Frequently Asked Coverage Questions. Connecticut. $5000 subject to $250 deductible

Size: px
Start display at page:

Download "Frequently Asked Coverage Questions. Connecticut. $5000 subject to $250 deductible"

Transcription

1 Homeowners: Connecticut HO CTCEA CTHCA $2500 subject to $250 deductible Tree removal: HO CTCEA CTHCA Refrigerator loss: CTCEA CTHCA HO Covers the cost to remove the tree(s) from a damaged covered structure(s) and then up to an additional $500 for their removal off the residence premises. $500 is the limit, regardless of the number of trees involved. There is no coverage for tree debris removal if the tree(s) does not cause damage to a covered structure. The policy deductible above, and also gives an additional $500 to remove it above, and also gives an additional $1000 to remove it $500 with a $50 deductible $1000 with a $50 deductible $500 with a $100 deductible HO Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible 1

2 CT Cont. Dwelling fire; DP The policy only pays to remove the tree(s) off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree(s) off the residence premises once it has been cut off the damaged covered structure DP Percentage Deductible-% of limit of liability that applies to Coverage A, B, D or E $1000 windstorm deductible Businessowners Policy: The policy only pays to remove the tree(s) off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree(s) off the premises once it has been cut off the damaged structure Water Back Up or Sump Overflow: BCEE $10,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 Food Spoilage: BP Spoilage Coverage-limits as appears on schedule 2

3 CT Cont. BP Deductibles-1%, 2% or 5% (as shown in schedule) of the limit of insurance applicable to property that has sustained loss or damage. Power failure beyond your control: BCEE BCEE BCEE Limit $10,000 in any one occurrence subject to the policy Limit $10,000 in any one occurrence subject to the policy Limit $10,000 in any one occurrence subject to the policy 3

4 Massachusetts Homeowners: HO MACEA MAHCA $2500 subject to $250 deductible Tree removal: HO MACEA MAHCA Covers the cost to remove the tree(s) from a damaged covered structure(s) and then up to an additional $500 for their removal off the residence premises. $500 is the limit, regardless of the number of trees involved. There is no coverage for tree debris removal if the tree(s) does not cause damage to a covered structure. The policy deductible above, and also gives an additional $500 to remove it above, and also gives an additional $1000 to remove it Refrigerator loss: VMCEA MACEA MAHCA HO $500 with a $50 deductible $500 with a $50 deductible $1000 with a $50 deductible $500 with a $100 deductible 4

5 MA Cont. HO HODEDMA HODEDWD Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible Percentage Deductible-2% of limit of liability applicable to Coverage A-Dwelling Percentage Deductible- 5% of limit of liability applicable to Coverage A-Dwelling Dwelling Fire: The policy only pays to remove the tree off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree off the residence premises once it has been cut off the damaged covered structure DP DP DPDEDMA Percentage Deductible-% of limit of liability that applies to Coverage A, B, D or E 2% wind & hail deductible $1000 windstorm deductible Businessowners Policy: The policy only pays to remove the tree(s) off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree(s) off the premises once it has been cut off the damaged structure 5

6 MA Cont. Water Back Up or Sump Overflow; BCEE $10,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 Food Spoilage: BP Spoilage Coverage-limits as appears on schedule BP Deductibles-1%, 2% or 5% (as shown in schedule) of the limit of insurance applicable to property that has sustained loss or damage. Power failure beyond your control: BCEE BCEE BCEE

7 Maine Homeowners: HO MECEA MEHCA $2500 subject to $250 deductible Tree removal: HO MECEA MEHCA Covers the cost to remove the tree(s) from a damaged covered structure(s) and then up to an additional $500 for their removal off the residence premises. $500 is the limit, regardless of the number of trees involved. There is no coverage for tree debris removal if the tree(s) does not cause damage to a covered structure. The policy deductible above, and also gives an additional $500 to remove it above, and also gives an additional $1000 to remove it Refrigerator loss: MECEA MEHCA HO $500 with a $50 deductible $1000 with a $50 deductible $500 with a $100 deductible HO Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible 7

8 ME Cont. Dwelling fire: The policy only pays to remove the tree off the damaged covered property and set it on the ground. There is NO coverage to remove the tree off the residence premises once it has been cut off the damaged covered property DP DP Percentage Deductible-% of limit of liability that applies to Coverage A, B, D or E $1000 windstorm deductible Businessowners Policy: The policy only pays to remove the tree(s) off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree(s) off the premises once it has been cut off the damaged structure Water Back Up or Sump Overflow: BCEE $10,000 subject to the policy deductible or a $250 deductible whichever is less BCEE $25,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 Food Spoilage: BP Spoilage Coverage-limits as appears on schedule 8

9 ME Cont. BP Deductibles 1%, 2% or 5% (as shown in schedule) of the limit of insurance applicable to property that has sustained loss or damage. Power failure beyond your control: BCEE BCEE BCEE

10 New York Homeowners: HO NYCEA NYHCA $2500 subject to $250 deductible Tree removal: HO NYCEA NYHCA Covers the cost to remove the tree(s) from a damaged covered structure(s) and then up to an additional $500 for their removal off the residence premises. $500 is the limit, regardless of the number of trees involved. There is no coverage for tree debris removal if the tree(s) does not cause damage to a covered structure. The policy deductible above, and also gives an additional $500 to remove it above, and also gives an additional $1000 to remove it Refrigerator loss: NYCEA NYHCA HO $500 with a $50 deductible $1000 with a $50 deductible $500 with a $100 deductible HO Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible 10

11 N Y Cont. Dwelling fire; The policy only pays to remove the tree off the damaged covered property and set it on the ground. There is NO coverage to remove the tree off the residence premises once it has been cut off the damaged covered property DP DP Percentage Deductible-% of limit of liability that applies to Coverage A, B, D or E $1000 windstorm deductible Businessowners Policy: The policy only pays to remove the tree(s) off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree(s) off the premises once it has been cut off the damaged structure Water Back Up or Sump Overflow: BCEE $10,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 Food Spoilage: BP Spoilage Coverage-limits as appears on schedule 11

12 N Y Cont. BP Deductibles-1%, 2% or 5% (as shown in schedule) of the limit of insurance applicable to property that has sustained loss or damage. Power failure beyond your control: BCEE BCEE BCEE

13 New Hampshire Homeowners: HO NHCEA NHHCA $2500 subject to $250 deductible Tree removal: HO NHCEA NHHCA Covers the cost to remove the tree(s) from a damaged covered structure(s) and then up to an additional $500 for their removal off the residence premises. $500 is the limit, regardless of the number of trees involved. There is no coverage for tree debris removal if the tree(s) does not cause damage to a covered structure. The policy deductible above, and also gives an additional $500 to remove it above, and also gives an additional $1000 to remove it Refrigerator loss: NHCEA NHHCA HO $500 with a $50 deductible $1000 with a $50 deductible $500 with a $100 deductible HO Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible 13

14 NH Cont. Dwelling fire; The policy only pays to remove the tree off the damaged covered property and set it on the ground. There is NO coverage to remove the tree off the residence premises once it has been cut off the damaged covered property and set on the ground DP DP Percentage Deductible-% of limit of liability that applies to Coverage A, B, D or E $1000 windstorm deductible Businessowners Policy: The policy only pays to remove the tree(s) off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree(s) off the premises once it has been cut off the damaged structure Water Back Up or Sump Overflow: Food Spoilage: BCEE $10,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 BP Spoilage Coverage-limits as appears on schedule 14

15 NH Cont. BP Deductibles-1%, 2% or 5% (as shown in schedule) of the limit of insurance applicable to property that has sustained loss or damage. Power failure beyond your control: BCEE BCEE BCEE

16 Rhode Island Homeowners: HO RICEA RIHCA $2500 subject to $250 deductible Tree removal: HO RICEA RIHCA Covers the cost to remove the tree(s) from a damaged covered structure(s) and then up to an additional $500 for their removal off the residence premises. $500 is the limit, regardless of the number of trees involved. There is no coverage for tree debris removal if the tree(s) does not cause damage to a covered structure. The policy deductible above, and also gives an additional $500 to remove it above, and also gives an additional $1000 to remove it Refrigerator loss: RICEA RIHCA HO $500 with a $50 deductible $1000 with a $50 deductible $500 with a $100 deductible HO Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible 16

17 RI Cont. Dwelling fire: The policy only pays to remove the tree off the damaged covered property and set it on the ground. There is NO coverage to remove the tree off the residence premises once it has been cut off the damaged covered property DP DP Percentage Deductible-% of limit of liability that applies to Coverage A, B, D or E $1000 windstorm deductible Businessowners Policy: The policy only pays to remove the tree(s) off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree(s) off the premises once it has been cut off the damaged structure Water Back Up or Sump Overflow: BCEE $10,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 Food Spoilage: BP Spoilage Coverage-limits as appears on schedule 17

18 RI Cont. BP Deductibles-1%, 2% or 5% (as shown in schedule) of the limit of insurance applicable to property that has sustained loss or damage. Power failure beyond your control: BCEE BCEE BCEE Limit 10,000 in 1 occurrence subject to the policy Limit 10,000 in 1 occurrence subject to the policy Limit 10,000 in 1 occurrence subject to the policy 18

19 Vermont Homeowners: HO VTCEA or VMCEA $2500 subject to $250 deductible VTHCA Tree removal: HO Covers the cost to remove the tree(s) from a damaged covered structure(s) and then up to an additional $500 for their removal off the residence premises. $500 is the limit, regardless of the number of trees involved. There is no coverage for tree debris removal if the tree(s) does not cause damage to a covered structure. The policy deductible VTCEA or VMCEA Same as the coverage provided in the HO3, as stated above, and also gives an additional $500 to remove it VTHCA above, and also gives an additional $1000 to remove it Refrigerator loss: VTCEA or VMCEA $500 with a $50 deductible VTHCA HO $1000 with a $50 deductible $500 with a $100 deductible 19

20 VT Cont. HO Windstorm or Hail Percentage Deductible $1000 Windstorm Deductible Dwelling fire; The policy only pays to remove the tree off the damaged covered property and set it on the ground. There is NO coverage to remove the tree off the residence premises once it has been cut off the damaged covered property DP DP Percentage Deductible-% of limit of liability that applies to Coverage A, B, D or E $1000 windstorm deductible Businessowners Policy: The policy only pays to remove the tree(s) off the damaged covered structure and set it on the ground. There is NO coverage to remove the tree(s) off the premises once it has been cut off the damaged structure Water Back Up or Sump Overflow: BCEE $10,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 BCEE $25,000 subject to the policy deductible or a $250 20

21 VT Cont. Food Spoilage: BP Spoilage Coverage-limits as appears on schedule BP Deductibles-1%, 2% or 5% (as shown in schedule) of the limit of insurance applicable to property that has sustained loss or damage. Power failure beyond your control: BCEE BCEE BCEE

2015 State Farm Insurance Windstorm or Hail Coverage Information Updated June 2015

2015 State Farm Insurance Windstorm or Hail Coverage Information Updated June 2015 1 2015 State Farm Insurance Windstorm or Hail Coverage Information Updated June 2015 Loss to covered property caused directly by Windstorm or Hail is covered by our basic Homeowners, Condo Unitowners and

More information

2014 State Farm Insurance Windstorm or Hail Coverage Information Updated June 2014

2014 State Farm Insurance Windstorm or Hail Coverage Information Updated June 2014 2014 State Farm Insurance Windstorm or Hail Coverage Information Updated June 2014 Loss to covered property caused directly by Windstorm or Hail is covered by our basic Homeowners, Condo Unitowners and

More information

AAIS Mobile-Homeowners 2008 Series

AAIS Mobile-Homeowners 2008 Series Policy Forms and Endorsements IT IS WOLTERS KLUWER FINANCIAL SERVICES' POLICY TO LIMIT THE SALE OF BUREAU FORMS TO THE MEMBERS AND SUBSCRIBERS OF THOSE RESPECTIVE BUREAUS. PURCHASE AND USE OF BUREAU FORMS

More information

Merchants Insurance Group Massachusetts, Michigan, New Hampshire, New York, Ohio, Pennsylvania, Rhode Island and Vermont Commercial Lines Agents

Merchants Insurance Group Massachusetts, Michigan, New Hampshire, New York, Ohio, Pennsylvania, Rhode Island and Vermont Commercial Lines Agents April 27, 2011 BULLETIN NO. 5156 TO: SUBJECT: Merchants Insurance Group Massachusetts, Michigan, New Hampshire, New York, Ohio, Pennsylvania, Rhode Island and Vermont Commercial Lines Agents MAP Businessowners

More information

Tenant-occupied. Preferred Office Program (POP) Customer Service (727) 823-4000 (800) 627-0000. Claims (800) 765-9700

Tenant-occupied. Preferred Office Program (POP) Customer Service (727) 823-4000 (800) 627-0000. Claims (800) 765-9700 Customer Service (727) 823-4000 (800) 627-0000 Claims (800) 765-9700 Bankers Insurance Group 11101 Roosevelt Blvd N St. Petersburg, FL 33716 Includes Material Insurance Services Office, Inc. BIG-6305-0412

More information

Personal and Business Property Table of Contents. Chapter One: Property Insurance Terms and Concepts 9-13

Personal and Business Property Table of Contents. Chapter One: Property Insurance Terms and Concepts 9-13 Personal and Business Property Table of Contents Chapter One: Property Insurance Terms and Concepts 9-13 Insurance Insurable Interest Risk Hazard Peril Loss Proximate Cause Deductible Indemnity Actual

More information

Additional Living Expenses - With Direct Damage

Additional Living Expenses - With Direct Damage Common Coverage Questions HO3 Hurricane losses Special Note Please Read This information is for general information only. The insurance policy and endorsement forms, not this document, define the terms

More information

NESEMC Top Solar Policies

NESEMC Top Solar Policies POLICY BACKGROUND NESEMC Top Solar Policies Solar Rights and Access Solar rights and solar access provisions help ensure that property owners have the right to install solar PV systems and have adequate

More information

**READ YOUR INSURANCE POLICY FOR COMPLETE POLICY TERMS AND CONDITIONS**

**READ YOUR INSURANCE POLICY FOR COMPLETE POLICY TERMS AND CONDITIONS** HOMEOWNERS HO P 002 06 11 IMPORTANT INFORMATION REQUIRED BY THE LOUISIANA DEPARTMENT OF INSURANCE Homeowners Insurance Policy Coverage Disclosure Summary This form is promulgated pursuant to LSA-R.S. 22:1332

More information

Who Put the Lights Out? By Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA CPIW Vice President of Technical Affairs

Who Put the Lights Out? By Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA CPIW Vice President of Technical Affairs TECH TALK Who Put the Lights Out? November 2012 By Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA CPIW Vice President of Technical Affairs Well, it appears that we survived the storm one more time. I have

More information

Department of Business Regulation Insurance Division 1511 Pontiac Avenue, Bldg. 69-2 Cranston, Rhode Island 02920. Consumer Alert.

Department of Business Regulation Insurance Division 1511 Pontiac Avenue, Bldg. 69-2 Cranston, Rhode Island 02920. Consumer Alert. Department of Business Regulation Insurance Division 1511 Pontiac Avenue, Bldg. 69-2 Cranston, Rhode Island 02920 Consumer Alert Spring Flooding HOMEOWNERS NEED TO PREPARE FOR ONE OF THE BIGGEST SPRING

More information

Now...back to the topic at hand. First we'll look at personal lines and then commercial lines.

Now...back to the topic at hand. First we'll look at personal lines and then commercial lines. TECH TALK Ice Dam and Roof Collapse Covered or Not For Building and Contents Business and Personal Policies By Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA, CPIW Vice President of Technical Affairs February

More information

Consumer s Quick Check Guide Condominium Unit-Owners Policy

Consumer s Quick Check Guide Condominium Unit-Owners Policy Consumer s Quick Check Guide Condominium Unit-Owners Policy Explanation of Coverage Limits and Options: This Consumer s Quick Check Guide to the Condominium Unit-Owners Policy is based, in part, on Insurance

More information

COMPARISON OF SELECT STANDARD TEXAS HOMEOWNER FORMS WITH ISO HO3. Mike Gibbs imga, LLC

COMPARISON OF SELECT STANDARD TEXAS HOMEOWNER FORMS WITH ISO HO3. Mike Gibbs imga, LLC COMPARISON OF SELECT STANDARD TEXAS HOMEOWNER FORMS WITH ISO HO3 Mike Gibbs imga, LLC www.imga.biz FUN WITH FORMS A Detailed, Accurate and Slightly Irreverent Comparison of Texas and ISO Homeowners Policy

More information

HO Supplement for Condominium Unit-Owners and Cooperative Apartments

HO Supplement for Condominium Unit-Owners and Cooperative Apartments HO Supplement for Condominium Unit-Owners and Cooperative Apartments 11/09 2009 Underwriters Rating Board; All Rights Reserved. HO 1/09 INDEX DESCRIPTION PAGE Basic Policy Coverage and Limits 1 Mandatory

More information

Texas Homeowner Forms and Endorsements Description

Texas Homeowner Forms and Endorsements Description Texas Homeowner The following is a brief description of the ISO Homeowners Policy Forms. HO 00 03 10 00. Homeowners 3 Special Form. This form is analogous to the Texas Homeowners Policy - Form B. A side-by-side

More information

Renters Insurance. When you want to leave nothing to chance.

Renters Insurance. When you want to leave nothing to chance. Renters Insurance When you want to leave nothing to chance. Property Coverage The Renters Policy protects your possessions in the event of: Fire Lightning Windstorm Hail Explosion Riot Aircraft Damage

More information

Businessowners Coverage

Businessowners Coverage Businessowners Coverage BUILDING AND/OR BUSINESS PERSONAL PROPERTY COVERAGES Buildings Covers your described building, outdoor fixtures (e.g., light poles and flag poles), building glass, permanently installed

More information

Consumer s Quick Check Guide Dwelling Property Policy

Consumer s Quick Check Guide Dwelling Property Policy Explanation of Coverage Limits and Options Consumer s Quick Check Guide Dwelling Property Policy There are three Dwelling Policy Forms offered in the State of Florida. This Consumer s Quick Check Guide

More information

Loss Assessment Coverage By David Thompson, CPCU

Loss Assessment Coverage By David Thompson, CPCU Loss Assessment Coverage By David Thompson, CPCU Several reliable sources have reported that one in six Americans lives in a homeowners association (HOA), whether it be a condominium, town home, or single-family

More information

Personal property insurance: homeowner and auto insurance.

Personal property insurance: homeowner and auto insurance. Insurance and Social Insurance Personal property insurance: homeowner and auto insurance. Agenda Homeowners Insurance Basics Analysis of Homeowners 3 Policy Section I Coverages Section I Perils Insured

More information

Texas Fair Plan Association

Texas Fair Plan Association Texas Fair Plan Association RESIDENTIAL PROPERTY INSURANCE The Texas FAIR Plan Association provides limited coverage through the Texas Homeowners Policy - Form A (HO-A), Texas Dwelling Policy Form 1 (TDP-1),

More information

Property Insurance. Endorsement. Policy Period. Effective Date. Policy Number. Insured. Name of Company. Date Issued

Property Insurance. Endorsement. Policy Period. Effective Date. Policy Number. Insured. Name of Company. Date Issued Property Insurance Endorsement Policy Period Effective Date Policy Number Insured Name of Company Date Issued This Endorsement applies to the following forms: SCHEDULE Form 80-02-1428 (Rev. 7-03) Endorsement

More information

Commercial Lines Program Summary: TOWER HILL PRIME

Commercial Lines Program Summary: TOWER HILL PRIME Commercial Lines Program Summary: TOWER HILL PRIME COMPANY BACKGROUND Founded in 1972, Tower Hill Insurance Group has become one of Florida's most trusted names in homeowners insurance and select commercial

More information

COVERAGE ENHANCEMENT ENDORSEMENT

COVERAGE ENHANCEMENT ENDORSEMENT BUSINESSOWNERS THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COVERAGE ENHANCEMENT ENDORSEMENT This endorsement modifies insurance provided under the following: (THIS FORM MUST BE ACCOMPANIED

More information

KANSAS MUTUAL INSURANCE COMPANY DELUXE HOMEOWNERS PROGRAM. General Index Page

KANSAS MUTUAL INSURANCE COMPANY DELUXE HOMEOWNERS PROGRAM. General Index Page General Index Page Rule No. ACV Roofing Additional Amount or Coverages Additional Insureds Additional Living Expense--Increased Limit Additional Residences (1) Occupied by Insured (2) Rented to Others

More information

Homeowners Package Policy Guidelines

Homeowners Package Policy Guidelines Homeowners Package Policy Guidelines State of Georgia AVAILABLE LIMITS: Minimum Maximum Homeowner Package Policy (HO-3, HO-8) Dwelling (Coverage A) $5,000 Submit if over Binding Authority Adjacent Structures

More information

Economic Education for Consumers Chapter 14 Study Guide Automobile and Home Insurance: Sharing the Risk

Economic Education for Consumers Chapter 14 Study Guide Automobile and Home Insurance: Sharing the Risk Economic Education for Consumers Chapter 14 Study Guide Automobile and Home Insurance: Sharing the Risk Section 14-1 Insurance Basics Define Risk Management. Define Shared Risk. How do insurance companies

More information

Insuring Against A Hurricane

Insuring Against A Hurricane Insuring Against A Hurricane Protecting Your Home or Business Against Hurricane-related Financial Losses About A trusted choice for more than 20 years, of Ponte Vedra offers inspired solutions to a broad

More information

TOI: 04.0 Homeowners Sub-TOI: 04.0000 Homeowners Sub-TOI Combinations Revised Rule 521 Water Sewer Backup for HCIC

TOI: 04.0 Homeowners Sub-TOI: 04.0000 Homeowners Sub-TOI Combinations Revised Rule 521 Water Sewer Backup for HCIC Project Name/Number: Homeowners Multi Peril/ Filing at a Glance Company: Hartford Casualty Insurance Company Revised Rule 521 Water Sewer SERFF Tr Num: HART-125929339 State: Arkansas Backup for HCIC TOI:

More information

Insurance Information Institute. Am I Covered? homeowners about insurance. common questions asked by

Insurance Information Institute. Am I Covered? homeowners about insurance. common questions asked by Insurance Information Institute Am I Covered? common questions asked by homeowners about insurance If a fire, flood, earthquake, or some other natural disaster were to destroy or damage your home, would

More information

NEW JERSEY NAMED STORM PERCENTAGE DEDUCTIBLE

NEW JERSEY NAMED STORM PERCENTAGE DEDUCTIBLE POLICY NUMBER: COMMERCIAL PROPERTY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW JERSEY NAMED STORM PERCENTAGE DEDUCTIBLE This Endorsement modifies insurance provided under the following:

More information

New England Cash Receipts 2012

New England Cash Receipts 2012 New England Cash Receipts 2012 December 15, 2013 2012 Farm Cash Receipts down 2 percent in New England New England cash receipts from farm marketings totaled $2.702 billion in 2012, a decrease of $67 million

More information

SCHEDULE. The most we will pay in any occurrence for: direct physical loss or damage; business income or rental income loss; and

SCHEDULE. The most we will pay in any occurrence for: direct physical loss or damage; business income or rental income loss; and Property Insurance Endorsement Policy Period Effective Date Policy Number Insured Name of Company Date Issued This Endorsement applies to the following forms: SCHEDULE Limits Of Insurance Subsidiary Limits

More information

HOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE. www.afi.org

HOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE. www.afi.org HOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE www.afi.org Our Mission Like those who serve our nation, AFI is dedicated to delivering protection and peace of mind. Our unwavering commitment to

More information

Safety Insurance Company Safety Indemnity Insurance Company SAFETY SUPREME ENDORSEMENT

Safety Insurance Company Safety Indemnity Insurance Company SAFETY SUPREME ENDORSEMENT Safety Insurance Company Safety Indemnity Insurance Company SAFETY SUPREME ENDORSEMENT SSE 001 01 12 For an additional premium, we will provide the following: SECTION I - PROPERTY COVERAGES Coverage A

More information

HOMEOWNERS INSURANCE ACT OF 2010

HOMEOWNERS INSURANCE ACT OF 2010 HOMEOWNERS INSURANCE ACT OF 2010 The purpose of the Act is to promote the public welfare by regulating Property Casualty Rates to the end that they not be excessive, inadequate or unfairly discriminatory;

More information

UTILITY ENERGY EFFICIENCY POLICIES AND PROGRAMS. Mark Hopkins, UN Foundation

UTILITY ENERGY EFFICIENCY POLICIES AND PROGRAMS. Mark Hopkins, UN Foundation UTILITY ENERGY EFFICIENCY POLICIES AND PROGRAMS Mark Hopkins, UN Foundation Status of US Utility EE Programs Electric utility energy efficiency programs spent $5.5B in 2011, double the amount spent in

More information

Protecting Your Business. Contractors Advantage

Protecting Your Business. Contractors Advantage Protecting Your Business Contractors Advantage Your contracting business is more than a job, it s your life. You re a successful contractor. You ve made a substantial investment in tools, equipment and

More information

MASSACHUSETTS PROPERTY INSURANCE UNDERWRITING ASSOCIATION

MASSACHUSETTS PROPERTY INSURANCE UNDERWRITING ASSOCIATION MASSACHUSETTS PROPERTY INSURANCE UNDERWRITING ASSOCIATION Underwriting Division Two Center Plaza Boston, Massachusetts 02108-1904 (617) 723-3800, MA Only (800) 392-6108, FAX (617) 557-5678 October 31,

More information

NH POLICY CUSTOMIZATIONS

NH POLICY CUSTOMIZATIONS BUSINESSOWNER S BP 99 NH 04 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NH POLICY CUSTOMIZATIONS This endorsement modifies insurance provided under the following: BUSINESSOWNER S

More information

Texas Homeowners Insurance Policy Comparison. Report to the 82 nd Texas Legislature as required by Senate Bill 1 (81 st Legislature, 2009)

Texas Homeowners Insurance Policy Comparison. Report to the 82 nd Texas Legislature as required by Senate Bill 1 (81 st Legislature, 2009) Texas Homeowners Insurance Policy Comparison Report to the 82 nd Texas Legislature as required by Senate Bill 1 (81 st Legislature, 2009) TEXAS HOMEOWNERS INSURANCE POLICY COMPARISON EXECUTIVE SUMMARY

More information

Helping to Protect You and Your Toys!

Helping to Protect You and Your Toys! Helping to Protect You and Your Toys! Insurance options may vary from those described in these materials in DC, DE, HI, ME, MT, ND, NH, NM, NV, RI, SD, VT, WV and WY. 43% of American boat owners are currently

More information

NCCI Filing Memorandum Item B-1420

NCCI Filing Memorandum Item B-1420 NCCI Filing Memorandum Item B-1420 NATIONAL COUNCIL ON COMPENSATION INSURANCE, INC. (Applies in: AK, AL, AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MO, MS, MT, NC, NE, NH, NM,

More information

The Homeowners Policy - There s Coverage in Those Exclusions! sponsored by

The Homeowners Policy - There s Coverage in Those Exclusions! sponsored by The Homeowners Policy - There s Coverage in Those Exclusions! sponsored by The HO Policy There s Coverage In Those Exclusions Robin Federici, CPCU, AAI, ARM, AINS, AIS, CPIW PO BOX 781 NORTH KINGSTOWN,

More information

A Couple of Condominium Endorsements One for the Personal Condo Unit-owner and One for the Commercial Unit-owner

A Couple of Condominium Endorsements One for the Personal Condo Unit-owner and One for the Commercial Unit-owner TECH TALK A Couple of Condominium Endorsements One for the Personal Condo Unit-owner and One for the Commercial Unit-owner By Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA, CPIW Vice President of Technical

More information

condo insurance protecting your dreams

condo insurance protecting your dreams condo insurance protecting your dreams Home is more than where you live. it s how you live. Now you need to protect it. Think of how your personal possessions turn the space you own into a place that s

More information

It s Time to End the ABARI Campaign

It s Time to End the ABARI Campaign March 2014 It s Time to End the ABARI Campaign Stop Excessive Cost Hikes Caused by a Decade of Body Shop Legislation IT S TIME TO END THE ABARI CAMPAIGN 1 Executive Summary Since 2003, seventeen (17) pieces

More information

Even collection systems with high-performing operation and maintenance programs will eventually

Even collection systems with high-performing operation and maintenance programs will eventually CHAPTER 8 NOTIFICATION AND REPORTING PROCEDURES Even collection systems with high-performing operation and maintenance programs will eventually experience overflows and backups. When these situations occur

More information

How will your insurance policy respond in your time of need?

How will your insurance policy respond in your time of need? Department of Business and Industry Nevada Division of Insurance Scott J. Kipper, Commissioner Terry Johnson, Director Brian Sandoval, Governor How will your insurance policy respond in your time of need?

More information

NEW YORK STATE HOMEOWNERS COVERAGE APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 8/18/2015

NEW YORK STATE HOMEOWNERS COVERAGE APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 8/18/2015 Company Name AAIS (A) Optional, See Note A The deductible is applicable when a windstorm loss occurs 12 hours before or 12 hours after a Category 2 hurricane, as determined by the National Weather Service,

More information

LOUISIANA DEPARTMENT OF INSURANCE JAMES J. DONELON, COMMISSIONER P.O. BOX 94214 BATON ROUGE, LOUISIANA 70804-9214

LOUISIANA DEPARTMENT OF INSURANCE JAMES J. DONELON, COMMISSIONER P.O. BOX 94214 BATON ROUGE, LOUISIANA 70804-9214 LOUISIANA DEPARTMENT OF INSURANCE JAMES J. DONELON, COMMISSIONER P.O. BOX 94214 BATON ROUGE, LOUISIANA 70804-9214 Page 1 of 12 OFFICE OF PROPERTY AND CASUALTY/INSURANCE RATING DIVISION RATE AND RULE FILINGS

More information

Homeowners and Renters Insurance

Homeowners and Renters Insurance Homeowners and Renters Insurance HOMEOWNERS INSURANCE EXPENDITURES The average homeowners insurance premium rose by 6.0 percent in 2013, following a 5.6 percent increase in 2012, according to a February

More information

Cancellation/Nonrenewal Surplus Lines Exemptions

Cancellation/Nonrenewal Surplus Lines Exemptions Cancellation/Nonrenewal Surplus Lines Exemptions * Indicates updates in laws or regulations for the state Contact: Tina Crum, tina.crum@pciaa.net, 847-553-3804 Disclaimer: This document was prepared by

More information

QUICK NOTES SUPPLEMENTAL STUDY GUIDE FLORIDA

QUICK NOTES SUPPLEMENTAL STUDY GUIDE FLORIDA QUICK NOTES SUPPLEMENTAL STUDY GUIDE FLORIDA A REVIEW SUPPLEMENT FOR THE FLORIDA AGENT S GENERAL LINES (2-20) STATE INSURANCE EXAM (January, 2015 edition) What is Insurance Schools Quick Notes Supplemental

More information

Businessowners Garage Coverage

Businessowners Garage Coverage Businessowners Garage Coverage American Family s Businessowners Garage Coverage With more than thirty years of commercial lines policy experience and $15 billion in assets*, American Family offers businesses

More information

U.S. Homeowners Market

U.S. Homeowners Market U.S. Homeowners Market Casualty Actuarial Society Spring Meeting Kelleen Arquette, FCAS, MAAA May 2013 2013 Towers Watson. All rights reserved. AGENDA Agenda Market Overview Market Definition Direct Written

More information

Hanover Avenues. Insurance for Law Offices. Who protects your business, while your business is busy protecting others?

Hanover Avenues. Insurance for Law Offices. Who protects your business, while your business is busy protecting others? Hanover Avenues Insurance for Law Offices Who protects your business, while your business is busy protecting others? DESIGNED WITH YOUR PROTECTION IN MIND The Hanover has created a comprehensive suite

More information

ACORD Forms Index. All packages contain 100 forms - Please specify number of packages required COUNTRYWIDE P&C FORMS - continued 2011/11 2013/09

ACORD Forms Index. All packages contain 100 forms - Please specify number of packages required COUNTRYWIDE P&C FORMS - continued 2011/11 2013/09 Please provide the information below to avoid delay in shipment. ACORD Forms Index Agency/Company Name: Contact Name: Street Address: City: Telephone: Fax: Web Site: State: ACORD Account #: E-Mail Address:

More information

MISSISSIPPI DEPARTMENT OF INSURANCE REGULATION 2007-1, as amended. MISSISSIPPI HOMEOWNER INSURANCE POLICYHOLDER BILL OF RIGHTS

MISSISSIPPI DEPARTMENT OF INSURANCE REGULATION 2007-1, as amended. MISSISSIPPI HOMEOWNER INSURANCE POLICYHOLDER BILL OF RIGHTS MISSISSIPPI DEPARTMENT OF INSURANCE REGULATION 2007-1, as amended. MISSISSIPPI HOMEOWNER INSURANCE POLICYHOLDER BILL OF RIGHTS TABLE OF CONTENTS: Section 1. Purpose Section 2. Authority Section 3. Scope

More information

Notices of Cancellation / Nonrenewal and / or Other Related Forms

Notices of Cancellation / Nonrenewal and / or Other Related Forms Forms are listed alphabetically by form title. INDEX POLICY CODES 1. Auto 2. Fire and Multiple Peril 3. Liability 4. Property, other than Fire and Multiple Peril (e.g. Crime & Inland Marine) 5. Workers

More information

Advanced Coverage for Evolving Risk SM

Advanced Coverage for Evolving Risk SM Advanced Coverage for Evolving Risk SM Advanced Coverage for Evolving Risk Chubb Personal Insurance is proud to present Masterpiece 6.0, the next generation of our renowned Masterpiece coverages. A multi-line

More information

gold star homeowners insurance protecting your dreams

gold star homeowners insurance protecting your dreams gold star homeowners insurance protecting your dreams Home is where the real you lives. You're the type who pays attention to detail. You keep up to date. From the curb to the backyard, you take pride

More information

POLICYHOLDER NOTICE YOUR NEW BUSINESSOWNERS POLICY

POLICYHOLDER NOTICE YOUR NEW BUSINESSOWNERS POLICY ST-7680 (Ed. 04-12) New policy look. Same quality. POLICYHOLDER NOTICE YOUR NEW BUSINESSOWNERS POLICY Thank you for renewing your insurance with Harleysville. Your business insurance for your garage operations

More information

SECTION 6: California Mutual Insurance Company Dwelling Fire Policy Program

SECTION 6: California Mutual Insurance Company Dwelling Fire Policy Program SECTION 6: California Mutual Insurance Company Dwelling Fire Policy Program A. UNDERWRITING REQUIREMENTS 1. The Dwelling Fire program will provide dwelling, contents and related coverages for owner or

More information

TOI: 04.0 Homeowners Sub-TOI: 04.0000 Homeowners Sub-TOI Combinations

TOI: 04.0 Homeowners Sub-TOI: 04.0000 Homeowners Sub-TOI Combinations SERFF Tracking Number: AMMA-127205413 State: New Hampshire Filing Company: Amica Mutual Insurance Company State Tracking Number: Company Tracking Number: NH-H-11-3-HPP TOI: 04.0 Homeowners Sub-TOI: 04.0000

More information

Rental Dwelling Protection Program

Rental Dwelling Protection Program Rental Dwelling Protection Program American Family s Rental Dwelling Protection Program With more than thirty years of commercial lines policy experience and $15 billion in assets*, American Family offers

More information

COMPREHENSIVE COVERAGE

COMPREHENSIVE COVERAGE COMPREHENSIVE COVERAGE IN YOUR POCKET Comprehensive Coverage Explained: A Pocket Guide to Understanding the Difference Between Homeowners Insurance, Home Warranty Service Agreements and New Construction

More information

MAYFLOWER MUNICIPAL HEALTH GROUP ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ HMO COMPARISON OF BENEFITS

MAYFLOWER MUNICIPAL HEALTH GROUP ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ HMO COMPARISON OF BENEFITS Fiscal Year 2016 2017 MAYFLOWER MUNICIPAL HEALTH GROUP ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ HMO COMPARISON OF S ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

More information

BOP Form And Endorsement List

BOP Form And Endorsement List BOP Form And Endorsement List Alphabetical List - A - BP 04 48 Additional Insured - Designated Person or Organization BP 04 16 Additional Insured - Lessor of Leased Equipment BP 04 02 Additional Insured

More information

Farm and ranch owners, commercial growers and packers AGRIBUSINESS WE INSURE YOUR GROWING BUSINESS SM

Farm and ranch owners, commercial growers and packers AGRIBUSINESS WE INSURE YOUR GROWING BUSINESS SM Farm and ranch owners, commercial growers and packers AGRIBUSINESS WE INSURE YOUR GROWING BUSINESS SM Farm and ranch owners have a different lifestyle than other businesses, which translates into unique

More information

Table 1: Workers Compensation Laws And Coverage Requirements For Domestic Service Employment By Jurisdiction

Table 1: Workers Compensation Laws And Coverage Requirements For Domestic Service Employment By Jurisdiction Table 1: Laws And Coverage Requirements For Domestic Service Employment By AL Code of Alabama 1975- Articles 1-13, Sections 25-5-1 25-5-340 AK Chapter 23.30- Alaska Labor and AZ Arizona Revised Statutes-

More information

NUNLEY-INTEGRA INSURANCE SERVICES 12885 HWY 183 STE 110B AUSTIN TX 78750-3223. October 23, 2012

NUNLEY-INTEGRA INSURANCE SERVICES 12885 HWY 183 STE 110B AUSTIN TX 78750-3223. October 23, 2012 EDTN EBARCD 000 000 NUNLEY-INTEGRA INSURANCE SERVICES 12885 HWY 183 STE 110B AUSTIN TX 78750-3223 October 23, 2012 RUSSELL RUTLEDGE RONDA RUTLEDGE 7111 OAK SHORES DR AUSTIN TX 78730-4319 *Z0 121023999*

More information

Homeowners Insurance. Benefits at a glance. Look Inside. Member Discounts Umbrella Coverage Personal Property Flood Insurance

Homeowners Insurance. Benefits at a glance. Look Inside. Member Discounts Umbrella Coverage Personal Property Flood Insurance Homeowners Insurance Benefits at a glance Member Discounts Umbrella Coverage Personal Property Flood Insurance Renters POLICY AAA.com Look Inside THERE S MORE TO MEMBERSHIP. 1-866-874-7AAA AAA.com ROADSIDE

More information

A program developed by the State of New York Insurance Department. and administered by. New York Property Insurance Underwriting Association.

A program developed by the State of New York Insurance Department. and administered by. New York Property Insurance Underwriting Association. A program developed by the State of New York Insurance Department and administered by New York Property Insurance Underwriting Association.. The Problem: You receive a letter from your insurance company

More information

Farmers Homeowners Insurance

Farmers Homeowners Insurance Farmers Homeowners Insurance Cover your biggest investment Coverage you need, the options you want Your home is perhaps your most valuable possession. You need the best coverage available at a reasonable

More information

HOMEOWNER FORMS COMPARISON OF 1991, 2000 & 2011 VERSIONS

HOMEOWNER FORMS COMPARISON OF 1991, 2000 & 2011 VERSIONS PAGE 1 HOMEOWNER FORMS COMPARISON OF 1991, 2000 & 2011 VERSIONS TOPIC HOW HO-91 HANDLES IT HOW HO2000 HANDLES IT HOW THE 2011 HO REVISION HANDLES IT Risks of direct physical loss on personal property Other

More information

Coinsurance - Commercial Lines, Personal Lines, the Bottom Line Is It s a Problem!!

Coinsurance - Commercial Lines, Personal Lines, the Bottom Line Is It s a Problem!! Coinsurance - Commercial Lines, Personal Lines, the Bottom Line Is It s a Problem!! Coinsurance Commercial Lines, Personal Lines, the Bottom Line is It s a problem!!! Presented by Michael C. D Orlando,

More information

Medicare Supplement Standardized Plans

Medicare Supplement Standardized Plans Medicare Supplement Standardized Plans There are many kinds of Medicare Supplement Plan Different plans are designated with a letter Available plans include A, B, C, D, F, G, K, L, M, & N Not all plans

More information

Chapter 10. Chapter 10 Learning Objectives. Insurance and Risk Management: An Introduction. Property and Motor Vehicle Insurance

Chapter 10. Chapter 10 Learning Objectives. Insurance and Risk Management: An Introduction. Property and Motor Vehicle Insurance Chapter 10 Property and Motor Vehicle Insurance McGraw-Hill/Irwin Copyright 2012 by The McGraw-Hill Companies, Inc. All rights reserved. 10-1 Chapter 10 Learning Objectives 1. Develop a risk management

More information

SAFETY INSURANCE GROUP MASSACHUSETTS PERSONAL AUTO MANUAL

SAFETY INSURANCE GROUP MASSACHUSETTS PERSONAL AUTO MANUAL SAFETY INSURANCE GROUP MASSACHUSETTS PERSONAL AUTO MANUAL We know it s a competitive world out there, so here are some highlights of what Safety Insurance Group could offer the insured*: DISCOUNTS: 1.

More information

Lenders Property Reporting Policy

Lenders Property Reporting Policy Lenders Property Reporting Policy Fidelity and Deposit Company of Maryland Colonial American Casualty and Surety Company Application Named Insured: Address: Type of Institution: Date of Application: Agent:

More information

Visit redrivermutual.com for more information and eligibility requirements. Actual policy wordings govern.

Visit redrivermutual.com for more information and eligibility requirements. Actual policy wordings govern. Home Insurance Red River Mutual has been providing insurance protection on the prairies for over 135 years and is committed to providing competitive insurance products and equitable claims settlement.

More information

Homeowners Insurance in the States

Homeowners Insurance in the States Testimony to the Senate Business and Commerce Committee Senator John J. Carona, Chair Texas Legislature Tuesday, July 10, 2012 Heather Morton National Conference of State Legislatures Denver, Colorado

More information

Louisiana: Bulletin No. 06-06 Commercial and Homeowners Insurance Disclosure Forms. Bulletin No. 06-06 and disclosure forms attached there-in

Louisiana: Bulletin No. 06-06 Commercial and Homeowners Insurance Disclosure Forms. Bulletin No. 06-06 and disclosure forms attached there-in market bulletin From Director, Worldwide Markets (extn 6863) Date 26 January 2007 Reference Subject Subject areas Attachments Action points Y3963 Louisiana: Bulletin No. 06-06 Commercial and Homeowners

More information

Dear Lexington Village Condominium Owners Association Unit Owner:

Dear Lexington Village Condominium Owners Association Unit Owner: Dear Lexington Village Condominium Owners Association Unit Owner: CB Insurance has the privilege of providing your Association's master insurance policy. We appreciate the opportunity to serve your Association

More information

Case 2:14-cv-06333-JS-ARL Document 1 Filed 10/28/14 Page 1 of 13 PageID #: 131. : : - against - : : : Defendant.

Case 2:14-cv-06333-JS-ARL Document 1 Filed 10/28/14 Page 1 of 13 PageID #: 131. : : - against - : : : Defendant. Case 214-cv-06333-JS-ARL Document 1 Filed 10/28/14 Page 1 of 13 PageID # 131 UNITED STATES DISTRICT COURT EASTERN DISTRICT OF NEW YORK ---------------------------------------------- x MONTAJ, INC., Plaintiff,

More information

Jane L. Cline, Insurance Commissioner Phone: 558-3354 ext. 140 Email: Jane.Cline@wvinsurance.gov

Jane L. Cline, Insurance Commissioner Phone: 558-3354 ext. 140 Email: Jane.Cline@wvinsurance.gov A Financial Analysis of Homeowners Insurance State of West Virginia Offices of the Insurance Commissioner July 2004 Contacts for questions and comments on this report: Jane L. Cline, Insurance Commissioner

More information

BOP. BuildingABetter. AAIS filing introduces new options and more refined rating COMMERCIAL

BOP. BuildingABetter. AAIS filing introduces new options and more refined rating COMMERCIAL COMMERCIAL BOP 3 5 2.5 2.5 15 BuildingABetter 360 60 15 3 7.5 45 45 45 45 2.5 6 2.5 360 3 5 2.5 2.5 3 7.5 3 2.5 6 2.5 AAIS filing introduces new options and more refined rating The greatest value for an

More information

MASSACHUSETTS PROPERTY INSURANCE UNDERWRITING ASSOCIATION

MASSACHUSETTS PROPERTY INSURANCE UNDERWRITING ASSOCIATION MASSACHUSETTS PROPERTY INSURANCE UNDERWRITING ASSOCIATION Underwriting Division Two Center Plaza Boston, Massachusetts 02108-1904 (617) 723-3800, MA Only (800) 392-6108, FAX (617) 557-5678 October 31,

More information

DISTRICT OF COLUMBIA PROPERTY INSURANCE FACILITY ESSENTIAL HOMEOWNERS INSURANCE INSPECTION AND PLACEMENT

DISTRICT OF COLUMBIA PROPERTY INSURANCE FACILITY ESSENTIAL HOMEOWNERS INSURANCE INSPECTION AND PLACEMENT TO: DISTRICT OF COLUMBIA PROPERTY INSURANCE FACILITY 170 W. RIDGELY ROAD, SUITE 230 LUTHERVILLE, MARYLAND 21093 TEL: 1-800-492-5670 FAX: (410) 244-7268 APPLICANT (PLEASE PRINT OR TYPE) NAME DISTRICT OF

More information

PROTECTOR PLUS ENDORSEMENT PACKAGE

PROTECTOR PLUS ENDORSEMENT PACKAGE FF PR PL 06 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PROTECTOR PLUS ENDORSEMENT PACKAGE For an additional premium the following policy forms are endorsed to the policy: HO IRC

More information

A DECADE OF ABARI-SUPPORTED BODY SHOP LEGISLATION CONTINUES TO TAKE ITS TOLL ON RHODE ISLAND S AUTO INSURANCE COSTS AND PRICES:

A DECADE OF ABARI-SUPPORTED BODY SHOP LEGISLATION CONTINUES TO TAKE ITS TOLL ON RHODE ISLAND S AUTO INSURANCE COSTS AND PRICES: SPECIAL REPORT A Decade of ABARI-Supported Body Shop Legislation Continues to Take Its Toll on Rhode Island s Auto Insurance Costs & Prices: Rhode Island versus Nearby States March 2015 A DECADE OF ABARI-SUPPORTED

More information

MARYLAND PROPERTY INSURANCE AVAILABILITY PROGRAM ESSENTIAL HOMEOWNERS INSURANCE INSPECTION AND PLACEMENT

MARYLAND PROPERTY INSURANCE AVAILABILITY PROGRAM ESSENTIAL HOMEOWNERS INSURANCE INSPECTION AND PLACEMENT MARYLAND PROPERTY INSURANCE AVAILABILITY PROGRAM ESSENTIAL HOMEOWNERS INSURANCE INSPECTION AND PLACEMENT DATE (MM/DD/YYYY) TO: JOINT INSURANCE ASSOCIATION 170 W. RIDGELY ROAD, SUITE 230 LUTHERVILLE, MARYLAND

More information

COMPARISON OF SELECT STANDARD TEXAS DWELLING FIRE FORMS WITH ISO DP3

COMPARISON OF SELECT STANDARD TEXAS DWELLING FIRE FORMS WITH ISO DP3 COMPARISON OF SELECT STANDARD TEXAS DWELLING FIRE FORMS WITH ISO DP3 www.imga.biz COMPARISON OF SELECT STANDARD TEXAS DWELLING FIRE FORMS WITH ISO DP3 COVERED PROPERTY PERILS INSURED AGAINST EXTENSIONS

More information

A CONSUMER'S GUIDE TO RENTER S INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE

A CONSUMER'S GUIDE TO RENTER S INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A CONSUMER'S GUIDE TO RENTER S INSURANCE from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, The North Carolina Department of Insurance

More information

HOMEOWNERS BY-PERIL RATING PLAN

HOMEOWNERS BY-PERIL RATING PLAN HOMEOWNERS BY-PERIL RATING PLAN Homeowners By-Peril Rating Plan Your Plan to Compete... Homeowners insurers are under intense pressure to rate policies more precisely. With more carriers utilizing refined

More information

UNDERWRITING GUIDELINES HOMEOWNERS ED 05.26.05 BEACH PLAN NCIUA

UNDERWRITING GUIDELINES HOMEOWNERS ED 05.26.05 BEACH PLAN NCIUA HO3 Replacement/Special Form, HO2 Replacement/Broad Form, ACV/Modified Form, HO6 Unit-Owners Form, and HO4 Contents Broad Form Named Insured HO3, HO2,, and HO6 All policies must be written in the name

More information

LEXINGTON INSURANCE COMPANY

LEXINGTON INSURANCE COMPANY LEXINGTON INSURANCE COMPANY HO3 UNDERWRITING GUIDELINES September 2011 RISK CRITERIA HO3 Minimum Limit - $500,000 in all Coastal Counties and Portion of Harris County. Minimum Limit - $150,000 in all other

More information