FIREMAN S FUND PERSONAL INSURANCE FLORIDA HOMEOWNERS and COLLECTIONS COVERAGE NEW AND RENEWAL BUSINESS GUIDELINES PRESTIGE HOME PREMIER HO3, HO4, HO6

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1 FIREMAN S FUND PERSONAL INSURANCE HOMEOWNERS and COLLECTIONS COVERAGE NEW AND RENEWAL BUSINESS GUIDELINES PRESTIGE HOME PREMIER HO3, HO4, HO6 All features and coverages must be present to be eligible for each program. See ADDITIONAL CONSIDERATIONS for risks that must be referred before binding and risks that are generally considered unacceptable. PROGRAM: COMPANY: POLICY FORMS: Prestige Home Premier Preferred Rates American Automobile Insurance Company Prestige Home Premier HO3, HO4, HO6 Standard Rate Fireman s Fund Insurance Company 1. Homeowners, Condo & Tenant X X MINIMUM COVERAGES: 1. Insured to 100% of Replacement Cost X X PRIOR LOSSES IN LAST 3 YEARS: No Losses One Loss Subject to Pre-Approval PROTECTION CLASS: 1. PC PC 10 X Subject to Pre-Approval X Subject to Pre-Approval INSURANCE BUREAU SCORE*: 1. Program Requirement: 2. No Non-Weather Losses Within the Last 5 Years *If there is no score (insufficient history) or no hit (the inability to obtain a score when one exists) associated with the first named insured, the IBS requirement will be waived. 750 or higher Not Applicable 700 or higher Not Applicable ALARM REQUIREMENTS Dwelling Limit OR Personal Property Limit + Total Collections Limit Fire Alarm Central Station or Direct System Required If: Burglar Alarm Central Station or Direct System Required If: Protected Locations (PC 1-8) Fully Sprinklered Unsprinklered or Partial Sprinklers Primary $2 M+ $1 M+ $2 M+ Secondary / Seasonal $1 M+ $1M+ $2 M+ Unprotected Locations (PC 8A, 8B, 9, 10 or Suburban Rated Exposures) Primary / Secondary / Seasonal $750,000+ $750,000+ $2 M+ Note: Sprinkler system does not need to be centrally monitored Page 1 of 2 September 2008

2 FIREMAN S FUND PERSONAL INSURANCE HOMEOWNERS and COLLECTIONS COVERAGE ADDITIONAL CONSIDERATIONS Fireman s Fund reserves the right to exercise individual judgment in determining the acceptability of any applicant or insured. A. The following situations require the application be referred prior to binding coverage: (Please provide full details describing the situation) Structures less than 2,500 feet from the beach high water mark and less than 15 feet above the mean sea level. Structures located on an offshore island. Structures insured less than 100% of rebuilding value. Structures under construction or being remodeled. Structures built with unconventional construction, converted homes, or underground homes. Structures built using synthetic stucco, including EIFS (Exterior Insulating and Finishing System) and Dryvit. Secondary or seasonal residences where Fireman's Fund does not write the primary residence. Residences located outside of producer's geographic marketing area due to lack of familiarity with hazards (i.e. earthquake, wildfire, distance to coast, etc.) or unique state requirements. Risks involving individuals frequently in the public eye. This excludes public officials. Risks involving prolonged unoccupancy of premises or extensive travel. Risks with more than two mortgages. Risks with any business exposures. Risks with a breed of dog that is more inclined to be aggressive, including Pit Bulls (also known as American Pit Bull Terrier, American Staffordshire Terrier, Staffordshire Bull Terrier), Rottweilers, Dobermans, Wolf breeds, Chows, Akitas, German Shepherds, Mastiffs or any mix of the above. Collections Coverage with items loaned to museums, on exhibit, or frequently in transit. Structures, Contents coverage and total Collections Coverage not in compliance with Alarm Requirements on page one. Any Collections Coverage class except fine arts over $100,000 without central station or direct monitored fire and burglar alarms. B. In addition to failure to meet New Business Guidelines, the following situations will generally result in the declination of new business, cancellation or nonrenewal as permitted by law. Risks not insured to at least 90% of rebuilding value. Risks previously occupied undergoing significant renovation or which will have a prolonged period of unoccupancy. Structures that are vacant or for sale. Structures built on stilts, pilings, or a pier-and-post foundation. Structures with existing prior damage. Structures with a wood-burning stove as the primary heat source. Structures with a lack of maintenance or upkeep as verified by inspection. Material misrepresentation. Jewelry schedules with unset, damaged, or chipped stones. Risks requiring referral under A. above, if the situation is determined to be unacceptable. C. The following situations will not result in the cancellation or non-renewal as dictated by law: (Please provide full details describing the situation) Risks experiencing a loss due to the act of god or partial sinkhole loss. Page 2 of 2 September 2008

3 TERRITORY (NUMERICAL ORDER) HOMEOWNERS POLICY PROGRAM MANUAL TERRITORY PAGES 05 Monroe Remainder, Key West 30 Miami Beach, Dade - Coast 32 Miami (City) 34 Hialeah (City), Dade - Remainder 39 Jacksonville (City), Duval, Nassau, St. Johns Remainder 45 Ft Lauderdale (City), Hollywood (City) 46 St. Petersburg (City) 47 Tampa (City) 48 Hillsborough - Remainder 49 Lake, Orange, Osceola, Polk, Seminole, Sumter 58 Alachua, Baker, Bradford, Calhoun, Clay, Columbia, Desoto, Gadsden, Gilchrist, Glades, Hamilton, Hardee, Hendry, Highlands, Holmes, Jackson, Lafayette, Leon, Liberty, Madison, Marion, Okeechobee, Putnam, Suwannee, Union, Washington 60 Escambia - Remainder 61 Okaloosa, Santa Rosa - Remainder 67 Bay, Citrus, Dixie, Gulf, Hernando, Jefferson, Levy, Pasco, Taylor, Wakulla, Walton, 68 Pinellas - Remainder 69 Manatee, Sarasota Remainder 70 Charlotte, Lee Remainder 71 Collier - Remainder 72 Broward - Remainder 73 Palm Beach - Remainder 74 Martin - Remainder 75 Indian River, St. Lucie - Remainder 76 Brevard, Flagler, Volusia - Remainder 80 Escambia - Coast 81 Okaloosa, Santa Rosa - Coast 87 Bay, Citrus, Dixie, Franklin, Gulf, Hernando, Jefferson, Levy, Pasco, Taylor, Wakulla,Walton Coast 88 Pinellas - Coast 89 Manatee, Sarasota - Coast 90 Charlotte, Lee - Coast 91 Collier - Coast 92 Broward - Coast 93 Palm Beach - Coast 94 Martin - Coast 95 Indian River, St. Lucie - Coast 96 Brevard, Flagler, Volusia - Coast 98 Duval, Nassau, St. Johns - Coast Ed T-7 Includes copyrighted material of Insurance Services Office, with permission Copyright, Insurance Services Office, 1990

4 406. DEDUCTIBLES HOMEOWNERS POLICY PROGRAM MANUAL STATE RATE PAGE 1. Non-Hurricane Deductible Options Credits/Surcharge apply only to the NON-WIND BASE PREMIUM: Deductible: $500 $1,000 $2,500 $5,000 $10,000 $25,000 Surcharge BASE Credit - 10% 20% 35% 50% 55% Maximum - $500 $2,000 $4,000 $8,000 $10,000 Optional $250 deductible is available for Tenants and Condominiums (if Coverage A is $50,000 or less). Hurricane deductible may be greater than $250. The Premium Surcharge is 15%. 2. Wind Deductible Options a. Non-Hurricane Windstorm Deductible In the event of a wind or hail loss that is not related to a Hurricane, Hurricane Watch or Hurricane Warning, the policy deductible will be the Non-Hurricane deductible as listed on the declarations page. b. Hurricane Deductibles A separate hurricane deductible is required for all policies covering windstorm during a hurricane. The insured may select from available hurricane deductible options. If a mandatory minimum deductible applies, the insured also has the option of selecting a hurricane deductible that is higher that the required minimum deductible. With respect to the peril of hurricane, deductibles apply on an annual aggregate basis to all covered hurricane losses that occur during the calendar year in which the policy is issued or renewed. However, if such coverage is provided under more than one policy issued by one of the Fireman s Fund Insurance Companies for the residence premises shown in the declarations: (1) The hurricane deductible will be the highest amount stated in any one of the policies; and (2) Credit will be given for the amount of any hurricane deductible that is met under such policies for any subsequent hurricane loss that occurs in the same calendar year. The insured must report hurricane losses that are below the hurricane deductible to us so we may apply the amount of the loss to subsequent claims for hurricane losses that occur in the same calendar year. No other deductible in the policy applies to hurricane losses. If an insured has a hurricane loss and then purchases a lower hurricane deductible, the lower hurricane deductible will not apply to subsequent hurricane losses occurring in the same calendar year. The lower deductible will apply beginning January 1 of the following calendar year. Ed Copyright, Fireman's Fund Insurance Companies, 2003, Novato, CA Includes copyrighted material of Insurance Service Office, Inc., 2003 with its permission

5 HOMEOWNERS POLICY PROGRAM MANUAL STATE RATE PAGE Mandatory Annual Aggregate Hurricane Deductible The following is added to this rule: When the insured residence premises is located in a Coastal Territory listed below, a percentage deductible will apply for Windstorm During a Hurricane. A 2% deductible will apply to the total of direct loss for Coverages A, B and C. A $500 hurricane deductible is available for homes with a dwelling value, or for condominium or tenant policies a personal property value, of less than $250,000. In no event will the deductible applied to Windstorm during a Hurricane be less than $500. Territory Territory Description Territory Territory Description 5 Monroe Remainder 72 Broward - Remainder Key West 73 Palm Beach - Remainder 30 Miami Beach 74 Martin - Remainder Dade - Coast 75 Indian River/St. Lucie - Remainder 32 Miami 76 Brevard/Volusia - Remainder 34 Hialeah Flagler - Remainder Dade - Remainder 80 Escambia - Coast 39 Jacksonville 81 Okaloosa/Santa Rosa - Coast Nassau/St. Johns - Remainder 87 Franklin Duval - Remainder Bay/Gulf/Walton - Coast 45 Hollywood Wakulla - Coast Ft. Lauderdale Jefferson - Coast 46 St. Petersburg Taylor - Coast 47 Tampa Dixie/Levy - Coast 48 Hillsborough - Remainder Citrus/Hernando/Pasco - Coast 60 Escambia - Remainder 88 Pinellas - Coast 61 Okaloosa/Santa Rosa - Remainder 89 Manatee/Sarasota - Coast 67 Bay/Gulf/Walton - Remainder 90 Charlotte/Lee - Coast Wakulla - Remainder 91 Collier - Coast Jefferson - Remainder 92 Broward - Coast Taylor - Remainder 93 Palm Beach - Coast Dixie/Levy - Remainder 94 Martin - Coast Citrus/Hernando/Pasco - 95 Indian River/St. Lucie - Coast Remainder 68 Pinellas - Remainder 96 Brevard/Volusia - Coast 69 Manatee/Sarasota - Remainder Flagler - Coast 70 Charlotte/Lee - Remainder 98 Nassau/St. Johns - Coast 71 Collier - Remainder Duval - Coast Territories 49 and 58 For residence premises located Territory 49 and Territory 58, the insured may select from available hurricane deductible options. If the insured does not select a hurricane deductible, a 1% hurricane deductible will apply unless the risk qualifies for the $500 Hurricane Deductible listed under Hurricane Deductible Options. In no event will the deductible applied to Windstorm During a Hurricane be less than $500. Ed Copyright, Fireman's Fund Insurance Companies, 2003, Novato, CA Includes copyrighted material of Insurance Service Office, Inc., 2003 with its permission

6 HOMEOWNERS POLICY PROGRAM MANUAL STATE RATE PAGE HURRICANE DEDUCTIBLE OPTIONS Percentage Deductibles: Percentage deductibles of 1%, 2%, 5%, or 10% may apply for Wind or Hail losses if a Hurricane Watch or Warning is in effect. The deductible will apply to the total direct loss for Coverage A, B and C. Percentage deductibles are available ONLY as shown below. To compute deductible credits refer to Rule 401. Computation of Base Premium Adjustments and Maximum Credits in the State Exception Pages. Territories Do Not offer all options. Dollar Deductibles An optional $500 hurricane deductible is available for policies with a dwelling value of less than $250,000, or condominium or tenant policies with a personal property value of less than $250,000. HURRICANE DEDUCTIBLE OPTIONS AND FACTORS Building Hurricane Deductible Amount $500* 1% 2% 5%** 10%** Territory 49 and N/A All Other Territories 1.15 N/A Contents Hurricane Deductible Amount $500* 1% 2% 5%** 10%** Territory 49 and N/A All Other Territories 1.02 N/A * See Dollar Deductibles above for availability. ** Only available for homes when the resulting deductible is more than $500. Use the following endorsements: Endorsement FL - $500 Annual Hurricane Deductible Endorsement FL - 1% Annual Hurricane Deductible Endorsement FL - 2% Annual Hurricane Deductible Endorsement FL - 5% Annual Hurricane Deductible Endorsement FL - 10% Annual Hurricane Deductible Ed Copyright, Fireman's Fund Insurance Companies, 2003, Novato, CA Includes copyrighted material of Insurance Service Office, Inc., 2003 with its permission