Homeowners Program Florida

Homeowners Program—Florida

Underwriting Guidelines and General Rates BINDING AUTHORITY

Refer to your agency contract for specific binding authority.

MINIMUM PREMIUM

$500 per policy, excluding taxes and fees; HO-3 and HO-8 $350 per policy, excluding taxes and fees; HO-4 and HO-6

MINIMUM EARNED PREMIUM

25% is required. A higher minimum earned premium may charged as deter-mined by agent.

POLICY PERIOD

The company requires that the Homeowners policy be written on one-year policy terms. Subject to continued acceptability of the risk, the policy can be renewed for successive one-year periods. All renewals are subject to the premiums, forms and coverages in force at the time of renewal. Available in this Program

• Homeowners Package—

HO-3

• Homeowners Package—

HO-8

• Tenant Homeowner

Pack-age—HO-4

• Unit-Owner Package—HO-6

• Seasonal/Secondary

• Builder’s Risk/COC

• Inland Marine Supplemental

Guidelines

• In-Home Business

Supple-mental Guidelines

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POLICY FEE

A policy fee may be charged on each policy; amount to be determined by agent.

APPLICATIONS

A completed application, signed by the insured and the retail agent, is required on all policies. Complete underwriting information must accom-pany all submissions. SIC Comaccom-pany applications are available on the SIC Portal.

A renewal application is not needed unless there are changes in coverage conditions or exposures.

RENEWAL CERTIFICATES

Renewal certificates may be used if there is no substantial change in exposure.

ASSIGNMENT OR TRANSFER OF POLICY

No assignment or transfer of this policy is allowed without the written permission of the company.

INSPECTIONS AND/OR PHOTOS

An inspection is required within 30 days of policy inception. Two photos of the front and back with Actual Cash Value (ACV) and Replacement Cost (RC) or Functional Replacement Cost (FRC) evaluations on all policies. New inspection and photos are required every third year of renewal or if coverage is allowed to lapse.

Homeowners Program—Florida

The company requires that all values be based on 100% of the Actual Cash Value (ACV), Replacement Cost (RC) or Functional Replacement Cost (FRC) value. An assessment of the property values should be done to de-termine the applicable actual cash value or replacement cost of all buildings and contents.

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CORPORATE OWNED PROPERTY

Occupant of the property must be the principal of the corporation. Premises Liability limitation form HOS-96s is required when writing liability.

WOODSTOVE/COAL BURNING QUESTIONNAIRE (UTX-QUES-304) AND PHOTO

Required on all new business with supplemental woodstove/coal heat.

ELIGIBILITY

Homeowner Package & Unit-Owners Policy (HO 00 03 or HO 00 06)

The dwelling, condominium or co-operative unit must be owner occu-pied and used exclusively as a private residence. Dwelling must not contain more than two single-family residential units. (Applicable only to HO 00 03.)

Wiring, Heating and Plumbing must have been fully updated within the past 50 years. Roof must be excluded if not fully updated in the past

25 years. Contact Underwriting for exceptions such as slate and metal roofs.

Homeowner Policy (HO 00 08)

The dwelling must be owner occupied and used exclusively as a pri-vate residence. Dwelling must not contain more than two single-family residential units.

Wiring and Heating must have been fully updated within the past

50 years. Roof must be excluded if not fully updated in the past

25 years. Contact Underwriting for exceptions such as slate and metal roofs.

Tenant Homeowners Policy (HO 00 04)

For tenants of a dwelling or apartment situated in any building; or the owner occupant of a dwelling, cooperative unit or of a building

contain-Homeowners Program—Florida

• Risks with existing damage or unsettled loss

• Bankruptcy, repossession or foreclosure (if closed) within the last

three years

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• Risks with TIV over $500,000 (A, B, C and D added together) in

Protection Class 9 or 10. (PC 9 and 10 questionnaire, UTX-321, required)

• Seasonal/Secondary risks in PC 9 or 10

• Dwellings or adjacent structures with a commercial exposure

• Personal property in units adjoining commercial occupancies

• Participating or Excess policies

• All requests to add an additional insured

• Risks with unfenced swimming pools and/or trampolines

• Business Pursuits (Exposure may be eligible for In-Home Business

Homeowners Package Policy.)

• Professional athletes and individuals in the entertainment industry

• Risks with lapse in coverage over 30 days

PROHIBITED COVERAGES AND RISKS

• Any open bankruptcy/foreclosure/repossession (if open) within the

past three years

• Dwellings with more than two mortgagees

• Woodstoves, space heaters, kerosene or coal burning stoves as

pri-mary source of heat

• Vacant or Unoccupied

• Farm and Ranch Properties

• Mobile Homes

• DIC (Difference in Conditions)

• Replacement Cost on Hand-Hewn Log buildings

PROHIBITED FOR LIABILITY COVERAGE

• Risks with non-domestic, guard or vicious animals

• Home Day Care exposures with swimming pool, trampoline and/or dogs

• Liability extended to daily rental properties

Note: When issuing a HO policy without Liability, the declaration page must show “Not Covered” for the Liability section and all Liability forms must be deleted.

CONSTRUCTION DEFINITION Masonry

• Exterior walls must be made of 100% non-combustible materials such

as: adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile or similar materials

Frame

Homeowners Program—Florida

Territory 1—Broward, Monroe, Palm Beach

Territory 2—De Soto, Hardee, Highlands, Manatee, Pasco

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Territory 3—Alachua Holmes Orange

Baker Jackson Osceola

Bradford Lafayette Putman

Calhoun Lake Seminole

Clay Leon Sumter

Columbia Liberty Suwanee

Gadsen Madison Union Gilchrist Marion Washington Hamilton

Territory 4—Brevard Gulf Pinellas

Bay Hendry Polk

Charlotte Hernando St. Johns

Citrus Indian River St. Lucie

Collier Jefferson Santa Rosa

Dixie Lee Sarasota

Duval Levy Taylor

Escambia Martin Volusia

Flagler Nassau Wakulla

Franklin Okaloosa Walton Glades Okeechobee

Territory 5—Hillsborough Territory 6—Dade

Homeowners Program—Florida

Property Rating Exceptions (Surcharges and Credits) DEDUCTIBLE

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A deductible of $500 All Other Perils (AOP) is standard on all HO policies. A minimum of $1,000 Wind and Hail deductible is required.

Optional Deductibles

• $1,000 deductible—all perils credit 10%

• $2,500 deductible—all perils credit 15%

• $5,000 deductible—all perils credit 20%

PREMISES ALARM AND FIRE PROTECTION SYSTEM CREDITS • Local Alarm—credit 2%

• Central Station Fire Alarm only—credit 5%

• Central Station Burglar Alarm only—credit5%

• Central Station Fire and Burglar Alarm—credit 10% Attach form HO 04 16, Premises Alarm or Fire Protection System.

ADDITIONAL CREDITS

• A 10% credit for new homes 10 years old or newer

MITIGATION CREDITS (not available on ex-wind business)

• 10% credit for roof equipped with hurricane straps

• 5% credit for Hip Roof

• 5% credit for Impact Resistant Glass

• 5% credit for Wind Shutters

WIND GUIDELINES Statewide

• Definition of coastal waters: island, gulf, ocean, bays and intercoastal

• Maximum allowable TIV of $1,000,000 (Coverages A, B, C and D added

together)

• Roof Updates:

o All roofs must be updated within the last 25 years. If not updated,

roofs must be excluded

**See ex-wind guidelines and rates Monroe County

**Exclude wind and hail on all risks

Broward, Miami-Dade, and Palm Beach Counties

**Exclude wind and hail within three (3) miles of coastal waters

Homeowners Program—Florida

Hillsborough County

• Please refer to Remainder of State guidelines

HOME OWNERS —AR HOME OWNERS —AR HOME OWNERS —FL Panhandle*

• All construction built 2002 or newer

**Exclude wind and hail within two (2) miles of coastal waters

• 5% wind and hail deductible over two (2) miles of coastal water (subject

to $1,000 minimum)

*Panhandle Counties are: Escambia, Santa Rosa, Okaloosa, Walton, Holmes, Jackson, Jefferson, Leon, Wakulla, Washington, Calhoun, Bay, Gulf, Liberty and Franklin.

Remainder of State

**Exclude wind and hail within one (1) mile of coastal waters

• 5% wind and hail deductible within one (1) to 10 miles of coastal waters

(Subject to $1,000 minimum)

• 2% wind and hail deductible over 10 miles from coastal waters (Subject

to $1,000 minimum)

WOODSTOVE—If the residence has any type of wood or coal burning facility, surcharge an additional $50 per location.

LIMITED ANIMAL LIABILITY

$10,000 animal liability is included within the base policy premium by attach-ing form UTS-360s.

The above form excludes liability for the following breeds of dog: Rottweiler, Doberman Pinscher, Akita, Bullmastiff, wolf hybrids, Chow Chow and Pit Bull, including but not limited to, American Staffordshire Terrier, Staffordshire Bull Terrier or American Pit Bull Terrier and/or any animal liability for attack, nondomesticated or guard dogs.

• Animals with previous bite history—Animal sublimit not available. Do not

attach the Limited Animal Liability form, UTS-360s

EXTENDED LIABILITY

Liability may be extended to any owned one or four family dwelling. Form HOS-44s.

Homeowners Program—Florida

In addition to the general Homeowner Guidelines

PC 1-8 PC 9-10

Deductible Frame Masonry Frame Masonry

$ 500 .30 .29 .60 .58 $1,000 .28 .27 .56 .54 $2,500 .26 .25 .52 .50 $5,000 .24 .23 .48 .46 HOME OWNERS —FL HOME OWNERS —FL

• Apply rate to total TIV per $100 (Coverages A+B+C+D added together)

• Apply all surcharges/credit percentages if applicable (other than AOP

deductible credits)

• Available on HO-3, HO-4, HO-6 and HO-8

SEASONAL/SECONDARY HOMEOWNER GUIDELINES

In addition to the general Homeowner Guidelines:

• HO-8, HO-3 and HO-6 eligible

• Minimum Deductible $1,000 (no credit)

• Surcharge base premium 10%

• Regular monitoring or caretaker required

• Owner occupied only

• Do not attach UTS-32g.

• Submit:

o Coverage A values below $75,000

o Protection Class 9 or 10

BUILDERS RISK / COURSE OF CONSTRUCTION (COC) GUIDELINES

In addition to the State Homeowner Guidelines:

• HO-3 eligible and must be written on an annual basis

• Fully completed and signed Scottsdale Builder’s Risk Supplemental

application

• Coverage must be written for 100% of completed dwelling amount

• A minimum of $2,500 AOP deductible applies

• Add minimum $100 flat charge to the base Homeowner program

premium

• Attach HOS-93s, HOS-95S and HOS-111s in addition to all other

appli-cable forms

• Contractor must be a licensed / insured builder

• Contractors may not be listed as Additional insureds

• All renewals must be submitted for approval

• Conversion to full HO-3 policy is optional upon completion

Homeowners Program—Florida

BUILDERS RISK / COURSE OF CONSTRUCTION (COC) GUIDELINES (CONTINUED)

$25,000 Theft of Building Materials is included and requires:

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• Preventive measures be taken to protect property, including locking up valuable items from public view

• Regular visual inspection of property by owner/builder/ contractor

• Materials delivered when needed and not stock piled or stored on site

• Building and materials should be secured as soon as possible

Homeowners Program—Florida

Homeowners

(HO-8, HO-3) Minimum Maximum

Dwelling (Coverage A) $5,000 Submit if over Binding Authority

Adjacent Structures (Coverage B) 10%* 200%* Unscheduled Personal Property (Coverage C) 50%* 100%* Loss of Use (Coverage D) 10%* 20%* Loss Assessment $1,000 $25,000 HOME OWNERS —FL Tenant Homeowners

(HO-4) Minimum Maximum

Unscheduled Personal

Property (Coverage C) $5,000 Submit if over Binding Authority

Loss of Use

(Coverage D) 10%** 100%**

Loss Assessment $1,000 $25,000

Unit-Owners

(HO-6) Minimum Maximum

Dwelling (Coverage A)

(Additions & Alterations)

$1,000

Submit if over Binding Authority Adjacent Structures

(Coverage B) N/A N/A

Unscheduled Personal

Property (Coverage C) $5,000 Submit if over Binding Authority

Loss of Use

(Coverage D) 10%** 100%**

Loss Assessment $1,000 $25,000

If Liability is written the following applies:

All Policy Options Minimum Maximum

Liability (Coverage E) $25,000 Submit if over Binding Authority

Medical Payments to

Others (Coverage F) $500 $10,000

* Based on limit of liability requested for Coverage A.

Homeowners Program—Florida

Homeowners Package Coverages Available Buildings Personal Property Surcharges/Credit Base Rates HO 00 08 NP/FRC NP/ACV +5% HO 00 08 with

HO 04 81 NP/ACV NP/ACV Use Base Rates

HO 00 08 with HO 04 90 NP/FRC NP/RC +10% HO 00 08 with HO 04 81 and HO 04 90 NP/ACV NP/RC +4% HO 00 03 DPL/RC NP/ACV +10% HO 00 03 with HOS-112s DPL/RC DPL/ACV +25% HO 00 03 with HO 04 81 DPL/ACV NP/ACV +5% HO 00 03 with HO 04 90 DPL/RC NP/RC +15% HO 00 03 with HO 04 90 and HOS-112s DPL/RC DPL/RC +30% HO 00 03 with HO 04 81 and HO 04 90 DPL/ACV NP/RC +8%

NP = Named Perils Only BF = Broadform

DPL = All “Direct Physical Loss” to Property

ACV = Actual Cash Value RC = Replacement Cost FRC = Functional Replacement

Cost

Please refer to Coverage Form for specific Definitions, Conditions, Ex- ceptions and Exclusions. All con-flicts in Definitions or Coverages offered will default to the Coverage Form attached to the policy.

HOME OWNERS —FL Tenant Homeowners Coverages Available Buildings Personal Property Surcharges/Credit Base Rates HO 00 04 No Coverage BF/ACV -30% HO 00 04 with HO 04 90 No Coverage BF/RC -20%

Homeowners Program—Florida

PROGRAM OPTIONS AVAILABLE (CONTINUED) Unit-Owners Homeowners Coverages Available Buildings Personal Property Surcharges/Credit Base Rates HO 00 06 BF/RC BF/ACV -35% HO 00 06 with HO 04 81 BF/ACV BF/ACV -40% HO 00 06 with HO 17 32 DPL/RC BF/ACV -30% HO 00 06 with HO 17 32 and HO 04 90 DPL/RC BF/RC -25% HO 00 06 with HO 04 90 BF/RC BF/RC -30% HO 00 06 with HO 04 81 and HO 04 90 BF/ACV BF/RC -30%

NP = Named Perils Only BF = Broadform

DPL = All “Direct Physical Loss” to Property

ACV = Actual Cash Value RC = Replacement Cost FRC = Functional Replacement

Cost

Please refer to Coverage Form for specific Definitions, Conditions, Ex- ceptions and Exclusions. All con-flicts in Definitions or Coverages offered will default to the Coverage Form attached to the policy.

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Homeowners Program—Florida

In addition to the basic coverages, the following increases are available when the premium indicated is charged:

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Adjacent Structures

To increase above the 10% included (per $1,000 of additional coverage requested): Masonry Frame Territory 01 $5.00 $6.00 Territory 06 $5.25 $6.90 Remainder of State $4.00 $5.00 Personal Property

To increase above the 50% included (per $1,000 of additional coverage requested): Masonry Frame Territory 01 $5.00 $6.00 Territory 06 $5.25 $6.90 Entire state $3.00 $4.00 Loss of Use

To increase limits over the 10% included (per $1,000 of additional coverage requested):

Masonry Frame

Entire state $3.00 $4.00

Unit-Owners Building Coverage

To increase limits over the $1,000 included (per $1,000 of additional coverage requested):

Masonry Frame

Entire state $4.00 $5.00

Loss Assessment Increased Limits

To increase limits over the $1,000 included (per $1,000 of additional coverage requested):

Homeowners Program—Florida

To increase above the $25,000 included:

Liability Limit Premium

$ 50,000 $ 14 $ 100,000 $ 20 $ 300,000 $ 46 $ 500,000 $ 59 $1,000,000 $118 HOME OWNERS —FL

Secondary/Additional Residence Rented to Others

Attach HOS-44s and add the following additional premium to Personal

Liability for each additional location:

Liability Limit 1-2 Family 3-4 Family

$ 25,000 $ 46 $ 49 $ 50,000 $ 66 $ 72 $ 100,000 $ 99 $107 $ 300,000 $131 $142 $ 500,000 $157 $178 $1,000,000 $314 $356

Personal Medical Payments/Medical Payments to Others

Liability Limit Primary Residence

Additional Resi-dences

$ 500 Included Add $9

$1,000 Add $9 Add $13

Each additional $1,000 Add $8 Add $8

Maximum available limit is $10,000

Acreage

Number of Acres Premium

0 - 5 Included

6 - 25 $2.50 Per Acre or $25.00

(whichever is greater)

Homeowners Program—Florida

(Available on primary owner-occupied locations only) Limit must be equal to the basic liability limit. Attach form HO 24 82

All Target risks are to be submitted to the Company. Premium: Limit Premium $ 25,000 $10 $ 50,000 $15 $ 100,000 $20 $ 200,000 $25 $ 300,000 $30 $ 500,000 $40 $1,000,000 $75

Extended Replacement Cost Amount Surcharge

25% 10% of Coverage A premium

Complete and attach form HO 23 69. Coverage is only available with form HO-3. Building must be 50 years old or newer to qualify for coverage. Home must be insured to 100% replacement cost and an inspection is required.

Water Backup and Sump Discharge or Overflow (providing there are no prior water losses of this type).

Limit Premium

$ 5,000 $100

$10,000 $150

$25,000 $250 Complete and attach form HOS-88S. Coverage is only available with form HO-3. Deductible must be a minimum of $250.

Homeowners Program—Florida

Available on HO-3

Charge 2% of the base premium, attach form HOS-108s

HOME OWNERS —FL HOME OWNERS —FL

Upgrade to Green Coverage

Available on HO-3. Policy must include Personal Property Replacement Cost coverage.

Charge $.02 per $100 of TIV, attach form HOS-107s

In Home Business—Refer to In Home Supplemental Coverage Guidelines or the company underwriter for availability.

Inland Marine Supplemental—Refer to Inland Marine Supplemental Cov-erage Guidelines or the company underwriter for availability.

In-Home Day Care—Coverage is available for a maximum of five children. In-Home Day Care liability limit must equal the Personal Liability limit. Sexual and/or physical abuse limit of $25,000 is included, with no option to increase.

Additional premiums are applied on a Per Child basis.

Liability Limit Premium

$ 25,000 $27

$ 50,000 $33

$100,000 $46

$300,000 $62

$500,000 $72 Note: These premiums are separate from the Personal Liability limits.

Homeowners Program—Florida

• Central station alarm required if total values exceed $25,000

• Certified appraisals are required on items valued over $2,500 and must

be less than three years old

• Appraisals must be received within 30 days of binding

• A completed application or SIC supplement, including the insured's

oc-cupation(s) and signature, is required

SUBMIT

• Any single item over $10,000

• Scheduled values exceeding a total of $50,000

• Any prior Inland Marine loss

• Extensive travel

• Gems not in a setting

• Musical Instruments used professionally

PROHIBITED

• More than one Inland Marine loss within the past three (3) years

• Computer equipment, baseball cards, comic books and/or collections

where values fluctuate frequently.

• Blanket Coverage

• Artist’s Own Work

• Hearing Aids

RATES

Jewelry—Broward, Dade and Palm Beach Counties Ladies Mens Remainder of State Ladies Mens 3% 4% 2% 3% Furs .75% Silver 1% DWELLING 200 2 — MI HOME OWNERS —FL

Homeowners Program—Florida

Include the corresponding clause numbers for each type of property you are writing. HOME OWNERS —FL Jewelry #1 #2 if vault coverage #5 if alarm required #7 #9 #12 if residence safe #13 if applicable #14 Furs #1 #5 if alarm required #9 #11 #13 if applicable #14 Silver #5 if alarm required #9 #10 #13 if applicable Fine Arts #4 if carpets #5 if alarm required #8 #10 #11 #13 if applicable Musical Instruments #5 if alarm required #8 #9 #11 #13 if applicable #14 Guns #5 if alarm required #6 #9 #13 if applicable #14

Stamps and Coins

#5 if alarm required #9 #10 #13 if applicable #14 Cameras #3 #5 if alarm required #9 #13 if applicable #14 Miscellaneous #5 if alarm required #13 if applicable #14

Homeowners Program—Florida

In-Home Business Supplemental Guidelines ELIGIBILITY

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An in-home business includes a retail or service business operated from the insured's place of residence having the following characteristics. It must:

• Be operated by the insured and/or another immediate family member

who resides in the insured's household

• Employ no more than three employees, other than independent

contrac-tors or distribucontrac-tors

• Occupy less than 50% of the available residence area

• Be incidental to the occupancy of the building as a private residence

IN-HOME BUSINESS GUIDELINES

All risks must meet the following Underwriting Guidelines.

• The limit of insurance for business personal property must equal 100%

of ACV or replacement value

• The applicant does not operate any other business at a different location

under the same legal name as this business

• The dwelling is not a mobile home or trailer

• The applicant’s occupation must not be a “target” occupation of a

pro-fessional entertainer, athlete, media personality, state or federal political figure

• The applicant does not directly import foreign products

• The applicant does not repackage food or personal care products to be

sold under his/her own label

• The applicant is not involved in the sale or manufacturing of explosives

or propellants, or any other hazardous product

• No single item of merchandise the applicant sells directly is valued in

excess of $2,500

• The applicant does not install any products, excluding installation of

Homeowners Program—Florida

The following item(s) are in addition to the Submit Items located in the Homeowners Package Program Guidelines.

• Any business-related claim within the last three years

• More than $25,000 business personal property value

• More than 5,000 square feet of total floor area for the residence,

includ-ing basements, garages and outbuildinclud-ings within 100 feet of the resi-dence. Regardless of area of the residence, no more than 50% may be used for the business activity.

• Maximum gross annual sales/receipts derived from the business activity

of $150,000 for sales of merchandise or $350,000 for a service business

The following lists are the only businesses eligible. Professional Liability is

excluded on all classes except Daycare.

Type of Business Rate

Group

Abstracting and Indexing Service 2

Accounting Service 2

Adjuster (Public or Independent Claim Adjuster) 2

Advertising Specialty Items Sales 2

Antique Gallery/Shop (1) 1

Appraisal Service 2

Art Gallery/Art Studio (1) 1

Artist Supplies 1 Auctioneer 1 Bakeries 3 Barber Supplies 1 Beauty Supplies 1 Book/Magazine Distributor 2 Bookbinding 1 Bookkeeping Service 2

Camera/Photography Sales or Repair 3

Candy/Nut Confections 1

Ceramics 1

Clock or Watch Repair 1

Clowns, Magicians, Entertainers excluding Bands and Disc Jockeys

3

Computer Consultants and Trainers who are not involved in development of custom applications/programs

2

Computer and VCR Repair 3

Computer Service Bureau 2

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Homeowners Program—Florida

Type of Business Rate

Group

Crafts 1

Day Care—See Separate Rates and Guidelines ---

Desktop Publishing 2

Distributor of Household Products (Amway, Fuller Brush, Shak-lee, etc.)

1

Draftsman 2

Editorial Service/Proofreaders 2

Engraving 3

Expert Witness Consultants 2

Financial Planning, excluding discretionary trading authority and/or access to customer’s funds

2

Floral Arrangement 1

Food Broker 2

Food Supplements/Vitamins 1

Framing 1

Gift Delivery Service (Balloons, Gift Baskets, etc.) 2

Gift Shop 1

Glassware 1

Graphic Artist/Designer 2

Hearing Aid Sales 1

Hobby and Model Supplies excluding explosives and

propel-lants, glues and paints 3

Information Search Retrieval 2

Insurance Agent 2

Interior Decorator 2

Jewelry (costume) 1

Kitchen Supplies (Tupperware, etc.) 1

Ladies’/Girls’ Clothing, Accessories 1

Lingerie 1

Leather Goods 1

Loan Originator Service 2

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Homeowners Program—Florida

Type of Business Rate

Group

Personal Care Products 1

Personalized Books and Gifts 2

Photographer/Photography Studio 3

Professional Organizer 2

Real Estate Agent 2

Religious Goods 1

Residential Inspection Service 2

Resume Service 2

Rubber Stamp Business 2

Secretarial Service 2

Shoe Repair 3

Stationery and Paper Goods 1

Tailoring, Alterations, Seamstresses 1

Teachers/Tutors except sports, physical education, industrial or martial arts (2)

3

Telemarketing, Telephone Solicitation with no more than three (3) phone lines involved

2

Telephone Answering Service/Voicemail 2

Toner Cartridge Recharging 3

Transcribing, Court Reporters 2

Translator 2

Trophy Sales 1

Video and Music Sales/Rental 1

Wedding and Party Planners 2

Wedding Cake and/or Cookie Sales 3

Windshield Repair 1

Wood Products excluding toys and furniture manufacturing 1

Word Processing 2

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Homeowners Program—Florida

In-Home Business Rates

In-Home Business Coverage is offered as an extension to the regular

Homeowners policy. This coverage cannot be written without the

Home-owners Policy. In addition to the rate charged for the basic HomeHome-owners

policy, the following rates apply separately to In-Home Business Coverage

and must be shown on the Supplemental Declaration Page,

form HOS-SD-1.

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BASE PREMIUM INCLUDES: Business Personal Property

On Premises $2,500

Business Liability

Per Occurrence/Aggregate $25,000

Business Loss of Income

Per Month $1,000 Med Pay Each Person Aggregate $ 500 $10,000 RATES

Base Rate Group Rate

1 $120

2 $130

3 $190

INCREASED LIMITS AND RATES

Business Personal Property Coverage (BPP)—(To increase above the $2,500 included) Group Rate—ACV 1 $1.30 2 $ .90 3 $2.60 Rates per $100

Homeowners Program—Florida

Liability Limit* (To increase above the $25,000 Occurence/$25,000 Aggre-gate included Amount Occurrence/Aggregate $50,000/$50,000 $ 25 $100,000/$100,000 $ 35 $300,000/$300,000 $ 45 $500,000/$500,000 $ 55 $1,000,000/$1,000,000 $110 HOME OWNERS —FL

*Business Liability Occurrence Limit—must be equal to the Homeowners Occurrence Limit.

Med Pay—the limit per person can be increased up to $10,000 maximum. The premium charge is included in the increased Med Pay limits shown in the Increased Limits and Rates section of the Rating Specifications/State Exceptions of the Homeowners Package Program.

Homeowners Program—Florida

In-Home Day Care Center Supplemental Rates—Rate Group 4 UNDERWRITING REQUIREMENTS

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• Licensed for one to 10 children

• Outdoor play areas must be fenced – if applicable

• Sexual and/or Physical Abuse is mandatory $25,000/$50,000 included

(HOS-17)

• Applicant must be licensed by proper authority (on file with General

Agent).

• Day Care application, GLS-APP-5s or equivalent must be completed

SUBMIT

• Refer to general Homeowners Package Program or the In-Home

Busi-ness Supplemental Guidelines

PROHIBITED

• Home Day Care exposures with swimming pools, trampolines and/or

dogs

• Risk having previous or pending allegations of sexual or physical abuse

• If applicant is not properly licensed or does not meet state requirements

• Prohibit items shown in the general Homeowners Guidelines

Homeowners Program—Florida

Base Rate $255 includes: Business Personal Property

On Premises $ 2,500 Business Liability Per Occurrence Aggregate $ 25,000 $100,000

Business Loss of Income

Per Month $ 1,000 Med Pay Each Person Aggregate $ 500 $ 10,000 HOME OWNERS —FL

INCREASED LIMITS AND RATES

Business Personal Property Coverage (BPP)—(To increase above the $2,500 included)

Rate—ACV $.65

Rate is per $100.

Replacement Cost—Surcharge rates 15%.

Liability Limit* (To increase above the $25,000 Occurrence/$100,000 Ag-gregate included)

Policy Limits

(each occurrence) General Aggregate

Rate (per Child) $ 50,000 $ 100,000 $16 $ 100,000 $ 100,000 $18 $ 300,000 $ 300,000 $22 $ 300,000 $ 600,000 $23 $ 500,000 $ 500,000 $26 $ 500,000 $1,000,000 $27 $1,000,000 $1,000,000 $32

*Business Liability Occurrence Limit—must be equal to the Homeowners Occurrence Limit.

Pool Charge—an additional flat charge of $50 is required when there is a pool on premises.

Homeowners Program—Florida

Note: These premiums are separate from the personal liability increase premiums shown in the “Rates” section. For optional professional liability coverages see “In-Home Day Care Center Optional Coverages.”

HOME OWNERS —KS HOME OWNERS —FL

Professional Liability Coverage—to include in Base

Policy Limits

(each occurrence) General Aggregate

Professional Liability Charge (per location) $ 25,000 $ 100,000 $ 7 $ 50,000 $ 100,000 $ 8 $ 100,000 $ 100,000 $ 9 $ 300,000 $ 300,000 $12 $ 300,000 $ 600,000 $13 $ 500,000 $ 500,000 $14 $ 500,000 $1,000,000 $18 $1,000,000 $1,000,000 $20

Mandatory Forms if written: UTS-34 and GLS-25s

Note—these premiums are separate from the Personal Liability increase premiums shown in the “Rates” section.