Contents. Product Information. Discounts Loss Surcharges. Eligibility. Billing Options. Questions

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2 Contents Product Information Discounts Loss Surcharges Eligibility Billing Options Questions

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4 Policy Forms Offered This product is designed to appeal to a broad group of consumers by utilizing the following policy forms: HO-3 Home HO-4 Renters HO-6 Condo

5 Enhanced Home Package The Enhanced Home Package (EHP) bundles the most popular coverages. You may elect this option rather than selecting each coverage a la carte. The EHP includes the following coverages: Additional Replacement Cost Protection (Up to 150%) Personal Property Replacement Cost Water Back-up of Sewers and Drains minimum $5000 Personal Injury Coverage Special Personal Property (HO-4 and HO6) Additional Loss Assessment Coverage (HO-3 & HO-6) Increased Special Limits of Liability Lock Replacement Coverage * Reward Coverage Increased Fire Department Service Charge Coverage * Increased Credit Card, Forgery, Counterfeit Coverage * Increased Damage to Property of Others Coverage * No deductible applies

6 Valuable Items Plus A cross between Blanket Coverage and Scheduled Personal Property Coverage, the Valuable Items Plus Endorsements gives many of the benefits of both. Your customer may elect coverage for jewelry, silverware, fine arts, furs, computers, firearms, cameras, musical instruments, and china/crystal. The minimum and maximum limits vary by item. For example, Jewelry Coverage under the Valuable Items Plus Endorsement is as follows: Class of Property: Jewelry Minimum Limit: $1,000 Maximum Limit: $50,000 Payout Per Item Limit: $20,000 Any item lost or misplaced is not covered unless specifically listed with a description in the declarations. Items valued over $5,000 must include documentation of value (ex: appraisal, current price listing).

7 Policy Endorsements Increased limits of 125% and 150% are available on Coverage A on the HO-3 product Additional Replacement Cost Replacement Cost Contents This endorsement will amend the Personal Property settlement from ACV to Replacement Cost. This can be done by adding Personal Property Replacement Cost Loss Settlement, choosing the Titanium or the Enhanced Home Package.

8 Policy Endorsements Special Personal Property Changes Coverage C from Named Peril to All Risk. Included with EHP for HO-4 and HO-6 Ordinance or Law Coverage may be increased up to 15% of coverage A (HO3) Ordinance or Law Loss Assessment Increased limits from $2,000 to $50,000 are available on the HO-3 and HO-6 products. Limits up to $75,000 may be provided for water back-up & sump discharge or overflow. Water Back-Up & Sump Discharge or Overflow

9 Policy Endorsements Provides Personal Property and Liability coverage for a full-time student who was a resident of the named insured s household before moving to attend school Student Living Away Identity Fraud Expense Coverage up to $25,000 may be provided for expenses incurred by the insured as a result of the fraudulent use of the insured s identity by a third party. For dwellings which the deed to the property is held solely by a trust, the policy may be issued in the name of both the trust and trustee. Residence Held in Trust

10 Functional Replacement Cost Functional replacement cost means the amount which it would cost to repair or replace the damaged building with less costly common construction materials and methods. Used when the building method/material may be obsolete or antique. Examples: Plaster walls may be replaced with sheet rock Slate roof may be replaced with asphalt shingles The Functional Replacement Cost Endorsement is required on dwellings built prior to 1940 only if Standard MSB Replacement Cost (which is the system default) is used. Homes with Functional Replacement Cost do not qualify for Additional Replacement Cost.

11 Additional Policy Endorsements Additional Residence Rented to Others Assisted Living Care Building Additions and Alterations Other Residences Business Property Business Pursuits Credit Card, EFT Card, Forgery and Counterfeit Money Medical Payments to Others Motorized Golf Cart Coverage Other Insured Locations Occupied by the Insured Other Members of Named Insured Household Other Structures on Residence Premises Rented to Others Other Structures Rented to Others Outboard Motors and Watercraft Permitted Incidental Occupancies (Residence & Other Residence) Personal Injury Personal Property Other Residences Rental to Others Theft Coverage Replacement Cost Loss Settlement for Non-building Structures Residence Premises Basic and Increased Limits/Other Exposures Residence Employees Unit Owner s Units Regularly Rented to Others Watercraft Hull

12 Homeowner Packages Includes Enhanced Home Package Gold Platinum Titanium Dwelling Coverage A Perils Insured Against All Risk All Risk All Risk Additional Replacement Cost Optional 125% Cov. A 150% Cov. A Other Structures Coverage B Percentage of Dwelling Coverage 10% of Cov. A 10% of Cov. A 10% of Cov. A Perils Insured Against All Risk All Risk All Risk Contents Coverage C Percentage of Dwelling Coverage 50% of Cov. A 70% of Cov. A 70% of Cov. A Perils Insured Against Named Perils Named Perils All Risk Contents Replacement Cost Optional Included Included Loss of Use Coverage D Percentage of Dwelling Coverage 30% of Cov. A 30% of Cov. A 30% of Cov. A Personal Liability - Coverage E Limit of Liability $100,000 $300,000 $500,000 Medical Payments to Others - Coverage F Limit of Liability $1,000 $1,000 $5,000 Additional Coverages Lock Replacement Available only with EHP Available only with EHP $250 Ordinance or Law 10% of Cov. A 10% of Cov. A 15% of Cov. A Water Back Up of Sewer and Drains Optional Optional Included Personal Injury Optional Optional Included Identity Fraud Optional Optional Included Special Limits Money, Coins $200 $200 $300 Securities, Stamps $1,500 $1,500 $3,000 Trailers $1,500 $1,500 $3,000 Watercraft $1,500 $1,500 $3,000 Jewelry and Furs $1,500 Stolen $1,500 Stolen $3,000 Stolen Silverware $2,500 Stolen $2,500 Stolen $4,000 Stolen Firearms $2,500 Stolen $2,500 Stolen $3,500 Stolen Home Computer $2,500 $2,500 $3,500 Oriental Rugs $2,000 per article $2,000 per article $3,000 per article

13 Deductibles All Perils Deductible All Perils Deductible is a mandatory deductible and ranges from $1,500 to $50,000. ($500 for HO4 & HO6) Special Windstorm or Hail Deductible Deductible amounts range from 1% to 10% of Coverage A. There may be a minimum windstorm or hail deductible depending on the property location. ($1,500 minimum deductible in zone 1.)

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15 Discounts Loss Free Applicant must be loss free during the experience period. Only losses of $500+ are considered in the rating. Discount is applied if a Mercury Home Insurance Policy is issued within 12 months of the dwelling or condo purchase Home Buyer Multiple Policy Discount is applied when Mercury Home Insurance policy is purchased in conjunction with a Mercury Auto or Umbrella Policy

16 Discounts, cont. Protective Devices Discount is available for the following Fire prevention devices: Fire Extinguisher Smoke Alarm Local Fire Alarm Central Fire Alarm Direct Fire Alarm Partial Sprinkler System Full Sprinkler System A Discount is also available for the following Theft prevention devices: Dead Bolts Local Burglar Alarm Central Burglar Alarm Direct Burglar Alarm 24-Hour Security Guard

17 Loss Surcharge Surchargable Losses: Payout of $500 or greater Current or previous residence Non-Surchargable Losses: Closed Without Payment Valuable Items Plus Personal Articles Floater Identify Fraud Workers Compensation Any type of cat loss will affect the premium: Designated serial numbered cat loss Non-designated serial numbered cat loss

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19 Occupancy Requirements The following outlines the occupancy and structure requirements: HO-3 Home HO-4 Renters HO-6 Condominium Owner Occupied or Owner/Tenant Occupied One or Two Family Dwellings Secondary, Seasonal, or Additional Dwellings Tenant Occupied Apartments, Condominiums, Townhouses, Row Homes, Cooperatives, Single Family Dwellings, Multi Family Dwellings, and Retirement Homes Secondary, Seasonal, or Additional Dwellings Owner Occupied or Tenant Occupied Condominiums and Townhouses Secondary, Seasonal, or Additional Dwellings

20 Replacement Cost Below outlines our Replacement Cost requirements: HO-3 Home HO-4 Renters HO-6 Condominium Minimum Coverage A $80,000 Maximum Coverage A $1,000,000 Minimum Coverage C and Additions and Alterations $25,000 Maximum Coverage C and Additions and Alterations $500,000 Minimum Coverage A & C $50,000 Maximum Coverage A & C $750,000 High limit applications (e.g. HO-3 of $600k or more) require Underwriting pre-approval. Refer to the Underwriting Guidelines for additional information.

21 Renovations Roof The Roof must be replaced within the last 20 years and in acceptable condition (exception: slate and tile). Wood shake or wood shingle roofs are unacceptable. The Heating System must be updated within the last 50 years and in acceptable, working condition. A central heating system or thermostatically controlled electric heating system is required. Heating Electrical The Electrical System must be updated within the last 50 years. The Plumbing System must be updated within the last 50 years and in acceptable, working order (i.e. no leaks). Plumbing

22 Ineligible Exposures Ineligible Exposures Mobile and manufactured homes (not including modular) Log homes Farming/ranching operations Underground Fuel Tank Ineligible Residence Status Dwellings up for sale Dwellings in the course of construction Vacant or unoccupied dwellings Dwellings foreclosed during the past 3 years (exceptions apply) Dwellings with more than 2 mortgages (exceptions apply) Ineligible Business Exposures Risks with home day care operation on premises

23 Ineligible Exposures Trampolines Unfenced in-ground pool Free-standing pool slides Skateboard ramps and rails Bicycle Jumps Animal or pet that is vicious or has previously bitten or injured, or if any occupant has a dog that is a Wolf Hybrid. Unacceptable breeds Include Akitas, Bull Terriers, Chows, Doberman Pinschers, German Shepherds, Pit Bulls, Presa Canarios, Rottweilers, And Staffordshire Bull Terriers.

24 Prior Losses Prior Loss History Requirements Risks with > 1 loss in the past 3 years will not be considered Risks with > 2 losses in the past 5 years will not be considered Risks with more than1 fire loss, more than 1 water loss, more than 1 wind/hail loss more than 1 liability loss or more than 1 theft loss in the past 5 years will not be considered Risks with open claims require prior Underwriting approval Losses closed without payment are not included in acceptability Any existing structural loss at the risk location must be repaired prior to binding.

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26 Installment Options Full-Payment 100% Down Mortgagee Billing 4-Installment 25% Down 25% 1, 60, 120, & 180 Days 2-Installment 50% Down 50% 1 & 150 Days 12-Installment 16.7% Down 7.6% Monthly

27 Payment Methods We offer the customer various ways to pay the policy premium: E-Check Or EFT Consumer Web Pay Credit Card

28 Inspections Illinois Home Inspection Program We will inspect 100% of the homes following policy issuance. While the majority of inspections will be exterior only, we may request an interior inspection for higher value and older homes. Please notify your new Mercury policyholders that an inspection will be done. We are currently contracted with Contour.

29 Aligned Auto An Aligned Auto product allows Mercury to be more responsive as it is easier to make needed changes and respond to market conditions -Better product -Segmented Pricing w/many new Discounts: *Multi-Policy *Occupation/Industry (Important to ask this question) *Advance Quote *3 Year Accident & Ticket Free *5 Year Claim Free *Continuous Insurance *Good Payer *Prior Limits of 250/500 or greater

30 Aligned Auto-continued 4-pay option now available Enhance Credit and Tier Rating (60 Tiers) Enhanced MVR/CLUE Report ordering Chargeability now pre-fills for tickets MVR/CLUE required at point of sale

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