AMERICAN TRADITIONS INS CO. SIGNATURE ADULT PARK PROGRAM (15 YEARS OLD & NEWER)

Transcription

1 INDEX TERRITORY LISTING- ALL PROGRAMS 2 SIGNATURE ADULT PARK PROGRAM (15 YEARS OLD & NEWER) PAGE UNDERWRITING GUIDELINES 3-5 RATES AND COVERAGES 5A-5D DEDUCTIBLES AND OPTIONAL COVERAGES. 6 SENIOR STANDARD HOMEOWNERS PROGRAMS (16 YEARS & OLDER) UNDERWRITING GUIDELINES. 7-9 RATES AND COVERAGES. 9A-9D DEDUCTIBLES AND OPTIONAL COVERAGES. 10 FLOATERS - SIGNATURE AND SENIOR STANDARD PROGRAMS ONLY 11 PARK/FAMILY PARK PROGRAM UNDERWRITING GUIDELINES RATES AND COVERAGES 14A-14D DEDUCTIBLES AND OPTIONAL COVERAGES 15 APPROVED SUBDIVISION PROGRAM UNDERWRITING GUIDELINES RATES AND COVERAGES. 18A-18D DEDUCTIBLES AND OPTIONAL COVERAGES.. 19 PRIVATE PROPERTY PROGRAM UNDERWRITING GUIDELINES RATES AND COVERAGES 23A-23D DEDUCTIBLES AND OPTIONAL COVERAGES. 24 ADDITIONAL RULES APPLICABLE TO ALL PROGRAMS RATING: ORDER OF CALCULATION/ RATING EXAMPLE. 29 American Traditions Ins Co Mobile Home Programs 1

2 TERRITORY GUIDE AMERICAN TRADITIONS INS CO. ALL PROGRAMS Territory 1 Territory 2 Territory 3 Territory 4 Territory 5 Territory 6 Territory 7 Territory 8 Alachua Charlotte Hillsborough Brevard Palm Beach Broward Dade Bay Baker Desoto Manatee Collier Monroe Calhoun Bradford Duval Pinellas Escambia Franklin Clay Flagler Sarasota Lee Gadsden Columbia Glades Okaloosa Gulf Gilchrist Hardee West of US 19 Santa Rosa Holmes Hamilton Hendry Pasco Jackson Highlands Indian River Liberty Lafayette Martin Wakulla Lake Nassau Walton Leon Okeechobee Washington Madison St. Johns Marion St. Lucie Orange Osceola West of US 19 Polk Citrus Putnam Dixie Seminole Hernando Sumter Jefferson Suwannee Levy Union Taylor East of US 19 Citrus Dixie Hernando Jefferson Levy Pasco Taylor Volusia (zips 32132, 32141, 32168, 32759, 32764, 32769) Volusia (except zips 32132, 32141, 32168, 32759, 32764, 32769) American Traditions Ins Co Mobile Home Programs 2

3 SIGNATURE PROGRAM UNDERWRITING GUIDELINES ELIGIBILITY REQUIREMENTS Mobile home must meet the following: Located in an approved Adult Park or in an Adult Section of a split park with 50% Adult spaces or separate section. Adult means parks or defined sections of parks where at least one resident is age fifty or older, and no children are allowed to reside. Units must be 15 years old or newer for new business. Minimum width of 12' with mobile home siding, excluding tip-outs or slide-outs and excluding Attachments. May not be vacant. Have skirting or fully enclosed foundation. Secured by anchored tie-downs in accordance with state, county, or city regulations. Insured for at least 100% of replacement cost like, kind and quality. Coverage A is from $20,000 to $100,000 for policies, not including Attachments. Coverage A is from $20,000 to $100,000 for policies in CPIC ELIGIBLE AREAS. Be well maintained and show pride of ownership. Have a handrail where there are 3 or more steps. Must be owner occupied. INELIGIBLE RISKS Mobile homes which meet one or more of the following: Within 1500 feet of tidal waters, except with Underwriting approval. Subject to any of the following exposures: 1. Office Occupancy or Business Pursuits 2. Mobile Homes with Existing Damage 3. Farmer Comprehensive Personal Liability 4. Building Ordinance or Law Coverage 5. Day Care activities unless commercial liability coverage for this is obtained. Homes that are subject to brush fires, cave-in, flooding, excessive wind/hail or landslides except with underwriter approval Homes with more than two lien holders, except with underwriter approval. Risks with vicious dogs or any mix thereof, or exotic animals or farm animals. ATIC utilizes the Animal Liability Exclusion Endorsement that excludes losses caused by domestic dogs and cats weighing over 30 pounds on all policies. ATIC has included a provision in its eligibility guidelines specifically prohibiting the writing of any risk where any vicious, dangerous or exotic animals are kept on the premises, including, but not limited to: dangerous breeds of dogs (examples below)/wild animals (i.e. animals not commonly recognized as domesticated); farm animals (including saddle animals kept for pleasure use); lions, tigers, dangerous reptiles, birds of prey, and other exotic animals; any animal whose bite or touch is poisonous or toxic; etc. It is ATIC s position that if these types of animals re present, the policy is not to be written under ANY circumstances. ATIC will only accept coverage for risks that have domesticated animals kept as pets (e.g. house cats, gentle breeds of dogs, dogs with no history of biting, aquarium fish, small birds, etc.) American Traditions Ins Co Mobile Home Programs 3

4 SIGNATURE PROGRAM UNDERWRITING GUIDELINES (cont.) In order to further clarify this position, ATIC deems the following breeds or types of dogs as per se dangerous, thereby rendering the risk ineligible to be written under any circumstances: Akita Chow Doberman Pinscher German Shepherd Pit Bull Presa Canario Rottweiler Staffordshire Terrier (or any of the large Terrier breeds that have descended from dogs bred for fighting) Wolf Hybrids Any mixed breed dog containing any of the above breeds, no matter what the percentage. Any dog weighing more than 100 pounds Any dog that has ever been trained as and/or used as a guard dog or attack dog Any dog that has ever been trained or used in military or police work Any dog belonging to a breed that was historically bred for fighting Any dog that has ever bitten anyone or has exhibited aggressive behavior towards people. This is not an all-encompassing list. ATIC reserves the right to amend this list at any time. It is expected that all ATIC representatives and agents will exercise sound judgment and common sense in dealing with situations not specifically described above. In the event of any uncertainty or questions, ATIC s Underwriting Department should be contacted for clarification or further discussion. SUBMIT FOR APPROVAL (DO NOT BIND) Applicant(s) with any losses except act of God within the last 5 years. Please provide the following information on each loss: type of loss, date of loss, cost of damages, details about loss. Applicant(s), which have been canceled, declined, or non-renewed due to specific risk deficiencies or unsatisfactory past loss history. A detailed explanation is required in order to review submitted application. Applicant(s) with any loss in excess of $5000. A detailed explanation is required. DISCOUNTS Discounts are available at inception or upon subsequent renewal policy date. UNINSURABLE ADDITIONS Awnings or other attachments made of cloth or canvas. Structures not of strong, durable material or not conforming to local building codes. Swimming pools, pool screen enclosures, greenhouses and satellite systems. American Traditions Ins Co Mobile Home Programs 4

5 SIGNATURE PROGRAM UNDERWRITING GUIDELINES cont.) HURRICANE - TROPICAL STORM Agents binding authority automatically terminates for new business and coverage increases when a "Hurricane or Tropical Storm Warning" has been issued by the National Weather Bureau based on the following rules: Hurricanes: Binding is restricted when the Hurricane is within the following boundaries: 72 W longitude, 15 N latitude, 90 W longitude, 32 N latitude Tropical Storms: Binding is only restricted in areas under a tropical storm warning or watch. The rest of the state remains open. Tropical Storms do not result in binding restrictions when they are within the latitude and longitude coordinates defined within the Hurricane binding restrictions stated above. The Restrictions stated above do not apply to: Home closings (new purchases), A copy of the closing statement is required with the application. Business bound prior to the restriction going into effect. CPIC ELIGIBLE AREAS The mobile home must be insured for Wind Coverage by the Citizens Property Insurance Corporation Association if located in a CPIC eligible area. CANCELLATION OF PREMIUM Insured may cancel at any time for any reason. We will refund any unearned premium on a pro rata basis. WHOLE DOLLAR PREMIUM RULE All premiums shown on the policy, endorsements, and cancellations are rounded to the nearer whole dollar. A premium of fifty cents ($.50) or more is rounded to next higher whole dollar. State coverage in even thousands i.e. $30,000 not $29,500. WAIVER OF PREMIUM When a policy is endorsed subsequent to the inception date, any additional or return premium of $6 or less may be waived. An Insured may submit a written request to obtain waived return premium on a canceled policy. INSURED DATE OF BIRTH AND SOCIAL SECURITY NUMBER MUST BE STATED ON ALL APPLICATIONS American Traditions Ins Co Mobile Home Programs 5

6 SIGNATURE PROGRAM OPTIONAL COVERAGES & DEDUCTIBLES OPTIONAL COVERAGES AND RATES ATTACHED STRUCTURES TERRITORY I $1.26/$100 TERRITORY II $1.74/$100 TERRITORY III $1.74/$100 TERRITORY IV $1.82/$100 TERRITORY V $2.48/$100 TERRITORY VI $3.40/$100 TERRITORY VII $2.96/$100 TERRITORY VIII $1.64/$100 UNATTACHED STRUCTURES $1.30/$100 INCREASE PERSONAL PROPERTY $0.33/$100 Not to exceed Cov. A INCREASE LIABILITY TO $100, $ INCREASE MED PAY TO $1, $ 2.00 INCREASE JEWELRY LIMIT TO $2, $ FLOATERS PAGE 11 GOLF CARTS ($5000 property, $50,000 liability, $500 med pay) $60.00 DISCOUNTS FIRE SPRINKLER BASE RATE x 5% FIRE EXTINGUISHER/SMOKE ALARM BASE RATE x 5% MEMBERSHIP IN AARP, AAA or FMHO BASE RATE x 5% SECURITY GUARDS OR SECURITY GATED COMMUNITY BASE RATE x 5% MOBILEHOMES WHICH MEET ANSI/ASCE 7-88 STANDARDS ADOPTED ON 7/13/ BASE RATE x 9% Maximum credit allowable is 15%. ANSI/ASCE after 7/13/94 credit not included in maximum. DEDUCTIBLES $1000 DEDUCTIBLE ON ALL OTHER PERILS : INCLUDED $ 500 All other perils except water ($1000 water): SURCHARGE. BASE RATE x 2% $ 500 All other perils: SURCHARGE.. BASE RATE x 5% HURRICANE DEDUCTIBLE: MANDATORY DEDUCTIBLE MAY BE REQUIRED IN CERTAIN COUNTIES Hurricane Deductible Credits/Surcharges 1.) $500 Deductible.. BASE RATE x 5% Surcharge 2.) 2% OF COVERAGE "A" HURRICANE DEDUCTIBLE Included If Less than $1,000 (Min. of $500). BASE RATE x 5% Surcharge 3.) 5% OF COVERAGE "A" HURRICANE DEDUCTIBLE BASE RATE x 7% Credit 4.) 10% OF COVERAGE "A" HURRICANE DEDUCTIBLE... BASE RATE x 12% Credit Maximum Credit Does Not Apply To Deductibles American Traditions Ins Co Mobile Home Programs 6

7 SENIOR STANDARD MOBILE HOME PROGRAM UNDERWRITING GUIDELINES ELIGIBILITY REQUIREMENTS Mobile home must meet the following: Located in an Adult Park or in an Adult Section of a split park with 50% Adult spaces or separate Adult Section with a resident manager. Adult means parks or defined sections of parks where at least one resident is age fifty or older, and no children are allowed to reside. Manufactured date of 16 years to 35 years at inception. Minimum width of 12 feet. May not be vacant. Have skirting or fully enclosed foundation. Secured by anchored tie-downs in accordance with state, county, or city regulations. Coverage A is from $15,000 to $85,000 for policies. Coverage A is from $15,000 to $100,000 for policies in CPIC ELIGIBLE AREAS. Be well maintained and show pride of ownership. Have a handrail where there are 3 or more steps. Be owner occupied. INELIGIBLE RISKS Mobile homes which meet one or more of the following: Within 1500 feet of tidal waters, except with Underwriting approval. Subject to any of the following exposures: 1. Office Occupancy or Business Pursuits 2. Farmer Comprehensive Personal Liability 3. Building Ordinance or Law Coverage 4. Day Care activities unless commercial liability coverage for this is obtained Homes that are subject to brush fires, cave-in, flooding, excessive wind/hail or landslides except with underwriter approval Homes with more than two lienholders except with underwriter approval. Risks with vicious dogs or any mix thereof, or exotic animals or farm animals. ATIC utilizes the Animal Liability Exclusion Endorsement that excludes losses caused by domestic dogs and cats weighing over 30 pounds on all policies. ATIC has included a provision in its eligibility guidelines specifically prohibiting the writing of any risk where any vicious, dangerous or exotic animals are kept on the premises, including, but not limited to: dangerous breeds of dogs (examples below)/wild animals (i.e. animals not commonly recognized as domesticated); farm animals (including saddle animals kept for pleasure use); lions, tigers, dangerous reptiles, birds of prey, and other exotic animals; any animal whose bite or touch is poisonous or toxic; etc. It is ATIC s position that if these types of animals re present, the policy is not to be written under ANY circumstances. ATIC will only accept coverage for risks that have domesticated animals kept as pets (e.g. house cats, gentle breeds of dogs, dogs with no history of biting, aquarium fish, small birds, etc.) American Traditions Ins Co Mobile Home Programs 7

8 SENIOR STANDARD MOBILE HOME PROGRAM UNDERWRITING GUIDELINES (cont.) In order to further clarify this position, ATIC deems the following breeds or types of dogs as per se dangerous, thereby rendering the risk ineligible to be written under any circumstances: Akita Chow Doberman Pinscher German Shepherd Pit Bull Presa Canario Rottweiler Staffordshire Terrier (or any of the large Terrier breeds that have descended from dogs bred for fighting) Wolf Hybrids Any mixed breed dog containing any of the above breeds, no matter what the percentage. Any dog weighing more than 100 pounds Any dog that has ever been trained as and/or used as a guard dog or attack dog Any dog that has ever been trained or used in military or police work Any dog belonging to a breed that was historically bred for fighting Any dog that has ever bitten anyone or has exhibited aggressive behavior towards people. This is not an all-encompassing list. ATIC reserves the right to amend this list at any time. It is expected that all ATIC representatives and agents will exercise sound judgment and common sense in dealing with situations not specifically described above. In the event of any uncertainty or questions, ATIC s Underwriting Department should be contacted for clarification or further discussion. SUBMIT FOR APPROVAL (DO NOT BIND) Applicant(s) with any losses except act of God within the last 5 years. Please provide the following information on each loss: type of loss, date of loss, cost of damages, details about loss. Applicant(s) which have been canceled, declined, or non-renewed due to specific risk deficiencies or unsatisfactory past loss history. A detailed explanation is required in order to review submitted application. American Traditions Ins Co Mobile Home Programs 8

9 SENIOR STANDARD MOBILE HOME PROGRAM UNDERWRITING GUIDELINES (cont.) UNINSURABLE Awnings or other attachments made of cloth or canvas. ADDITIONS Structures not of strong, durable material or not conforming to local building codes. Swimming pools, pool screen enclosures, greenhouses and satellite systems. HURRICANE - TROPICAL STORM Agents binding authority automatically terminates for new business and coverage increases when a "Hurricane or Tropical Storm Warning" has been issued by the National Weather Bureau based on the following rules: Hurricanes: Binding is restricted when the Hurricane is within the following boundaries: 72 W longitude, 15 N latitude, 90 W longitude, 32 N latitude Tropical Storms: Binding is only restricted in areas under a tropical storm warning or watch. The rest of the state remains open. Tropical Storms do not result in binding restrictions when they are within the latitude and longitude coordinates defined within the Hurricane binding restrictions stated above. The Restrictions stated above do not apply to: Home closings (new purchases), A copy of the closing statement is required with the application. Business bound prior to the restriction going into effect. CPIC ELIGIBLE AREAS The mobile home must be insured for Wind Coverage by the Citizens Property Insurance Corporation if located in a CPIC eligible area. CANCELLATION OF PREMIUM Insured may cancel at any time for any reason. We will refund any unearned premium on a pro rata basis. WHOLE DOLLAR PREMIUM RULE All premiums shown on the policy, endorsements, and cancellations are rounded to the nearer whole dollar. A premium of fifty cents ($.50) or more is rounded to next higher whole dollar. State coverage in even thousands i.e. $30,000 not $29,500. WAIVER OF PREMIUM When a policy is endorsed subsequent to the inception date, any additional or return premium of $6 or less may be waived. An Insured may submit written request to obtain waived return premium on a canceled policy. DISCOUNTS Discounts are available at inception or upon subsequent renewal policy date. INSURED DATE OF BIRTH AND SOCIAL SECURITY NUMBER MUST BE STATED ON ALL APPLICATIONS American Traditions Ins Co Mobile Home Programs 9

10 SENIOR STANDARD PROGRAM OPTIONAL COVERAGES & DEDUCTIBLES OPTIONAL COVERAGES AND RATES ATTACHED STRUCTURES TERRITORY I $1.20/$100 TERRITORY II $1.65/$100 TERRITORY III $1.65/$100 TERRITORY IV $1.73/$100 TERRITORY V $2.36/$100 TERRITORY VI $3.23/$100 TERRITORY VII $2.82/$100 TERRITORY VIII $1.56/$100 UNATTACHED STRUCTURES.. $ 1.24/$100 INCREASE PERSONAL PROPERTY. $ 0.32/$100 Not to exceed Cov. A REPLACEMENT COST PERSONAL EFFECTS $ Included INCREASE LIABILITY TO $100,000.. $ INCREASE MED PAY TO $1,000.. $ 2.00 INCREASE JEWELRY LIMIT TO $2,000 $ FLOATER... PAGE 11 GOLF CARTS ($5000 property, $50,000 liability, $500 med pay).. $60.00 DISCOUNTS FIRE SPRINKLER DISCOUNT BASE RATE x 5% FIRE EXTINGUISHER/SMOKE ALARM BASE RATE x 5% MEMBERSHIP IN AARP, AAA or FMHO.. BASE RATE x 5% SECURITY GUARDS OR SECURITY GATED COMMUNITY BASE RATE x 5% MOBILEHOMES WHICH MEET ANSI/ASCE 7-88 STANDARDS ADOPTED ON 7/13/94. BASE RATE x 9% Maximum Credit is 15%. ANSI/ASCE after 7/13/94 credit not included in maximums. DEDUCTIBLES $1000 DEDUCTIBLE ON ALL OTHER PERILS INCLUDED $ 500 All other perils except water ($1000 water): SURCHARGE BASE RATE x 2% $ 500 All other perils: SURCHARGE.. BASE RATE x 5% HURRICANE DEDUCTIBLE: MANDATORY DEDUCTIBLE MAY BE REQUIRED IN CERTAIN COUNTIES Hurricane Deductible Discounts 1.) $500 Deductible.. BASE RATE x 5% Surcharge 2.) 2% OF COVERAGE "A" HURRICANE DEDUCTIBLE Included If Less than $1,000 (Min. of $500). BASE RATE x 5% Surcharge 3.) 5% OF COVERAGE "A" HURRICANE DEDUCTIBLE BASE RATE x 7% Credit 4.) 10% OF COVERAGE "A" HURRICANE DEDUCTIBLE. BASE RATE x 12% Credit Maximum Credit Does Not Apply To Deductibles THE 10% DEDUCTIBLE OPTION IS NOT AVAILABLE WHEN LIENHOLDER IS SHOWN ON APPLICATION. Changes available at inception or renewal only. American Traditions Ins Co Mobile Home Programs 10

11 FLOATERS SIGNATURE ADULT & SENIOR STANDARD PROGRAMS FLOATERS $5,000 LIMIT PER ITEM, $20,000 LIMIT COMBINED TOTAL. CURRENT APPRAISAL REQUIRED ON ANY SINGLE ITEM VALUED AT $2,500 OR MORE. SUBMIT FOR APPROVAL OVER $10,000 RATE/$100 MINIMUM PREMIUM FUR $1.30 MUSICAL INSTRUMENTS: MOBILE (GUITARS, VIOLINS, HORNS).. $2.60 IMMOBILE (ORGANS, PIANOS, ETC.) $0.33 $30.00 FINE ARTS, CAMERA, ANTIQUES.. $2.60 GUNS $3.90 SILVERWARE. $0.80 JEWELRY: (ADULT PROGRAMS) $3.35 American Traditions Ins Co Mobile Home Programs 11

12 PARK/FAMILY PARK PROGRAMS UNDERWRITING GUIDELINES ELIGIBILITY REQUIREMENTS: Mobile home must meet the following: Must be 1994 and newer. Be insured's primary Florida residence. Must be occupied 3 months a year. ACV of mobile home not less than $15,000 at policy inception. Be secured by anchored tie-down in accordance with Florida, city and county regulations. Minimum width must be twelve (12) feet. Submit tie-down information with application. Mobile home must have skirting or otherwise fully enclosed foundation. Mobile home must have a handrail where there are 3 or more steps. Attachments must be described & listed on the application to be insured. Be well maintained and show pride of ownership. Premium is determined by value of the mobile home and attachments. PARK/FAMILY Communities that allow children, have more than 20 PROGRAM mobile homes, and have a resident manager. LOCATION Name of Mobile Home Park must be specified. MAXIMUM VALUE $15,000 - $75,000 PREMIUMS WAIVER OF PREMIUMS DISCOUNTS CANCELLATION OF PREMIUM All premiums shown on the policy, endorsements and cancellations are rounded to the nearer whole dollar. A premium of fifty cents ($.50) or more is rounded to next higher whole dollar. State coverage in even thousands, i.e. $30,000 not $29,500. When a policy is endorsed subsequent to the inception date, any additional or return premium of $6 or less may be waived. An Insured may submit a written request to obtain waived return premium on a canceled policy. Discounts are available at inception or upon subsequent renewal policy date. Insured may cancel at any time for any reason. We will refund any unearned premium on a pro rata basis. HURRICANE - TROPICAL STORM Agents binding authority automatically terminates for new business and coverage increases when a "Hurricane or Tropical Storm Warning" has been issued by the National Weather Bureau based on the following rules: Hurricanes: Binding is restricted when the Hurricane is within the following boundaries: 72 W longitude, 15 N latitude, 90 W longitude, 32 N latitude American Traditions Ins Co Mobile Home Programs 12

13 PARK/FAMILY PARK PROGRAMS UNDERWRITING GUIDELINES (CONT.) Tropical Storms: Binding is only restricted in areas under a tropical storm warning or watch. The rest of the state remains open. Tropical Storms do not result in binding restrictions when they are within the latitude and longitude coordinates defined within the Hurricane binding restrictions stated above. The Restrictions stated above do not apply to: Home closings (new purchases), A copy of the closing statement is required with the application. Business bound prior to the restriction going into effect. CPIC ELIGIBLE AREAS The mobile home must be insured for Wind Coverage by the Citizen Property Insurance Corporation if located in a CPIC eligible area. INELIGIBLE RISKS Mobile homes which meet one or more of the following: Within 1500 feet of tidal waters, except with Underwriting approval. Subject to any of the following exposures: 1. Office Occupancy or Business Pursuits 2. Farmer Comprehensive Personal Liability 3. Day Care activities unless commercial liability coverage for this is obtained Homes that are subject to brush fires, cave-in, flooding, excessive wind/hail or landslides except with underwriter approval Homes with more than two lien holders except with underwriter approval. Risks with vicious dogs or any mix thereof, or exotic animals or farm animals. ATIC utilizes the Animal Liability Exclusion Endorsement that excludes losses caused by domestic dogs and cats weighing over 30 pounds on all policies. ATIC has included a provision in its eligibility guidelines specifically prohibiting the writing of any risk where any vicious, dangerous or exotic animals are kept on the premises, including, but not limited to: dangerous breeds of dogs (examples below)/wild animals (i.e. animals not commonly recognized as domesticated); farm animals (including saddle animals kept for pleasure use); lions, tigers, dangerous reptiles, birds of prey, and other exotic animals; any animal whose bite or touch is poisonous or toxic; etc. It is ATIC s position that if these types of animals re present, the policy is not to be written under ANY circumstances. ATIC will only accept coverage for risks that have domesticated animals kept as pets (e.g. house cats, gentle breeds of dogs, dogs with no history of biting, aquarium fish, small birds, etc.) In order to further clarify this position, ATIC deems the following breeds or types of dogs as per se dangerous, thereby rendering the risk ineligible to be written under any circumstances: American Traditions Ins Co Mobile Home Programs 13

14 PARK/FAMILY PARK PROGRAMS UNDERWRITING GUIDELINES (cont.) Akita Chow Doberman Pinscher German Shepherd Pit Bull Presa Canario Rottweiler Staffordshire Terrier (or any of the large Terrier breeds that have descended from dogs bred for fighting) Wolf Hybrids Any mixed breed dog containing any of the above breeds, no matter what the percentage. Any dog weighing more than 100 pounds Any dog that has ever been trained as and/or used as a guard dog or attack dog Any dog that has ever been trained or used in military or police work Any dog belonging to a breed that was historically bred for fighting Any dog that has ever bitten anyone or has exhibited aggressive behavior towards people. This is not an all-encompassing list. ATIC reserves the right to amend this list at any time. It is expected that all ATIC representatives and agents will exercise sound judgment and common sense in dealing with situations not specifically described above. In the event of any uncertainty or questions, ATIC s Underwriting Department should be contacted for clarification or further discussion. SUBMIT FOR APPROVAL (DO NOT BIND) Applicant(s) with any losses except act of God within the last 5 years. Please provide the following information on each loss: type of loss, date of loss, cost of damages, details about loss. Applicant(s) which have been canceled, declined, or non-renewed due to specific risk deficiencies or unsatisfactory past loss history. A detailed explanation is required in order to review submitted application. UNINSURABLE ADDITIONS Structures not of strong, durable material or not conforming to local building codes. Swimming pools, pool screen enclosures, greenhouses and satellite systems. Awnings or other attachments made of cloth or canvas. INSURED DATE OF BIRTH AND SOCIAL SECURITY NUMBER MUST BE STATED ON ALL APPLICATIONS American Traditions Ins Co Mobile Home Programs 14

15 PARK/FAMILY PROGRAM OPTIONAL COVERAGES & DEDUCTIBLES OPTIONAL COVERAGES AND RATES ATTACHED STRUCTURES TERRITORY I $1.26/$100 TERRITORY II $1.74/$100 TERRITORY III $1.74/$100 TERRITORY IV $1.82/$100 TERRITORY V $2.48/$100 TERRITORY VI $3.40/$100 TERRITORY VII $2.96/$100 TERRITORY VIII $1.64/$100 UNATTACHED STRUCTURES $1.71/$100 INCREASE PERSONAL PROPERTY. $1.04/$100 Not to exceed Cov. A INCREASE LIABILITY TO $ 50,000 $ 8.00 INCREASE LIABILITY TO $100,000 $ INCREASE MED PAY TO $1,000.. $ 2.00 REPLACEMENT COST ON HOME. $ REPLACEMENT COST PERSONAL EFFECTS: (BASE PREMIUM X 10%) OR... $ MINIMUM RENTAL (UP TO 6 MONTHS) $ 0.42/$100 DISCOUNTS FIRE SPRINKLER DISCOUNT BASE RATE x 5% FIRE EXTINGUISHER/SMOKE ALARM.. BASE RATE x 5% RETIRED/OVER 50. BASE RATE x 5% MEMBERSHIP IN AARP, AAA or FMHO BASE RATE x 5% MOBILE HOMES WHICH MEET ANSI/ASCE 7-88 STANDARDS ADOPTED ON 7/13/94. BASE RATE x 9% Maximum credit allowable is 15%. ANSI/ASCE after 7/13/94 credit not included in maximum. DEDUCTIBLES $1000 DEDUCTIBLE ON ALL OTHER PERILS INCLUDED $ 500 All other perils except water ($1000 water): SURCHARGE BASE RATE x 2% $ 500 All other perils: SURCHARGE.. BASE RATE x 5% HURRICANE DEDUCTIBLE: MANDATORY DEDUCTIBLE REQUIRED IN CERTAIN COUNTIES Hurricane Deductible Credits 1.) $500 Deductible.. BASE RATE x 5% Surcharge 2.) 2% OF COVERAGE "A" HURRICANE DEDUCTIBLE Included If Less than $1,000 (Min. of $500) BASE RATE x 5% Surcharge 3.) 5% OF COVERAGE "A" HURRICANE DEDUCTIBLE BASE RATE x 7% Credit 4.) 10% OF COVERAGE "A" HURRICANE DEDUCTIBLE. BASE RATE x 12% Credit Maximum Credit Does Not Apply to Deductibles Changes available at inception or renewal only. American Traditions Ins Co Mobile Home Programs 15

16 APPROVED SUBDIVISION PROGRAM UNDERWRITING GUIDELINES ELIGIBILITY REQUIREMENTS: Mobile home must meet the following: Must be 1994 and newer. Be insured's primary Florida residence. Must be occupied 10 months a year. ACV of mobile home not less than $15,000 at policy inception. Be secured by anchored tie-down in accordance with Florida, city and county regulations. Minimum width must be twelve (12) feet. Mobile home must have skirting or otherwise fully enclosed foundation. Mobile home must have a handrail where there are 3 or more steps. Be well maintained and show pride of ownership. Attachments must be described & listed on the application to be insured in all programs. Must be Approved Subdivision. LOCATION SUBDIVISION (If subdivision not on our approved list, please call) Name of Subdivision must be specified on application A community zoned primarily for mobile homes. The size of the lots should be less than 1 acre, have 3 mobile homes within 300' and have at least 20 mobile Homes within subdivision. Any subdivision not meeting the preceding qualifications will be considered private property. MAXIMUM VALUE $15,000 - $75,000 PREMIUMS WAIVER OF PREMIUMS DISCOUNTS All premiums shown on the policy, endorsements and cancellations are rounded to the nearer whole dollar. A premium of fifty cents ($.50) or more is rounded to next higher whole dollar. State coverage in even thousands, i.e. $30,000 not $29,500. When a policy is endorsed subsequent to the inception date, any additional or return premium of $6 or less may be waived. An Insured may submit written request to obtain waived return premium on a canceled policy. Discounts are available at inception or upon subsequent renewal policy date. American Traditions Ins Co Mobile Home Programs 16

17 APPROVED SUBDIVISION PROGRAM UNDERWRITING GUIDELINES (cont d) HURRICANE - TROPICAL STORM Agents binding authority automatically terminates for new business and coverage increases when a "Hurricane or Tropical Storm Warning" has been issued by the National Weather Bureau based on the following rules: Hurricanes: Binding is restricted when the Hurricane is within the following boundaries: 72 W longitude, 15 N latitude, 90 W longitude, 32 N latitude Tropical Storms: Binding is only restricted in areas under a tropical storm warning or watch. The rest of the state remains open. Tropical Storms do not result in binding restrictions when they are within the latitude and longitude coordinates defined within the Hurricane binding restrictions stated above. The Restrictions stated above do not apply to: Home closings (new purchases), A copy of the closing statement is required with the application. Business bound prior to the restriction going into effect. CANCELLATION OF PREMIUM Insured may cancel at any time for any reason. We will refund any unearned premium on a pro rata basis. CPIC ELIGIBLE AREAS The mobile home must be insured for Wind Coverage by the Florida Windstorm Underwriting Association if located in a CPIC eligible area. INELIGIBLE RISKS Mobile homes which meet one or more of the following: Within 1500 feet of tidal waters, except with Underwriting approval. Subject to any of the following exposures: 1. Office Occupancy or Business Pursuits 2. Farmer Comprehensive Personal Liability 3. Day Care activities unless commercial liability coverage for this is obtained Homes that are subject to brush fires, cave-in, flooding, excessive wind/hail or landslides except with underwriter approval Homes with more than two lienholders except with underwriter approval. Risks with vicious dogs or any mix thereof, or exotic animals or farm animals. ATIC utilizes the Animal Liability Exclusion Endorsement that excludes losses caused by domestic dogs and cats weighing over 30 pounds on all policies. ATIC has included a provision in its eligibility guidelines specifically prohibiting the writing of any risk where any vicious, dangerous or exotic animals are kept on the premises, including, but not limited to: dangerous breeds of dogs (examples below)/wild animals (i.e. animals not commonly recognized as domesticated); farm animals (including saddle animals kept for pleasure use); lions, tigers, dangerous reptiles, birds of prey, and other exotic animals; any animal whose bite or touch is poisonous or toxic; etc. It is ATIC s position that if these types of animals re present, the policy is not to be written under ANY circumstances. ATIC will only accept coverage for risks that have domesticated animals kept as pets (e.g. house cats, gentle breeds of dogs, dogs with no history of biting, aquarium fish, small birds, etc.) American Traditions Ins Co Mobile Home Programs 17

18 APPROVED SUBDIVISION PROGRAM UNDERWRITING GUIDELINES (cont.) In order to further clarify this position, ATIC deems the following breeds or types of dogs as per se dangerous, thereby rendering the risk ineligible to be written under any circumstances: Akita Chow Doberman Pinscher German Shepherd Pit Bull Presa Canario Rottweiler Staffordshire Terrier (or any of the large Terrier breeds that have descended from dogs bred for fighting) Wolf Hybrids Any mixed breed dog containing any of the above breeds, no matter what the percentage. Any dog weighing more than 100 pounds Any dog that has ever been trained as and/or used as a guard dog or attack dog Any dog that has ever been trained or used in military or police work Any dog belonging to a breed that was historically bred for fighting Any dog that has ever bitten anyone or has exhibited aggressive behavior towards people. This is not an all-encompassing list. ATIC reserves the right to amend this list at any time. It is expected that all ATIC representatives and agents will exercise sound judgment and common sense in dealing with situations not specifically described above. In the event of any uncertainty or questions, ATIC s Underwriting Department should be contacted for clarification or further discussion. SUBMIT FOR APPROVAL (DO NOT BIND) Applicant(s) with any losses except act of God within the last 5 years. Please provide the following information on each loss: type of loss, date of loss, cost of damages, details about loss. Applicant(s) which have been canceled, declined, or non-renewed due to specific risk deficiencies or unsatisfactory past loss history. A detailed explanation is required in order to review submitted application. UNINSURABLE Awnings or other attachments made of cloth or canvas. ADDITIONS Structures not of strong, durable material or not conforming to local building codes. Swimming pools, pool screen enclosures, greenhouses and satellite systems. INSURED DATE OF BIRTH AND SOCIAL SECURITY NUMBER MUST BE STATED ON ALL APPLICATIONS American Traditions Ins Co Mobile Home Programs 18

19 APPROVED SUBDIVISION PROGRAM OPTIONAL COVERAGES & DEDUCTIBLES OPTIONAL COVERAGES AND RATES ATTACHED STRUCTURES TERRITORY I $1.26/$100 TERRITORY II $1.74/$100 TERRITORY III $1.74/$100 TERRITORY IV $1.82/$100 TERRITORY V $2.48/$100 TERRITORY VI $3.40/$100 TERRITORY VII $2.96/$100 TERRITORY VIII $1.64/$100 UNATTACHED STRUCTURES $3.43/$100 INCREASE PERSONAL PROPERTY $1.04/$100 Not to exceed Cov. A INCREASE LIABILITY TO $ 50,000. $12.00 INCREASE MED PAY TO $1,000 $ 2.00 REPLACEMENT COST ON HOME $13.50 REPLACEMENT COST PERSONAL EFFECTS: (BASE PREMIUM X 10%) OR.. $ MINIMUM MUST BE OWNER OCCUPIED AT LEAST 10 MONTHS OUT OF THE YEAR DISCOUNTS FIRE SPRINKLER.. BASE RATE x 5% FIRE EXTINGUISHER/SMOKE ALARM.... BASE RATE x 5% MEMBERSHIP IN AARP, AAA or FMHO BASE RATE x 5% SECURITY GUARDS OR SECURITY GATED COMMUNITY.. BASE RATE x 5% MOBILEHOMES WHICH MEET ANSI/ASCE 7-88 STANDARDS ADOPTED ON 7/13/94. BASE RATE x 9% RETIRED/OVER 50 BASE RATE x 5% Maximum credit allowable is 15%. ANSI/ASCE after 7/13/94 credit not included in maximum. DEDUCTIBLES $1000 DEDUCTIBLE ON ALL OTHER PERILS INCLUDED $ 500 All other perils except water ($1000 water): SURCHARGE BASE RATE x 2% $ 500 All other perils: SURCHARGE.. BASE RATE x 5% HURRICANE DEDUCTIBLE: MANDATORY DEDUCTIBLE MAY BE REQUIRED IN CERTAIN COUNTIES Hurricane Deductible Credits 1.) $500 Deductible.. BASE RATE x 5% Surcharge 2.) 2% OF COVERAGE "A" HURRICANE DEDUCTIBLE Included If Less than $1,000 (Min. of $500) BASE RATE x 5% Surcharge 3.) 5% OF COVERAGE "A" HURRICANE DEDUCTIBLE BASE RATE x 7% Credit 4.) 10% OF COVERAGE "A" HURRICANE DEDUCTIBLE. BASE RATE x 12% Credit Maximum Credit Does Not Apply to Deductibles Changes available at inception or renewal only American Traditions Ins Co Mobile Home Programs 19

20 PRIVATE PROPERTY UNDERWRITING GUIDELINES ELIGIBILITY REQUIREMENTS: Mobile home must meet the following: Be insured's primary Florida residence. Maximum age limit of mobile home is Must be occupied 10 months a year, be well maintained and show of ownership. ACV of mobile home not less than $15,000 at policy inception. Be secured by anchored tie-down in accordance with Florida, city and county regulations. Minimum width must be twelve (12) feet. Mobile home must have skirting or otherwise fully enclosed foundation. Mobile home must have a handrail where there are 3 or more steps. Attachments must be described & listed on the application to be insured. Mobile home must have two neighboring homes within 600 feet and five neighbors within ¼ mile. Personal Articles Floaters not available. No Trampolines. All final eligibility or ineligibility is determined by underwriting. LOCATION PRIVATE PROPERTY Risks on Private Property must specify location on application. The areas that are not in with mobile home parks or subdivisions. A private property questionnaire must be completed. Questionnaire is on the reverse side of our application and must be completed AND signed by the agent AND insured. MAXIMUM VALUE $ 15,000 - $75,000 PREMIUMS WAIVER OF PREMIUMS DISCOUNTS All premiums shown on the policy, endorsements and cancellations are rounded to the nearer whole dollar. A premium of fifty cents ($.50) or more is rounded to next higher whole dollar. State coverage in even thousands, i.e. $30,000 not $29,500. When a policy is endorsed subsequent to the inception date, any additional or return premium of $6 or less may be waived. An Insured may submit written request to obtain waived return premium on a canceled policy. Discounts are available at inception or upon subsequent renewal policy date. American Traditions Ins Co Mobile Home Programs 20

21 PRIVATE PROPERTY PROGRAMS UNDERWRITING GUIDELINES (CONT.) HURRICANE - TROPICAL STORM Agents binding authority automatically terminates for new business and coverage increases when a "Hurricane or Tropical Storm Warning" has been issued by the National Weather Bureau based on the following rules: Hurricanes: Binding is restricted when the Hurricane is within the following boundaries: 72 W longitude, 15 N latitude, 90 W longitude, 32 N latitude Tropical Storms: Binding is only restricted in areas under a tropical storm warning or watch. The rest of the state remains open. Tropical Storms do not result in binding restrictions when they are within the latitude and longitude coordinates defined within the Hurricane binding restrictions stated above. The Restrictions stated above do not apply to: Home closings (new purchases), A copy of the closing statement is required with the application. Business with effective dates at least 10 days in the future. Business bound prior to the restriction going into effect. CANCELLATION OF PREMIUM CPIC ELIGIBLE AREAS Insured may cancel at any time for any reason. We will refund any unearned premium on a pro rata basis. The mobile home must be insured for Wind Coverage by the Florida Windstorm Underwriting Association if located in a CPIC eligible area. INELIGIBLE RISKS Beach, island or other location close to ocean, bay or tidal waters. Any very low land exposed to flooding or high waters. Any location posing extraordinary high risk conditions of any kind. Homes in ill repair or showing lack of maintenance. Mobile homes on Commercial Property. Garages/large unattached structures (Only with underwriting approval). Swimming pools (Only with underwriting approval, No Physical Damage) Homes that are subject to brush fires, cave-in, flooding, excessive wind/hail or landslides except with underwriter approval Homes with more than two lienholders. Areas prone to sinkhole activity. Farm Animals on premises. Risks with vicious dogs or any mix thereof, or exotic animals or farm animals. ATIC utilizes the Animal Liability Exclusion Endorsement that excludes losses caused by domestic dogs and cats weighing over 30 pounds on all policies. American Traditions Ins Co Mobile Home Programs 21

22 PRIVATE PROPERTY PROGRAMS UNDERWRITING GUIDELINES (cont.) ATIC has included a provision in its eligibility guidelines specifically prohibiting the writing of any risk where any vicious, dangerous or exotic animals are kept on the premises, including, but not limited to: dangerous breeds of dogs (examples below)/wild animals (i.e. animals not commonly recognized as domesticated); farm animals (including saddle animals kept for pleasure use); lions, tigers, dangerous reptiles, birds of prey, and other exotic animals; any animal whose bite or touch is poisonous or toxic; etc. It is ATIC s position that if these types of animals re present, the policy is not to be written under ANY circumstances. ATIC will only accept coverage for risks that have domesticated animals kept as pets (e.g. house cats, gentle breeds of dogs, dogs with no history of biting, aquarium fish, small birds, etc.) In order to further clarify this position, ATIC deems the following breeds or types of dogs as per se dangerous, thereby rendering the risk ineligible to be written under any circumstances: Akita Chow Doberman Pinscher German Shepherd Pit Bull Presa Canario Rottweiler Staffordshire Terrier (or any of the large Terrier breeds that have descended from dogs bred for fighting) Wolf Hybrids Any mixed breed dog containing any of the above breeds, no matter what the percentage. Any dog weighing more than 100 pounds Any dog that has ever been trained as and/or used as a guard dog or attack dog Any dog that has ever been trained or used in military or police work Any dog belonging to a breed that was historically bred for fighting Any dog that has ever bitten anyone or has exhibited aggressive behavior towards people. This is not an all-encompassing list. ATIC reserves the right to amend this list at any time. It is expected that all ATIC representatives and agents will exercise sound judgment and common sense in dealing with situations not specifically described above. In the event of any uncertainty or questions, ATIC s Underwriting Department should be contacted for clarification or further discussion. American Traditions Ins Co Mobile Home Programs 22

23 PRIVATE PROPERTY PROGRAMS GUIDELINES (CONT.) SUBMIT FOR APPROVAL (DO NOT BIND) Applicant(s) with any losses except act of God within the last 5 years. Please provide the following information on each loss: type of loss, date of loss, cost of damages, details about loss. Applicant(s) which have been canceled, declined, or non-renewed due to specific risk deficiencies or unsatisfactory past loss history. A detailed explanation is required in order to review submitted application. ANIMAL LIABILITY EXCLUSION ENDORSEMENT APPLIES FOR ANY DOGS 30 POUNDS AND OVER. UNINSURABLE ADDITIONS Awnings or other attachments made of cloth or canvas Structures not of strong, durable material or not conforming to local building codes. Pool screen enclosures, greenhouses and satellite systems. INSURED DATE OF BIRTH AND SOCIAL SECURITY NUMBER MUST BE STATED ON ALL APPLICATIONS American Traditions Ins Co Mobile Home Programs 23

24 PRIVATE PROPERTY PROGRAM OPTIONAL COVERAGES AND DEDUCTIBLES OPTIONAL COVERAGES AND RATES ATTACHED STRUCTURES TERRITORY I $1.26/$100 TERRITORY II $1.74/$100 TERRITORY III $1.74/$100 TERRITORY IV $1.82/$100 TERRITORY V $2.48/$100 TERRITORY VI $3.40/$100 TERRITORY VII $2.96/$100 TERRITORY VIII $1.64/$100 UNATTACHED STRUCTURES $3.43/$100 INCREASE PERSONAL PROPERTY $1.04/$100 Not to exceed Cov. A INCREASE LIABILITY TO $ 50,000. $ INCREASE MED PAY TO $1,000 $ 2.00 REPLACEMENT COST ON HOME $ REPLACEMENT COST PERSONAL EFFECTS: (BASE PREMIUM X 10%) OR $ MINIMUM SEE PRIVATE PROPERTY UNDERWRITING DISCOUNTS FIRE SPRINKLER BASE RATE x 5% FIRE EXTINGUISHER/SMOKE ALARM. BASE RATE x 5% MEMBERSHIP IN AARP, AAA or FMHO.. BASE RATE x 5% MOBILE HOMES WHICH MEET ANSI/ASCE 7-88 STANDARDS ADOPTED ON 7/13/94. BASE RATE x 9% RETIRED/OVER 50 BASE RATE x 5% Maximum Discount is 15%. ANSI/ASCE after 7/13/94 discount not included in maximums. DEDUCTIBLES $1000 DEDUCTIBLE ON ALL OTHER PERILS INCLUDED $ 500 All other perils except water ($1000 water): SURCHARGE BASE RATE x 2% $ 500 All other perils: SURCHARGE.. BASE RATE x 5% HURRICANE DEDUCTIBLE: MANDATORY DEDUCTIBLE MAY BE REQUIRED IN CERTAIN COUNTIES Hurricane Deductible Credits 1.) $500 Deductible.. BASE RATE x 5% Surcharge 2.) 2% OF COVERAGE "A" HURRICANE DEDUCTIBLE Included If Less than $1,000 (Min. of $500) BASE RATE x 5% Surcharge 3.) 5% OF COVERAGE "A" HURRICANE DEDUCTIBLE BASE RATE x 7% Credit 4.) 10% OF COVERAGE "A" HURRICANE DEDUCTIBLE. BASE RATE x 12% Credit Maximum Credit Does Not Apply to Deductibles Changes available at inception or renewal only. American Traditions Ins Co Mobile Home Programs 24

25 ADDITIONAL RULES I. FOR ALL PROGRAMS A. Add MGA fee of $25 on all new policies and at each anniversary date. Cancel/rewrite receives policy fee as well. MGA fee is Fully earned & Non - Commissionable. B. No more than two non-act of God claims in the 36 months preceding the inception date. C. Catastrophe Charge (Non Commissionable) : Add catastrophe charge to all policies with wind coverage as shown: Charge per $1,000 Coverage A Senior County Standard All Other Group Program Programs 1 $ 8.81 $ County Group County Group County Group Alachua 3 Hendry 10 Osceola 4 Baker 3 Hernando 6 Palm Beach 11 Bay 1 Highlands 8 Pasco 6 Bradford 3 Hillsborough 6 Pinellas 7 Brevard 10 Holmes 2 Polk 4 Broward 11 Indian River 10 Putnam 3 Calhoun 2 Jackson 3 Santa Rosa 1 Charlotte 9 Jefferson 3 Sarasota 9 Citrus 4 Lafayette 3 Seminole 4 Clay 3 Lake 4 St. Johns 5 Collier 11 Lee 9 St. Lucie 11 Columbia 3 Leon 3 Sumter 4 De Soto 8 Levy 2 Suwannee 3 Dixie 2 Liberty 2 Taylor 2 Duval 3 Madison 3 Union 3 Escambia 1 Manatee 7 Volusia 5 Flagler 5 Marion 4 Wakulla 2 Franklin 1 Martin 11 Walton 1 Gadsden 3 Miami-Dade 12 Washington 2 Gilchrist 2 Monroe 12 Glades 10 Nassau 3 Gulf 1 Okaloosa 1 Hamilton 3 Okeechobee 10 Hardee 8 Orange 4 American Traditions Ins Co Mobile Home Programs 25

26 ADDITIONAL RULES D. Limited Fungi, Wet or Dry Rot, or Bacteria Coverage 1. Section I. Property a) Property Coverage Description and Application of Limits of Liability 1) Basic Limit The policy provides up to $10,000 (subject to a $20,000 policy aggregate) of coverage to pay for loss to covered real or personal property, owned by an insured, that is damaged by fungi, wet or dry rot, or bacteria on the "residence premises" as described in Limited Fungi, Wet or Dry Rot, Or Bacteria Coverage Endorsement NP This basic limit will not exceed the policy limit shown on the declarations page. 2) Increased Limits The basic limit may be increased to $25,000 or $50,000 on a per loss basis. These limits must be offered for all new policies and at first renewal for existing policies. With respect to either increased limit option, $50,000 is the policy aggregate. The limit selected should be entered on Limited Fungi, Wet or Dry Rot, or Bacteria Coverage For Section I. Property Coverages Endorsement NP The increased limit will not exceed the policy limit shown on the declarations page. Increased Limits are only available when the policy limits for Coverage A and Coverage C are equal to or greater than the available Increased Limits of coverage. Example: If Coverage A = $35,000 and Coverage C = $35,000 you may only purchase an Increased Limit of $25,000 Coverage. If Coverage A = $50,000 and Coverage C = $50,000 you may purchase either $25,000 or $50,000 Limited Fungi, Wet or Dry Rot, Or Bacteria Coverage b) Premium Computation 1) Basic Limits - There is no premium adjustment. 2) Increased Limits Option 1 Section I Limits: $ 25,000 Each Covered Loss $ 50,000 Policy Aggregate... $60.00 Option 2 Section I Limits: $ 50,000 Each Covered Loss $ 50,000 Policy Aggregate... $90.00 American Traditions Ins Co Mobile Home Programs 26

27 ADDITIONAL RULES 1. Section II. Liability a) Liability Coverage Description and Application of Limits of Liability 1) Limit Limited Fungi, Wet or Dry Rot, or Bacteria Section II Liability Coverage endorsement (NP ) is attached to the policy, up to $50,000 of coverage is provided to pay for damages because of bodily injury or property damage involving the inhalation of, ingestion of, contact with, exposure to, existence of, or presence of any fungi, wet or dry rot, or bacteria. 2) Increased Limits Not Available b) Premium Computation There is no premium adjustment. II. Payment Fee Schedule: 1 Pay Plan: Full payment at inception. 2 Pay Plan: 50%/50%, plus a $3service charge with each installment. 3 Pay Plan: 40%/30%/30%, plus a $3service charge with each installment. 4 Pay Plan: 25%/25%/25%/25%, plus a $3service charge with each installment. The minimum premium (excluding Emergency Management and MGA fees) eligible for installments is $300. The $3 fee applies to ALL payments and play plans except the 1 Pay Plan. The Following Methods of Payment are Acceptable: 1 Pay Plan: Full payment of the total annual premium plus all policy fees at the inception of the policy. 2 Pay Plan: 50% of the total premium, plus fees, at the inception of the policy with the remaining 50% of the premium billed at 55 days after the inception of the policy. A $3 service charge is applicable to both installments. 3 Pay Plan: 40% of the total premium, plus fees, at the inception of the policy with the remaining 60% of the premium billed in two equal installments 40 and 130 days after the inception of the policy. A $3 service charge is applicable to all installments. 4 Pay Plan: 25% of the total premium, plus fees, at the inception of the policy with the remaining 75% of the premium billed in three equal installments 40, 130, and 220 days after the inception of the policy. A $3 service charge is applicable to all installments. III. Add $2 Emergency Preparedness Fund fee (Fully Earned, Non - Commissionable). IV. Florida Hurricane Catastrophe Fund (FHCF) Assessment of 1% Effective January 1, 2007 (Non Commissionable) V. Minimum Written Premium of $100. American Traditions Ins Co Mobile Home Programs 27