Link to HO-3/HO-5 Homeowner Comparison Policy Features Basic Coverage Limits Description of Coverage

Transcription

1 WASHINGTON Homeowner Product Guide Mutual of Enumclaw Insurance Company What s New Effective Date Updates How To Reach Us Phone / FAX / Home Office Agency Services Claims Customer Service (Billing) Marketing Materials Policy Services Supplies Underwriting Website Product Descriptions Link to HO-3/HO-5 Homeowner Comparison Policy Features Basic Coverage Limits Description of Coverage Program Guidelines Eligibility Photo Requirements General Rules Cancellation or Reductions in Limits of Liability or Coverages Construction Definitions Mandatory Coverages Manual Premium Revision Multiple Company Insurance Other Insurance Payment Policy Changes Policy Period Premium Adjustments Premium Rounding Rule Property Renewal Increases Protection Information Renewal Plan Seasonal Dwelling Definition Secondary Residences Single Building Definition Transfer or Assignment Forms and Endorsements Descriptions Coverages Deductibles Coverage E Personal Liability Coverage F Medical Payments Fire Department Service Charge Loss of Use Other Exposures Other Insured Location Occupied by Insured Personal Property Reduction in Limit Residence Employees Secondary Residence Premises Discounts Burglary Protection Discount Claims Free Discount Fire Protection Discount Loyalty Discount Mobilehome Park Newer Home Discount Package Policy Discount Additional Rating Elements HO-3, MH-3 and HO-5 Age of Insured Heating Type Individual Premium Modifier Number of Additional Interests Number of Families Number of Lapses Number of Stories Personal Status Roof Age Roof Type Swimming Pool Total Living Area Woodstove Forms and Endorsements List 1215 Minimum Premium

2 What s New Effective Date December 10, 2015 Updates Rule changes and editorial corrections Prior Updates Replaced Schedule Personal Property endorsement HO-61 with HO M061 in order to add Replacement Cost loss settlement option. Added Equipment Breakdown Enhancement endorsement HO M180. Added Scheduled Bicycle endorsement HO M602 Added Service Line Enhancement endorsement HO M108. Changed specific company references (e.g., Mutual of Enumclaw Insurance Company or Enumclaw Property and Casualty Insurance Company) to generic references (e.g., we, us ). Adding notation to liability forms that they are not available on secondary or seasonal occupancy policies. Mutual of Enumclaw Insurance Company 2

3 How To Reach Us General Contacts Home Office... (800) Agency Services (Help Desk)... Ext Claims... Ext To file a Claim --- Claim Response Center Or online at MutualofEnumclaw.com Customer Service... Ext Billing Questions... Ext or direct (800) To make Payments....Ext or direct (888) Payment Address Wells Street Enumclaw, WA ECRME@MutualofEnumclaw.com Marketing Materials... Ext TZehnder@MutualofEnumclaw.com Personal Lines Underwriting (click for list of staff) FAX Number... (866) Policy Services (click for list of staff) FAX Number... (866) Supplies... Ext SupplyRequest@MutualofEnumclaw.com Website MutualofEnumclaw.com Mutual of Enumclaw Insurance Company 3

4 Product Descriptions Link to HO-3/HO-5 Homeowner Comparison - Washington This quick reference highlights the coverage differences between the Special and Enhanced coverage forms. Please refer to the policy form for complete details. Policy Features Homeowners policies offer protection for property and liability losses, with optional endorsements to tailor the policy to the needs of the customer. 1. Special Form (HO 3046) This policy includes: Special form coverage for the dwelling and other structures on a replacement cost basis. Named perils coverage for personal property anywhere in the world. Personal liability coverage, including personal injury and owned snowmobiles at no extra charge. Medical Payments to Others without a per occurrence aggregate limit. 2. Mobilehomeowners Special Form (MH 3046) In addition to the features of the Special Form policy mentioned above, this policy includes: Named perils coverage for personal property increased to 50% of the value of the mobilehome at no extra charge. 3. Contents Broad Form (HO 4046) This policy, for the tenant homeowner, includes: Named perils coverage for personal property anywhere in the world. Building Additions and Alterations coverage for improvements made by a tenant to his living area. Personal liability coverage, including personal injury and owned snowmobiles at no extra charge. Medical Payments to Others without a per occurrence aggregate limit. 4. Enhanced Form (HO 5046) This policy includes: Special form coverage for the dwelling and other structures. Open Perils coverage for personal property anywhere in the world on a replacement cost basis. Personal liability coverage, including personal injury and owned snowmobiles at no extra charge. Medical Payments to Others without a per occurrence aggregate limit. Choice of blanket protection or Extended Replacement Cost for the dwelling after a loss. Extended Replacement Cost coverage provides an additional 50% of Coverage A or Coverage B in the event of a covered loss. Ordinance or Law Coverage at a limit of 25% of Coverage A. Limited motor vehicle coverage for golf carts while used on a golf course or roadway designed for use by a golf cart. 5. Unit-Owners Form (HO 6046) This policy, for the condominium owner, includes: $1,000 named perils coverage for additions and alterations to the condominium unit or structures owned on the residence premises. Named perils coverage for personal property anywhere in the world. Personal liability coverage, including personal injury and owned snowmobiles at no extra charge. Medical Payments to Others without a per occurrence aggregate limit. Mutual of Enumclaw Insurance Company 4

5 Product Descriptions Basic Coverage Limits The minimum Limits of Liability required under the Homeowners Policy are as follows: Section I - Property Damage Coverage HO-3, MH-3 HO-5 HO-4 or HO-6 A Dwelling Refer to Refer to $1,000 (HO-6) Minimum Limit Eligibility. Eligibility. B Other 10% of A 10% of A -- Structures C Personal 50% of A 70% of A Refer to Eligibility. Property D Loss of Use 20% of A 30% of A 20% of C HO4 40% of C HO6 Section II-Liability All Forms Coverage E-Personal Liability $100,000 Each Occurrence Coverage F-Medical Payments to Others $1,000 Each Person 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. FORMS HO-3, MH-3 and HO-5 - Under Coverage B of Section I, an additional amount of insurance may be written on a specific structure. d. FORM HO-3, MH-3 - 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 on the dwelling. Reduced Coverage C is not permitted if HO-42 Permitted Incidental Occupancies (Residence Premises) or HO M290 Personal Property Replacement Cost is present. e. FORM HO-6 - The limit of liability for Coverage A of Section I may be increased. Description of Coverage a. Section I Coverages-Property Damage The following is a general description of the coverages provided by the individual Homeowner policy forms. The policy should be consulted for exact contract conditions. Fire or Lightning Windstorm or Hail, Explosion, Riot or civil commotion, Aircraft, Vehicles or Smoke Vandalism or malicious mischief Theft Breakage of glass or safety glazing material 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) HO-3 MH-3 Yes Cov. C Yes Cov. C Yes Cov. C Yes Cov. C Yes Cov. C Yes Cov. C Yes Cov. C Yes Cov. A, B & D HO-4 & HO-6 Yes Yes Yes Yes Yes Yes Yes No HO-5 Yes Yes Yes Yes Yes Yes Yes Yes Mutual of Enumclaw Insurance Company 5

6 Product Descriptions b. Section II Coverages Liability All Forms (1) Coverage E - Personal Liability-Covers payment on behalf of any insured of 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. Mutual of Enumclaw Insurance Company 6

7 Program Guidelines These guidelines and rules are designed to set general parameters for underwriting acceptability. Any risk falling outside these binding authority limits may be submitted for consideration on a non-bound basis. Other single factors or combinations of factors may make a risk unacceptable. Authority for final approval of any individual risk rests with your underwriter. Eligibility The Homeowners Program is designed to meet the needs of a broad range of insureds. The following general guidelines apply to all policy forms. Do not bind: any risk without prior continuous Homeowners insurance. This rule does not apply to first time homeowners. any risk with more than one loss. structures insured under Coverages A and B which are not insured to 100% of the cost to replace the structure. any risk with a solid fuel heating appliance as a primary heat source. The primary heating system must be conventional and thermostatically controlled. any risk with a solid fuel appliance unless it is certified by Underwriters Laboratories or the International Conference of Building Officials. risks with aluminum or knob and tube wiring. coverage on a structure without a continuous, concrete foundation, e.g. with post and pier-block foundation. structures of unique architectural design. risks located in Protection Classes 8 through 10 without 100 feet of clear defensible space. risks located in a brush or forested area with a shake roof. risks in protection class 9 or 10 with a shake roof. dwellings or mobilehomes with a total living area less than 400 sq ft. a split the line risk (where coverage on one risk is split between us and another carrier). a risk with an unfenced trampoline on the premises; a 5 fence with a self-locking gate is required. a risk with an unfenced swimming pool (larger than 6 ft in diameter and 3 ft deep) on the premises; a 5 fence with a self-locking gate is required. risks with any business occupancy unless eligible for insurance as a Permitted Incidental Occupancy. risks with the following breeds of dogs: Doberman, Rottweiler, Presa Canario, Chow Chow,Akita or Pit Bull, and/or any other vicious dog on the premises. risks with more than one personal saddle horse per member of the household, not to exceed (5) horses total. a risk when the applicant has no verifiable source of income. a risk when the applicant is a target professional athlete, actor/actress, T.V. or radio personality, newspaper editor, broadcaster, etc. Target risks have high visibility and may be in positions where the risk of a claim under personal injury is high, or may be presumed to be wealthy and able to pay a large judgment. coverage for insureds whose property is encumbered with three or more mortgages, liens or contracts of sale. coverage for recreational vehicles unless the operators are eligible for preferred auto insurance. scheduled articles coverage for a single item exceeding $30,000, or a total schedule exceeding $75,000. coverage on a secondary dwelling without the primary dwelling insured by us. Mutual of Enumclaw Insurance Company 7

8 Program Guidelines Special Form (HO 3046) A Special Form policy may be issued: to an owner/occupant of a dwelling used exclusively for private residential purposes and containing not more than 2 units. for dwellings in the course of construction which are: a. new construction (not under renovation). b. built by a licensed contractor. c. insured to 100% of completed value. d. intended for occupancy by the Named Insured. for dwellings with farming exposure which is incidental to the occupancy of the dwelling and farming is not the primary occupation of the dwelling owner. (Refer to Forms and Endorsements section for coverage availability.) for risks which are not constructed of hand hewn logs. Qualifying log homes should not be written for less than a minimum cost of $250 per square foot and are subject to inspection to determine the definitive value. Extended Replacement Cost Coverage is not available on log constructed homes. for dwellings constructed on or after 2000 with EIFS siding. for primary dwellings with Coverage A values no less than $100,000 or no greater than $700,000*. (Please note: if dwelling is located in protection class 9 or 10 the maximum Coverage A is $500,000.) for secondary dwellings with Coverage A values no less than $50,000 or no greater than $700,000*. (Please note: if dwelling is located in protection class 9 or 10 the maximum Coverage A is $500,000.) Mobilehomeowners Special Form (MH 3046) The Mobilehomeowners Special Form program is closed for new business effective December 10, Contents Broad Form (HO 4046) The Contents Broad Form policy may be issued: to tenants (non-owner) of a dwelling, apartment or mobilehome no older than 10 years.; to the owner/occupant of a dwelling, cooperative unit or of a building containing an apartment which is not eligible for another Homeowners policy form. to risks with a Coverage C limit of $20,000 or more. Mutual of Enumclaw Insurance Company 8

9 Program Guidelines Enhanced Form (HO 5046) The Enhanced Form policy may be issued: for dwellings and premises constructed on or after 1975 that exhibit above average maintenance and pride of ownership. for owner occupied dwellings used exclusively for private residential purposes and containing not more than 2 units. for dwellings that are not of log or earth construction. for dwellings that are not of the modular or mobilehome construction type. for dwellings constructed on or after 2000 with EIFS siding. for dwellings with standard, or better, quality construction. for dwellings in the course of construction which are: a. new construction (not under renovation). b. built by a licensed contractor. c. insured to 100% of completed value. d. intended for occupancy by the Named Insured. for dwellings with Coverage A values no less than $300,000. Values exceeding the agent binding authority should be discussed with the Underwriter. For dwellings in protection classes 1 8A for dwellings with farming exposure which is incidental to the occupancy of the dwelling and farming is not the primary occupation of the dwelling owner. (Refer to Forms and Endorsements section for coverage availability.) Unit-Owners Form (HO 6046) The Unit-Owners Form policy may be issued: to the owner/occupant of a cooperative or condominium unit which is used exclusively for private residential purposes. to risks with a Coverage C limit of $40,000 or more. Mutual of Enumclaw Insurance Company 9

10 General Rules Cancellation Or Reductions In Limits Of Liability Or Coverages It is not permissible to cancel any of the mandatory coverages in the policy unless the entire policy is cancelled. If insurance is cancelled or reduced at the request of either the insured or insurer, any earned premium shall be computed on a pro rata basis. Construction Definitions Frame - exterior wall of wood or other combustible construction, including wood-iron clad, stucco on wood or plaster on combustible supports. Includes: Aluminum or plastic siding over frame. Log - a building with exterior walls of (natural or manufactured) log construction. (This construction class is not valid for HO-4, HO-6 or HO-5 policy forms. Hand hewn log homes are not acceptable.) Masonry Veneer - exterior walls of combustible construction veneered with brick or stone. Rate as masonry provided at least 66% of the exterior walls, including gables, are veneered with brick or stone. 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). NOTE: Mixed (Masonry/Frame) - a combination of both frame and masonry construction shall be classed and coded as frame when the exterior walls of frame construction (including gables) exceed 33 1/3% of the total exterior wall area; otherwise class and code as masonry. Mandatory Coverages It is mandatory that insurance be written for all coverages provided under both Sections I and II of the Homeowners Policy. Section II of the policy requires coverage for the following exposures: (a) all additional insured locations where the Named Insured or spouse maintain a residence other than business or farm properties; (b) all residence employees of the Named Insured or spouse not covered or not required to be covered by workers compensation insurance; and (c) permitted incidental occupancies by the insured on residential premises of the Named Insured. Manual Premium Revision A manual premium revision, meaning any revision of premium applicable to the Homeowners Program, 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) When an existing Homeowners Policy is endorsed to take advantage of a reduction in premium, the adjustment shall be made on a pro rata basis. (d) Unless otherwise provided, at the time the premium revision becomes effective, the premium revision does not affect in-force policy forms and endorsements until the policy is renewed. Minimum Premium A minimum annual premium of $150 shall apply to the HO-3, MH-3, HO-5 and HO-6 policy forms. A $75 minimum premium applies to the HO-4 form. All chargeable endorsements and coverages, written at the inception of the policy, are subject to the minimum premium except Scheduled Personal Property (HO M061) and Scheduled Property - Agreed Value Coverage (HO M5350). When endorsements or coverages are attached after inception of the policy, the charge for each applies in accordance with the minimum premium rule, if any, for the endorsement. Multiple Company Insurance Not offered in this program. Mutual of Enumclaw Insurance Company 10

11 General Rules Other Insurance Credit for existing insurance is not permitted. Payment Payment plans are offered at the discretion of the Company. Billing and/or service fees are as follows: $4.00 service charge per payment is added to the amount owed when payments are received for less than the total premium. $6.00 convenience fee per payment is added to the amount owed when payments are made via telephone. $20.00 charge will be added for each check made by any policyholder or on his/her behalf that is not honored, for any reason, by the financial institution upon which it is drawn. ( Check includes installments of a Checkless Payment Plan (electronic fund transfer), credit or debit card transaction or other legal payment method that is not cash.) $5.00 late fee per payment is added to the amount owed when payment is received after the due date. No service charge is made when payments are received via a checkless payment plan (electronic funds transfer). Policy Changes Endorsements The addition or deletion of coverages will not alter the premium due date or the term of the policy. Adjustments in premium due to the changes will be prorated from the effective date to the end of the policy term and a full adjustment will be made for the next renewal cycle. Cancellation All cancellations, regardless of whether they are initiated by the company or the policyholder, are calculated on a pro rata basis. Policy Period The Homeowners Policy shall be written for a period of one year and may be extended for successive policy periods by a renewal declarations page based upon the premiums, forms and endorsements then in effect for the Company. For maintaining common anniversary dates, a Homeowners Policy may be written for a period of less than one year on a pro rata basis. Premium Adjustments 1. Paid-In-Full Policies a. Additional premium will be billed as an installment. b. Return premium will be sent to the insured in 10 days. 2. Installment Bill Policies a. Additional premium will be spread over remaining installments. b. Return premium will be spread over the current and remaining installments. Premium Rounding Rule HO-3, MH-3 and HO-5 policy premiums will be rounded to the penny. HO-4 and HO-6 policy premiums and optional endorsements will be rounded to the nearest whole dollar. In the event of cancellation by the Company, the return premium may be carried to the next higher whole dollar. Mutual of Enumclaw Insurance Company 11

12 General Rules Property Renewal Increases The limits of liability shown in the declarations page for Coverages A, B, C and D will be increased at the annual renewal by the property renewal increase factors adopted by the company. Payment of the renewal premium will constitute acceptance of the revised limits of liability as shown on the Declarations page. Protection Information When the class developed by the Washington Surveying and Rating Bureau is 1 through 8, apply rules a., b. or c. When the class developed is a 9 or 10, apply rule d. or e. a. Standard Public Protection The class developed by the Washington Surveying and Rating Bureau applies to properties within 5 road miles of a recognized Class A fire station and with either a standard fire hydrant within 1,000 feet or an approved tanker operation in the district. b. Inferior Public Protection Class Listed DISTANCE TO RECOGNIZED FIRE STATION Protection Class Applicable 1 5 Not over 2 miles to 5 miles Special Class 8A 6 8 Not over 5 miles Special Class 8A 1 8 Over 5 miles 10 d. When the class developed by the Washington Surveying and Rating Bureau is 9, class 9 applies to properties within 5 road miles of a recognized fire station. Class 10 applies to all other properties. e. If the classification of an area is not developed or is indicated by the Washington Surveying and Rating Bureau as a class 10, class 10 applies to all properties in the district. Renewal Plan A Homeowners Policy may be written for a term of twelve months. The policy may be continued for successive terms upon payment of the required premium to the Company on or before the inception date of each successive term. The continuation premium shall be based upon the premiums in effect on the renewal date. The then current editions of the applicable forms and endorsements must be made a part of the policy. Seasonal Dwelling Definition A seasonal dwelling is a dwelling with continuous unoccupancy of three or more consecutive months during any one year period. Secondary Residences A separate policy may be written to insure the dwelling and other structures at a second residence. The liability for this residence must be extended from the primary policy written with us. c. Exceptions: Class 9 applies to properties over 5 road miles from a class A station but within 5 road miles of a class B station. Class 8A applies to properties between 5 and 10 road miles from a recognized Class A fire station and not over 5 road miles from a recognized Class B fire station housing an Initial Attack Fire Apparatus. Mutual of Enumclaw Insurance Company 12

13 General Rules Single Building Definition All buildings or sections of buildings which communicate through unprotected openings will be considered as a single building. Buildings which are separated by space will be considered separate buildings. Buildings or sections of buildings which are separated by an 8 inch masonry party wall which pierces or rises to the underside of the roof and which pierces or extends to the innerside of the exterior wall will be considered separate buildings. Communication between buildings with independent walls or through masonry party walls described above will be protected by at least a Class A Fire Door installed in a masonry wall section. Transfer Or Assignment Subject to all the rules of this manual and any necessary adjustment of premium, a Homeowners Policy may be endorsed to effect transfer to another location within the same state. No assignments of a policy from one insured to another are allowed. Mutual of Enumclaw Insurance Company 13

14 Forms and Endorsements Descriptions We are providing general descriptions of endorsements offered. Please consult the actual forms and endorsements for exact terms, conditions and exclusions. Underwriting guidelines are not intended to be inclusive. Additional information may be required under certain circumstances. Actual Cash Value Mobilehome MH-202 Amends the mobilehome policy from a replacement cost contract to an actual cash value contract. Available on MH-3. The mobilehome must have a minimum value of $15,000. The mobilehome cannot be over 15 years old. Additional Insured (Residence Premises) HO-41 Extends Section I Coverages A and B and Section II Coverages E and F to someone other than the Named Insured who has an ownership interest in the dwelling. Information required to complete the endorsement form: Name and address of the additional insured. Interest of the additional insured. Additional Interests (Residence Premises) HO-310 Used to add a third party, other than a mortgagee, who has an interest in the residence. Affords Section I coverages only. Information required to complete the endorsement form: Name and address of the other party. Description of their interest. Effective date of their interest. Additional Residence Rented to Others (1, 2, 3 or 4 Families) HO-70 Extends Personal Liability and Medical Payments to Others coverages to owned residences rented to others. Extension of liability is limited to maximum of 10 family units (a duplex counts as 2 units, a triplex is 3 units, etc.). This endorsement may extend liability only to 1, 2, 3 or 4 Family dwellings. Dwelling must be located in a state in which we are licensed to conduct business. Information required to complete the endorsement form: Dwelling location. Number of families. Not available on Secondary or Seasonal Occupancy status policies. Barns, Buildings and Structures HO M007, HO M5007 Named perils coverage on an actual cash value basis for barns, buildings and structures. As these structures are specifically insured, Coverage B of the policy does not apply to them. Available on HO-3, HO-5 and MH-3 policy forms. Information required to complete the endorsement form: Description of structure. Limit per structure. Use of structure. Mutual of Enumclaw Insurance Company 14

15 Forms and Endorsements Descriptions Building Additions and Alterations (Other Residence) HO-49 Used to cover the insured s interest in additions, alterations, and improvements to rented secondary residences. Information required to complete the endorsement form: Location Address. Limit for each location. Building Additions and Alterations HO-51 Increased Limit Form HO-4 Used to provide an increased limit for tenants building additions, alterations, fixtures, improvements, and installations. Available on HO-4 policy forms. Information required to complete the endorsement form: Increase amount. Business Pursuits HO-71 Coverage for liability arising out of business pursuits may be added to the policy through the use of this endorsement. Coverage does not apply to a business owned by the insured or in which the insured is a partner. Professional liability is excluded for other than teaching. Information required to complete the endorsement form: Insured s name. Business description. Employment classification. Corporal punishment liability desired (if insured is a teacher). Not available on Secondary or Seasonal Occupancy status policies. Course of Construction HO M005 This endorsement is attached to a new business policy when construction of the dwelling has begun. Available on HO-3 and HO-5 policy forms. A dwelling being constructed by the insured is not eligible. The coverages afforded by this endorsement cease 1 year after the original inception date of the policy. Any dwellings not scheduled to be done within 365 days are not eligible for coverage. Contract of Sale 137 Provides coverage language specific to contract seller. Mutual of Enumclaw Insurance Company 15

16 Forms and Endorsements Descriptions Coverage C Increased Special Limits of Liability HO-65 The policy form contains Special Limits of Liability under Coverage C for certain categories of property. This endorsement is used to increase money, securities, jewelry, firearms, and silverware without specifically scheduling each item. The last 3 categories are increased with respect to theft only. The Coverage C perils named in the contract are not changed by this endorsement. 1. Jewelry, Watches and Furs The special limit on jewelry, watches and furs may be increased to a maximum of $5,000 but not exceeding $1,000 for any one article. 2. Money and Securities The special limit on money may be increased to a maximum of $1,000. The limit on securities may be increased to a maximum of $2, Silverware, Goldware and Pewterware The special limit for loss by theft of silverware, etc., may be increased to a maximum of $10,000 in increments of $ Firearms The special limit for loss by theft of firearms may be increased to a maximum of $6,000 in increments of $100. Available on HO-3, MH-3, HO-4 and HO-6 policy forms. This endorsement is not available on HO-3 policy forms written with the HO M015 endorsement (Use HO-211). Coverage C Increased Special Limits of Liability HO-211, HO M5211 Used to increase the special limits of liability for certain categories. 1. Jewelry, Watches and Furs The special limit on jewelry, watches and furs may be increased to a maximum of $5,000 but not exceeding $1,000 for any one article. 2. Money and Securities 3. The special limit on money may be increased to a maximum of $1,000 for HO-3, $2,000 for HO-5. The limit on securities may be increased to a maximum of $2, Silverware, Goldware and Pewterware The special limit for loss by theft of silverware, etc., may be increased to a maximum of $10,000 in increments of $ Firearms The special limit on firearms may be increased to a maximum of $10,000. Available on HO-3 policy form with HO M015 endorsement and HO-5 policy forms. Only money and firearms are eligible for increased limits on HO-5. Information required to complete the endorsement form: Property class to be increased. Amount of increase per property class. Information required to complete the endorsement form: The class of property which is to be increased. The amount of the increase per property class. Mutual of Enumclaw Insurance Company 16

17 Forms and Endorsements Descriptions Credit Card, Fund Transfer Card, Forgery and Counterfeit Money Coverage (Increased Limit) HO-53, HO M5053 Used to increase the automatic limit provided in the policy. Available limits: $2500(not applicable to HO-5), $5000, $7,500, $10,000 Information required to complete the endorsement form: Increase amount. Equipment Breakdown Enhancement Endorsement HO M180 Coverage for applicable electrical, mechanical, or pressure systems breakdown. $100,000 per Occurrence Limit of Liability $500 Per Occurrence Deductible o In the event that more than one deductible may be applied to a loss that includes Equipment Breakdown, the single highest deductible will apply. Available to HO-3, HO-5, MH-3, HO-4 and HO-6 policy forms. Extended Home Replacement Coverage HO M5101 This endorsement amends item 3.b. of the Section I Conditions by stating we will settle covered losses to Coverage A & B up to an additional amount of the Coverage A or Coverage B limit of liability shown on the Declarations pages. This is a mandatory form. Applicable to HO-5 policy form. Farmers Personal Liability HO M073WA, HO M5073WA This endorsement may be used to cover farm liability exposures when the insured has a farming exposure, by leasing farm land to others, is not actively involved in farming and farming is not his primary occupation. This endorsement form will not be offered only for the purpose of obtaining animal collision coverage. The following guidelines apply to leased farmland: a. Lessee must maintain insurance coverage for the farming operations. b. Our insured must be listed as an additional insured on the lessee s policy. c. If the leased land is also the residential premise the named insured must reside in the home. d. Insured owned equipment should not be used by the lessee. Information required to complete the endorsement form: Farm questionnaire PL106 completed by the insured. Location of all farm premises and type of farming conducted on each. a. Number of additional farm premises. b. Number of farm premises without buildings. c. Acreage. Description of any business pursuits (other than farming) which are conducted on the insured location(s) Animal Collision a. Number of animals ($400 coverage per animal). Not available on Secondary or Seasonal Occupancy status policies. Mutual of Enumclaw Insurance Company 17

18 Forms and Endorsements Descriptions Homeowners Extended Replacement Cost Coverage HO M091 When this endorsement is attached to the policy, we agree to settle covered losses to the dwelling up to an additional 25% of the limit of liability under Coverage A shown on the Declarations page at the time of loss. Dwellings must be insured to 100% of replacement cost to be eligible for this coverage. Available on HO-3 policy form. Identity Fraud Expense Coverage HO M5316 This form provides reimbursement for expenses incurred by an insured as a direct result of identity fraud. This is a mandatory form. Applicable to HO-5 policy form. Incidental Farming Personal Liability HO-72 Coverage may be provided for the liability of the Insured when farming is conducted on the residence premises and is incidental to the use of the premises as a dwelling, and the income derived from the farming operation is not the insured s primary source of income. Coverage may also be provided when the residence premises is used for the sheltering and grazing of animals. However, coverage is not available if the residence premises are used for racing purposes. In most cases, the farm exposure should: a. Not exceed gross revenue of $15,000. b. Be for a policyholder who has an off the farm primary occupation (unless retired). c. Not have a riding arena. d. Not have a dairy operation. e. Not exceed (80) acres. f. Be limited to $30,000 of scheduled farm equipment on an Inland Marine policy. g. Be limited to a combined total of $100,000 for newer structures at replacement value on an HO48. h. Be limited to a combined total of $50,000 on an HOM007 at ACV for older structures. Exposures not contemplated in Personal Lines include: a. Employees (full or part time). b. Tree farms. c. U-cut/U-pick operations. d. Roadside sales stands. e. Boarding, breeding, training or renting of animals. f. Exotic animals. g. Custom farmers. h. Nurseries. i. Poultry. j. Processing or dairies. k. Seed operations. l. Kennels. m. Property open for hunting. The Farm Liability questionnaire (PL 106) must be completed. Not available on Secondary or Seasonal Occupancy status policies. Mutual of Enumclaw Insurance Company 18

19 Forms and Endorsements Descriptions Incidental Motorized Land Conveyances HO M313WA, HO M5313WA This endorsement extends, to the insured and permissive operators, Section II coverages to motorized vehicles excluding: motorized bicycles, mopeds or motorized golf carts any conveyance: a. with a maximum speed of more than 25 MPH. b. subject to motor vehicle registration. c. while used to carry persons for a charge. d. while used for business purposes. e. while rented to others. f. while operated in any race, speed contest or competition. If a vehicle is not eligible for coverage under this endorsement, we also have available Recreational Vehicle Liability Coverage under endorsement HO M009. This is a mandatory endorsement but not applicable when the HO M073WA or HO M5073WA are attached. Increased Limit on Personal Property in Other Residences HO-50 This endorsement is used when an increased limit is desired. Verify liability extension to additional residence(s). Information required to complete the endorsement form: Location address. Increase amount. Increased Limits on Business Property HO-312, HO M5312 The policy form contains special limits on business property. Limits may be increased by means of this endorsement. The increased limit does not apply to business property in storage or held as a sample or for sale or delivery after sale or to business property pertaining to a business actually conducted on the residence premises. The specific dollar increase applies to on premises business property. Off premises business property is covered at 10% of the on premises limit. Maximum limit is $10,000. Information required to complete the endorsement form: Increase in limit. Description of the business. Description of the business property. Landlord s Furnishings HO-308 This endorsement is used to increase the coverage for property in an apartment regularly rented or held for rental to others by an insured. Not available on HO-3 with HO M015 or HO-5 policy forms. Available Limits: $1,000, $2000, $3,000, $4,000, $5,000 Lender s Loss Payable Endorsement 438BFU NS Provides coverage language specific to a mortgagee. Mutual of Enumclaw Insurance Company 19

20 Forms and Endorsements Descriptions Loss Assessment Coverage HO-35, HO M5035 All policy forms include an automatic limit of loss assessment coverage (excluding earthquake). Please refer to the specific contract for the amount of coverage provided. Increased limits may be obtained with this endorsement. Please note: The policy forms do include a Special Limit applicable to an assessment resulting from a deductible in the policy of insurance purchased by a corporation or association of property owners. Please refer to the desired policy form for the pertinent information. No more than 2 locations can be written in addition to the residence premises. Available Limits: Residence Premises: $5,000 to $50,000 in increments of $5,000 o The minimum increase limit for HO-5 is $10,000. Additional Locations: $1,000, $5,000 to $50,000 in increments of $5,000 Information required to complete the endorsement form: Increase in limit on the residence premises. If additional locations are covered the unit location and limit per location should be provided. Loss Payable Endorsement HO M335 Mobilehome Lienholder s Single Interest MH-85 This endorsement provides coverage only for the interest of the lienholder on the mobilehome for collision or upset while in transit and from conversion, embezzlement, or secretion by the insured. Available on MH-3 policy form. Ordinance or Law Coverage HO M277V/HO M5277V This endorsement amends the contract to insure the Dwelling and Other Structures against loss resulting from ordinances or laws which regulate construction, repair or demolition of the property. Available on HO-3, HO-5, and HO-6 policy forms. (Note: The HO-5 policy form includes the 25% of Coverage A option noted below.) Available with HO-49 Building Additions and Alterations (Other Residence) endorsement. Information required to complete the endorsement form: Aggregate limit desired. Available options for HO-3 and HO-5: 25%, 50%, or 100% of Coverage A Available options for HO-6: 100% of Coverage A Provides coverage language specific to a mortgagee. Mutual Policy Conditions ME This form provides conditions applicable to insureds of a mutual insurance company. This is a mandatory form. Mutual of Enumclaw Insurance Company 20

21 Forms and Endorsements Descriptions Other Structures (Increased Limits) HO-48 This endorsement is used to increase coverage on other structures on the residence premises over what is provided in the policy form. The Coverage B Perils Insured Against in the policy extend to the additional limits obtained through the use of this endorsement. Available on HO-3, MH-3 and HO-5 policy forms. This endorsement is not to be used for agricultural type buildings. For those exposures, see endorsement HO M007 Barns, Buildings and Structures. Information required to complete the endorsement form: Structure description including construction type, square footage and use. Limit per structure as developed by applying the price per square foot required by us. Permitted Incidental Occupancies (Residence Premises) HO-42, HO M5042 Section I and II Coverages of the policy are extended to cover an incidental office, professional, private school, or studio occupancy in the dwelling or in a separate structure on the residence premises. If the business is conducted in another structure on the residence premises Coverage B does not apply. The structure is specifically insured for direct physical loss by a Peril Insured Against under Coverages A and B of the policy form under this endorsement. Professional liability is excluded. This endorsement provides that certain property of the permitted business is covered up to the Coverage C limit. However, the endorsement does not increase the Coverage C limit. The only types of business activities eligible for this endorsement are office, studio, and school operations using less than half of the dwelling area. Day care operations may not be covered by this endorsement. Information required to complete the endorsement form: Business description. Location where the business is conducted. If conducted in an Other Structure, a description of the structure. Limit on Other Structure. Not available on Secondary or Seasonal Occupancy status policies. Permitted Incidental Occupancies (Other Residence) HO-43, HO M5043 Section II Coverage is extended to cover an incidental office, professional, private school, or studio occupancy in a residence other than the insured residence premises. Professional liability is excluded. The only types of business activities eligible for this endorsement are office, studio, and school operations using less than half of the dwelling area. Day care operations may not be covered by this endorsement. Information required to complete the endorsement form: Business description. Premises location. Not available on Secondary or Seasonal Occupancy status policies. Mutual of Enumclaw Insurance Company 21

22 Forms and Endorsements Descriptions Personal Property Replacement Cost HO M290 This endorsement is used to provide replacement cost coverage on property covered under Coverage C and, if applicable, awnings, carpeting, household appliances, outdoor antennas and outdoor equipment, whether or not attached to buildings. The Coverage C Perils Insured Against are not changed by this endorsement. Coverage also applies to articles or classes of property separately described and specifically insured in the policy (i.e. HO M061). Refer to the endorsement for ineligible property and loss settlement provisions. Coverage C of HO-3 and MH-3 is automatically increased, at no additional charge, to 70% of Coverage A. Available on HO-3, MH-3, HO-4 and HO-6 policy forms. Pollution Exclusion HO M011 If Farmers Personal Liability is endorsed onto the policy it is mandatory that this endorsement also be added. This exclusion amends the pollution exclusion which is found in the Farmers Personal Liability endorsement. Premises Alarm or Fire Protection System HO-216 This endorsement is attached when a credit is being allowed for an approved alarm system. Information required to complete the endorsement form: Type of Protective Device System: a. Burglar Alarm. b. Fire Alarm. c. Burglar and Fire Alarm. Installed to Alert: a. Central Station (copy of contract required). b. Police Station/Fire Department. c. Local only. A local burglar alarm must include a functional bell or similar sound-generating device mounted on the exterior of the dwelling. A local fire alarm is required to produce a sound inside the dwelling to alert the occupants. Property Removed Increased Limit MH-104 Increases the coverage limit found in the policy that applies to moving expense when the mobilehome is endangered by a Peril Insured Against. Available on MH-3 policy form. Information required to complete the endorsement form: Increase Limit. Recreational Vehicle Liability Coverage HO M009, HO M5009 This endorsement provides, for the insured and permissive operators, off premises Liability and Medical Payments to Others coverage for recreational vehicles (other than snowmobiles and golf carts on a golf course). Information required to complete the endorsement form: Make or model name of each vehicle. Identification number for each vehicle. Horsepower for each vehicle. Drivers license numbers and dates of birth for household members. Not available on Secondary or Seasonal Occupancy status policies. Mutual of Enumclaw Insurance Company 22

23 Forms and Endorsements Descriptions Residence Rental Theft HO-80 Extends coverage to loss by theft while the portion of the residence premises usually occupied by the insured is occasionally rented in whole or in part to others, or while there is a roomer or boarder. Refer to the endorsement for the exclusions to this extension of coverage. Available on HO-3 policy form. Not available on HO-3 with HO M015. Requires underwriting approval prior to binding. Regularity of rental. Portion of the dwelling rented. Reason for the rental. Scheduled Bicycle Endorsement HO M602 This endorsement provides coverage for scheduled bicycles that may require higher limits or broader coverage than is provided in the Homeowners policy form. $30,000 maximum value per item. Appraisals or bill of sale on items valued at $10,000 and higher. Items must be insured to 100% of value. Prior approval from the company is required to bind coverage on schedules in excess of $75,000. This limit is a combined total of items scheduled under the HO M061 Scheduled Personal Property Endorsement as well as this Scheduled Bicycle Endorsement. Information required to complete the endorsement form: Name of article Description of article (make/model/serial number). Amount per article. Appraisal or bill of sale (as per guidelines above). Scheduled Personal Property Endorsement HO M061 This endorsement provides protection on specific items of personal property that may require higher limits or broader coverage than is provided in the Homeowners policy form. Eligible classes of property are jewelry, furs, cameras, musical instruments, silverware, golfer s equipment, fine arts, postage stamps, rare and current coins, and guns. $30,000 maximum value per item. Appraisals on items valued at $10,000 and higher. Items must be insured to 100% of value. Prior approval from the company is required to bind coverage on schedules in excess of $75,000. This limit is a combined total of items scheduled under the HO M602 Scheduled Bicycle Endorsement as well as this Scheduled Personal Property Endorsement. Information required to complete the endorsement form: Description of article. Amount per article. Appraisal (as per guidelines above). Mutual of Enumclaw Insurance Company 23

24 Forms and Endorsements Descriptions Scheduled Property Agreed Value Coverage HO M5350 This endorsement provides coverage for scheduled jewelry with losses settled on the basis of the amount shown on the declarations. Available on HO-5 policy form. $30,000 maximum value per item. Appraisals on items valued at $10,000 and higher. Prior approval from the company is required to bind coverage on schedules in excess of $75,000. Information required to complete the endorsement form: Description of article. Amount per article. Appraisal (as per guidelines above). Service Line Enhancement Endorsement HO M108 Coverage for applicable failure of service lines from the street to the covered home. $10,000 per Occurrence Limit of Liability $500 Per Occurrence Deductible Available to HO-3, HO-5 and MH-3 policy forms. Sinkhole Collapse HO-99 This endorsement provides coverage for direct physical loss to property covered under Section I caused by sudden settlement or collapse of the earth supporting the property as a result of subterranean voids created by the action of water on limestone or similar rock formations. NO COVERAGE IS PROVIDED FOR MINE SUBSIDENCE. Underwriting guidelines: Available on HO-5 policy form. This coverage should not be offered if: nearby properties have settled, subsided or collapsed as a result of subterranean earth movement or if such losses have occurred on the same property or properties in the last 5 years, or the dwelling was constructed over mining sites, underground caves or on filled ground. Maps showing the location of steep slopes, subterranean caverns and mines may be used to determine eligibility for the endorsement. Information required to add the endorsement: Location of property to be insured. Snowmobile Liability HO M164WA This endorsement provides, for the insured and permissive operators, Personal Liability and Medical Payments to Others coverage for owned snowmobiles off an insured location, subject to certain limitations. This is a mandatory endorsement. Not available on Secondary or Seasonal Occupancy status policies. Special Computer Coverage HO-314 Computers and related equipment may be insured against additional risks of physical loss subject to certain exclusions. The limit of liability for a computer is not increased by this endorsement. Not available on HO-3 policy forms with an HO M015 endorsement attached or HO-5 policies. Mutual of Enumclaw Insurance Company 24

25 Forms and Endorsements Descriptions Special Personal Property Coverage HO M015 By attachment of this endorsement, the policy is amended to insure Coverage C against additional risks of physical loss subject to certain exclusions. Earthquake coverage is excluded. Available only on HO-3 and MH-3 policy forms. Personal Property Replacement Cost must be written on Coverage C - Personal Property. Policy must be written with at least a $500 deductible. Special Provisions Washington HO M301WA, HO M401WA, HO M501WA, HO M601WA These forms modify certain provisions in the policy to meet specific state requirements. Structures Rented to Others (Residence Premises) HO-40 This endorsement extends Section I and Section II Coverage to specified structures on the residence premises rented to anyone other than a tenant of the dwelling for use as a private residence. Coverage B does not apply to structures scheduled on this endorsement. Information required to complete the endorsement form: Structure description including construction type, square footage and use. Limit per structure. Not available on Secondary or Seasonal Occupancy status policies. Theft of Building Materials Dwelling Under Construction HO M012 This endorsement provides coverage for theft from the insured location of personal property and building materials or supplies for a home under construction. Coverage is limited to 10% of the Coverage A - Dwelling limit. The premium is fully earned when written. Coverage expires at the first policy expiration date or when the dwelling is completed and occupied, whichever comes first. If an extension of coverage past the first expiration date is desired Underwriter approval is required. An additional fully earned premium will be applied. No further coverage extension will be allowed. Underwriting guidelines: Available on HO-3 and HO-5 policy forms. Three or Four Family Dwelling Premises Liability HO-74 (Form HO-4) This endorsement is attached only when the insured owns a 3 or 4 family dwelling and occupies one of the units. While the structure is insured under another policy, the insured may obtain coverage for personal property and personal liability on a Contents Broad Form (HO-4) policy. Personal liability is extended to that portion of the structure which is not occupied by the insured when this endorsement is attached. Available on HO-4 policy form. This coverage is not available to a tenant who does not have an ownership interest in the residence premises. Not available on Secondary or Seasonal Occupancy status policies. Mutual of Enumclaw Insurance Company 25