Pennsylvania Homeowners Policy. Users Guide

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1 Pennsylvania Homeowners Policy Users Guide

2 UNDERWRITING GUIDELINES Merchants Preferred Insurance Company RISK CHARACTERISTICS HOMEOWNER PROGRAM PREMIER RESIDENCE PROGRAM Ineligible Risks The following risks are ineligible: Log construction, Mobile homes, Farms and Farm Exposures, EIFS Construction, Outdoor Wood-burning Furnaces and risks with Home Day Care exposures Coverage A Minimum $150,000 $175,000 Coverage A Maximum $1,000,000 $1,000,000 Coverage limits exceeding binding authority ($750,000; $375,000 in PC9) must be referred to your underwriter prior to binding coverage. HO4 Minimum Coverage C $40,000 N/A HO6 Minimum Coverage C $65,000 N/A Coverage E Minimum $200,000 $200,000 Forms Available HO3, HO4, HO5 & HO6 HO7 Minimum Deductible $500 all perils Age Of Dwelling Maximum 100 Years Old Maximum 35 Years Old Dwelling Update Requirements Location Protection Class Insurance To Value (ITV) If dwelling is over 25 years old, appropriate updates to the electrical, heating, plumbing and roof systems are required within the past 20 years. Heating Furnace and air-conditioning replacement, if applicable, or replacement of burners or heating systems for furnaces and compressors for central airconditioning systems Electrical minimum 100 amp circuit breaker box. No fuses, knob and tube wiring or aluminum wiring. Plumbing updated to copper and/or PVC water lines. Galvanized iron, cast iron, lead or terra cotta pipes are not acceptable. Roof Replacement of roofing materials within the past 20 years. Flat roofs or roofs covered with rolled roofing are unacceptable. RTC - Slate No building located in a known flood, wavewash, sinkhole, pollution, landslide, or cave-in area. RTC Locations within 1,000ft of Lake Erie. Protection Class 10: Ineligible 100% RCV Functional Replacement Cost Forms eligible: HO3 & HO5. Minimum age of dwelling 1950 or older. 100% Functional Replacement Cost Value Ineligible Prior Losses Two in the last 3 years None in last 3 years, excl one cat HOP 1 of 4 Effective Date: 06/18/12 NB

3 UNDERWRITING GUIDELINES Merchants Preferred Insurance Company RISK CHARACTERISTICS HOMEOWNER PROGRAM PREMIER RESIDENCE PROGRAM Townhouse Or Rowhouse Each unit in a masonry constructed multi-unit building must be separated by concrete block or masonry brick common wall. Each unit in a frame constructed multi-unit building must be separated by a common wall rated at no less than a 2-hour fire resistive rating. Common walls separating a unit located in a multi-unit building must extend through the attic space when present. Any unit built before 1950 is ineligible. Seasonal/Secondary Residence Seasonal eligible for forms HO2 or HO6 Secondary eligible for forms HO2, HO3 or HO6 Ineligible Prior Coverage Earthquake Coverage Occupancy Pets Pools Trampolines Propane Tanks Underground Oil Tanks Above Ground Oil Tanks Any prior cancellation or non-renewal - RTC Earthquake coverage may not be bound for 7 days following an earthquake One or Two Family One Family Any building which is listed in an historic register or used as student housing is ineligible. Exotic pets; pets which display vicious behavior; and dog breeds that are known to have aggressive natures, such as (but not limited to) Akitas, Chows, Dobermans, German Shepherds, Pit Bulls, Presa Canarios, Rottweilers, and Wolf Hybrids are ineligible. If there is a question on a specific breed of dog or an unusual pet, refer to your underwriter prior to binding coverage. Dogs that have previously bitten someone are ineligible. All pools must be fenced and have a self-closing, self-locking gate. Fence must be minimum 48 inches high and around the perimeter of the pool. Pools must meet all local building code requirements. Ineligible Tanks less than 500 gallons must be a minimum of 10 feet from any structure Tanks more than 500 gallons must be a minimum of 25 feet from any structure Double wall steel, modified steel (steel tank lined, coated or anodized), polyethylene or fiberglass-based units no older than 18 years are acceptable. Single wall steel units are unacceptable for underground installation. Abandoned tanks must be decommissioned by an EPA certified professional. Single wall steel tanks up to 10 years old are acceptable. Double wall steel, modified steel (steel tank lined, coated or anodized), polyethylene or fiberglass-based units up to 20 years old are acceptable. Abandoned tanks on the premises no longer in use are not acceptable. HOP 2 of 4 Effective Date: 06/18/12 NB

4 UNDERWRITING GUIDELINES Merchants Preferred Insurance Company SCHEDULED ITEMS HO AND HO (ATTACHMENT TO THE HOMEOWNERS POLICY) Maximum Binding Authority (by class) For Coverage amounts exceeding binding authority - RTC For Form HO4, Limits exceeding 20% of Coverage C - RTC Per Item Per Schedule *Cameras, *Musical Instruments, Coins and Stamps (*Professional Exposures are Ineligible) $2,500 $10,000 Silverware $5,000 $25,000 Furs $10,000 $25,000 Fine Arts (breakage not available) $10,000 $75,000 Jewelry $15,000 $75,000 All Classes Combined $200,000 Evidence of Value Requirements - HO Per Item Evidence Required All Classes Excluding Fine Arts Fine Arts Under $10,000 $10,000 and above Under $5,000 $5,000 and over Detailed Description Certified Appraisal or Bill of Sale Detailed Description Certified Appraisal or Bill of Sale Evidence of Value Requirements - HO Per Item Evidence Required All Classes with Agreed Value Settlement Clause (HO 04 60) Under $5,000 $5,000 and above Detailed Description Certified Appraisal or Bill of Sale HOP 3 of 4 Effective Date: 06/18/12 NB

5 UNDERWRITING GUIDELINES Merchants Preferred Insurance Company WATERCRAFT AND PLEASURECRAFT GUIDELINES (ATTACHMENT TO THE HOMEOWNERS POLICY) RISK CHARACTERISTICS HOMEOWNER PROGRAM PREMIER RESIDENCE PROGRAM Forms Available Maximum Speed Age HO3, HO5, HO6 and HO7 40 miles per hour 20 years or newer Maximum Value $30,000 Losses Operator Guidelines Ineligible Watercraft No watercraft losses in the past three years Operators must possess a valid driver's license; Related auto must be written through Merchants Flexible-Choice Auto in tiers a - h; No operator can be convicted of boating or driving while intoxicated Any watercraft used for racing, business, charter, rental or any other commercial use including being for sale. High performance, jet boats, houseboats, homemade or kit boats are ineligible Horsepower To Length Outboards 45 HP Up to 13'5' 60 HP 13'6' - 14'5" 80 HP 14'6" - 15'11" 100 HP 16' - 17'5" Inboard/Outboard 150 HP Up to 15'11' 175HP 16' - 17'11" 200HP 18' - 19'11" 250HP 20' - 26' HOP 4 of 4 Effective Date: 06/18/12 NB

6 MANUAL PAGES TABLE OF CONTENTS Rule 100 Introduction... 5 Rule 101 Limits of Liability and Coverage Relationships... 6 Rule 102 Description of Coverages... 7 Rule 103 Mandatory Coverages... 8 Rule 104 Eligibility... 8 Rule 105 Secondary Residence Premises Rule 106 Protection Classification Information Rule 107 Construction Definitions Rule 108 Seasonal Dwelling Definition Rule 109 Single And Separate Buildings Definition Rule 201 Policy Period Rule 202 Changes or Cancellations Rule 203 Manual Premium Revision Rule 204 Multiple Company Insurance Rule 205 Minimum Premium Rule 206 Transfer or Assignment Rule 207 Waiver of Premium Rule 208 Whole Dollar Premium Rule Rule 209 Restriction of Individual Policies Rule 210 Refer to Company Rule 211 Additional Interest Rule 301 Base Premium Computation Rule 302 Loss Settlement Options Rule 303 Ordinance or Law Coverage All Forms Rule 304 Special Personal Property Coverage HO Rule 401 Superior Construction Rule 402 Townhouse Or Row House All Forms Except HO And HO Rule 403 Personal Property (Coverage C) Replacement Cost Loss Settlement Rule 404 Protective Devices Rule 405 Inflation Guard Rule 406 Deductibles Rule 407 Additional Amounts Of Insurance Rule 408 Actual Cash Value Loss Settlement Windstorm Or Hail Losses To Roof Surfacing Rule 409 Replacement Cost Loss Settlement For Certain Non-Building Structures Rule 410 Building Code Effectiveness Grading Rule 501 Building Additions And Alterations At Other Residences Rule 502 Building Additions And Alterations Increased Limit HO Rule 503 Business Property Increased Limit Rule 504 Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money.. 54 Rule 505 Earthquake Coverage... 55

7 MANUAL PAGES TABLE OF CONTENTS Rule 506 Fire Department Service Charge Rule 507 Form HO Coverage A Dwelling Basic And Increased Limits Rule 508 Form HO Units Regularly Rented To Others Rule 509 Home Day Care Coverage Rule 510 Permitted Incidental Occupancies Residence Premises Rule 511 Loss Assessment Coverage Rule 512 Loss Of Use Increased Limit Rule 513 Ordinance Or Law Increased Amount Of Coverage HO and HO Rule 514 Other Structures Rule 515 Personal Property Rule 516 Personal Property Scheduled Rule 517 Rental To Others Extended Theft Coverage All Forms Rule 518 Sinkhole Collapse Coverage All Forms Except HO and HO Rule 519 Special Computer Coverage All Forms Except HO 00 05, Premier Residence Rule 520 Livestock Collision Coverage Rule 521 Water Back Up And Sump Discharge Or Overflow Rule 522 Landlords Furnishings Rule 523 Assisted Living Care Coverage Rule 524 Other Members Of A Named Insured's Household Rule 525 Motorized Golf Cart Physical Loss Coverage Rule 526 Residence Held In Trust All Forms Except HO Rule 527 Student Away From Home Rule 528 Home Business Insurance Coverage Rule 529 Modified Other Insurance And Service Agreement Condition HO Only Rule 601 Residence Premises Basic And Increased Limits/Other Exposures Basic Limits Rule 602 Other Insured Location Occupied By Insured Rule 603 Residence Employees Rule 604 Additional Residence Rented To Others Rule 605 Other Structures Rented To Others Residence Premises Rule 606 Computer-Related Damage Or Injury Exclusion And Coverage Options Rule 607 Home Day Care Coverage Rule 608 Permitted Incidental Occupancies Residence Premises And Other Residences Rule 609 Business Pursuits Rule 610 Personal Injury Rule 611 Incidental Low Power Recreational Motor Vehicles Rule 612 Outboard Motors And Watercraft Rule 613 Owned Snowmobile Rule 614 Farmers Personal Liability Rule 615 Incidental Farming Personal Liability Rule 616 Optional Property Remediation For Escaped Liquid Fuel And Limited Lead... 98

8 MANUAL PAGES TABLE OF CONTENTS Rule 701 Other Exposures Personal Liability Increased Limits Rule 702 Other Exposures Medical Payments To Others Increased Limits Rule 801 Additional Coverage Extensions Rule 802 Account Policy Factor Rule 803 Construction Age Factor Rule 804 Maximum Credit Rule Rule 805 Identity Recovery And Expense Coverage Rule 806 Home Advantage Coverage Rule 807 Builders Risk Endorsement For Homeowners Rule 808 Loss History Rule 810 Premier Residence Rule 820 Home Advantage Plus Coverage Rule 821 Territory/Sub Territory Factor Additional Rules Rule A1 Special State Requirements Rule A2 Credit For Existing Insurance Rule A3 Limited Fungi, Wet Or Dry Rot Or Bacteria Coverage Rule A4 Community Mitigation Classification Manual Rule A5 Identity Fraud Expense Coverage Rule A6 Loss History Rating Plan All Forms

9 MANUAL PAGES RULE 100 INTRODUCTION A. About The Homeowners Manual The Homeowners Policy Program provides property and liability coverages, using the forms and endorsements specified in this Manual. This Manual contains the rules and classifications governing the writing of the Homeowners Policy. The rules, rates, forms and endorsements of the company for each coverage shall govern in all cases not specifically provided for in this Manual. B. Manual Structure 1. Contents The Manual includes both multi-state general rules and state rules and rates. 2. General Rules These rules are grouped into the following categories a. Part I Coverage And Definition Type Rules, b. Part II Servicing Type Rules, c. Part III Base Premium Computation Rules, d. Part IV Adjusted Base Premium Computation Rules, e. Part V Section I Property Additional Coverages And Increased Limits Rules, f. Part VI Section II Liability Additional Coverages And Increased Limits Rules, and g. Part VII Section II Liability Other Exposures Increased Limits Rules. 3. State Rules And Rates These rules are grouped into the following categories: a. Additional Rules (exceptions are incorporated into the specific rule), b. Special State Requirements, c. Territory Definitions, d. Base Class Premium e. Classification and Tier Factor f. Rates, Charges and Credits. Also, where ISO does not publish any state pages containing premiums, rates, charges and credits expressed in dollars and cents, Merchants has furnished its manual holders with the state rate pages containing this information. 4. Form References The Manual refers to Forms HO 00 02, HO 00 03, HO 00 04, HO 00 05, HO and Premier Residence, These Form references are identified as follows: a. Homeowners 2 Broad Form HO 00 02, b. Homeowners 3 Special Form HO 00 03, c. Homeowners 4 Contents Broad Form HO d. Homeowners 5 Comprehensive Form HO and Premier Residence e. Homeowners 6 Unit-Owners Form HO PA FCH 5 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

10 MANUAL PAGES RULE 101 LIMITS OF LIABILITY AND COVERAGE RELATIONSHIPS A. Limits The limits of liability required under the Homeowners policy are as follows: 1. Section I Property Damage Coverage A Dwelling HO 00 02, HO 00 03, HO or Premier Residence HO Coverage B Other Structures HO 00 02, HO 00 03, HO or Premier Residence Coverage C Personal Property HO 00 02, HO or HO Premier Residence HO and HO Coverage D Loss of Use HO 00 02, HO 00 03, HO or Premier Residence HO HO Table 101.A.1. Property Damage Limits Refer to Rule 301 in the state classification pages Refer to Rule 507.A. 10% of A (One and two family dwelling) 50% of A (One and two family dwelling) 70% of A (One family dwelling) Refer to Rule 301 in the state classification pages. 30% of A 30% of C 50% of C 2. Section II Liability (All Forms) Coverage E Personal Liability and Coverage F Medical Payments Refer to Rule 301 in the state classification pages. Unless otherwise stated, Coverage E limits apply on an "occurrence" basis; Coverage F limits apply on an "each person" basis. Table 101.A.2. Liability Limits B. All Forms The limit of liability for Coverages C or D of Section I and E or F of Section II may be increased. C. Form HO 00 02, HO 00 03, HO or Premier Residence Under Coverage B of Section I, an additional amount of insurance may be written on a specific structure. Under Coverage C of Section I, it is permissible to reduce the limit of liability to an amount not less than 40% of the limit of a one and two family dwelling. D. Form HO and HO The limit of liability for coverage A of Section I may be increased. PA FCH 6 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

11 MANUAL PAGES RULE 102 DESCRIPTION OF COVERAGES The following is a general description of the coverages provided by the individual Homeowners Policy forms. The policy should be consulted for exact contract conditions. A. Section I Property Perils Insured Against Perils Insured Against Perils HO HO Fire or Lightning Windstorm or Hail, Explosion, Riot or civil commotion, Aircraft, Vehicles or Smoke Vandalism or malicious mischief Theft 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) Table 102.A. Perils Insured Against Yes Yes Yes Yes Yes Yes No Yes Cov. C Yes Cov. C Yes Cov. C Yes Cov. C Yes Cov. C Yes Cov. C Yes Cov. A, B and D HO and HO Yes Yes Yes Yes Yes Yes No HO & Premier Residence No No No No No No Yes Cov. A, B, C and D B. Section II Liability All Forms 1. Coverage E Personal Liability Covers payment on behalf of any insured for all sums which the insured shall become legally obligated to pay as damages because of bodily injury or property damage arising out of an insured s premises or personal activities. 2. Coverage F Medical Payments To Others Covers medical expenses incurred by persons, other than the insured, who sustain bodily injury caused by an accident arising out of an insured's premises or personal activities. PA FCH 7 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

12 MANUAL PAGES RULE 103 MANDATORY COVERAGES It is mandatory that insurance be written for all coverages provided under both Sections I and II of the Homeowners Policy. RULE 104 ELIGIBILITY PA FCH 8 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

13 MANUAL PAGES A. All Forms Except HO and HO A Homeowners Policy may be issued 1. To the owner-occupant(s) of a 1, 2, 3 or 4 family dwelling which is used exclusively for private residential purposes (except as provided in Paragraphs F. and H.). A 1 family dwelling may not be occupied by more than one additional family or two roomers or boarders. In a 2, 3 or 4 family dwelling, an individual family unit may not be occupied by more than two families or one family with two roomers or boarders; or 2. To the purchaser-occupant(s) who has entered into a long-term installment contract for the purchase of the dwelling and who occupies the dwelling but to whom title does not pass from the seller until all the terms of the installment contract have been satisfied. The seller retains title until completion of the payments and in no way acts as a mortgagee. The seller s interest in the building and premises liability may be covered using Additional Insured Endorsement HO 04 41; or 3. To the occupant of a dwelling under a life estate arrangement when the Coverage A amount is at least 80% of the dwelling s replacement cost. The owner s interest in the building and premises liability may be covered using Additional Insured Endorsement HO 04 41; or 4. To cover dwellings in the course of construction provided the policy is issued only in the name of the intended owner-occupant(s) of the dwelling. 5. When two or more apartment units in a 2, 3 or 4 family dwelling are occupied by co-owners, each occupying distinct living quarters with separate entrances. Given these circumstances, a Homeowners Policy providing building coverage may be issued to only one of the co-owner occupants of the dwelling. The policy may be endorsed to cover the interest of the other co-owner(s) in the building and for premises liability. Use Additional Insured Endorsement HO A separate Homeowners Policy HO may be issued to the co-owner(s) occupying the other apartment(s) in the dwelling. It is permissible to extend the Homeowners Policy, without additional premium charge, to cover the interest of a non-occupant joint owner in the building and for premises liability. Use Additional Insured Endorsement HO B. Form HO A Homeowners Policy may be issued to: 1. The tenant(s) (non-owner) of a dwelling or an apartment situated in any building; or 2. The owner-occupant(s) of a dwelling, cooperative unit or of a building containing an apartment not otherwise eligible for a Homeowners Policy under Paragraph A. provided the residence premises occupied by the insured is used exclusively for residential purposes (except as provided in Paragraph F. ). The dwelling or apartment unit may not be occupied by more than one additional family or two boarders or roomers. C. Form HO A Homeowners Policy may be issued to the owner(s) of a condominium or cooperative unit which is used exclusively for residential purposes (except as provided in Paragraphs F. and H.). The unit may not be occupied by more than one additional family or two boarders or roomers. D. Seasonal Dwelling Subject to all other sections of this rule, a Homeowners Policy may be issued to cover a seasonal dwelling. PA FCH 9 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

14 MANUAL PAGES E. Mobile Home, Trailer Home Or House Trailer A Homeowners Policy: 1. Shall not be issued to cover such structures under Coverage A Dwelling, but 2. May be issued to cover personal property in such structures as noted in Paragraph B. F. Permitted Business Occupancies Certain business occupancies are permitted provided: 1. The premises is occupied principally for private residential purposes, and 2. There is no other business occupancy on the premises. When the business is conducted on the residence premises, refer to Rules 509 and 510. for Section I Coverage and Rules 607 and 608. for Section II Coverage. When it is conducted from an Other Residence, only Section II Coverage is available. Refer to Rules 607 and 608. G. Farm Property A Homeowners Policy shall not be issued to cover any property to which farm forms or rates apply under the rules of the company, except as noted in following Paragraphs 1. and Section I Property Livestock Collision Coverage may be provided for loss due to collision which results in the death of covered livestock owned by an insured and kept either on or away from the residence premises as specified in Rule Section II Liability Coverage Certain farm liability exposures may be covered. Refer to Rules 614 and 615. H. Residence Held in Trust A Homeowners Policy may be issued in the name of a trust and trustee(s) when legal title to a 1 through 4 family dwelling or a condominium unit is held solely by the trust and 1. The trustee and/or beneficiary or grantor regularly reside in the residence held in trust; and 2. The residence held in trust is used exclusively for residential purposes, except as provided in Paragraph F. Refer to Rule 526 for the rule of application. I. Rating Plan A Homeowners Policy shall not be issued to cover any dwelling subject to the Pennsylvania Substandard Fire Insurance Rating Plan. PA FCH 10 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

15 MANUAL PAGES RULE 105 SECONDARY RESIDENCE PREMISES A. Application Homeowners coverage on a secondary residence premises shall be provided under a separate policy. The rules of this Manual apply except that Section II Coverage is not mandatory for the secondary residence policy when the same company insures the initial and secondary residence. B. Premium Adjustment When coverage is provided on the initial and secondary residence premises under separate policies in the same company, the following premium adjustments should be made: 1. Reduce the Base Premium for the policy covering the secondary residence by the company credit; 2. Refer to Rate Page for credit; and 3. Add the charge for Other Insured Location Occupied by Insured, developed from Rule 602 to the policy covering the initial residence. PA FCH 11 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

16 MANUAL PAGES RULE 106 PROTECTION CLASSIFICATION INFORMATION The Protection Class listings in the Public Protection Classification Manual apply to risks insured under Homeowners Program policies. A. The protection class indicated applies in a municipality or classified area where a single class of fire protection is available throughout (8, 7, 6, etc.). B. In a classified area where two or more classifications are shown (for example, 6/9), the classification is determined as follows: Distance to Fire Station Table 106.B. Two or More Classifications Class 1. 5 road miles or less with hydrant within 1,000 feet * 2. 5 road miles or less with hydrant beyond 1,000 feet 9 3. Over 5 road miles 10 *First protection class (for example, 6/9 use Class 6) C. A Protection Class 9 dwelling meeting all of the following criteria may be rated at a suburban class. a. The dwelling is within five road miles to the responding fire department. b. The dwelling is within 1,000 feet to a year round water source (hydrant or body of water) and the fire department responds with a pumper truck with a capacity of at least 1,500 gallons. c. The dwelling is within sight of three neighboring dwellings. d. The dwelling is accessible year round. The suburban class for a community with a split class would be the lower class. For example, a split class of 6/9 would be rated with the lower class, 6. A community with a single class 9 would be rated as a class 8. Note: A community with no hydrants might have a class of 9/10. In this case the class 10 always applies if the building is over 5 miles from the fire station. The suburban class would be a class 8. D. All other properties are Class 10. E. Protection Class Factors 1. A rating factor will be applied to each peril premium based on protection class factor. 2. The Protection Class Factor will be applied to the policy premium as described in Rule Refer to the Rate Pages in this manual for the applicable Protection Class Factor PA FCH 12 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

17 MANUAL PAGES RULE 107 CONSTRUCTION DEFINITIONS A. Frame Exterior wall of wood or other combustible construction, including wood iron-clad, stucco on wood or plaster on combustible supports, or aluminum or plastic siding over frame. B. Masonry Veneer Exterior walls of combustible construction veneered with brick or stone. C. Masonry Exterior walls constructed of masonry materials such as adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile or similar materials and floors and roof of combustible construction (Disregarding floors resting directly on the ground). D. Superior Construction 1. Non-Combustible Exterior walls and floors and roof constructed of, and supported by metal, asbestos, gypsum, or other noncombustible materials. 2. Masonry Combustible Exterior walls constructed of masonry materials (as described in Paragraph C.) and floors and roof of metal or other non-combustible materials. 3. Fire Resistive Exterior walls and floors and roof constructed of masonry or other fire resistive materials. E. Mixed (Masonry/Frame) A combination of both frame and masonry construction shall be classed as frame when the exterior walls of frame construction (including gables) exceed 33 1/3% of the total exterior wall area; otherwise class as masonry. F. Construction Type Factor 1. A rating factor will be applied to each peril premium based on the construction type. For the purposes of this factor, construction type will be divided into two categories: a. Frame, which includes frame and masonry veneer b. Masonry, which includes masonry and superior construction For dwellings constructed of both frame and masonry construction, refer to E. above. 2. The factor applies to dwellings insured under forms HO , HO 00 03, HO 00 05, and Premier Residence and to Personal Property insured under forms HO and HO The factor will be applied to the policy premium as described in Rule 301. Refer to the Rate Pages in this manual for the applicable Construction Type Factor. PA FCH 13 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

18 MANUAL PAGES RULE 108 SEASONAL DWELLING DEFINITION A seasonal dwelling is a dwelling with continuous unoccupancy of three or more consecutive months during any oneyear period. PA FCH 14 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

19 MANUAL PAGES RULE 109 SINGLE AND SEPARATE BUILDINGS DEFINITION A. Single Building All buildings or sections of buildings which are accessible through unprotected openings shall be considered as a single building. B. Separate Building 1. Buildings which are separated by space shall be considered separate buildings. 2. Buildings or sections of buildings which are separated by: a. A 6 inch reinforced concrete or an 8 inch masonry party wall; or b. A documented minimum two-hour non-combustible wall which has been laboratory tested for independent structural integrity under fire conditions; which pierces or rises to the underside of the roof and which pierces or extends to the inner side of the exterior wall shall be considered separate buildings. Accessibility between buildings with independent walls or through masonry, party walls as described shall be protected by at least a Class A Fire Door installed in a masonry wall section. PA FCH 15 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

20 MANUAL PAGES RULE 201 POLICY PERIOD The policy may be written for a period of one year and may be extended for successive policy periods by extension certificate based upon the premiums, forms and endorsements then in effect for the company. PA FCH 16 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

21 MANUAL PAGES RULE 202 CHANGES OR CANCELLATIONS A. It shall not be permissible to cancel any of the mandatory coverages in the policy unless the entire policy is cancelled. B. If insurance is increased, cancelled or reduced, the additional or return premium shall be computed on a pro rata basis, subject to the minimum premium requirement. PA FCH 17 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

22 MANUAL PAGES RULE 203 MANUAL PREMIUM REVISION A manual premium revision shall be made in accordance with the following procedures: A. The effective date of such revision shall be as announced. B. The revision shall apply to any policy or endorsement in the manner outlined in the announcement of the revision. C. Unless otherwise provided at the time of the announcement of the premium revision, the revision shall not affect 1. In force policy forms, endorsements or premiums, until the policy is renewed, or 2. In the case of a Deferred Premium Payment Plan, in force policy premiums, until the anniversary following the effective date of the revision. PA FCH 18 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

23 MANUAL PAGES RULE 204 MULTIPLE COMPANY INSURANCE This rule does not apply. PA FCH 19 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

24 MANUAL PAGES RULE 205 MINIMUM PREMIUM A. For prepaid policies a minimum annual premium shall be charged for each policy. B. When policies are written under a premium payment plan, no payment shall be less than the minimum premium for each annual period. C. The minimum premium may include all chargeable endorsements or coverages if written at inception of the policy. D. Refer to Rate Pages for the minimum premium. PA FCH 20 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

25 MANUAL PAGES RULE 206 TRANSFER OR ASSIGNMENT Subject to the consent of the company, all the rules of this Manual and any necessary adjustment of premium, a policy may be endorsed to effect: A. Transfer to another location within the same state; or B. Assignment from one insured to another in the event of transfer of title of the dwelling. PA FCH 21 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

26 MANUAL PAGES RULE 207 WAIVER OF PREMIUM A. When a policy is endorsed after the inception date, an amount of additional or return premium may be waived. B. Refer to Rate Pages for premium. PA FCH 22 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

27 MANUAL PAGES RULE 208 WHOLE DOLLAR PREMIUM RULE Each premium shown on the policy and endorsements shall be rounded to the nearest whole dollar. A premium of fifty cents ($.50) or more shall be rounded to the next higher whole dollar. In the event of cancellation by the company, the return premium may be carried to the next higher whole dollar. PA FCH 23 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

28 MANUAL PAGES RULE 209 RESTRICTION OF INDIVIDUAL POLICIES If a policy would not be issued because of unusual circumstances or exposures, the named insured may request a restriction of the policy provided no reduction in the premium is allowed. Such requests shall be referred to the company. PA FCH 24 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

29 MANUAL PAGES RULE 210 REFER TO COMPANY Whenever a risk is rated on a refer-to-company basis, Merchants is responsible for complying with regulatory or statutory rate filing requirements. PA FCH 25 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

30 MANUAL PAGES RULE 211 ADDITIONAL INTEREST A. In addition to the mortgagee(s) shown in the Declarations or elsewhere in the policy, other persons or organizations may have an insurable interest in the residence premises. When coverage is not provided to such persons or organizations under Additional Insured Endorsement HO or its equivalent, their interest in the residence premises may be acknowledged by naming them in the endorsement referenced in Paragraph D. B. Such persons or organizations are entitled to receive notification if the policy is canceled or nonrenewed by the insurer. C. No additional charge is made for use of this endorsement. D. Use Additional Interest Residence Premises Endorsement HO PA FCH 26 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

31 MANUAL PAGES RULE 301 BASE PREMIUM COMPUTATION The Base Premium is developed separately. A. All Forms Except HO and HO One And Two Family Dwelling a) Step 1 Base Class Premium (1) Refer to the Base Class Rate table in the Rate Pages to determine the Base Class Rate for each peril (2) Determine the Tier factor by peril in accordance with Rule 817 (3) Refer to the Rate Pages to obtain the Territory/Sub Territory factors. (4) Multiple the Base Class Rate by the Tier factor, then by the Territory/Sub Territory factors to obtain the Base Class Premium. Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) b) Step 2 Policy Form Adjusted Premium (1) Multiply the Base Class Premium obtained in Step 1 by the Policy Form factor located in the Rate Pages in the manual to determine each peril s Policy Form Adjusted Premium (2) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) c) Step 3 Protection Class and Construction Type Adjusted Premium (1) Refer to the Rate Pages in the manual to obtain the Protection Class and Construction Type factors for each peril (2) Multiply the Policy Form Adjusted Premium obtained in Step 2 by the Protection Class and Construction type factors to determine each peril s Protection Class and Construction Type Adjusted Premium (3) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) d) Step 4 Coverage A Adjusted Premium (1) Apply the appropriate Coverage A Amount factor (refer to Rate Pages in this manual) by peril to the Protection Class and Construction Type Adjusted Premium obtained in Step 3 to determine the Coverage A Adjusted Premium (2) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) e) Step 5 Rating Factors Adjusted Premium (1) Refer to the Rate Pages in the manual to obtain the appropriate factors by peril for each of the following: i. Number of Families Factor ii. Coverage A ACV or Coverage A Special Factor iii. Increased Limits of Ordinance or Law Coverage Factor iv. Renovation Factor v. Account Policy Factor vi. Construction Age Factor vii. Pool Factor viii. Solid Fuel Heating Source Factor ix. Number of Stories Factor x. Number of Bathrooms Factor xi. Oil Tank Factor PA FCH 27 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

32 MANUAL PAGES xii. Dog Factor xiii. Loss History Factor (2) Multiply the Coverage A Adjusted Premium obtained in Step 3 by each of the factors noted in item A.1.e.1.ixiii in the order noted, to determine the Rating Factors Adjusted Premium (3) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) f) Step 6 Miscellaneous Factors Adjusted Premium (1) Refer to the Rate Pages in the manual to obtain the appropriate factors by peril for each of the following, if applicable: i. Superior Construction Factor ii. Town or Row House Factor iii. Coverage C Replacement Cost Factor iv. Protective Devices Factor v. Deductibles Factor vi. Additional Amounts of Insurance Factor vii. Actual Cost Value Wind/Hail on Roof Factor viii. Coverage B Replacement Cost Value Factor (2) Multiply the Rating Factors Adjusted Premium obtained in Step 5 by each the factors noted in item A.1.f.1.iviii (if applicable), in the order noted, to determine each Miscellaneous Factors Adjusted Premium (3) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) g) Step 7 - Building Code Effectiveness Grading Schedule Premium (1) Determine the applicable BCEGS factor from the Rate Pages in this manual and multiply by the Coverage A Amount Factor, then multiply by the Base Class Premium obtained in Step 1. (2) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) (3) Subtract the BCEGS Credit Premium from the Miscellaneous Factors Adjusted Premium obtained in Step 6 to determine the BCEGS Adjusted Premium. PA FCH 28 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

33 MANUAL PAGES h) Step 8 Catastrophe Adjusted Premium (1) Determine the applicable Catastrophe factor from the Rate Pages in this manual and multiply the BCEGS Adjusted Premium obtained in Step 7 by the Catastrophe factor to determine the Catastrophe Premium (Note the Catastrophe Premium is not subject to commission.) (2) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) (3) Add the Catastrophe Premium to the BCEGS Adjusted Premium obtained in Step 7 to determine the Catastrophe Adjusted Premium i) Step 9 Miscellaneous Coverages/Scheduled Property Adjusted Premium (1) Add any appropriate charges for miscellaneous coverages/scheduled property to the Miscellaneous Factors Adjusted Premium (except for the wind/hail peril premium using the Catastrophe factor premium from Step 8) obtained in Step 6. (2) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) j) Step 10 Final Premium (1) Add the expense fee according to the expense fee rule noted in item D. below to the Miscellaneous Coverages/Scheduled Property Adjusted Premium obtained in Step 9 to determine the Final Premium B. Forms HO a) Step 1 Base Class Premium (1) Refer to the Base Class Rate table in the Rate Pages to determine the Base Class Rate for each peril (2) Determine the Tier factor by peril in accordance with Rule 817 (3) Refer to the Rate Pages to obtain the Territory/Sub Territory factors by peril (4) Multiple the Base Class Rate by the Tier factor and Territory/Sub Territory factors to obtain the Base Class Premium. Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) b) Step 2 Protection Class and Construction Type Adjusted Premium (1) Refer to the Rate Pages in the manual to obtain the Protection Class and Construction Type factors for each peril (2) Multiply the Base Class Premium obtained in Step 1 by the Protection Class and Construction type factors to determine each peril s Protection Class and Construction Type Adjusted Premium (3) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) c) Step 3 Coverage C Adjusted Premium (1) Apply the appropriate Coverage C Amount factor (refer to Rate Pages in this manual) by peril to the Protection Class and Construction Type Adjusted Premium obtained in Step 2 to determine the Coverage C Adjusted Premium (2) If the limit of liability is not shown in the tables, interpolate as illustrated in Paragraph E. of this rule. (3) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) d) Step 4 Rating Factors Adjusted Premium (1) Refer to the Rate Pages in the manual to obtain the appropriate factors by peril for each of the following: i.account Policy Factor ii.solid Fuel Heating Source Factor iii.dog Factor iv.loss History Factor PA FCH 29 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

34 MANUAL PAGES (2) Multiply the Rating Factors Adjusted Premium obtained in Step 4 by each of the factors noted in item A.1.e.1.i-iv. in the order noted, to determine the Rating Factors Adjusted Premium (3) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) e) Step 5 Miscellaneous Factors Adjusted Premium (1) Refer to the Rate Pages in the manual to obtain the appropriate factors by peril for each of the following, if applicable: i.superior Construction Factor ii.coverage C Replacement Cost Factor iii.protective Devices Factor iv.inflation Guard v.deductibles Factor (2) Multiply the Rating Factors Adjusted Premium obtained in Step 4 by each the factors noted in item A.1.f.1.iv. (if applicable), in the order noted, to determine each Miscellaneous Factors Adjusted Premium (3) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) f) Step 6 Miscellaneous Coverages/Scheduled Property Adjusted Premium (1) Add any appropriate charges for miscellaneous coverages/scheduled property to the Miscellaneous Factors Adjusted Premium obtained in Step 5. (2) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) g) Step 7 Final Premium (1) Add the expense fee according to the expense fee rule noted in item D. below to the Miscellaneous Coverages/Scheduled Property Adjusted Premium obtained in Step 6 to determine the Final Premium (2) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) PA FCH 30 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

35 MANUAL PAGES C. Form HO a) Step 1 Base Class Premium (1) Refer to the Base Class Rate table in the Rate Pages to determine the Base Class Rate for each peril (2) Determine the Tier factor by peril in accordance with Rule 817 (3) Refer to the Rate Pages to obtain the Territory/Sub Territory factors by peril (4) Multiple the Base Class Rate by the Tier factor and Territory/Sub Territory factors to obtain the Base Class Premium. Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) b) Step 2 Protection Class and Construction Type Adjusted Premium (1) Refer to the Rate Pages in the manual to obtain the Protection Class and Construction Type factors for each peril (2) Multiply the Base Class Premium obtained in Step 1 by the Protection Class and Construction type factors to determine each peril s Protection Class and Construction Type Adjusted Premium (3) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) c) Step 3 Coverage C Adjusted Premium (1) Apply the appropriate Coverage C Amount factor (refer to Rate Pages in this manual) by peril to the Protection Class and Construction Type Adjusted Premium obtained in Step 2 to determine the Coverage C Adjusted Premium (2) If the limit of liability is not shown in the tables, interpolate as illustrated in Paragraph E. of this rule. (3) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) d) Step 4 Rating Factors Adjusted Premium (1) Refer to the Rate Pages in the manual to obtain the appropriate factors by peril for each of the following: i. Account Policy Factor ii. Solid Fuel Heating Source Factor iii. Dog Factor iv. Loss History Factor (2) Multiply the Coverage C Adjusted Premium obtained in Step 3 by each of the factors noted in item A.1.e.1.iiv. in the order noted, to determine the Rating Factors Adjusted Premium (3) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) e) Step 5 Miscellaneous Factors Adjusted Premium (1) Refer to the Rate Pages in the manual to obtain the appropriate factors by peril for each of the following, if applicable: i. Superior Construction Factor ii. Coverage C Replacement Cost Factor iii. Protective Devices Factor iv. Inflation Guard v. Deductibles Factor vi. Actual Cost Value Wind/Hail on Roof Factor vii. Modified Other Insurance Factor PA FCH 31 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

36 MANUAL PAGES (2) Multiply the Rating Factors Adjusted Premium obtained in Step 4 by each the factors noted in item A.1.f.1.ivii. (if applicable), in the order noted, to determine each Miscellaneous Factors Adjusted Premium (3) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) f) Step 6 Miscellaneous Coverages/Scheduled Property Adjusted Premium (1) Add any appropriate charges for miscellaneous coverages/scheduled property to the Miscellaneous Factors Adjusted Premium obtained in Step 5. (2) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) g) Step 7 Final Premium (1) Add the expense fee according to the expense fee rule noted in item D. below to the Miscellaneous Coverages/Scheduled Property Adjusted Premium obtained in Step 6 to determine the Final Premium (2) Round to the nearest whole dollar ($0.50 or more rounded to the next highest whole dollar) D. Expense Fee Rule 1. Expense Fees are added separately to the premium. Please refer to the Rate Pages in this manual for the Expense Fee amount. 2. The Expense Fee is applied to all policy forms to obtain the final premium. 3. Expense fees are not subject to modification by the provisions of any rating rules (e.g. Tiering Factor, Territory Factor, Account Policy Discount Factor, etc.) E. Interpolation Example 1. When the desired limit of liability is less than the highest limit shown, interpolate the Coverage A Amount Factors using the nearest limit above and below the desired limit, for example: a. $203,000 desired limit; the nearest limits are $200,000 and $205,000. b. For $200,000 the Coverage A Amount Factor is 2.837; for $205,000 the Coverage A Amount Factor is Figure the difference between the two Coverage A Amount Factors and divide by 5. This provides a factor per $1, (divided by) 5 =.02 c. Multiply the factor per $1,000 times 3, and add 2.837; the Coverage A Amount Factor for $200, X = d. The result, 2.897, is the Coverage A Amount Factor for this example. 2. The factors shown in the above interpolation example are for illustration only and are not necessarily the factors shown in the Coverage A Amount Factor Table of this Manual. PA FCH 32 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

37 MANUAL PAGES RULE 302 LOSS SETTLEMENT OPTIONS A. Functional Replacement Cost Loss Settlement HO 00 02, HO and HO Only 1. Introduction The policy provides building loss settlement on a replacement cost basis if, at the time of loss, the amount of insurance on the damaged building represents at least 80% of the full replacement cost of the building immediately before the loss. 2. Coverage Description The policy may be endorsed to provide building loss settlement exclusively on a functional replacement cost basis if, at the time of loss, the amount of insurance on the damaged building is 80% or more of the functional replacement cost of the building immediately before the loss. Functional Replacement Cost means the amount which it would cost to repair or replace the damaged building with less costly common construction materials and methods which are functionally equivalent to obsolete, antique or custom construction materials and methods. 3. Premium Computation Develop the Base Premium in accordance with Rule 301 for the amount of insurance selected for this option 4. Endorsement Use Modified Functional Replacement Cost Loss Settlement Endorsement HO B. Actual Cash Value Loss Settlement HO 00 02, HO and HO Only 1. Introduction The policy provides building loss settlement on a replacement cost basis if, at the time of loss, the amount of insurance on the damaged building represents at least 80% of the full replacement cost of the building immediately before the loss. 2. Coverage Description The policy may be endorsed to provide building loss settlement exclusively on an actual cash value basis if, on the inception date of the policy, the Coverage A limit of liability selected by the insured is less than 80% of the full replacement cost of the dwelling. 3. Premium Computation The premium is computed by multiplying the Base Premium by the appropriate factor from the following table: Coverage A Limit of Liability Equals Less Than % of Replacement Value Factor 80%, but not less than 50% 1.05 Less than 50% 1.10 Table 302.B.3. Factors 4. Endorsement Use Actual Cash Value Loss Settlement Endorsement HO PA FCH 33 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

38 MANUAL PAGES C. Special Loss Settlement HO 00 02, HO and HO Only 1. Introduction The policy provides building loss settlement on a replacement cost basis if, at the time of loss, the amount of insurance on the damaged building represents at least 80% of the full replacement cost of the building immediately before the loss. 2. Coverage Description This percentage amount may be modified to 50%, 60% or 70% of replacement value without affecting the loss settlement provisions. If this option is selected, the Coverage A limit of liability representing 50%, 60% or 70% of replacement value is to be shown in the policy declarations. 3. Premium Computation To develop the Base Premium for the Coverage A limit of liability shown in the policy declarations: a. Multiply the Coverage A limit of liability by the appropriate factor from the following table and round to the nearest $1,000: % of Replacement Value Factor 50% % 1.33 Table 302.C.3.a. Factors 70% 1.14 b. Develop a Base Premium in accordance with Rule 301 for the amount of insurance computed in preceding Paragraph a. c. Multiply the premium determined in preceding Paragraph b. by the appropriate factor from the following table: Table 302.C.3.c. Factors % of Replacement Value Factor 50%.96 60%.97 70% Endorsement Use Special Loss Settlement Endorsement HO PA FCH 34 of 129 Effective Date: 06/18/12 NB 08/18/12 REN

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