ARIZONA. Homeowner. Product Guide. What s New. Discounts. General Rules. How To Reach Us. Additional Rating Elements HO-3 and HO-5.

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1 What s New General Rules Discounts ARIZONA Homeowner Product Guide How To Reach Us Phone / Home Office Agency Services Claims Customer Service (Billing) Marketing Materials Supplies Website Target Market Product Descriptions Link to HO-3/HO-5 Homeowner Comparison Policy Features Basic Coverage Limits Description of Coverage Program Guidelines Eligibility Cancellation or Reductions in Limits of Liability or Coverages Construction Definitions Mandatory Coverages Manual Premium Revision Multiple Company Insurance Other Insurance Policy Changes Policy Period Premium Adjustments Premium Rounding Rule Property Renewal Increases Protection Information Renewal Plan Seasonal Dwelling Definition Secondary Residences Single Building Definition Transfer or Assignment Forms and Endorsements Descriptions Coverages Deductibles Coverage E Personal Liability Coverage F Medical Payments Loss of Use Other Exposures Other Insured Location Occupied by Insured Personal Property Reduction in Limit Residence Employees Secondary Residence Premises Burglary Protection Discount Claims Free Discount Fire Premium Tax Credit Fire Protection Discount Loyalty Discount Newer Home Discount Multi-Home Discount Package Policy Discount Additional Rating Elements HO-3 and HO-5 Age of Insured Heating Type Individual Premium Modifier Number of Additional Interests Number of Families Number of Lapses Number of Stories Personal Status Roof Age Roof Type Swimming Pool Total Living Area Woodstove Forms and Endorsements List Mutual of Enumclaw Insurance Company 0415R

2 What s New Effective Date April 10, 2015 What s New Correcting Effective Date Prior Changes Adding Sprinkler Protection Discount. Adding Community Protection Discount. Adding notation to liability forms that they are not available on secondary or seasonal occupancy policies. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 2

3 How To Reach Us General Contacts Home Office... (800) Agency Services (Help Desk)... Ext Claims... Ext To file a Claim --- Claim Response Center Or online at MutualofEnumclaw.com Customer Service... Ext Billing Questions... Ext or direct (800) To make Payments....Ext or direct (888) Payment Address... P.O. Box 34983, Seattle, WA e-crm@mutualofenumclaw.com Marketing Materials... Ext TZehnder@MutualofEnumclaw.com Supplies... Ext SupplyRequest@MutualofEnumclaw.com Website MutualofEnumclaw.com Effective April 10, 2015 Mutual of Enumclaw Insurance Company 3

4 Target Market Our homeowner product is designed with the preferred individual or family in mind. The best prospect for our company will be customers who package their home and auto with us. Customers should have a history of preferred insurance, be loss-free, have demonstrated residential, occupational and financial stability, and own a newer, above average value, well-maintained residence. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 4

5 Product Descriptions Link to HO-3/HO-5 Homeowner Comparison - Arizona This quick reference highlights the coverage differences between the Special and Enhanced coverage forms. Please refer to the policy form for complete details. Policy Features Homeowner policies offer protection for property and liability losses, with optional endorsements to tailor the policy to the needs of the customer. 1. Special Form (HO 3002) This policy includes: Special form coverage for the dwelling and other structures on a replacement cost basis. Named perils coverage for personal property anywhere in the world. Personal liability coverage, including personal injury and owned snowmobiles at no extra charge. Medical Payments to Others without a per occurrence aggregate limit. 2. Contents Broad Form (HO 4002) This policy, for the tenant homeowner, includes: Named perils coverage for personal property anywhere in the world. Building Additions and Alterations coverage for improvements made by a tenant to his living area. Personal liability coverage, including personal injury and owned snowmobiles at no extra charge. Medical Payments to Others without a per occurrence aggregate limit. 3. Enhanced Form (HO 5002) This policy includes: Special form coverage for the dwelling and other structures. Open Perils coverage for personal property anywhere in the world on a replacement cost basis. Personal liability coverage, including personal injury and owned snowmobiles at no extra charge. Medical Payments to Others without a per occurrence aggregate limit. Choice of blanket protection or Extended Replacement Cost for the dwelling after a loss. Extended Replacement Cost coverage provides an additional 50% of Coverage A or Coverage B in the event of a covered loss. Ordinance or Law Coverage at a limit of 25% of Coverage A. Limited motor vehicle coverage for golf carts while used on a golf course or roadway designed for use by a golf cart. 4. Unit-Owners Form (HO 6002) This policy, for the condominium owner, includes: $1,000 named perils coverage for additions and alterations to the condominium unit or structures owned on the residence premises. Named perils coverage for personal property anywhere in the world. Personal liability coverage, including personal injury and owned snowmobiles at no extra charge. Medical Payments to Others without a per occurrence aggregate limit. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 5

6 Product Descriptions Basic Coverage Limits a. The minimum Limits of Liability required under the Homeowners Policy are as follows: Section I - Property Damage Coverage HO-3 HO-5 HO-4, HO-6 A Dwelling Refer to Refer to $1,000 (HO-6) Minimum Limit Eligibility. Eligibility. B Other 10% of A 10% of A -- Structures C Personal 50% of A 70% of A Refer to Eligibility. Property D Loss of Use 20% of A 30% of A 20% of C HO4 40% of C HO6 Section II-Liability All Forms Coverage E-Personal Liability $100,000 Each Occurrence Coverage F-Medical Payments to Others $1,000 Each Person b. ALL FORMS-The limit of liability for Coverages C or D of Section I and E or F of Section II may be increased. c. FORMS HO-3 and HO-5 - Under Coverage B of Section I, an additional amount of insurance may be written on a specific structure. d. FORM HO-3 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 on the dwelling. Reduced Coverage C is not permitted if HO-42 Permitted Incidental Occupancies (Residence Premises) or HO M290F Personal Property Replacement Cost is present. e. FORM HO-6 - The limit of liability for Coverage A of Section I may be increased. Description of Coverage a. Section I Coverages-Property Damage The following is a general description of the coverages provided by the individual Homeowner policy forms. The policy should be consulted for exact contract conditions. Fire or Lightning Windstorm or Hail, Explosion, Riot or civil commotion, Aircraft, Vehicles or Smoke Vandalism or malicious mischief Theft Breakage of glass or safety glazing material Volcanic eruption Falling objects, Weight of ice, snow or sleet, Accidental discharge of water or steam, Sudden and accidental tearing apart of a heating system or appliance, Freezing, Sudden accidental damage from electrical current Additional risks with certain exceptions (Special Coverage) HO-3 Cov. C Cov. C Cov. C Cov. C Cov. C Cov. C Cov. C Cov. A, B & D HO-4, HO-6 HO-5 b. Section II Coverages Liability All Forms (1) Coverage E - Personal Liability-Covers payment on behalf of any insured of 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. No Effective April 10, 2015 Mutual of Enumclaw Insurance Company 6

7 Program Guidelines These guidelines and rules are designed to set general parameters for underwriting acceptability. Any risk falling outside these binding authority limits may be submitted for consideration on a non-bound basis. Other single factors or combinations of factors may make a risk unacceptable. Authority for final approval of any individual risk rests with your underwriter. Eligibility The Homeowners Program is designed to meet the needs of a broad range of insureds. The following general guidelines apply to all policy forms. Do not bind: any risk without prior continuous Homeowners insurance. This rule does not apply to first time homeowners. structures insured under Coverages A and B which are not insured to 100% of the cost to replace the structure. any risk with a solid fuel heating appliance as a primary heat source. The primary heating system must be conventional and thermostatically controlled. any risk with a solid fuel appliance unless it is certified by Underwriters Laboratories or the International Conference of Building Officials. risks with aluminum or knob and tube wiring. coverage on a structure without a continuous, concrete foundation, e.g. with post and pier-block foundation structures of unique architectural design. risks without 30 feet of clear defensible space for homes in brush or forested areas in protection class 9 or 10. risks located in a brush or forested area with a shake roof. risks in protection class 9 or 10 with a shake roof. dwellings with a total living area less than 400 sq ft. a split the line risk (where coverage on one risk is split between Mutual of Enumclaw Insurance Company and another carrier). a risk with an unfenced trampoline on the premises; a 5 fence with a self-locking gate is required. a risk with an unfenced swimming pool (larger than 6 ft in diameter and 3 ft deep) on the premises; a 5 fence with a self-locking gate is required. risks with any business occupancy unless eligible for insurance as a Permitted Incidental Occupancy. risks with the following breeds of dogs: Doberman, Rottweiler, Presa Canario, Chow Chow, Akita or Pit Bull, and/or any other vicious dog on the premises. risks with more than one personal saddle horse per member of the household, not to exceed (5) horses total. a risk when the applicant has no verifiable source of income. a risk when the applicant is a target. Target risks have high visibility or may be in positions where the risk of a claim under personal injury is high, or may be presumed to be wealthy and able to pay a large judgment. coverage for insureds whose property is encumbered with three or more mortgages, liens or contracts of sale. coverage for recreational vehicles unless the operators are eligible for preferred auto insurance. scheduled articles coverage for a single item exceeding $30,000, or a total schedule exceeding $75,000. coverage on a secondary dwelling without the primary dwelling insured by Mutual of Enumclaw Insurance Company or Enumclaw Property and Casualty Insurance Company. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 7

8 Program Guidelines Special Form (HO 3002) A Special Form policy may be issued: to an owner/occupant of a dwelling used exclusively for private residential purposes and containing not more than 2 units. for dwellings in the course of construction which are: a. new construction (not under renovation). b. built by a licensed contractor. c. insured to 100% of completed value. d. intended for occupancy by the Named Insured. for dwellings with farming exposure which is incidental to the occupancy of the dwelling and farming is not the primary occupation of the dwelling owner. (Refer to Forms and Endorsements section for coverage availability.) for risks which are not constructed of hand hewn logs. Qualifying log homes should not be written for less than a minimum cost of $250 per square foot and are subject to inspection to determine the definitive value. Extended Replacement Cost Coverage is not available on log constructed homes. for dwellings constructed on or after 2000 with EIFS siding. for primary dwellings with Coverage A values no less than $100,000 or no greater than $700,000. (Please note: if dwelling is located in protection class 9 or 10 the maximum Coverage A is $500,000.) for secondary dwellings with Coverage A values no less than $50,000 or no greater than $700,000. (Please note: if dwelling is located in protection class 9 or 10 the maximum Coverage A is $500,000.) Contents Broad Form (HO 4002) The Contents Broad Form policy may be issued: to tenants (non-owner) of a dwelling, apartment or mobilehome no older than 10 years. to the owner/occupant of a dwelling, cooperative unit or of a building containing an apartment which is not eligible for another Homeowners policy form. to risks with a Coverage C limit of $20,000 or more. Enhanced Form (HO 5002) The Enhanced Form policy may be issued: for dwellings and premises constructed on or after 1960 that exhibit above average maintenance and pride of ownership. For coverage to be considered on dwellings built prior to 1960, the dwelling must: be re-plumbed with copper piping, cross-linked polyethylene (PEX), or other piping which meets ANSI/NSF standards or local building codes (verification required). be re-wired with copper Romex (or like brand) with 100% circuit breakers. have an acceptable, well maintained roof. for owner occupied dwellings used exclusively for private residential purposes and containing not more than 2 units. for dwellings that are not of log or earth construction. for dwellings that are not of the modular or mobilehome construction type. for dwellings constructed on or after 2000 with EIFS siding. for dwellings with standard, or better, quality construction. for dwellings in the course of construction which are: a. new construction (not under renovation) b. built by a licensed contractor c. insured to 100% of completed value d. intended for occupancy by the Named Insured. for primary dwellings with Coverage A values no less than $150,000 or no greater than $700,000. (Please note: if dwelling is located in protection class 9 or 10 the maximum Coverage A is $500,000.) for secondary dwellings with Coverage A values no less than $150,000 or no greater than $700,000. (Please note: if dwelling is located in protection class 9 or 10 the maximum Coverage A is $500,000. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 8

9 Program Guidelines for dwellings with farming exposure which is incidental to the occupancy of the dwelling and farming is not the primary occupation of the dwelling owner. (Refer to Forms and Endorsements section for coverage availability.) Unit-Owners Form (HO 6002) The Unit-Owners Form policy may be issued: to the owner/occupant of a cooperative or condominium unit which is used exclusively for private residential purposes. to risks with a Coverage C limit of $40,000 or more. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 9

10 General Rules Cancellation Or Reductions In Limits Of Liability Or Coverages It is not permissible to cancel any of the mandatory coverages in the policy unless the entire policy is cancelled. If insurance is cancelled or reduced at the request of either the insured or insurer, any earned premium shall be computed on a pro rata basis. Construction Definitions Frame - exterior wall of wood or other combustible construction, including wood-iron clad, stucco on wood or plaster on combustible supports. Includes: Aluminum or plastic siding over frame. Log - a building with exterior walls of (natural or manufactured) log construction. (This construction class is not valid for HO-4, HO-6 or HO-5 policy forms. Hand hewn log homes are not acceptable.) Masonry Veneer - exterior walls of combustible construction veneered with brick or stone. Rate as masonry provided at least 66% of the exterior walls, including gables, are veneered with brick or stone. 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). NOTE: Mixed (Masonry/Frame) - a combination of both frame and masonry construction shall be classed and coded as frame when the exterior walls of frame construction (including gables) exceed 33 1/3% of the total exterior wall area; otherwise class and code as masonry. Mandatory Coverages It is mandatory that insurance be written for all coverages provided under both Sections I and II of the Homeowners Policy. Section II of the policy requires coverage for the following exposures: (a) all additional insured locations where the Named Insured or spouse maintain a residence other than business or farm properties; (b) all residence employees of the Named Insured or spouse not covered or not required to be covered by workers compensation insurance; and (c) permitted incidental occupancies by the insured on residential premises of the Named Insured. Manual Premium Revision A manual premium revision, meaning any revision of premium applicable to the Homeowners Program, 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) When an existing Homeowners Policy is endorsed to take advantage of a reduction in premium, the adjustment shall be made on a pro rata basis. (d) Unless otherwise provided, at the time the premium revision becomes effective, the premium revision does not affect in-force policy forms and endorsements until the policy is renewed. Multiple Company Insurance Not offered in this program. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 10

11 General Rules Other Insurance Credit for existing insurance is not permitted. Policy Changes Corrections Corrections to the rating of a policy are only allowed within the current policy term. Cancellation All cancellations, regardless of whether they are initiated by the company or the policyholder, are calculated on a pro rata basis. Policy Period The Homeowners Policy shall be written for a period of one year and may be extended for successive policy periods by a renewal declarations page based upon the premiums, forms and endorsements then in effect for the Company. For maintaining common anniversary dates, a Homeowners Policy may be written for a period of less than one year on a pro rata basis. Premium Adjustments 1. Paid-In-Full Policies a. Additional premium will be billed as an installment. b. Return premium will be sent to the insured in 10 days. 2. Installment Bill Policies a. Additional premium will be spread over remaining installments. b. Return premium will be spread over the current and remaining installments. Premium Rounding Rule HO-3 and HO-5 policy premiums will be rounded to the penny. HO-4 and HO-6 policy premiums and optional endorsements will be rounded to the nearest whole dollar. In the event of cancellation by the Company, the return premium may be carried to the next higher whole dollar. Property Renewal Increases The limits of liability shown in the declarations page for Coverages A, B, C and D will be increased at the annual renewal by the property renewal increase factors adopted by the company. Payment of the renewal premium will constitute acceptance of the revised limits of liability as shown on the Declarations page. Protection Information The Protection Class assigned will be that developed by the Insurance Services Office. Temporary override of an assigned protection class may be allowed, based upon the circumstances of the risk and approval by the Company. Renewal Plan A Homeowners Policy may be written for a term of twelve months. The policy may be continued for successive terms upon payment of the required premium to the Company on or before the inception date of each successive term. The continuation premium shall be based upon the premiums in effect on the renewal date. The then current editions of the applicable forms and endorsements must be made a part of the policy. Seasonal Dwelling Definition A seasonal dwelling is a dwelling with continuous unoccupancy of three or more consecutive months during any one year period. Secondary Residences A separate policy may be written to insure the dwelling and other structures at a second residence. The liability for this residence must be extended from the primary policy written with Mutual of Enumclaw Insurance Company or Enumclaw Property and Casualty Insurance Company. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 11

12 General Rules Single Building Definition All buildings or sections of buildings which communicate through unprotected openings will be considered as a single building. Buildings which are separated by space will be considered separate buildings. Buildings or sections of buildings which are separated by an 8 inch masonry party wall which pierces or rises to the underside of the roof and which pierces or extends to the innerside of the exterior wall will be considered separate buildings. Communication between buildings with independent walls or through masonry party walls described above will be protected by at least a Class A Fire Door installed in a masonry wall section. Transfer or Assignment Subject to all the rules of this manual and any necessary adjustment of premium, a Homeowners Policy may be endorsed to effect transfer to another location within the same state. No assignments of a policy from one insured to another are allowed. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 12

13 Forms and Endorsements Descriptions We are providing general descriptions of endorsements offered. Please consult the actual forms and endorsements for exact terms, conditions and exclusions. Underwriting guidelines are not intended to be inclusive. Additional information may be required under certain circumstances. Additional Insured (Residence Premises) HO-41 Extends Section I Coverages A and B and Section II Coverages E and F to someone other than the Named Insured who has an ownership interest in the dwelling. Name and address of the additional insured. Interest of the additional insured. Additional Interests (Residence Premises) HO-310 Used to add a third party, other than a mortgagee, who has an interest in the residence. Affords Section I coverages only. Name and address of the other party. Description of their interest. Effective date of their interest. Additional Residence Rented to Others (1, 2, 3 or 4 Families) HO M70F Extends Personal Liability and Medical Payments to Others coverages to owned residences rented to others. Extension of liability is limited to maximum of 10 family units (a duplex counts as 2 units, a triplex is 3 units, etc.). This endorsement may extend liability only to 1, 2, 3 or 4 Family dwellings. Dwelling must be located in a state in which Mutual of Enumclaw Insurance Company is licensed to conduct business. Not available on Secondary or Seasonal Occupancy status policies Dwelling location. Number of families. Barns, Buildings and Structures HO M007, HO M5007 Named perils coverage on an actual cash value basis for barns, buildings and structures. As these structures are specifically insured, Coverage B of the policy does not apply to them. Available on HO-3 and HO-5 policy forms. Description of structure. Limit per structure. Use of structure. Building Additions and Alterations (Other Residence) HO-49 Used to cover the insured s interest in additions, alterations, and improvements to rented secondary residences. Location Address. Limit for each location. Building Additions and Alterations HO M51F Increased Limit Form HO-4 Used to provide an increased limit for tenants building additions, alterations, fixtures, improvements, and installations. Available on HO-4 policy forms. Increase amount. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 13

14 Forms and Endorsements Descriptions Business Pursuits HO M71F Coverage for liability arising out of business pursuits may be added to the policy through the use of this endorsement. Coverage does not apply to a business owned by the insured or in which the insured is a partner. Professional liability is excluded for other than teaching. Insured s name. Business description. Employment classification. Corporal punishment liability desired (if insured is a teacher). Not available on Secondary or Seasonal Occupancy status policies Course of Construction HO M005F This endorsement is attached to a new business policy when construction of the dwelling has begun. Available on HO-3 and HO-5 policy forms. A dwelling being constructed by the insured is not eligible. The coverages afforded by this endorsement cease 1 year after the original inception date of the policy. Any dwellings not scheduled to be done within 365 days are not eligible for coverage. Contract of Sale IL137F The special limit on jewelry, watches and furs may be increased to a maximum of $5,000 but not exceeding $1,000 for any one article. 2. Money and Securities The special limit on money may be increased to a maximum of $1,000. The limit on securities may be increased to a maximum of $2, Silverware, Goldware and Pewterware The special limit for loss by theft of silverware, etc., may be increased to a maximum of $10,000 in increments of $ Firearms The special limit for loss by theft of firearms may be increased to a maximum of $6,000 in increments of $100. Available on HO-3, HO-4 and HO-6 policy forms. This endorsement is not available on HO-3 policy forms written with the HO M015F endorsement (Use HO M211F). The class of property which is to be increased. The amount of the increase per property class. Provides coverage language specific to contract seller. Coverage C Increased Special Limits of Liability HO-65 The policy form contains Special Limits of Liability under Coverage C for certain categories of property. This endorsement is used to increase money, securities, jewelry, firearms, and silverware without specifically scheduling each item. The last 3 categories are increased with respect to theft only. The Coverage C perils named in the contract are not changed by this endorsement. 1. Jewelry, Watches and Furs Effective April 10, 2015 Mutual of Enumclaw Insurance Company 14

15 Forms and Endorsements Descriptions Coverage C Increased Special Limits of Liability HO M211F, HO M5211F Used to increase the special limits of liability for certain categories. 1. Jewelry, Watches and Furs The special limit on jewelry, watches and furs may be increased to a maximum of $5,000 but not exceeding $1,000 for any one article. 2. Money and Securities The special limit on money may be increased to a maximum of $1,000 for HO-3, $2,000 for HO-5. The limit on securities may be increased to a maximum of $2, Silverware, Goldware and Pewterware The special limit for loss by theft of silverware, etc., may be increased to a maximum of $10,000 in increments of $ Firearms The special limit on firearms may be increased to a maximum of $10,000. Available on HO-3 policy form with HO M015F endorsement and HO-5 policy forms. Only money and firearms are eligible for increased limits on HO-5. Property class to be increased. Amount of increase per property class. Credit Card, Fund Transfer Card, Forgery and Counterfeit Money Coverage (Increased Limit) HO M53F, HO M5053F Used to increase the automatic limit provided in the policy. Available limits: $2500 (not applicable to HO-5), $5000, $7,500, $10,000 Increase amount. Farmers Personal Liability HO M073AZ, HO M5073AZ This endorsement may be used to cover farm liability exposures when the insured has a farming exposure, by leasing farm land to others, is not actively involved in farming and farming is not his primary occupation. This endorsement form will not be offered only for the purpose of obtaining animal collision coverage. The following guidelines apply to leased farmland: a. Lessee must maintain insurance coverage for the farming operations. b. Our insured must be listed as an additional insured on the lessee s policy. c. If the leased land is also the residential premise the named insured must reside in the home. d. Insured owned equipment should not be used by the lessee. Farm questionnaire PL106 completed by the insured. Location of all farm premises and type of farming conducted on each. a. Number of additional farm premises. b. Number of farm premises without buildings. c. Acreage. Description of any business pursuits (other than farming) which are conducted on the insured location(s) Animal Collision Number of animals ($400 coverage per animal).not available on Secondary or Seasonal Occupancy status policies Effective April 10, 2015 Mutual of Enumclaw Insurance Company 15

16 Forms and Endorsements Descriptions Homeowners Extended Replacement Cost Coverage HO M091F When this endorsement is attached to the policy, we agree to settle covered losses to the dwelling up to an additional amount of the limit of liability under Coverage A shown on the Declarations page at the time of loss. Dwellings must be insured to 100% of replacement cost to be eligible for this coverage. Available on HO-3 policy form. Identity Fraud Expense Coverage HO M5316F This form provides reimbursement for expenses incurred by an insured as a direct result of identity fraud. This is a mandatory form. Applicable to HO-5 policy form. Incidental Farming Personal Liability HO M72F This endorsement provides Personal Liability and Medical Payments coverages only with respect to incidental farming operations of the insured on the residence premises. In most cases, the farm exposure should: a. Not exceed gross revenue of $15,000. b. Be for a policyholder who has an off the farm primary occupation (unless retired). c. Not have a riding arena. d. Not have a dairy operation. e. Not exceed (80) acres. f. Be limited to $30,000 of scheduled farm equipment on an Inland Marine policy. g. Be limited to a combined total of $100,000 for newer structures at replacement value on an HO M48F. h. Be limited to a combined total of $50,000 on an HOM007 at ACV for older structures. Exposures not contemplated in Personal Lines include: a. Employees (full or part time). b. Tree farms. c. U-cut/U-pick operations. d. Roadside sales stands. e. Boarding, breeding, training or renting of horses. f. Exotic animals. g. Custom farmers. h. Nurseries. i. Poultry. j. Processing or dairies. k. Seed operations. l. Kennels. m. Property open for hunting. The Farm Liability questionnaire (PL 106) must be completed.not available on Secondary or Seasonal Occupancy status policies Effective April 10, 2015 Mutual of Enumclaw Insurance Company 16

17 Forms and Endorsements Descriptions Incidental Motorized Land Conveyances HO M313F, HO M5313F This endorsement extends, to the insured and permissive operators, Section II coverages to motorized vehicles excluding: motorized bicycles, mopeds or motorized golf carts any conveyance: a. with a maximum speed of more than 25 MPH. b. subject to motor vehicle registration. c. while used to carry persons for a charge. d. while used for business purposes. e. while rented to others. f. while operated in any race, speed contest or competition. If a vehicle is not eligible for coverage under this endorsement, we also have available Recreational Vehicle Liability Coverage under endorsement HO M009F. This is a mandatory endorsement but not applicable when the HO M073AZ or HO M5073AZ are attached. Not available on Secondary or Seasonal Occupancy status policies. Increased Limit on Personal Property in Other Residences HO-50 This endorsement is used when an increased limit is desired. Verify liability extension to additional residence(s). Location address. Increase amount. Increased Limits on Business Property HO M312F, HO M5312F The policy form contains special limits on business property. Limits may be increased by means of this endorsement. The increased limit does not apply to business property in storage or held as a sample or for sale or delivery after sale or to business property pertaining to a business actually conducted on the residence premises. The specific dollar increase applies to on premises business property. Off premises business property is covered at 10% of the on premises limit. Maximum limit is $10,000. Increase in limit. Description of the business. Description of the business property. Landlord s Furnishings HO-308 This endorsement is used to increase the coverage for property in an apartment regularly rented or held for rental to others by an insured. Available Limits: $1,000, $2000, $3,000, $4,000, $5,000 Not available on HO-3 with HO M015F or HO-5 policy forms. Lender s Loss Payable Endorsement 438BFU NS Provides coverage language specific to a mortgagee. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 17

18 Forms and Endorsements Descriptions Loss Assessment Coverage HO M35F, HO M5035F All policy forms include an automatic limit of loss assessment coverage (excluding earthquake). Please refer to the specific contract for the amount of coverage provided. Increased limits may be obtained with this endorsement. Please note: The policy forms do include a Special Limit applicable to an assessment resulting from a deductible in the policy of insurance purchased by a corporation or association of property owners. Please refer to the desired policy form for the pertinent information. Available Limits: Residence Premises: $5,000 to $50,000 in increments of $5,000 o The minimum increase limit for HO-5 is $10,000. Additional Locations: $1,000, $5,000 to $50,000 in increments of $5,000 No more than 2 locations can be written in addition to the residence premises. Increase in limit on the residence premises. If additional locations are covered the unit location and limit per location should be provided. Mutual Policy Conditions ME Available with HO-49 Building Additions and Alterations (Other Residence) endorsement. Aggregate limit desired. Available options: 25%, 50% or 100% of Coverage A (Note: if attached to HO-49 Building Additions and Alterations (Other Residence) or HO-6 policies, 100% of Coverage A option must be selected.) Ordinance or Law Coverage HO M5277VF This endorsement amends the contract to insure the Dwelling and Other Structures against loss resulting from ordinances or laws which regulate construction, repair or demolition of the property. Available on HO-5. Aggregate limit desired. Available options: 50% or 100% of Coverage A This form provides conditions applicable to insureds of a mutual insurance company. This is a mandatory form. Ordinance or Law Coverage HO M277VF This endorsement amends the contract to insure the Dwelling and Other Structures against loss resulting from ordinances or laws which regulate construction, repair or demolition of the property. Available on HO-3 or HO-6 policy forms. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 18

19 Forms and Endorsements Descriptions Other Structures (Increased Limits) HO M48F This endorsement is used to increase coverage on other structures on the residence premises over what is provided in the policy form. The Coverage B Perils Insured Against in the policy extend to the additional limits obtained through the use of this endorsement. Available on HO-3 and HO-5 policy forms. This endorsement is not to be used for agricultural type buildings. For those exposures, see endorsement HO M007 Barns, Buildings and Structures. Structure description including construction type, square footage and use. Limit per structure as developed by applying the price per square foot required by Mutual of Enumclaw Insurance Company. Permitted Incidental Occupancies (Residence Premises) HO M42F, HO M5042F Section I and II Coverages of the policy are extended to cover an incidental office, professional, private school, or studio occupancy in the dwelling or in a separate structure on the residence premises. If the business is conducted in another structure on the residence premises Coverage B does not apply. The structure is specifically insured for direct physical loss by a Peril Insured Against under Coverages A and B of the policy form under this endorsement. Professional liability is excluded. This endorsement provides that certain property of the permitted business is covered up to the Coverage C limit. However, the endorsement does not increase the Coverage C limit. The only types of business activities eligible for this endorsement are office, studio, and school operations using less than half of the dwelling area. Day care operations may not be covered by this endorsement. Business description. Location where the business is conducted. If conducted in an Other Structure, a description of the structure. Limit on Other Structure. Not available on Secondary or Seasonal Occupancy status policies. Permitted Incidental Occupancies (Other Residence) HO-43, HO M5043F Section II Coverage is extended to cover an incidental office, professional, private school, or studio occupancy in a residence other than the insured residence premises. Professional liability is excluded. The only types of business activities eligible for this endorsement are office, studio, and school operations using less than half of the dwelling area. Day care operations may not be covered by this endorsement. Business description. Premises location. Not available on Secondary or Seasonal Occupancy status policies. Personal Property Replacement Cost HO M290F This endorsement is used to provide replacement cost coverage on property covered under Coverage C and, if applicable, awnings, carpeting, household appliances, outdoor antennas and outdoor equipment, whether or not attached to buildings. The Coverage C Perils Insured Against are not changed by this endorsement. Coverage also applies to articles or classes of property separately described and specifically insured in the policy (i.e. HO-61). Refer to the endorsement for ineligible property and loss settlement provisions. Coverage C of HO-3 is automatically increased, at no additional charge, to 70% of Coverage A. Available on HO-3, HO-4 and HO-6 policy forms. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 19

20 Forms and Endorsements Descriptions Premises Alarm or Fire Protection System HO-216 This endorsement is attached when a credit is being allowed for an approved alarm or sprinkler system. Type of Protective Device System: a. Burglar Alarm. b. Fire Alarm. c. Burglar and Fire Alarm. Installed to Alert: a. Central Station (copy of contract required). b. Police Station/Fire Department. c. Local only. Type of Sprinkler System: a. Partial b. Full A local burglar alarm must include a functional bell or similar soundgenerating device mounted on the exterior of the dwelling. A local fire alarm is required to produce a sound inside the dwelling to alert the occupants. A partial sprinkler system covers all areas except attic, bathrooms, closets and attached structure areas that are protected by a fire detector; or A full sprinkler system covers all areas including attics, bathrooms, closets and attached structures With regard to sprinkler systems: a. Available on HO-3 and HO-5 policies only b. Available on both primary and secondary policies Recreational Vehicle Liability Coverage HO M009F, HO M5009F This endorsement provides, for the insured and permissive operators, off premises Liability and Medical Payments to Others coverage for recreational vehicles (other than snowmobiles and golf carts on a golf course). Make and model name of each vehicle. Identification number for each vehicle. Horsepower for each vehicle Drivers license numbers and dates of birth for household members. Not available on Secondary or Seasonal Occupancy status policies. Residence Rental Theft HO-80 Extends coverage to loss by theft while the portion of the residence premises usually occupied by the insured is occasionally rented in whole or in part to others, or while there is a roomer or boarder. Refer to the endorsement for the exclusions to this extension of coverage. Available on HO-3 policy form. Not available on HO-3 with HO M015F. Requires underwriting approval prior to binding. Regularity of rental. Portion of the dwelling rented. Reason for the rental. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 20

21 Forms and Endorsements Descriptions Scheduled Personal Property Endorsement HO-61 Sinkhole Collapse HO M99F This endorsement provides protection on specific items of personal property that may require higher limits or broader coverage than is provided in the Homeowners policy form. Eligible classes of property are jewelry, furs, cameras, musical instruments, silverware, golfer s equipment, fine arts, postage stamps, rare and current coins, and guns. $30,000 maximum value per item. Appraisals on items valued at $10,000 and higher. Items must be insured to 100% of value. Prior approval from the company is required to bind coverage on schedules in excess of $75,000. Description of article. Amount per article. Appraisal (as per guidelines above). Scheduled Property Agreed Value Coverage HO M5350 This endorsement provides coverage for scheduled jewelry with losses settled on the basis of the amount shown on the declarations. Available on HO-5 policy form. $30,000 maximum value per item. Appraisals on items valued at $10,000 and higher. Prior approval from the company is required to bind coverage on schedules in excess of $75,000. Description of article. Amount per article. Appraisal (as per guidelines above). This endorsement provides coverage for direct physical loss to property covered under Section I caused by sudden settlement or collapse of the earth supporting the property as a result of subterranean voids created by the action of water on limestone or similar rock formations. NO COVERAGE IS PROVIDED FOR MINE SUBSIDENCE. Underwriting guidelines: Available on HO-5 policy form. This coverage should not be offered if: nearby properties have settled, subsided or collapsed as a result of subterranean earth movement or if such losses have occurred on the same property or properties in the last 5 years, or the dwelling was constructed over mining sites, underground caves or on filled ground. Maps showing the location of steep slopes, subterranean caverns and mines may be used to determine eligibility for the endorsement. Information required to add the endorsement: Location of property to be insured. Snowmobile Liability HO M164F This endorsement provides, for the insured and permissive operators, Personal Liability and Medical Payments to Others coverage for owned snowmobiles off an insured location, subject to certain limitations. This is a mandatory endorsement. Not available on Secondary or Seasonal Occupancy status policies. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 21

22 Forms and Endorsements Descriptions Special Computer Coverage HO M314F Computers and related equipment may be insured against additional risks of physical loss subject to certain exclusions. The limit of liability for a computer is not increased by this endorsement. Not available on HO-3 policy forms with an HO M015F endorsement attached or HO-5 policies. Special Personal Property Coverage HO M015F By attachment of this endorsement, the policy is amended to insure Coverage C against additional risks of physical loss subject to certain exclusions. Earthquake coverage is excluded. Available only on HO-3 policy forms. Personal Property Replacement Cost must be written on Coverage C - Personal Property. Policy must be written with at least a $500 deductible. Structures Rented to Others (Residence Premises) HO M40F This endorsement extends Section I and Section II Coverage to specified structures on the residence premises rented to anyone other than a tenant of the dwelling for use as a private residence. Coverage B does not apply to structures scheduled on this endorsement. Structure description including construction type, square footage and use. Limit per structure. Not available on Secondary or Seasonal Occupancy status policies. Theft of Building Materials Dwelling Under Construction HO M012F This endorsement provides coverage for theft from the insured location of personal property and building materials or supplies for a home under construction. Coverage is limited to 10% of the Coverage A - Dwelling limit. The premium is fully earned when written. Coverage expires at the first policy expiration date or when the dwelling is completed and occupied, whichever comes first. If an extension of coverage past the first expiration date is desired Underwriter approval is required. An additional fully earned premium will be applied. No further coverage extension will be allowed. Underwriting guidelines: Available on HO-3 and HO-5 policy forms. Three or Four Family Dwelling Premises Liability HO M74F (Form HO-4) This endorsement is attached only when the insured owns a 3 or 4 family dwelling and occupies one of the units. While the structure is insured under another policy, the insured may obtain coverage for personal property and personal liability on a Contents Broad Form (HO-4) policy. Personal liability is extended to that portion of the structure which is not occupied by the insured when this endorsement is attached. Available on HO-4 policy form. This coverage is not available to a tenant who does not have an ownership interest in the residence premises. Not available on Secondary or Seasonal Occupancy status policies. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 22

23 Forms and Endorsements Descriptions Unit-Owners Coverage A Special Coverage HO M32F The Section I Perils Insured Against may be broadened for Coverage A to Special Form by adding this endorsement. Available on HO-6 policy forms. Unit-Owners Rental to Others HO-33 This endorsement extends both Section I and Section II Coverage when the insured condominium unit is regularly rented to others. Available on HO-6 policy forms. Prior approval is required. Not available on Secondary or Seasonal Occupancy status policies. Water Backup and Sump Discharge or Overflow HO M095 Provides coverage for for direct physical loss to property covered under Section I caused by water, or waterborne material Available on HO-3 policy form. This coverage does not increase the limits of liability for Coverages A, B, C or D stated in the Declarations. $250 deductible applies, no other deductible applies to this coverage. This deductible does not apply with respect to Coverage D. Watercraft Liability HO-75, HO M5075 All Boats: a. Drivers license number and dates of birth for household members. Outboard Motor, Inboard or Inboard/Outdrive Watercraft a. Description, including make and model. b. Horsepower. c. Length of Watercraft. d. Owner of outboard motor (if not the insured). Sailing vessel a. Description, including make and model. b. Horsepower. c. Length of Watercraft. Not available on Secondary or Seasonal Occupancy status policies. Windstorm or Hail Deductible, HO M100F The endorsement applies a unique deductible selected by the insured for direct physical loss to property caused by Windstorm or Hail. The endorsement provides Personal Liability and Medical Payments to Others coverages on scheduled and described watercraft. For other than the insured (as defined in the policy) Medical Payments to Others includes waterskier medical coverage. We offer coverage for family type boats capable of moderate speeds used in private recreation. Please refer to the Watercraft Product Guide for boat eligibility guidelines. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 23

24 Coverages Deductibles Base $500 Options $100 (1) $250 (1) $1,000 $2,500 $5,000 (2) $10,000 (2) (1) Not available on HO-3 or HO-5. (2) Not available on HO-4 or HO-6. Wind/Hail Deductible (available on forms HO-3 and HO-5) Coverage F Medical Payments Base $1,000 Options $2,000 $3,000 $4,000 $5,000 Options $500 $1,000 $2,500 $5,000 $10,000 1% 2% 5% Coverage E - Personal Liability Base $300,000 Options $100,000 $200,000 $400,000 $500,000 $1,000,000 Effective April 10, 2015 Mutual of Enumclaw Insurance Company 24

25 Coverages Loss of Use The limit of liability for Coverage D may be increased. Other Exposures If other than the base limits of Coverage E or Coverage F are written for the residence premises, the same limits must apply to any other exposure. Other Insured Location Occupied By Insured 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. The Other Insured Location must be in a state in which Mutual of Enumclaw Insurance Company is licensed to conduct business. Personal Property - Reduction in Limit The limit of liability for Coverage C may be reduced to an amount not less than 40% of the limit for Coverage A for a credit. Residence Employees The premium charge is per person in excess of two (2). Charges do not apply to employees working less than half of the customary full time or to whom the workers compensation exclusion applies as stated in Section II of the policy. Secondary Residence Premises Coverage may be provided on the initial and secondary residence premises under separate policies in the same company. The policy providing Section I coverage on the secondary residence will not include coverage for Section II. Section II coverage for the secondary residence shall be extended from the primary policy. Effective April 10, 2015 Mutual of Enumclaw Insurance Company 25