TOI: 04.0 Homeowners Sub-TOI: Homeowners Sub-TOI Combinations Revised Rule 521 Water Sewer Backup for HCIC

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1 Project Name/Number: Homeowners Multi Peril/ Filing at a Glance Company: Hartford Casualty Insurance Company Revised Rule 521 Water Sewer SERFF Tr Num: HART State: Arkansas Backup for HCIC TOI: 04.0 Homeowners SERFF Status: Closed State Tr Num: EFT $25 Sub-TOI: Homeowners Sub-TOI Combinations Co Tr Num: State Status: Fees verified and received Filing Type: Rule Co Status: Initial Filing Reviewer(s): Becky Harrington, Betty Montesi Authors: Joyce Driscoll, Marilu Disposition Date: 12/03/2008 Gonzalez, David Logan, Angela Isaac Date Submitted: 12/03/2008 Disposition Status: Filed Effective Date Requested (): 01/08/2009 Effective Date (): 01/08/2009 Effective Date Requested (Renewal): 02/19/2009 Effective Date (Renewal): 02/19/2009 State Filing Description: General Information Project Name: Homeowners Multi Peril Project Number: Reference Organization: Reference Title: Filing Status Changed: 12/03/2008 State Status Changed: 12/03/2008 Corresponding Filing Tracking Number: Status of Filing in Domicile: Domicile Status Comments: Reference Number: Advisory Org. Circular: Deemer Date: Filing Description: We herewith file the revised Rule 521 Water Back Up and Sump Discharge or Overflow as described in the Explanatory Memorandum.

2 Project Name/Number: Company and Contact Homeowners Multi Peril/ Filing Contact Information Joyce Driscoll, Filing Analyst 1 Hartford Plaza (860) [Phone] Hartford, CT (860) [FAX] Filing Company Information Hartford Casualty Insurance Company CoCode: State of Domicile: Indiana Hartford Plaza Group Code: 91 Company Type: Property Hartford, CT Group Name: State ID Number: (860) ext. [Phone] FEIN Number: Filing Fees Fee Required? Yes Fee Amount: $25.00 Retaliatory? No Fee Explanation: Per Company: No COMPANY AMOUNT DATE PROCESSED TRANSACTION # Hartford Casualty Insurance Company $ /03/

3 Project Name/Number: Homeowners Multi Peril/ Correspondence Summary Dispositions Status Created By Created On Date Submitted Filed Becky Harrington 12/03/ /03/2008 Amendments Item Schedule Created By Created On Date Submitted Explanatory Supporting Document Joyce Driscoll 12/03/ /03/2008 Memorandum Filing Notes Subject Note Type Created By Created On Date Submitted HPCS Note To Filer Becky Harrington 12/03/ /03/2008

4 Project Name/Number: Disposition Homeowners Multi Peril/ Disposition Date: 12/03/2008 Effective Date (): 01/08/2009 Effective Date (Renewal): 02/19/2009 Status: Filed Comment: Rate data does NOT apply to filing.

5 Project Name/Number: Homeowners Multi Peril/ Item Type Item Name Item Status Public Access Supporting Document Form RF-2 Loss Costs Only (not for Yes workers' compensation) Supporting Document H-1 Homeowners Abstract Yes Supporting Document HPCS-Homeowners Premium Yes Comparison Survey Supporting Document NAIC loss cost data entry document Yes Supporting Document Uniform Transmittal Document-Property & Filed Yes Casualty Supporting Document Explanatory Memorandum Filed Yes Rate Endorsements and Forms Filed Yes Rate Rule 521 Water Back Up and Sump Discharge or Overflow Filed Yes

6 Project Name/Number: Note To Filer Homeowners Multi Peril/ Created By: Becky Harrington on 12/03/ :38 AM Subject: HPCS Comments: No objection to the HPCS due to it not being required with rule filings.

7 Project Name/Number: Amendment Letter Homeowners Multi Peril/ Amendment Date: Submitted Date: 12/03/2008 Comments: Attached is the Explanatory Memorandum. Changed Items: Supporting Document Schedule Item Changes: User Added -Name: Explanatory Memorandum Comment: Attached is the Explanatory Memorandum. AR Home Affinity Filing - eff EM.pdf

8 Project Name/Number: Rate Information Homeowners Multi Peril/ Rate data does NOT apply to filing.

9 Project Name/Number: Rate/Rule Schedule Homeowners Multi Peril/ Review Status: Exhibit Name: Rule # or Page Rate Action Previous State Filing Attachments #: Number: Filed Endorsements and Forms FORMS-1 and FORMS-2 AR Home Affinity Forms-1 and 2.pdf Filed Rule 521 Water Back AR AR Home Affinity Up and Sump Filing - eff AR Discharge or Overflow pdf

10 HARTFORD CASUALTY INSURANCE COMPANY ARKANSAS HOMEOWNERS POLICY PROGRAM GENERAL RULES EFFECTIVE 1/8/2009 NUMBER ENDORSEMENTS AND FORMS HO Broad Form HO Special Form HO Tenants Form HO Comprehensive Form HO Unit Owners Form HO Special Provisions Arkansas HO Windstorm or Hail Percentage Deductible HO Additional Interest/Residence Premises HO Increased Limits on Business Property HO Special Computer Coverage HO Premises Alarm or Fire Protection System HO Loss Assessment Coverage HO Loss Assessment Coverage for Earthquake HO Structures Rented to Others HO Additional Insured Residence Premises HO Permitted Incidental Occupancies Residence Premises HO Cost Loss Settlement for Certain Non-Building Structures on the Residence Premises HO Inflation Guard HO Other Structures on the Residence Premises Increased Limits HO Building Additions and Alterations Other Residence Endorsement HO Increased Limits On Personal Property In Other Residences HO Building Additions and Alterations Increased Limit Form HO HO Livestock Collision Coverage HO Credit Card, Electronic Fund Transfer Card or Access Device, Forgery and Counterfeit Money Coverage Increased Limit Endorsement HO Earthquake Coverage HO Identity Fraud Expense Coverage HO Special Loss Settlement HO Other Members of Your Household HO Assisted Living Care Coverage HO Scheduled Personal Property Endorsement (With Agreed Value Loss Settlement) HO Scheduled Personal Property Endorsement HO Coverage C Increased Special Limits of Liability HO Coverage C Increased Special Limits of Liability HO Ordinance or Law - Increased Amount of Coverage Endorsement HO Personal Property Cost Loss Settlement HO Coverage B Other Structures Away from the Residence Premises HO Specific Structures Away from the Residence Premises HO No Coverage for Home Day Care Business HO Home Day Care Coverage Endorsement INCLUDES COPYRIGHTED MATERIAL OF INSURANCE SERVICES OFFICE FORMS - 1

11 EFFECTIVE 1/8/2009 HARTFORD CASUALTY INSURANCE COMPANY ARKANSAS HOMEOWNERS POLICY PROGRAM GENERAL RULES NUMBER ENDORSEMENTS AND FORMS HO Refrigerated Property Coverage HO Sinkhole Collapse HO Special Personal Property Coverage Form HO Only HO Additional Insured - Student Living Away from the Residence Premises HO Theft Coverage For Residence Premises Occasionally Rented to Others HO Residence Held in Trust HO Landlords Furnishings HO Unit-Owners Coverage C Special Coverage Form HO Only HO Unit-Owners Coverage A Special Coverage Form HO Only HO Unit-Owners Rental to Others Form HO Only HO Unit-Owners Modified Insurance and Service Agreement Condition HO Excess Dwelling Coverage HO Incidental Low Power Recreational Motor Vehicles HO Permitted Incidental Occupancies Other Residence HO Owned Snowmobile HO Additional Residence Rented to Others HO Business Pursuits HO Incidental Farming Personal Liability HO Farmers Personal Liability HO Watercraft HO Personal Injury HO Exclusion Farm Employee Illegally Employed HW Amendatory Endorsement HW Homeowners Policy Pollution Exclusion HW Special Coverage Option Jewelry and Furs HW Sentinel Coverage Package HW Sentinel Platinum Coverage Package HW Sentinel Gold Coverage Package HW Sentinel Gold Condominiums Package HW Additional Limits Of Liability For Coverages A, B, C, And D HW Refrigerated Property Coverage HW Golf Cart Endorsement HW Sentinel Silver Coverage Package HW Additional Coverage - Form HO HW Water Backup and Sump Discharge or Overflow G B Blank Endorsement INCLUDES COPYRIGHTED MATERIAL OF INSURANCE SERVICES OFFICE FORMS - 2

12 Hartford Casualty Insurance Company Arkansas Homeowners Policy Program Effective Date 1/8/2009 ISO2000 HO 521 WATER BACK UP AND SUMP DISCHARGE OR OVERFLOW A. Coverage Description HW The policy may be endorsed to provide coverage for loss resulting from water which backs up through sewers or drains or which overflows from a sump. 1. Coverage Option The base limit of liability under this option is $5,000. The additional available limits are $10,000, $20,000, $30,000. Premium a. Select the base premium for the appropriate territory. The base premium includes a coverage limit of $5,000, with the Personal Property Cost Endorsement attached: Territory All Territories $50 Base Premium b. Select the factor for the coverage limit: Limit Factor 5, , , , c. Select the factor for the deductible/limit: Limit Deductible Deductible Deductible $250 $500 $1,000 5, , , , a. Multiply the base premium from (a.) by the factors in (b.) and (c.) to determine the premium. If the Personal Property Cost Endorsement is not attached, subtract $10 from the premium in (d.) 2. Endorsement Use Water Back Up and Sump Discharge or Overflow Endorsement HW INCLUDES COPYRIGHTED MATERIAL OF INSURANCE SERVICES OFFICES AR 521.1

13 Project Name/Number: Homeowners Multi Peril/ Supporting Document Schedules Review Status: Satisfied -Name: Uniform Transmittal Document- Filed 12/03/2008 Property & Casualty Comments: Attached is the Uniform Transmittal Document-Property & Casualty and the Rate Rule Filing Schedule. Attachments: PC-TD Affinity HCIC.pdf PC-RRFS Affinity HCIC.pdf Review Status: Satisfied -Name: Explanatory Memorandum Filed 12/03/2008 Comments: Attached is the Explanatory Memorandum. Attachment: AR Home Affinity Filing - eff EM.pdf

14 Effective March 1, 2007 Property & Casualty Transmittal Document 1. Reserved for Insurance Dept. Use Only 2. a. b. c. d. e. Insurance Department Use only Date the filing is received: Analyst: Disposition: Date of disposition of the filing: Effective date of filing: Business Renewal Business f. g. h. State Filing #: SERFF Filing #: Subject Codes 3. Group Name Hartford Financial Services Group Group NAIC # Company Name(s) Domicile NAIC # FEIN # State # Hartford Casualty Ins.Co. Indiana Company Tracking Number Contact Info of Filer(s) or Corporate Officer(s) [include toll-free number] 6. Name and address Title Telephone #s FAX # Joyce Driscoll, Technical Services, T-1-54 Filing Analyst 1 Hartford Plaza, Hartford, CT Joyce.Driscoll@TheHartford.com 7. Signature of authorized filer 8. Please print name of authorized filer Joyce Driscoll Filing information (see General Instructions for descriptions of these fields) 9. Type of Insurance (TOI) 10. Sub-Type of Insurance (Sub-TOI) 11. State Specific Product code(s) (if applicable)[see State Specific Requirements] 12. Company Program Title (Marketing title) Filing Type 04 Homeowners Multi Peril Homeowners PC N/A 13. ## Rate/Loss Cost #### Rules TRUE Rates/Rules ## Forms ### Combination Rates/Rules/Forms ## Withdrawal # Other (give description) 14. Effective Date(s) Requested : 1/8/09 Renewal: 2/19/ Reference Filing? ## Yes ## No 16. Reference Organization (if applicable) 17. Reference Organization # & Title N/A N/A 18. Company s Date of Filing 19. Status of filing in domicile December 3, 2008 ## Not Filed ### Pending FALSE Authorized # Disapproved PC TD-1 pg 1 of 2

15 Effective March 1, 2007 Property & Casualty Transmittal Document 20. This filing transmittal is part of Company Tracking # 21. Filing Description [This area can be used in lieu of a cover letter or filing memorandum and is free-form text] We herewith file the revisions to the Rule 521 Water Back Up and Sump Discharge or Overflow, overall rate change of 0.0% and the revised Underwriting Tier Guideline as described in the Explanatory Memorandum. As required, enclosed is the Homeowners Premium Comparison, NAIC Loss Cost Document and the Homeowners Survey Form HPCS. Filing Fees (Filer must provide check # and fee amount if applicable) 22. [If a state requires you to show how you calculated your filing fees, place that calculation below] Check #: Amount: EFT $25.00 Refer to each state s checklist for additional state specific requirements or instructions on calculating fees. ***Refer to the each state s checklist for additional state specific requirements (i.e. # of additional copies required, other state specific forms, etc.) PC TD-1 pg 2 of 2

16 Effective January 3, 2008 Arkansas RATE/RULE FILING SCHEDULE (This form must be provided ONLY when making a filing that includes rate-related items such as Rate; Rule; Rate & Rule; Reference; Loss Cost; Lost Cost & Rule or Rate, etc.) (Do not refer to the body of the filing for the component/exhibit listing, unless allowed by state.) 1. This filing transmittal is part of Company Tracking # 2. This filing corresponds to form filing number (Company tracking number of form filing, if applicable) FF Rate Increase Rate Decrease x Rate Neutral (0%) 3. Filing Method (Prior Approval, File & Use, Flex Band, etc.) Use & File 4a. Rate Change by Company (As Proposed) Company Overall % Overall % Written # of Written Maximum Minimum Name Indicated Rate premium policyholders premium % Change % Change Change Impact change for affected for this (where (where (when this for this program required) required) applicable) program program Hartford Casualty Insurance Company N/A 0.0% ,925 4b. Rate Change by Company (As Accepted) For State Use Only Company Overall % Overall % Written # of Written Name Indicated Rate premium policyholders premium Change Impact change for affected for this (when this for this program applicable) program program Hartford Casualty Insurance Company Maximum % Change (where required) Minimum % Change (where required) Overall Rate Information (Complete for Multiple Company Filings only) COMPANY USE 5a. Overall percentage rate indication (when applicable) 5b. Overall percentage rate impact for this filing Effect of Rate Filing - Written premium change for 5c. this program Effect of Rate Filing - Number of policyholders 5d. affected STATE USE 6. Overall percentage of last rate revision 7. Effective Date of last rate revision Filing Method of Last filing (Prior Approval, File & Use, Flex Band, etc.) 0.0% 9/4/ Use and File 9. See Next Page PC RRFS-1 Page 1 of 2

17 PC RRFS-1 Rule # or Page # Submitted 9. for Review or? 01 Forms - 1 & 2 x 02 AR x Previous state filing number, if required by state Page 2 of 2

18 Hartford Casualty Insurance Company ARKANSAS HOMEOWNERS EXPLANATORY MEMORANDUM We are filing changes to our homeowners business written in the above writing company. We are proposing these changes to be effective for all new business policies written on or after January 8, 2009 and for all renewal policies effective on or after February 19, The overall impact of these changes is 0.0%. The Hartford is revising rule 521 Water Back Up and Sump Discharge or Overflow. Deductible options of $500 and $1000 are introduced as well as new coverage limits of $10,000, $20,000 and $30,000. Form HW will replace forms HO and HW Revised rule pages are attached.