HOMEOWNERS PROGRAM MANUAL 1 - UPC Insurance€¦ · United Property & Casualty Insurance Company CONNECTICUT HOMEOWNER PROGRAM MANUAL 1.0 NB Eff 10/17/2020 RB Eff 12/16/2020 1 Ed

United Property & Casualty Insurance Company

CONNECTICUT HOMEOWNER PROGRAM MANUAL 1.0

NB Eff 10/17/2020 RB Eff 12/16/2020 1 Ed. 06/2019

HOMEOWNERS PROGRAM MANUAL 1.0

CONNECTICUT

New Business Effective 10/17/2020

Renewal Business Effective 12/16/2020

UNITED INSURANCE MANAGEMENT, LLC

Managing General Agent



NB Eff 10/17/2020 RB Eff 12/16/2020 1 Ed. 06/2019

GENERAL RULES Rule 100. Coverage Limits 100‐1 Rule 105. Binding Authority 105‐1 Rule 110. Cancellation or Reduction in Limits of Liability or Coverage 110‐1 Rule 115. Construction Definitions 115‐1 Rule 120. Minimum Premium 120‐1 Rule 125. Multiple Company Insurance 125‐1 Rule 130. Policy Term 130‐1 Rule 135. Premium Calculation 135‐1 Rule 140. Previous Cancellations / Non-Renewals Error! Bookmark not defined. Rule 145. Protection Class Information 145‐1 Rule 150. Renewal 150‐1 Rule 155. Insurable Interests 155‐1 Rule 160. Transfer or Assignment 160‐1 Rule 165. Waiver of Premium 165‐1 Rule 175. Additional Fees and Credits 175‐1 Rule 180. Mandatory Endorsements 180‐1

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

PAYMENT PLANS & PAYMENT TYPE DISCOUNTS Rule 300. Payment Options Plans 300‐2 Rule 310. Payment Type Discount 310‐1

DISCOUNTS & SURCHARGES Rule 400. Maximum Discount 400‐1 Rule 410. Age of Home 410‐1 Rule 420. Age and Marital Status of Named Insured 420‐1 Rule 440. Companion Policy Discount 440‐1 Rule 450. Construction Permit Age 450‐1 Rule 460. Hip Roof Discount 460‐1 Rule 470. IBHS Discount 470‐1 Rule 502. Number of Stories and Elevation 502‐1 Rule 510. Roof Age 510‐1 Rule 520. Fire Protective Devices Discount 520‐1 Rule 530. Secured Community / Theft Discount 530‐1 Rule 540. Wind Opening Protection 540‐1 Rule 570. Number of Units 570‐1 Rule 595. Short-Term Rental / Home-Sharing 595‐1

ADDITIONAL COVERAGE OPTIONS Rule 600. Additional Amounts of Coverage A 600‐1 Rule 631. Home Systems Protection 631‐1 Rule 632. Service Line 632‐1 Rule 633. Inland Flood Coverage 633‐2 Rule 634. Home Cyber Protection Coverage 634‐3 Rule 641. Special Loss Settlement 641‐1 Rule 651. Golf Cart – Physical Damage Coverage 651‐1 Rule 660. Home Computer Coverage 660‐1 Rule 671. Identity Theft Expense & Resolution Services Coverage 671‐1



NB Eff 10/17/2020 RB Eff 12/16/2020 2 Ed. 06/2019

Rule 680. Inflation Guard 680‐1 Rule 690. Limited Fungi, Wet or Dry Rot or Bacteria Coverage 690‐1 Rule 700. Limited Water Back-Up and Sump Discharge or Overflow Coverage 700‐1 Rule 710. Ordinance or Law Coverage 710‐1 Rule 740. Other Structures – Increased Limits 740‐1 Rule 750. Other Structures Rented to Others - Residence Premises 750‐1 Rule 760. Outboard Motors & Watercraft 760‐1 Rule 770. Personal Injury Coverage 770‐1 Rule 780. Personal Property - Increased Special Limits of Liability 780‐1 Rule 790. Personal Property Replacement Cost Loss Settlement 790‐1 Rule 800. Personal Property Scheduled 800‐1 Rule 810. Premier Endorsement 810‐1 Rule 820. Premier Plus Endorsement 820‐1 Rule 830. Premier Condominium Endorsement 830‐1 Rule 840. Refrigerated Personal Property 840‐1 Rule 845. Escaped Liquid Fuel Property Remediation and Liability Coverages 845‐2 Rule 850. Unit-Owners Rental to Others 850‐1 Rule 860. Residence Held In Trust 860‐1 Rule 870. Special Coverage 870‐1 Rule 890. Loss Assessment Coverage 890‐1

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

PREMIUM COMPUTATION Rule 1010. Base Rates 1010‐1 Rule 1020. Policy Form Rating Factor 1020‐2 Rule 1030. Protection Class / Construction Factors 1030‐1 Rule 1040. Key Factors 1040‐1

HO 03 & HO 05 1040‐1 HO 04 1040‐2 HO 06 1040‐2

TERRITORY Rule 1100. Territory Definitions and Rate Factors 1100‐1

All Other Perils Territory Relativities 1100‐1 Territory Definitions 1100‐2 Distance to Coast ZIP Code Relativities 1100‐5

RULE INDEX



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐100‐1 Ed. 06/2019

GENERAL RULES

Rule 100. COVERAGE LIMITS

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

A – Dwelling* $200,000 to $1,500,000

Policy includes 10% of Cov C for

Building Additions & Alterations

$75,000 to $500,000

200

B – Other Structures 10% of Coverage A.

Additional limits available beyond 10%

n/a n/a 210, 740

C – Personal Property 40% to 75% of Coverage

A $10,000 to $100,000

$10,000 to $500,000*

220

D – Loss of Use 30% of Coverage A $2,000 include 50% of Coverage A

230

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

F – Medical Payments To Others

$1,000, $2,500 and $5,000 240

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



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐105‐1 Ed. 06/2019

Rule 105. BINDING AUTHORITY

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



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐110‐1 Ed. 06/2019

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

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

We may cancel a policy only for the reasons stated below by letting the insured know in writing of the date cancellation takes effect. This cancellation notice, stating the reasons for cancellation, may be delivered to the insured, or mailed to the insured’s mailing address shown in the Declarations by registered mail, certified mail or United States Postal Service certificate of mailing. The notice will state that excess premium (if not tendered) will be refunded on demand. When this policy has been in effect for less than 60 days and is not a renewal with us we may cancel by letting the insured know at least 30 days before the date cancellation takes effect, based on the underwriting guidelines.

A policy will not be declined, canceled, or nonrenewed solely due to an adverse credit score. The company reserves the right to issue a midterm cancellation after the first 60 days for the following reasons:

Substantial change in risk since the policy was issued

Material misrepresentation if fact, if known, would have caused the policy not to be issued

Non‐payment of premium Nonrenewals: We may elect not to renew a policy and may do so by letting the insured know in writing at least 60 days before the expiration date of the policy. The written notice, stating the reasons for nonrenewal, may be delivered to the insured, or mailed to the insured at the insured’s mailing address shown in the Declarations by registered mail, certified mail or United States Postal service certificate of mailing.

Loss history

Condition of dwelling

Termination of agency contract

Failure to comply with underwriting requirements

Claim frequency

Risks not meeting our eligibility guidelines Loss History: The company reserves the right to rerate, cancel or non‐renew based upon claim activity. Claims filed on covered property while such property was owned by anyone other than the current insured are not considered unless the damage has not been mitigated. Unacceptable claim history:

More than two non‐catastrophic paid claims over $499 associated with the insured or applicant within 5 years of the effective date. Catastrophic claims will not be counted toward eligibility and will not be used in rating.

More than one paid claim over $499 caused by liability, fire, smoke, theft, mysterious disappearance, credit card, identity theft, mold, vandalism, or mischief associated with the insured or applicant within 5 years of the effective date.

The $499 paid claim threshold will not apply if the insured or applicant filed more than one claim resulting from a non‐catastrophic event in the three policy years immediately preceding that resulted in any loss coverage payment by an insurer.

Applies to all forms.



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐115‐1 Ed. 06/2019

Rule 115. CONSTRUCTION DEFINITIONS

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

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

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

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

Note: Mixed (Brick/Block and Frame) – A combination of both brick/block and frame construction shall

be classified as Frame when the exterior walls of frame construction (including gables) exceed 30% of

total exterior wall area; otherwise classify as Brick/Block.




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐120‐1 Ed. 06/2019

Rule 120. MINIMUM PREMIUM

The following shows the minimum premium we will accept for each form.

Form Minimum Premium

HO 03 and HO 05 $550

HO 06 $275

HO 04 $160



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐125‐1 Ed. 06/2019

Rule 125. MULTIPLE COMPANY INSURANCE

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



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐130‐1 Ed. 06/2019

Rule 130. POLICY TERM

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



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐135‐1 Ed. 06/2019

Rule 135. PREMIUM CALCULATION

Premium is calculated separately for Wind/Hail and All Other Perils. Many policy variables and the rate classifications within each are used in developing the final premium. In general, the factor for each rate class is multiplied times the factor for the rate class of the preceding variable. Applies to all forms.



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐145‐1 Ed. 06/2019

Rule 145. PROTECTION CLASS INFORMATION

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

The year built is three years or less.

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

The subdivision contains at least 10 houses.

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

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

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



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐150‐1 Ed. 06/2019

Rule 150. RENEWAL

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



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐155‐1 Ed. 06/2019

Rule 155. INSURABLE INTERESTS

For eligible Additional Insureds, use form HO 04 41. For Additional Interests, use form HO 04 10. Other rules related to insurable interests:

Trusts, trustees and related ownership structures, please refer to Rule 860. For Designated Third Parties, use form UPC 631 CT – Important Notice To Senior Citizens Third Party Notification. Applies to all forms.



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐160‐1 Ed. 06/2019

Rule 160. TRANSFER OR ASSIGNMENT

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



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐165‐1 Ed. 06/2019

Rule 165. WAIVER OF PREMIUM

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



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐175‐1 Ed. 06/2019

Rule 175. ADDITIONAL FEES AND CREDITS

NSF FEE

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

CT Healthy Homes Fund Surcharge

Per Connecticut requirements, a $12 surcharge will be applied per multi‐peril homeowner’s policy, per term (excluding tenant policies) until December 31, 2029.

Note: The surcharge is fully earned and will not be refunded if the policy is cancelled midterm.



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐180‐1 Ed. 06/2019

Rule 180. MANDATORY ENDORSEMENTS

The following mandatory endorsements are applied to all policies, unless otherwise indicated:

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

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

results in important coverage limitations.

Fraud Statement (IL N 001)

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

(IL P 001)

Policy Jacket (UPC 207 CT)

Farm & Agricultural Activities Exclusion (UPC 602)

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

farm animals.

Special Provisions – CT (UPC 01 06)

Insurance Score Notice (UPC 430 CT)

Notice provides information on what does and does not impact an insurance score as well as what the

policyholder should do if there if they believe the report is incorrect.

Consumer Disclosure Notice (UPC 431)

Notices provides information on the use of reports ordered as well as contact information for requesting

additional information

Loss Settlement Endorsement (UPC 663)

Rating Information for Property Remediation for Escaped Liquid Fuel and Limited Lead and Escaped

Liquid Fuel Liability Coverages (HO P 005)

Limited Fungi, Wet or Dry Rot or Bacteria ‐ HO3 & HO5 (UPC 618)



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐200‐1 Ed. 06/2019

LIMITS AND DEDUCTIBLES

Rule 200. COVERAGE A – DWELLING

Coverage A is provided by all forms except HO 04, and these values are rounded to the nearest thousand

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



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐210‐1 Ed. 06/2019

Rule 210. COVERAGE B – OTHER STRUCTURES

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

structures may not be rented to others or used by non‐related persons for residence purposes unless

the Other Structures Rented to Others on Residence Premises endorsement is added to the policy (see

Rule 750).

Base rates include other structures coverage equal to 10% of Coverage A. The factor applies to

Wind/Hail and All Other Perils premium.

% of Coverage A All Perils Factor

10% 1.000

Applies to forms HO 03 and HO 05.



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐220‐1 Ed. 06/2019

Rule 220. COVERAGE C – PERSONAL PROPERTY

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

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

75% of Coverage A.

Factor

% of Coverage A All Other Perils Wind/Hail

40% 0.96 0.94

45% 0.98 0.97

50% 1.00 1.00

55% 1.02 1.03

60% 1.04 1.06

65% 1.07 1.09

70% 1.10 1.12

75% 1.13 1.15

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

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



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐230‐1 Ed. 06/2019

Rule 230. COVERAGE D – LOSS OF USE

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

limits are available:

% of Coverage A All Perils Factor

10% 0.930

20% 0.940

30% 1.000

For HO 04, base rates include loss of use coverage equal to $2,000. No other limits are available.

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

available:

% of Coverage C All Perils Factor

10% 0.930

20% 0.940

50% 1.000

The factor applies to Wind/Hail and All Other Perils premium.



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐240‐1 Ed. 06/2019

Rule 240. SECTION II LIMITS

COVERAGE E: Personal Liability Coverage

Liability coverage may be added for the following premium, according to the number of families in the

dwelling:

Liability Limit Premium

1 Family 2 Families 3 Families 4 Families

$100,000 $15 $35 $55 $75

$300,000 $25 $50 $75 $100

$500,000 $35 $65 $95 $125

COVERAGE F: Medical Payments Coverage

Medical Payments coverage may be added for the following premium, according to the number of

families in the dwelling:

Med Pay Limit Premium

1 Family 2 Families 3 Families 4 Families

$1,000 $5 $12 $18 $24

$2,500 $8 $14 $20 $26

$5,000 $10 $16 $22 $28




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐250‐1 Ed. 06/2019

Rule 250. DEDUCTIBLES

Changes in deductibles may only be made at the time of the renewal. The minimum All Other Perils deductible and Wind/Hail deductibles are $1,000 for HO 03 and HO 05. If a wind/hail deductible is added, it cannot be less than the other perils deductible. HO 03, HO 05 and HO 06 Deductibles

Coverage A Deductible Factor – AOP*

$1,000 $2,500 $7,500 1% 2% 3% 5%

$51,000 – $100, 000 0.830 0.680 0.650 0.870 0.780 0.700 0.570 $101,000 ‐ $150,000 0.890 0.750 0.700 0.870 0.750 0.670 0.540 $151,000 ‐ $200,000 0.940 0.810 0.700 0.870 0.730 0.630 0.520 $201,000 ‐ $250,000 0.980 0.850 0.750 0.870 0.730 0.620 0.520 $251,000 ‐ $300,000 1.000 0.890 0.770 0.870 0.730 0.620 0.520 $301,000 ‐ $500,000 1.080 0.950 0.800 0.870 0.730 0.620 0.520 $501,000 ‐ $999,000 1.080 1.000 0.920 0.870 0.730 0.620 0.520 $1,000,000 ‐ above 1.080 1.000 0.920 0.870 0.730 0.620 0.520

Coverage A Deductible Factor – Wind/Hail**

$1,000 $2,500 $7,500 1% 2% 3% 5%

$51,000 – $100, 000 0.837 0.738 0.710 0.857 0.800 0.753 0.674 $101,000 ‐ $150,000 0.870 0.800 0.710 0.857 0.800 0.753 0.674 $151,000 ‐ $200,000 0.887 0.832 0.710 0.857 0.800 0.753 0.674 $201,000 ‐ $250,000 0.896 0.850 0.770 0.857 0.800 0.753 0.674 $251,000 ‐ $300,000 0.902 0.863 0.770 0.857 0.800 0.753 0.674 $301,000 ‐ $500,000 0.912 0.882 0.820 0.857 0.800 0.753 0.674 $501,000 ‐ $999,000 0.923 0.905 0.880 0.857 0.800 0.753 0.674 $1,000,000 ‐ above 0.923 0.905 0.880 0.857 0.800 0.753 0.674

*Use Endorsement UPC 637 – All Other Perils Percentage Deductible when a percentage deductible is selected for All Other Perils **Use Endorsement UPC 03 12 – Windstorm or Hail Percentage Deductible when a percentage deductible is selected for Wind/Hail. HO 04 Deductibles

Deductible All Other Perils Wind/Hail

$500 1.000 1.950

$1,000 0.850 0.850

$2,500 0.780 0.850



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐300‐2 Ed. 06/2019

PAYMENT PLANS & PAYMENT TYPE DISCOUNTS

Rule 300. PAYMENT OPTIONS PLANS

Applies to new and renewal business.

Payment Type Down Payment % Installment % Installment Due

EFT 25% 8.3% Every 30 days

Any 55% 45% On 180th day

Any 31% 23% On 90th, 180th, 270th day

Any 100% NA NA

Outside premium financing is unacceptable.




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐310‐1 Ed. 06/2019

Rule 310. PAYMENT TYPE DISCOUNT

Applies to New and Renewal Business All Perils premium.

Payment Plan

Payment Type Paid in Full Installment

EFT 0.861 0.967

Check 0.861 0.967

Credit Card 0.890 1.000

Mortgage Billed 0.909

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

is only applicable if all payments are made via EFT.




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐400‐1 Ed. 06/2019

DISCOUNTS & SURCHARGES

Rule 400. MAXIMUM DISCOUNT

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

1. Rule 410. Age of Home 2. Rule 420. Age and Marital Status of Named Insured 3. Rule 440. Companion Policy Discount 4. Rule 450. Construction Permit Age 5. Rule 460. Hip Roof Discount 6. Rule 470. IBHS Discount 7. Rule 510. Roof Age 8. Rule 520. Protective Device Discount 9. Rule 530. Secured Community / Theft Discount 10. Rule 540. Wind Opening Protection Discount 11. Rules 950 & 960. Tier




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐410‐1 Ed. 06/2019

Rule 410. AGE OF HOME

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

Home Age

HO 03, HO 05 & HO 06

AOP Factor Wind / Hail Factor

0 0.465 0.600

1 0.483 0.620

2 0.512 0.640

3 0.565 0.660

4 0.609 0.680

5 0.661 0.700

6 0.719 0.720

7 0.785 0.740

8 0.823 0.760

9 0.861 0.780

10 0.880 0.800

11 0.904 0.850

12 0.929 0.900

13 0.953 0.950

14 0.976 1.000

15 1.000 1.000

16 1.028 1.000

17 1.057 1.000

18 1.085 1.000

19 1.114 1.000

20 1.171 1.000

21 1.200 1.000

22 1.248 1.000

23 1.296 1.000

24 1.345 1.000

25 1.345 1.000

26 1.345 1.000

27 1.345 1.000

28 1.345 1.000

29 1.345 1.000

30 1.345 1.000

31 1.335 1.000

32 1.326 1.000

33 1.316 1.000

34 1.307 1.000

35 1.296 1.000

36 1.287 1.000

37 1.277 1.000



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐410‐2 Ed. 06/2019

38 1.268 1.000

39 1.258 1.000

40 1.248 1.000

41 1.248 1.000

42 1.248 1.000

43 1.248 1.000

44 1.248 1.000

45 1.258 1.000

46 1.268 1.000

47 1.277 1.000

48 1.287 1.000

49 1.296 1.000

50 1.296 1.000

51 1.296 1.000

52 1.296 1.000

53 1.296 1.000

54 1.296 1.000

55 1.296 1.000

56 1.296 1.000

57 1.296 1.000

58 1.296 1.000

59 1.296 1.000

60 1.296 1.000

61 1.296 1.000

62 1.296 1.000

63 1.296 1.000

64 1.296 1.000

65 1.296 1.000

66 1.296 1.000

67 1.296 1.000

68 1.296 1.000

69 1.296 1.000

70 1.296 1.000

71 1.296 1.000

72 1.296 1.000

73 1.296 1.000

74 1.296 1.000

75+ 1.296 1.000

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



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐420‐1 Ed. 06/2019

Rule 420. AGE AND MARITAL STATUS OF NAMED INSURED

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

Age of Insured Marital Status AOP

00 – 26 Married 1.157

27 – 31 Married 1.120

32 – 45 Married 0.988

46 – 51 Married 0.913

52 – 57 Married 0.884

58 – 66 Married 0.837

67 – 70 Married 0.809

71 – 76 Married 0.866

77 + Married 0.941

00 – 26 Single 1.302

27 – 31 Single 1.259

32 – 45 Single 1.111

46 – 51 Single 1.027

52 – 57 Single 0.995

58 – 66 Single 0.942

67 – 70 Single 0.910

71 – 76 Single 0.974

77 + Single 1.058




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐440‐1 Ed. 06/2019

Rule 440. COMPANION POLICY DISCOUNT

Partner Auto Auto Flood Umbrella AOP Factor Wind / Hail Factor

No No No No 1.000 1.000

No No No Yes 0.900 0.950

No No Yes No 0.970 0.970

No No Yes Yes 0.892 0.933

No Yes No No 0.950 0.950

No Yes No Yes 0.877 0.917

No Yes Yes No 0.933 0.933

No Yes Yes Yes 0.863 0.900

Yes No No No 0.900 0.900

Yes No No Yes 0.877 0.890

Yes No Yes No 0.890 0.890

Yes No Yes Yes 0.863 0.890

Yes ‐ Preferred Partner No No No 0.850 0.850

Yes ‐ Preferred Partner No No Yes 0.827 0.840

Yes ‐ Preferred Partner No Yes No 0.840 0.840

Yes ‐ Preferred Partner No Yes Yes 0.813 0.840

The rates in the table above apply when:

The partner auto rate will apply when the company name is listed in the rating system.

The garaging address for the auto policy matches the covered property address.

The auto and umbrella policy must list a named insured that matches a named insured on the Homeowner policy.

The same agency must have written the companion policy as the Homeowner policy.

The flood policy must be written with UPC or be a grandfathered policy written by the same agent that holds the UPC home policy for the discount to apply.

A copy of a current declarations or application page for the applicable companion policy must be retained by the agent.

The agent must notify UPC when the insured no longer holds an active companion policy with the

agency.

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

These documents will be subject to review during an audit.




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐450‐1 Ed. 06/2019

Rule 450. CONSTRUCTION PERMIT AGE

The rates in this table will apply to the All Other Perils premium when a permit is provided by the local municipality for the renovation of a home and the value of the permit is equal to or above $1,000. These rates will not apply if there is no value listed on the permit. Public data will be referenced where available. A copy of the permit can be submitted to Underwriting if municipality data is not available online. Renovations must be completed prior to the effective date of the policy term for the discount to apply.

Permit Age (AOP Factor)

Home Age 0‐5 6‐10 11+

0‐11 1.000 1.000 1.000

12 0.990 1.000 1.000

13 0.970 1.000 1.000

14‐25 0.950 0.980 1.000

26‐40 0.920 0.960 1.000

41+ 0.900 0.940 1.000




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐460‐1 Ed. 06/2019

Rule 460. HIP ROOF DISCOUNT

A 15% discount applies to the Wind/Hail premium if the home is constructed with a hip roof covering the entire structure. A hip roof is one that slopes down to meet all walls (like a pyramid). This design has superior ability to withstand high winds and will result in a premium credit. However, other factors can negate the value of this design. The discount is not applicable if the roof has skylights or overhangs that exceed 18”. A 5% discount applies if the home is constructed with a hip roof coverage more than 75% of the entire structure.

A hip roof has sloping ends and sloping sides down to the roof eaves line. A hip roof with decorative gables is eligible for this discount if the gables are no more than 10% of the entire roof structure.

Roof shape determines the aerodynamic pressure loads experienced by the roof due to wind flow and wind direction. Gable and hip shapes and their combinations comprise more than 80% of the residential buildings.

Roof Type Description Figure

GABLE ROOF A roof sloping downward in two parts from a central ridge, so as to form a gable at each end.

HIP ROOF A roof having sloping ends and sides meeting at an inclined projecting angle.




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐470‐1 Ed. 06/2019

Rule 470. IBHS DISCOUNT

The following discounts apply to the Wind/Hail premium when the home is certified by the International

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

Resistance Designations.

Bronze = 5% o

Silver = 10%

Gold = 15%

Evidence and supporting documentation for these discounts must be retained in agent’s file. Supporting

FORTIFIED home hurricane designation documentation of Bronze, Silver, or Gold will be subject to

review during an audit.




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐502‐1 Ed. 06/2019

Rule 502. NUMBER OF STORIES AND ELEVATION

This measures the number of stories above the property’s foundation including the number of feet

elevated by piles, pylons, blocks, piers, or stilts. No part of the home can be over water. The number of

stories and elevation does not include the basement (including a walkout basement) level, if any, of a

dwelling.

Homes elevated four feet or more and built prior to 2007 must have a minimum coverage A of

$300,000.

Year Built Minimum Cov A Feet Elevated Number of Stories AOP Wind/Hail

<=2006 200,000 0‐3 1 1.000 1.000

<=2006 200,000 0‐3 1.5 1.020 1.020

<=2006 200,000 0‐3 2 1.050 1.050

<=2006 200,000 0‐3 2.5 1.060 1.060

<=2006 200,000 0‐3 3+ 1.070 1.080

<=2006 200,000 0‐3 Bi‐Level 1.050 1.050

<=2006 200,000 0‐3 Tri‐Level 1.070 1.080

<=2006 300,000 4‐9 1 1.000 1.015

<=2006 300,000 4‐9 1.5 1.020 1.035

<=2006 300,000 4‐9 2 1.050 1.066

<=2006 300,000 4‐9 2.5 1.060 1.076

<=2006 300,000 4‐9 3+ 1.070 1.096

<=2006 300,000 4‐9 Bi‐Level 1.050 1.066

<=2006 300,000 4‐9 Tri‐Level 1.070 1.096

<=2006 300,000 10+ 1 1.000 1.050

<=2006 300,000 10+ 1.5 1.020 1.071

<=2006 300,000 10+ 2 1.050 1.103

<=2006 300,000 10+ 2.5 1.060 1.113

<=2006 300,000 10+ 3+ 1.070 1.134

<=2006 300,000 10+ Bi‐Level 1.050 1.103

<=2006 300,000 10+ Tri‐Level 1.070 1.134

>=2007 200,000 Any 1 1.000 1.000

>=2007 200,000 Any 1.5 1.020 1.000

>=2007 200,000 Any 2 1.050 1.000

>=2007 200,000 Any 2.5 1.060 1.000

>=2007 200,000 Any 3+ 1.070 1.000

>=2007 200,000 Any Bi‐Level 1.050 1.000

>=2007 200,000 Any Tri‐Level 1.070 1.000



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐510‐1 Ed. 06/2019

Rule 510. ROOF AGE

A discount from the following table applies to All Perils premiums based on the age of the roof.

Home Age Roof Age Wind/Hail

0‐9 0‐5 1.000

10 0‐5 0.960

11 0‐5 0.930

12 0‐5 0.900

13 0‐5 0.870

14 0‐5 0.840

15 0‐5 0.820

16+ 0‐5 0.800

0‐9 6‐10 1.000

10 6‐10 1.000

11 6‐10 1.000

12 6‐10 1.000

13 6‐10 1.000

14 6‐10 0.970

15 6‐10 0.950

16+ 6‐10 0.920

Any 11+ 1.000

Supporting documentation must be submitted to Underwriting if the defaulted roof age is disputed.




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐520‐1 Ed. 06/2019

Rule 520. FIRE PROTECTIVE DEVICES DISCOUNT

Fire Alarm

Central‐ A centrally controlled fire detector with an alarm and auto‐response call function that will call

911 and/ or the fire department.

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

neighbors but does not have any auto‐response. A call to the 911 or the fire department would

be completed manually.

Sprinkler

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

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

Fire Alarm Sprinkler AOP Factor

Central Full 0.874

Central Partial 0.950

Central None 0.950

Local Full 0.920

Local Partial 1.000

Local None 1.000

No Full 0.920

No Partial 1.000

No None 1.000

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

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



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐530‐1 Ed. 06/2019

Rule 530. SECURED COMMUNITY / THEFT DISCOUNT

Secured ‐ a community that you must manually enter a code or swipe a card to enter the premises or

subdivision.

Central ‐ A centrally controlled burglar detector has an alarm and auto‐response call function that calls 911 and/or the police department. Local ‐ A locally controlled burglar detector has an audible alarm that alerts the homeowners and neighbors but does not have any auto‐response. A call to the 911 or the police department would be completed manually. Evidence and supporting documentation for all secured community / theft discounts must be retained in agent’s file. These documents will be subject to review during an audit. Applies to all forms.

Secured Community Theft Alarm AOP Factor

No Central 0.990

No Local 1.000

No None 1.000

Secured Central 0.970

Secured Local 0.990

Secured None 1.000



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐540‐1 Ed. 06/2019

Rule 540. WIND OPENING PROTECTION

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

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

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

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



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐570‐1 Ed. 06/2019

Rule 570. NUMBER OF UNITS

One to four family dwellings can be written in this program. Apply the appropriate factor from the table

below:

Number of Units

AOP Factor Wind/Hail Factor

1 1.00 1.00

2 1.00 1.00

3 1.60 1.60

4 1.60 1.60




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐595‐1 Ed. 06/2019

Rule 595. SHORT‐TERM RENTAL / HOME‐SHARING

Limited short‐term rental and/or home‐sharing exposure is permitted in the Homeowner’s program,

subject to a surcharge. Refer to the Underwriting guidelines for eligibility.

Short‐Term/Home‐Sharing: Entire Residence

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

sharing host activities or rental.

Home‐Sharing: Partial Residence

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

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

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

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

apply. Apply the appropriate rating factor to the All Other Perils premium.

Home‐Sharing Type

Entire Residence Partial/Shared Residence

1.20 1.10

Note: If the rental activity occurs exclusively in an other structure on the residence premises, see Rule

750.

Use UPC 659 – Homeowners Short‐Term Rental to Others

Applies to forms HO 03 and HO 05



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐600‐1 Ed. 06/2019

ADDITIONAL COVERAGE OPTIONS

Rule 600. ADDITIONAL AMOUNTS OF COVERAGE A

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

Additional Amount Options AOP Factor Wind/Hail Factor

25% 1.050 1.050

50% 1.100 1.100

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




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐631‐1 Ed. 06/2019

Rule 631. HOME SYSTEMS PROTECTION

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

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

been excluded under the Homeowners policy.

Limit Premium

$50,000 $49

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

Does not apply to HO 04.



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐632‐1 Ed. 06/2019

Rule 632. SERVICE LINE

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

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

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

coverage is subject to a $500 deductible.

Limit Premium

$10,000 $34

Use Endorsement HO SLC – Service Line Coverage




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐633‐2 Ed. 06/2019

Rule 633. INLAND FLOOD COVERAGE

Eligibility: 1. 1 to 4 Family Dwellings are eligible. Mobile homes are ineligible. 2. Policyholders with residence premises located in or within 25 meters of a Special Flood Hazard

Areas (SFHA), the FEMA‐identified high‐risk flood areas where flood insurance is mandatory, are ineligible for coverage. The SFHAs are shown on a Flood Hazard Boundary Map or a Flood Insurance Rate Map as Zone A, AO, A1‐A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1‐A30, V1‐V30, VE, or V.

3. Locations with a SLOSH (Sea, Lake and Overland Surges from Hurricanes) score greater than 0 are ineligible. SLOSH is determined by the National Weather Service.

4. Properties that have had two or more flood loss in the prior 5 years are ineligible for the inland

flood coverage.

This endorsement provides payment for loss or damages resulting from flooding. The following limits are available:

Premium By Risk Score

Occurrence Limit

Occurrence Deductible

1‐2 3‐4 5‐6 7 8 9 10

$10,000 $1,000 $33 $ 55 $107 $258 $484 $ 683 $872

$25,000* $1,000 $47 $ 90 $194 $497 $950 $1,349 $1,729

$50,000* $1,000 $61 $127 $285 $747 $1,438 $2,046 $2,625

* For occurrence limits greater than $15,000, Basement Personal Property and Loss of Use are sub‐limited to $15,000. Coverage for “Fungi”, Wet or Dry Rot, or Bacteria is sub‐limited to $10,000 in the aggregate. An annual aggregate limit of 2 times the Occurrence Limit applies. Use Endorsement HO IFC ‐ Inland Flood Coverage




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐634‐3 Ed. 06/2019

Rule 634. HOME CYBER PROTECTION COVERAGE

1. Description of Coverage

Home Cyber Protection is added to homeowners or renters policies and covers the individuals and

family members insured by those policies.

Home Cyber Protection coverage is composed of three component pieces:

Cyber Attack ‐ Pays for the costs of restoring the data and systems of Computing Devices and Connected Home Devices following an unauthorized use or access, or the perpetration of a malware attack.

Cyber Extortion ‐ Provides professional assistance from a subject matter expert and payments with prior approval in response to a demand for money or other consideration coupled with a threat to damage, disable, deny access or disseminate content from your device, system or data or an offer to restore access or functionality in connection with an attack on your device, system or data that has already occurred.

Online Fraud ‐ Pays for the amount fraudulently taken from an insured following: (1) An identity theft; (2) The unauthorized use of a bank card or credit card; (3) The forgery or alteration of any check or negotiable instrument; (4) Acceptance in good faith of counterfeit currency; or (5) An intentional and criminal deception to induce the insured to part voluntarily with something of value. The online fraud must be wholly or partially perpetrated through a computing device or connected home device.

2. Eligibility

Any risk eligible for Homeowners insurance is eligible for Home Cyber Protection coverage.

3. Coverage Limits

The Home Cyber Protection coverage limit is $25,000.

4. Deductible

The Home Cyber Protection coverage deductible is $500.

5. Premium Determination

The Home Cyber Protection coverage rate per policy is $33.

Use Endorsement HO HCP - Home Cyber Protection




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐641‐1 Ed. 06/2019

Rule 641. SPECIAL LOSS SETTLEMENT

The policy provides loss settlement on a replacement cost basis if the Coverage A limit of liability represents at least 80% of replacement value. The required percentage amount may be modified to 50%, 60% or 70% of replacement value without affecting the loss settlement provisions. If this option is selected, the Coverage A limit of liability representing 50%, 60% or 70% of replacement value is to be shown in the policy declarations.

To develop the limit factor for the Coverage A shown in the policy declarations:

Multiply the selected Coverage A limit of liability by the appropriate factor from the table below and round to the nearest $1,000.

% of RCE AOP Wind/Hail

50% 1.60 1.60

60% 1.33 1.33

70% 1.14 1.14

Determine the factor using the Coverage A limit curve for the amount of insurance computed above. Multiply the factor determined above by the appropriate factor from the table noted below:

% of RCE AOP Wind/Hail

50% 0.91 0.91

60% 0.94 0.94

70% 0.97 0.97

Endorsement HO 04 56



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐651‐1 Ed. 06/2019

Rule 651. GOLF CART – PHYSICAL DAMAGE COVERAGE

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

used to carry persons for a charge,

used for business purposes,

rented to others,

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

1 Golf Cart 2 Golf Carts

Option 1 $75 $120

Use endorsement HO 05 28 – Owned Motorized Golf Cart Physical Loss Coverage




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐660‐1 Ed. 06/2019

Rule 660. HOME COMPUTER COVERAGE

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

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

Additional premium: $6 for each $1,000

Use Endorsement HO 04 14 – Special Computer Coverage

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



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐671‐1 Ed. 06/2019

Rule 671. IDENTITY THEFT EXPENSE & RESOLUTION SERVICES COVERAGE

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

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

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

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

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

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

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

legal counsel;

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

the lender received incorrect credit information;

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

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

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

consumer credit report;

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

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

identity fraud.

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

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

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

security card, etc.).

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

Premium per policy: $24.00

No deductible applies to this coverage.

Use endorsement UPC 06 614 – Identity Theft Expense and Resolution Services Coverage.




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐680‐1 Ed. 06/2019

Rule 680. INFLATION GUARD

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

Amount of Annual Increase AOP Factor Wind/Hail Factor

2% 1.000 1.000

4% 1.005 1.005

6% 1.015 1.015

8% 1.020 1.020

Use Endorsement HO 04 46 – Inflation Guard




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐690‐1 Ed. 06/2019

Rule 690. LIMITED FUNGI, WET OR DRY ROT OR BACTERIA COVERAGE

This is a mandatory endorsement that limits Section I coverage for fungi, wet or dry rot or bacteria

coverage to $10,000. Higher limits are NOT available.

HO 03 and HO 05

Use Endorsement UPC 618 – Limited Fungi, Wet or Dry Rot or Bacteria Coverage

HO 06

Use Endorsement UPC 624 – Limited Fungi, Wet or Dry Rot or Bacteria Coverage

Does not apply to HO 04.



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐700‐1 Ed. 06/2019

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

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

sewers or drains or which overflows from the pump.

The endorsement may be added for the following limits:

Basement Limit Premium

None $5,000 $20.00

None $10,000 $30.00

None $25,000 $40.00

Unfinished $5,000 $30.00



Partially Finished $5,000 $40.00



Finished $5,000 $50.00

Finished $10,000 $75.00

Finished $25,000 $100.00

Use endorsement UPC 04 95 – Limited Water Back‐Up and Sump Discharge or Overflow Coverage




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐710‐1 Ed. 06/2019

Rule 710. ORDINANCE OR LAW COVERAGE

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

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

increased to 25% or 50%.

The policy automatically provides up to 10% of the Coverage A limit of liability to pay for the increased

costs necessary to comply with the enforcement of an ordinance or law.

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

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

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

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

To develop the Premium, multiply the All Other Perils and Wind/Hail Premiums by the appropriate

factor selected from the following table:

Percentage Of Coverage A

Increase In Amount Total Amount Factors

0% 10% 1.00

15% 25% 1.080

40% 50% 1.170

Use Endorsement HO 04 77 – Ordinance or Law Increased Amount of Coverage




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐740‐1 Ed. 06/2019

Rule 740. OTHER STRUCTURES – INCREASED LIMITS

When insurance is written on a specific structure on the residence premises for limits greater than the maximum Coverage B limit available in Rule 210 (Coverage B – Other Structures), the rate per $1,000 of insurance mentioned below shall apply separately to each structure. Rate per $1,000 (of additional limit over and above Coverage B limit of 10%): $4.00 Use Endorsement HO 04 48 – Other Structures – Increased Limits




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐750‐1 Ed. 06/2019

Rule 750. OTHER STRUCTURES RENTED TO OTHERS ‐ RESIDENCE PREMISES

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

to others.

Section I Coverage

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

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

Coverage B selections made.

When insurance is written on a specific structure on the residence premises rented to others, the rate per $1,000 of insurance shown below will apply separately to each structure. A Coverage B limit of 10% of Coverage A must first be selected in order to purchase the following

increased limits.

Rate per $1,000 of coverage: $6.00 The maximum aggregate limit for this coverage is 25% of coverage A.

Section II Coverage

Coverage E and F options are shown in the following table:

Coverage E $100,000

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

Premium $30 $35 $42

Coverage E $300,000

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

Premium $48 $52 $60

Coverage E $500,000

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

Premium $58 $63 $70

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




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐760‐1 Ed. 06/2019

Rule 760. OUTBOARD MOTORS & WATERCRAFT

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

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

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

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

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

when not owned by or rented to an insured.

The policy may be endorsed to provide coverage for the following types of craft:

Watercraft, up to 26 feet in length powered by outboard engines or motors exceeding 25

horsepower; or powered by inboard or inboard‐outdrive engines or motors, including those

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

are regularly used together with any single watercraft owned by insured. Sailboats 26 feet or

more in overall length, with or without auxiliary power.

Coverage must be written to expiration of the policy.

The watercraft must be located in the same state of the insured residence.

No DUI within the prior three years.

Outboard, Inboard, or Inboard‐Outdrive Engines or Motors:

Horsepower

Length

Up to 15 Feet

Rate

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

Up to 50* $36 $48 $52

51 to 100 $61 $81 $88

101 to 150 $86 $114 $125

151 to 200 Not Available

Over 200 Not Available



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐760‐1 Ed. 06/2019

Horsepower

Length – Over 15 to 26 Feet

Rate

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

Up to 50* $56 $74 $81

51 to 100 $81 $107 $117

101 to 150 $106 $140 $154

151 to 200 $131 $173 $190

Over 200 Not Available

Sailboats With or Without Auxiliary Power:

Overall Length/Feet

Rate

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

26 to 40 feet* $36 $48 $52

Over 40 feet Not Available

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

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

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

Outboard Motors and Watercraft

1. Outboard, Inboard or Inboard Outboard engines or Motors

a) Up to 15 feet:

Up to 50 hp. $3 $6 $11

51 to 100 hp. $6 $12 $21

101 to 150 hp. $8 $16 $28

151 to 200 hp. Not Available

Over 200 hp. Not Available

b) Over 15to 26 feet:

Up to 50 hp. $4 $8 $14

51 to 100 hp. $6 $12 $21

101 to 150 hp. $8 $16 $28

151 to 200 hp. $12 $24 $42

Over 200 hp. Not Available

2. Sailboats, with or without auxiliary power

26 to 40 feet $3 $6 $11

Over 40 feet Not Available

Use endorsement HO 24 75 – Watercraft




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐770‐1 Ed. 06/2019

Rule 770. PERSONAL INJURY COVERAGE

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

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

wrongful entry.

Personal Injury Coverage Limit Premium

$100,000 $15

$300,000 $20

$500,000 $22

Use Endorsement HO 24 79 – Personal Injury Coverage (Aggregate Limit of Liability)

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




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐780‐1 Ed. 06/2019

Rule 780. PERSONAL PROPERTY ‐ INCREASED SPECIAL LIMITS OF LIABILITY

The Special Limits of Liability in the policy form for the categories of property noted in the following table may be increased to the maximum limits shown:

Personal Property Limit

In Form Maximum

Limit Allowed Limit Per Item

Rate / Hundred*

1. Jewelry, Watches and Furs $1,500 $20,500 $5,000 $1.60

2. Silverware, Goldware and Pewterware

$2,500 $10,500 $3,000 $0.60

* Increase must be in increments of $100. A central station burglar alarm must be active on a property that includes an aggregate limit over $10,000 for this endorsement. Use Endorsement HO 04 65 – Coverage C Increased Special Limits Of Liability.

Personal Property – Increased Special Limits Of Liability coverage may only be added to policies that

have been endorsed with Personal Property Replacement Cost (Rule 790).

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

the nearest dollar.




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐790‐1 Ed. 06/2019

Rule 790. PERSONAL PROPERTY REPLACEMENT COST LOSS SETTLEMENT

Provides replacement cost loss settlement on Coverage C. This coverage is only available for owner occupied dwellings.

Form All Perils

HO 03, HO 05 & HO 06 1.10

HO 04 1.25

Use Endorsement HO 04 90 – Personal Property Replacement Cost Loss Settlement



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐800‐1 Ed. 06/2019

Rule 800. PERSONAL PROPERTY SCHEDULED

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

Company.

Use HO 04 61 – Scheduled Personal Property Endorsement for standard loss settlement or agreed value

loss settlement for fine arts. Endorsement HO 04 61 provides for standard loss settlement for all classes

of property except Fine Arts; and agreed value loss settlement for Fine Arts.

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

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

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

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

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

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

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

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

Apply the applicable rates from the table below:

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

$1.00 $0.50

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

$1.50 $3.00

Jewelry In vaults or safety deposit boxes

$1.25 $0.80

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

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

dollar. Scheduled Personal Property coverage may only be added to policies that have been endorsed

with HO 04 90 Personal Property Replacement Cost.




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐810‐1 Ed. 06/2019

Rule 810. PREMIER ENDORSEMENT

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

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

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

Coverages contained in this endorsement are:

Personal Property Replacement Cost Coverage Evacuation Expense Coverage, reimbursing expenses for up to 7 days while mandatory

evacuation due to a covered peril is ordered by a civil authority Power Failure Coverage, reimbursing expenses for up to 7 days when a power outage

resulting from a covered peril causes the residence premises to be uninhabitable. Coverage does not start until 48 hours after the beginning of the power interruption.

Personal Injury Liability limit matching the Liability limit Loss Assessment increased from $1,000 to $2,500 Lock Replacement when keys are lost or stolen – up to $250 per occurrence (no deductible

applies) Fire department service charge, increased from $500 to $750 $500 Reward for an insured who provides information leading to a theft conviction stemming

from a covered loss Tree Debris Removal increased from $1,000 ($500/tree) to $2,000 ($500/tree) Home Systems Protection coverage up to $50,000Additional coverage amounts:

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

Silverware, Goldware & Pewterware increased from $2,500 to $3,000, for loss by theft Theft of Jewelry, Watches & Furs increased from $1,500 to $3,000, subject to a $1,500

maximum per article

To develop the premium for this option:

1. Multiply the All Other Perils premium by a factor of 1.11.

2. Multiply the Wind premiums by a factor of 1.11.

3. To the total policy premium, add a fixed premium amount of $66.

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

individual coverages: Personal Property Replacement Cost, Personal Injury, Loss Assessment, Home

System Protection, or Personal Property ‐ Increased Special Limits of Liability.

Use Endorsement UPC 611 CT – Premier Endorsement



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐820‐1 Ed. 06/2019

Rule 820. PREMIER PLUS ENDORSEMENT

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

Coverages contained in this endorsement are: 50% Additional Coverage A Increased Coverage C to 70% of Coverage A Personal Property Replacement Cost Coverage Evacuation Expense Coverage, reimbursing expenses for up to 7 days while mandatory

evacuation due to a covered peril is ordered by a civil authority Power Failure Coverage, reimbursing expenses for up to 7 days when a power outage

resulting from a covered peril causes the residence premises to be uninhabitable. Coverage does not start until 48 hours after the beginning of the power interruption.

Personal Injury Liability Loss Assessment increased from $1,000 to $5,000 Refrigerated Products – loss due to power failure: $500 per occurrence Lock Replacement when keys are lost or stolen – up to $500 per occurrence (no deductible

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

from a covered lossHome Systems Protection coverage up to $100,000 Service Line Coverage up to $10,000Additional coverage amounts: Money increased from $200 to $300 Securities increased from $1,500 to $2,000 Theft of Jewelry, Watches & Furs increased from $1,500 to $5,000, subject to a $2,500

maximum per article Theft of Silverware, Goldware & Pewterware increased from $2,500 to $4,000 Theft of Firearms increased from $2,500 to $3,000 Credit Cards, Fund Transfer Cards, Forgery increased from $500 to $2,500 Business Property on Premises increased from $2,500 to $3,000 and off Premises

increased from $1,500 to $2,000

To develop the premium for this option: 1. Multiply the All Other Perils premium by a factor of 1.21.

2. Multiply the Wind premiums by a factor of 1.22.

3. To the total policy premium, add a fixed premium amount of $146.

To avoid duplicate coverage, policies with the Premier Endorsement cannot have the following individual coverages: Additional Amount of Coverage A, Inflation Guard, Increased Coverage C, Personal Property Replacement Cost, Personal Injury, Loss Assessment, Refrigerated Personal Property, Home System Protection, Service Line, Personal Property ‐ Increased Special Limits of Liability, or Personal Property Scheduled.

Use UPC 612 CT – Premier Plus Endorsement



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐830‐1 Ed. 06/2019

Rule 830. PREMIER CONDOMINIUM ENDORSEMENT

This endorsement is not available for customers that have submitted a claim during the prior three years

excluding “Act of God” claims.

Coverages contained in this endorsement are:

Personal Property Replacement Cost Coverage Coverage D extended for one week when untenantability occurs due to civil authority or power

interruption Personal Injury Liability matching the Liability Limit Property Damage to property of others increased from $500 to $1,000 Loss Assessment increased from $1,000 to $5,000 Refrigerated Products – loss due to power failure: $500 per occurrence Lock Replacement when keys are lost or stolen – up to $500 per occurrence (no deductible

applies) Extended Theft Coverage for Residence Premises Occasionally Rented to Others $500 Reward for an insured who provides information leading to a theft conviction stemming

from a covered loss Additional coverage amounts: Money increased from $200 to $300 Securities increased from $1,500 to $2,000 Credit Cards, Fund Transfer Cards, Forgery increased from $500 to $2,500 Jewelry, Watches & Furs increased from $1,500 to $5,000, subject to a $2,500 maximum per

article Silverware, Goldware & Pewterware increased from $2,500 to $5,000 Firearms increased from $2,500 to $3,000 Business Property on Premises increased from $2,500 to $3,000 and off Premises increased

from $250 to $1,000

Multiply the all perils by a factor of 1.20.

Use UPC 610– Premier Condominium Endorsement



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐840‐1 Ed. 06/2019

Rule 840. REFRIGERATED PERSONAL PROPERTY

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

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

failure. A deductible of $100 applies.

Charge per policy = $10

Use HO 04 98 – Refrigerated Property Coverage Endorsement.




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐845‐2 Ed. 06/2019

Rule 845. ESCAPED LIQUID FUEL PROPERTY REMEDIATION AND LIABILITY COVERAGES

Provides coverage for escaped fuel liability hazard resulting from the escape or release of fuel from a fuel system. This coverage is available with a limit up to $300,000 for Coverage E (Personal Liability) and $100,000 to pay for loss to covered real or personal property, owned by an insured that is damaged by liquid fuel that escapes from a fuel system on the residence premises as defined in the coverage endorsements.

Cov A & C Cov E Fuel Storage Container Location Premium

$50,000 $200,000 Partially or completely below ground $150




$50,000 $200,000 Completely above ground $44




Use endorsement HO 05 80 ‐ Property Remediation for Escaped Liquid Fuel and Limited Lead and Escaped Liquid Fuel Liability Coverages for forms HO3 and HO5, HO 05 81 ‐ Property Remediation for Escaped Liquid Fuel and Limited Lead and Escaped Liquid Fuel Liability Coverages for forms HO4, and HO 05 82 ‐ Property Remediation for Escaped Liquid Fuel and Limited Lead and Escaped Liquid Fuel Liability Coverages for form HO6.



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐850‐1 Ed. 06/2019

Rule 850. UNIT‐OWNERS RENTAL TO OTHERS

Condominium properties that are rented to others will be rated as follows:

Renter Occupied AOP

No 1.00

12 month contract/lease 1.25

Less than 12 month contract/lease 1.40

Use UPC 625 – Unit‐Owners Rental To Others Endorsement

Applies to form HO 06.



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐860‐1 Ed. 06/2019

Rule 860. RESIDENCE HELD IN TRUST

This endorsement is required when the name of the trustee and, if applicable, a trust is included on the policy:

Property Coverages, for any insurable interest in the dwelling or other structure held in trust; and

Liability Coverages for bodily injury and property damage liability arising out of the ownership, maintenance or use of an insured location held in trust.

The name and address of the trust and the name and address of the trustee(s) must be shown in the endorsement. The trust may also be listed as an Insured if the trust can be recognized under applicable state law as a legal entity with the capacity to sue or be sued in a court having jurisdiction.

The premium is $24.00.

Med Pay Limit Premium

$1,000 $2.00

$2,500 $3.00

$5,000 $5.00

Use HO 06 12 – Trust Endorsement




NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐870‐1 Ed. 06/2019

Rule 870. SPECIAL COVERAGE

This endorsement is automatically added at no additional cost changing named perils to all risk coverage, subject to policy exclusions. Use Endorsement UPC 626 – Unit‐Owners Coverage A Special Coverage Applies to form HO 06.



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐890‐1 Ed. 06/2019

Rule 890. LOSS ASSESSMENT COVERAGE

The base policy includes $1,000 Loss Assessment Coverage. This rule provides increased coverage for

assessments relating to the residence premises. Addition of loss assessment midterm is subject to

underwriter approval.

Limit Premium

$ 1,000 Included

$ 5,000 $15

$10,000 $25

Use Endorsement HO 04 35 – Supplemental Loss Assessment Coverage

Applies to HO 03, HO 05 and HO 06.



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐950‐1 Ed. 06/2019

RATING TIER

Rule 950. RATING TIER DETERMINATION

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

placement. Criteria used for tier placement include liability limit on prior homeowner or renter policy,

insurance score, and prior claims. Proof of prior insurance in the form of a declarations page showing

the prior liability limit must be retained in agent’s file. These documents will be subject to review during

an audit. Paid prior claims will be used as part of the tiering placement for a period of three years from

the date of loss. Claims resulting from natural causes are not counted towards the number of claims in

tier criteria. If an applicant can prove that an “extraordinary life event” (e.g., catastrophic illness,

temporary loss of employment, divorce, death in family, military deployment overseas, etc.,) negatively

impacted their insurance score, then the impact of this event will be removed from the score and the

policy re‐rated.

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

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

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

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

UPC will allow a customer to request that their insurance score be re‐checked up to one time per year. For those customers, we will re‐tier accordingly at renewal. The new insurance score will only be considered if it is better than the score obtained previously. The resulting score, combined with other underwriting factors, could contribute to a non‐renewal or cancellation decision, if for reasons other than insurance score, it is determined the customer is no longer eligible. An insurance score will never be used as the sole determinant of eligibility. Per CGS 38a‐316d.(b), we will not apply a surcharge or any increase in premium based solely on any claim filed on the covered property while such property was owned by anyone other than the current applicant or insured, unless the risk from which such claim originated has not been mitigated. Per CGS 38a‐316d.(c), no increase in premium will apply if based solely on inquiries or claims made

which resulted by a loss coverage payment of less than $500, or in no loss coverage payment. This shall

not apply if the insured has filed more than one claim resulting from a noncatastrophic event in the

three policy years immediately preceding that resulted in any loss coverage payment by the insurer.

HO 03, HO 05 & HO 06

Prior Liability Limit Insurance Score Prior Claims

0 1 2+

>=$300,000 876‐997 6 14 15

>=$300,000 826‐875 7 14 16

>=$300,000 801‐825 7 15 17

>=$300,000 776‐800 8 16 18

>=$300,000 751‐775 9 17 19

>=$300,000 726‐750 11 18 20

>=$300,000 701‐725 13 20 22

>=$300,000 676‐700 15 21 23



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐950‐2 Ed. 06/2019

HO 03, HO 05 & HO 06


0 1 2+

>=$300,000 651‐675 16 23 25

>=$300,000 626‐650 17 23 25

>=$300,000 601‐625 17 23 25

>=$300,000 576‐600 18 25 28

>=$300,000 551‐575 19 28 28

>=$300,000 000‐550 22 28 28

>=$300,000 No Score 13 20 22

$100,000 876‐997 9 17 18

$100,000 826‐875 10 17 19

$100,000 801‐825 10 18 20

$100,000 776‐800 12 19 21

$100,000 751‐775 12 20 21

$100,000 726‐750 14 21 23

$100,000 701‐725 16 23 25

$100,000 676‐700 18 25 28

$100,000 651‐675 19 25 28

$100,000 626‐650 20 28 28

$100,000 601‐625 20 28 28

$100,000 576‐600 21 28 28

$100,000 551‐575 22 28 28

$100,000 000‐550 25 28 28

$100,000 No Score 16 23 25

1st time owner 876‐997 6 14 16

1st time owner 826‐875 7 15 17

1st time owner 801‐825 8 15 17

1st time owner 776‐800 9 17 18

1st time owner 751‐775 10 17 19

1st time owner 726‐750 12 19 21

1st time owner 701‐725 14 21 22

1st time owner 676‐700 15 22 25

1st time owner 651‐675 17 23 25

1st time owner 626‐650 17 25 28

1st time owner 601‐625 18 25 28

1st time owner 576‐600 19 25 28

1st time owner 551‐575 20 28 28

1st time owner 000‐550 23 28 28

1st time owner No Score 14 21 23

HO 04


0 1 2+

>$300,000 876‐997 1 4 7

>$300,000 826‐875 1 6 10

>$300,000 801‐825 3 7 12

>$300,000 776‐800 5 10 13

>$300,000 751‐775 7 11 15

>$300,000 726‐750 8 13 17



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐950‐3 Ed. 06/2019

HO 04


0 1 2+

>$300,000 701‐725 10 14 18

>$300,000 676‐700 11 15 19

>$300,000 651‐675 12 17 21

>$300,000 626‐650 13 18 22

>$300,000 601‐625 15 19 23

>$300,000 576‐600 16 20 24

>$300,000 551‐575 17 21 25

>$300,000 526‐550 18 23 26

>$300,000 501‐525 19 24 28

>$300,000 476‐500 21 25 29

>$300,000 451‐475 22 26 30

>$300,000 000‐450 23 28 32

>$300,000 No Score 15 19 23

$300,000 876‐997 2 7 10

$300,000 826‐875 4 9 13

$300,000 801‐825 6 11 15

$300,000 776‐800 8 13 17

$300,000 751‐775 10 15 18

$300,000 726‐750 12 16 20

$300,000 701‐725 13 17 21

$300,000 676‐700 14 19 23

$300,000 651‐675 15 20 24

$300,000 626‐650 17 21 25

$300,000 601‐625 18 22 26

$300,000 576‐600 19 23 27

$300,000 551‐575 20 25 28

$300,000 526‐550 21 26 30

$300,000 501‐525 23 27 31

$300,000 476‐500 24 28 32

$300,000 451‐475 25 30 33

$300,000 000‐450 26 31 35

$300,000 No Score 18 22 26

$100,000 876‐997 4 8 12

$100,000 826‐875 6 10 14

$100,000 801‐825 8 12 16

$100,000 776‐800 10 15 18

$100,000 751‐775 12 16 20

$100,000 726‐750 13 17 21

$100,000 701‐725 15 19 23

$100,000 676‐700 16 20 24

$100,000 651‐675 17 21 25

$100,000 626‐650 18 22 26

$100,000 601‐625 19 23 27

$100,000 576‐600 20 25 28

$100,000 551‐575 22 26 30

$100,000 526‐550 23 27 31

$100,000 501‐525 24 29 33



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐950‐4 Ed. 06/2019

HO 04


0 1 2+

$100,000 476‐500 26 30 34

$100,000 451‐475 27 31 35

$100,000 000‐450 28 33 36

$100,000 No Score 19 23 27

No Prior 876‐997 6 10 15

No Prior 826‐875 8 13 17

No Prior 801‐825 10 15 19

No Prior 776‐800 12 17 21

No Prior 751‐775 14 18 22

No Prior 726‐750 15 20 23

No Prior 701‐725 17 21 25

No Prior 676‐700 18 23 26

No Prior 651‐675 19 24 28

No Prior 626‐650 20 25 29

No Prior 601‐625 21 26 30

No Prior 576‐600 22 27 31

No Prior 551‐575 24 28 32

No Prior 526‐550 25 30 33

No Prior 501‐525 26 31 35

No Prior 476‐500 28 33 36

No Prior 451‐475 29 34 37

No Prior 000‐450 30 35 39

No Prior No Score 21 26 30



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐960‐1 Ed. 06/2019

Rule 960. TIER FACTORS

HO 03, HO 05 & HO 06 HO 04

Tier AOP Wind/Hail AOP Wind/Hail

1 0.510 1.000 0.389 1.000

2 0.536 1.000 0.421 1.000

3 0.562 1.000 0.453 1.000

4 0.591 1.000 0.488 1.000

5 0.620 1.000 0.526 1.000

6 0.651 1.000 0.565 1.000

7 0.678 1.000 0.607 1.000

8 0.722 1.000 0.651 1.000

9 0.755 1.000 0.699 1.000

10 0.783 1.000 0.749 1.000

11 0.826 1.000 0.802 1.000

12 0.858 1.000 0.859 1.000

13 0.904 1.000 0.919 1.000

14 0.949 1.000 0.982 1.000

15 0.992 1.000 1.049 1.049

16 1.047 1.000 1.120 1.120

17 1.094 1.000 1.195 1.195

18 1.157 1.157 1.274 1.274

19 1.221 1.221 1.359 1.359

20 1.278 1.278 1.448 1.448

21 1.352 1.352 1.543 1.543

22 1.424 1.424 1.644 1.644

23 1.517 1.517 1.750 1.750

24 1.585 1.585 1.864 1.864

25 1.653 1..653 1.983 1.983

26 1.753 1.753 2.110 2.110

27 1.860 1.860 2.245 2.245

28 1.954 1.954 2.388 2.388

29 2.051 2.051 2.539 2.539

30 2.154 2.154 2.700 2.700

31 2.487 2.487 2.870 2.870

32 2.611 2.611 3.050 3.050

33 2.742 2.742 3.241 3.241

34 2.879 2.879 3.443 3.443

35 3.023 3.023 3.658 3.658

36 3.174 3.174 3.886 3.886

37 3.333 3.333 4.127 4.127

38 3.500 3.500 4.383 4.383

39 3.675 3.675 4.653 4.653

40 3.859 3.859 4.941 4.941



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1010‐1 Ed. 06/2019

PREMIUM COMPUTATION

Rule 1010. BASE RATES

Base Premium

Form AOP Wind/Hail

HO 03 / HO 05 $344.00 $222.48

HO 04 $116.00 $41.00

HO 06 $223.00 $140.00



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1020‐2 Ed. 06/2019

Rule 1020. POLICY FORM RATING FACTOR

Policy Form AOP Wind/Hail

HO 00 03 05 11 1.00 1.00

HO 00 05 05 11 1.15 1.15

HO 00 06 05 11 1.00 0.90

HO 00 04 05 11 1.00 0.90



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1030‐1 Ed. 06/2019

Rule 1030. PROTECTION CLASS / CONSTRUCTION FACTORS

Protection

Class

AOP Wind/Hail

Frame

Masonry

Veneer /

HardiPlank

Masonry Superior Frame

Masonry

Veneer /

HardiPlank

Masonry Superior

1 1.06 1.03 1.00 1.00 1.00 0.92 0.83 0.83

2 1.06 1.03 1.00 1.00 1.00 0.92 0.83 0.83

3 1.06 1.03 1.00 1.00 1.00 0.92 0.83 0.83

4 1.06 1.03 1.00 1.00 1.00 0.92 0.83 0.83

5 1.06 1.03 1.00 1.00 1.00 0.92 0.83 0.83

6 1.16 1.11 1.05 1.05 1.00 0.92 0.83 0.83

7 1.19 1.12 1.05 1.05 1.00 0.92 0.83 0.83

8 1.30 1.25 1.20 1.20 1.00 0.92 0.83 0.83

9 1.40 1.33 1.25 1.25 1.00 0.92 0.83 0.83

10 2.00 1.75 1.50 1.50 1.00 0.92 0.83 0.83

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



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1040‐1 Ed. 06/2019

Rule 1040. KEY FACTORS

HO 03 & HO 05

Cov A ($) AOP Wind/Hail

75,000 0.800 1.000

80,000 0.813 1.005

85,000 0.827 1.009

90,000 0.840 1.014

95,000 0.853 1.018

100,000 0.867 1.023

105,000 0.880 1.028

110,000 0.893 1.033

115,000 0.907 1.037

120,000 0.920 1.042

125,000 0.933 1.047

130,000 0.947 1.052

135,000 0.960 1.056

140,000 0.973 1.061

145,000 0.987 1.065

150,000 1.000 1.070

155,000 1.023 1.075

160,000 1.047 1.079

165,000 1.070 1.084

170,000 1.093 1.088

175,000 1.117 1.093

180,000 1.140 1.098

185,000 1.163 1.103

190,000 1.187 1.107

195,000 1.210 1.112

200,000 1.233 1.117

205,000 1.257 1.122

210,000 1.280 1.126

215,000 1.303 1.131

220,000 1.327 1.135

225,000 1.350 1.140

230,000 1.373 1.145

235,000 1.397 1.149

240,000 1.420 1.154

245,000 1.443 1.158

250,000 1.467 1.163

255,000 1.490 1.168

260,000 1.513 1.173


265,000 1.537 1.177

270,000 1.560 1.182

275,000 1.583 1.187

280,000 1.607 1.192

285,000 1.630 1.196

290,000 1.653 1.201

295,000 1.677 1.205

300,000 1.700 1.210

305,000 1.723 1.215

310,000 1.746 1.219

315,000 1.769 1.224

320,000 1.792 1.228

325,000 1.815 1.233

330,000 1.838 1.238

335,000 1.861 1.243

340,000 1.884 1.247

345,000 1.907 1.252

350,000 1.930 1.257

355,000 1.953 1.262

360,000 1.976 1.266

365,000 1.999 1.271

370,000 2.022 1.275

375,000 2.045 1.280

380,000 2.068 1.285

385,000 2.091 1.289

390,000 2.114 1.294

395,000 2.137 1.298

400,000 2.160 1.303

405,000 2.183 1.308

410,000 2.206 1.313

415,000 2.229 1.317

420,000 2.252 1.322

425,000 2.275 1.327

430,000 2.298 1.332

435,000 2.321 1.336

440,000 2.344 1.341

445,000 2.367 1.345



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1040‐2 Ed. 06/2019


450,000 2.390 1.350

455,000 2.413 1.210

460,000 2.436 1.215

465,000 2.459 1.219

470,000 2.482 1.224

475,000 2.505 1.228

480,000 2.528 1.233

485,000 2.551 1.238

490,000 2.574 1.243

495,000 2.597 1.247

500,000 2.620 2.6340

Each Add'l $1,000

0.0046 0.0046

HO 04

Cov C ($) AOP Wind/Hail

10,000 0.643 0.286

15,000 0.714 0.429

20,000 0.786 0.571

25,000 0.857 0.714

30,000 0.929 0.857

35,000 1.000 1.000

40,000 1.100 1.143

45,000 1.200 1.286

50,000 1.300 1.429

55,000 1.400 1.571

60,000 1.500 1.714

65,000 1.600 1.857

70,000 1.700 2.000

75,000 1.800 2.143

80,000 1.900 2.286

Each Add'l $1,000

(Cov C Limit – 35,000)/35,000

x 1.07

Cov C Limit/35,000

HO 06

Cov A + C ($) AOP Wind/Hail

50,000 0.695 0.695

55,000 0.726 0.726

60,000 0.756 0.756

65,000 0.786 0.786


70,000 0.817 0.817

75,000 0.847 0.847

80,000 0.877 0.877

85,000 0.909 0.909

90,000 0.939 0.939

95,000 0.969 0.969

100,000 1.000 1.000

105,000 1.030 1.030

110,000 1.060 1.060

115,000 1.091 1.091

120,000 1.121 1.121

125,000 1.151 1.151

130,000 1.183 1.183

135,000 1.213 1.213

140,000 1.243 1.243

145,000 1.274 1.274

150,000 1.304 1.304

155,000 1.334 1.334

160,000 1.365 1.365

165,000 1.395 1.395

170,000 1.425 1.425

175,000 1.456 1.456

180,000 1.486 1.486

185,000 1.516 1.516

190,000 1.548 1.548

195,000 1.578 1.578

200,000 1.608 1.608

205,000 1.639 1.639

210,000 1.669 1.669

215,000 1.699 1.699

220,000 1.730 1.730

225,000 1.760 1.760

230,000 1.790 1.790

235,000 1.821 1.821

240,000 1.851 1.851

245,000 1.881 1.881

250,000 1.913 1.913

255,000 1.943 1.943

260,000 1.973 1.973

265,000 2.004 2.004



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1040‐3 Ed. 06/2019


270,000 2.034 2.034

275,000 2.064 2.064

280,000 2.095 2.095

285,000 2.125 2.125

290,000 2.155 2.155

295,000 2.186 2.186


300,000 2.216 2.216

Each Add'l $1,000

0.007 0.007



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1100‐1 Ed. 06/2019

TERRITORY

Rule 1100. TERRITORY DEFINITIONS AND RATE FACTORS

All Other Perils Territory Relativities

Territory HO 03 & HO 05

HO 04 HO 06

011 0.743 0.743 0.743

012 0.914 0.914 0.914

013 0.938 0.938 0.938

021 0.757 0.757 0.757

022 1.054 1.054 1.054

031 0.921 0.921 0.921

032 0.822 0.822 0.822

041 0.854 0.866 0.866

042 0.889 0.889 0.889

043 1.141 1.141 1.141

051 1.471 1.471 1.471

061 1.003 1.003 1.003

062 0.887 1.024 1.024

071 0.953 0.953 0.953

072 0.985 0.985 0.985

081 0.886 0.964 0.964

082 1.014 1.014 1.014

083 1.041 1.041 1.041

091 0.893 0.893 0.893

092 0.91 0.91 0.91

093 1.205 1.205 1.205

094 1.567 1.567 1.567

101 1.06 1.06 1.06

102 1.121 1.121 1.121

111 0.942 0.942 0.942

112 1.204 1.204 1.204

121 0.916 0.916 0.916

122 0.894 1.188 1.188



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1100‐2 Ed. 06/2019

Territory Definitions ZIP Code Town Territory

06232 Andover 121

06401 Ansonia 093

06278 Ashford 121

06001 Avon 041

06063 Barkhamsted 061

06403 Beacon Falls 101

06037 Berlin 041

06023 Berlin 041

06524 Bethany 101

06801 Bethel 032

06751 Bethlehem 061

06002 Bloomfield 042

06043 Bolton 121

06334 Boxrah 111

06336 Boxrah 111

06405 Branford 092

06614 Bridgeport 022









06752 Bridgewater 061

06010 Bristol 042

06804 Brookfield 031

06234 Brooklyn 121

06013 Burlington 041

06085 Burlington 041

06031 Canaan 061

06018 Canaan 061

06331 Canterbury 121

06019 Canton 041

06020 Canton 041

06059 Canton 041

06022 Canton 041

06235 Chaplin 121

06410 Chesire 101

06412 Chester 082

06413 Clinton 082

06414 Cobalt 071

06415 Colchester 111

06021 Colebrook 061

06237 Columbia 121

06796 Cornwall 061

06238 Coventry 121

06416 Cromwell 072

ZIP Code Town Territory

06810 Danbury 032

06811 Danbury 032

06820 Darien 011

06417 Deep River 081

06418 Derby 093

06422 Durham 071

06026 East Granby 041

06469 East Haddam 071

06423 East Haddam 071

06424 East Hampton 071

06108 East Hartford 043

06118 East Hartford 043

06512 East Haven 093

06333 East Lyme 081

06357 East Lyme 081

06016 East Windsor 042

06088 East Windsor 042

06242 Eastford 121

06612 Easton 022

06029 Ellington 121

06082 Enfield 042

06426 Essex 081

06442 Essex 081

06409 Essex 081

06824 Fairfield 021

06825 Fairfield 021

06890 Fairfield 021

06032 Farmington 041

06254 Franklin 111

06033 Glastonbury 041

06073 Glastonbury 041

06756 Goshen 061

06035 Granby 041

06090 Granby 041

06060 Granby 041

06831 Greenwich 011

06870 Greenwich 011

06807 Greenwich 011

06878 Greenwich 011

06830 Greenwich 011

06351 Griswold 112

06355 Groton 083

06340 Groton 083

06349 Groton 083

06437 Guilford 092

06441 Haddam 071

06438 Haddam 071

06514 Hamden 093

06517 Hamden 093



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1100‐3 Ed. 06/2019


06511 Hamden 093

06518 Hamden 093

06247 Hampton 121

06350 Hanover 112

06110 Hartford 051

06107 Hartford 041

06119 Hartford 051

06152 Hartford 051

06199 Hartford 051

06101 Hartford 051

06105 Hartford 051

06106 Hartford 051

06120 Hartford 051

06114 Hartford 051

06112 Hartford 051

06103 Hartford 051

06027 Hartland 041

06091 Hartland 041

06065 Hartland 041

06791 Harwinton 061

06248 Hebron 121

06231 Hebron 121

06785 Kent 061

06757 Kent 061

06239 Killingly 122

06241 Killingly 122

06243 Killingly 122

06419 Killingworth 081

06249 Lebanon 111

06339 Ledyard 082

06335 Ledyard 082

06759 Litchfield 061



06376 Lyme 081

06443 Madison 091

06040 Manchester 042

06042 Manchester 042

06250 Mansfield 121

06268 Mansfield 121

06269 Mansfield 121

06447 Marlborough 071

06450 Meriden 102

06451 Meriden 102

06762 Middlebury 101

06481 Middlefield 071

06455 Middlefield 071

06457 Middletown 072

06460 Milford 092

06461 Milford 092


06468 Monroe 031

06353 Montville 082

06370 Montville 082

06382 Montville 082

06758 Morris 062

06763 Morris 062

06471 N.Branford 092

06472 N.Branford 092

06359 N.Stonington 082

06770 Naugatuck 102

06051 New Britain 043



06840 New Canaan 011

06812 New Fairfield 032

06057 New Hartford 062

06513 New Haven 094

06510 New Haven 094

06515 New Haven 094

06519 New Haven 094

06320 New London 083

06755 New Milford 061

06776 New Milford 061

06111 Newington 041

06470 Newtown 031

06482 Newtown 031

06058 Norfolk 061

06024 North Canaan 062

06473 North Haven 092

06853 Norwalk 012

06850 Norwalk 012

06851 Norwalk 012

06854 Norwalk 012

06855 Norwalk 012

06360 Norwich 112

06380 Norwich 112

06371 Old Lyme 081

06475 Old Saybrook 082

06477 Orange 091

06478 Oxford 101

06374 Plainfield 122

06354 Plainfield 122

06062 Plainville 042

06782 Plymouth 062

06786 Plymouth 062

06259 Pomfret 121

06480 Portland 071

06365 Preston 112

06712 Prospect 101

06260 Putnam 122



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1100‐4 Ed. 06/2019


06896 Redding 031

06877 Ridgefield 031

06067 Rocky Hill 041

06783 Roxbury 061

06420 Salem 111

06068 Salisbury 062

06039 Salisbury 062

06264 Scotland 121

06483 Seymour 093

06069 Sharon 062

06484 Shelton 021

06784 Sherman 031

06070 Simsbury 041

06089 Simsbury 041

06092 Simsbury 041

06081 Simsbury 041

06074 So.Windsor 041

06071 Somers 121

06488 Southbury 101

06489 Southington 042

06479 Southington 042

06330 Sprague 112

06076 Stafford 121

06906 Stamford 013

06905 Stamford 013

06907 Stamford 013

06903 Stamford 013

06910 Stamford 013

06901 Stamford 013

06902 Stamford 013

06377 Sterling 121

06373 Sterling 121

06378 Stonington 082

06379 Stonington 082

06078 Suffield 041

06093 Suffield 041

06787 Thomaston 062

06277 Thompson 122

06255 Thompson 122

06262 Thompson 122

06084 Tolland 121


06790 Torrington 062

06611 Trumbull 022

06066 Vernon 121

06384 Voluntown 111

06117 W.Hartford 041

06492 Wallingford 101

06754 Warren 061

06777 Warren 061

06793 Washington 061

06794 Washington 061

06705 Waterbury 102

06704 Waterbury 102

06702 Waterbury 102

06706 Waterbury 102

06708 Waterbury 102

06710 Waterbury 102

06385 Waterford 082

06375 Waterford 082

06795 Watertown 062

06779 Watertown 062

06387 Wauregan 122

06516 West Haven 093

06498 Westbrook 082

06883 Weston 021

06880 Westport 021

06109 Wethersfield 041

06279 Willington 121

06897 Wilton 021

06098 Winchester 062

06256 Windham 121

06280 Windham 121

06266 Windham 121

06226 Windham 121

06095 Windsor 042

06096 Windsor Locks 042

06716 Wolcott 102

06525 Woodbridge 094

06798 Woodbury 061

06281 Woodstock 121

06282 Woodstock 121



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1100‐5 Ed. 06/2019

Distance to Coast ZIP Code Relativities DISTANCE TO COAST BAND FACTORS

ZIP CODE

>= 0 and <

0.1 Miles

>= 0.1 and < 0.25 Miles

>= 0.25

and < 0.5

Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

3 Miles

>= 3 and <

5 Miles

>= 5 and <

15 Miles

>= 15 and <

25 Miles

>= 25 and <

35 Miles

>= 35 Miles

Default

6001

0.541 0.521 0.541 6002

0.597 0.597

6010

0.596 0.567 0.567 0.596 6013

0.489 0.476 0.489

6016

0.728 0.728 6018

0.291 0.291

6019

0.478 0.439 0.478 6020

0.478 0.439 0.478

6021

0.299 0.299 6022

0.478 0.439 0.478

6023

0.793

0.793 6024

0.294 0.294

6026

0.555 0.555 6027

0.359 0.359

6029

0.680 0.680 6031

0.279 0.279

6032

0.622

0.622 6033

0.732

0.732

6035

0.476 0.476 6037

0.750 0.780

0.780

6039

0.302 0.302 6040

0.712

0.712

6042

0.716 0.731 0.731 6043

0.702

0.702

6051

0.731 0.716

0.731 6052

0.705 0.702

0.705

6053

0.694

0.694 6057

0.440 0.415 0.440

6058

0.296 0.296 6059

0.478 0.439 0.478

6060

0.400 0.400 6062

0.660 0.659

0.660

6063

0.389 0.389 6065

0.352 0.352

6066

0.709 0.712 0.712 6067

0.810 0.852

0.852

6068

0.271 0.271 6069

0.301 0.301

6070

0.504 0.504 6071

0.595 0.595

6073

0.751 0.790

0.790 6074

0.735 0.735

6076

0.565 0.565 6078

0.642 0.642

6081

0.532 0.532 6082

0.658 0.658

6084

0.634 0.634 6085

0.565

0.565

6088

0.709 0.709 6089

0.532 0.532

6090

0.400 0.400 6091

0.347 0.347

6092

0.441 0.441 6093

0.550 0.550

6095

0.672 0.672 6096

0.664 0.664

6098

0.334 0.334 6101

0.741 0.731 0.741

6103

0.740

0.740 6105

0.685 0.656 0.685

6106

0.724

0.724 6107

0.641

0.641

6108

0.750 0.749 0.750 6109

0.809

0.809

6110

0.706

0.706 6111

0.740

0.740

6112

0.737 0.699 0.737 6114

0.778

0.778

6117

0.618 0.620 0.620



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1100‐6 Ed. 06/2019

DISTANCE TO COAST BAND FACTORS ZIP

CODE >= 0 and <

0.1 Miles

>= 0.1 and < 0.25 Miles

>= 0.25

and < 0.5

Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

3 Miles

>= 3 and <

5 Miles

>= 5 and <

15 Miles

>= 15 and <

25 Miles

>= 25 and <

35 Miles

>= 35 Miles

Default

6118

0.775

0.775 6119

0.665

0.665

6120

0.741 0.731 0.741 6152

0.724

0.724

6199

0.664 0.664 6226

0.948 0.868

0.948

6231

0.804

0.804 6232

0.742

0.742

6234

0.860

0.860 6235

0.743

0.743

6237

0.831 0.814

0.831 6238

0.734 0.678 0.734

6239

0.852 0.887

0.887 6241

0.821 0.837

0.837

6242

0.728 0.684 0.728 6243

0.821 0.837

0.837

6247

0.824 0.775

0.824 6248

0.781 0.743

0.781

6249

0.888 0.835

0.888 6250

0.792

0.792

6254

0.942

0.942 6255

0.774 0.737 0.774

6256

0.854

0.854 6259

0.808 0.735 0.808

6260

0.791 0.812

0.812 6262

0.747 0.740 0.747

6264

0.854 0.831

0.854 6266

0.955

0.955

6268

0.734 0.684 0.734 6269

0.697

0.697

6277

0.786

0.786 6278

0.703 0.643 0.703

6279

0.693 0.623 0.693 6280

0.920 0.864

0.920

6281

0.804 0.697 0.804 6282

0.690 0.690

6320 3.352 3.287 3.022 2.688 1.971 1.793 1.647

3.352 6330

0.914

0.914

6331

0.949 0.864

0.949 6333

2.514 2.355 2.178 1.648 1.280 1.043

2.514

6334

0.964 0.948

0.964 6335

1.333 1.237

1.333

6336

0.933

0.933 6339

1.275 1.149

1.275

6340 3.756 3.580 3.130 2.859 2.582 2.271 1.902 1.528

3.756 6349

1.408

1.408

6351

1.089 1.042

1.089 6353

1.079

1.079

6354

0.944 0.937

0.944 6355 3.465 3.318 2.841 2.500 2.220 1.997 1.667 1.405 1.265

3.465

6357 4.265 3.824 2.932 2.540 2.298 2.042 1.689 1.441

4.265 6359

1.342 1.167

1.342

6360

1.061 1.001

1.061 6365

1.090 1.076

1.090

6370

1.015

1.015 6371 4.337 4.251 4.059 3.813 3.107 2.156 1.681 1.251 1.002

4.337

6373 0.900 0.900 6374

1.003 0.976

1.003

6375

1.507 1.375 1.192

1.507 6376 4.337 4.251 4.059 3.813 3.107 2.156 1.681 1.251 1.002 4.337 6377

0.900

0.900

6378 3.684 3.572 3.121 2.759 2.473 2.216 1.858 1.467 1.275

3.684 6379 3.897 3.731 3.697 3.565 3.251 2.728 1.995 1.605

3.897

6380

1.091 1.066

1.091 6382

1.153

1.153

6384

1.052 0.966

1.052 6385 3.610 3.617 3.039 2.783 2.543 2.109 1.691 1.309 1.140

3.617

6387

0.981

0.981 6401

0.709

0.709

6403

0.581

0.581 6405 2.863 2.731 2.516 2.378 2.179 1.925 1.463 1.176

2.863



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1100‐7 Ed. 06/2019


CODE >= 0 and <

0.1 Miles

>= 0.1 and < 0.25 Miles

>= 0.25

and < 0.5

Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

3 Miles

>= 3 and <

5 Miles

>= 5 and <

15 Miles

>= 15 and <

25 Miles

>= 25 and <

35 Miles

>= 35 Miles

Default

6409

1.264

1.264 6410

0.670 0.650

0.670

6412

0.947

0.947 6413 3.117 3.138 3.148 3.166 3.101 2.862 1.835 1.291

3.166

6414

0.830

0.830 6415

0.862 0.833

0.862

6416

0.842 0.858

0.858 6417

1.138 1.045

1.138

6418

0.751

0.751 6419

1.471 1.131 0.859

1.471

6420

0.923

0.923 6422

0.811 0.797

0.811

6423

0.907

0.907 6424

0.912 0.784

0.912

6426

1.685 1.624 1.334

1.685 6437 3.251 3.096 2.867 2.824 2.742 2.406 1.588 1.106 0.846

3.251

6438

0.902 0.871

0.902 6441

0.799 0.811

0.811

6442

1.257 1.162

1.257 6443 3.226 3.187 3.095 3.063 2.927 2.725 1.602 1.139 0.836

3.226

6447

0.748 0.716

0.748 6450

0.780

0.780

6451

0.736

0.736 6455

0.841 0.837

0.841

6457

0.839

0.839 6460 2.525 2.501 2.284 2.104 1.986 1.863 1.674

2.525

6461

1.790 1.646 1.367 1.054

1.790 6468

0.613

0.613

6469

0.886 0.823

0.886 6470

0.543 0.526

0.543

6471

1.237 1.065 0.926

1.237 6472

0.879

0.879

6473

1.097 1.050 0.943 0.833

1.097 6475 3.819 3.751 3.684 3.644 3.390 2.143 1.843 1.559

3.819

6477

1.861 1.786 1.647 1.325 0.963 0.820

1.861 6478

0.570 0.542

0.570

6479

0.661

0.661 6480

0.826 0.762

0.826

6481

0.836

0.836 6482

0.574 0.566

0.574

6483

0.640

0.640 6484

1.004 0.763

1.004

6488

0.511

0.511 6489

0.668

0.668

6492

0.798 0.804

0.804 6498 3.508 3.497 3.490 3.401 3.239 2.473 1.733 1.315 1.083

3.508

6510

1.196 1.128

1.196 6511 1.439 1.515 1.400 1.207 1.095 1.024 0.925 0.871

1.515

6512 2.326 2.359 2.258 2.171 2.032 1.776 1.388 1.122

2.359 6513 1.364 1.350 1.314 1.329 1.235 1.166 1.098 1.015 0.995

1.364

6514

0.885 0.835 0.750

0.885 6515

0.911 0.844

0.911

6516 2.117 2.054 1.895 1.792 1.678 1.453 1.061 0.900

2.117 6517

1.072 0.996 0.930 0.832

1.072

6518

0.691

0.691 6519 1.631 1.610 1.513 1.309 1.169 1.057 1.011

1.631

6524

0.625

0.625 6525

0.788 0.693

0.788

6604 2.069 2.028 1.737 1.548 1.393 1.351 1.097

2.069 6605 2.006 1.984 1.784 1.646 1.527 1.469

2.006

6606

1.242 1.142 1.007 0.884

1.242 6607 2.064 1.919 1.818 1.694

2.064

6608 1.756 1.647 1.562 1.468 1.324 1.233

1.756 6610

1.833 1.659 1.462 1.268 1.113 1.013

1.833

6611

0.971 0.905 0.739

0.971 6612

0.803 0.647

0.803

6614

1.718 1.727 1.452 1.093 0.909

1.727 6615 2.958 2.840 2.696 2.614 2.324 1.938 1.766

2.958

6650 2.006 1.984 1.784 1.646 1.527 1.469

2.006 6702

0.574

0.574

6704

0.571

0.571



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1100‐8 Ed. 06/2019


CODE >= 0 and <

0.1 Miles

>= 0.1 and < 0.25 Miles

>= 0.25

and < 0.5

Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

3 Miles

>= 3 and <

5 Miles

>= 5 and <

15 Miles

>= 15 and <

25 Miles

>= 25 and <

35 Miles

>= 35 Miles

Default

6705

0.595

0.595 6706

0.599

0.599

6708

0.568

0.568 6710

0.582

0.582

6712

0.606 0.602

0.606 6716

0.576

0.576

6750

0.420 0.405 0.420 6751

0.498

0.498

6752

0.496 0.463

0.496 6754

0.315 0.315

6755

0.349 0.327 0.349 6756

0.351 0.351

6757

0.295 0.295 6758

0.489

0.489

6759

0.435 0.379 0.435 6762

0.539

0.539

6763

0.474

0.474 6770

0.584 0.577

0.584

6776

0.423 0.347 0.423 6777

0.391 0.367 0.391

6778

0.454

0.454 6779

0.566

0.566

6782

0.538 0.502

0.538 6783

0.467 0.443

0.467

6784

0.402 0.324 0.402 6785

0.325 0.325

6786

0.546 0.511

0.546 6787

0.533 0.487

0.533

6790

0.407 0.384 0.407 6791

0.440 0.414 0.440

6793

0.425

0.425 6794

0.404

0.404

6795

0.554 0.528

0.554 6796

0.292 0.292

6798

0.514 0.485

0.514 6801

0.512 0.498 0.498 0.498 0.512

6804

0.519 0.522

0.522 6807

1.082 1.061 0.986 0.807 0.643

1.082

6810

0.489

0.489 6811

0.502

0.502

6812

0.513 0.491

0.513 6820 1.962 1.915 1.725 1.568 1.475 1.201 0.974 0.779

1.962

6824 2.268 2.196 1.978 1.774 1.585 1.449 1.154 0.851 0.732

2.268 6825

1.567 1.516 1.366 1.110 0.890

1.567

6830 1.377 1.318 1.143 1.065 1.001 0.905 0.763 0.619 0.557

1.377 6831

0.999 0.943 0.858 0.729 0.595 0.519

0.999

6840

0.695 0.555

0.695 6850

1.393 1.264 1.128 0.943 0.786

1.393

6851

1.413 1.358 1.235 1.064 0.891 0.746

1.413 6853 2.235 2.107 1.945 1.831

2.235

6854 2.589 2.568 2.228 1.643 1.418 1.241 1.101

2.589 6855 2.215 2.149 1.622 1.498

2.215

6870 1.656 1.547 1.331 1.205 1.122 0.950 0.823

1.656 6877

0.468 0.465

0.468

6878 1.470 1.435 1.261 1.174 1.122 1.008 0.906

1.470 6880 1.942 1.931 1.681 1.487 1.366 1.209 0.960 0.773 0.681

1.942

6883

0.682 0.602

0.682 6890 1.921 1.870 1.694 1.610 1.469 1.297 1.083 0.908

1.921

6896

0.520 0.497

0.520 6897

0.660 0.547

0.660

6901

1.163 1.130

1.163 6902 1.652 1.584 1.356 1.274 1.118 0.952 0.759 0.634

1.652

6903

0.578 0.531

0.578 6905

1.037 0.957 0.824 0.686

1.037

6906

1.163 1.065 0.938

1.163 6907

0.842 0.702

0.842

6910 1.652 1.584 1.356 1.274 1.118 0.952 0.759 0.634

1.652 6001

0.541 0.521 0.541

6002

0.597 0.597 6010

0.596 0.567 0.567 0.596

6013

0.489 0.476 0.489



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1100‐9 Ed. 06/2019


CODE >= 0 and <

0.1 Miles

>= 0.1 and < 0.25 Miles

>= 0.25

and < 0.5

Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

3 Miles

>= 3 and <

5 Miles

>= 5 and <

15 Miles

>= 15 and <

25 Miles

>= 25 and <

35 Miles

>= 35 Miles

Default

6016

0.728 0.728 6018

0.291 0.291

6019

0.478 0.439 0.478 6020

0.478 0.439 0.478

6021

0.299 0.299 6022

0.478 0.439 0.478

6023

0.793

0.793 6024

0.294 0.294

6026

0.555 0.555 6027

0.359 0.359

6029

0.680 0.680 6031

0.279 0.279

6032

0.622

0.622 6033

0.732

0.732

6035

0.476 0.476 6037

0.750 0.780

0.780

6039

0.302 0.302 6040

0.712

0.712

6042

0.716 0.731 0.731 6043

0.702

0.702

6051

0.731 0.716

0.731 6052

0.705 0.702

0.705

6053

0.694

0.694 6057

0.440 0.415 0.440

6058

0.296 0.296 6059

0.478 0.439 0.478

6060

0.400 0.400 6062

0.660 0.659

0.660

6063

0.389 0.389 6065

0.352 0.352

6066

0.709 0.712 0.712 6067

0.810 0.852

0.852

6068

0.271 0.271 6069

0.301 0.301

6070

0.504 0.504 6071

0.595 0.595

6073

0.751 0.790

0.790 6074

0.735 0.735

6076

0.565 0.565 6078

0.642 0.642

6081

0.532 0.532 6082

0.658 0.658

6084

0.634 0.634 6085

0.565

0.565

6088

0.709 0.709 6089

0.532 0.532

6090

0.400 0.400 6091

0.347 0.347

6092

0.441 0.441 6093

0.550 0.550

6095

0.672 0.672 6096

0.664 0.664

6098

0.334 0.334 6101

0.741 0.731 0.741

6103

0.740

0.740 6105

0.685 0.656 0.685

6106

0.724

0.724 6107

0.641

0.641

6108

0.750 0.749 0.750 6109

0.809

0.809

6110

0.706

0.706 6111

0.740

0.740

6112

0.737 0.699 0.737 6114

0.778

0.778

6117

0.618 0.620 0.620 6118

0.775

0.775

6119

0.665

0.665 6120

0.741 0.731 0.741

6152

0.724

0.724 6199

0.664 0.664

6226

0.948 0.868

0.948



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1100‐10 Ed. 06/2019


CODE >= 0 and <

0.1 Miles

>= 0.1 and < 0.25 Miles

>= 0.25

and < 0.5

Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

3 Miles

>= 3 and <

5 Miles

>= 5 and <

15 Miles

>= 15 and <

25 Miles

>= 25 and <

35 Miles

>= 35 Miles

Default

6231

0.804

0.804 6232

0.742

0.742

6234

0.860

0.860 6235

0.743

0.743

6237

0.831 0.814

0.831 6238

0.734 0.678 0.734

6239

0.852 0.887

0.887 6241

0.821 0.837

0.837

6242

0.728 0.684 0.728 6243

0.821 0.837

0.837

6247

0.824 0.775

0.824 6248

0.781 0.743

0.781

6249

0.888 0.835

0.888 6250

0.792

0.792

6254

0.942

0.942 6255

0.774 0.737 0.774

6256

0.854

0.854 6259

0.808 0.735 0.808

6260

0.791 0.812

0.812 6262

0.747 0.740 0.747

6264

0.854 0.831

0.854 6266

0.955

0.955

6268

0.734 0.684 0.734 6269

0.697

0.697

6277

0.786

0.786 6278

0.703 0.643 0.703

6279

0.693 0.623 0.693 6280

0.920 0.864

0.920

6281

0.804 0.697 0.804 6282

0.690 0.690

6320 3.352 3.287 3.022 2.688 1.971 1.793 1.647

3.352 6330

0.914

0.914

6331

0.949 0.864

0.949 6333

2.514 2.355 2.178 1.648 1.280 1.043

2.514

6334

0.964 0.948

0.964 6335

1.333 1.237

1.333

6336

0.933

0.933 6338

1.106

1.106

6339

1.275 1.149

1.275 6340 3.756 3.580 3.130 2.859 2.582 2.271 1.902 1.528

3.756

6349

1.408

1.408 6351

1.089 1.042

1.089

6353

1.079

1.079 6354

0.944 0.937

0.944

6355 3.465 3.318 2.841 2.500 2.220 1.997 1.667 1.405 1.265

3.465 6357 4.265 3.824 2.932 2.540 2.298 2.042 1.689 1.441

4.265

6359

1.342 1.167

1.342 6360

1.061 1.001

1.061

6365

1.090 1.076

1.090 6370

1.015

1.015

6371 4.337 4.251 4.059 3.813 3.107 2.156 1.681 1.251 1.002

4.337 6374

1.003 0.976

1.003

6375

1.507 1.375 1.192

1.507 6377

0.900

0.900

6378 3.684 3.572 3.121 2.759 2.473 2.216 1.858 1.467 1.275

3.684 6379 3.897 3.731 3.697 3.565 3.251 2.728 1.995 1.605

3.897

6380

1.091 1.066

1.091 6382

1.153

1.153

6384

1.052 0.966

1.052 6385 3.610 3.617 3.039 2.783 2.543 2.109 1.691 1.309 1.140

3.617

6387

0.981

0.981 6401

0.709

0.709

6403

0.581

0.581 6405 2.863 2.731 2.516 2.378 2.179 1.925 1.463 1.176

2.863

6409

1.264

1.264 6410

0.670 0.650

0.670

6412

0.947

0.947 6413 3.117 3.138 3.148 3.166 3.101 2.862 1.835 1.291

3.166

6414

0.830

0.830 6415

0.862 0.833

0.862

6416

0.842 0.858

0.858



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1100‐11 Ed. 06/2019


CODE >= 0 and <

0.1 Miles

>= 0.1 and < 0.25 Miles

>= 0.25

and < 0.5

Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

3 Miles

>= 3 and <

5 Miles

>= 5 and <

15 Miles

>= 15 and <

25 Miles

>= 25 and <

35 Miles

>= 35 Miles

Default

6417

1.138 1.045

1.138 6418

0.751

0.751

6419

1.471 1.131 0.859

1.471 6420

0.923

0.923

6422

0.811 0.797

0.811 6423

0.907

0.907

6424

0.912 0.784

0.912 6426

1.685 1.624 1.334

1.685

6437 3.251 3.096 2.867 2.824 2.742 2.406 1.588 1.106 0.846

3.251 6438

0.902 0.871

0.902

6441

0.799 0.811

0.811 6442

1.257 1.162

1.257

6443 3.226 3.187 3.095 3.063 2.927 2.725 1.602 1.139 0.836

3.226 6447

0.748 0.716

0.748

6450

0.780

0.780 6451

0.736

0.736

6455

0.841 0.837

0.841 6457

0.839

0.839

6460 2.525 2.501 2.284 2.104 1.986 1.863 1.674

2.525 6461

1.790 1.646 1.367 1.054

1.790

6468

0.613

0.613 6469

0.886 0.823

0.886

6470

0.543 0.526

0.543 6471

1.237 1.065 0.926

1.237

6472

0.879

0.879 6473

1.097 1.050 0.943 0.833

1.097

6475 3.819 3.751 3.684 3.644 3.390 2.143 1.843 1.559

3.819 6477

1.861 1.786 1.647 1.325 0.963 0.820

1.861

6478

0.570 0.542

0.570 6479

0.661

0.661

6480

0.826 0.762

0.826 6481

0.836

0.836

6482

0.574 0.566

0.574 6483

0.640

0.640

6484

1.004 0.763

1.004 6488

0.511

0.511

6489

0.668

0.668 6492

0.798 0.804

0.804

6498 3.508 3.497 3.490 3.401 3.239 2.473 1.733 1.315 1.083

3.508 6510

1.196 1.128

1.196

6511 1.439 1.515 1.400 1.207 1.095 1.024 0.925 0.871

1.515 6512 2.326 2.359 2.258 2.171 2.032 1.776 1.388 1.122

2.359

6513 1.364 1.350 1.314 1.329 1.235 1.166 1.098 1.015 0.995

1.364 6514

0.885 0.835 0.750

0.885

6515

0.911 0.844

0.911 6516 2.117 2.054 1.895 1.792 1.678 1.453 1.061 0.900

2.117

6517

1.072 0.996 0.930 0.832

1.072 6518

0.691

0.691

6519 1.631 1.610 1.513 1.309 1.169 1.057 1.011

1.631 6524

0.625

0.625

6525

0.788 0.693

0.788 6604 2.069 2.028 1.737 1.548 1.393 1.351 1.097

2.069

6605 2.006 1.984 1.784 1.646 1.527 1.469

2.006 6606

1.242 1.142 1.007 0.884

1.242

6607 2.064 1.919 1.818 1.694

2.064 6608 1.756 1.647 1.562 1.468 1.324 1.233

1.756

6610

1.833 1.659 1.462 1.268 1.113 1.013

1.833 6611

0.971 0.905 0.739

0.971

6612

0.803 0.647

0.803 6614

1.718 1.727 1.452 1.093 0.909

1.727

6615 2.958 2.840 2.696 2.614 2.324 1.938 1.766

2.958 6650 2.006 1.984 1.784 1.646 1.527 1.469

2.006

6702

0.574

0.574 6704

0.571

0.571

6705

0.595

0.595 6706

0.599

0.599

6708

0.568

0.568 6710

0.582

0.582

6712

0.606 0.602

0.606 6716

0.576

0.576

6750

0.420 0.405 0.420



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1100‐12 Ed. 06/2019


CODE >= 0 and <

0.1 Miles

>= 0.1 and < 0.25 Miles

>= 0.25

and < 0.5

Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

3 Miles

>= 3 and <

5 Miles

>= 5 and <

15 Miles

>= 15 and <

25 Miles

>= 25 and <

35 Miles

>= 35 Miles

Default

6751

0.498

0.498 6752

0.496 0.463

0.496

6754

0.315 0.315 6755

0.349 0.327 0.349

6756

0.351 0.351 6757

0.295 0.295

6758

0.489

0.489 6759

0.435 0.379 0.435

6762

0.539

0.539 6763

0.474

0.474

6770

0.584 0.577

0.584 6776

0.423 0.347 0.423

6777

0.391 0.367 0.391 6778

0.454

0.454

6779

0.566

0.566 6782

0.538 0.502

0.538

6783

0.467 0.443

0.467 6784

0.402 0.324 0.402

6785

0.325 0.325 6786

0.546 0.511

0.546

6787

0.533 0.487

0.533 6790

0.407 0.384 0.407

6791

0.440 0.414 0.440 6793

0.425

0.425

6794

0.404

0.404 6795

0.554 0.528

0.554

6796

0.292 0.292 6798

0.514 0.485

0.514

6801

0.512 0.498 0.498 0.498 0.512 6804

0.519 0.522

0.522

6807

1.082 1.061 0.986 0.807 0.643

1.082 6810

0.489

0.489

6811

0.502

0.502 6812

0.513 0.491

0.513

6820 1.962 1.915 1.725 1.568 1.475 1.201 0.974 0.779

1.962 6824 2.268 2.196 1.978 1.774 1.585 1.449 1.154 0.851 0.732

2.268

6825

1.567 1.516 1.366 1.110 0.890

1.567 6830 1.377 1.318 1.143 1.065 1.001 0.905 0.763 0.619 0.557

1.377

6831

0.999 0.943 0.858 0.729 0.595 0.519

0.999 6840

0.695 0.555

0.695

6850

1.393 1.264 1.128 0.943 0.786

1.393 6851

1.413 1.358 1.235 1.064 0.891 0.746

1.413

6853 2.235 2.107 1.945 1.831

2.235 6854 2.589 2.568 2.228 1.643 1.418 1.241 1.101

2.589

6855 2.215 2.149 1.622 1.498

2.215 6870 1.656 1.547 1.331 1.205 1.122 0.950 0.823

1.656

6877

0.468 0.465

0.468 6878 1.470 1.435 1.261 1.174 1.122 1.008 0.906

1.470

6880 1.942 1.931 1.681 1.487 1.366 1.209 0.960 0.773 0.681

1.942 6883

0.682 0.602

0.682

6890 1.921 1.870 1.694 1.610 1.469 1.297 1.083 0.908

1.921 6896

0.520 0.497

0.520

6897

0.660 0.547

0.660 6901

1.163 1.130

1.163

6902 1.652 1.584 1.356 1.274 1.118 0.952 0.759 0.634

1.652 6903

0.578 0.531

0.578

6905

1.037 0.957 0.824 0.686

1.037 6906

1.163 1.065 0.938

1.163

6907

0.842 0.702

0.842 6910 1.652 1.584 1.356 1.274 1.118 0.952 0.759 0.634

1.652

6001

0.541 0.521 0.541 6002

0.597 0.597

6010

0.596 0.567 0.567 0.596 6013

0.489 0.476 0.489

6016

0.728 0.728 6018

0.291 0.291

6019

0.478 0.439 0.478 6020

0.478 0.439 0.478

6021

0.299 0.299 6022

0.478 0.439 0.478

6023

0.793

0.793



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1100‐13 Ed. 06/2019


CODE >= 0 and <

0.1 Miles

>= 0.1 and < 0.25 Miles

>= 0.25

and < 0.5

Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

3 Miles

>= 3 and <

5 Miles

>= 5 and <

15 Miles

>= 15 and <

25 Miles

>= 25 and <

35 Miles

>= 35 Miles

Default

6024

0.294 0.294 6026

0.555 0.555

6027

0.359 0.359 6029

0.680 0.680

6031

0.279 0.279 6032

0.622

0.622

6033

0.732

0.732 6035

0.476 0.476

6037

0.750 0.780

0.780 6039

0.302 0.302

6040

0.712

0.712 6042

0.716 0.731 0.731

6043

0.702

0.702 6051

0.731 0.716

0.731

6052

0.705 0.702

0.705 6053

0.694

0.694

6057

0.440 0.415 0.440 6058

0.296 0.296

6059

0.478 0.439 0.478 6060

0.400 0.400

6062

0.660 0.659

0.660 6063

0.389 0.389

6065

0.352 0.352 6066

0.709 0.712 0.712

6067

0.810 0.852

0.852 6068

0.271 0.271

6069

0.301 0.301 6070

0.504 0.504

6071

0.595 0.595 6073

0.751 0.790

0.790

6074

0.735 0.735 6076

0.565 0.565

6078

0.642 0.642 6081

0.532 0.532

6082

0.658 0.658 6084

0.634 0.634

6085

0.565

0.565 6088

0.709 0.709

6089

0.532 0.532 6090

0.400 0.400

6091

0.347 0.347 6092

0.441 0.441

6093

0.550 0.550 6095

0.672 0.672

6096

0.664 0.664 6098

0.334 0.334

6101

0.741 0.731 0.741 6103

0.740

0.740

6105

0.685 0.656 0.685 6106

0.724

0.724

6107

0.641

0.641 6108

0.750 0.749 0.750

6109

0.809

0.809 6110

0.706

0.706

6111

0.740

0.740 6112

0.737 0.699 0.737

6114

0.778

0.778 6117

0.618 0.620 0.620

6118

0.775

0.775 6119

0.665

0.665

6120

0.741 0.731 0.741 6152

0.724

0.724

6199

0.664 0.664 6226

0.948 0.868

0.948

6231

0.804

0.804 6232

0.742

0.742

6234

0.860

0.860 6235

0.743

0.743

6237

0.831 0.814

0.831 6238

0.734 0.678 0.734

6239

0.852 0.887

0.887



NB Eff 10/17/2020 RB Eff 12/16/2020 HO‐1100‐14 Ed. 06/2019


CODE >= 0 and <

0.1 Miles

>= 0.1 and < 0.25 Miles

>= 0.25

and < 0.5

Miles

>= 0.5 and <

1 Miles

>= 1 and <

1.5 Miles

>= 1.5 and <

2 Miles

>= 2 and <

3 Miles

>= 3 and <

5 Miles

>= 5 and <

15 Miles

>= 15 and <

25 Miles

>= 25 and <

35 Miles

>= 35 Miles

Default

6241

0.821 0.837

0.837 6242

0.728 0.684 0.728

6243

0.821 0.837

0.837 6247

0.824 0.775

0.824

6248

0.781 0.743

0.781 6249

0.888 0.835

0.888

6250

0.792

0.792 6254

0.942

0.942

6255

0.774 0.737 0.774 6256

0.854

0.854

6259

0.808 0.735 0.808 6260

0.791 0.812

0.812

6262

0.747 0.740 0.747 6264

0.854 0.831

0.854

6266

0.955

0.955 6268

0.734 0.684 0.734

6269

0.697

0.697 6277

0.786

0.786

6278

0.703 0.643 0.703 6279

0.693 0.623 0.693

6280

0.920 0.864

0.920 6281

0.804 0.697 0.804

6282

0.690 0.690 6320 3.352 3.287 3.022 2.688 1.971 1.793 1.647

3.352

6330

0.914

0.914 6331

0.949 0.864

0.949

6333

2.514 2.355 2.178 1.648 1.280 1.043

2.514 6334

0.964 0.948

0.964

6335

1.333 1.237

1.333 6336

0.933

0.933

6338

1.106

1.106 6339

1.275 1.149

1.275

6340 3.756 3.580 3.130 2.859 2.582 2.271 1.902 1.528

3.756 6349

1.408

1.408

6351

1.089 1.042

1.089 6353

1.079

1.079

6354

0.944 0.937

0.944 6355 3.465 3.318 2.841 2.500 2.220 1.997 1.667 1.405 1.265

3.465

6357 4.265 3.824 2.932 2.540 2.298 2.042 1.689 1.441

4.265 6359

1.342 1.167

1.342

6360

1.061 1.001

1.061 6365

1.090 1.076

1.090

6370

1.015

1.015 6371 4.337 4.251 4.059 3.813 3.107 2.156 1.681 1.251 1.002

4.337

6374

1.003 0.976

1.003 6375

1.507 1.375 1.192

1.507

6377

0.900

0.900 6378 3.684 3.572 3.121 2.759 2.473 2.216 1.858 1.467 1.275

3.684

6379 3.897 3.731 3.697 3.565 3.251 2.728 1.995 1.605

3.897 6380

1.091 1.066

1.091

6382

1.153

1.153 6384

1.052 0.966

1.052

6385 3.610 3.617 3.039 2.783 2.543 2.109 1.691 1.309 1.140

3.617 6387

0.981

0.981

6401

0.709

0.709 6403

0.581

0.581

6405 2.863 2.731 2.516 2.378 2.179 1.925 1.463 1.176

2.863 6409

1.264

1.264

6410

0.670 0.650

0.670



NB Eff 10/17/2020 RB Eff 12/16/2020 Index Ed. 06/2019

RULE INDEX

Additional Amounts of Coverage A, 600‐1 Additional Fees and Credits, 175‐1 Age and Marital Status of Named Insured, 420‐1 Age of Home, 410‐1 All Other Perils Territory Relativities, 1100‐1 Base Rates, 1010‐2 Binding Authority, 105‐1 Cancellation or Reduction in Limits of Liability or

Coverage, 110‐1 Companion Policy Discount, 440‐1 Construction Definitions, 115‐1 Construction Permit Age, 450‐1 Coverage A – Dwelling, 200‐1 Coverage B – Other Structures, 210‐1 Coverage C – Personal Property, 220‐1 Coverage D – Loss of Use, 230‐1 Coverage Limits, 100‐1 Deductibles, 250‐1 Distance to Coast ZIP Code Relativities, 1100‐5 Escaped Liquid Fuel Property Remediation and

Liability Coverages, 845‐2 Fire Protective Devices Discount, 520‐1 Golf Cart – Physical Damage & Liability Coverage,

651‐1 Hip Roof Discount, 460‐1 Home Computer Coverage, 660‐1 Home Cyber Protection Coverage, 634‐3 Home System Protection, 631‐1 IBHS Discount, 470‐1 Identity Theft Expense & Resolution Services

Coverage, 671‐1 Inflation Guard, 680‐1 Inland Flood Coverage, 633‐2 Insurable Interests, 155‐1 Key Factors, 1040‐1 Limited Fungi, Wet or Dry Rot or Bacteria Coverage,

690‐1 Limited Water Back‐Up and Sump Discharge or

Overflow Coverage, 700‐1 Loss Assessment Coverage, 890‐1 Mandatory Endorsements, 180‐1 Maximum Discount, 400‐1 Minimum Premium, 120‐1

Multiple Company Insurance, 125‐1 Number of Stories, 502‐1 Numbers of Units, 570‐1 Ordinance or Law Coverage, 710‐1 Other Structures – Increased Limits, 740‐1 Other Structures Rented to Others – Residence

Premises, 750‐1 Outboard Motors & Watercraft, 760‐1 Payment Plans, 300‐2 Payment Type Discount, 310‐1 Personal Injury Coverage, 770‐1 Personal Property – Increased Special Limits of

Liability, 780‐1 Personal Property Replacement Cost Loss

Settlement, 790‐1 Personal Property Scheduled, 800‐1 Policy Form Rating Factor, 1020‐3 Policy Term, 130‐1 Premier Condominium Endorsement, 830‐1 Premier Endorsement, 810‐1 Premier Plus Endorsement, 820‐1 Premium Calculation, 135‐1 Previous Cancellations / Non‐Renewals, 140‐1 Protection Class / Construction Factors, 1030‐1 Protection Class Information, 145‐1 Rating Tier Determination, 950‐1 Refrigerated Personal Property, 840‐1 Renewal, 150‐1 Residence Held In Trust, 860‐1 Roof Age, 510‐1 Section II Limits, 240‐1 Secured Community / Theft Discount, 530‐1 Service Line, 632‐1 Short‐Term Rental / Home‐Sharing, 595‐1 Special Coverage, 870‐1 Special Loss Settlement, 641‐1 Territory Definitions, 1100‐2 Territory Definitions and Rate Factors, 1100‐1 Tier Factors, 960‐1 Transfer or Assignment, 160‐1 Unit‐Owners Rental to Others, 850‐1 Waiver of Premium, 165‐1 Wind Opening Protection, 540‐1

Documents

HOMEOWNERS PROGRAM MANUAL 1 - UPC Insurance€¦ · United Property & Casualty Insurance Company CONNECTICUT HOMEOWNER PROGRAM MANUAL 1.0 NB Eff 10/17/2020 RB Eff 12/16/2020 1 Ed