United Property & Casualty Insurance Company · 2015-08-18 · United Property & Casualty Insurance Company TEXAS HOMEOWNERS MANUAL UPC TX HO Manual 05.15.14 HO-A3-1 Ed. 5/14 RULE

United Property & Casualty

Insurance Company

HOMEOWNERS PROGRAM MANUAL

TEXAS

Effective 5/15/2014

UNITED INSURANCE MANAGEMENT, LC

Managing General Agent

United Property & Casualty Insurance Company TEXAS HOMEOWNERS MANUAL

UPC TX HO Manual

05.15.14 HO-1 Ed. 5/14

Table of Contents Company Rules

A1. Special State Requirements…………………………………………………………………………..HO-A1-1 A2. Dwelling Foundation Coverage – Forms HO 00 03 & HO 00 05 Only ....................................... HO-A2-1 A3. Water Damage Coverage – All Forms ........................................................................................ HO-A3-1 A4. Windstorm or Hail Exclusion ....................................................................................................... HO-A4-1 A5. Discounts and Surcharges .......................................................................................................... HO-A5-1 A6. Senior / Retiree Discount .......................................................................................................... HO-A6-1 A7. New Purchase Discount .............................................................................................................. HO-A7-1 A8. Secured Community / Building Discount .................................................................................... HO-A8-1 A10 Package Policy Discount .......................................................................................................... HO-A10-1 A11. Water Loss Prevention Credit ................................................................................................... HO-A11-1 A12. Identity Theft Expense And Resolution Services Coverage ..................................................... HO-A12-1 A13. Equipment Breakdown Coverage ............................................................................................. HO-A13-1 A14. Accredited Builder Discount ...................................................................................................... HO-A14-1 A15. Ultra Endorsement Forms HO 00 03 & HO 00 05 .................................................................... HO-A15-1 A16. Premier Endorsement – Forms HO 00 03 & HO 00 05 ............................................................ HO-A16-1 A17. Protector Endorsement – Forms HO 00 03 & HO 00 05 .......................................................... HO-A17-1 A18. Premium Protective Condominium Endorsement - HO 00 06 Only ........................................ HO-A18-1 A19. Wood Burning Stove Surcharge ............................................................................................... HO-A19-1 A20. Open Foundation Surcharge..................................................................................................... HO-A20-1 A21. Rented Occupied Surcharge – HO 00 06 Only......................................................................... HO-A21-1 A22. New Business Tier Criteria ....................................................................................................... HO-A22-1 A23. Tier Factor ................................................................................................................................. HO-A23-1 A24 Age of Dwelling ......................................................................................................................... HO-A24-1 A25. Animal Liability Buyback Endorsement ..................................................................................... HO-A26-1 A26. Additional Fees ......................................................................................................................... HO-A27-1

Part I – Coverage And Definition Type Rules

100. Introduction ............................................................................................................................... HO-100-1 101. Limits of Liability And Coverage Relationships ......................................................................... HO-101-1 102. Description of Coverage ........................................................................................................... HO-102-1 103. Mandatory Coverages ............................................................................................................... HO-103-1 104. Eligibility .................................................................................................................................... HO-104-1 105. Secondary Residence Premises ............................................................................................... HO-105-1 106. Protection Classification Information ........................................................................................ HO-106-1 107. Construction Definitions ............................................................................................................ HO-107-1 108. Seasonal Dwelling Definition .................................................................................................... HO-108-1 109. Single and Separate Building Definition ................................................................................... HO-109-1 110. Reserved for Future Use ........................................................................................................... HO-110-1 Part II – Servicing Type Rules

201. Policy Period ............................................................................................................................. HO-201-1 202. Changes or Cancellations ......................................................................................................... HO-202-1 203. Manual Premium Revision ........................................................................................................ HO-203-1 204. Multiple Company Insurance .................................................................................................... HO-204-1 205. Minimum Premium .................................................................................................................... HO-205-1 206. Transfer or Assignment ............................................................................................................. HO-206-1 207. Waiver of Premium ................................................................................................................... HO-207-1 208. Whole Dollar Premium Rule...................................................................................................... HO-208-1 209. Restriction of Individuals Policies ............................................................................................. HO-209-1 210. Refer to Company ..................................................................................................................... HO-210-1 211. Additional Interest ..................................................................................................................... HO-211-1 212. Reserved for Future Use ........................................................................................................... HO-212-1


UPC TX HO Manual

05.15.14 HO-2 Ed. 5/14

Part III – Base Premium Computation

301. Base Premium Computation ..................................................................................................... HO-301-1 302. Loss Settlement Options ........................................................................................................... HO-302-1 303. Ordinance or Law Coverage ..................................................................................................... HO-303-1 304. Special Personal Property Coverage HO 00 04 And HO 00 06 ............................................... HO-304-1 305. Loss History Rating Plan........................................................................................................... HO-305-1 306. Reserved for Future Use ........................................................................................................... HO-306-1 Part IV – Adjusted Base Premium Computation Rules

401. Superior Construction ............................................................................................................... HO-401-1 402. Townhouse or Row House – All Forms Except HO 00 04 and HO 00 06 ................................ HO-402-1 403. Personal Property (Coverage C) Replacement Cost Loss Settlement ..................................... HO-403-1 404. Protective Devices .................................................................................................................... HO-404-1 405. Inflation Guard – All Forms Except HO 00 04 and HO 00 06 ................................................... HO-405-1 406. Deductibles ............................................................................................................................... HO-406-1 407. Additional Amounts of Insurance .............................................................................................. HO-407-1 408. Actual Cash Value Loss Settlement Windstorm or Hail Losses to Roof Surfacing .................. HO-408-1 409. Replacement Cost Loss Settlement for Certain Non-Building Structures ................................ HO-409-1 410. Building Code Effectiveness Grading .………………………… ……………………… ……..…..HO-410-1 411. Reserved for Future Use ........................................................................................................... HO-411-1 Part V – Section I – Property – Additional Coverages and Increased Limits Rules

501. Building Additions and Alterations at Other Residences .......................................................... HO-501-1 502. Building Additions and Alterations – Increased Limits – HO 00 04 .......................................... HO-502-1 503. Business Property – Increased Limits ...................................................................................... HO-503-1 504. Credit Card, Electronic Fund Transfer Card, Access Device and Counterfeit Money .............. HO-504-1 505. Earthquake Coverage ............................................................................................................... HO-505-1 506. Fire Department Service Charge ....... …………………………………………………..………….HO-506-1 507. Form HO 00 06 – Coverage A Dwelling Basic and Increased Limits and Special Coverage .. HO-507-1 508. Form HO 00 06 – Units Regularly Rented to Others ................................................................ HO-508-1 509. Home Day Care Coverage........................................................................................................ HO-509-1 510. Permitted Incidental Occupancies Residence Premises .......................................................... HO-510-1 511. Supplemental Loss Assessment Coverage .............................................................................. HO-511-1 512. Loss of Use – Increased Limit .................................................................................................. HO-512-1 513. Ordinance or Law Increased Amount of Coverage – HO 00 04 and HO 00 06 ....................... HO-513-1 514. Other Structures ........................................................................................................................ HO-514-1 515. Personal Property ..................................................................................................................... HO-515-1 516. Personal Property - Scheduled ................................................................................................. HO-516-1 517. Rental to Others – Extended Theft Coverage........................................................................... HO-517-1 518. Sinkhole Collapse Coverage..................................................................................................... HO-518-1 519. Special Computer Coverage ..................................................................................................... HO-519-1 520. Livestock Collision Coverage .................................................................................................... HO-520-1 521. Limited Water Back-Up and Sump Discharge or Overflow Coverage ...................................... HO-521-1 522. Landlords Furnishings ............................................................................................................... HO-522-1 523. Assisted Living Care Coverage ................................................................................................ HO-523-1 524. Other Members of a Named Insured’s Household ................................................................... HO-524-1 525. Motorized Golf Cart – Physical Loss Coverage ........................................................................ HO-525-1 526. Residence Held in Trust ............................................................................................................ HO-526-1 527. Student Away from Home ......................................................................................................... HO-527-1 528. Home Business Insurance Coverage ....................................................................................... HO-528-1 529. Limited Fungi Or Microbes Coverage ....................................................................................... HO-529-1 530. Identity Fraud Expense Coverage ............................................................................................ HO-530-1 531. Limited Coverage For Theft On Personal Property Located in a Dwelling Under ConstructionHO-531-1 532. Reserved For Future Use ......................................................................................................... HO-532-1 Part VI – Section II – Additional Coverages and Increased Limits Rule


UPC TX HO Manual

05.15.14 HO-3 Ed. 5/14

601. Residence Premises – Basic and Increased Limits / Other Exposures – Basic Limits ............ HO-601-1 602. Other Insured Location Occupied By Insured ........................................................................... HO-602-1 603. Residence Employees .............................................................................................................. HO-603-1 604. Additional Residences Rented to Others .................................................................................. HO-604-1 605. Other Structures Rented to Others – Residence Premises ...................................................... HO-605-1 606. Computer-Related Damage or Injury Exclusion and Coverage Options .................................. HO-606-1 607. Home Day Care Coverage........................................................................................................ HO-607-1 608. Permitted Incidental Occupancies – Residence Premises and Other Residences .................. HO-608-1 609. Business Pursuits ..................................................................................................................... HO-609-1 610. Personal Injury .......................................................................................................................... HO-610-1 611. Incidental Low Power Recreational Motor Vehicle ................................................................... HO-611-1 612. Outboard Motors and Watercraft .............................................................................................. HO-612-1 613. Owned Snowmobile………….. ………………………………………………………………………HO-613-1 614. Farmers Personal Liability ........................................................................................................ HO-614-1 615. Incidental Farming Personal Liability ........................................................................................ HO-615-1 616. Optional Property Remediation for Escaped Liquid Fuel and Limited Lead and Escaped

Liquid Fuel Liability Coverages ................................................................................................. HO-616-1 617. Canine Liability Exclusion ......................................................................................................... HO-617-1 618. Reserved for Future Use ........................................................................................................... HO-618-1 Part VII – Section II – Liability – Other Exposures Increased Limits

701. Other Exposures – Personal Liability Increased or Reduced Limits ........................................ HO-701-1 702. Other Exposures - Medical Payments to Others Increased Limits ........................................... HO-702-1 Territory Definitions and Reference Table ................................................................................................. HO-T-1

Key Premiums HO 00 03 & HO 00 05 Key Premiums HO 00 04 Key Premiums HO 00 06


UPC TX HO Manual

05.15.14 HO-A3-1 Ed. 5/14

RULE A1. SPECIAL STATE REQUIREMENTS

A. Special Provisions Endorsement UPC 01 42

Use this endorsement with all Homeowners policies. B. Trampoline Exclusion Endorsement UPC 164

This endorsement details the exclusions of the policy with respect to a trampolines exposure. Use this endorsement with all Homeowners policies.

C. Fraud Statement IL N 001

Use this endorsement with all Homeowners policies. D. U.S. Treasury Department’s Office of Foreign Assests Control (“OFAC”) Advisory Notice to Policyholders IL P 001

Use this endorsement with all Homeowners policies. E. Privacy Notice UPC 424

Use this endorsement with all Homeowners policies. F. Duties After Loss UPC HO 184

Use this endorsement with all Homeowners policies. G. Texas Important Notice UPC 427

Use this endorsement with all Homeowners policies. H. Recreational Vehicle Exclusion UPC 230 TX

Use this endorsement with all Homeowners policies. I. Limited Home Day Care Coverage Advisory Notice to Policyholders HO P 004

Use this endorsement with all Homeowners policies. J. Consumer Bill of Rights UPC 225 TX

Use this endorsement with all Homeowners policies. K. Exclusion of Residential Community Property Clause – Texas HO 42 10

Use this endorsement with all Homeowners policies.


UPC TX HO Manual

05.15.14 HO-A3-1 Ed. 5/14

RULE A2. DWELLING FOUNDATION COVERAGE FORMS HO 00 03 AND HO 00 05 ONLY

A. Introduction

The policy does not provide coverage for loss to floor slabs or foundations caused by seepage or leakage of water.

B. Coverage Description

The policy may be endorsed to provide coverage for settling, cracking, shrinking, bulging, or expansion of foundations, floor slab or footings that support the dwelling caused by seepage or leakage of water or steam from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system. The coverage includes the cost of tearing out and replacing any part of the building necessary to repair the system from which the water or steam escaped. The loss to the system from which the water or steam escaped is not covered. The coverage is limited to 15% of the amount of insurance for Coverage A – Dwelling on the date of the loss.

C. Premium

Coverage A Amount Rate

$125,000 to $249,999 $35

$250,000 to $399,999 $50

$400,000 to $699,999 $75

Over $699,999 $100

D. Endorsement Use Foundation Coverage – Texas Endorsement HO 04 68.


UPC TX HO Manual

05.15.14 HO-A3-1 Ed. 5/14

RULE A3. WATER DAMAGE COVERAGE FORMS HO 00 03, HO 00 04, HO 00 05 AND HO 00 06

A. Introduction

The policy does not provide coverage for loss caused by seepage or leakage of water or steam. B. Coverage Description

The policy may be endorsed to provide coverage for deterioration, wet rot, or dry rot to Coverage A – Dwelling and Coverage C – Personal Property caused by constant or repeated seepage or leakage of water or steam from heating, air conditioning systems or automatic fire sprinkler systems, household appliances, or plumbing systems. The coverage includes the cost of tearing out and replacing any part of the building necessary to repair the system or appliance from which the water or steam escaped, but does not include the loss to the system or appliance from which the water of steam escaped.

C. Premium 1. Forms HO 00 03 And HO 00 05

Multiply the All Other Perils Premium by the following factors:

Territory Factor

10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 41, 42, 43, 44, 51, 52, 53, 54, 55, 101, 102, 103, 104, 105, 106, 107, 141, 142, 143, 144, 145, 146,

147, 148

1.06

21, 22, 23, 24, 25, 26, 27, 81, 82, 83, 84, 161, 169

1.05

31, 32, 33, 34, 35, 36, 121, 122, 123, 124, 125, 131, 132, 133, 134, 135, 136, 137, 151, 156, 157, 166, 171, 172, 173, 174, 181, 182, 201

1.04

61, 62, 63, 64, 111, 112, 113, 114, 115, 116, 117

1.08

071, 072, 073 1.09

091, 092, 093, 094, 095 1.27

191, 192, 193, 196 1.03

Table A3.C. Factors Rule 2. Forms HO 00 04 And HO 00 06

Multiply the previous All Other Perils rating step by a factor of 1.03. D. Endorsement

Use the following Water Damage Coverage – Texas Endorsements: 1. HO 04 67 for use with Forms HO 00 03 and HO 00 05 only; 2. HO 04 34 for use with Form HO 00 04 only; 3. HO 04 83 for use with Form HO 00 06 only.


UPC TX HO Manual

05.15.14 HO-A4-1 Ed. 5/14

RULE A4. WINDSTORM OR HAIL EXCLUSION

A. Introduction

The peril of Windstorm or Hail may be excluded for all coverages, except Coverage D – Loss of Use, when the property is located in a designated catastrophe area and is eligible for coverage through the Texas Windstorm Insurance Association. Use Windstorm Or Hail Exclusion – Texas Endorsement HO 04 70.

B. Premium

When the peril of Windstorm or Hail is excluded from under Section I of the policy, develop the Premium as follows: 1. Excludes losses from the peril of windstorm or hail in return for elimination of the wind/hail premium

charged on the policy.


UPC TX HO Manual

05.15.14 HO-A6-1 Ed. 5/14

RULE A5. Discounts and Surcharges

Discounts are applied to the Other Perils premium (unless specified otherwise) as a multiplicative factor. The maximum cumulative rate impact from all discounts and surcharges combined, including age of home, for Other Perils and Wind/Hail premium is 55%. The maximum combined rate impact from the tier factor and all discounts and surcharges is 60%.

Applies to Rules:

A6. Senior / Retiree Discount A7. New Purchase A8. Secured Community / Building Discount A10. Package Policy Discount / Flood Discount A11. Water Loss Prevention Credit A14. Accredited Builder Discount A19. Wood Burning Stove Surcharge A20. Open Foundation Surcharge A21. Rented Occupied Surcharge A23. Tier Factor A24. Age of Dwelling 404. Protective Devices


UPC TX HO Manual

05.15.14 HO-A6-1 Ed. 5/14

RULE A6. Senior / Retiree Discount [HO 00 03 & HO 00 05 Only] A 5% discount is offered to applicants who have attained age of 60, or is 55 and retired.

Discount is applied to the Other Perils and Wind/Hail premium.


UPC TX HO Manual

05.15.14 HO-A7-1 Ed. 5/14

RULE A7. New Purchase Discount [HO 00 03, HO 00 05 & HO 00 06 Only] A 15% discount is offered to homeowners who are obtaining their policy to coincide with the purchase of a home. The

discount is phased out over time (10% in Year 2, 5% in Year 3, and 0% in Year 4). A policy cannot have both the Accredited Builder and New Purchase Discount.



UPC TX HO Manual

05.15.14 HO-A8-1 Ed. 5/14

RULE A8. Secured Community / Building Discount [All Forms]

A 10% discount applied to the “other perils” premium for homes located in a neighborhood protected by 24 hour-

manned security or passkey gates protecting all entrances to community.

Discount is applied to the Other Perils.


UPC TX HO Manual

05.15.14 HO-A9-1 Ed. 5/14


UPC TX HO Manual

05.15.14 HO-A10-1 Ed. 5/14

RULE A10. Package Policy Discount [All Forms] A 5% discount is offered for an Auto companion policy and a 10% discount is offered for a Preferred Partner auto companion policy. The 5% discount applies if the policyholder has an auto policy with the agent who wrote the UPC homeowner policy. The 10% discount applies if the policyholder has an auto policy with a Preferred Partner listed on our rating system. Agent must list

auto insurance company and policy number on application. If the auto policy cancels, the Package Policy discount is removed. A 5% discount is also offered for homes with a UPC flood policy in effect. Either the Auto or Flood discount applies, not both.



UPC TX HO Manual

05.15.14 HO-A11-1 Ed. 5/14

A11. Water Loss Prevention Credit [All Forms]

A. A credit is available to insureds who can certify that the plumbing system in the insured dwelling has

been updated or checked for soundness and lack of defects. All appliances connected thereto, and the attachments between the plumbing system and the appliances, must also be checked for soundness and lack of defects.

B. This certification shall consist of invoices detailing all plumbing work performed by a licensed plumber,

or a statement from a licensed plumber that all items in A. above have been checked and are sound, in good working order, tight with no leaks, and free of defects. The plumber’s license number must be clearly shown on all invoices and/or statements.

C. This credit will apply automatically to all new homes completed in the same calendar year as the initial

effective date of the policy. In this case the plumber’s certification is waived.

D. This credit will expire after three successive policy terms unless a new certification pertaining to the continued soundness of the plumbing system is provided to the Company.

E. To develop the premium credit, multiply the previous rating step in the rating algorithm by a factor of .05.

Discount is applied to the Other Perils.


UPC TX HO Manual

05.15.14 HO-A12-1 Ed. 5/14

A12. Identity Theft Expense And Resolution Services Coverage [All Forms]

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 wronly 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. Premium per policy: Included Use Endorsement UPC 186 – Identity Theft Expense and Resolution Services Coverage.


UPC TX HO Manual

05.15.14 HO-A13-1 Ed. 5/14

A13. Equipment Breakdown Coverage – HO 00 03, HO 00 05 & HO 00 06

A. The Equipment Breakdown Coverage Endorsement provides equipment breakdown insurance to cover

equipment attached to and made part of the dwelling or other structure when perils for such equipment would have been excluded under the Homeowners policy.

B. Any risk eligible for and carrying a Homeowners policy is eligible for Equipment Breakdown coverage.

C. This coverage will be written as a separate endorsement as part of a Homeowners Policy.

Rate Per Policy: Included

Use Endorsement UPC 196 – Equipment Breakdown Coverage Endorsement.


UPC TX HO Manual

05.15.14 HO-A14-1 Ed. 5/14

A14. Accredited Builder Discount [HO 00 03 & HO 00 05 Only]

A 10% discount is offered for new homes built by established builders recognized for their volume and willingness to stand behind their product. These builders are listed on the company website. The discount is only available for new construction and not for re-sales. The discount remains on the policy at renewal. Discount is applied to the Other Perils and Wind/Hail premium.


UPC TX HO Manual

05.15.14 HO-A15-1 Ed. 5/14

A15. Ultra Endorsement – Forms HO 00 03 and HO 00 05

A. For an additional charge the Ultra Endorsement may be added to an HO 00 03 or an HO 00 05 policy. B. Coverages contained in this endorsement are:

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

interruption Special Computer Coverage – $20,000 per occurrence Refrigerated Products – loss due to power failure: $500 per occurrence Backup of Sewers, Drains or Sumps – $5,000 per occurrence (a $250 deductible applies) Lock Replacement when keys are lost or stolen – up to $500 per occurrence (no deductible applies) Additional coverage amounts: - Money increased from $ 200 to $ 500 - Securities increased from $1,500 to $ 2,000 - Credit Cards, Fund Transfer Cards, Forgery increased from $ 500 to $ 5,000 - Jewelry, Watches & Furs (including misplacing increased from $1,500 to $10,000* or losing of jewelry - $2,500 maximum per article) - Electronic Apparatus in a Motor Vehicle increased from $1,000 to $ 5,000 - Silverware, Goldware & Pewterware increased from $2,500 to $ 5,000 - Business Property On premises increased from $2,500 to $10,000 Off premises increased from $ 250 to $ 1,000 - Loss Assessment increased from $1,000 to $10,000 Personal Liability – increased to $500,000 Medical Payments to Others – increased to $5,000 for each person Personal Injury Liability Property Damage to property of others increased from $500 to $1,000 Tree Debris Removal (covered structure damage or no damage $2,000 ($500/tree)

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

Extended Theft Coverage for Residence Premises Occasionally Rented to Others. * $2,500 maximum per article.

C. To develop the premium for this option, multiply the All Other Perils and Wind Premiums by a factor of 1.20. Use Endorsement UPC 419 – Ultra Endorsement.


UPC TX HO Manual

05.15.14 HO-A17-1 Ed. 5/14

A16. Premier Endorsement – Forms HO 00 03 and HO 00 05

A. For an additional charge the Premier Endorsement may be added to an HO 00 03 or an HO 00 05 policy. B. Coverages contained in this endorsement are:

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

interruption Special Computer Coverage – $5,000 per occurrence Refrigerated Products – loss due to power failure: $500 per occurrence Backup of Sewers, Drains or Sumps – $5,000 per occurrence (a $250 deductible applies) Lock Replacement when keys are lost or stolen – up to $500 per occurrence (no deductible applies) Additional coverage amounts: Money increased from $ 200 to $ 500 Securities increased from $1,500 to $ 2,000 Credit Cards, Fund Transfer Cards, Forgery increased from $ 500 to $ 5,000 Jewelry, Watches & Furs increased from $1,500 to $ 5,000* Electronic Apparatus in a Motor Vehicle increased from $1,000 to $ 5,000 Silverware, Goldware & Pewterware increased from $2,500 to $ 5,000 Business Property On premises increased from $2,500 to $ 5,000 Off premises increased from $ 250 to $ 500 Loss Assessment increased from $1,000 to $ 3,000 Personal Liability – increased to $500,000 Medical Payments to Others – increased to $5,000 for each person Personal Injury Liability Property Damage to property of others increased from $500 to $1,000 Extended Theft Coverage for Residence Premises Occasionally Rented to Others.

* $2,500 maximum per article.

C. To develop the premium for this option, multiply the All Other Perils and Wind Premiums by a factor of 1.15. Use Endorsement UPC 420 – Premier Endorsement.


UPC TX HO Manual

05.15.14 HO-A17-1 Ed. 5/14

A17. Protector Endorsement – Forms HO 00 03 and HO 00 05

A. For a credit the Protector Endorsement may be added to an HO 00 03 or an HO 00 05 policy. B. Coverages contained in this endorsement are:

Personal Property (Coverage C) Actual Cash Value Coverage B fixed at 2% of Coverage A Decreased Coverage C to 25% of Coverage A

C. Coverages removed from the policy are: Equipment Breakdown Coverage Identity Theft Expense and Resolution Services Coverage

D. To develop the premium for this option, multiply the All Other Perils and Wind Premiums by a factor of 0.85. Use Endorsement UPC 422 – Protector Endorsement.


UPC TX HO Manual

05.15.14 HO-A18-1 Ed. 5/14

A18. Premier Protective Condominium Endorsement – HO 00 06 Only

A. For an additional charge the Premier Protective Condominium Endorsement may be added to an HO 00 06 policy.

B. Coverages contained in this endorsement are:

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

interruption Special Computer Coverage – $5,000 per occurrence Refrigerated Products – loss due to power failure: $500 per occurrence Lock Replacement when keys are lost or stolen – up to $500 per occurrence (no deductible applies) Additional coverage amounts: Money increased from $ 200 to $ 500 Securities increased from $1,500 to $ 2,000 Credit Cards, Fund Transfer Cards, Forgery increased from $ 500 to $ 5,000 Jewelry, Watches & Furs increased from $1,500 to $ 5,000 Electronic Apparatus in a Motor Vehicle increased from $1,000 to $ 5,000 Silverware, Goldware & Pewterware increased from $2,500 to $ 5,000 Business Property On premises increased from $2,500 to $10,000 Off premises increased from $ 250 to $ 1,000 Loss Assessment increased from $1,000 to $10,000 Medical Payments to Others – increased by $1,000 for each person Personal Injury Liability Property Damage to property of others increased from $500 to $1,000

C. To develop the premium for this option, multiply the All Other Perils and Wind Premiums by a factor of 1.25. Use Endorsement UPC 426 – Premier Protective Condominium Endorsement.


UPC TX HO Manual

05.15.14 HO-A19-1 Ed. 5/14

A19. Wood Burning Stove Surcharge [HO 00 03 & HO 00 05 Only] A 10% surcharge is applied to a home with a wood burning stove, pellet stove, coal stove, and/or Fireplace Insert.

Surcharge is applied to the Other Perils.


UPC TX HO Manual

05.15.14 HO-A20-1 Ed. 5/14

A20. Open Foundation Surcharge [HO 00 03 & HO 00 05 Only] A 10% surcharge is applied to a home with an open foundation.

Surcharge is applied to the Other Perils.


UPC TX HO Manual

05.15.14 HO-A21-1 Ed. 5/14

A21. Rented Occupied Surcharge [HO 00 06 Only] Risks that have any rental exposure will be rated as follows:

Rented - Occupied Factor

No 1.00

Annual Lease 1.25

Short-Term 1.40

Surcharge is applied to the Other Perils and Wind/Hail premium. Endorsement HO 17 33 Unit-Owners Rental to Others must be attached to the policy if the “Annual Lease” or “Short-Term”

option is selected.


UPC TX HO Manual

05.15.14 HO-A22-1 Ed. 5/14

A22. New Business Tier Criteria Tiered rating is utilized to broaden underwriting eligibility and properly match rate to risk. 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 policy, credit score, and paid prior claims. Proof of prior insurance in the form of a declarations page showing the prior liability limit must be retained in agent’s file. These documents will be subject to review during an audit. Paid prior claims will be used as part of the tiering placement for a period of 3 years from the date of loss. Tiering will be evaluated at each renewal. Prior claims do not include those claims caused by: natural causes or water damage that was appliance related and properly remediated, with a Certificate of Appliance-Related Water Damage Remediation, unless there have been 3 or more within the last 3 years.

Prior Liability Limit Credit Score Range

(Credit Tier)

Tier Placement by Prior Claims

0 1 2

$300,000 or Greater 876-997 (1) 6 14 15

$300,000 or Greater 826-875 (2) 7 14 16

$300,000 or Greater 801-825 (3) 7 15 17

$300,000 or Greater 776-800 (4) 8 16 18

$300,000 or Greater 751-775 (5) 9 17 19

$300,000 or Greater 726-750 (6) 11 18 20

$300,000 or Greater 701-725 (7) 13 20 22

$300,000 or Greater 676-700 (8) 15 21 23

$300,000 or Greater 651-675 (9) 16 23 25

$300,000 or Greater 626-650 (10) 17 23 25

$300,000 or Greater 601-625 (11) 17 23 25

$300,000 or Greater 576-600 (12) 18 25 28

$300,000 or Greater 551-575 (13) 19 28 28

$300,000 or Greater 000-550 (14) 22 28 28

$300,000 or Greater No Hit / No Score (15) 13 20 22

$100,000 or Less 876-997 (1) 9 17 18

$100,000 or Less 826-875 (2) 10 17 19

$100,000 or Less 801-825 (3) 10 18 20

$100,000 or Less 776-800 (4) 12 19 21

$100,000 or Less 751-775 (5) 12 20 21

$100,000 or Less 726-750 (6) 14 21 23

$100,000 or Less 701-725 (7) 16 23 25

$100,000 or Less 676-700 (8) 18 25 28

$100,000 or Less 651-675 (9) 19 25 28

$100,000 or Less 626-650 (10) 20 28 28

$100,000 or Less 601-625 (11) 20 28 28

$100,000 or Less 576-600 (12) 21 28 28

$100,000 or Less 551-575 (13) 22 28 28

$100,000 or Less 000-550 (14) 25 28 28

$100,000 or Less No Hit / No Score (15) 16 23 25

1st-time Owner – HO3, HO5 & HO6

876-997 (1) 6 14 16

1st-time Owner – HO3, HO5 & HO6 826-875 (2) 7 15 17








UPC TX HO Manual

05.15.14 HO-A22-2 Ed. 5/14







1st-time Owner – HO3, HO5 & HO6 No Hit / No Score (15) 14 21 23

No Prior Insurance – HO3, HO5 & HO6

876-997 (1) 9 17 18

No Prior Insurance – HO3, HO5 & HO6 826-875 (2) 10 17 19













No Prior Insurance – HO3, HO5 & HO6 No Hit / No Score (15) 16 23 25

No Prior Insurance – HO4

876-997 (1) 10 18 19

No Prior Insurance – HO4 826-875 (2) 11 18 20









UPC TX HO Manual

05.15.14 HO-A22-3 Ed. 5/14






No Prior Insurance – HO4 No Hit / No Score (15) 17 24 26


UPC TX HO Manual

05.15.14 HO-A22-2 Ed. 5/14


UPC TX HO Manual

05.15.14 HO-A23-1 Ed. 5/14

A23. TIER FACTOR Once tier placement is determined, use the following factors for each tier:

All Forms Except HO 00 04 And HO 00 06

Final Rating Tier Factors All Other Perils Factor Wind/Hail

1 0.485 0.485

2 0.509 0.509

3 0.534 0.534

4 0.561 0.561

5 0.589 0.589

6 0.618 0.618

7 0.644 0.644

8 0.686 0.686

9 0.700 0.700

10 0.725 0.725

11 0.750 0.750

12 0.775 0.775

13 0.875 0.875

14 0.900 0.900

15 0.950 0.950

16 1.050 1.050

17 1.150 1.150

18 1.250 1.250

19 1.325 1.325

20 1.406 1.406

21 1.487 1.487

22 1.566 1.566

23 1.669 1.669

24 1.744 1.744

25 1.818 1.818

26 1.928 1.928

27 2.046 2.046

28 2.149 2.149

29 2.256 2.256

30 2.369 2.369

HO 00 04 & HO 00 06

Tier Factors All Other Perils Factor Wind/Hail

1 0.485 1.000

2 0.509 1.000 3 0.534 1.000 4 0.561 1.000 5 0.589 1.000 6 0.618 1.000 7 0.644 1.000 8 0.686 1.000 9 0.700 1.000 10 0.725 1.000 11 0.750 1.000 12 0.775 1.000 13 0.875 1.000 14 0.900 1.000


UPC TX HO Manual

05.15.14 HO-A23-2 Ed. 5/14

15 0.950 1.000 16 1.050 1.050

17 1.150 1.150

18 1.250 1.250

19 1.325 1.325

20 1.406 1.406

21 1.487 1.487

22 1.566 1.566

23 1.669 1.669

24 1.744 1.744

25 1.818 1.818

26 1.928 1.928

27 2.046 2.046

28 2.149 2.149

29 2.256 2.256

30 2.369 2.369


UPC TX HO Manual

05.15.14 HO-A24-1 Ed. 5/14

A24. Age Of Dwelling

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


Age of Home Other Perils Wind/Hail

0 0.52 0.52

1 0.52 0.52

2 0.57 0.57

3 0.57 0.57

4 0.62 0.62

5 0.68 0.68

6 0.71 0.71

7 0.74 0.74

8 0.78 0.78

9 0.82 0.82

10 0.86 0.86

11 0.90 0.90

12 0.94 0.94

13 0.98 0.98

14 1.00 1.00

15 1.05 1.05

16 1.10 1.10

17 1.14 1.15

18 1.18 1.18

19 1.22 1.22

20 1.26 1.26

21 1.30 1.30

22 1.30 1.30

23 1.30 1.30

24 1.30 1.30

25 1.30 1.30

26 1.35 1.35

27 1.35 1.35

28 1.35 1.35

29 1.35 1.35

30 1.35 1.35

31 1.35 1.35

32 1.35 1.35

33 1.35 1.35

34 1.35 1.35

35 1.35 1.35

36 1.35 1.35

37 1.35 1.35

38 1.35 1.35

39 1.35 1.35

40 1.35 1.35

41 1.35 1.25

42 1.35 1.25

43 1.35 1.25

44 1.35 1.25

45 1.35 1.25

46 1.35 1.25

47 1.35 1.25

48 1.35 1.25

49 1.35 1.25

50 1.35 1.25

51 1.35 1.25

52 1.35 1.25


UPC TX HO Manual

05.15.14 HO-A24-2 Ed. 5/14

53 1.35 1.25

54 1.35 1.25

55 1.35 1.25

56 1.35 1.25

57 1.35 1.25

58 1.35 1.25

59 1.35 1.25

60 1.35 1.25

61 1.35 1.25

62 1.35 1.25

63 1.35 1.25

64 1.35 1.25

65 1.35 1.25

66 1.35 1.25

67 1.35 1.25

68 1.35 1.25

69 1.35 1.25

70 1.35 1.25

71 1.35 1.25

72 1.35 1.25

73 1.35 1.25

74 1.35 1.25

75+ 1.35 1.25

HO 00 04

Age of Home Other Perils

0 0.52

1 0.52

2 0.57

3 0.57

4 0.62

5 0.68

6 0.71

7 0.74

8 0.78

9 0.82

10 0.90

11 0.95

12 1.00

13 1.00

14 1.00

15 1.10

16 1.15

17 1.20

18 1.25

19 1.30

20 1.30

21 1.30

22 1.30

23 1.30

24 1.30

25 1.30

26 1.35

27 1.35

28 1.35

29 1.35

30 1.35

31 1.35

32 1.35


UPC TX HO Manual

05.15.14 HO-A24-3 Ed. 5/14

33 1.35

34 1.35

35 – 40 1.35

41 or more 1.25

HO 00 06

Age of Home Other Perils Wind / Hail

0 0.52 0.52

1 0.52 0.52

2 0.57 0.57

3 0.57 0.57

4 0.62 0.62

5 0.68 0.68

6 0.71 0.71

7 0.74 0.74

8 0.78 0.78

9 0.82 0.82

10 0.90 0.90

11 0.95 0.95

12 1.00 1.00

13 1.00 1.00

14 1.00 1.00

15 1.10 1.10

16 1.15 1.15

17 1.20 1.20

18 1.25 1.25

19 1.30 1.30

20 1.30 1.30

21 1.30 1.30

22 1.30 1.30

23 1.30 1.30

24 1.30 1.30

25 1.30 1.30

26 1.35 1.35

27 1.35 1.35

28 1.35 1.35

29 1.35 1.35

30 1.35 1.35

31 1.35 1.35

32 1.35 1.35

33 1.35 1.35

34 1.35 1.35

35 1.35 1.35

36 1.35 1.35

37 1.35 1.35

38 1.35 1.35

39 1.35 1.35

40 1.35 1.35

41 or older (up to 75 years)

1.25 1.25


UPC TX HO Manual

05.15.14 HO-A26-1 Ed. 5/14

A25. Animal Liability Buyback Endorsement This endorsement may be added at the option of the insured for the limits and premiums below. Endorsement provides that Coverage E (Personal Liability) and F (Medical Payments) applies to bodily injury or property damage caused by animals owned by the insured, provided the animals are not prohibited by our guidelines (see ineligible list). This endorsement also provides Medical Payments coverage at the same limit as chosen for regular liability coverage.

Cov E Limit Premium

$25,000 $25

$50,000 $50

Use Endorsement UPC 232 – Animal Liability Buyback Endorsement.


UPC TX HO Manual

05.15.14 HO-A27-1 Ed. 5/14

A26. Additional Fees MGA FEE

A fully earned MGA fee of $75 is charged on each policy [HO 00 03 & HO 00 05 Only].

A fully earned MGA fee of $25 is charged on each policy [HO 00 04 & HO 00 06 Only].

INSPECTION FEE

A fully earned inspection fee of $25 is charged on all HO3 / HO5 new business policies.

NON-SUFFICIENT FUNDS FEE

There is a $25 service charge on NSF checks.


UPC TX HO Manual

05.15.14 HO-100-1 Ed. 5/14

Part I COVERAGE AND DEFINITION TYPE RULES

RULE 100. INTRODUCTION

A. About The Homeowners Manual

The Homeowners Policy Program provides property and liability coverages, using the forms and endorsements specified in this Manual. This Manual contains the rules and classifications governing the writing of the Homeowners Policy. The rules, rates, forms and endorsements of the company for each coverage shall govern in all cases not specifically provided for in this Manual.

B. Manual Structure

1. Contents

The Manual is divided into two primary sections, multistate general rules and state rules and rates.

2. General Rules

These rules are grouped into the following categories:

a. Part I – Coverage And Definition Type Rules,

b. Part II – Servicing Type Rules,

c. Part III – Base Premium Computation Rules,

d. Part IV – Adjusted Base Premium Computation Rules,

e. Part V Section I – Property – Additional Coverages And Increased Limits Rules,

f. Part VI Section II – Liability – Additional Coverages And Increased Limits Rules, and

g. Part VII Section II – Liability – Other Exposures Increased Limits Rules.

3. State Rules And Rates

These rules are grouped into the following categories:

a. Exceptions and Additional Rules,

b. Special State Requirements,

c. Territory Definitions,

d. Base Class Premium Tables,

e. Classification and Key Factor Tables, and

f. Rates, Charges and Credits.

Also, where ISO does not publish any state pages containing premiums, rates, charges and credits expressed in dollars and cents, each company using this Manual should furnish its manualholders with the state rate pages containing this information.

4. Form References

The Manual refers to Forms HO 00 03, HO 00 04, HO 00 05, and HO 00 06. These Form references are identified as follows:

a. Homeowners 3 Special Form HO 00 03,

b. Homeowners 4 Contents Broad Form HO 00 04,

c. Homeowners 5 Comprehensive Form HO 00 05 and

d. Homeowners 6 Unit-Owners Form HO 00 06


UPC TX HO Manual

05.15.14 HO-101-1 Ed. 5/14

RULE 101. LIMITS OF LIABILITY AND COVERAGE RELATIONSHIPS

A. Limits

The limits of liability required under the Homeowners policy are as follows: 1. Section I – Property Damage

Coverage A Dwelling

HO 00 03 Refer to Rule 301. in the manual.

HO 00 05

HO 0 04 or HO 00 06 For HO 00 06 refer to Rule 507.A.

Coverage B – Other Structures

HO 00 03 2% of A [minimum coverage of 2% / maximum coverage of 20%]

HO 00 05

Coverage C – Personal Property

HO 00 03 50% of A [minimum coverage is 40% / maximum coverage is 70%]

HO 00 05

HO 00 04 or HO 00 06 Refer to Rule 301. In the manual

Coverage D – Loss of Use

HO 00 03 or HO 00 05 30% of A

HO 00 04 30% of C

HO 00 06 50% of C

Table 101.A.1. Property Damage Limits

2. Section II – Liability (All Forms)

Coverage E – Personal Liability and Coverage F – Medical Payments*

Refer to Rule 301. In the manual

*Unless otherwise stated, Coverage E limits apply on an “occurrence” basis; Coverage F limits apply on an “each person” basis.

Table 101.A.2. Liability Limits

B. All Forms

The limit of liability for Coverages C of Section I and E or F of Section II may be increased.

C. Form HO 00 03 Or HO 00 05

Under Coverage B of Section I, an additional amount of insurance may be written on a specific structure.

Under Coverage C of Section I, it is permissible to reduce the limit of liability to an amount not less than 40% of the limit of a one and two family dwelling; 20% of the limit of a three family dwelling; and 15% of the limit of a four family dwelling.

D. Form HO 00 06

The limit of liability for Coverage A of Section I may be increased.


UPC TX HO Manual

05.15.14 HO-102-1 Ed. 5/14

RULE 102. DESCRIPTION OF COVERAGES

The following is a general description of the coverages provided by the individual Homeowners Policy forms. The policy should be consulted for exact contract conditions.

A. Section I – Property – Perils Insured Against

Perils HO 00 03 HO 00 04

And HO 00 06

HO 00 05

Fire or Lightning Yes* Yes Yes**

Windstorm or Hail, Explosion, Riot or Civil commotion, Aircraft, Vehicles or Smoke

Yes* Yes Yes**

Vandalism or malicious mischief Yes* Yes Yes**

Theft Yes* Yes Yes**

Volcanic eruption Yes* Yes Yes**

Falling objects, Weight of Ice, snow or sleet, Accidental discharge or water or steam, Sudden and accidental tearing apart of a heating system or appliance, Freezing, Sudden accidental damage from electrical current.

Yes*

Yes Yes**

Additional risks with certain exceptions (Special Coverage) Yes*** No Yes****

* Special Coverage (Coverages A and B), Named Peril (Coverage C)

** Special Coverage (Coverages A, B and C)

*** Special Coverage (Coverages A, B and D)

**** Special Coverage (Coverages A, B, C and D)

Table 102.A. Perils Insured Against

B. Section II – Liability – All Forms

1. Coverage E – Personal Liability

Covers payment on behalf of any insured for all sums which the insured shall become legally obligated to pay as damages because of bodily injury or property damage arising out of an insured’s premises or personal activities.

2. Coverage F – Medical Payments To Others

Covers medical expenses incurred by persons, other than the insured, who sustain bodily injury caused by an accident arising out of an insured's premises or personal activities.


UPC TX HO Manual

05.15.14 HO-103-1 Ed. 5/14

RULE 103. MANDATORY COVERAGES

It is mandatory that insurance be written for all coverages provided under both Sections I and II of the Homeowners Policy.


UPC TX HO Manual

05.15.14 HO-104-1 Ed. 5/14

RULE 104. ELIGIBILITY

A. All Forms Except HO 00 04 And HO 00 06

A Homeowners Policy may be issued:

1. To the owner-occupant(s) of a 1 or 2 family dwelling which is used exclusively for private residential purposes (except as provided in Paragraphs F. and H.). A 1 family dwelling may not be occupied by more than one additional family or two roomers or boarders. In a 2 family dwelling, an individual family unit may not be occupied by more than two families or one family with two roomers or boarders; or

2. To the purchaser-occupant(s) who has entered into a long term installment contract for the purchase of the dwelling and who occupies the dwelling but to whom title does not pass from the seller until all the terms of the installment contract have been satisfied. The seller retains title until completion of the payments and in no way acts as a mortgagee. The seller’s interest in the building and premises liability may be covered using Additional Insured Endorsement – HO 04 41; or

3. To cover dwellings in the course of construction provided the policy is issued only in the name of the intended owner-occupant(s) of the dwelling.

4. When two or more apartment units in a 2 family dwelling are occupied by co-owners, each occupying distinct living quarters with separate entrances. Given these circumstances, a Homeowners Policy providing building coverage may be issued to only one of the co-owner occupants of the dwelling. The policy may be endorsed to cover the interest of the other co-owner(s) in the building and for premises liability. Use Additional Insured Endorsement HO 04 41. A separate Homeowners Policy HO 00 04 may be issued to the co-owner(s) occupying the other apartment(s) in the dwelling.

It is permissible to extend the Homeowners Policy, without additional premium charge, to cover the interest of a non-occupant joint owner in the building and for premises liability. Use Additional Insured Endorsement HO 04 41.

B. Form HO 00 04

A Homeowners Policy may be issued to:

1. The tenant(s) (non-owner) of a dwelling or an apartment situated in any building; or

2. The owner-occupant(s) of a dwelling, cooperative unit or of a building containing an apartment not otherwise eligible for a Homeowners Policy under Paragraph A.

provided the residence premises occupied by the insured is used exclusively for residential purposes (except as provided in Paragraph F.). The dwelling or apartment unit may not be occupied by more than one additional family or two boarders or roomers.

C. Form HO 00 06

A Homeowners Policy may be issued to the owner(s) of a condominium or cooperative unit which is used exclusively for residential purposes (except as provided in Paragraphs F. and H.). The unit may not be occupied by more than one additional family or two boarders or roomers.

D. Seasonal Dwelling

Subject to all other sections of this rule, a Homeowners Policy may be issued to cover a seasonal dwelling.

E. Permitted Business Occupancies

Certain business occupancies are permitted, provided:

1. The premises is occupied principally for private residential purposes, and

2. There is no other business occupancy on the premises.

When the business is conducted on the residence premises, refer to Rules 509. and 510. for Section I Coverage and Rules 607. and 608. for Section II Coverage. When it is conducted from an Other Residence, only Section II Coverage is available. Refer to Rules 607. and 608.

F. Farm Property

A Homeowners Policy shall not be issued to cover any property to which farm forms or rates apply under the rules of the company, except as noted in following paragraphs 1. And 2.: 1. Section I – Property – Livestock Collision

Coverage may be provided for loss due to collision which results in the death of covered livestock owned by an insured and kept either on or away from the residence premises as specified in Rule 520.

2. Section II Liability Coverage Certain farm liability exposures may be covered. Refer to Rules 614. And 615.

G. Residence Held in Trust (All Forms Except HO 00 04)

A Homeowners Policy may be issued to an occupant of a one- or two-family dwelling or a condominium unit when legal title to the dwelling or unit is held in trust and:

1. One of the occupants of the dwelling or condominium unit is the grantor/settlor of the trust;

2. The residence held in trust is used exclusively for residential purposes, except as provided in Paragraph F.; and


UPC TX HO Manual

05.15.14 HO-104-2 Ed. 5/14

3. No trustee of the trust is:

a. A partnership or joint venture;

b. A corporation;

c. A limited liability company;

d. An organization other than a partnership or joint venture, a corporation or a limited liability company; or

e. A licensed professional who provides ongoing professional services with respect to the profession for that individual is licensed, in connection with the administration of the trust. However, this Paragraph e. does not apply to an individual who is a relative of the grantor/settlor of the trust.

Refer to Rule 526. for the rule of application.


UPC TX HO Manual

05.15.14 HO-105-1 Ed. 5/14

RULE 105. SECONDARY RESIDENCE PREMISES

Rule 105. does not apply.


UPC TX HO Manual

05.15.14 HO-106-1 Ed. 5/14

RULE 106. PROTECTION CLASSIFICATION INFORMATION

A. Codes

For Protection Class 1 2 3 4 5 6 7 8 8B 9 10

Use Code 01 02 03 04 05 06 07 08 8B 09 10 (Ineligible)

B. Protection Information

The Protection Class listings in the Public Protection Classification manual apply to risks insured under Homeowners Program policies. Use the Protection Class of the policy to determine the Base Class Premium for the policy. 1. The protection class indicated applies in a municipality or classified area where a single class of fire

protection is available throughout (8, 7, 6, etc.). 2. In a classified area where two or more classifications are shown (e.g. 6/9), the classification is

determined as follows:

Distance to Fire Station Class

5 road miles or less with hydrant* within 1,000 feet, use first protection class (e.g. 6-9 would use Class 6)

-

5 road miles or less with hydrant* beyond 1,000 feet 9 (Ineligible)

9

Over 5 road miles 10

* Hydrant distance requirement does not apply when an alternative credible water supply is available. Refer to footnotes under specific communities in Public Protection Classification manual for applicability.

C. Protected Subdivision Rule

A dwelling located in a recognized subdivision, which is currently located in a fire protection class 9 or 10 community, will receive the rating of the responding fire department if all of the following requirements are met: 1. The subdivision is under development with recorded plat and has paved all-weather roads where

dwellings are built by licensed contractors subject to building restrictions as to type and square footage.

2. The subdivision contains at least 10 houses. 3. The subdivision is within 5 miles travel distance of a responding fire department. 4. The home is located within 1,000 feet of a standard fire hydrant, or the responding fire department

is equipped to transport an adequate water supply for fighting a fire, or the responding fire department is equipped to pump from water sources within 1,000 feet of the home.

Note: If a dwelling is located in a fire protection class 9 or 10 community and qualifies for protected subdivision rating under this rule, the application must be documented accordingly.


UPC TX HO Manual

05.15.14 HO-106-2 Ed. 5/14


UPC TX HO Manual

05.15.14 HO-107-1 Ed. 5/14

RULE 107. CONSTRUCTION DEFINITIONS

A. Frame

Exterior wall of wood or other combustible construction, including wood iron-clad, stucco on wood or plaster on combustible supports, or aluminum or plastic siding over frame.

B. Masonry Veneer

Exterior walls of combustible construction veneered with brick or stone.

C. 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 (Disregarding floors resting directly on the ground).

D. Superior Construction

1. Non-Combustible

Exterior walls and floors and roof constructed of, and supported by metal, asbestos, gypsum, or other non-combustible materials.

2. Masonry Non-Combustible

Exterior walls constructed of masonry materials (as described in Paragraph C.) and floors and roof of metal or other non-combustible materials.

3. Fire Resistive

Exterior walls and floors and roof constructed of masonry or other fire resistive materials.

E. Mixed (Masonry/Frame) A combination of both frame and masonry construction shall be classed as frame when the exterior walls of frame construction

(including gables) exceed 33 1/3% of the total exterior wall area; otherwise class as masonry.


UPC TX HO Manual

05.15.14 HO-108-1 Ed. 5/14

RULE 108. SEASONAL DWELLING DEFINITION

A seasonal dwelling is a dwelling with continuous unoccupancy of three or more consecutive months during any one year period.


UPC TX HO Manual

05.15.14 HO-109-1 Ed. 5/14

RULE 109. SINGLE AND SEPARATE BUILDINGS DEFINITION

A. Single Building

All buildings or sections of buildings which are accessible through unprotected openings shall be considered as a single building.

B. Separate Building

1. Buildings which are separated by space shall be considered separate buildings.

2. Buildings or sections of buildings which are separated by:

a. A 6 inch reinforced concrete or an 8 inch masonry party wall; or

b. A documented minimum two hour non-combustible wall which has been laboratory tested for independent structural integrity under fire conditions;

which pierces or rises to the underside of the roof and which pierces or extends to the innerside of the exterior wall shall be considered separate buildings. Accessibility between buildings with independent walls or through masonry, party walls as described shall be protected by at least a Class A Fire Door installed in a masonry wall section.


UPC TX HO Manual

05.15.14 HO-110-1 Ed. 5/14

RULES 110. – 200. RESERVED FOR FUTURE USE


UPC TX HO Manual

05.15.14 HO-201-1 Ed. 5/14

PART II SERVICING TYPE RULES

RULE 201. POLICY PERIOD

The policy may be written for a period of:

A. One year and may be extended for successive policy periods by extension certificate based upon the premiums, forms and endorsements then in effect for the company.

Rule 201.B., 201.C. and 201.D. do not apply.


UPC TX HO Manual

05.15.14 HO-202-1 Ed. 5/14

RULE 202. CHANGES OR CANCELLATIONS

A. It shall not be permissible to cancel any of the mandatory coverages in the policy unless the entire policy is cancelled.

B. If insurance is increased, cancelled or reduced, the additional or return premium shall be computed on a pro rata basis, subject to the minimum premium requirement.


UPC TX HO Manual

05.15.14 HO-203-1 Ed. 5/14

RULE 203. MANUAL PREMIUM REVISION

A manual premium revision shall be made in accordance with the following procedures:

A. The effective date of such revision shall be as announced.

B. The revision shall apply to any policy or endorsement in the manner outlined in the announcement of the revision.

C. Unless otherwise provided at the time of the announcement of the premium revision, the revision shall not affect

1. In–force policy forms, endorsements or premiums, until the policy is renewed, or

2. In the case of a Deferred Premium Payment Plan, in–force policy premiums, until the anniversary following the effective date of the revision.


UPC TX HO Manual

05.15.14 HO-204-1 Ed. 5/14

RULE 204. MULTIPLE COMPANY INSURANCE

Rule 204. does not apply. [UPC]


UPC TX HO Manual

05.15.14 HO-205-1 Ed. 5/14

RULE 205. MINIMUM PREMIUM

A. For prepaid policies a minimum annual premium shall be charged for each policy.

B. When policies are written under a premium payment plan, no payment shall be less than the minimum premium for each annual period.

C. The minimum premium may include all chargeable endorsements or coverages if written at inception of the policy.

D. Minimum premium shall be $500 for HO3 & HO5 policies and $300 for HO4 & HO6 policies.


UPC TX HO Manual

05.15.14 HO-206-1 Ed. 5/14

RULE 206. TRANSFER OR ASSIGNMENT

Subject to the consent of the company, all the rules of this Manual and any necessary adjustment of premium, a policy may be endorsed to effect:

A. Transfer to another location within the same state; or

B. Assignment from one insured to another in the event of transfer of title of the dwelling.


UPC TX HO Manual

05.15.14 HO-207-1 Ed. 5/14

RULE 207. WAIVER OF PREMIUM

A. When a policy is endorsed after the inception date, an amount of additional or return premium may be waived.

B. Amount that may be waived = $5 or less


UPC TX HO Manual

05.15.14 HO-208-1 Ed. 5/14

RULE 208. WHOLE DOLLAR PREMIUM RULE

Each premium shown on the policy and endorsements shall be rounded to the nearest whole dollar. A premium of fifty cents ($.50) or more shall be rounded to the next higher whole dollar.

In the event of cancellation by the company, the return premium may be carried to the next higher whole dollar.


UPC TX HO Manual

05.15.14 HO-209-1 Ed. 5/14

RULE 209. RESTRICTION OF INDIVIDUAL POLICIES

If a policy would not be issued because of unusual circumstances or exposures, the named insured may request a restriction of the policy provided no reduction in the premium is allowed. Such request will be referred to the company.


UPC TX HO Manual

05.15.14 HO-210-1 Ed. 5/14

RULE 210. REFER TO COMPANY

Refer to company for:

A. Rating or classifying any risk for which there is no manual rate.

B. Situations where a portion of the property and/or liability coverage is reinsured on a facultative basis.

The following rating procedure is available for the determination of the applicable premium:

1. Manual rules and rates shall apply to the portion of the property and/or liability limit(s) of liability retained by the company.

2. For any portion of the limit(s) of liability obtained by means of facultative reinsurance, the premium shall be the facultative cost for such insurance increased by a change up to but not exceeding 50% of the facultative cost.

With respect to premium developed in accordance with this Paragraph 2., the company is responsible for maintaining complete files, including all details relating to selection of the premium charge.

Whenever a risk is rated on a refer-to-company basis, each company is responsible for complying with regulatory or state rate filing or disclosure requirements.

Note

Rates shall not be inadequate, excessive or unfairly discriminatory.


UPC TX HO Manual

05.15.14 HO-211-1 Ed. 5/14

RULE 211. ADDITIONAL INTEREST

A. In addition to the mortgagee(s) shown in the Declarations or elsewhere in the policy, other persons or organizations may have an insurable interest in the residence premises. When coverage is not provided to such persons or organizations under Additional Insured Endorsement HO 04 41 or its equivalent, their interest in the residence premises may be acknowledged by naming them in the endorsement referenced in Paragraph D.

B. Such persons or organizations are entitled to receive notification if the policy is canceled or nonrenewed by the insurer.

C. No additional charge is made for use of this endorsement.

Rule 211.D. does not apply.


UPC TX HO Manual

05.15.14 HO-212-1 Ed. 5/14



UPC TX HO Manual

05.15.14 HO-302-1 Ed. 5/14

PART III BASE PREMIUM COMPUTATION

RULE 301. BASE PREMIUM COMPUTATION

The Base Premium is developed by multiplying a Key Premium by a Key Factor and rounding to the nearest whole dollar ($0.50 or more rounded to the next higher whole dollar).

A. All Forms Except HO 00 04 And HO 00 06

1. One And Two Family Dwelling

a. From the company Base Class Premium Table, select the HO 00 03 premium for the territory that applies.

b. From the Classification Tables in this Manual, select the Form and Protection – Construction Classification Factors that apply.

c. Multiply the company Base Class Premium by the Protection – Construction Classification Factor and round the result to the nearest whole dollar.

d. Multiply this result by the Form Factor and round, again, to the nearest whole dollar.

e. From the Key Factor Table in this Manual, select the Key Factor for the desired limit of liability. If the limit of liability is not shown in the tables, interpolate as illustrated in Paragraph C. of this rule.

f. Multiply the Key Premium from Paragraph e. by the Key Factor and round to the nearest whole dollar to arrive at the Base Premium.

2.Three And Four Family Dwelling

Rule does not apply.

B. Form HO 00 04 Or HO 00 06

1. From the company Base Class Premium Table, select the HO 00 04 or HO 00 06 premium for the territory that applies.

2. From the Form HO 00 04 or HO 00 06 Classification Table in this Manual, select the Protection – Construction Classification Factor that applies.

3. Multiply the company Base Class Premium by the Protection – Construction Classification Factor and round to the nearest whole dollar to arrive at the Key Premium.

4. From the Form HO 00 04 or HO 00 06 Key Factor Table in this Manual, select the Key Factor for the desired limit of liability. If the limit of liability is not shown in the tables, interpolate as illustrated in Paragraph C. of this rule.

5. Multiply the Key Premium from Paragraph 3. by the Key Factor and round to the nearest whole dollar to arrive at the Base Premium.

C. Interpolation Example

1. When the desired limit of liability is less than the highest limit shown, interpolate the Key Factors using the nearest limit above and below the desired limit, for example:

a. $203,000 desired limit; the nearest limits are $200,000 and $205,000.

b. For $200,000 the Key Factor is 2.837; for $205,000 the Key Factor is 2.937. Figure the difference between the two Key Factors and divide by 5. This provides a factor per $1,000.

2.937

- 2.837

.100 5 = .02

c. Multiply the factor per $1,000 times 3, and add 2.837; the Key Factor for $200,000.

.02

x 3

.06 + 2.837 = 2.897

d. The result, 2.897, is the Key Factor for this example.

2. The factors shown in the above interpolation example are for illustration only and are not necessarily the factors shown in the Key Factor Table of this Manual.

RULE 302. LOSS SETTLEMENT OPTIONS A. Functional Replacement Cost Loss Settlement – HO 00 03 & HO 00 05 Only

1. Introduction


UPC TX HO Manual

05.15.14 HO-302-2 Ed. 5/14

The policy provides building loss settlement on a replacement cost basis if, at the time of loss, the amount of insurance on the damaged building represents at least 80% of the full replacement cost of the building immediately before the loss.

2. Coverage Description

The policy may be endorsed to provide building loss settlement exclusively on a functional replacement cost basis if, at the time of loss, the amount of insurance on the damaged building is 80% or more of the functional replacement cost of the building immediately before the loss. Functional Replacement Cost means the amount which it would cost to repair or replace the damaged building with less costly common construction materials and methods which are functionally equivalent to obsolete, antique or custom construction materials and methods.

3. Premium Computation Develop the Base Premium in accordance with Rule 301. For the amount of insurance selected for this option.

4. Endorsement Use Functional Replacement Cost Loss Settlement Endorsement HO 05 30.

Paragraph 302.B. does not apply.

C. Special Loss Settlement – HO 00 03 And HO 00 05 Only

1. Introduction

The policy provides building loss settlement on a replacement cost basis if, at the time of loss, the amount of insurance on the damaged building represents at least 80% of the full replacement cost of the building immediately before the loss.

2. Coverage Description

This 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. 3. Premium Computation

To develop the Base Premium for the Coverage A limit of liability shown in the policy declarations: a. Multiply the Coverage A limit of liability by the appropriate factor from the following table and round to the nearest

$1,000:

% of Replacement Value Factor

50% 1.60

60% 1.33

70% 1.14

Table 302.C.3.a. Factors

b. Develop a Base Premium in accordance with Rule 301. for the amount of insurance computed in preceding Paragraph a.

c. Multiply the premium determined in preceding Paragraph b. by the appropriate factor from the following table:

% of Replacement Value Factor

50% .96

60% .97

70% .98

Table 302.C.3.c. Factors

4. Endorsement

Use Special Loss Settlement – Texas Endorsement UPC 23 02.


UPC TX HO Manual

05.15.14 HO-303-1 Ed. 5/14

RULE 303. ORDINANCE OR LAW COVERAGE

A. Basic Limit

The policy automatically provides up to 10% of the Coverage A limit of liability (or for Form HO 00 04, the Building Additions and Alterations limit) to pay for the increased costs necessary to comply with the enforcement of an ordinance or law.

B. Increased Amount Of Coverage

1. Description

The policy may be endorsed to increase the basic Ordinance or Law Coverage amount, as noted in Paragraph 2. to accommodate the increased costs known or estimated by the insured for materials and labor to repair or replace the damaged property and to demolish the undamaged portion of damaged property and clear the site of resulting debris according to the ordinance or law.

2. Premium Determination

a. Forms HO 00 03 And HO 00 05

To develop the Premium, multiply the previous premium step [All Other Perils and Wind Premiums] by the appropriate factor selected from the following table:

Percentage Of Coverage A

Increase In Amount

Total Amount

Factors

15% 25% 1.08

Table 303.B.2.a. Factors

b. Forms HO 00 04 And HO 00 06 See Rule 513. for rating instructions.

3. Endorsement

Use Ordinance Or Law – Increased Amount Of Coverage Endorsement HO 04 77.


UPC TX HO Manual

05.15.14 HO-304-1 Ed. 5/14

RULE 304. SPECIAL PERSONAL PROPERTY COVERAGE HO 00 04 AND HO 00 06

A. Coverage Description

1. Coverage C – Personal Property under Forms HO 00 04 and HO 00 06 is insured against perils named in the form. The policy may be endorsed to insure Coverage C against additional risks of physical loss subject to certain exclusions.

2. This option may only be used when:

a. For Form HO 00 04, the apartment, dwelling or cooperative unit rented to the insured is not rented or sublet to another; or

b. For Form HO 00 06, the condominium or cooperative unit is owner occupied and not rented to others.

B. Premium Computation

Multiply the Form HO 00 04 or HO 00 06 previous Premium step developed by 1.40.

C. Endorsement

1. Use Special Personal Property Coverage – Texas Endorsement UPC 05 61 for use with HO 00 04 only.

2. Use Unit-Owners – Coverage C – Special Coverage - Texas Endorsement HO 17 90 for use with HO 00 06 only.


UPC TX HO Manual

05.15.14 HO-305-1 Ed. 5/14

RULE 305. LOSS HISTORY RATING PLAN



UPC TX HO Manual

05.15.14 HO-306-1 Ed. 5/14



UPC TX HO Manual

05.15.14 HO-401-1 Ed. 5/14

RULE 401. SUPERIOR CONSTRUCTION

Rule 401. Does not apply.


UPC TX HO Manual

05.15.14 HO-402-1 Ed. 5/14

RULE 402. TOWNHOUSE OR ROW HOUSE – ALL FORMS EXCEPT HO 00 04 AND HO 00 06



UPC TX HO Manual

05.15.14 HO-403-1 Ed. 5/14

RULE 403. PERSONAL PROPERTY (COVERAGE C) REPLACEMENT COST LOSS SETTLEMENT

A. Introduction The policy provides loss settlement on an Actual Cash Value [HO 04 71] basis for certain types of property.

B. Loss Settlement Option

The policy may be endorsed to provide loss settlement on a Replacement Cost basis for such property whether insured on a blanket or scheduled basis.

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

D. Scheduled Personal Property 1. When the Scheduled Personal Property Endorsement HO 23 03 is attached to a policy with Endorsement HO 23 04,

the following property, if scheduled, will also be subject to repair or replacement cost loss settlement up to the scheduled limit of liability: a. Furs and garments trimmed with fur or consisting principally of fur; b. Cameras, projection machines, films and related articles of equipment; c. Musical equipment and related articles of equipment; d. Silverware, silver-plated ware, goldware, gold-plated ware and pewterware, but excluding pens, pencils, flasks,

smoking implements or jewelry; and e. Golfer's equipment meaning golf clubs, golf clothing and golf equipment.

2. Since the loss settlement condition in Endorsement HO 23 03 will pay the insured the least of the: a. Actual cash value of the property sustaining loss; b. The amount for which the property could be repaired or replaced; or c. The amount of insurance of the property sustaining loss;

the limit of liability that applies to each scheduled item should be carefully evaluated to ensure that the limit selected

by the insured represents the cost to replace the item if lost or damaged beyond repair. 3. Jewelry will be subject to replacement cost loss settlement or the amount of insurance.

E. Scheduled Personal Property (With Agreed Value Loss Settlement) When Scheduled Personal Property (With Agreed Value Loss Settlement) Endorsement HO 04 60 is attached to a policy with Endorsement HO 23 04, the property subject to agreed value loss settlement will not be subject to repair or

replacement cost loss settlement. F. Premium Determination

Multiply the All Other Perils and Wind Premiums including any premium adjustment for Coverage C limits by a factor of: 1. 1.10 for all forms except HO 00 04. 2. 1.25 for Forms HO 00 04.


UPC TX HO Manual

05.15.14 HO-404-1 Ed. 5/14

RULE 404. PROTECTIVE DEVICES

Approved and properly maintained installations of burglar alarms, fire alarms and automatic sprinklers in the dwelling may be recognized for a reduced premium - computed by multipling the All Other Perils Premium by the selected factors from the following table: Protective Devices Factors

Protective Devices Factors

1. Central Station Reporting Burglar Alarm .92

2. Central Station Reporting Fire Alarm .95

3. Fire Station Connected Fire Alarm .95

4. Police Station Connected Burlar Alarm .92

5. Local Burglar Alarm System .95

6. Automatic Sprinkler System

a. In all areas including attic, bathroom, closet and attached structure

.92

*Refer to company for eligibility, types or systems and devices, installations, and available credits.

Table 404.A. Protective Devices Factors

D. Endorsement Use Premises Alarm Or Fire Protection System Endorsement HO 04 16.


UPC TX HO Manual

05.15.14 HO-405-1 Ed. 5/14

RULE 405. INFLATION GUARD – ALL FORMS EXCEPT HO 00 04 AND HO 00 06


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


1. The premium is computed by multiplying the All Other Perils and Wind Premiums by the appropriate factor selected from the following table:

Amount Of Annual Increase Factor

2% Included

4% 1.02

6% 1.03

8% 1.04

Table 405.B.1. Inflation Guard Factors

C. Endorsement

Use Inflation Guard Endorsement HO 04 46.


UPC TX HO Manual

05.15.14 HO-406-1 Ed. 5/14

RULE 406. DEDUCTIBLES

All policies are subject to a deductible that applies to loss from all Section I Perils, except Earthquake.

A. Minimum Deductible

$500 Deductible.

B. Deductible combinations (Wind/Other Perils) are available with the following relativities:

The standard deductible included in the Base Rate is 1% for both Wind/Hail and Other Perils, subject to a $500 minimum deductible.


Wind-Hail / Other Perils Deductible Relativities

Coverage A Limit Deductible Amounts

500 / 500 1,000 / 1,000 1% / 1% 2% / 1% 2% / 2% 5% / 5%

Up to $50,000 1.00 0.90 1.00 0.95 0.85 0.70

$50,001 to $100,000 1.15 1.00 1.00 0.95 0.80 0.70

$100,001 to $200,000 1.25 1.15 1.00 0.92 0.80 0.65

$200,001 and $300,000 1.40 1.25 1.00 0.92 0.80 0.65

$300,001 and Over 1.50 1.40 1.00 0.90 0.80 0.60

When excluding Wind/Hail, use the following relativities:


Other Perils Deductible Relativities

Coverage A Limit Deductible Amounts

500 1,000 1% 2% 5%

Up to $50,000 1.00 0.95 1.00 0.95 0.90

$50,001 to $100,000 1.10 1.00 1.00 0.95 0.85

$100,001 to $200,000 1.20 1.10 1.00 0.92 0.80

$200,001 and $300,000 1.25 1.15 1.00 0.92 0.80

$300,001 and Over 1.30 1.25 1.00 0.90 0.80

HO 00 04

Deductible Other Perils Wind / Hail

500 1.000 1.000

1,000 0.915 0.966

2,500 0.780 0.888

HO 00 06

The standard deductible is $500 for wind/hail and other perils premium. The wind/hail deductible cannot be less than the other perils deductible.

Deductible Cov ($000’s) Other Perils Wind / Hail

500 20 - 100 0.910 0.972

1,000 20 - 100 0.830 0.925

2,500 20 - 100 0.680 0.816

1% 20 - 100 0.870 0.947

2% 20 - 100 0.780 0.884

3% 20 - 100 0.700 0.832

5% 20 - 100 0.570 0.745

500 101 - 150 0.980 0.994

1,000 101 - 150 0.890 0.962

2,500 101 - 150 0.750 0.884

1% 101 - 150 0.870 0.947

2% 101 - 150 0.750 0.884

3% 101 - 150 0.670 0.832

5% 101 - 150 0.540 0.745

500 151 – 200 1.020 1.004

1,000 151 – 200 0.940 0.980


UPC TX HO Manual

05.15.14 HO-406-2 Ed. 5/14

2,500 151 – 200 0.810 0.919

1% 151 – 200 0.870 0.947

2% 151 – 200 0.730 0.884

3% 151 – 200 0.630 0.832

5% 151 – 200 0.520 0.745

500 201 - 250 1.050 1.011

1,000 201 - 250 0.980 0.990

2,500 201 - 250 0.850 0.940

1% 201 - 250 0.870 0.947

2% 201 - 250 0.730 0.884

3% 201 - 250 0.620 0.832

5% 201 - 250 0.520 0.745

500 251 - 300 1.080 1.015

1,000 251 - 300 1.000 0.997

2,500 251 - 300 0.890 0.954

1% 251 - 300 0.870 0.947

2% 251 - 300 0.730 0.884

3% 251 - 300 0.620 0.832

5% 251 - 300 0.520 0.745

500 301 – 500 1.150 1.021

1,000 301 – 500 1.080 1.008

2,500 301 – 500 0.950 0.975

1% 301 – 500 0.870 0.947

2% 301 – 500 0.730 0.884

3% 301 – 500 0.620 0.832

5% 301 – 500 0.520 0.745

500 501 - 999 1.150 1.027

1,000 501 - 999 1.080 1.020

2,500 501 - 999 0.950 1.000

1% 501 - 999 0.870 0.947

2% 501 - 999 0.730 0.884

3% 501 - 999 0.620 0.832

5% 501 - 999 0.520 0.745

Endorsement

Use Windstorm or Hail Percentage Deductible Endorsement UPC 03 12 [when applicable].


UPC TX HO Manual

05.15.14 HO-407-1 Ed. 5/14

RULE 407. ADDITIONAL AMOUNTS OF INSURANCE – FORMS HO 00 03 AND HO 00 05

A. Introduction

The policy provides loss settlement for buildings insured under Coverage A or B on a replacement cost basis without deduction for depreciation, if, at the time of loss, the amount of insurance on the damaged building is 80% or more of the replacement cost of the building immediately before the loss.


The policy may be endorsed to provide additional insurance for Coverage A only or for Coverages A, B, C, and D when loss, to property insured under Coverage A – Dwelling, exceeds the limit of liability shown in the policy declarations.

C. Options Available

When either of the following options is selected, the Coverage A limit of liability shall be at least 100% of the full replacement cost of the property insured under Coverage A at policy inception or at the time the endorsement is added to the policy:

1. Specified Additional Amount Of Insurance For Coverage A Only a. An Additional amount of insurance equal to 25% of the Coverage A limit of liability may be selected. This additional

amount is available when loss to property insured under Coverage A – Dwelling exceeds the Coverage A limit of

liability shown in the Declarations. The additional amount cannot be applied to any other coverage nor does it increase the Coverage A limit.

b. The premium for this option is computed by multiplying the All Other Perils and Wind Premiums by the appropriate

factor selected from the following table:

Additional Amount Options

Factor

25% 1.05

Table 407.C.1.b. Additional Amounts Of Insurance Factors

c. Use Specified Additional Amount Of Insurance For Coverage A Endorsement HO 04 20.

Rule 407.C.2. does not apply.

D. Endorsement Exception

Do not use either endorsement when the Special Loss Settlement Endorsement or any other endorsement which modifies the required percentage of replacement value is attached to the policy.


UPC TX HO Manual

05.15.14 HO-408-1 Ed. 5/14

RULE 408. ACTUAL CASH VALUE LOSS SETTLEMENT WINDSTORM OR HAIL LOSSES TO ROOF SURFACING – ALL FORMS EXCEPT HO 00 04

A. Introduction

The policy provides settlement for building losses on a repair or replacement cost basis, subject to certain conditions. B. Coverage Description

The policy may be endorsed to provide loss settlement exclusively on an Actual Cash Value basis for roof surfacing when damage is caused by the peril of Windstorm Or Hail. C. Premium Determination

To develop premium for this option, multiply the Wind Premum by a factor .98 D. Endorsement

Use Actual Cash Value Loss Settlement Windstorm Or Hail Losses To Roof Surfacing - Texas (All Forms Except HO 00 04) Endorsement HO 23 05.


UPC TX HO Manual

05.15.14 HO-409-1 Ed. 5/14

RULE 409. REPLACEMENT COST LOSS SETTLEMENT FOR CERTAIN NON-BUILDING STRUCTURES – FORMS HO 00 03 AND HO 00 05



UPC TX HO Manual

05.15.14 HO-410-1 Ed. 5/14

RULE 410. BUILDING CODE EFFECTIVENESS GRADING



UPC TX HO Manual

05.15.14 HO-411-1 Ed. 5/14



UPC TX HO Manual

05.15.14 HO-501-1 Ed. 5/14

PART V SECTION I – PROPERTY – ADDITIONAL COVERAGES AND INCREASED LIMITS RULES

RULE 501. BUILDING ADDITIONS AND ALTERATIONS AT OTHER RESIDENCES – ALL FORMS


The policy may be endorsed to provide this coverage at residences, other than the residence premises, rented to an insured.


To develop the premium per $1,000 of insurance, multiply 0.028 by the HO 00 04 Key Premium.

C. Endorsement

Use Building Additions And Alterations Other Residence Endorsement HO 04 49.


UPC TX HO Manual

05.15.14 HO-502-1 Ed. 5/14

RULE 502. BUILDING ADDITIONS AND ALTERATIONS – INCREASED LIMITS – HO 00 04

A. Coverage C Increase

The limit of liability of 10% of Coverage C may be increased.


To develop the premium per $1,000 of insurance, multiply 0.028 by the HO 00 04 Key Premium.

C. Endorsement

Use Building Additions And Alterations Increased Limit Form HO 00 04 Endorsement HO 04 51.


UPC TX HO Manual

05.15.14 HO-503-1 Ed. 5/14

RULE 503. BUSINESS PROPERTY – INCREASED LIMIT

A. On-Premises

1. The $2,500 limit of liability for business property on the residence premises may be increased to $10,000 in increments of $2,500.

2. Rate per $2,500 = $25

3. The limit of liability in excess of $2,500 does not apply to:

a. Business property in storage or held as a sample or for sale or delivery after sale.

b. Business property pertaining to a business actually conducted on the residence premises.

4. The Property described in Paragraphs 3.a. and 3.b. are covered under the following optional endorsements:

a. Permitted Incidental Occupancies;

b. Home Day Care; or

c. Home Business Insurance Coverage.

B. Off–Premises

When the on-premises limit is increased, the off-premises limit of $1,500 is automatically increased, at no additional charge, to an amount that is 60 percent of the total on-premises limit of liability.

C. Endorsement Use Increased Limits On Business Property Endorsement HO 04 12.


UPC TX HO Manual

05.15.14 HO-504-1 Ed. 5/14

RULE 504. CREDIT CARD, ELECTRONIC FUND TRANSFER CARD OR ACCESS DEVICE, FORGERY AND COUNTERFEIT MONEY

A. Coverage Increase

The limit of $500 may be increased. An additional rate is to be charged.

B. Premium

Limit

$ 1,000 $ 1

2,500 3

5,000 4

7,500 5

10,000+ 6

+ For limits in excess of $10,000, refer to company.

C. Endorsement

Use Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money Coverage Increased Limit Endorsement HO 04 53.


UPC TX HO Manual

05.15.14 HO-505-1 Ed. 5/14

RULE 505. EARTHQUAKE COVERAGE



UPC TX HO Manual

05.15.14 HO-506-1 Ed. 5/14

RULE 506. FIRE DEPARTMENT SERVICE CHARGE

The limit of $500 may not be increased.


UPC TX HO Manual

05.15.14 HO-507-1 Ed. 5/14

RULE 507. FORM HO 00 06 COVERAGE A DWELLING BASIC AND INCREASED LIMITS AND SPECIAL COVERAGE – HO 00 06

A. Basic Limits

Does not apply.

B. Increased Limits Does not apply.

C. Premium Computation Does not apply.

D. Special Coverage

The Section I Perils Insured Against may be broadened to cover additional risks of loss. The additional premium is:

1. Charge per policy for $5,000 in basic form = $6

2. Rate for each add’l $1,000 of Coverage A = $1 E. Endorsement

Use Unit-Owners Coverage A Special Coverage - Texas Endorsement HO 17 91.


UPC TX HO Manual

05.15.14 HO-508-1 Ed. 5/14

RULE 508. FORM HO 00 06 UNITS REGULARLY RENTED TO OTHERS



UPC TX HO Manual

05.15.14 HO-509-1 Ed. 5/14

RULE 509. HOME DAY CARE COVERAGE



UPC TX HO Manual

05.15.14 HO-510-1 Ed. 5/14

RULE 510. PERMITTED INCIDENTAL OCCUPANCIES RESIDENCE PREMISES


Coverage for a permitted incidental occupancy is limited under Section I and excluded under Section II. The policy may be endorsed to provide expanded Section I Coverage and Section II Coverage on a permitted incidental occupancy in the dwelling or in an other structure on the residence premises. Use Permitted Incidental Occupancies (Residence Premises) Endorsement HO 04 42 for Sections I and II Coverage.

B. Permitted Incidental Occupancies

Examples of such occupancies are Offices, Schools or Studios meaning offices for business or professional purposes, and private schools or studios for music, dance, photography and other instructional purposes.

C. Other Structures

If the permitted incidental occupancy is located in an other structure, Coverage B does not apply to that structure. See Paragraph E. for charge for specific insurance on the structure.

D. Personal Property

The permitted incidental occupancies endorsement also covers personal property pertaining to the permitted incidental occupancy within the Coverage C limits stated in the declarations. If increased Coverage C limits are desired, see Rule 515.A.

E. Premium Computation

1. Section I

a. If the permitted incidental occupancy is located in the dwelling, no additional charge is made.

b. If the permitted incidental occupancy is located in an other structure, charge the amount per $1,000 of specific insurance on the structure.

c. Rate per $1,000 for business in other structure = $6

2. Section II

Refer to Rule 608. in the state company rates to develop the premium for the increased Coverages E and F exposure. Endorsement

Use Permitted Incidental Occupancies Endorsement HO 04 42.


UPC TX HO Manual

05.15.14 HO-511-1 Ed. 5/14

RULE 511. SUPPLEMENTAL LOSS ASSESSMENT COVERAGE

Provides increased coverage for assessments relating to the residence premises, the basic policy includes $1,000 coverage.

Limit Premium

$5,000 $15

$10,000 $25

Endorsement

Use Supplemental Loss Assessment Coverage Endorsement HO 04 35.


UPC TX HO Manual

05.15.14 HO-512-1 Ed. 5/14

RULE 512. LOSS OF USE – INCREASED LIMIT



UPC TX HO Manual

05.15.14 HO-513-1 Ed. 5/14

RULE 513. ORDINANCE OR LAW INCREASED AMOUNT OF COVERAGE – HO 00 04 AND HO 00 06

A. Coverage Increase

1. The basic amount of coverage may be initially increased to 100% of the Form HO 00 04 Building Additions and Alterations limit or 35% of the Form HO 00 06 Coverage A limit.

2. The amount may be further increased in 25% increments above those listed in Paragraph 1 for HO 00 04.

B. Premium Determination

1. The premium for this additional coverage is determined based on the dollar amount of increase, represented by the increased percentage amount selected above the basic limit.

2. The premium for each additional $1,000 of insurance is developed by multiplying 0.028 by .30 and then multiplying that amount by the appropriate Key Premium HO 00 04.

HO 00 06 Factor Additional Premium: 10% of Coverage A 1.07 25% of Coverage A 1.10


UPC TX HO Manual

05.15.14 HO-514-1 Ed. 5/14

RULE 514. OTHER STRUCTURES

A. On-Premises Structures

When insurance is written on a specific structure on the residence premises the rates per $1,000 of insurance shall apply separately to each structure.

1. Specific Structure – Increased Limits


2. Structure On The Residence Premises Rented To Others


B. Structures Off The Residence Premises

Rule does not apply. Coverage B –Other Structures

Insured may select desired coverage limit for other structures located on the residence premises. Other structures may not be rented to others, or used by non-related persons for residence purposes. Base rates include other structures coverage equal to 2% of Coverage A.

% Coverage A Factor

2% 1.00

10% 1.01

15% 1.06

20% 1.11


UPC TX HO Manual

05.15.14 HO-515-1 Ed. 5/14

RULE 515. PERSONAL PROPERTY

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 70% of Coverage A. Base rate includes contents coverage equal to 50% of Coverage A. This applies to HO 00 03 and HO 00 05 only.

% Coverage A Factor

40% 0.96

45% 0.98

50% 1.00

55% 1.02

60% 1.04

65% 1.07

70% 1.10

A. Increased Limit

Does not apply.

B. Increased Limits – Other Residences

Does not apply.

C. Increased Limit – Self-storage Facilities

Does not apply.

D. Reduction In Limit

Does not apply. E. Increased Special Limits Of Liability

1. 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

1. Jewelry, Watches and Furs $1,500 $6,500* Rate per $1,000 = $18

2. Money $200 $1,000 Rate per $100 = $6

3. Securities $1,500 $3,000 Rate per $100 = $4

4. Silverware, Goldware and Pewterware

$2,500 $10,000** Rate per $500 = $3.50

5. Firearms $2,500 $6,500*** Rate per $100 = $3

6. Portable Electronic Equipment in or upon a motor vehicle

or motorized $1,500 $6,000** Rate per $500 = $10

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

** Increase must be in increments of $500.

*** Increase must be in increments of $100.

Table 515.D.1. Special Limits

2. Refer to state company rates for additional charges.

3. Use Coverage C Increased Special Limits Of Liability Endorsement HO 04 65 – for all forms except as noted in Paragraph 4.

4. Use Coverage C Increased Special Limits Of Liability Endorsement UPC 04 66 for Form HO 00 05, Form HO 00 04 with Special Personal Property Coverage – Texas Endorsement UPC 05 61 and Form HO 00 06 with Unit-owners Coverage C Special Coverage – Texas Endorsement HO 17 90.

F. Refrigerated Personal Property

1. 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.

2. A deductible of $100 applies.

3. Charge per policy = $10

4. Use Refrigerated Property Coverage Endorsement HO 04 98.


UPC TX HO Manual

05.15.14 HO-515-2 Ed. 5/14

Rule 515.G. does not apply.


UPC TX HO Manual

05.15.14 HO-516-1 Ed. 5/14

RULE 516. PERSONAL PROPERTY – SCHEDULED

A. Introduction

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

B. Loss Settlement

1. Endorsement UPC 23 03 provides for standard loss settlement for all classes of property except Fine Arts and jewelry.

2. Endorsement UPC 04 60 provides for agreed value loss settlement for the following classes:

a. Cameras

b. Furs

c. Golfer's Equipment

d. Jewelry

e. Musical Instruments

f. Silverware

g. Stamps and Rare Coins

This endorsement may also be used for scheduled articles of Fine Arts.

C. Endorsements

1. Use Scheduled Personal Property Endorsement - Texas UPC 23 03 for standard loss settlement or agreed value loss settlement for fine arts.

2. Use Scheduled Personal Property (with Agreed Value Loss Settlement) Endorsement UPC 04 60 for agreed value

loss settlement.


UPC TX HO Manual

05.15.14 HO-516-2 Ed. 5/14

RULE 516. PERSONAL PROPERTY – SCHEDULED (con’t)

Coverage for schedules of personal property items may be provided, up to a maximum limit of $150,000 [or 50% of Cov. C] 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. A reappraisal must be done every five years and maintained in the insured’s file. Total schedules over $25,000 must have evidence of burglary/theft protection – a central station burglar alarm is required for total schedules over $25,000. Apply the applicable rates from the table below:

Property 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

$1.50 $2.00

Jewelry In vaults or safety deposit boxes

$1.50 $0.36

Miscellaneous Personal Property $1.00

Musical Instruments (non professional) $0.60

Other Sports Equipment $2.00

Silverware $0.45

Stamps $0.80


UPC TX HO Manual

05.15.14 HO-517-1 Ed. 5/14

RULE 517. RENTAL TO OTHERS – EXTENDED THEFT COVERAGE ALL FORMS EXCEPT HO 00 05, HO 00 04 WITH HO 05 61 OR HO 00 06 WITH HO 17 90


The policy may be endorsed to insure against loss by theft to covered property when all or part of the residence premises usually occupied by the insured is occasionally rented, in whole or in part, to others, or is regularly or occasionally rented to roomers or boarders.

B. Premium

Rate per policy = $28

C. Endorsement

Use Extended Theft Coverage For Residence Premises Occasionally Rented To Others Endorsement UPC 05 41.


UPC TX HO Manual

05.15.14 HO-519-1 Ed. 5/14

RULE 518. SINKHOLE COLLAPSE COVERAGE ALL FORMS EXCEPT HO 00 04 AND HO 00 06



UPC TX HO Manual

05.15.14 HO-519-1 Ed. 5/14

RULE 519. SPECIAL COMPUTER COVERAGE ALL FORMS EXCEPT HO 00 05, HO 00 04 WITH HO 05 61 OR HO 00 06 WITH HO 17 90


The policy may be endorsed to insure computers and related equipment against additional risks of physical loss subject to certain exclusions.

B. Premium Charge per $1,000 = $6 (up to a maximum limit of $20,000)

C. Endorsement Use Special Computer Coverage – Texas Endorsement HO 04 72.


UPC TX HO Manual

05.15.14 HO-520-1 Ed. 5/14

RULE 520. LIVESTOCK COLLISION COVERAGE Rule 520. does not apply.


UPC TX HO Manual

05.15.14 HO-521-1 Ed. 5/14

RULE 521. LIMITED WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW COVERAGE A. Coverage Description

The policy forms exclude coverage for loss resulting from water or waterborne material which backs up through sewers or drains or which overflows or is discharged from a sump, sump pump or related equipment. When the optional Limited Water Back-up And Sump Discharge Or Overflow Coverage endorsement is attached to the policy, coverage is provided with respect to direct physical loss, not caused by the negligence of an “insured” to property covered under Section I, caused by water or waterborne material which originates from within the dwelling where the named insured resides and backs up through sewers or drains or which overflows or is discharged from a sump, sump pump or related equipment. The basic limit is $5,000. The endorsement may be added for a premium of $25.

B. Endorsement

Use Limited Water Back-up and Sump Discharge Or Overflow Coverage – Texas Endorsement HO 04 69.


UPC TX HO Manual

05.15.14 HO-522-1 Ed. 5/14

RULE 522. LANDLORDS FURNISHINGS



UPC TX HO Manual

05.15.14 HO-523-1 Ed. 5/14

RULE 523. ASSISTED LIVING CARE COVERAGE



UPC TX HO Manual

05.15.14 HO-524-1 Ed. 5/14

RULE 524. OTHER MEMBERS OF A NAMED INSURED’S HOUSEHOLD

A. Introduction

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


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

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

C. Premium

1. Section I and Section II Basic Limits

Rate per person named in the Schedule = $56

2. Section II Increased Limits

Add to the basic limit Rate in Paragraph 1.:

a. For Coverage E:

Basic And Increased Coverage E Limits

$ 300,000 $ 12

$ 500,000 $ 17

Table 524.C.2.a. Coverage E Limits

b. For Coverage F:

Refer to Rule 702. For Rates for limits above $1,000

D. Endorsement

Use Other Members Of Your Household Endorsement HO 04 58.


UPC TX HO Manual

05.15.14 HO-525-1 Ed. 5/14

RULE 525. MOTORIZED GOLF CART – PHYSICAL LOSS COVERAGE


The policy may be endorsed to provide coverage for physical loss to a motorized golf cart, including permanently installed accessories, equipment and parts, owned by an insured.

Also covered, for an amount equal to 10% of the limit of the highest scheduled cart, are accessories, equipment or parts designed or made solely for the cart that are not permanently installed provided such property is at an insured's residence or in or upon the cart off the insured's residence at the time of loss.

Coverage for loss caused by collision is optional and only applies if declared on the schedule of the endorsement.

B. Eligibility

To be eligible for coverage, the motorized golf cart shall be of the type designed to carry up to four people on a golf course for the purpose of playing golf and shall not have been built, or modified after manufacture, to exceed a speed of 25 m.p.h. on level ground.

Read the endorsement for all conditions of coverage.

C. Limit Of Liability

The limit of liability shall be selected by the insured. However, that limit should be representative of the actual cash value of the motorized golf cart including any permanently installed accessories, etc.

D. Deductible

A deductible amount of $500 applies separately to each involved golf cart and, separately to Section I Property Coverages if not in or upon a golf cart at the time of loss.

The $500 deductible replaces any other deductible in the policy with respect to property covered under the endorsement.

E. Premium

Rate each cart separately using the premium per $500 of insurance. Refer to the state company rates for additional charge.

The following charge is the minimum annual premium for each motorized golf cart for any period within a policy year:

Rate per motorized golf cart without collision = $8

Rate per motorized golf cart with collision = $15

F. Endorsement

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


UPC TX HO Manual

05.15.14 HO-526-1 Ed. 5/14

RULE 526. RESIDENCE HELD IN TRUST ALL FORMS EXCEPT HO 00 04

A. Coverage

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

1. Under Section I – Property Coverages, for any insurable interest in the dwelling or other structure held in trust; and

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

B. Endorsement

1. Use Trust Endorsement HO 06 12.

2. The following must be shown in the endorsement:

a. The name and address of the Trust; and

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

3. The Trust may also be listed as an Insured if the Trust can be recognized under applicable state law as a legal entity with the capacity to sue or be sued in a court having jurisdiction.

F. Premium

Additional charges are provided for the trustee and any beneficiary and/or grantor. These charges reflect Section II – Liability basic limits.

1. Trustee

The charge for the trustee applies whether or not the trustee resides on the residence premises. Charge per policy = $24.

2. Beneficiary And/Or Grantor

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

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

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

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

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

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

For increased limits:

For Coverage E:

Refer to Rule 701. For increased limits factors.

For Coverage F.

Refer to Rule 702. For increased limits charges.


UPC TX HO Manual

05.15.14 HO-527-1 Ed. 5/14

RULE 527. STUDENT AWAY FROM HOME

A. Introduction

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

1. 24 and a relative of the named insured; or

2. 21 and in the care of the named insured or a resident relative.


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

C. Premium Determination

1. Section I and Section II Basic Limits

Rate per location = $64

2. Section II Increased Limits

Add to the basic limit Rate in Paragraph 1.:

a. For Coverage E:

Basic And Increased Coverage E Limits

$ 300,000 $ 12

$ 500,000 $ 17

Table 527.C.2.a. Coverage E Limits

D. Endorsement

Use Additional Insured – Student Living Away From The Residence Premises Endorsement HO 05 27.


For Coverage F.



UPC TX HO Manual

05.15.14 HO-528-1 Ed. 5/14

RULE 528. HOME BUSINESS INSURANCE COVERAGE



UPC TX HO Manual

05.15.14 HO-529-1 Ed. 5/14

RULE 529. LIMITED FUNGI OR MICROBES COVERAGE – ALL FORMS

The insured may select remediation coverage as described in the required notice attached to the application, subject to underwriting requirements and an underwriting review. Options are 25%, 50% or 100% of policy limits for Coverage A (Dwelling).

In order to select and be approved for mold remediation coverage, BEFORE BINDING Underwriting will require:

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

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

We reserve the right to decline the application for mold coverage if unacceptable underwriting conditions exist, such as prior water loss, poor general maintenance of the home or plumbing, or a roof in need or repair or replacement.

Rates for each option are calculated as percentages of the Base Premium [All Other Perils and Wind Premiums] before applying any discounts or surcharges.

Option 1 (0% Remediation Coverage) = No Premium Charge

Option 2 (25% Remediation Coverage) = 25%



Endorsement

Use Limited Fungi Or Microbes Coverage - Texas Endorsement HO 04 45.


UPC TX HO Manual

05.15.14 HO-530-1 Ed. 5/14

RULE 530. IDENTITY FRAUD EXPENSE COVERAGE



UPC TX HO Manual

05.15.14 HO-531-1 Ed. 5/14

RULE 531. LIMITED COVERAGE FOR THEFT OR PERSONAL PROPERTY LOCATED IN A DWELLING UNDER CONSTRUCTION



UPC TX HO Manual

05.15.14 HO-532-1 Ed. 5/14



UPC TX HO Manual

05.15.14 HO-601-1 Ed. 5/14

PART VI SECTION II – LIABILITY – ADDITIONAL COVERAGES AND INCREASED LIMITS RULES

RULE 601. RESIDENCE PREMISES – BASIC AND INCREASED LIMITS / OTHER EXPOSURES – BASIC LIMITS

A. Residence Premises

The policy form provides basic limits of $25,000 per occurrence for Coverage E – Personal Liability and $500 per person for Coverage F – Medical Payments to Others.

Coverage E - Liability

1 and 2 Family Premium

Basic And Increased Coverage E Limit

Limit Rate

$25,000 $0

50,000 $10

100,000 $15

300,000 $25

500,000 $35

Coverage F – Medical Payments

Limit Rate

$ 500 $0

1,000 $5

2,500 $8

5,000 $10

B. Other Exposures

1. There is an additional charge for Other Exposures listed in the following rules.

2. The minimum limits for Other Exposures are the same as the limits for the Residence Premises, unless otherwise stated.

3. For increased limits for Other Exposures, refer to Rules 701. and 702.

4. If increased limits are written, then the same limits must apply to the Residence Premises, unless otherwise stated.

Rule 601.C. does not apply.


UPC TX HO Manual

05.15.14 HO-602-1 Ed. 5/14

RULE 602. OTHER INSURED LOCATION OCCUPIED BY INSURED

A. Introduction

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

2. Make the appropriate charge for each other insured location shown in the Declarations of this policy. If the insured location is in another state, refer to the Manual for that state.

B. Premium

Rate per Residence:

One Family = $6

Two Family = $12


For Coverage E:


For Coverage F.



UPC TX HO Manual

05.15.14 HO-603-1 Ed. 5/14

RULE 603. RESIDENCE EMPLOYEES

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

B. For each additional residence employee = $5

C. Charges do not apply to employees working less than half of the customary full time or to whom workers’ compensation exclusion applies as stated in Section II of the policy.


UPC TX HO Manual

05.15.14 HO-604-1 Ed. 5/14

RULE 604. ADDITIONAL RESIDENCE RENTED TO OTHERS

A. Introduction

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

2. If the additional residence rented to others is in another state, refer to the Manual for that state.

B. Premium

Rate per Residence:

One Family = $10

Two Family = $16

C. Endorsement

Use Additional Residence Rented To Others Endorsement HO 24 70.


For Coverage E:


For Coverage F.



UPC TX HO Manual

05.15.14 HO-605-1 Ed. 5/14

RULE 605. OTHER STRUCTURES RENTED TO OTHERS – RESIDENCE PREMISES


1. The policy may be endorsed to provide coverage when a structure on the residence premises is rented to others for dwelling purposes.

2. Refer to Rule 514.A.2. for rating Section I Coverage.

B. Premium

Rate per Structure = $32

C. Endorsement

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


For Coverage E:


For Coverage F.



UPC TX HO Manual

05.15.14 HO-606-1 Ed. 5/14

RULE 606. COMPUTER-RELATED DAMAGE OR INJURY EXCLUSION AND COVERAGE OPTIONS



UPC TX HO Manual

05.15.14 HO-607-1 Ed. 5/14

RULE 607. HOME DAY CARE COVERAGE

Rule 607. Does not apply.


UPC TX HO Manual

05.15.14 HO-608-1 Ed. 5/14

RULE 608. PERMITTED INCIDENTAL OCCUPANCIES – RESIDENCE PREMISES AND OTHER RESIDENCES


The policy may be endorsed to provide coverage for the increased exposure arising from a permitted incidental occupancy on the residence premises or in an other residence occupied by the insured.

1. Residence Premises

Use Permitted Incidental Occupancies – Residence Premises Endorsement HO 04 42.

2. Other Residence

Use Permitted Incidental Occupancies – Other Residence Endorsement HO 24 43.

B. Premium

Rate per Residence:

1. Residence Premises = $19

2. Other Residence = $18


For Coverage E:


For Coverage F.



UPC TX HO Manual

05.15.14 HO-609-1 Ed. 5/14

RULE 609. BUSINESS PURSUITS


The policy may be endorsed to provide coverage for the liability of the insured arising out of business activities. Coverage is excluded if the insured owns the business, is a partner or maintains financial control in the business.

B. Premium

Rate per Insured Person:

1. Clerical Employees = $4

2. Sales person, Collector or Messenger – Installation, demonstration or servicing operation:

Included = $6

Excluded = $4

3. Teachers

a. Laboratory, athletic, manual or physical training = $11

b. Not otherwise classified = $5

c. Corporal punishment (add to Paragraph 3.a. or 3.b.) = $4

4. Refer to company for eligibility and rates for business activities not listed.

C. Endorsement

Use Business Pursuits Endorsement HO 24 71.


For Coverage E:


For Coverage F.



UPC TX HO Manual

05.15.14 HO-610-1 Ed. 5/14

RULE 610. PERSONAL INJURY

A. Introduction

Liability coverage for personal injury arising out of specified offenses, such as false arrest, malicious prosecution, wrongful eviction, slander or libel may be added to the policy. The limit of liability for this coverage is on an annual aggregate limit basis.

B. Premium

Rate per policy = $15

C. Endorsement

Use Personal Injury Coverage (Aggregate Limit Of Liability) Endorsement - Texas HO 24 21 for providing coverage with the limit of liability on an annual aggregate limit basis.

Refer to Rule 701. when the policy liability limit is above or below $100,000 for the factor to apply to the premium amount.


UPC TX HO Manual

05.15.14 HO-611-1 Ed. 5/14

RULE 611. INCIDENTAL LOW POWER RECREATIONAL MOTOR VEHICLE



UPC TX HO Manual

05.15.14 HO-612-1 Ed. 5/14

RULE 612. OUTBOARD MOTORS AND WATERCRAFT

A. Introduction

Coverage is included in the policy form, at no additional charge, for certain watercraft powered by an outboard engine or motor or combination of outboard engines or motors of up to 25 horsepower, and sailboats less than 26 feet in overall length with or without auxiliary power. Coverage is also included for watercraft powered by inboard or inboard-outdrive engines or motors, including those that power a water jet pump, of 50 horse power or less when not owned by an insured or more than 50 horse power when not owned by or rented to an insured.


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

a. Watercraft, up to 26 feet in length powered by outboard engines or motors exceeding 25 horsepower; or powered by inboard or inboard-outdrive engines or motors, including those that power a water jet pump.

Accumulate total horsepower if two or more engines or motors are regularly used together with any single watercraft owned by insured.

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

2. Coverage must be written to expiration of the policy. It is permissible, however, to stipulate for all watercraft eligible in this rule, the navigational period of each year. Premium shall be adjusted on a pro rata basis.

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

4. The premium in the state where the Insured's residence premises is located shall apply. However, if the insured owns another residence premises in a different state and principally operates the watercraft from that residence, apply the premium for that state.

C. Premium

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

Horsepower

Length

Up to 15 Feet Over 15 to 26 Feet

Rate Rate

UP to 50* $ 36 $ 56

51 to 100 61 81

101 to 150 86 106

151 to 200 Not Available 131

Over 200 Not Available 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.

Table 612.C.1. Outboard, Inboard, Or Inboard-Outdrive Engines Or Motors

2. Sailboats With or Without Auxiliary Power:

Overall Length/Feet Rate

26 to 40 feet* $ 36

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.

Table 612.C.2. Sailboats With Or Without Auxiliary Power

D. Endorsement

Use Watercraft Endorsement HO 24 75.


For Coverage E:


For Coverage F.



UPC TX HO Manual

05.15.14 HO-613-1 Ed. 5/14

RULE 613. OWNED SNOWMOBILE



UPC TX HO Manual

05.15.14 HO-614-1 Ed. 5/14

RULE 614. FARMERS PERSONAL LIABILITY



UPC TX HO Manual

05.15.14 HO-615-1 Ed. 5/14

615. INCIDENTAL FARMING PERSONAL LIABILITY



UPC TX HO Manual

05.15.14 HO-616-1 Ed. 5/14

RULE 616. OPTIONAL PROPERTY REMEDIATION FOR ESCAPED LIQUID FUEL AND LIMITED LEAD AND ESCAPED LIQUID FUEL LIABILITY COVERAGES



UPC TX HO Manual

05.15.14 HO-617-1 Ed. 5/14

RULE 617. CANINE LIABILITY EXCLUSION



UPC TX HO Manual

05.15.14 HO-618-1 Ed. 5/14

RULES 618. – 700.

RESERVED FOR FUTURE USE


UPC TX HO Manual

05.15.14 HO-701-1 Ed. 5/14

PART VII

SECTION II – LIABILITY – OTHER EXPOSURES

INCREASED LIMITS

RULE 701. OTHER EXPOSURES – PERSONAL LIABILITY INCREASED

Apply the appropriate factor shown in the following table to the basic limits premium for each exposure.

Limit Factor

$50,000 1.02

$100,000 1.13

$300,000 1.24

$500,000 1.35

Table 701. Personal Liability Increased Limits


UPC TX HO Manual

05.15.14 HO-702-1 Ed. 5/14

RULE 702. OTHER EXPOSURES – MEDICAL PAYMENTS TO OTHERS INCREASED LIMITS

Basic Limit Rule #

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

524. Other Members of an Insured’s Household $ 1 $ 2 $ 4

526. Residence Held in Trust All Forms Except HO 00 04 1 2 4

527. Student Away From Home 1 2 4

602. Other Insured Locations Occupied By Insured 1 2 4

603. Residence Employees 1 2 4

604. Add’l Residence Rented to Others 1 2 4

605. Other Structures Rented to Others – Residence Premises 1 2 4

608. Permitted Incidental Occupancies

1. Residence Premises 5 10 19

2. Other Residences 3 6 11

609. Business Pursuits

1. Clerical Employees 1 2 4

2. Salesperson, Installation, etc.

Included or Excluded 1 2 4

3. Teachers

a. Lab, etc. 2 4 7

b. Not otherwise classified 1 2 4

c. Corporal Punishment Medical Payments Not Available

612. Outboard Motors and Watercraft

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

a) Up to 15 feet:

Up to 50 hp. 3 6 11

51 to 100 hp. 6 12 21

101 to 150 hp. 8 16 28

151 to 200 hp. Not Available

Over 200 hp. Not Available

b) Over 15 to 26 feet:

Up to 50 hp. 4 8 14

51 to 100 hp. 6 12 21

101 to 150 hp. 8 16 28

151 to 200 hp. 12 24 42

Over 200 hp. Not Available

2. Sailboats, with or without auxiliary power

26 to 40 feet 3 6 11

Over 40 feet Not Available

Table 702. Other Exposures – Medical Payments To Others Increased Limits


UPC TX HO Manual

05.15.14 HO-T-2 Ed. 5/14

TERRITORY PAGES 1. TERRITORY DEFINITIONS -

A. Split Counties

County Territory Zip Code(s)

BEXAR

051 78015, 78023, 78052, 78163, 78231, 78248, 78253, 78254, 78255, 78256, 78257, 78258, 78259, 78260, 78261, 78266

052 78002, 78006, 78009, 78039, 78101, 78108, 78109, 78112, 78124, 78148, 78152, 78154, 78230, 78232, 78239, 78244, 78247, 78249, 78250, 78263, 78264

053 78069, 78073, 78150, 78209, 78219, 78222, 78233, 78238, 78240, 78245, 78251, 78252

054 78205, 78212, 78213, 78216, 78217, 78226, 78227, 78229, 78234, 78235, 78236, 78242

055 78201, 78202, 78203, 78204, 78207, 78208, 78210, 78211, 78214, 78215, 78218, 78220, 78221, 78223, 78224, 78225, 78228, 78237

COLLIN

041 75010, 75013, 75024, 75025, 75070, 75071, 75093, 75094

042 75002, 75023, 75034, 75035, 75075, 75078, 75166

043

75009, 75173, 75454

044 75069, 75074, 75189, 75407, 75409, 75424, 75442, 75452, 75495

DALLAS

021 75019, 75039, 75048, 75082, 75088, 75089, 75104, 75115, 75181, 75182

022 75028, 75063, 75080, 75081, 75098, 75137, 75146, 75154, 75225, 75229, 75230, 75244, 75248, 75249, 75251, 75252, 75287

023 75001, 75006, 75007, 75038, 75044, 75116, 75125, 75134, 75159, 75205, 75209, 75234, 75236, 75238, 75240

024 75040, 75041, 75043, 75067, 75114, 75141, 75149, 75172, 75180, 75214, 75218, 75232, 75233, 75241, 75253, 75254, 76051, 76065

025 75042, 75060, 75061, 75062, 75150, 75201, 75204, 75211, 75219, 75220, 75224, 75227, 75231, 75235, 75243

026 75050, 75051, 75052, 75054, 75203, 75206, 75208, 75210, 75212, 75217, 75223, 75226, 75228, 75237, 75246, 75247

027 75202, 75207, 75215, 75216

DENTON

041 76226

042 75022, 75077

043 75056, 75065, 76227, 76247, 76249, 76259, 76266, 76272

044 75057, 75068, 76201, 76205, 76207, 76208, 76209, 76210, 76258

EL PASO

071 79922, 79932

072 79821, 79835, 79836, 79849, 79904, 79912, 79924, 79927, 79928, 79934, 79935, 79936, 79938

073 79901, 79902, 79903, 79905, 79906, 79907, 79908, 79915, 79916, 79918, 79925, 79930

GALVESTON

081 77510, 77517, 77573

082 77539, 77568, 77591

083 77518, 77563, 77565, 77590

084 77550, 77551, 77554, 77617, 77623, 77650


UPC TX HO Manual

05.15.14 HO-T-3 Ed. 5/14

(Continued from above)

County Territory Zip Code(s)

HARRIS

010 77357, 77365, 77375, 77377, 77379, 77382, 77388, 77389, 77429, 77447, 77484, 77494

011 77068, 77069, 77070, 77339, 77345

012 77014, 77065, 77066, 77073, 77090, 77095, 77338, 77373, 77433, 77449, 77450, 77493

013 77040, 77064, 77079, 77084, 77094, 77336, 77346

014 77018, 77024, 77032, 77038, 77039, 77041, 77043, 77050, 77055, 77056, 77057, 77060, 77067, 77076, 77077, 77080, 77086, 77088, 77091, 77092, 77396, 77532

015

77002, 77005, 77006, 77007, 77008, 77009, 77010, 77016, 77019, 77022, 77027, 77031, 77036, 77037, 77042, 77044, 77046, 77063, 77071, 77072, 77074, 77078, 77081, 77083, 77093, 77096, 77098, 77099, 77201, 77401

016 77003, 77004, 77011, 77013, 77020, 77021, 77023, 77025, 77026, 77028, 77029, 77030, 77035, 77054, 77562

017 77012, 77015, 77017, 77033, 77045, 77047, 77048, 77049, 77051, 77053, 77061, 77087, 77469, 77477, 77502, 77489, 77504, 77506, 77530, 77547, 77587

018 77034, 77059, 77062, 77075, 77089, 77503, 77505, 77521, 77536

019 77058, 77507, 77520, 77546, 77571, 77586, 77598

JEFFERSON 104

77619, 77613, 77622, 77627, 77629, 77701, 77702, 77703, 77705, 77706, 77707, 77708, 77713

107 77640, 77642, 77651, 77655

KERR 121 78013, 78631, 78885

124 78010, 78024, 78025, 78028, 78058

MONTGOMERY

144 77304, 77355, 77362, 77378, 77384

145 77303, 77306, 77316, 77354, 77381, 77385

146 77301, 77302, 77380, 77386

NUECES

091 78330, 78339, 78343, 78351, 78380, 78406, 78409, 78410, 78413, 78417

092 78336, 78405, 78407, 78408, 78415, 78416

093 78362, 78383, 78404, 78411, 78414

094 78401, 78402, 78412

095 78373, 78374, 78418, 78419

ROCKWALL 041 75160

042 75032, 75087, 75126

TARRANT

031 76016, 76018, 76034, 76052, 76054, 76063, 76092, 76177, 76179, 76248, 76262

032 76008, 76012, 76017, 76020, 76021, 76035, 76109, 76123, 76131, 76180

033 76001, 76002, 76006, 76011, 76013, 76014, 76015, 76039, 76060, 76108, 76126, 76129, 76132, 76133, 76134, 76137, 76140, 76148

034 76010, 76022, 76028, 76031, 76053, 76059, 76071, 76116, 76118, 76135

035 76107, 76115, 76120, 76155

036 76040, 76102, 76103, 76104, 76105, 76106, 76110, 76111, 76112, 76114, 76117, 76119

TRAVIS

061 78610, 78612, 78615, 78620, 78621, 78634, 78641, 78652, 78654, 78664, 78665, 78717, 78726, 78730, 78731, 78732, 78733, 78734, 78735, 78736, 78737, 78738, 78739, 78746, 78747, 78750

062 78645, 78660, 78669, 78703, 78725, 78727, 78728, 78729, 78748, 78749, 78756, 78759

063 78613, 78617, 78653, 78719, 78724, 78754

064 78701, 78702, 78704, 78705, 78712, 78721, 78722, 78723, 78741, 78742, 78744, 78745, 78751, 78752, 78753, 78757, 78758


UPC TX HO Manual

05.15.14 HO-T-4 Ed. 5/14

B. Remainder of Counties

County Territory County Territory County Territory

ANDERSON 142 COTTLE 181 HAYS 133 ANDREWS 156 CRANE 156 HEMPHILL 201 ANGELINA 142 CROCKETT 151 HENDERSON 142

ARANSAS 106 CROSBY 181 HIDALGO 114 ARCHER 196 DALLAM 201 HILL 161 ARMSTRONG 201 DAWSON 181 HOCKLEY 181

ATASCOSA 124 DE WITT 137 HOOD 161 AUSTIN 136 DEAF SMITH 201 HOPKINS 172 BAILEY 181 DELTA 172 HOUSTON 142

BANDERA 123 DICKENS 181 HOWARD 156 BASTROP 133 DIMMIT 121 HUDSPETH 151 BAYLOR 196 DONLEY 201 HUNT 173

BEE 113 DUVAL 125 HUTCHINSON 201 BELL 136 EASTLAND 161 IRION 156 BLANCO 132 ECTOR 157 JACK 191

BORDEN 181 EDWARDS 123 JACKSON 117 BOSQUE 161 ELLIS 143 JASPER 148 BOWIE 172 ERATH 161 JEFF DAVIS 151

BRAZORIA 101 FALLS 134 JIM HOGG 125 BRAZOS 135 FANNIN 173 JIM WELLS 113 BREWSTER 151 FAYETTE 134 JOHNSON 161

BRISCOE 181 FISHER 181 JONES 196 BROOKS 113 FLOYD 181 KARNES 136 BROWN 161 FOARD 196 KAUFMAN 173

BURLESON 133 FORT BEND 115 KENDALL 131 BURNET 132 FRANKLIN 172 KENEDY 104 CALDWELL 133 FREESTONE 142 KENT 181

CALHOUN 107 FRIO 122 KIMBLE 131 CALLAHAN 166 GAINES 181 KINNEY 121 CAMERON 102 GARZA 181 KLEBERG 104

CAMP 172 GILLESPIE 131 KNOX 196 CARSON 201 GLASSCOCK 156 LA SALLE 122 CASS 171 GOLIAD 112 LAMAR 173

CASTRO 181 GONZALES 135 LAMB 181 CHAMBERS 104 GRAY 201 LAMPASAS 132 CHEROKEE 142 GRAYSON 174 LAVACA 137

CHILDRESS 181 GREGG 141 LEE 133 CLAY 196 GRIMES 143 LEON 142 COCHRAN 181 GUADALUPE 133 LIBERTY 115

COKE 156 HALE 181 LIMESTONE 142 COLEMAN 166 HALL 181 LIPSCOMB 201 COLLINGSWORTH 201 HAMILTON 161 LIVE OAK 111

COLORADO 137 HANSFORD 201 LLANO 132 COMAL 132 HARDEMAN 196 LUBBOCK 182 COMANCHE 161 HARDIN 113 LYNN 181

CONCHO 166 HARRISON 171 MADISON 142 COOKE 193 HARTLEY 201 MARION 171 CORYELL 134 HASKELL 196 MARTIN 156


UPC TX HO Manual

05.15.14 HO-T-5 Ed. 5/14

(continued from above)

County Territory County Territory

MASON 131 SCURRY 181 MATAGORDA 105 SHACKELFORD 196 MAVERICK 121 SHELBY 142

MCCULLOCH 166 SHERMAN 201 MCLENNAN 169 SMITH 141 MCMULLEN 125 SOMERVELL 161

MEDINA 122 STARR 125 MENARD 131 STEPHENS 191 MIDLAND 157 STERLING 156

MILAM 133 STONEWALL 181 MILLS 161 SUTTON 151 MITCHELL 156 SWISHER 181

MONTAGUE 192 TAYLOR 166 MOORE 201 TERRELL 151 MORRIS 172 TERRY 181

MOTLEY 181 THROCKMORTON 196 NACOGDOCHES 142 TITUS 172 NAVARRO 142 TOM GREEN 157

NEWTON 148 TRINITY 142 NOLAN 156 TYLER 146 OCHILTREE 201 UPSHUR 171

OLDHAM 201 UPTON 156 ORANGE 117 UVALDE 121 PALO PINTO 191 VAL VERDE 122

PANOLA 141 VAN ZANDT 172 PARKER 192 VICTORIA 115 PARMER 181 WALKER 143

PECOS 151 WALLER 147 POLK 146 WARD 156 POTTER 201 WASHINGTON 134

PRESIDIO 151 WEBB 122 RAINS 172 WHARTON 116 RANDALL 201 WHEELER 201

REAGAN 156 WICHITA 196 REAL 123 WILBARGER 196 RED RIVER 172 WILLACY 101

REEVES 151 WILLIAMSON 133 REFUGIO 103 WILSON 131 ROBERTS 201 WINKLER 156

ROBERTSON 134 WISE 192 RUNNELS 166 WOOD 172 RUSK 142 YOAKUM 181

SABINE 143 YOUNG 191 SAN AUGUSTINE 143 ZAPATA 123 SAN JACINTO 148 ZAVALA 121

SAN PATRICIO 102 SAN SABA 133 SCHLEICHER 151


UPC TX HO Manual

05.15.14 HO-T-6 Ed. 5/14

RULE 301. TERRITORY PREMIUM COMPUTATION

A. ALL FORMS EXCEPT HO 00 04 & HO 00 06 2. Key Factor Table

1. Classification Tables a. One And Two Family

Form Factor

Form Factors

HO 00 03 1.00

HO 00 05 1.25

Table 301.A1.a.#2 Protection Construction Factors

COVERAGE A AMOUNT *** in

000 Factor

COVERAGE A AMOUNT *** in 000 Factor

$75 0.800 290 1.653

80 0.813 295 1.677

85 0.827 300 1.700

90 0.840 305 1.724

95 0.853 310 1.747

100 0.867 315 1.770

105 0.880 320 1.793

110 0.893 325 1.816

115 0.907 330 1.839

120 0.920 335 1.862

125 0.933 340 1.885

130 0.947 345 1.908

135 0.960 350 1.931

140 0.973 355 1.954

145 0.987 360 1.977

150 1.000 365 2.000

155 1.023 370 2.023

160 1.047 375 2.046

165 1.070 380 2.069

170 1.093 385 2.092

175 1.117 390 2.115

180 1.140 395 2.138

185 1.163 400 2.161

190 1.187 405 2.184

195 1.210 410 2.207

200 1.233 415 2.230

205 1.257 420 2.253

210 1.280 425 2.276

215 1.303 430 2.299

220 1.327 435 2.322

225 1.350 440 2.345

230 1.373 445 2.368

235 1.397 450 2.391

240 1.420 455 2.413

245 1.443 460 2.436

250 1.467 465 2.459

255 1.490 470 2.483

260 1.513 475 2.506

265 1.537 480 2.529

270 1.560 485 2.552

275 1.583 490 2.575

280 1.607 495 2.598

285 1.630 500 2.621

Each Add’l $1,000 .00467

Minimum Limits Of Liability

**Section I - Property HO 00 03 & HO 00 05

Primary Location -

Secondary Location -

Section II - Liability All Forms

Personal Liability $25,000

Medical Payment to Others $500


UPC TX HO Manual

05.15.14 HO-T-7 Ed. 5/14

PROTECTION CLASS / CONSTRUCTION Use the following factors for other perils premium Territory Base Rates [HO 00 03 & HO 00 05 Only]

Territory Other Peril Wind/Hail

10 $372 $999

11 $382 $1,062

12 $350 $1,106

13 $385 $1,120

14 $335 $1,298

15 $363 $1,487

16 $382 $1,713

17 $406 $1,677

18 $336 $2,027

19 $377 $3,585

21 $451 $564

22 $461 $559

23 $377 $512

24 $424 $535

25 $414 $519

26 $387 $552

27 $624 $555

31 $401 $637

32 $403 $594

33 $453 $583

34 $403 $583

35 $372 $595

36 $419 $563

41 $339 $674

42 $408 $665

43 $306 $609

44 $323 $612

51 $344 $319

52 $427 $327

53 $388 $341

54 $385 $332

55 $331 $351

61 $281 $466

62 $288 $466

63 $303 $461

64 $320 $442

71 $290 $69

72 $310 $65

73 $268 $67

81 $291 $2,614

82 $346 $3,059

83 $355 $4,324

Protection Construction Factors

Protection Class

Construction

Frame Masonry Masonry Veneer Superior

1 1.06 1.00 1.00 1.00

2 1.06 1.00 1.00 1.00

3 1.06 1.00 1.00 1.00

4 1.06 1.00 1.00 1.00

5 1.06 1.00 1.00 1.00

6 1.16 1.05 1.05 1.05

7 1.19 1.05 1.05 1.05

8 1.30 1.20 1.20 1.20

8B 1.40 1.25 1.25 1.25

9 1.40 1.25 1.25 1.25

10 2.00 1.50 1.50 1.50


UPC TX HO Manual

05.15.14 HO-T-8 Ed. 5/14

84 $411 $6,157

91 $408 $1,524

92 $371 $1,981

93 $389 $2,445

94 $374 $3,107

95 $440 $4,172

101 $342 $2,006

102 $331 $1,798

103 $355 $1,401

104 $457 $1,612

105 $438 $2,408

106 $297 $3,624

107 $531 $2,599

111 $305 $696

112 $338 $838

113 $395 $956

114 $322 $510

115 $335 $1,558

116 $335 $1,709

117 $541 $1,474

121 $290 $179

122 $262 $204

123 $268 $258

124 $284 $348

125 $336 $340

131 $249 $355

132 $309 $380

133 $246 $427

134 $338 $490

135 $268 $579

136 $286 $475

137 $252 $831

141 $376 $469

142 $450 $507

143 $507 $531

144 $411 $922

145 $388 $922

146 $505 $940

147 $436 $1,088

148 $658 $883

151 $352 $137

156 $389 $292

157 $349 $296

161 $430 $576

166 $311 $390

169 $366 $497

171 $526 $442

172 $502 $457

173 $547 $550

174 $553 $506

181 $315 $381

182 $301 $418

191 $496 $498

192 $455 $541

193 $417 $516

196 $412 $518

201 $327 $455


UPC TX HO Manual

05.15.14 HO-T-9 Ed. 5/14


B. Form HO 00 04 2. Key Factor Table

Protection Construction factors

Protection Class

Construction

Frame Masonry* Superior

1 1.06 1.00 0.90

2 1.06 1.00 0.90

3 1.06 1.00 0.90

4 1.06 1.00 0.90

5 1.06 1.00 0.90

6 1.16 1.05 0.95

7 1.19 1.05 0.95

8 1.30 1.20 1.10

8B 1.40 1.25 1.15

9 1.40 1.25 1.15

10 2.00 1.50 1.40

* Masonry Veneer is rated as Masonry.

Use the following factors for wind/hail premium:

Type Factor

Frame 1.21

Masonry 1.00

Superior 0.85

NUMBER OF FLOORS ABOVE UNIT Use the following factors for:

Floors Above Unit Other Wind / Hail

0 0.90 1.00

1 1.00 1.00

2 1.05 1.00

3+ 1.10 1.00

HO 00 04 Other Perils Base Rate & Territory Relativities

Base Rate = $93 Territory Relativity Territory Relativity Territory Relativity

10 1.165 62 0.708 125 0.921

11 0.892 63 0.953 131 0.844

12 1.128 64 0.881 132 0.883

13 1.224 71 0.934 133 0.735

14 1.166 72 0.811 134 0.904

15 1.145 73 0.800 135 0.779

16 1.196 81 0.901 136 1.320

17 1.291 82 1.068 137 0.981

18 1.254 83 0.925 141 0.933

19 1.196 84 0.971 142 1.061

21 0.807 91 1.074 143 1.120

22 0.917 92 1.134 144 1.140

23 1.069 93 1.128 145 0.780

24 1.351 94 1.006 146 0.998

25 1.052 95 0.917 147 1.156

26 1.357 101 1.082 148 1.216

27 1.189 102 1.043 151 0.839

31 0.960 103 1.026 156 0.853

32 0.890 104 1.459 157 0.649

33 0.917 105 1.009 161 0.930

34 0.852 106 0.981 166 0.846

35 1.037 107 1.311 169 0.807

36 1.265 111 0.928 171 1.008

COVERAGE C Limit

Factor Other Perils

Factor Wind /

Hail

10,000 0.515 0.286

15,000 0.605 0.429

20,000 0.704 0.571

25,000 0.821 0.714

30,000 0.907 0.857

35,000 1.000 1.000

40,000 1.100 1.143

45,000 1.200 1.286

50,000 1.300 1.419

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

For HO4 coverage amounts greater than $80,000, use the following formulas to determine the limit factor.

Other Perils: 1 + 0.7 x (Cov C limit – 35,000) / 35,000

Wind / Hail: Cov C limit / 35,000

Minimum Limits of Liability

**Section I – Property

-

Section II - Liability




UPC TX HO Manual

05.15.14 HO-T-10 Ed. 5/14

41 0.503 112 0.937 172 1.264

42 0.830 113 1.163 173 1.167

43 0.983 114 1.197 174 1.001

44 0.755 115 0.787 181 0.905

51 0.815 116 0.876 182 1.056

52 1.090 117 1.529 191 0.984

53 1.006 121 1.049 192 1.154

54 1.304 122 1.097 193 0.933

55 1.328 123 0.921 196 1.045

61 0.699 124 0.806 201 0.771

HO 00 04 Wind/Hail Base Rate & Territory Relativities

Base Rate = $52 Zip Code Relativity Zip Code Relativity Zip Code Relativity

75001 0.714 76564 0.610 78225 0.241

75002 0.890 76565 0.508 78226 0.636

75006 0.948 76566 0.499 78227 0.276

75007 0.759 76567 0.368 78228 0.239

75008 0.945 76569 0.502 78229 0.360

75009 0.929 76570 0.525 78230 0.378

75010 0.709 76571 0.775 78231 0.301

75013 0.877 76573 0.484 78232 0.378

75019 0.997 76574 0.520 78233 0.514

75020 0.965 76577 0.863 78234 0.305

75021 0.830 76578 0.439 78235 0.328

75022 1.192 76579 0.585 78236 0.396

75023 0.979 76621 0.576 78237 0.215

75024 0.947 76622 0.623 78238 0.284

75025 1.149 76623 0.644 78239 0.297

75028 0.631 76624 0.804 78240 0.212

75032 0.769 76626 0.616 78241 0.348

75034 0.862 76627 0.586 78242 0.278

75035 1.057 76628 0.622 78243 0.348

75038 1.032 76629 0.468 78244 0.340

75039 0.790 76630 0.553 78245 0.508

75040 0.675 76631 0.662 78247 0.396

75041 0.760 76632 0.545 78248 0.284

75042 0.998 76633 0.605 78249 0.220

75043 0.534 76634 0.873 78250 0.246

75044 0.676 76635 0.764 78251 0.355

75048 1.078 76636 0.832 78252 0.265

75050 0.847 76637 0.520 78253 0.234

75051 1.084 76638 0.631 78254 0.244

75052 0.975 76639 0.916 78255 0.288

75056 1.181 76640 0.489 78256 0.307

75057 0.721 76641 0.683 78257 0.306

75058 0.688 76642 0.524 78258 0.501

75060 0.738 76643 0.557 78259 0.331

75061 0.772 76644 0.622 78260 0.405

75062 0.726 76645 0.579 78261 0.389

75063 0.931 76648 0.483 78262 0.317

75065 0.917 76649 0.516 78263 0.294

75067 1.143 76650 0.622 78264 0.262

75068 0.908 76651 0.624 78266 0.358

75069 0.879 76652 0.593 78284 0.388

75070 0.561 76653 0.413 78285 0.388

75071 0.926 76654 0.562 78330 2.351

75074 1.006 76655 0.664 78332 0.811

75075 0.982 76656 0.576 78335 3.094

75076 0.964 76657 0.511 78336 6.051

75077 0.743 76660 0.523 78338 1.818

75078 0.907 76661 0.462 78339 2.351

75080 1.084 76664 0.507 78340 4.570

75081 0.888 76665 0.739 78341 0.457

75082 0.871 76666 0.554 78342 0.942

75087 0.889 76667 0.488 78343 1.737

75088 0.826 76670 0.572 78344 0.202


UPC TX HO Manual

05.15.14 HO-T-11 Ed. 5/14

75089 0.679 76671 0.673 78349 0.477

75090 1.096 76673 0.740 78350 0.467

75092 0.809 76675 0.604 78351 2.351

75093 1.154 76676 0.474 78352 3.094

75094 0.726 76677 0.604 78353 1.059

75097 0.945 76678 0.489 78355 0.821

75098 0.813 76679 0.511 78357 0.319

75101 0.644 76680 0.556 78358 6.592

75102 0.580 76681 0.587 78359 3.094

75103 0.707 76682 0.474 78360 0.367

75104 0.645 76684 0.562 78361 0.416

75105 0.471 76685 0.604 78362 5.260

75109 0.411 76686 0.496 78363 1.209

75110 0.503 76687 0.468 78368 1.135

75114 0.658 76689 0.642 78369 0.146

75115 0.979 76690 0.636 78370 2.373

75116 0.810 76691 0.603 78371 0.279

75117 0.562 76692 0.531 78372 1.126

75118 0.704 76693 0.425 78373 10.351

75119 0.730 76701 0.528 78374 4.181

75121 0.884 76702 0.562 78375 0.794

75123 0.829 76703 0.562 78376 0.260

75124 0.592 76704 0.659 78377 1.575

75125 0.593 76705 0.507 78379 1.631

75126 0.650 76706 0.560 78380 1.660

75127 0.664 76707 0.625 78381 6.592

- - 76708 0.518 78382 6.592

75132 0.586 76710 0.637 78383 1.197

75135 0.828 76711 0.417 78384 0.567

75137 0.750 76712 0.508 78385 2.401

75140 0.567 76801 0.344 78387 1.784

75141 0.725 76802 0.620 78389 1.140

75142 0.685 76820 0.359 78390 2.921

75143 0.618 76821 0.371 78391 1.308

75144 0.378 76823 0.557 78393 1.775

75146 0.576 76824 0.344 78401 5.937

75147 0.582 76825 0.260 78402 7.467

75148 0.639 76827 0.432 78404 6.116

75149 0.779 76828 0.405 78405 3.789

75150 0.596 76831 0.492 78406 2.824

75152 0.996 76832 0.293 78407 3.817

75153 0.416 76834 0.317 78408 3.324

75154 0.767 76836 0.451 78409 2.823

75155 0.792 76837 0.404 78410 1.919

75156 0.439 76841 0.352 78411 5.150

75157 0.704 76842 0.421 78412 5.902

75158 0.593 76844 0.582 78413 2.814

75159 0.765 76845 0.391 78414 3.563

75160 0.594 76848 0.270 78415 3.356

75161 0.714 76849 0.369 78416 3.026

75163 0.594 76852 0.370 78417 2.694

75164 0.945 76853 0.537 78418 7.571

75165 0.514 76854 0.219 78419 7.362

75166 0.647 76855 0.603 78470 5.935

75167 0.587 76856 0.303 78471 5.935

75169 0.567 76857 0.444 78473 3.379

75172 0.540 76858 0.273 78474 5.935

75173 0.850 76859 0.305 78475 5.935

75180 0.825 76861 0.427 78476 5.935

75181 0.539 76862 0.279 78477 5.935

75182 0.653 76864 0.426 78478 5.935

75189 0.589 76865 0.372 78501 0.736

75201 0.717 76866 0.292 78503 0.666

75202 0.495 76867 0.603 78504 0.929

75203 0.705 76869 0.385 78516 0.918

75204 0.713 76870 0.537 78520 2.268

75205 0.638 76871 0.453 78521 2.453


UPC TX HO Manual

05.15.14 HO-T-12 Ed. 5/14

75206 0.914 76872 0.376 78526 2.972

75207 0.541 76873 0.417 78535 3.094

75208 0.998 76874 0.170 78536 0.542

75209 0.863 76875 0.472 78537 1.025

75210 0.632 76877 0.297 78538 1.404

75211 0.816 76878 0.311 78539 1.037

75212 0.756 76880 0.420 78540 0.922

75214 0.780 76882 0.269 78541 0.852

75215 0.580 76883 0.179 78543 0.922

75216 0.859 76884 0.256 78545 0.457

75217 0.681 76885 0.422 78547 0.518

75218 0.750 76886 0.397 78548 0.660

75219 0.494 76887 0.384 78549 1.143

75220 0.614 76888 0.477 78550 1.852

75223 1.217 76890 0.637 78552 1.596

75224 0.896 76901 0.448 78557 0.664

75225 0.597 76903 0.518 78558 0.922

75226 0.546 76904 0.312 78559 1.612

75227 0.866 76905 0.352 78560 0.635

75228 0.787 76908 0.272 78561 2.876

75229 0.838 76930 0.244 78562 0.922

75230 0.559 76932 0.351 78563 0.885

75231 0.564 76933 0.318 78564 0.270

75232 0.711 76934 0.280 78565 0.922

75233 0.965 76935 0.264 78566 2.826

75234 0.959 76936 0.335 78567 3.094

75235 0.623 76937 0.224 78568 3.094

75236 0.792 76939 0.397 78569 1.772

75237 0.747 76940 0.461 78570 1.327

75238 0.558 76941 0.325 78572 0.726

75239 0.740 76943 0.163 78573 0.712

75240 0.989 76945 0.274 78574 0.718

75241 0.670 76949 0.732 78575 2.295

75242 0.709 76950 0.206 78576 0.922

75243 0.791 76951 0.344 78577 1.157

75244 0.950 76953 0.505 78578 9.605

75246 0.707 76955 0.267 78579 0.922

75247 0.925 76957 0.262 78580 1.534

75248 0.762 76958 0.397 78582 0.522

75249 0.742 77002 1.360 78583 2.697

75251 0.728 77003 1.258 78584 0.264

75252 0.636 77004 1.026 78585 0.457

75253 0.637 77005 1.224 78586 1.669

75254 0.536 77006 1.305 78588 0.554

75258 0.709 77007 1.061 78589 0.960

75260 0.709 77008 1.110 78590 2.471

75270 0.709 77009 1.151 78591 0.551

75287 1.060 77010 1.324 78592 3.094

75295 0.709 77011 1.552 78593 1.530

75342 0.709 77012 1.694 78594 2.343

75398 0.709 77013 1.356 78595 0.604

75401 0.900 77014 1.138 78596 1.217

75402 0.556 77015 1.479 78597 14.946

75407 0.666 77016 1.276 78598 8.283

75409 1.245 77017 1.441 78599 0.922

75410 0.987 77018 1.073 78602 0.344

75411 0.665 77019 1.102 78604 0.508

75412 0.590 77020 1.170 78605 0.426

75413 0.704 77021 1.122 78606 0.372

75414 0.726 77022 1.350 78607 0.272

75415 0.539 77023 1.286 78608 0.418

75416 0.898 77024 1.184 78609 0.399

75417 1.128 77025 1.212 78610 0.309

75418 1.089 77026 1.264 78611 0.429

75420 0.981 77027 1.031 78612 0.520

75421 0.786 77028 1.310 78613 0.847

75422 0.885 77029 1.370 78614 0.425


UPC TX HO Manual

05.15.14 HO-T-13 Ed. 5/14

75423 0.671 77030 1.177 78615 0.448

75424 0.776 77031 1.139 78616 0.453

75425 0.704 77032 1.165 78617 0.329

75426 0.675 77033 1.316 78618 0.261

75428 0.690 77034 1.866 78619 0.343

75431 0.912 77035 1.373 78620 0.309

75432 0.877 77036 1.164 78621 0.383

75433 0.862 77037 1.464 78622 0.484

75434 0.704 77038 1.126 78623 0.503

75435 0.683 77039 1.242 78624 0.295

75436 0.628 77040 1.303 78626 0.420

75437 0.659 77041 1.066 78628 0.505

75438 0.737 77042 1.121 78629 0.548

75439 0.712 77043 1.178 78630 0.484

75440 0.759 77044 1.447 78631 0.288

75441 0.730 77045 1.441 78632 0.399

75442 0.765 77046 1.046 78634 0.533

75443 0.704 77047 1.697 78635 0.339

75444 0.730 77048 1.897 78636 0.392

75446 0.860 77049 1.630 78638 0.288

75447 1.006 77050 1.239 78639 0.310

75448 0.684 77051 1.212 78640 0.368

75449 0.624 77053 2.043 78641 0.344

75450 0.574 77054 1.254 78642 0.394

75451 0.811 77055 1.156 78643 0.407

75452 0.815 77056 1.113 78644 0.402

75453 0.491 77057 1.059 78645 0.320

75454 0.729 77058 3.913 78646 0.484

75455 0.927 77059 2.830 78648 0.406

75457 1.048 77060 1.071 78650 0.386

75458 0.704 77061 1.443 78652 0.367

75459 1.144 77062 2.615 78653 0.469

75460 0.695 77063 1.136 78654 0.290

75462 0.703 77064 1.181 78655 0.315

75468 0.729 77065 0.860 78656 0.394

75469 0.924 77066 1.045 78657 0.313

75470 0.641 77067 1.104 78658 0.508

75471 0.883 77068 1.117 78659 0.394

75472 0.582 77069 0.954 78660 0.463

75473 0.779 77070 0.988 78661 0.484

75474 0.673 77071 1.093 78662 0.368

75475 0.704 77072 1.174 78663 0.340

75476 0.634 77073 1.155 78664 0.553

75477 0.618 77074 1.193 78666 0.317

75478 0.671 77075 1.866 78669 0.413

75479 0.806 77076 1.144 78670 0.484

78480 0.615 77077 1.127 78671 0.407

75481 0.587 77078 1.506 78672 0.317

75482 0.713 77079 1.265 78673 0.484

75485 0.945 77080 1.244 78674 0.484

75486 0.517 77081 1.021 78675 0.318

75487 0.604 77082 1.129 78676 0.737

75488 0.654 77083 1.383 78677 0.457

75489 0.940 77084 1.120 78681 0.467

75490 0.970 77085 1.371 78691 0.495

75491 0.780 77086 1.054 78701 0.491

75492 0.733 77087 1.241 78702 0.337

75493 0.711 77088 1.039 78703 0.573

75494 0.846 77089 1.957 78704 0.353

75495 0.893 77090 1.008 78705 0.450

75496 0.725 77091 1.391 78710 0.432

75497 0.603 77092 1.162 78712 0.428

75501 0.785 77093 1.172 78717 0.654

75503 0.456 77094 1.135 78719 0.413

75550 0.694 77095 1.086 78721 0.484

75551 0.738 77096 1.307 78722 0.427

75554 0.894 77097 1.201 78723 0.327


UPC TX HO Manual

05.15.14 HO-T-14 Ed. 5/14

75555 0.675 77098 1.318 78724 0.408

75556 0.542 77099 1.085 78725 0.419

75558 0.783 77301 0.825 78726 0.569

75559 0.767 77302 0.850 78727 0.529

75560 0.606 77303 0.699 78728 0.456

75561 0.517 77304 0.565 78729 0.632

75562 0.592 77306 0.718 78730 0.314

75563 0.583 77316 0.535 78731 0.619

75564 0.592 77318 0.584 78732 0.386

75565 0.592 77320 0.644 78733 0.453

75566 0.767 77326 0.794 78734 0.353

75567 0.515 77327 0.910 78735 0.340

75568 0.754 77328 0.804 78736 0.441

75569 0.516 77331 0.836 78737 0.653

75570 1.023 77332 0.794 78738 0.431

75571 0.685 77334 0.644 78739 0.794

75572 0.464 77335 0.535 78741 0.547

75573 0.730 77336 1.486 78742 0.572

75574 0.675 77337 1.201 78744 0.473

75601 0.794 77338 1.223 78745 0.325

75602 0.510 77339 1.091 78746 0.492

75603 1.083 77340 0.627 78747 0.397

75604 0.547 77345 0.916 78748 0.265

75605 0.770 77346 1.369 78749 0.480

75630 0.461 77350 0.794 78750 0.642

75631 0.397 77351 0.722 78751 0.494

75633 0.613 77354 0.947 78752 0.478

75636 0.730 77355 0.577 78753 0.363

75637 0.593 77356 0.656 78754 0.550

75638 0.685 77357 0.942 78756 0.636

75639 0.576 77358 0.645 78757 0.597

75640 0.641 77359 0.535 78758 0.588

75641 0.593 77360 0.411 78759 0.644

75642 0.592 77362 0.554 78801 0.201

75643 0.570 77363 0.511 78827 0.255

75644 0.708 77364 0.728 78828 0.187

75645 1.054 77365 0.932 78829 0.169

75647 0.497 77367 0.644 78830 0.098

75650 0.512 77368 1.410 78832 0.282

75651 0.685 77369 1.410 78833 0.180

75652 0.462 77371 0.667 78834 0.236

75654 0.623 77372 0.777 78836 0.254

75656 0.589 77373 0.797 78837 0.160

75657 0.682 77374 0.942 78838 0.247

75658 0.496 77375 0.880 78839 0.169

75659 0.592 77376 0.942 78840 0.207

75660 0.593 77377 0.841 78841 0.279

75661 0.472 77378 0.640 78842 0.279

75662 0.405 77379 1.088 78843 0.275

75666 0.496 77380 0.901 78850 0.167

75667 0.439 77381 0.641 78851 0.199

75668 0.539 77382 0.533 78852 0.329

75668 0.630 77384 0.586 78860 0.254

75670 0.460 77385 0.760 78861 0.238

75672 0.531 77386 0.954 78870 0.161

75680 0.496 77388 1.225 78871 0.279

75681 0.723 77389 0.779 78872 0.158

75682 0.796 77396 1.106 78873 0.237

75683 0.587 77401 1.147 78877 0.367

75684 0.487 77406 1.243 78879 0.212

75685 0.593 77412 0.784 78880 0.287

75868 0.786 77414 2.864 78881 0.173

75687 0.575 77415 3.693 78883 0.209

75688 0.592 77417 1.600 78884 0.209

75689 0.815 77418 0.596 78885 0.221

75691 0.542 77419 2.704 78886 0.193

75692 0.630 77420 1.961 78931 0.854


UPC TX HO Manual

05.15.14 HO-T-15 Ed. 5/14

75693 0.540 77422 3.213 78932 0.519

75694 0.592 77423 1.121 78933 0.792

75701 0.507 77426 0.764 78934 0.992

75702 0.419 77428 3.693 78935 0.753

75703 0.625 77429 1.032 78938 0.586

75704 0.660 77430 2.244 78940 0.594

75705 0.784 77431 2.876 78941 0.485

75706 0.567 77432 2.538 78942 0.556

75707 0.468 77433 1.008 78943 0.784

75708 0.660 77434 0.892 78944 0.685

75709 0.667 77435 1.281 78945 0.775

75750 0.459 77436 1.766 78946 0.594

75751 0.550 77437 1.818 78947 0.561

75752 0.584 77440 3.558 78948 0.459

75754 0.587 77441 1.350 78949 0.501

75755 0.459 77442 0.882 78950 0.666

75756 0.510 77443 1.766 78951 0.784

75757 0.543 77444 2.429 78952 0.604

75758 0.661 77445 0.697 78953 0.430

75759 0.496 77446 0.894 78954 0.478

75760 0.551 77447 0.932 78956 0.586

75762 0.462 77448 1.766 78957 0.443

75763 0.527 77449 1.073 78959 0.424

75764 0.496 77450 0.895 78960 0.604

75765 0.528 77451 1.140 78961 0.604

75766 0.436 77452 0.610 78962 0.779

75770 0.510 77453 1.766 78963 0.665

75771 0.890 77454 1.766 79001 0.277

75772 0.496 77455 1.863 79002 0.720

75773 0.667 77456 2.756 79003 0.720

75778 0.881 77457 8.901 79005 1.110

75779 0.496 77458 2.473 79007 0.808

75780 0.496 77459 1.569 79008 0.720

75782 0.496 77460 0.784 79009 0.509

75783 0.609 77461 2.137 79011 0.672

75784 0.407 77462 1.766 79012 0.720

75785 0.508 77463 2.876 79013 0.720

75788 0.496 77464 1.410 79014 0.941

75789 0.448 77465 5.976 79015 0.467

75790 0.777 77466 0.894 79018 0.524

75791 0.564 77467 1.766 79019 0.728

75792 0.552 77468 2.178 79021 0.557

75801 0.463 77469 1.361 79022 0.507

75803 0.393 77470 0.784 79024 0.720

75831 0.543 77471 1.498 79025 0.720

75832 0.496 77473 0.610 79027 0.407

75833 0.304 77474 0.890 79029 0.582

75834 0.496 77475 0.784 79031 0.386

75835 0.453 77476 1.410 79032 0.557

75838 0.586 77477 1.299 79033 0.720

75839 0.418 77478 1.197 79034 0.892

75840 0.789 77479 1.607 79035 0.404

75844 0.806 77480 2.724 79036 0.972

75845 0.525 77481 1.410 79039 0.530

75846 0.439 77482 2.322 79040 0.623

75847 0.500 77483 4.033 79041 0.885

75848 0.496 77484 0.881 79042 0.557

75849 0.496 77485 1.236 79043 0.541

75850 0.480 77486 2.874 79044 0.532

75851 0.373 77487 1.410 79045 0.412

75852 0.593 77488 1.746 79046 0.885

75853 0.961 77489 1.410 79051 0.720

75855 0.437 77493 1.106 79052 0.573

75856 0.352 77494 1.146 79053 0.557

75858 0.496 77496 1.410 79054 0.720

75859 0.567 77497 1.410 79056 0.817

75860 0.366 77502 1.783 79057 0.546


UPC TX HO Manual

05.15.14 HO-T-16 Ed. 5/14

75861 0.676 77503 2.059 79058 1.161

75862 0.743 77504 1.880 79059 0.697

75865 0.496 77505 2.384 79061 0.962

75901 0.452 77506 1.687 79062 0.533

75904 0.412 77507 4.389 79063 0.551

75925 0.453 77510 3.544 79064 0.545

75926 0.323 77511 2.785 79065 1.066

75928 0.766 77514 4.887 79066 0.720

75929 0.498 77515 3.486 79068 0.643

75930 0.382 77516 2.876 79070 1.312

75931 0.406 77517 2.822 79072 0.657

75932 0.432 77518 11.034 79077 0.720

75933 0.617 77519 1.021 79078 0.720

75934 0.794 77520 2.916 79079 0.931

75935 0.310 77521 2.537 79080 0.703

75936 0.421 77530 2.150 79081 0.896

75937 0.401 77531 4.271 79082 0.591

75938 0.569 77532 1.772 79083 0.634

75939 0.545 77533 1.410 79084 0.447

75941 0.366 77534 4.144 79085 0.521

75942 0.794 77535 1.711 79086 0.517

75943 0.415 77536 2.575 79087 0.521

75944 0.496 77538 2.249 79088 0.509

75946 0.632 77539 5.358 79091 0.720

75947 0.644 77541 7.626 79092 0.646

75948 0.549 77542 2.876 79093 0.720

75949 0.429 77545 1.963 79094 0.618

75951 0.466 77546 2.238 79095 0.842

75954 0.423 77547 1.555 79096 0.930

75956 0.699 77550 10.613 79097 0.467

75958 0.496 77551 9.941 79098 0.573

75959 0.489 77554 14.806 79101 0.935

75960 0.851 77560 2.800 79102 0.722

75961 0.371 77561 1.410 79103 0.483

75964 0.487 77562 2.628 79104 0.625

75965 0.400 77563 6.003 79106 0.568

75966 0.751 77564 1.131 79107 0.916

75968 0.393 77565 9.038 79108 0.754

75969 0.417 77566 3.184 79109 0.807

75972 0.393 77568 4.427 79110 0.784

75973 0.454 77571 4.532 79111 0.554

75974 0.492 77572 3.773 79118 0.603

75975 0.594 77573 4.389 79119 0.525

75976 0.666 77575 1.573 79121 0.640

75977 0.753 77577 4.924 79123 0.720

75978 0.496 77578 2.897 79124 0.668

75979 0.489 77580 2.148 79201 0.827

75980 0.456 77581 1.955 79220 0.635

76001 0.908 77582 1.410 79221 0.557

76002 0.821 77583 2.219 79223 0.557

76006 0.864 77584 2.158 79225 0.758

76008 0.488 77585 0.702 79226 0.928

76009 0.665 77586 7.475 79227 0.728

76010 0.783 77587 1.790 79229 0.615

76011 0.917 77590 7.860 79230 0.828

76012 0.639 77591 4.353 79231 0.557

76013 0.664 77597 2.403 79232 0.557

76014 0.579 77598 2.969 79233 0.557

76015 0.874 77611 2.810 79234 0.775

76016 0.621 77612 1.121 79235 0.611

76017 0.993 77613 2.148 79236 0.557

76018 0.732 77614 1.420 79237 0.622

76020 0.692 77615 2.148 79239 0.569

76021 0.721 77616 0.570 79240 0.748

76022 0.593 77617 11.609 79241 0.793

76023 0.755 77619 2.740 79243 0.543

76028 0.689 77622 2.935 79244 0.726


UPC TX HO Manual

05.15.14 HO-T-17 Ed. 5/14

76031 0.675 77623 11.609 79245 0.586

76033 0.542 77624 0.610 79247 0.564

76034 0.847 77625 0.801 79248 0.669

76035 0.644 77626 1.955 79250 0.586

76036 0.882 77627 2.393 79251 0.856

76039 0.591 77629 2.148 79252 0.936

76040 0.698 77630 2.296 79255 0.550

76041 0.546 77632 1.563 79256 0.697

76043 0.675 77639 1.955 79257 0.637

76044 0.660 77640 3.608 79258 0.557

76048 0.454 77642 3.096 79259 0.697

76049 0.695 77650 12.157 79261 0.841

76050 0.804 77651 2.703 79311 0.520

76051 0.812 77655 3.924 79312 0.486

76052 1.154 77656 0.968 79313 0.397

76053 1.122 77657 1.164 79314 0.557

76054 0.985 77659 1.201 79316 0.312

76055 0.803 77660 0.529 79320 0.406

76058 0.576 77661 2.148 79322 0.677

76059 0.625 77662 1.316 79323 0.321

76060 1.005 77663 0.943 79324 0.425

76061 0.622 77664 0.538 79325 0.370

76063 1.289 77665 4.061 79326 0.455

76064 0.864 77701 1.651 79329 0.629

76065 0.764 77702 1.759 79330 0.557

76066 0.714 77703 1.662 79331 0.514

76067 0.745 77705 2.414 79336 0.658

76070 0.821 77706 1.644 79338 0.557

76071 0.747 77707 1.517 79339 0.516

76073 0.819 77708 1.475 79342 0.500

76077 0.528 77709 2.148 79343 0.719

76078 0.577 77713 1.636 79344 0.330

76082 0.826 77801 0.374 79345 0.437

76084 0.529 77802 0.563 79346 0.401

76085 0.609 77803 0.556 79347 0.468

76086 0.801 77807 0.542 79350 0.517

76087 0.510 77808 0.938 79351 0.561

76088 0.554 77830 0.586 79353 0.428

76092 0.944 77831 0.441 79355 0.309

76093 0.507 77833 0.562 79356 0.534

76097 0.622 77835 0.446 79357 0.516

76098 0.719 77836 0.415 79358 0.578

76102 0.707 77837 0.474 79359 0.288

76103 1.104 77838 0.484 79360 0.240

76104 0.848 77839 0.484 79363 0.578

76105 0.908 77840 0.461 79364 0.499

76106 0.752 77845 0.429 79366 0.532

76107 1.003 77850 0.427 79367 0.557

76108 0.654 77852 0.484 79369 0.557

76109 0.771 77853 0.406 79370 0.639

76110 0.977 77855 0.496 79371 0.526

76111 0.623 77856 0.461 79372 0.557

76112 0.788 77857 0.484 79373 0.584

76114 0.944 77859 0.428 79376 0.367

76115 0.611 77861 0.690 79377 0.396

76116 0.698 77862 0.508 79378 0.557

76117 1.135 77863 0.484 79379 0.359

76118 1.322 77864 0.575 79380 0.557

76119 0.877 77865 0.424 79381 0.511

76120 1.026 77866 0.508 79382 0.551

76123 0.954 77867 0.604 79383 0.557

76126 1.058 77868 0.501 79401 0.650

76131 0.752 77869 0.508 79402 0.517

76132 0.517 77870 0.604 79403 0.537

76133 1.036 77871 0.387 79404 0.635

76134 0.790 77872 0.579 79405 0.517

76135 0.871 77873 0.475 76406 0.517


UPC TX HO Manual

05.15.14 HO-T-18 Ed. 5/14

76137 0.800 77875 0.644 79407 0.615

76140 0.623 77876 0.644 79409 0.588

76148 0.813 77878 0.484 79410 0.637

76155 0.837 77879 0.647 79411 0.639

76177 0.796 77880 0.544 79412 0.499

76178 0.790 77881 0.508 79413 0.491

76179 0.776 77882 0.604 79414 0.558

76180 0.662 77901 1.304 79415 0.771

76201 0.648 77904 1.247 79416 0.480

76205 0.644 77905 1.605 79423 0.411

76207 1.018 77950 2.062 79424 0.472

76208 0.855 77951 2.444 79501 0.778

76209 0.939 77954 0.731 79502 0.921

76210 0.937 77957 2.092 79503 0.690

76225 0.938 77960 1.059 79504 0.607

76226 0.802 77961 1.955 79505 0.822

76227 0.788 77962 1.980 79506 0.514

76228 0.703 77963 1.059 79508 0.579

76230 0.943 77964 0.746 79510 0.710

76233 0.926 77967 0.784 79511 0.430

76234 1.102 77968 1.649 79512 0.679

76238 0.718 77969 1.955 79516 0.557

76239 0.736 77970 1.955 79517 0.482

76240 1.091 77971 3.592 79518 0.800

76244 0.899 77973 1.410 79519 0.353

76245 0.809 77974 0.934 79520 0.694

76246 0.719 77975 0.534 79521 0.855

76247 1.348 77976 1.410 79525 0.551

76248 0.847 77977 1.410 79526 0.631

76249 1.077 77978 3.924 79527 0.591

76250 0.836 77979 5.136 79528 0.507

76251 1.115 77982 13.206 79529 0.517

76252 1.054 77983 5.535 79530 0.543

76253 1.078 77984 0.597 79532 0.683

76255 0.611 77986 0.784 79533 0.577

76258 1.031 77987 0.784 79534 0.667

76259 0.904 77988 1.410 79535 0.526

76261 0.852 77989 0.784 79536 0.769

76262 0.861 77990 4.480 79537 0.429

76263 0.598 77991 1.955 79538 0.598

76264 0.743 77993 1.059 79539 0.545

76265 0.862 77994 0.617 79540 0.544

76266 0.973 77995 0.717 79541 0.460

76267 0.719 78001 0.279 79543 0.630

76268 0.940 78002 0.199 79544 0.987

76270 0.823 78003 0.229 79545 0.529

76271 0.827 78004 0.378 79546 0.771

76272 1.098 78005 0.243 79547 1.248

76273 1.109 78006 0.302 79548 0.689

76301 1.079 78007 0.367 79549 0.753

76302 0.707 78008 0.272 79550 0.557

76305 0.982 78009 0.253 79553 0.517

76306 0.934 78010 0.318 79556 0.862

76308 0.910 78011 0.243 79560 0.555

76309 0.749 78012 0.269 79561 0.859

76310 0.975 78013 0.302 79562 0.705

76311 0.778 78014 0.136 79563 0.457

76351 1.015 78015 0.339 79565 0.766

76352 0.822 78016 0.170 79566 1.026

76354 0.657 78017 0.180 79567 0.353

76357 1.189 78019 0.183 79601 0.604

76360 0.818 78021 0.170 79602 0.799

76363 0.815 78022 0.501 79603 0.419

76364 0.780 78023 0.270 79605 0.809

76365 0.647 78024 0.269 79606 0.594

76366 0.857 78025 0.209 79607 0.541

76367 0.730 78026 0.219 79701 0.337


UPC TX HO Manual

05.15.14 HO-T-19 Ed. 5/14

76369 0.822 78027 0.323 79703 0.439

76370 0.822 78028 0.289 79705 0.504

76371 0.678 78039 0.206 79706 0.366

76372 1.061 78040 0.312 79707 0.415

76373 0.791 78041 0.388 79713 0.492

76374 0.569 78043 0.400 79714 0.474

76377 0.806 78045 0.359 79718 0.126

76379 0.626 78046 0.145 79719 0.124

76380 0.656 78050 0.269 79720 0.492

76384 0.780 78052 0.181 79721 0.505

76388 0.697 78054 0.388 79730 0.164

76389 0.585 78055 0.204 79731 0.349

76401 0.566 78056 0.167 79733 0.505

76424 0.665 78057 0.270 79734 0.071

76426 0.737 78058 0.253 79735 0.113

76427 0.705 78059 0.381 79738 0.613

76429 0.685 78060 0.467 79739 0.343

76430 0.532 78061 0.201 79740 0.140

76431 0.615 78062 0.269 79741 0.371

76432 0.521 78063 0.252 79742 0.235

76433 0.786 78064 0.221 79743 0.170

76435 0.691 78065 0.385 79744 0.252

76436 0.803 78066 0.185 79745 0.429

76437 0.426 78067 0.328 79748 0.378

76439 0.719 78069 0.219 79749 0.412

76442 0.530 78070 0.316 79752 0.346

76443 0.787 78071 0.403 79754 0.152

76444 0.801 78072 0.459 79755 0.384

76445 0.923 78073 0.272 79756 0.253

76446 0.843 78074 0.353 79758 0.375

76448 0.543 78075 0.459 79759 0.397

76449 0.764 78076 0.433 79761 0.330

76450 0.618 78101 0.379 79762 0.398

76452 0.622 78102 0.730 79763 0.286

76453 0.574 78104 0.942 79764 0.377

76454 0.481 78107 1.059 79765 0.391

76455 0.436 78108 0.350 79766 0.385

76457 0.592 78109 0.320 79770 0.140

76458 0.575 78111 0.383 79772 0.112

76459 0.696 78112 0.297 79776 0.397

76460 0.659 78113 0.434 79777 0.248

76461 0.622 78114 0.337 79778 0.505

76462 0.799 78115 0.484 79780 0.140

76463 0.749 78116 0.471 79781 0.304

76464 0.635 78117 0.413 79782 0.350

76465 0.622 78118 0.469 79783 0.444

76466 0.622 78119 0.501 79785 0.140

76467 0.622 78121 0.556 79786 0.140

76468 0.622 78122 0.391 79788 0.505

76469 0.603 78123 0.411 79789 0.414

76470 0.629 78124 0.226 79821 0.064

76471 0.546 78125 0.942 79830 0.121

76472 0.565 78130 0.311 79835 0.063

76474 0.502 78132 0.335 79836 0.124

76475 0.632 78133 0.302 79837 0.087

76476 0.598 78140 0.445 79838 0.054

76481 0.678 78141 0.602 79839 0.054

76483 0.551 78142 0.942 79842 0.204

76484 0.910 78143 0.329 79843 0.119

76485 0.719 78144 0.610 79845 0.140

76486 0.738 78145 0.942 79846 0.140

76487 0.586 78146 0.942 79847 0.073

76490 0.806 78147 0.464 79848 0.140

76491 0.596 78148 0.292 79849 0.059

76501 0.464 78150 0.286 79851 0.077

76502 0.461 78151 0.541 79852 0.162

76504 0.515 78152 0.354 79853 0.054


UPC TX HO Manual

05.15.14 HO-T-20 Ed. 5/14

76511 0.432 78154 0.329 79854 0.057

76513 0.604 78155 0.524 79855 0.101

76518 0.526 78156 0.484 79901 0.069

76519 0.513 78159 0.486 79902 0.069

76520 0.630 78160 0.378 79903 0.093

76522 0.660 78161 0.481 79904 0.087

76523 0.582 78162 0.942 79905 0.074

76524 0.596 78163 0.240 79906 0.087

76525 0.548 78164 0.675 79907 0.083

76526 0.786 78201 0.313 79908 0.071

76527 0.532 78202 0.379 79910 0.078

76528 0.728 78203 0.356 79911 0.078

76530 0.645 78204 0.408 79912 0.063

76531 0.590 78205 0.397 79915 0.113

76533 0.610 78206 0.348 79916 0.071

76534 0.401 78207 0.290 79918 0.059

76537 0.560 78208 0.388 79922 0.034

76538 0.603 78209 0.463 79924 0.050

76539 0.428 78210 0.271 79925 0.049

76541 0.534 78211 0.258 79927 0.042

76542 0.536 78212 0.390 79928 0.036

76543 0.550 78213 0.363 79930 0.081

76544 0.696 78214 0.259 79932 0.081

76548 0.651 78215 0.249 79934 0.030

76549 0.947 78216 0.210 79935 0.050

76550 0.505 78217 0.523 79936 0.094

76554 0.440 78218 0.491 79938 0.094

76555 0.484 78219 0.341

76556 0.407 78220 0.283

76557 0.665 78221 0.334

76558 0.604 78222 0.258

76559 0.500 78223 0.358

76561 0.489 78224 0.205


UPC TX HO Manual

05.15.14 HO-T-21 Ed. 5/14


C. Form HO 00 06 1. Classification Table 2. a. Key Factor Table (Table B)

Protection Construction factors

Protection Class

Construction

Frame Masonry* Superior

1 1.06 1.00 0.90

2 1.06 1.00 0.90

3 1.06 1.00 0.90

4 1.06 1.00 0.90

5 1.06 1.00 0.90

6 1.16 1.05 0.95

7 1.19 1.05 0.95

8 1.30 1.20 1.10

8B 1.40 1.25 1.15

9 1.40 1.25 1.15

10 2.00 1.50 1.40

* Masonry Veneer is rated as Masonry.

Use the following factors for wind/hail premium:

Type Factor

Frame 1.21

Masonry 1.00

Superior 0.85

NUMBER OF FLOORS ABOVE UNIT Use the following factors for:

Floors Above Unit Other Wind / Hail

0 0.90 1.00

1 1.00 1.00

2 1.05 1.00

3+ 1.10 1.00

HO 00 06 Other Perils Base Rate & Territory Relativities

Base Rate = $196

Territory Relativity Territory Relativity Territory Relativity

10 1.010 62 0.916 125 0.872

11 1.105 63 0.864 131 0.791

12 0.913 64 0.843 132 0.918

13 1.070 71 0.695 133 0.772

14 0.942 72 0.604 134 1.044

15 0.948 73 0.576 135 0.765

16 1.010 81 0.855 136 0.860

COVERAGE A & C Factor

20,000 0.531

25,000 0.556

30,000 0.581

35,000 0.606

40,000 0.635

45,000 0.665

50,000 0.695

60,000 0.756

70,000 0.817

80,000 0.877

90,000 0.939

100,000 1.000

110,000 1.060

120,000 1.121

130,000 1.183

140,000 1.243

150,000 1.304

160,000 1.365

170,000 1.425

180,000 1.486

190,000 1.548

200,000 1.608

210,000 1.669

220,000 1.730

230,000 1.790

240,000 1.851

250,000 1.913

260,000 1.973

270,000 2.034

280,000 2.095

290,000 2.155

300,000 2.216

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

multiplying the result x 2.216.

Minimum Limits of Liability

**Section I – Property

-

Section II - Liability All Forms




UPC TX HO Manual

05.15.14 HO-T-22 Ed. 5/14

17 0.985 82 0.937 137 0.757

18 0.949 83 0.992 141 1.205

19 0.980 84 1.065 142 1.389

21 1.211 91 0.930 143 1.340

22 1.145 92 0.846 144 1.248

23 1.068 93 0.849 145 1.154

24 1.184 94 0.850 146 1.358

25 1.174 95 0.759 147 1.250

26 1.045 101 0.958 148 1.719

27 1.564 102 0.961 151 0.859

31 1.064 103 0.953 156 1.218

32 1.058 104 1.210 157 0.961

33 1.157 105 1.106 161 1.212

34 1.020 106 0.869 166 1.042

35 0.974 107 1.275 169 1.097

36 1.107 111 0.927 171 1.581

41 1.076 112 0.959 172 1.542

42 1.052 113 1.144 173 1.654

43 0.912 114 0.990 174 1.570

44 0.966 115 0.957 181 0.869

51 1.018 116 0.995 182 0.833

52 1.170 117 1.378 191 1.080

53 1.003 121 0.834 192 1.130

54 1.144 122 0.682 193 1.169

55 0.965 123 0.753 196 1.017

61 0.838 124 0.700 201 0.907

HO 00 06 Wind/Hail Base Rate & Territory Relativities

Base Rate = $291 Zip Code Relativity Zip Code Relativity Zip Code Relativity

75001 0.930 76564 0.645 78225 0.345

75002 1.037 76565 0.633 78226 0.394

75006 0.883 76566 0.683 78227 0.336

75007 0.937 76567 0.509 78228 0.292

75008 0.944 76569 0.549 78229 0.394

75009 0.909 76570 0.627 78230 0.455

75010 1.102 76571 0.585 78231 0.395

75013 0.959 76573 0.524 78232 0.431

75019 0.908 76574 0.587 78233 0.429

75020 0.848 76577 0.656 78234 0.362

75021 0.793 76578 0.446 78235 0.332

75022 0.957 76579 0.574 78236 0.420

75023 0.953 76621 0.773 78237 0.300

75024 0.882 76622 0.679 78238 0.283

75025 1.148 76623 0.748 78239 0.394

75028 0.933 76624 0.748 78240 0.368

75032 0.798 76626 0.765 78241 0.414

75034 0.911 76627 0.656 78242 0.349

75035 0.895 76628 0.677 78243 0.414

75038 0.933 76629 0.597 78244 0.439

75039 0.662 76630 0.602 78245 0.388

75040 0.776 76631 0.713 78247 0.497

75041 0.778 76632 0.671 78248 0.396

75042 0.816 76633 0.735 78249 0.346

75043 0.820 76634 0.777 78250 0.344

75044 0.895 76635 0.684 78251 0.361

75048 0.816 76636 0.820 78252 0.362

75050 0.783 76637 0.604 78253 0.326

75051 0.991 76638 0.883 78254 0.311

75052 0.727 76639 0.580 78255 0.429

75056 0.943 76640 0.543 78256 0.337

75057 0.845 76641 0.667 78257 0.427

75058 0.995 76642 0.594 78258 0.391

75060 0.681 76643 0.649 78259 0.428

75061 0.897 76644 0.677 78260 0.421

75062 0.684 76645 0.694 78261 0.378

75063 0.931 76648 0.598 78262 0.415


UPC TX HO Manual

05.15.14 HO-T-23 Ed. 5/14

75065 1.063 76649 0.672 78263 0.346

75067 0.957 76650 0.677 78264 0.371

75068 1.060 76651 0.763 78266 0.431

75069 0.787 76652 0.673 78284 0.397

75070 0.854 76653 0.546 78285 0.397

75071 0.920 76654 0.665 78330 2.135

75074 0.891 76655 0.685 78332 0.806

75075 0.982 76656 0.619 78335 2.571

75076 0.922 76657 0.614 78336 4.651

75077 1.084 76660 0.681 78338 1.730

75078 0.856 76661 0.639 78339 2.135

75080 0.864 76664 0.626 78340 3.777

75081 0.858 76665 0.681 78341 0.441

75082 0.927 76666 0.657 78342 0.979

75087 0.910 76667 0.560 78343 1.604

75088 0.889 76670 0.747 78344 0.252

75089 0.942 76671 0.803 78349 0.422

75090 0.844 76673 0.689 78350 0.538

75092 0.937 76675 0.611 78351 2.135

75093 0.905 76676 0.549 78352 2.571

75094 0.906 76677 0.611 78353 0.995

75097 0.944 76678 0.591 78355 0.837

75098 0.955 76679 0.732 78357 0.422

75101 0.748 76680 0.601 78358 5.086

75102 0.720 76681 0.630 78359 2.571

75103 0.731 76682 0.619 78360 0.316

75104 0.850 76684 0.665 78361 0.420

75105 0.646 76685 0.611 78362 4.220

75109 0.574 76686 0.601 78363 1.174

75110 0.761 76687 0.667 78368 1.153

75114 0.787 76689 0.578 78369 0.183

75115 0.768 76690 0.607 78370 2.118

75116 0.915 76691 0.733 78371 0.289

75117 0.659 76692 0.756 78372 1.056

75118 0.797 76693 0.615 78373 6.998

75119 0.868 76701 0.640 78374 3.532

75121 0.951 76702 0.665 78375 0.770

75123 0.863 76703 0.665 78376 0.301

75124 0.660 76704 0.565 78377 1.539

75125 0.717 76705 0.694 78379 1.579

75126 0.747 76706 0.617 78380 1.559

75127 0.780 76707 0.869 78381 5.086

- - 76708 0.613 78382 5.086

75132 0.730 76710 0.688 78383 1.146

75135 0.956 76711 0.652 78384 0.515

75137 0.665 76712 0.614 78385 2.087

75140 0.735 76801 0.557 78387 1.715

75141 0.906 76802 0.781 78389 1.198

75142 0.797 76820 0.466 78390 2.541

75143 0.751 76821 0.514 78391 1.331

75144 0.583 76823 0.565 78393 1.701

75146 0.687 76824 0.447 78401 4.349

75147 0.609 76825 0.353 78402 5.390

75148 0.656 76827 0.507 78404 4.433

75149 0.927 76828 0.511 78405 3.058

75150 0.707 76831 0.478 78406 2.472

75152 0.833 76832 0.467 78407 3.255

75153 0.564 76834 0.524 78408 2.870

75154 0.909 76836 0.560 78409 2.446

75155 0.679 76837 0.521 78410 1.750

75156 0.605 76841 0.502 78411 3.915

75157 0.797 76842 0.459 78412 4.465

75158 0.803 76844 0.533 78413 2.540

75159 0.805 76845 0.489 78414 3.075

75160 0.621 76848 0.394 78415 2.894

75161 0.748 76849 0.374 78416 2.661

75163 0.711 76852 0.505 78417 2.425


UPC TX HO Manual

05.15.14 HO-T-24 Ed. 5/14

75164 0.944 76853 0.577 78418 5.478

75165 0.729 76854 0.385 78419 5.389

75166 0.898 76855 0.598 78470 4.477

75167 0.697 76856 0.455 78471 4.477

75169 0.756 76857 0.619 78473 2.895

75172 0.628 76858 0.409 78474 4.477

75173 0.948 76859 0.447 78475 4.477

75180 0.770 76861 0.481 78476 4.477

75181 0.897 76862 0.372 78477 4.477

75182 0.825 76864 0.546 78478 4.447

75189 0.760 76865 0.478 78501 0.680

75201 0.786 76866 0.441 78503 0.755

75202 0.685 76867 0.598 78504 0.893

75203 0.779 76869 0.445 78516 0.896

75204 0.813 76870 0.663 78520 2.084

75205 0.691 76871 0.569 78521 2.158

75206 0.853 76872 0.472 78526 2.593

75207 0.641 76873 0.509 78535 2.571

75208 0.787 76874 0.300 78536 0.533

75209 0.697 76875 0.591 78537 0.971

75210 0.740 76877 0.496 78538 1.329

75211 0.734 76878 0.423 78539 0.911

75212 0.920 76880 0.559 78540 0.860

75214 0.983 76882 0.506 78541 0.859

75215 0.712 76883 0.293 78543 0.860

75216 0.820 76884 0.412 78545 0.441

75217 0.675 76885 0.520 78547 0.602

75218 0.836 76886 0.482 78548 0.647

75219 0.616 76887 0.449 78549 1.097

75220 0.787 76888 0.465 78550 1.699

75223 1.042 76890 0.577 78552 1.495

75224 0.807 76901 0.518 78557 0.675

75225 0.761 76903 0.372 78558 0.860

75226 0.683 76904 0.445 78559 1.559

75227 1.005 76905 0.435 78560 0.752

75228 0.884 76908 0.411 78561 2.692

75229 0.842 76930 0.346 78562 0.860

75230 0.843 76932 0.410 78563 0.895

75231 0.838 76933 0.469 78564 0.295

75232 0.819 76934 0.416 78565 0.860

75233 0.852 76935 0.359 78566 2.477

75234 0.947 76936 0.447 78567 2.571

75235 0.886 76937 0.377 78568 2.571

75236 0.765 76939 0.482 78569 1.664

75237 0.831 76940 0.496 78570 1.243

75238 0.750 76941 0.452 78572 0.738

75239 0.794 76943 0.256 78573 0.768

75240 0.844 76945 0.445 78574 0.745

75241 0.907 76949 0.604 78575 2.061

75242 0.852 76950 0.327 78576 0.860

75243 0.947 76951 0.532 78577 0.842

75244 0.809 76953 0.542 78578 6.570

75246 0.686 76955 0.400 78579 0.860

75247 0.865 76957 0.388 78580 1.484

75248 0.820 76958 0.482 78582 0.450

75249 0.795 77002 1.255 78583 2.386

75251 0.750 77003 1.382 78584 0.394

75252 0.824 77004 1.249 78585 0.441

75253 0.874 77005 1.361 78586 1.739

75254 0.879 77006 1.294 78588 0.576

75258 0.852 77007 1.214 78589 0.914

75260 0.852 77008 1.236 78590 2.198

75270 0.852 77009 1.254 78591 0.595

75287 0.944 77010 1.294 78592 2.571

75295 0.852 77011 1.369 78593 1.422

75342 0.852 77012 1.639 78594 2.094

75398 0.852 77013 1.470 78595 0.594


UPC TX HO Manual

05.15.14 HO-T-25 Ed. 5/14

75401 0.863 77014 1.088 78596 1.174

75402 0.797 77015 1.551 78597 9.114

75407 0.801 77016 1.356 78598 5.774

75409 0.916 77017 1.565 78599 0.860

75410 0.883 77018 1.187 78602 0.426

75411 0.853 77019 1.235 78604 0.541

75412 0.865 77020 1.343 78605 0.508

75413 0.797 77021 1.306 78606 0.421

75414 0.830 77022 1.253 78607 0.441

75415 0.883 77023 1.363 78608 0.666

75416 0.934 77024 1.224 78609 0.506

75417 0.797 77025 1.321 78610 0.428

75418 0.973 77026 1.350 78611 0.555

75420 0.771 77027 1.159 78612 0.572

75421 0.785 77028 1.357 78613 0.592

75422 0.863 77029 1.495 78614 0.493

75423 0.794 77030 1.255 78615 0.530

75424 0.908 77031 1.252 78616 0.451

75425 0.797 77032 1.246 78617 0.446

75426 0.881 77033 1.455 78618 0.319

75428 0.764 77034 1.909 78619 0.398

75431 0.785 77035 1.424 78620 0.406

75432 0.843 77036 1.326 78621 0.448

75433 0.868 77037 1.219 78622 0.524

75434 0.797 77038 1.256 78623 0.547

75435 0.886 77039 1.236 78624 0.497

75436 0.780 77040 1.185 78626 0.591

75437 0.777 77041 1.170 78628 0.616

75438 0.902 77042 1.256 78629 0.602

75439 0.923 77043 1.285 78630 0.524

75440 0.772 77044 1.582 78631 0.376

75441 0.799 77045 1.536 78632 0.471

75442 0.831 77046 1.161 78634 0.596

75443 0.797 77047 1.787 78635 0.467

75444 0.799 77048 1.948 78636 0.580

75446 0.880 77049 1.670 78638 0.452

75447 0.891 77050 1.386 78639 0.451

75448 0.799 77051 1.372 78640 0.429

75449 0.877 77053 1.992 78641 0.454

75450 0.714 77054 1.289 78642 0.497

75451 0.836 77055 1.272 78643 0.469

75452 0.846 77056 1.206 78644 0.431

75453 0.799 77057 1.184 78645 0.454

75454 1.090 77058 3.577 78646 0.524

75455 0.925 77059 2.768 78648 0.485

75457 0.771 77060 1.173 78650 0.491

75458 0.797 77061 1.577 78652 0.422

75459 0.774 77062 2.614 78653 0.518

75460 0.835 77063 1.243 78654 0.421

75462 0.938 77064 1.160 78655 0.414

75468 0.791 77065 1.071 78656 0.449

75469 0.946 77066 1.082 78657 0.492

75470 0.792 77067 1.182 78658 0.541

75471 0.795 77068 0.869 78659 0.452

75472 0.761 77069 1.004 78660 0.619

75473 0.799 77070 1.046 78661 0.524

75474 0.730 77071 1.228 78662 0.481

75475 0.797 77072 1.160 78663 0.457

75476 0.788 77073 1.065 78664 0.585

75477 0.826 77074 1.274 78666 0.454

75478 0.844 77075 1.843 78669 0.478

75479 0.695 77076 1.189 78670 0.524

78480 0.801 77077 1.156 78671 0.473

75481 0.737 77078 1.475 78672 0.495

75482 0.822 77079 1.261 78673 0.524

75485 0.944 77080 1.133 78674 0.524

75486 0.747 77081 1.156 78675 0.435


UPC TX HO Manual

05.15.14 HO-T-26 Ed. 5/14

75487 0.794 77082 1.147 78676 0.576

75488 0.743 77083 1.442 78677 0.553

75489 0.881 77084 0.999 78681 0.513

75490 0.778 77085 1.426 78691 0.539

75491 0.856 77086 1.148 78701 0.512

75492 0.887 77087 1.342 78702 0.420

75493 0.763 77088 1.164 78703 0.504

75494 0.802 77089 2.016 78704 0.423

75495 0.895 77090 1.024 78705 0.532

75496 1.003 77091 1.156 78710 0.483

75497 0.758 77092 1.167 78712 0.577

75501 0.787 77093 1.269 78717 0.659

75503 0.759 77094 1.264 78719 0.467

75550 0.684 77095 1.202 78721 0.697

75551 0.793 77096 1.356 78722 0.442

75554 1.010 77097 1.272 78723 0.484

75555 0.767 77098 1.217 78724 0.580

75556 0.713 77099 1.219 78725 0.504

75558 0.721 77301 0.885 78726 0.543

75559 0.698 77302 0.931 78727 0.582

75560 0.757 77303 0.758 78728 0.533

75561 0.767 77304 0.727 78729 0.669

75562 0.732 77306 0.829 78730 0.453

75563 0.752 77316 0.694 78731 0.585

75564 0.732 77318 0.937 78732 0.578

75565 0.732 77320 0.646 78733 0.587

75566 0.787 77326 0.826 78734 0.520

75567 0.660 77327 0.925 78735 0.439

75568 0.898 77328 0.884 78736 0.434

75569 0.777 77331 0.987 78737 0.453

75570 0.910 77332 0.826 78738 0.462

75571 0.872 77334 0.748 78739 0.705

75572 0.782 77335 0.689 78741 0.447

75573 0.799 77336 1.469 78742 0.517

75574 0.743 77337 1.272 78744 0.508

75601 0.746 77338 1.114 78745 0.362

75602 0.710 77339 1.295 78746 0.549

75603 0.653 77340 0.541 78747 0.452

75604 0.772 77345 1.083 78748 0.391

75605 0.654 77346 1.447 78749 0.532

75630 0.637 77350 0.826 78750 0.616

75631 0.644 77351 0.776 78751 0.565

75633 0.754 77354 0.937 78752 0.549

75636 0.799 77355 0.727 78753 0.468

75637 0.688 77356 0.801 78754 0.489

75638 0.813 77357 1.023 78756 0.595

75639 0.629 77358 0.800 78757 0.546

75640 0.658 77359 0.636 78758 0.632

75641 0.688 77360 0.572 78759 0.510

75642 0.732 77362 0.750 78801 0.281

75643 0.713 77363 0.687 78827 0.297

75644 0.825 77364 0.920 78828 0.301

75645 0.835 77365 1.087 78829 0.211

75647 0.640 77367 0.748 78830 0.175

75650 0.663 77368 1.474 78832 0.337

75651 0.828 77369 1.474 78833 0.254

75652 0.613 77371 0.769 78834 0.275

75654 0.526 77372 0.926 78836 0.299

75656 0.755 77373 0.925 78837 0.340

75657 0.727 77374 0.979 78838 0.284

75658 0.601 77375 0.921 78839 0.209

75659 0.732 77376 0.979 78840 0.240

75660 0.688 77377 0.919 78841 0.289

75661 0.615 77378 0.752 78842 0.289

75662 0.634 77379 1.062 78843 0.367

75666 0.601 77380 0.933 78850 0.279

75667 0.589 77381 0.839 78851 0.277


UPC TX HO Manual

05.15.14 HO-T-27 Ed. 5/14

75668 0.765 77382 0.692 78852 0.347

75668 0.571 77384 0.755 78860 0.299

75670 0.702 77385 0.865 78861 0.264

75672 0.690 77386 0.856 78870 0.254

75680 0.601 77388 1.074 78871 0.289

75681 0.612 77389 0.983 78872 0.221

75682 0.601 77396 1.271 78873 0.283

75683 0.769 77401 1.148 78877 0.334

75684 0.604 77406 1.328 78879 0.318

75685 0.688 77412 0.791 78880 0.252

75868 0.771 77414 2.743 78881 0.245

75687 0.773 77415 3.291 78883 0.284

75688 0.732 77417 1.629 78884 0.257

75689 0.783 77418 0.751 78885 0.321

75691 0.612 77419 2.594 78886 0.293

75692 0.593 77420 1.951 78931 0.835

75693 0.729 77422 3.073 78932 0.649

75694 0.732 77423 1.284 78933 0.896

75701 0.642 77426 0.729 78934 0.823

75702 0.571 77428 3.291 78935 0.845

75703 0.704 77429 0.948 78938 0.656

75704 0.667 77430 2.207 78940 0.655

75705 0.886 77431 2.692 78941 0.593

75706 0.795 77432 2.425 78942 0.650

75707 0.665 77433 1.074 78943 0.791

75708 0.892 77434 0.985 78944 0.754

75709 0.695 77435 1.360 78945 0.580

75750 0.635 77436 1.730 78946 0.518

75751 0.740 77437 1.788 78947 0.578

75752 0.640 77440 3.163 78948 0.623

75754 0.756 77441 1.391 78949 0.576

75755 0.649 77442 0.982 78950 0.736

75756 0.766 77443 1.730 78951 0.791

75757 0.538 77444 2.328 78952 0.611

75758 0.673 77445 0.826 78953 0.480

75759 0.601 77446 1.034 78954 0.654

75760 0.578 77447 0.966 78956 0.698

75762 0.551 77448 1.730 78957 0.561

75763 0.633 77449 1.203 78959 0.552

75764 0.601 77450 1.041 78960 0.611

75765 0.603 77451 1.474 78961 0.611

75766 0.569 77452 0.645 78962 0.712

75770 0.740 77453 1.730 78963 0.635

75771 0.831 77454 1.730 79001 0.402

75772 0.601 77455 1.850 79002 0.783

75773 0.769 77456 2.618 79003 0.783

75778 0.745 77457 6.738 79005 1.083

75779 0.601 77458 2.414 79007 0.907

75780 0.601 77459 1.655 79008 0.783

75782 0.601 77460 0.791 79009 0.507

75783 0.817 77461 2.105 79011 0.847

75784 0.583 77462 1.730 79012 0.783

75785 0.559 77463 2.692 79013 0.783

75788 0.601 77464 1.474 79014 0.926

75789 0.590 77465 4.818 79015 0.702

75790 0.939 77466 1.034 79018 0.575

75791 0.821 77467 1.730 79019 0.840

75792 0.670 77468 2.224 79021 0.638

75801 0.563 77469 1.493 79022 0.457

75803 0.553 77470 0.791 79024 0.783

75831 0.748 77471 1.584 79025 0.783

75832 0.601 77473 0.645 79027 0.853

75833 0.494 77474 1.060 79029 0.828

75834 0.601 77475 0.791 79031 0.532

75835 0.582 77476 1.474 79032 0.638

75838 0.661 77477 1.435 79033 0.783

75839 0.513 77478 1.199 79034 0.767


UPC TX HO Manual

05.15.14 HO-T-28 Ed. 5/14

75840 0.592 77479 1.701 79035 0.464

75844 0.570 77480 2.587 79036 1.003

75845 0.554 77481 1.474 79039 0.755

75846 0.543 77482 2.344 79040 0.786

75847 0.721 77483 3.583 79041 0.701

75848 0.601 77484 1.071 79042 0.561

75849 0.601 77485 1.304 79043 0.699

75850 0.612 77486 2.751 79044 0.470

75851 0.543 77487 1.474 79045 0.543

75852 0.692 77488 1.672 79046 0.812

75853 0.799 77489 1.522 79051 0.783

75855 0.605 77493 1.257 79052 0.641

75856 0.519 77494 1.266 79053 0.638

75858 0.601 77496 1.474 79054 0.783

75859 0.627 77497 1.474 79056 0.994

75860 0.509 77502 1.857 79057 0.801

75861 0.658 77503 2.098 79058 0.684

75862 0.660 77504 1.921 79059 0.997

75865 0.601 77505 2.430 79061 0.882

75901 0.534 77506 1.831 79062 0.670

75904 0.515 77507 3.956 79063 0.758

75925 0.653 77510 3.233 79064 0.654

75926 0.501 77511 2.711 79065 0.762

75928 0.706 77514 4.092 79066 0.783

75929 0.644 77515 3.145 79068 0.817

75930 0.561 77516 2.692 79070 1.095

75931 0.541 77517 2.737 79072 0.711

75932 0.588 77518 7.547 79077 0.783

75933 0.712 77519 1.024 79078 0.783

75934 0.826 77520 2.802 79079 0.825

75935 0.499 77521 2.532 79080 0.927

75936 0.575 77530 2.188 79081 0.974

75937 0.544 77531 3.769 79082 0.644

75938 0.591 77532 1.887 79083 0.786

75939 0.629 77533 1.474 79084 0.570

75941 0.524 77534 3.661 79085 0.600

75942 0.826 77535 1.611 79086 0.705

75943 0.621 77536 2.460 79087 0.569

75944 0.601 77538 2.219 79088 0.736

75946 0.662 77539 4.529 79091 0.783

75947 0.748 77541 5.951 79092 0.677

75948 0.532 77542 2.692 79093 0.783

75949 0.572 77545 1.977 79094 0.742

75951 0.669 77546 2.247 79095 0.772

75954 0.621 77547 1.671 79096 0.880

75956 0.832 77550 7.580 79097 0.651

75958 0.601 77551 7.207 79098 0.587

75959 0.601 77554 9.875 79101 0.613

75960 0.674 77560 2.646 79102 0.835

75961 0.524 77561 1.474 79103 0.824

75964 0.600 77562 2.520 79104 0.721

75965 0.580 77563 4.894 79106 0.714

75966 0.658 77564 1.213 79107 0.870

75968 0.472 77565 6.542 79108 0.723

75969 0.499 77566 3.013 79109 0.849

75972 0.586 77568 3.944 79110 0.841

75973 0.605 77571 3.999 79111 0.634

75974 0.728 77572 3.364 79118 0.822

75975 0.837 77573 3.811 79119 0.692

75976 0.462 77575 1.678 79121 0.686

75977 0.800 77577 4.184 79123 0.783

75978 0.601 77578 2.606 79124 0.767

75979 0.604 77580 2.032 79201 0.864

75980 0.562 77581 2.013 79220 0.772

76001 0.881 77582 1.474 79221 0.638

76002 0.761 77583 2.174 79223 0.638

76006 0.805 77584 2.138 79225 0.820


UPC TX HO Manual

05.15.14 HO-T-29 Ed. 5/14

76008 0.716 77585 0.794 79226 0.798

76009 0.726 77586 5.713 79227 0.718

76010 0.808 77587 1.750 79229 0.717

76011 0.915 77590 6.012 79230 0.813

76012 0.816 77591 3.899 79231 0.638

76013 0.852 77597 2.361 79232 0.638

76014 0.675 77598 2.904 79233 0.638

76015 0.891 77611 2.558 79234 0.913

76016 0.907 77612 1.127 79235 0.765

76017 0.959 77613 2.032 79236 0.638

76018 0.958 77614 1.485 79237 0.764

76020 0.726 77615 2.032 79239 0.686

76021 0.829 77616 0.694 79240 0.956

76022 0.740 77617 8.121 79241 0.775

76023 0.984 77619 2.518 79243 0.793

76028 0.692 77622 2.677 79244 0.805

76031 0.675 77623 8.121 79245 0.770

76033 0.729 77624 0.716 79247 0.676

76034 0.909 77625 0.899 79248 0.829

76035 0.682 77626 1.896 79250 0.746

76036 0.882 77627 2.209 79251 0.742

76039 0.706 77629 2.032 79252 0.941

76040 0.851 77630 2.197 79255 0.654

76041 0.688 77632 1.575 79256 0.767

76043 0.875 77639 1.896 79257 0.796

76044 0.767 77640 3.162 79258 0.638

76048 0.669 77642 2.804 79259 0.701

76049 0.601 77650 8.394 79261 0.828

76050 0.903 77651 2.478 79311 0.637

76051 1.005 77655 3.322 79312 0.574

76052 0.963 77656 1.058 79313 0.577

76053 0.968 77657 1.237 79314 0.638

76054 0.984 77659 1.276 79316 0.474

76055 0.876 77660 0.634 79320 0.517

76058 0.810 77661 2.032 79322 0.768

76059 0.660 77662 1.370 79323 0.453

76060 0.918 77663 0.979 79324 0.539

76061 0.677 77664 0.692 79325 0.560

76063 0.957 77665 3.521 79326 0.666

76064 0.709 77701 1.611 79329 0.855

76065 0.856 77702 1.679 79330 0.638

76066 0.701 77703 1.650 79331 0.550

76067 0.788 77705 2.380 79336 0.634

76070 0.865 77706 1.636 79338 0.638

76071 0.921 77707 1.563 79339 0.660

76073 1.041 77708 1.554 79342 0.569

76077 0.700 77709 2.032 79343 0.828

76078 0.734 77713 1.644 79344 0.447

76082 0.948 77801 0.525 79345 0.612

76084 0.724 77802 0.466 79346 0.504

76085 0.617 77803 0.566 79347 0.521

76086 0.909 77807 0.682 79350 0.666

76087 0.717 77808 0.712 79351 0.656

76088 0.732 77830 0.654 79353 0.531

76092 0.903 77831 0.747 79355 0.475

76093 0.674 77833 0.695 79356 0.638

76097 0.677 77835 0.589 79357 0.759

76098 0.831 77836 0.672 79358 0.652

76102 0.719 77837 0.610 79359 0.454

76103 0.840 77838 0.524 79360 0.450

76104 0.851 77839 0.524 79363 0.654

76105 0.749 77840 0.507 79364 0.588

76106 0.684 77845 0.537 79366 0.688

76107 0.951 77850 0.549 79367 0.638

76108 0.756 77852 0.524 79369 0.638

76109 0.867 77853 0.579 79370 0.710

76110 0.926 77855 0.601 79371 0.580


UPC TX HO Manual

05.15.14 HO-T-30 Ed. 5/14

76111 0.760 77856 0.551 79372 0.638

76112 0.762 77857 0.524 79373 0.699

76114 0.956 77859 0.560 79376 0.560

76115 0.844 77861 0.656 79377 0.581

76116 0.623 77862 0.541 79378 0.638

76117 0.919 77863 0.524 79379 0.478

76118 0.957 77864 0.627 79380 0.638

76119 0.898 77865 0.483 79381 0.720

76120 0.951 77866 0.541 79382 0.734

76123 0.725 77867 0.611 79383 0.638

76126 0.733 77868 0.662 79401 0.712

76131 1.117 77869 0.541 79402 0.666

76132 0.783 77870 0.611 79403 0.702

76133 0.934 77871 0.546 79404 0.682

76134 1.091 77872 0.482 79405 0.666

76135 0.833 77873 0.621 76406 0.666

76137 0.882 77875 0.748 79407 0.592

76140 0.699 77876 0.748 79409 0.622

76148 0.944 77878 0.524 79410 0.689

76155 1.056 77879 0.643 79411 0.695

76177 0.954 77880 0.643 79412 0.650

76178 0.835 77881 0.541 79413 0.620

76179 1.016 77882 0.611 79414 0.673

76180 0.697 77901 1.254 79415 0.702

76201 1.094 77904 1.253 79416 0.678

76205 0.993 77905 1.557 79423 0.634

76207 0.899 77950 1.907 79424 0.697

76208 0.956 77951 2.171 79501 0.707

76209 0.939 77954 0.789 79502 0.789

76210 0.927 77957 1.981 79503 0.687

76225 1.002 77960 1.037 79504 0.770

76226 0.909 77961 1.896 79505 0.870

76227 0.933 77962 2.000 79506 0.524

76228 0.887 77963 1.037 79508 0.631

76230 0.977 77964 0.754 79510 0.749

76233 0.871 77967 0.791 79511 0.550

76234 0.833 77968 1.628 79512 0.715

76238 1.015 77969 1.896 79516 0.638

76239 0.929 77970 1.896 79517 0.788

76240 0.804 77971 3.180 79518 0.752

76244 0.967 77973 1.474 79519 0.502

76245 0.938 77974 0.912 79520 0.634

76246 0.831 77975 0.644 79521 0.761

76247 0.970 77976 1.474 79525 0.759

76248 1.023 77977 1.474 79526 0.760

76249 0.893 77978 3.322 79527 0.665

76250 0.916 77979 4.217 79528 0.659

76251 1.000 77982 8.615 79529 0.686

76252 1.156 77983 4.520 79530 0.612

76253 0.843 77984 0.688 79532 0.695

76255 0.828 77986 0.791 79533 0.700

76258 0.887 77987 0.791 79534 0.652

76259 0.832 77988 1.474 79535 0.574

76261 0.755 77989 0.791 79536 0.798

76262 0.950 77990 3.716 79537 0.604

76263 0.842 77991 1.896 79538 0.560

76264 0.898 77993 1.037 79539 0.670

76265 0.867 77994 0.727 79540 0.660

76266 0.899 77995 0.778 79541 0.649

76267 0.831 78001 0.289 79543 0.615

76268 0.881 78002 0.260 79544 0.811

76270 0.867 78003 0.247 79545 0.736

76271 0.772 78004 0.444 79546 0.666

76272 0.925 78005 0.319 79547 0.809

76273 0.967 78006 0.310 79548 0.677

76301 0.920 78007 0.422 79549 0.635

76302 0.907 78008 0.341 79550 0.638


UPC TX HO Manual

05.15.14 HO-T-31 Ed. 5/14

76305 0.878 78009 0.325 79553 0.639

76306 0.896 78010 0.362 79556 0.613

76308 1.016 78011 0.321 79560 0.700

76309 0.915 78012 0.363 79561 0.639

76310 0.863 78013 0.430 79562 0.613

76311 0.833 78014 0.223 79563 0.658

76351 0.939 78015 0.414 79565 0.628

76352 0.870 78016 0.260 79566 0.530

76354 0.740 78017 0.249 79567 0.587

76357 0.814 78019 0.192 79601 0.605

76360 0.692 78021 0.259 79602 0.756

76363 0.738 78022 0.580 79603 0.547

76364 0.825 78023 0.408 79605 0.582

76365 1.038 78024 0.372 79606 0.587

76366 0.756 78025 0.340 79607 0.731

76367 0.866 78026 0.352 79701 0.451

76369 0.870 78027 0.488 79703 0.479

76370 0.870 78028 0.366 79705 0.547

76371 0.700 78039 0.311 79706 0.531

76372 0.820 78040 0.289 79707 0.557

76373 0.857 78041 0.320 79713 0.571

76374 0.751 78043 0.351 79714 0.503

76377 0.796 78045 0.357 79718 0.184

76379 0.790 78046 0.172 79719 0.197

76380 0.761 78050 0.363 79720 0.608

76384 0.962 78052 0.344 79721 0.542

76388 0.878 78054 0.397 79730 0.233

76389 0.953 78055 0.299 79731 0.422

76401 0.623 78056 0.267 79733 0.542

76424 0.690 78057 0.295 79734 0.138

76426 0.815 78058 0.352 79735 0.193

76427 0.793 78059 0.317 79738 0.610

76429 0.776 78060 0.538 79739 0.449

76430 0.649 78061 0.268 79740 0.214

76431 0.845 78062 0.363 79741 0.399

76432 0.694 78063 0.303 79742 0.339

76433 0.810 78064 0.345 79743 0.309

76435 0.829 78065 0.468 79744 0.315

76436 0.704 78066 0.289 79745 0.353

76437 0.557 78067 0.312 79748 0.522

76439 0.831 78069 0.285 79749 0.509

76442 0.639 78070 0.410 79752 0.431

76443 0.661 78071 0.464 79754 0.237

76444 0.554 78072 0.345 79755 0.480

76445 0.677 78073 0.370 79756 0.372

76446 0.747 78074 0.365 79758 0.439

76448 0.684 78075 0.488 79759 0.482

76449 0.872 78076 0.387 79761 0.461

76450 0.798 78101 0.394 79762 0.497

76452 0.677 78102 0.751 79763 0.444

76453 0.659 78104 0.797 79764 0.395

76454 0.647 78107 1.037 79765 0.487

76455 0.608 78108 0.448 79766 0.462

76457 0.587 78109 0.448 79770 0.214

76458 0.752 78111 0.489 79772 0.227

76459 0.763 78112 0.374 79776 0.482

76460 0.799 78113 0.491 79777 0.330

76461 0.677 78114 0.436 79778 0.542

76462 0.801 78115 0.524 79780 0.214

76463 0.719 78116 0.563 79781 0.308

76464 0.683 78117 0.474 79782 0.489

76465 0.677 78118 0.514 79783 0.530

76466 0.677 78119 0.594 79785 0.214

76467 0.677 78121 0.393 79786 0.214

76468 0.677 78122 0.470 79788 0.542

76469 0.598 78123 0.581 79789 0.305

76470 0.607 78124 0.389 79821 0.082


UPC TX HO Manual

05.15.14 HO-T-32 Ed. 5/14

76471 0.610 78125 0.979 79830 0.163

76472 0.681 78130 0.387 79835 0.121

76474 0.599 78132 0.429 79836 0.111

76475 0.816 78133 0.414 79837 0.179

76476 0.668 78140 0.561 79838 0.095

76481 0.776 78141 0.675 79839 0.075

76483 0.718 78142 0.979 79842 0.158

76484 0.940 78143 0.403 79843 0.152

76485 0.831 78144 0.645 79845 0.214

76486 0.765 78145 0.979 79846 0.214

76487 0.863 78146 0.979 79847 0.165

76490 0.743 78147 0.382 79848 0.214

76491 0.665 78148 0.384 79849 0.109

76501 0.599 78150 0.388 79851 0.129

76502 0.544 78151 0.643 79852 0.166

76504 0.719 78152 0.397 79853 0.095

76511 0.614 78154 0.374 79854 0.115

76513 0.551 78155 0.549 79855 0.135

76518 0.612 78156 0.524 79901 0.087

76519 0.563 78159 0.491 79902 0.114

76520 0.623 78160 0.452 79903 0.122

76522 0.547 78161 0.495 79904 0.115

76523 0.606 78162 0.979 79905 0.113

76524 0.712 78163 0.352 79906 0.132

76525 0.593 78164 0.757 79907 0.108

76526 0.691 78201 0.355 79908 0.104

76527 0.582 78202 0.409 79910 0.110

76528 0.656 78203 0.478 79911 0.110

76530 0.581 78204 0.411 79912 0.107

76531 0.800 78205 0.410 79915 0.149

76533 0.645 78206 0.414 79916 0.104

76534 0.546 78207 0.324 79918 0.103

76537 0.597 78208 0.423 79922 0.063

76538 0.606 78209 0.479 79924 0.076

76539 0.556 78210 0.341 79925 0.090

76541 0.637 78211 0.339 79927 0.092

76542 0.629 78212 0.480 79928 0.099

76543 0.640 78213 0.426 79930 0.095

76544 0.603 78214 0.338 79932 0.108

76548 0.717 78215 0.332 79934 0.083

76549 0.677 78216 0.396 79935 0.089

76550 0.589 78217 0.503 79936 0.094

76554 0.483 78218 0.493 79938 0.094

76555 0.524 78219 0.502

76556 0.502 78220 0.314

76557 0.686 78221 0.358

76558 0.611 78222 0.332

76559 0.614 78223 0.382

76561 0.571 78224 0.302

Documents

United Property & Casualty Insurance Company · 2015-08-18 · United Property & Casualty Insurance Company TEXAS HOMEOWNERS MANUAL UPC TX HO Manual 05.15.14 HO-A3-1 Ed. 5/14 RULE