HOMEOWNERS POLICY PROGRAM CALIFORNIA THE TOKIO MARINE AND FIRE INSURANCE COMPANY, LTD. (U.S. BRANCH) Includes copyrighted material of Insurance Services Office, with its permission Copyright, Insurance Services Office, 1988
ELIGIBILITY GUIDELINES DWELLING AGE: Up to 35 years old. Exception: Older dwellings will be considered eligible if plumbing, heating, and wiring systems have been completely modernized. Evidence of modernization must be provided at the insured s elective expense. In no case should replacement cost exceed market value. VALUES: Form Minimum HO-3 $ 65,000 HO-4 $ 12,000 HO-6 $ 20,000 INSURANCE TO VALUE: 100% of the current replacement cost is required. DWELLING LOCATION: Dwellings located in Protection Class 2-7 are eligible. Also, dwellings located in Protection Class 8, 9 or 10 may be considered if the property qualifies for the suburban rating endorsement (form 189C). Dwelling located in designated brush areas may be considered for DIC only. Note: Please refer to zip code list on page iii for possible brush hazard areas. COVERAGE FORMS: HO-3, HO-4 and HO-6 are eligible. SECONDARY OR SEASONAL DWELLINGS: Secondary dwellings may be considered when the primary dwelling is insured with Tokio Marine. Values should not exceed 50% of the primary location. Effective January 1, 2002 i The Tokio Marine and Fire Insurance Company
ELIGIBILITY GUIDELINES PERSONAL ARTICLES FLOATER SCHEDULES: Maximum values per item - $5,000. (Exception: maximum per man s jewelry item is $2,500.) Maximum total schedule - $25,000. Higher amounts for individual items and/or total schedules may be considered if submitted unbound. Appraisals or bills of sale (both less than 1 year old) must be provided for all items valued at over $1,000. For items less than $1,000 a complete description must be provided, and valuation must be substantiated (e.g., catalogues). Information on safeguards should be provided for all submissions. MAINTENANCE: Dwellings and premises should be well maintained and free from unusual hazards. LOSSES: 1. No more than 1 loss in the last 3 years. 2. No on premises theft losses in the last 3 years. EARTHQUAKE ELIGIBILITY GUIDELINES: 1. Earthquake coverage cannot be endorsed onto an existing policy during an earthquake episode or for 10 days after said episode if the earthquake had a magnitude of 5.0 or greater. The affected area will be the county where the epicenter was located and the counties that immediately border it. 2. No coverage may be written during and for 10 days following an earthquake episode with a magnitude of 5.0 or greater. The affected area is defined as the county where the earthquake epicenter was located and the counties that immediately border it. Effective January 1, 2002 ii The Tokio Marine and Fire Insurance Company
ELIGIBILITY GUIDELINES BRUSH ELIGIBILITY GUIDELINES: 1. Closest flammable native growth at any point must be more than 500 feet away. If the risk is on a 30 or greater slope, it must be more than 1,000 feet away. 2. Dwelling must not have wood shingle or shake roof, or be located on a dead-end street if in an area exposed to native growth. 3. Access streets to the risk must be wide enough to permit emergency vehicles to pass with cars parked on both sides of the street. 4. The closest fire department must be within 3 miles and the closest hydrant must be within 500 feet. 5. There can be no prior brush fire/smoke damage. Prior approval from TMM-LA will be needed for all risks located in the following zip codes lists: BRUSH ZIP CODES Los Angeles Co. 90024 91006 91206 91324 91504 90027 91010 91207 91342 91604 90046 91016 91208 91344 91702 90049 91020 91214 91350 91711 90068 91024 91301 91352 91740 90069 91040 91302 91356 91745 90210 91042 91304 91364 91750 90265 91102 91307 91403 91765 90272 91103 91311 91423 91768 90290 91107 91316 91436 91773 90732 91201 91321 91501 91789 91001 91202 Ventura Co. San Bernardino Co. San Diego Co. 90265 91701 92335 92003 92077 91320 91710 92341 92020 92079 91360 91711 92352 92021 92110 91361 91739 92358 92025 92111 93001 91786 92376 92026 92119 93003 92314 92378 92027 92120 93015 92315 92382 92028 92122 93021 92317 92385 92035 92123 93022 92321 92386 92037 92124 93023 92322 92397 92040 92125 93040 92325 92405 92041 92127 93060 92333 92407 92064 92128 93063 92067 92129 93064 92069 92131 93065 92071 92137 Orange Co. Riverside Co. Santa Barbara Co. 90631 92675 92330 93013 92621 92677 92349 93018 92630 92686 92362 93067 92651 92705 92380 93105 92667 92709 92381 93110 92669 92807 92390 93130 92672 Effective January 1, 1986 New iii The Tokio Marine and Fire Insurance Company Effective February 1, 1986 Renewal
RULE NUMBERS AND SUBJECTS GENERAL RULES 1. BASIC LIMITS 2. ELIGIBILITY 3. MANDATORY COVERAGE 4. PERMITTED INCIDENTAL OCCUPANCIES 5. DEDUCTIBLES 6. OPTIONAL COVERAGE 7. SECONDARY RESIDENCE PREMISES 8. MULTIPLE COMPANY INSURANCE 9. CHANGE ENDORSEMENT 10. POLICY PERIOD 11. RENEWAL PLAN 12. OTHER INSURANCE 13. CANCELLATION OR REDUCTIONS IN LIMITS OF LIABILITY OR COVERAGE 14. MANUAL PREMIUM REVISION 15. TRANSFER OR ASSIGNMENT 16. RESTRICTION OF INDIVIDUAL POLICIES 17. CONSTRUCTION DEFINITIONS 18. SEASONAL DWELLING DEFINITION 19. SINGLE BUILDING DEFINITION 20. DEFERRED PAYMENT PLAN 21. SPECIAL PROVISIONS ENDORSEMENT - HO-300 ADJUSTED BASE PREMIUM COMPUTATION 1. BASE PREMIUM 2. SUPERIOR CONSTRUCTION - ALL FORMS 3. TOWNHOUSE OR ROW HOUSE - ALL FORMS EXCEPT HO-4 AND HO-5 4. PERSONAL PROPERTY (COVERAGE C) - REPLACEMENT COST COVERAGE 5. INFLATION GUARD - ALL FORMS EXCEPT HO-4 AND HO-6 6. PROTECTIVE DEVICES - ALL FORMS 7. DEDUCTIBLES 8. AGE OF DWELLING - BASE PREMIUM MODIFICATION 9. BRUSH AREA SURCHARGE 10. DIC (DIFFERENCE IN CONDITION) OPTIONAL COVERAGE (SECTION I) 1. BUILDING ADDITIONS AND ALTERATIONS AT OTHER RESIDENCES 2. BUILDING ADDITIONS AND ALTERATIONS INCREASED LIMIT 3. CREDIT CARD, FUND TRANSFER CARD, FORGERY AND COUNTERFEIT MONEY 4. EARTHQUAKE COVERAGE 5. LOSS ASSESSMENT COVERAGE - ALL FORMS 6. LOSS OF USE - INCREASED LIMIT 7. OFFICE, PROFESSIONAL, PRIVATE SCHOOL OR STUDIO USE 8. OTHER STRUCTURES 9. PERSONAL PROPERTY 10. RENTAL TO OTHERS - THEFT COVERAGE 11. BUSINESS PROPERTY 12. LANDLORD'S FURNISHINGS - ALL FORMS 13. HO-6 CONDOMINIUM UNIT REGULARLY RENTED TO OTHERS 14. SCHEDULED PERSONAL PROPERTY 15. ADDITIONAL EARTHQUAKE COVERAGE 16. HAZARD REDUCTION DISCOUNT (RETROFITTING) 17. ORDINANCE OR LAW COVERAGE 18. COVERAGE ENHANCEMENT - FOR USE WITH HO-3 ONLY Effective January 1, 1986 New a The Tokio Marine and Fire Insurance Company Effective February 1, 1986 Renewal
RULE NUMBERS AND SUBJECTS COVERAGES (SECTION II) 1. RESIDENCE PREMISES - BASIC AND INCREASED LIMITS 2. OTHER EXPOSURES OTHER RATING PROVISIONS 1. WAIVER OF PREMIUM 2. WHOLE DOLLAR PREMIUM RULE 3. SECONDARY RESIDENCE PREMISES 4. MANDATORY WORKERS COMPENSATION AND EMPLOYERS LIABILITY COVERAGE - PRIVATE RESIDENCE EMPLOYEES 5. THE FOLLOWING RULE APPLIES TO ALL COVERAGES TERRITORIES EARTHQUAKE TERRITORIES PREMIUM CHARTS 1. PREMIUM GROUP CHART 2. BASIC ANNUAL PREMIUM CHART - HO-3 3. BASIC PREMIUM CHART - HO-4 AND HO-6 Effective January 1, 1986 New b The Tokio Marine and Fire Insurance Company Effective February 1, 1986 Renewal
INDEX RULE A PAGE 15. ADDITIONAL EARTHQUAKE COVERAGE.. 14 ADDITIONAL INSURED LOCATIONS 2.A.2. Liability. 16 2.C.2. Medical Payments - Increased Limits 19 1., 2. ADDITIONS AND ALTERATIONS.. 9 ADJUSTED BASE PREMIUM 6-8 COMPUTATION 8. AGE OF DWELLING - PREMIUM MODIFICATION. 8 15. ASSIGNMENT 4 B 7.A. BASE DEDUCTIBLE. 7 BASE PREMIUM CHARTS 2. HO-3. 31,32 3. HO-4 AND HO-6. 33,34 1. BASIC LIMITS. 1 9. BRUSH AREA SURCHARGE.. 8 BUILDING ADDITIONS AND ALTERATIONS 1. At Other Residences. 9 2. Increased Limits. 9 2. BUILDING ITEMS.. 9 11. BUSINESS 12 PROPERTY BUSINESS PURSUITS 2.A.4. Liability. 17 2.C.4. Medical Payments - Increased Limits. 19 C 14.H CAMERAS - SCHEDULED.. 14 13. CANCELLATION 4 9. CHANGE ENDORSEMENT. 3 14.G COIN COLLECTIONS - SCHEDULED... 14 CONDOMINIUMS 2.B. Building Items. 9 13. Rented to Others 13 Base Rates.. 33,34 17. CONSTRUCTION DEFINITIONS 4 3. COUNTERFEIT MONEY 9 COVERAGE... 18. COVERAGE ENHANCEMENT - HO-3... 15 3. CREDIT CARD COVERAGE 9 D DEDUCTIBLES 7.A. Base. 7 7.C. Fixed Dollar Amount.. 7 7.B. Theft. 7 20. DEFERRED PAYMENT PLAN. 5 DEFINITIONS 17. Construction 4 18. Seasonal Dwelling. 5 19. Single Building 5 10. DIC (DIFFERENCE IN CONDITIONS)... 8 Effective January 1, 1986 New c The Tokio Marine and Fire Insurance Company Effective February 1, 1986 Renewal
INDEX RULE E PAGE 4. EARTHQUAKE 10 COVERAGE EARTHQUAKE TERRITORIES... 22-29 2. ELIGIBILITY 1,2 EMPLOYEES, RESIDENCE 2.A.3. Liability. 17 2.C.3. Medical Payments - Increased Limits. 19 F FARMING, INCIDENTAL 2.A.5. Liability. 17 2.C.5. Medical Payments - Increased Limits. 19 9.D.4. FIREARMS - INCREASED LIMITS. 12 7.C. FIXED DOLLAR AMOUNT DEDUCTIBLE. 7 3. FORGERY COVERAGE... 9 3. FUND TRANSFER CARD COVERAGE. 9 FURS 9.D.1. Increased Limits. 12 14.B. Scheduled 14 G GENERAL RULES. 1-5 14.C. GOLFER S EQUIPMENT - 14 SCHEDULED.. H 16. HAZARD REDUCTION DISCOUNT (RETROFITTING).. 15 I INCIDENTAL FARMING 2.A.5. Liability. 17 2.C.5. Increased Limits. 19 INCIDENTAL OCCUPANCIES 4. General Rules. 3 2.A.6. Liability. 17 2.C.6. Medical Payments - Increased Limits. 19 5. INFLATION GUARD.. 6 J JEWELRY 9.D.1. Increased Limits. 12 14.D. In Vaults... 14 14.D. Scheduled 14 L 12. LANDLORD S FURNISHINGS. 12 LIABILITY (SECTION II) COVERAGE 2.B. Increased Limits - Other Exposures 18 2.A. Other Exposures.... 16-18 1. Residence Premises. 16 5. LOSS ASSESSMENT COVERAGE 11 6. LOSS OF USE - INCREASED LIMIT.. 11 Effective January 1, 1986 New d The Tokio Marine and Fire Insurance Company Effective February 1, 1986 Renewal
INDEX RULE M PAGE 3. MANDATORY 2 COVERAGES... 14. MANUAL PREMIUM REVISION.. 4 MEDICAL PAYMENTS - INCREASED LIMITS 2.C. Other Exposures.. 19 1.B. Residence Premises. 16 8. MULTIPLE COMPANY INSURANCE. 3 14.E MUSICAL INSTRUMENTS - SCHEDULED.. 14 O OFFICE, PROFESSIONAL, PRIVATE SCHOOL OR STUDIO USE 2.A.6. Liability. 17 2.C.6. Medical Payments - Increased Limits. 19 OPTIONAL COVERAGES 9-15 17. ORDINANCE OR LAW COVERAGE.. 15 12. OTHER INSURANCE 4 OTHER STRUCTURES 8.A. Increased Limits. 11 8.B. With Permitted Incidental Occupancies. 11 8.C. Rented to Others.... 11 OUTBOARD MOTORS 2.A.7. Liability. 17 2.C.7. Medical Payments - Increased Limits. 19 P PERMITTED INCIDENTAL OCCUPANCIES 2.A.6. Liability. 17 2.A.6. Medical Payments - Increased Limits. 19 2.A.9. PERSONAL INJURY. 18 PERSONAL PROPERTY 9.A. Increased Limit... 12 9.B. Increased Limits - Other Residences. 12 9.D. Increased Special Limits... 12 9.C. Reduction in Limit.. 12 4. Replacement Cost Coverage... 6 14. Scheduled 13, 14 1. PREMIUM GROUP CHARTS.. 30 10. POLICY PERIOD 3 5. PROP. 103.. 20 6. PROTECTIVE DEVICES.. 7 R 13. REDUCTIONS IN LIMITS OF LIABILITY OR COVERAGE 4 11. RENEWAL PLAN... 3 10. RENTAL TO OTHERS - THEFT COVERAGE.. 12 3. REPLACEMENT COST - PERSONAL PROPERTY 6 RESIDENCE EMPLOYEES 2.A.3. Liability. 17 2.C.3. Medical Payments - Increased Limits. 19 16. RESTRICTION OF INDIVIDUAL 4 POLICIES.. 3. ROW HOUSE. 6 Effective January 1, 1986 New e The Tokio Marine and Fire Insurance Company Effective February 1, 1986 Renewal
INDEX RULE S PAGE 14. SCHEDULED PERSONAL PROPERTY 13,14 18. SEASONAL DWELLING DEFINITION... 5 3. SECONDARY RESIDENCE PREMISES... 20 SECTION II COVERAGES... 16-19 SILVERWARE 9.D.3. Increased Limits. 12 14.F Scheduled 14 19. SINGLE BUILDING DEFINITION 5 21. SPECIAL PROVISIONS ENDORSEMENT 5 14.G. STAMP COLLECTIONS - 14 SCHEDULED 2. SUPERIOR CONSTRUCTION. 6 T TERRITORIES 21 10. THEFT COVERAGE - RENTAL TO OTHERS.. 12 THREE OR FOUR FAMILY DWELLING 2.A.1. Liability. 16 2.C.1. Medical Payments - Increased Limits. 19 7.B. THEFT 7 DEDUCTIBLE 3. TOWNHOUSE 6 15. TRANSFER OR ASSIGNMENT.. 4 V 1. VARIATIONS IN BASIC LIMITS.. 1 W 1. WAIVER OF PREMIUM 20 WATERCRAFT 2.A.7. Liability. 17 2.C.7. Medical Payments - Increased Limits. 19 2. WHOLE DOLLAR PREMIUM RULE... 20 4. WORKERS COMPENSATION COVERAGE. 20 Effective January 1, 1986 New f The Tokio Marine and Fire Insurance Company Effective February 1, 1986 Renewal
GENERAL RULES 1. BASIC LIMITS 1 & 2-FAMILY DWELLINGS FORMS COVERAGE BASIC LIMIT HO-3 SPCL FORM BLDG BRD FORM CONT HO-4 TENANTS FORM HO-6 CONDO FORM SECTION I SECTION I SECTION I A. - Dwelling $65,000 B. - Other Structures 10% of A C. - Pers Prop - Worldwide 50% of A Personal Property in Other Residences 10% of C with $1,000 min D. - Loss of use 20% of A C. - Pers Prop - Worldwide $12,000 Personal Property in Other Residences 10% of C with $1,000 min Building Additions & Alterations 10% of C D. - Loss of Use 20% of C C. - Pers Prop - Worldwide $20,000 Personal Property in 10% of C with Other Residence $1,000 min Unit-Owners Building Items $1,000 D. - Loss of Use 40% of C ALL FORMS SECTION II E. - Comp Psnl Liab (BI & PD) $100,000 F. - Medical Payments 1,000 G. - Phys Damage to Property 500 VARIATIONS IN BASIC LIMITS (HO-3 ONLY) Replacement Cost Contents - Coverage C is increased to 70% of Coverage A at no additional premium when this option is elected. 2. ELIGIBILITY A. HO-3 - A Homeowners Policy may be issued: 1. to the owner-occupant(s) of a dwelling which is used exclusively for private residential purposes (except as provided in General Rule 2.F.) and contains not more than 2 families and with not more than 1 boarder or roomer per family; or 2. to the purchaser-occupant(s) who has entered into a long-term installment contract for the purchase of the dwelling and who occupies the dwelling but to whom title does not pass from the seller until all the terms of the installment contract have been satisfied. The seller retains title until completion of the payments and in no way acts as a mortgagee. The seller s interest in the building and premises liability may be covered using Endorsement HO-41 - Additional Insured; or 3. to cover dwellings in course of construction provided the policy is issued only in the name of the intended owneroccupant(s) of the dwelling. Effective January 1, 1986 New 1 The Tokio Marine and Fire Insurance Company Effective February 1, 1986 Renewal
GENERAL RULES B. FORM HO-4 - A Homeowners Policy may be issued only to: 1. the tenant(s) (non-owner) of a dwelling or an apartment situated in any building; or 2. the owner-occupant(s) of a dwelling, cooperative unit or of a building containing an apartment not otherwise eligible for a Homeowners Policy under General Rule 2.A. above. provided the residence premises occupied by the insured is used exclusively for residential purposes (except as provided in General Rule 2.F.) and is not occupied by more than one additional family or more than 1 boarder or roomer. C. When a 2-family dwelling is occupied by co-owners, each occupying distinct living quarters with separate entrances, a Homeowners Policy providing building coverage may be issued to only one of the co-owner occupants of the dwelling. The policy may be endorsed to cover the interest of the other co-owner(s) in the building and for premises liability. A separate Homeowners Policy Form HO-4 may be issued to co-owners occupying the other apartment in the dwelling. It is permissible to extend the Homeowners Policy, without additional premium charge, to cover the interest of a nonoccupant joint owner in the building and for premises liability. Use Endorsement HO-41 - Additional Insured D. FORM HO-6 - A Homeowners Policy may be issued to the owner of a condominium unit which is used exclusively for residential purposes (except as provided in General Rule 2.F.) and is not occupied by more than one additional family or more than 1 boarder or roomer. E. Subject to all other sections of this rule, a Homeowners Policy may be issued to cover a seasonal dwelling. F. Incidental office, professional, private school and studio occupancies are permitted provided; 1. the premises is occupied principally for dwelling purposes; and 2. there is no other business conducted on the premises G. A Homeowners Policy shall not be issued covering any property to which farm forms or rates apply under the rules of the Company. In no event shall a policy be issued to cover any property situated on premises used for farming purposes. Optional Section II liability coverage is available for certain farm liability exposures as specified in the Premium Section of this manual. H. A Homeowners Policy shall not be issued to cover any mobile home, trailer home, or house trailer. 3. MANDATORY COVERAGE A. It is mandatory that insurance be written for all coverages provided under both Sections I and II of the Homeowners Policy. B. Section II of the policy requires coverage for the following exposures. When such exposures exist, refer to the Premium Section of this manual. 1. All additional premises where the named insured or spouse maintain a residence other than business or farm properties; 2. All residence employees of the named insured or spouse not covered or not required to be covered by workers compensation insurance; and 3. Incidental office, professional, private school or studio occupancies by the insured on residential premises of the named insured. Effective January 1, 1986 New 2 The Tokio Marine and Fire Insurance Company Effective February 1, 1986 Renewal
GENERAL RULES 4. PERMITTED INCIDENTAL OCCUPANCIES When the insured maintains an incidental office, professional, private school or studio occupancy in the dwelling or in separate structure on the premises, as permitted in General Rule 2.F., refer to the Premium Section of this manual for policy writing instructions. 5. DEDUCTIBLES Deductible options are shown in the Premium Section of this manual. 6. OPTIONAL COVERAGES For optional Section I and II Coverages, refer to the Premium Section of this manual. 7. SECONDARY RESIDENCE PREMISES Homeowners Coverage on a secondary residence premises shall be provided under a separate policy. The rules of this manual apply except that Section II Coverage is not mandatory for the secondary residence policy when: a. we insure the initial and secondary residence; and b. the policy number of the initial residence is indicated on the policy covering the secondary residence. 8. MULTIPLE COMPANY INSURANCE Refer to Company. 9. CHANGE ENDORSEMENT Endorsement HO-45, Change Endorsement, provides the minimum information requirements for any endorsement or change that takes place during the term of the policy. This endorsement must be used or the equivalent information provided. Copies of endorsements used must accompany this endorsement or its equivalent. 10. POLICY PERIOD The Homeowners Policy may be written for a period of one year and may be extended for successive policy periods by extension certificate based upon the premiums, forms and endorsements then in effect for the Company. For maintaining common anniversary dates, a Homeowners Policy may be written for a period of less than one year on a pro rata basis. 11. RENEWAL PLAN A. A Homeowners Policy may be written under the Renewal Plan for a term of twelve months. The policy may be continued for successive term. The Homeowners Renewal Plan requires the use of: 1. the Homeowners Policy with HO-52, Renewal Plan Endorsement, attached; or 2. a special Homeowners Renewal Policy B. The continuation premium shall be based upon the premiums in effect on renewal date. The then current editions of the applicable forms and endorsements must be made a part of the policy. Additional premiums for policy changes occurring during the current policy terms shall be computed pro rata of the annual premium. C. Renewal Eligibility Guidelines* 1. 1 or more bodily injury liability losses over $20,000 within the past 3 years. 2. 1 or more losses involving an animal in the insured s care custody or control within the past 3 years. 3. 2 or more losses resulting from lack of maintenance of the premises where the hazard has not been corrected. 4. 2 or more, on or off premises theft or burglary losses within the past 3 years. 5. Vacant or unoccupied buildings. *Note: Any exceptions to the Renewal Eligibility Guidelines will require sign off and documentation by the Underwriting Manager. Effective January 1, 2002 3 The Tokio Marine and Fire Insurance Company
GENERAL RULES Effective January 1, 2002 3 The Tokio Marine and Fire Insurance Company
GENERAL RULES 12. OTHER INSURANCE Credit for existing insurance other than Multiple Company Insurance under General Rule 8. is not permitted. 13. CANCELLATION OR REDUCTIONS IN LIMITS OF LIABILITY OR COVERAGES It shall not be 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, the earned premium shall be computed on a pro rata basis. 14. 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, and except with respect to policies written subject to the Deferred Premium Payment Plan, the current forms and endorsements must apply to all items of the policy to which the premium revision applies. 15. 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: A. transfer to another location within the same state; or B. assignment from one insured to another in the event of transfer of title of the dwelling. 16. RESTRICTION OF INDIVIDUAL POLICIES If a Homeowners Policy would not be issued because of unusual circumstances or exposures, the named insured may request a restriction of the policy provided no reduction in the premium is allowed. Such requests shall be referred to the Company. 17. CONSTRUCTION DEFINITIONS A. Frame - exterior wall of wood or other combustible construction, including wood-iron clad, stucco on wood or plaster on combustible supports. B. 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). C. Superior Construction 1. Non-Combustible - exterior walls and floors and roof constructed of, and supported by metal, asbestos, gypsum, or other non-combustible materials. 2. Masonry Non-Combustible - exterior walls constructed of masonry materials (as decried in B. above) and floors and roof of metal or other non-combustible materials. 3. Fire Resistive - exterior walls and floors and roof constructed of masonry or other fire resistive materials. 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. Effective January 1, 1986 New 4 The Tokio Marine and Fire Insurance Company Effective February 1, 1986 Renewal
GENERAL RULES 18. SEASONAL DWELLING DEFINITION A seasonal dwelling is a dwelling with continuous unoccupancy of three or more consecutive months during any one-year period. 19. SINGLE BUILDING DEFINITION All building or sections of buildings, which communicate through unprotected openings, shall be considered as a single building. Buildings, which are separated by space, shall 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, shall be considered separate buildings. Communication between buildings with independent walls or through masonry party walls described above shall be protected by at least a Class A Fire Door installed in a masonry wall section. 20. DEFERRED PAYMENT PLAN Available for all forms except HO-4 in semiannual or quarterly installments. A $2 service charge for each payment applies. 21. SPECIAL PROVISIONS ENDORSEMENT - HO-300 Use with all Homeowners Policies. Effective January 1, 1986 New 5 The Tokio Marine and Fire Insurance Company Effective February 1, 1986 Renewal
ADJUSTED BASE PREMIUM COMPUTATION 1. BASE PREMIUM From the Basic Annual Premium Chart, select the Base Premium for the Coverage Amount, Basic Premium Group and Form that applies. 2. SUPERIOR CONSTRUCTION - ALL FORMS The premium for an eligible dwelling of superior construction is computed by multiplying the masonry BASE PREMIUM for a comparable dwelling or apartment unit by a factor of.85. Refer to the Construction Definitions on page 4 for details. 3. TOWNHOUSE OR ROW HOUSE - ALL FORMS EXCEPT HO-4 AND 6 The premium for an eligible 1 or 2-family dwelling in a town or row house structure is computed by multiplying the BASE PREMIUM by the appropriate factor below. Total No. of Individual Family Units Within The Protection Class Fire Division * 1-8 9 & Over 1 & 2 1.00 1.00 3 & 4 1.10 1.15 5-8 1.25 1.30 9 & Over Refer to Company An eligible two-family, owner-occupied dwelling attached to a one-family dwelling but not separated by a firewall would be considered 3 individual family units within a fire division. Four 2-family dwellings not separated by a firewall would be considered 8 individual family units. 4. PERSONAL PROPERTY (COVERAGE C) - REPLACEMENT COST COVERAGE To extend the limit of liability for Coverage C to include Replacement Cost Coverage, the premium shall be developed by applying the following factors to the BASE PREMIUM including any premium adjustment for Coverage C limits (Note: When Replacement Cost Coverage applies, the Coverage C limit is automatically increased to 70% of the Coverage A limit.) HO-3 1.10 HO-6 1.25 HO-4 1.35 Use Endorsement HO-290 5. INFLATION GUARD - ALL FORMS EXCEPT HO-4 AND 6 A. Provides automatic annual increases of the Section I Limits of Liability. Use Endorsement and apply a factor to the BASE PREMIUM as follows: Endorsement Amount of Annual Increase Factor HO-184 4% 1.02 HO-241 6% 1.03 HO-242 8% 1.04 HO-243 Each Add l 4% over 8% - Add.02 B. The additional premium for policy changes occurring during the current policy term shall be computed pro rata of the annual premium. Use Endorsement HO-243 Effective January 1, 2002 6 The Tokio Marine and Fire Insurance Company
ADJUSTED BASE PREMIUM COMPUTATION 6. PROTECTIVE DEVICES - ALL FORMS Approved and properly maintained installations of burglar alarms, fire alarms and automatic sprinklers in the dwelling may be recognized for a premium credit - developed by applying the selected factors to the BASE PREMIUM. Type of Installation* Factor a) Central Station Reporting Burglar alarm.95 b) Central Station Reporting Fire Alarm.95 c) Both of the above.85 d) Police Station Reporting Burglar Alarm.97 e) Fire Department Reporting Fire Alarm.97 f) Local Burglar and/or Fire Alarm.98 g) Automatic Sprinklers in all areas, including attics, bathrooms, closets, attached structures.87 h) Automatic Sprinklers in all areas except attic, bathroom, closet and attached structure areas that are protected by a fire detector.92 Refer to Company for eligibility, types of systems and devices, installation, and available credits. Maximum credit - 25%. Use Endorsement HO-216 - Premises Alarm or Fire Protection System 7. DEDUCTIBLES All Homeowners Policies are subject to a deductible applicable to loss from all Section I perils covered under the policy on an occurrence basis. Enter the deductible amount selected in the Deductible Declaration of the policy. When a separate deductible amount applies to a certain peril, such as windstorm or theft, also enter that deductible amount and peril in the Deductible Declaration of the policy. A. Base Deductible HO-3, HO-6 (owner-occupied) - $100 HO-4, HO-6 (tenant-occupied) - $250 B. $250 Theft Deductible - HO-3, HO-6 (owner-occupied) This option applies to Coverage C property and is available only when the $100 deductible is selected. To develop the premium, multiply the BASE PREMIUM by a factor of.98 for HO-3 or.95 for HO-6. C. Fixed Dollar Amount Deductibles - All Forms The premium for this provision shall be developed by applying the factors listed below to the BASE PREMIUM. HO-3 Ded Amt Factor $ 250.90 $ 500.80 $1,000.70 HO-4 and HO-6 Ded Amt Factor $ 250 (HO-6 only).90 $ 500.80 $1,000.70 Effective January 1, 2003 7 The Tokio Marine and Fire Insurance Company
ADJUSTED BASE PREMIUM COMPUTATION 8. AGE OF DWELLING - BASE PREMIUM MODIFICATION Age Deviation 0-5 yrs -20% 6 yrs -18 % 7 yrs -16% 8 yrs -14% 9 yrs -12% 10 yrs -10% 11 yrs -8% 12 yrs -6% 13 yrs -4% 14 yrs -2% 9. BRUSH AREA SURCHARGE If a policy is written in a Bureau-designated Brush Hazard Area, the base premium will be subject to a 20% surcharge in addition to applicable Bureau surcharges. 10. DIC (DIFFERENCE IN CONDITIONS) A credit of 30% will be applicable when this form is written. Effective June 1, 1988 New 8 The Tokio Marine and Fire Insurance Company Effective July 1, 1988 Renewal
OPTIONAL COVERAGE (SECTION I) 1. BUILDING ADDITIONS AND ALTERATIONS AT OTHER RESIDENCES All Forms - When the policy is extended to provide this coverage at residences other than the residence premises, rented to an insured, the premium per $1,000 of insurance shall be developed as follows: Apply the applicable premium under Add for each Additional $1,000 column in the basic premium chart for Form HO-4 and HO-6. Use Endorsement HO-49 - Building Additions and Alterations at Other Residence 2. BUILDING ADDITIONS AND ALTERATIONS INCREASED LIMIT A. HO-4 - When the limit of liability of 10% of Coverage C is increased, the premium number $1,000 of insurance shall be developed in the same manner as 1 above. Use Endorsement HO-51 - Building Additions and Alterations, Increase Limits B. HO-6 - Condominium Unit Not Regularly Rented to Others* 1. Basic Coverage - The form automatically provides $1,000 coverage at no additional premium charge. When this limit is increased, the premium for each additional $1,000 of insurance shall be developed as follows: Apply.80 of the applicable premium under Add for each Additional $1,000 column in the basic premium chart for Form HO-4 and HO-6. 2. Special Coverage - The form does not include coverage for all risks of physical loss. When all risks coverage is purchased, the additional premium is developed as follows: a. $1,000 limit in HO-32 - $2 per policy. Use Endorsement HO-32 - Unit Owners Building Items, Special Coverage b. Each Add l $1,000 - add $1 per $1,000 of insurance to the applicable premium under Add for each Additional $1,000 column in the basic premium chart for Form HO-4 and HO-6. Use Endorsement HO-32 when increasing limits of liability and extending coverage to an all risks basis. Refer to Rule 13 if unit is regularly rented. 3. CREDIT CARD, FUND TRANSFER CARD, FORGERY AND COUNTERFEIT MONEY When the limit of liability afforded under the policy is increased, the additional premium shall be developed as follows: New Limit of Liability Premium $ 1,000 (Incl) 2,500 $3 5,000 4 7,500 5 10,000 6 Use Endorsement HO-53 - Credit Card, Fund Transfer Card, Forgery and Counterfeit Money Coverage, Increased Limits Effective June 1, 1988 New 9 The Tokio Marine and Fire Insurance Company Effective July 1, 1988 Renewal
OPTIONAL COVERAGE (SECTION I) 4. EARTHQUAKE COVERAGE A. Dwelling Forms Attach IL9 01 001 Step 1- Determine the territory ZIP code. Step 2- Multiply the selected amount of insurance per thousand by the rate shown in Table 1. Step 3- Determine the Age Relativity and Construction Relativity from Table 3 and Table 4 and apply these factors to the premium developed in Step 2. Step 4- Multiply the premium developed in Step 3 by 0.80. B. Tenants and Condominiums Attach IL9 01 002 for Tenants; IL9 01 003 for Condominiums Step 1- Determine the territory by ZIP code. Step 2- Determine the premium per policy from Table 2. Step 3- Determine the Age Relativity and Construction Relativity from Table 3 and Table 4 and apply these factors to the premium amount developed in Step 2. Step 4- Multiply the premium developed in Step 3 by 0.80. Table 1 - Table 2 - Rates for Dwelling Forms Premiums for Tenants and Condominium Forms Territory Rate Territory Premium Per Policy 1 $11.24 1 $135.32 2 6.68 2 93.77 3 5.09 3 79.70 4 4.19 4 65.52 5 3.38 5 54.35 6 2.72 6 45.96 7 2.39 7 40.76 8 2.25 8 36.71 9 2.13 9 33.81 10 2.07 10 29.60 Table 3 - Age Relativities Year of Relativity to Post Construction 1975 >1975 0.83 1940-1975 1.00 <1940 1.21 Table 4 - Construction Relativities Type of Construction Dwelling Forms Tenants and Condominium Forms Frame 1.00 1.00 Mobile Home 0.78 1.23 Masonry 4.76 3.61 Earthquake Coverage Deductibles Dwelling Tenants Condominium Form Forms Form 15% of Coverage A $750 $750 $1,500 Loss Assessment (Condominium Only) Refer to Additional Rule Building Code Effectiveness Grading for information which may affect Earthquake rating. Effective January 1, 2002 10 The Tokio Marine and Fire Insurance Company
OPTIONAL COVERAGE (SECTION I) 5. LOSS ASSESSMENT COVERAGE - ALL FORMS When the policy is extended to cover loss assessment for which the insured may be liable, excluding Earthquake and Volcanic Eruption, the premiums listed shall apply to each location covered: Limit of Liability HO-4 or 6 HO-3 or HO-32 $ 5,000 $3 $4 $10,000 5 7 Each Add l $5,000 (Up to $50,000) 1 2 No more than 2 locations can be written in addition to the residence premises. Use Endorsement HO-35 - Loss Assessment Coverage (all forms) 6. LOSS OF USE - INCREASED LIMIT HO-3 - When the limit of liability for Coverage D is increased, the premium shall be $2 per $1,000 of insurance. HO-4 or HO-6 - When the limit of liability for Coverage D is increased, the premium per $1,000 of insurance shall be $4. 7. OFFICE, PROFESSIONAL, PRIVATE SCHOOL OR STUDIO USE A. When the policy is extended to cover a permitted incidental occupancy in the dwelling or in a separate structure on the residence premises and the building is not physically altered for the occupancy, the additional premium shall be $10. Use Endorsement HO-42 - Office, Professional, Private School or Studio Use B. When the permitted incidental occupancy is on an additional residential premises occupied by the insured, the additional premium shall be $15. 8. OTHER STRUCTURES When insurance is written on a specific structure: for increased limits occupied by the insured as a permitted incidental occupancy, or rented to other for dwelling purposes, the rates per $1,000 of insurance, noted below, shall apply separately to each structure on the same premises. A. Increased Limits $2 per $1,000 of insurance Use Endorsement HO-48 - Other Structures B. Occupied by the Insured with a Permitted Incidental Occupancy Use sum of (1) $3 per $1,000 of insurance, (2) the premium for increased Coverage C limits and (3) the charge for the liability exposure. Use Endorsement HO-42 - Office, Professional, Private School or Studio Use C. Rented to Other - Dwelling Purposes Use sum of (1) $3 per $1,000 of insurance, and (2) the charge for the liability exposure, Additional Insured Location - Rented to Others. Use Endorsement HO-40 - Structures Rented to Others Effective June 1, 1988 New 11 The Tokio Marine and Fire Insurance Company Effective July 1, 1988 Renewal
OPTIONAL COVERAGE (SECTION I) 9. PERSONAL PROPERTY A. Increased Limit When the limit of liability for Coverage C is increased, the additional premium per $1,000 of insurance shall be $2. (Does not apply to the automatic Coverage C increase for Replacement Cost on Contents Coverage.) B. Increased Limits - Other Residences When the limit of liability of 10% of Coverage C at other residences is increased, the additional premium shall be $7 per $1,000 of insurance. Use Endorsement HO-50 - Increased Limits on Personal Property in Other Residences C. Reduction in Limit The limit of liability for Coverage C may be reduced to an amount not less than 40% of the limit for Coverage A at a credit of $1 per $1,000 of insurance. Reduction in the limit of liability for Coverage C is not permitted when Endorsement HO-42 - Office, Professional, Private School or Studio Use is required. D. Increased Special Limits of Liability 1. Jewelry, Watches and Furs The special limit of liability of $2,500 for theft of jewelry, watches and furs is already included in the base price. 2. Money and Securities The special limit of $200 on money may be increased to $500. The $1,000 limit on securities may be increased to $2,000. The additional premium shall be developed as follows: Premium per $100 of Insurance Money Securities $6 $4 3. Silverware, Goldware and Pewterware The special limit of liability of $2,500 for loss by theft of silverware may be increased to a maximum of $10,000 in increments of $500. The additional premium shall be $3.25 for each $500 increase. 4. Firearms The special limit of liability of $2,000 for loss by theft of firearms may be increased to a maximum of $5,000 in increments of $100. The additional premium shall be $3 for each $100 increase. Use Endorsement HO-65 - Coverage C Increased Special Limits of Liability 10. RENTAL TO OTHERS - THEFT COVERAGE All Forms - When the policy is extended to cover 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 rental to a roomer or boarder, the additional premium shall be $15. Use Endorsement HO-80 - Residence Rental Theft 11. BUSINESS PROPERTY The policy provides $2,500 coverage for business property on the residence premises. 12. LANDLORD S FURNISHINGS - ALL FORMS The policy may be extended to provide $1,000 coverage for landlord s furnishings in each apartment rented to others on the residence premises. The additional premium shall be $15 per policy for all units plus $2 per unit. Use Endorsement HO-308 - Landlord s Furnishings Effective June 1, 1988 New 12 The Tokio Marine and Fire Insurance Company Effective July 1, 1988 Renewal
OPTIONAL COVERAGE (SECTION I) 13. HO-6 CONDOMINIUM UNIT REGULARLY RENTED TO OTHERS The policy may be extended to include coverage for personal property and/or building items. When this is done, the Coverage C limit of liability shall be the total of the personal property and/or building items covered. Theft and personal liability coverage is included when this option is deleted. The additional premium shall be.25 of the BASE PREMIUM. Use Endorsement HO-33 - Unit-Owners Rental to Others for Basic Coverage 14. SCHEDULED PERSONAL PROPERTY Use Endorsement HO-61 - Scheduled Personal Property Endorsement A. Fine Arts AMOUNT OF 1 TO 4 FAMILIES 5 OR MORE FAMILIES COVERAGE Prot Cl 1-8 Prot Cl 9-10 Prot Cl 1-8 Prot Cl 9-10 $ 1,000 or less 3 5 6 9 2,000 5 7 8 12 3,000 6 9 10 15 4,000 7 11 12 18 5,000 8 12 14 22 6,000 10 14 17 25 7,000 11 16 19 28 8,000 12 18 21 31 9,000 13 20 23 35 10,000 15 22 25 38 11,000 16 24 27 41 12,000 17 25 30 44 13,000 18 27 32 48 14,000 20 29 34 51 15,000 21 31 36 54 16,000 22 33 38 57 17,000 24 35 40 60 18,000 25 37 42 64 19,000 26 38 45 67 20,000 27 40 47 70 21,000 29 42 49 73 22,000 30 44 51 77 23,000 31 46 53 80 24,000 32 48 55 83 25,000 34 50 58 86 30,000 40 59 68 103 35,000 46 68 79 119 40,000 53 78 90 135 45,000 59 87 101 151 50,000 65 96 112 167 75,000 96 142 165 248 100,000 128 189 219 329 Premiums apply to both masonry and frame buildings. To include Special Breakage coverage, make an additional charge of $1.50 per $1,000 on the amount of these items only. Use HO-63 - Fine Arts Breakage Effective June 1, 1988 New 13 The Tokio Marine and Fire Insurance Company Effective July 1, 1988 Renewal
OPTIONAL COVERAGE (SECTION I) B. Furs: Rate per $100 Los Angeles County - $.95 San Francisco - $.60 Alameda, Contra Costa, Marin & San Mateo Cos. - $.50 Remainder of State - $.55 C. Golfer s Equipment: Rate per $100 $1.00 per year D. Jewelry: Rate per $100 Los Angeles County - $2.40 San Francisco - $1.35 Alameda, Contra Costa, Marin & San Mateo Co.- $1.45 Remainder of State - $1.85 Jewelry in Vaults - Entire State: $.30 E. Musical Instruments: Rate per $100 Individuals/Non-Professionals - $.60 F. Silverware: Rate per $100 $.50 per year G. Stamp and Coin Collections: Rate per $100 Stamp Collections - $.45 Coin Collections -$1.90 H. Cameras: Rate per $100 $1.80 per year 15. ADDITIONAL EARTHQUAKE COVERAGE A. The policy may be endorsed to provide coverage to the insured dwelling, up to the limit of liability for Coverage A - Dwelling, for: 1. The cost of structural engineering services, except as provided by public entities, to determine the habitability of the dwelling after an earthquake; and 2. The cost of demolition of the dwelling due to structural condemnation as the result of damage or loss caused by earthquake. B. The premium shall be developed by multiplying the premium under Rule 4. Personal Earthquake Coverage A by.10. Use Endorsement HO-341 Effective June 1, 1988 New 14 The Tokio Marine and Fire Insurance Company Effective July 1, 1988 Renewal
OPTIONAL COVERAGE (SECTION I) 16. HAZARD REDUCTION DISCOUNT (RETROFITTING) A. The policy may be endorsed to provide a 5% discount to the premium developed for Personal Earthquake Coverage if the following conditions apply: 1. The dwelling was built prior to 1950, and 2. The following construction requirements are met: a. The dwelling is tied to the foundation, b. Cripple walls are braced with plywood or its equivalent, c. The hot water heater is secured to the building frame. B. The discount shall be developed by multiplying the premium developed under Rule 4. Personal Earthquake Coverage by.95. 17. ORDINANCE OR LAW COVERAGE A. Insures Coverage A and B against loss resulting from ordinance or laws regulating construction, repair or demolition of the insured property. B. This optional coverage is available for a charge of 10% of the Basic Premium. Use Endorsement HO-277 18. COVERAGE ENHANCEMENT - FOR USE WITH HO-3 ONLY A. Additional coverage is available for the following Losses will be covered under Coverage A up to a maximum of 200%. Covered losses under Coverage B will be settled for the full replacement cost. A $500 limit will be available for Home Lock Replacement. Theft of Firearms will be covered by Coverage C limit. B. This optional coverage is available for a charge of 10% of Coverage A base premium. Use Endorsement HO9 04 001 - California Homeowners Coverage Enhancement Endorsement Effective September 1, 2000 15 The Tokio Marine and Fire Insurance Company
COVERAGES (SECTION II) When the limit of liability for Coverage E (Personal Liability) and Coverage F (Medical Payments to Others) is increased, or coverage for additional exposures is provided, develop the additional premium as instructed below. The same limits must apply to all exposures. Coverage E limits apply on an occurrence basis; Coverage F limits, on an each person basis. Annual premiums or rating factors are provided for: Basic limits of $100,000 Cov E and $1,000 Cov F unless otherwise indicated. Increased limits up to $1,000,000 Cov E and $5,000 Cov F. 1. RESIDENCE PREMISES - BASIC AND INCREASED LIMITS A. Coverage E - Liability Limit Premium 100,000 200,000 $ 10 300,000 20 400,000 26 500,000 30 1,000,000 45 B. Coverage F - Medical Payments Limit Premium 1,000 2,000 $ 3 3,000 6 4,000 9 5,000 12 2. OTHER EXPOSURES A. Basic Limits - The rates displayed in this rule are for $100,000 Cov E and $1,000 Cov F. If higher limits are written for residence premises, then the same limits must apply to any additional exposure. 1. Three or Four-Family Dwelling - HO-4 only Use only when owner (named insured) occupies an apartment and rents other two or three apartments. Charge for additional premises liability exposure for the portion of the residence not occupied by the owner. Base No. of Families Premium 3 $ 88 4 89 Use Endorsement HO-74 - Three or Four-Family Dwelling Premises Liability 2. Additional Insured Locations - Base Premiums No. of Families 1 2 3 4 a. Occupied by Named Insured $ 6 $ 12 $ 24 $ 26 b. Rented to Others 10 16 28 30 Use Endorsement HO-70 for Section II only Use Endorsement HO-40 for Sections I and II Coverage when rented to others Effective June 1, 1988 New 16 The Tokio Marine and Fire Insurance Company Effective July 1, 1988 Renewal
COVERAGES (SECTION II) 3. Residence Employees Does not apply in California. 4. Business Pursuits Coverage may be provided for the liability of the insured arising out of business activities. Coverage is excluded if insured owns business, is a partner or maintains financial control in the business. Classification Premium Per Person a. Clerical employees $ 4 b. Salesperson, collector or messenger - installation, demonstration or servicing Operation: Included $ 6 Excluded $ 4 c. Teachers 1. lab., athletic, manual or physical training $11 2. not otherwise classified $ 5 3. corporal punishment add to c.1. or 2 $ 4 Use Endorsement HO-71 - Business Pursuits 5. Incidental Farming Personal Liability Coverage may be provided for the liability of the insured when there is incidental farming on the premises which is not the business of the insured. Premium Residence Premises $25 Use Endorsement HO-72 - Incidental Farming Personal Liability 6. Office, Professional, Private School or Studio Use To provide coverage if insured maintains such occupancy in the dwelling or in a separate structure in accordance with General Rule 4. The premium charge below includes $1,000 medical payment for persons on premises because of permitted business occupancy. Premium a. Residence Premises $19 Use Endorsement HO-42 - Office, Professional, Private School or Studio Use (Residence Premises) b. Additional Residence Premises Occupied by Insured $18 Use Endorsement HO-43 - Office, Professional, Private School or Studio Use (Other Residence) 7. Outboard Motors and Watercraft a. Outboard Motors - For rating purposes, total horsepower shall be accumulated if two or more outboard motors are regularly used together with any single watercraft owned by insured. Horsepower Premium Over 25 - Under 50 (Incl) 50 and Over $16 Effective June 1, 1988 New 17 The Tokio Marine and Fire Insurance Company Effective July 1, 1988 Renewal
COVERAGES (SECTION II) b. Inboard or Inboard Outdrive Motorboats; Sailboats, 26 feet or more, with auxiliary power Length Speed (miles per hour) (in feet) Under 16 16 to 30 Over 30 Under 26 $18 $ 36 $ 89 26 to 40 $46 $ 72 $134 Over 40 $89 $134 c. Sailboats without auxiliary power 26 to 40 feet $36 Over 40 Feet Not Eligible Use Endorsement HO-75 - Watercraft 8. Owned Snowmobile Apply premium charge separately to each snowmobile owned by the named insured or any other insured. This charge is the minimum annual premium for each snowmobile for any period within a policy year. Each Snowmobile $46 Use Endorsement HO-164 - Snowmobile 9. Personal Injury Coverage for Personal Injury to others, such as false arrest, libel or invasion of privacy is included in the Homeowners Policy. See Endorsement HO-82 Personal Injury B. Increased Limits: Coverage E - Liability Apply the factor shown below to the basic limits premium for each exposure selected. Limit Factor 200,000 1.17 300,000 1.33 400,000 1.43 500,000 1.49 1,000,000 2.26 Effective January 1, 2002 18 The Tokio Marine and Fire Insurance Company
COVERAGES (SECTION II) C. Increased Limits: Coverage F Medical Payments $2,000 $3,000 $4,000 $5,000 1. 3 and 4-Family Dwelling No Additional Charge 2. Add l Insured Location Occupied by Named Insured or Rented to Others 1-Family 1 2 3 4 2-Family 1 2 3 4 3. Residence Employees Does not apply in California 4. Business Pursuits a. Clerical employees 1 2 3 4 b. Salesperson, etc. installation, etc.- Included or Excluded 1 2 3 4 c. Teachers - 1. lab, etc. 2 4 6 7 2. NOC 1 2 3 4 3. Corporal Punishment Medical Payments Not Available 5. Incidental Farming 1 2 3 4 6. Office, Professional, Private School, or Studio Use a. Residence Premises* 5 10 15 19 b. Add l Residence Premises Occ by Insured 3 6 9 11 Includes medical payment for persons on premises because of permitted business occupancy 7. Outboard Motors and Watercraft a. Outboard Motors Over 25 HP Under 50 HP 1 2 3 4 50 HP and Over 2 4 6 7 b. Inboard or Inboard-Outdrive Motorboats; Sailboats, 26 feet or more, with auxiliary power Less than 26 feet under 16 mph 2 4 6 7 16-30 mph 3 6 9 11 Over 30 mph 8 16 24 28 26 to 40 feet under 16 mph 4 8 12 14 16-30 mph 6 12 18 21 Over 30 mph 12 24 36 42 Over 40 feet under 16 mph 8 16 24 28 16-30 mph 12 24 36 42 Over 30 mph Refer to Company c. Sailboats without auxiliary power 26 to 40 feet 3 6 9 11 Over 40 feet Refer to Company 8. Owned Snowmobile 1 2 3 4 Effective June 1, 1988 New 19 The Tokio Marine and Fire Insurance Company Effective July 1, 1988 Renewal
OTHER RATING PROVISIONS 1. WAIVER OF PREMIUM When a policy is endorsed subsequent to the inception data, any additional or return premium of $3.00 or less may be waived. 2. WHOLE DOLLAR PREMIUM RULE All premiums shown on the policy and endorsements shall be rounded to the nearest whole dollar. A premium of fifty cents ($.50) or more shall be rounded to the next higher whole dollar. 3. SECONDARY RESIDENCE PREMISES When coverage is provided on the initial and secondary residence premises under separate policies in the same company, the basic premium for the secondary residence premises shall be reduced $28. Charge for an additional insured location under the policy covering the initial residence premises. A minimum annual premium of $50 shall be charged for each secondary residence premises regardless of the credit allowed. 4. MANDATORY WORKERS COMPENSATION AND EMPLOYERS LIABILITY COVERAGE - PRIVATE RESIDENCE EMPLOYEES Code Classifications Premium 0913 Inservant (employed for not less than 20 hours per week) $175 per employee 0912 Outservant (employees for not less than 10 hours per week) $150 per employee 0910 Occasional (all residence employees not included in Codes 0912 and 0913) Incl Attached Endorsement HO-90 - Workers Compensation and Employers Liability 5. THE FOLLOWING RULE APPLIES TO ALL COVERAGES Adjust all premiums by.80 to reflect the rate roll back resulting from Prop. 103. Effective June 1, 1988 New 20 The Tokio Marine and Fire Insurance Company Effective July 1, 1988 Renewal
TERRITORIES All territories shown below are designated in accordance with Personal Lines Statistical Plan Territorial Codes. Territory City of County of Code City of County of Code Berkeley... Alameda. 54 Oakland.. Alameda... 54 Fresno.. Fresno 40 Sacramento... Sacramento. 38 Long Beach. Los Angeles(90801-840). 57 San Diego.. San Diego.... 46 Los Angeles. Los Angeles (90001-089) 56 San Jose Santa Clara. 30 Territories other than Cities named above: County of Code County of Code Alameda. 55 Riverside Dist. II Part... 52 Alpine.. 45 Sacramento... 39 Amador... 45 San Benito. 45 Butte... 45 San Bernardino Dist. I Part. 50 Calaveras... 45 San Bernardino Dist. II Part... 52 Colusa 45 San Diego Dist. I Part.. 47 Contra Costa. 33 San Diego Dist. II Part. 53 Del Norte... 37 San Francisco... 07 El Dorado... 45 San Joaquin.. 42 Fresno 41 San Luis Obispo Dist. I Part... 36 Glenn.. 45 San Luis Obispo Dist. II Part.. 45 Humboldt... 37 San Mateo. 32 Imperial.. 45 Santa Barbara Dist. I Part... 49 Inyo. 45 Santa Barbara Dist. II Part.. 51 Kern. 44 Santa Clara... 31 Kings... 45 Santa Cruz. 36 Lake 45 Shasta... 45 Lassen 45 Sierra.. 45 Los Angeles Central*. 58 Siskiyou.. 45 Remainder of Los Angeles**.. 09 Solano Dist. I Part 37 Madera... 45 Solano Dist. II Part... 45 Marin... 34 Sonoma. 35 Mariposa 45 Stanislaus.. 43 Mendocino. 37 Sutter.. 45 Merced... 45 Tehama.. 45 Modoc. 45 Tirnity.. 45 Mono... 45 Tulare. 45 Monterey 36 Tuolumne... 45 Napa... 37 Ventura Dist. I Part... 49 Nevada... 45 Ventura Dist. II Part.. 51 Orange 48 Yolo. 39 Placer. 39 Yuba... 45 Plumas... 45 Designated Brush Area... 08 Riverside Dist. I Part 50 Los Angeles Central: Includes cities of Bell(90201); Beverly Hills(90210-213); Compton (90220-224); Huntington Park(90255); Inglewood(90301-310); Lynwood(90262); Maywood(90270); Malibu(90265); North Hollywood(91601-609); Pacific Palisades(90272); South Gate(90280). Remainder of Los Angeles: Includes the remainder of Los Angeles County not specifically listed in territories 56, 57, and 58. Effective June 1, 1988 New 21 The Tokio Marine and Fire Insurance Company Effective July 1, 1988 Renewal
EARTHQUAKE TERRITORIES EARTHQUAKE TABLE 5: ZIP CODES - TERRITORIES ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY 90001 4 90060 9 90241 4 90502 7 90002 4 90061 9 90242 5 90503 7 90003 4 90062 4 90245 7 90504 7 90004 8 90063 8 90247 9 90505 4 90005 8 90064 4 90248 9 90506 7 90006 5 90065 9 90249 4 90507 7 90007 4 90066 4 90250 7 90508 7 90008 8 90067 8 90251 7 90509 7 90009 5 90068 9 90254 7 90510 7 90010 7 90069 9 90255 5 90601 4 90011 5 90070 5 90260 7 90602 4 90012 5 90071 5 90261 7 90603 7 90013 5 90072 5 90262 4 90604 7 90014 5 90073 5 90263 9 90605 8 90015 5 90074 5 90264 9 90606 4 90016 4 90075 5 90265 9 90607 8 90017 5 90076 5 90266 7 90608 8 90018 4 90077 9 90267 7 90609 8 90019 7 90078 5 90270 5 90610 8 90020 8 90079 5 90272 9 90612 8 90021 5 90080 5 90274 8 90620 3 90022 8 90081 5 90275 8 90621 4 90023 5 90082 5 90277 7 90622 4 90024 7 90083 5 90278 7 90623 5 90025 5 90084 5 90280 5 90624 4 90026 9 90086 4 90290 9 90630 5 90027 9 90087 4 90291 3 90631 7 90028 4 90088 4 90292 3 90632 7 90029 8 90089 5 90293 7 90633 7 90030 9 90091 8 90294 3 90637 6 90031 9 90093 5 90295 3 90638 9 90032 9 90094 4 90296 3 90639 6 90033 8 90095 5 90301 9 90640 8 90034 4 90096 4 90302 9 90650 4 90035 4 90097 5 90303 9 90651 4 90036 7 90099 5 90304 9 90652 4 90037 4 90101 5 90305 9 90659 4 90038 5 90102 5 90306 9 90660 5 90039 8 90103 5 90307 9 90661 5 90040 8 90174 5 90308 9 90662 5 90041 9 90185 5 90309 9 90665 5 90042 9 90201 5 90310 9 90670 4 90043 9 90202 4 90311 9 90671 4 90044 9 90209 4 90312 9 90680 4 90045 8 90210 9 90313 9 90701 4 90046 9 90211 4 90397 9 90702 4 90047 9 90212 4 90398 9 90703 4 90048 4 90213 4 90401 7 90704 10 90049 8 90220 9 90402 7 90706 5 90050 9 90221 4 90403 7 90707 5 90051 9 90222 4 90404 7 90710 7 90052 9 90223 4 90405 5 90711 4 90053 9 90224 4 90406 7 90712 9 90054 9 90230 8 90407 7 90713 4 90055 9 90231 5 90408 7 90714 4 90056 8 90232 8 90409 7 90715 4 90057 9 90233 5 90410 7 90716 5 90058 5 90239 9 90411 7 90717 3 90059 4 90240 5 90501 7 90720 4 Effective October 1, 2001 22 The Tokio Marine and Fire Insurance Company
EARTHQUAKE TERRITORIES ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY 90721 4 91042 6 91309 2 91399 9 90723 5 91043 6 91310 7 91401 3 90731 7 91046 2 91311 9 91402 2 90732 8 91050 5 91312 9 91403 9 90733 7 91051 5 91313 9 91404 3 90734 7 91065 3 91316 4 91405 3 90740 4 91066 2 91319 9 91406 3 90742 4 91077 2 91320 9 91407 3 90743 4 91101 5 91321 5 91408 3 90744 7 91102 5 91322 5 91409 3 90745 7 91103 5 91324 2 91410 3 90746 9 91104 5 91325 2 91411 3 90747 9 91105 6 91326 8 91412 2 90748 7 91106 5 91327 2 91413 9 90749 7 91107 5 91328 2 91416 4 90801 1 91108 5 91329 2 91423 4 90802 1 91109 5 91330 2 91426 4 90803 4 91110 5 91331 2 91436 4 90804 9 91114 5 91333 2 91470 3 90805 4 91115 5 91334 2 91482 3 90806 5 91116 5 91335 3 91495 9 90807 9 91117 5 91337 3 91496 3 90808 4 91118 5 91340 2 91497 3 90809 1 91121 5 91341 2 91499 3 90810 4 91123 5 91342 2 91501 9 90813 4 91124 5 91343 2 91502 2 90814 9 91125 5 91344 8 91503 2 90815 4 91126 5 91345 2 91504 2 90822 1 91129 5 91346 2 91505 3 90831 9 91131 5 91350 7 91506 3 90832 1 91175 5 91351 5 91507 2 90833 9 91182 5 91352 2 91508 2 90834 9 91184 5 91353 2 91510 2 90835 9 91185 5 91354 5 91521 2 90840 4 91186 5 91355 3 91522 2 90842 1 91187 5 91356 9 91523 4 90844 1 91188 5 91357 9 91526 2 90845 1 91189 5 91358 8 91601 3 90846 1 91191 5 91359 8 91602 4 90847 1 91201 6 91360 7 91603 3 90848 1 91202 6 91361 6 91604 9 90853 1 91203 6 91362 8 91605 3 90888 1 91204 6 91363 6 91606 3 90899 1 91205 9 91364 9 91607 3 91001 5 91206 6 91365 9 91608 9 91003 5 91207 6 91367 7 91609 3 91006 2 91208 8 91371 9 91610 3 91007 2 91209 2 91372 9 91611 3 91009 2 91210 2 91376 9 91612 3 91010 2 91214 2 91377 9 91614 3 91011 1 91221 2 91380 5 91615 3 91012 1 91222 2 91381 8 91616 3 91016 4 91224 2 91382 8 91617 3 91017 4 91225 2 91383 5 91618 3 91020 2 91226 2 91384 6 91701 3 91021 1 91301 9 91385 5 91702 2 91023 2 91302 9 91386 7 91706 3 91024 4 91303 2 91388 3 91708 2 91025 4 91304 3 91392 2 91709 5 91030 2 91305 2 91393 2 91710 2 91031 2 91306 3 91394 8 91711 1 91040 2 91307 7 91395 2 91714 2 91041 2 91308 2 91396 2 91715 2 Effective October 1, 2001 23 The Tokio Marine and Fire Insurance Company
EARTHQUAKE TERRITORIES ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY 91716 2 91801 6 92024 9 92110 1 91718 5 91802 6 92025 10 92111 6 91719 5 91803 4 92026 10 92112 6 91720 5 91804 6 92027 10 92113 6 91722 2 91841 6 92028 9 92114 7 91723 5 91896 6 92029 10 92115 6 91724 5 91899 6 92030 10 92116 6 91729 2 91901 10 92032 10 92117 6 91730 2 91902 7 92033 10 92118 3 91731 3 91903 10 92036 8 92119 9 91732 4 91905 10 92037 6 92120 9 91733 4 91906 10 92038 10 92121 7 91734 4 91908 6 92039 10 92122 6 91735 4 91909 6 92040 10 92123 6 91737 4 91910 6 92046 10 92124 9 91739 4 91911 6 92049 9 92126 9 91740 1 91912 6 92050 9 92127 10 91741 1 91913 7 92051 9 92128 10 91743 3 91914 9 92052 9 92129 9 91744 2 91915 9 92053 3 92130 9 91745 6 91916 10 92054 9 92131 9 91746 4 91917 10 92055 9 92132 6 91747 4 91921 6 92056 10 92133 3 91748 9 91931 10 92057 10 92134 6 91749 4 91932 3 92058 9 92135 3 91750 4 91933 3 92059 8 92136 6 91752 4 91934 10 92060 9 92137 6 91754 7 91935 10 92061 8 92138 6 91755 8 91941 9 92064 10 92139 6 91756 7 91942 9 92065 10 92140 3 91758 5 91943 9 92066 9 92142 6 91759 5 91944 9 92067 10 92143 6 91760 5 91945 9 92068 10 92145 9 91761 3 91946 9 92069 10 92147 6 91762 5 91947 5 92070 9 92149 6 91763 4 91948 5 92071 10 92150 6 91764 2 91950 5 92072 10 92152 6 91765 7 91951 5 92073 10 92153 6 91766 1 91962 10 92074 10 92154 5 91767 1 91963 10 92075 7 92155 1 91768 8 91976 9 92077 10 92158 6 91769 1 91977 9 92078 10 92159 6 91770 7 91978 9 92079 10 92160 6 91771 7 91979 9 92082 9 92161 6 91772 7 91980 10 92083 10 92162 6 91773 4 91987 10 92084 10 92163 6 91775 2 91990 10 92085 10 92164 6 91776 6 92001 9 92086 9 92165 6 91778 6 92002 9 92088 9 92166 6 91780 5 92003 9 92090 9 92167 6 91784 4 92004 4 92091 10 92168 6 91785 4 92007 7 92092 6 92169 6 91786 4 92008 9 92093 6 92170 6 91788 5 92009 9 92096 10 92171 6 91789 5 92011 9 92101 4 92172 6 91790 2 92013 9 92102 6 92173 8 91791 6 92014 8 92103 6 92174 6 91792 2 92018 9 92104 6 92175 6 91793 2 92019 10 92105 6 92176 6 91795 2 92020 9 92106 5 92177 6 91797 1 92021 10 92107 5 92178 1 91798 2 92022 9 92108 2 92179 6 91799 1 92023 9 92109 4 92182 6 Effective October 1, 2001 24 The Tokio Marine and Fire Insurance Company
EARTHQUAKE TERRITORIES ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY 92184 6 92277 8 92368 7 92532 8 92186 6 92278 5 92369 3 92536 9 92187 6 92280 10 92371 5 92539 6 92190 6 92281 2 92372 4 92543 2 92191 6 92282 5 92373 5 92544 5 92192 6 92283 9 92374 2 92545 5 92193 6 92284 6 92375 2 92546 2 92194 6 92285 6 92376 4 92548 7 92195 6 92286 6 92377 4 92549 1 92196 6 92292 5 92378 6 92551 5 92197 6 92301 7 92382 6 92552 5 92198 6 92303 2 92384 9 92553 5 92199 6 92304 9 92385 6 92554 3 92201 3 92305 8 92386 7 92555 3 92202 4 92307 3 92389 10 92556 5 92203 4 92308 6 92391 5 92557 5 92210 5 92309 9 92392 7 92561 6 92211 5 92310 7 92393 7 92562 8 92220 5 92311 7 92394 8 92563 6 92222 9 92312 7 92397 5 92564 8 92223 5 92313 4 92398 2 92567 2 92225 10 92314 8 92399 5 92570 9 92226 10 92315 8 92401 2 92571 6 92227 2 92316 5 92402 2 92572 9 92230 4 92317 6 92403 2 92581 2 92231 3 92318 4 92404 2 92582 2 92232 3 92319 10 92405 2 92583 2 92233 3 92320 5 92406 2 92584 7 92234 3 92321 6 92407 6 92585 7 92235 2 92322 6 92408 2 92586 9 92236 2 92323 10 92409 5 92587 9 92239 10 92324 4 92410 2 92589 9 92240 6 92325 6 92411 2 92590 8 92241 6 92326 6 92412 2 92591 6 92242 10 92327 5 92413 2 92592 7 92243 2 92328 7 92414 2 92593 9 92244 2 92329 3 92415 2 92595 7 92249 2 92332 10 92418 2 92596 8 92250 1 92333 9 92420 2 92599 9 92251 2 92334 5 92423 2 92602 9 92252 5 92335 5 92424 2 92603 9 92253 2 92336 4 92427 2 92604 6 92254 4 92337 6 92436 3 92605 9 92255 6 92338 9 92501 7 92606 6 92556 7 92339 5 92502 7 92607 9 92257 3 92340 8 92503 6 92609 9 92258 5 92341 9 92504 7 92610 9 92259 4 92342 7 92505 6 92612 9 92260 6 92345 7 92506 7 92614 6 92261 6 92346 3 92507 5 92615 9 92262 3 92347 7 92508 9 92616 9 92263 9 92350 4 92509 7 92618 9 92264 9 92351 10 92513 7 92619 9 92266 10 92352 5 92514 7 92620 7 92267 10 92354 4 92515 7 92621 6 92268 4 92356 4 92516 7 92623 9 92269 6 92357 4 92517 7 92624 6 92270 3 92358 5 92518 10 92625 9 92272 9 92359 5 92519 7 92626 9 92273 2 92363 10 92521 7 92627 9 92274 2 92364 10 92522 7 92628 9 92275 9 92365 2 92530 8 92629 9 92276 5 92366 10 92531 8 92630 9 Effective October 1, 2001 25 The Tokio Marine and Fire Insurance Company
EARTHQUAKE TERRITORIES ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY 92631 4 92708 4 92870 4 93109 7 92632 4 92709 7 92871 4 93110 5 92633 4 92710 5 92877 6 93111 6 92634 4 92711 6 92878 6 93116 6 92635 9 92712 6 92879 6 93117 6 92640 5 92714 6 92880 6 93118 6 92641 5 92715 9 92881 6 93120 7 92643 5 92717 6 92882 6 93121 7 92644 5 92718 7 92883 6 93130 7 92645 5 92720 7 92885 4 93140 7 92646 4 92728 4 92886 4 93150 4 92647 4 92735 6 92887 4 93160 7 92648 6 92780 6 92899 4 93190 7 92649 4 92781 6 92928 9 93199 6 92650 9 92782 6 93001 6 93201 10 92651 9 92799 6 93002 6 93202 10 92652 9 92801 4 93003 2 93203 1 92653 9 92802 5 93004 4 93204 9 92654 9 92803 4 93005 6 93205 8 92655 4 92804 4 93006 6 93206 7 92656 9 92805 5 93007 6 93207 10 92657 5 92806 5 93009 2 93208 10 92658 3 92807 5 93010 2 93210 10 92659 3 92808 7 93011 2 93212 10 92660 9 92811 5 93012 6 93214 4 92661 3 92812 4 93013 4 93215 9 92662 3 92814 4 93014 4 93216 9 92663 3 92815 4 93015 7 93217 3 92665 5 92816 4 93016 7 93218 10 92666 6 92817 4 93020 7 93219 10 92667 6 92821 6 93021 7 93220 2 92668 6 92822 5 93022 5 93221 10 92669 8 92823 5 93023 6 93222 5 92670 4 92825 4 93024 6 93223 10 92672 10 92831 5 93030 2 93224 5 92673 7 92832 5 93031 2 93225 5 92674 10 92833 5 93032 2 93226 10 92675 9 92834 5 93033 4 93227 10 92676 5 92835 5 93034 5 93230 10 92677 9 92836 5 93035 4 93231 10 92678 9 92837 5 93040 9 93232 10 92679 9 92838 5 93041 4 93234 7 92680 6 92840 5 93042 4 93235 10 92683 4 92841 5 93043 2 93237 10 92684 4 92842 4 93044 4 93238 10 92685 4 92843 5 93060 5 93239 9 92686 6 92844 5 93061 5 93240 9 92687 5 92845 5 93062 7 93241 4 92688 9 92846 4 93063 6 93242 10 92690 9 92850 4 93064 6 93243 2 92691 9 92856 4 93065 7 93244 10 92692 9 92857 6 93066 5 93245 10 92693 9 92859 6 93067 4 93246 10 92694 9 92860 6 93093 7 93247 10 92697 9 92861 6 93094 7 93249 6 92698 9 92862 6 93099 7 93250 7 92701 6 92863 6 93101 7 93251 5 92702 5 92864 6 93102 7 93252 2 92703 5 92865 5 93103 5 93254 8 92704 5 92866 6 93105 5 93255 10 92705 4 92867 6 93106 7 93256 10 92706 6 92868 6 93107 6 93257 10 92707 6 92869 5 93108 4 93258 10 Effective October 1, 2001 26 The Tokio Marine and Fire Insurance Company
EARTHQUAKE TERRITORIES ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY 93260 10 93424 9 93535 8 93638 10 93261 10 93426 9 93536 3 93639 10 93262 10 93427 8 93539 5 93640 10 93263 8 93428 9 93541 10 93641 10 93265 10 93429 7 93542 7 93642 10 93266 10 93430 9 93543 2 93643 10 93267 10 93431 4 93544 3 93644 10 93268 6 93432 9 93545 5 93645 10 93270 10 93433 7 93546 10 93646 10 93271 10 93434 7 93549 7 93647 10 93272 10 93435 9 93550 2 93648 10 93274 10 93436 10 93551 2 93649 10 93275 9 93437 7 93552 2 93650 10 93276 9 93438 10 93553 2 93651 10 93277 10 93440 9 93554 7 93652 10 93278 10 93441 9 93555 7 93653 10 93279 10 93442 9 93556 7 93654 10 93280 9 93443 9 93558 7 93656 10 93282 10 93444 7 93560 5 93657 10 93283 10 93445 6 93561 9 93660 10 93285 10 93446 10 93562 6 93661 10 93286 10 93447 10 93563 7 93662 10 93287 10 93448 9 93581 9 93664 10 93291 10 93449 9 93584 5 93665 10 93292 10 93450 9 93586 5 93666 10 93301 3 93451 9 93590 2 93667 10 93302 3 93452 6 93591 2 93668 10 93303 3 93453 9 93592 6 93669 10 93304 3 93454 8 93596 9 93670 10 93305 2 93455 7 93599 2 93673 10 93306 5 93456 8 93601 10 93675 10 93307 3 93457 10 93602 10 93701 10 93308 5 93458 8 93603 10 93702 10 93309 6 93460 8 93604 10 93703 10 93310 6 93461 5 93605 10 93704 10 93311 3 93463 8 93606 10 93705 10 93312 5 93464 8 93607 10 93706 10 93313 5 93465 10 93608 9 93707 10 93380 3 93483 7 93609 10 93708 10 93381 3 93501 6 93610 10 93709 10 93382 3 93502 6 93611 10 93710 10 93383 3 93504 5 93612 10 93711 10 93384 3 93505 5 93613 10 93712 10 93385 3 93510 7 93614 10 93714 10 93386 3 93512 8 93615 10 93715 10 93387 3 93513 7 93616 10 93716 10 93388 3 93514 3 93618 10 93717 10 93389 3 93515 3 93620 10 93718 10 93390 3 93516 9 93621 10 93720 10 93401 9 93517 7 93622 10 93721 10 93402 6 93518 8 93623 10 93722 10 92403 9 93519 6 93624 10 93724 10 93405 4 93522 8 93625 10 93725 10 93406 9 93523 9 93626 10 93726 10 93407 9 93524 9 93627 10 93727 10 93408 9 93526 7 93628 10 93728 10 93409 9 93527 7 93629 10 93729 10 93410 9 93528 8 93630 10 93740 10 93412 6 93529 10 93631 10 93741 10 93420 10 93530 5 93633 10 93744 10 93421 10 93531 6 93634 10 93745 10 93422 10 93532 2 93635 7 93747 10 93423 10 93534 5 93637 10 93750 10 Effective October 1, 2001 27 The Tokio Marine and Fire Insurance Company
EARTHQUAKE TERRITORIES ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY 93755 10 94012 5 94111 2 94205 10 93759 10 94013 3 94112 3 94206 10 93760 10 94014 3 94114 4 94207 10 93761 10 94015 5 94115 4 94208 10 93762 10 94016 6 94116 4 94209 10 93764 10 94017 6 94117 4 94211 10 93765 10 94018 7 94118 4 94229 10 93771 10 94019 7 94119 4 94230 10 93772 10 94020 8 94120 4 94232 10 93773 10 94021 7 94121 4 94234 10 93774 10 94022 5 94122 4 94235 10 93775 10 94023 5 94123 2 94236 10 93776 10 94024 5 94124 4 94237 10 93777 10 94025 5 94125 4 94239 10 93778 10 94026 4 94126 4 94240 10 93779 10 94027 4 94127 4 94243 10 93780 10 94028 5 94128 2 94244 10 93782 10 94029 4 94129 4 94245 10 93784 10 94030 5 94130 2 94246 10 93786 10 94031 6 94131 6 94247 10 93790 10 94035 2 94132 2 94248 10 93791 10 94037 6 94133 6 94249 10 93792 10 94038 5 94134 4 94250 10 93793 10 94039 2 94135 4 94252 10 93794 10 94040 3 94136 4 94253 10 93844 10 94041 2 94137 4 94254 10 93888 10 94042 2 94138 4 94256 10 93901 2 94043 2 94139 4 94257 10 93902 2 94044 5 94140 4 94258 10 93905 2 94045 5 94141 4 94259 10 93906 2 94059 2 94142 4 94261 10 93907 2 94060 8 94143 4 94262 10 93908 2 94061 5 94144 4 94263 10 93912 2 94062 6 94145 4 94267 10 93915 2 94063 2 94146 4 94268 10 93920 9 94064 2 94147 4 94269 10 93921 5 94065 1 94150 4 94271 10 93922 5 94066 5 94151 4 94273 10 93923 9 94067 5 94152 4 94274 10 93924 9 94070 6 94153 4 94277 10 93925 4 94071 6 94154 4 94278 10 93926 2 94074 7 94155 4 94279 10 93927 2 94080 2 94156 4 94280 10 93928 9 94083 2 94157 4 94282 10 93930 8 94085 2 94159 4 94283 10 93932 9 94086 2 94160 4 94284 10 93933 6 94087 3 94161 4 94285 10 93940 8 94088 2 94162 4 94286 10 93941 7 94089 2 94163 4 94287 10 93942 8 94090 3 94164 4 94288 10 93943 8 94096 2 94165 4 94289 10 93944 8 94098 2 94166 4 94290 10 93950 8 94099 2 94167 4 94291 10 93953 7 94101 4 94168 4 94293 10 93954 9 94102 4 94169 4 94294 10 93955 6 94103 4 94170 4 94295 10 93960 6 94104 3 94171 4 94296 10 93962 6 94105 2 94172 4 94297 10 94002 6 94106 4 94175 4 94298 10 94003 6 94107 3 94177 4 94299 10 94005 5 94108 6 94188 4 94301 5 94010 5 94109 4 94203 10 94302 5 94011 5 94110 4 94204 10 94303 2 Effective October 1, 2001 28 The Tokio Marine and Fire Insurance Company
EARTHQUAKE TERRITORIES ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY 94304 5 94552 6 94623 2 94950 7 94305 4 94553 6 94624 2 94951 6 94306 2 94555 2 94625 1 94952 6 94307 5 94556 6 94626 1 94953 6 94308 5 94557 1 94627 5 94954 2 94309 5 94558 9 94643 2 94955 6 94310 5 94559 4 94649 2 94956 3 94401 1 94560 1 94659 2 94957 5 94402 6 94561 6 94660 2 94960 5 94403 5 94562 9 94661 2 94963 7 94404 2 94563 6 94662 2 94964 4 94405 1 94564 6 94666 2 94965 8 94406 1 94565 5 94701 5 94966 8 94407 1 94566 2 94702 5 94970 6 94408 1 94567 9 94703 4 94971 7 94409 1 94568 5 94704 5 94972 8 94497 1 94569 7 94705 5 94973 7 94501 1 94570 1 94706 2 94974 4 94502 1 94571 7 94707 6 94975 6 94503 7 94572 7 94708 5 94976 5 94506 5 94573 9 94709 5 94977 5 94507 5 94574 9 94710 2 94978 7 94508 9 94575 1 94712 5 94979 5 94509 6 94576 9 94720 5 94998 7 94510 7 94577 2 94801 2 94999 6 94511 7 94578 5 94802 2 95001 8 94512 9 94579 2 94803 6 95002 1 94513 6 94580 2 94804 2 95003 5 94514 6 94581 4 94805 3 95004 1 94515 8 94583 4 94806 4 95005 6 94516 6 94585 6 94807 2 95006 6 94517 9 94586 6 94808 2 95007 6 94518 3 94587 2 94820 4 95008 3 94519 4 94588 3 94850 2 95009 3 94520 4 94589 7 94901 4 95010 8 94521 4 94590 4 94903 5 95011 3 94522 4 94591 4 94904 5 95012 4 94523 3 94592 4 94912 5 95013 3 94524 4 94595 5 94913 5 95014 5 94525 7 94596 6 94914 5 95015 5 94526 5 94597 6 94915 5 95017 7 94527 4 94598 3 94920 7 95018 6 94528 7 94599 5 94922 7 95019 1 94529 4 94601 2 94923 6 95020 2 94530 5 94602 5 94924 6 95021 2 94531 6 94603 2 94925 5 95023 4 94533 6 94604 2 94926 4 95024 4 94535 6 94605 5 94927 4 95026 1 94536 2 94606 3 94928 4 95030 5 94537 2 94607 2 94929 7 95031 5 94538 1 94608 2 94930 7 95032 6 94539 5 94609 5 94931 4 95033 1 94540 4 94610 5 94933 7 95035 4 94541 4 94611 5 94937 6 95036 4 94542 6 94612 2 94938 6 95037 6 94543 4 94613 5 94939 5 95038 6 94544 5 94614 1 94940 6 95039 4 94545 1 94615 2 94941 6 95041 6 94546 4 94617 5 94942 6 95042 9 94547 6 94618 5 94945 3 95043 8 94548 6 94619 5 94946 7 95044 5 94549 5 94620 2 94947 4 95045 5 94550 7 94621 1 94948 4 95046 2 94551 7 94622 2 94949 4 95050 2 Effective October 1, 2001 29 The Tokio Marine and Fire Insurance Company
EARTHQUAKE TERRITORIES ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY 95051 3 95152 5 95251 10 95357 10 95052 2 95153 5 95252 10 95358 10 95053 2 95154 5 95253 10 95360 6 95054 2 95155 5 95254 10 95361 10 95055 2 95156 5 95255 10 95363 9 95056 2 95157 5 95257 10 95364 10 95060 7 95158 5 95258 10 95365 10 95061 7 95159 5 95267 10 95366 10 95062 5 95160 5 95269 10 95367 10 95063 7 95161 5 95290 10 95368 10 95064 8 95164 5 95296 10 95369 10 95065 7 95170 5 95297 10 95370 10 95066 6 95171 5 95298 10 95372 10 95067 7 95172 5 95301 10 95373 10 95070 4 95173 5 95303 10 95374 10 95071 4 95190 5 95304 8 95375 10 95073 6 95191 5 95305 10 95376 8 95075 7 95192 5 95306 10 95377 8 95076 1 95193 5 95307 10 95378 8 95077 1 95194 5 95309 10 95379 10 95101 3 95196 5 95310 10 95380 10 95102 3 95201 10 95311 10 95381 10 95103 3 95202 10 95312 10 95382 10 95106 3 95203 10 95313 10 95383 10 95108 3 95204 10 95314 10 95384 10 95109 3 95205 10 95315 10 95385 8 95110 3 95206 9 95316 10 95386 10 95111 3 95207 10 95317 10 95387 9 95112 3 95208 10 95318 10 95388 10 95113 3 95209 10 95319 10 95389 10 95114 3 95210 10 95320 10 95390 10 95115 3 95211 10 95321 10 95391 8 95116 3 95212 10 95322 10 95397 10 95117 3 95213 10 95323 10 95401 6 95118 3 95215 10 95324 10 95402 6 95119 3 95219 9 65325 10 95403 6 95120 6 95220 10 95326 10 95404 7 95121 5 95221 10 95327 10 95405 6 95122 3 95222 10 95328 10 95406 6 95123 3 95223 10 95329 10 95407 4 95124 6 95224 10 95330 10 95408 6 95125 3 95225 10 95333 10 95409 7 95126 3 95226 10 95334 10 95410 9 95127 5 95227 10 95335 10 95411 9 95128 3 95228 9 95336 10 95412 8 95129 3 95229 10 95337 10 95413 9 95130 3 95230 10 95338 10 95414 9 95131 3 95231 10 95340 10 95415 9 95132 4 95232 10 95341 10 95416 3 95133 2 95233 10 95342 10 95417 10 95134 2 95234 9 95343 10 95418 7 95135 7 95235 10 95344 10 95419 7 95136 3 95236 10 95345 10 95420 6 95137 6 95237 10 95346 10 95421 8 95138 6 95240 10 95347 10 95422 9 95139 4 95241 10 95348 10 95423 7 95140 7 95242 10 95350 10 95424 6 95141 7 95245 10 95351 10 95425 5 95142 7 95246 10 95352 10 95426 8 95143 7 95247 10 95353 10 95427 9 95148 5 95248 10 95354 10 95428 10 95150 5 95249 10 95355 10 95429 10 95151 5 95250 10 95356 10 95430 7 Effective October 1, 2001 30 The Tokio Marine and Fire Insurance Company
EARTHQUAKE TERRITORIES ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY 95431 6 95528 5 95625 6 95691 10 95432 7 95531 8 95626 10 95692 10 95433 4 95532 8 95627 10 95693 10 95435 6 95534 2 95628 10 95694 10 95436 7 95536 5 95629 10 95695 10 95437 9 95537 2 95630 10 95696 10 95439 4 95538 8 95631 10 95697 10 95441 7 95540 2 95632 10 95698 10 95442 7 95542 8 95633 10 95699 10 95443 7 95543 10 95634 10 95701 10 95444 7 95545 8 95635 10 95703 10 95445 8 95546 9 95636 10 95709 10 95446 7 95547 2 95637 10 95712 10 95448 7 95548 6 95638 10 95713 10 95449 9 95549 8 95639 10 95714 10 95450 6 95550 7 95640 10 95715 10 95451 9 95551 2 95641 9 95717 10 95452 7 95552 10 95642 10 95720 10 95453 9 95553 9 95643 10 95721 10 95454 10 95554 9 95644 10 95722 10 95455 9 95555 8 95645 10 95724 9 95456 9 95556 9 95646 10 95725 10 95457 9 95558 6 95648 10 95726 10 95458 6 95559 9 95650 10 95727 10 95459 7 95560 6 95651 10 95728 10 95460 9 95562 3 95652 10 95735 10 95461 9 95563 9 95653 9 95736 10 95462 8 95564 2 95654 10 95741 10 95463 9 95565 5 95655 10 95742 10 95464 10 95567 9 95656 10 95743 10 95465 7 95568 10 95658 9 95746 10 95466 9 95569 6 95659 10 95747 10 95468 8 95570 8 95660 10 95748 10 95469 9 95571 9 95661 10 95758 10 95470 5 95573 9 95662 10 95759 10 95471 7 95585 9 95663 10 95762 10 95472 7 95587 7 95664 9 95763 10 95473 7 95589 7 95665 10 95765 10 95476 3 95595 10 95666 10 95776 10 95480 7 95601 10 95667 10 95798 10 95481 5 95602 9 95668 10 95799 10 95482 5 95603 10 95669 10 95812 10 95485 7 95604 9 95670 10 95813 10 95486 8 95605 10 95671 10 95814 10 95487 3 95606 10 95672 9 95815 10 95488 9 95607 10 95673 10 95816 10 95490 8 95608 10 95674 10 95817 10 95492 6 95609 10 95675 10 95818 10 95493 9 95610 10 95676 10 95819 10 95494 9 95611 10 95677 10 95820 10 95497 6 95612 10 95678 10 95821 10 95501 2 95613 10 95679 10 95822 10 95502 2 95614 10 95680 10 95823 10 95503 2 95615 10 95681 10 95824 10 95511 9 95616 10 95682 10 95825 10 95514 9 95617 10 95683 10 95826 10 95518 3 95618 10 95684 10 95827 10 95519 3 95619 10 95685 10 95828 10 95521 3 95620 9 95686 10 95829 10 95524 6 95621 10 95687 7 95830 10 95525 7 95622 10 95688 9 95831 10 95526 9 95623 10 95689 10 95832 10 95527 9 95624 10 95690 10 95833 10 Effective October 1, 2001 31 The Tokio Marine and Fire Insurance Company
PREMIUM CHARTS ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY ZIP CODE TERRITORY 95834 10 95952 10 96029 10 96105 10 95835 10 95953 10 96031 10 96106 5 95836 10 95954 10 96032 10 96107 8 95837 10 95955 10 96033 10 96108 10 95838 10 95956 8 96034 10 96109 5 95840 10 95957 10 96035 10 96110 10 95841 10 95958 10 96037 9 96111 9 95842 10 95959 10 96038 10 96112 10 95843 10 95960 10 96039 10 96113 9 95851 10 95961 10 96040 7 96114 4 95852 10 95962 10 96041 10 96115 10 95853 10 95963 10 96042 10 96116 10 95857 10 95964 10 96044 10 96117 9 95860 10 95965 10 96045 10 96118 8 95864 10 95966 10 96046 10 96119 10 95865 10 95967 10 96047 10 96120 7 95866 10 95968 9 96048 10 96121 3 95867 10 95969 10 96049 10 96122 10 95873 10 95970 10 96050 10 96123 10 95887 10 95971 9 96051 10 96124 4 95894 10 95972 10 96052 10 96125 10 95899 10 95973 10 96053 10 96126 7 95901 10 95974 9 96054 10 96127 6 95903 10 95975 10 96055 10 96128 6 95910 9 95976 10 96056 9 96129 8 95912 10 95977 10 96057 10 96130 9 95913 10 95978 10 96058 10 96132 10 95914 10 95979 10 96059 10 96133 6 95915 10 95980 10 96061 9 96134 10 95916 10 95981 10 96062 10 96135 9 95917 10 95982 10 96063 9 96136 7 95918 10 95983 10 96064 10 96137 10 95919 10 95984 9 96065 10 96139 10 95920 10 95985 10 96067 10 96140 8 95922 10 95986 10 96068 9 96141 9 95923 9 95987 10 96069 10 96142 9 95924 10 95988 10 96070 10 96143 8 95925 10 95991 10 96071 8 96145 9 95926 10 95992 10 96073 10 96146 9 95927 10 95993 10 96074 10 96148 8 95928 10 96001 10 96075 10 96150 9 95929 10 96002 10 96076 10 96151 9 95930 10 96003 10 96078 10 96152 9 95931 10 96006 10 96079 10 96154 9 95932 10 96007 10 96080 10 96155 9 95934 10 96008 10 96084 10 96156 9 95935 10 96009 9 96085 10 96157 9 95936 9 96010 10 96086 10 96158 9 95937 10 96011 9 96087 10 96160 3 95938 10 96013 9 96088 10 96161 3 95939 10 96014 10 96089 10 96162 9 95940 10 96015 10 96090 10 95941 10 96016 8 96091 10 95942 10 96017 10 96092 10 95943 10 96019 10 96093 10 95944 10 96020 10 96094 10 95945 10 96021 10 96095 10 95946 10 96022 10 96096 10 95947 9 96023 10 96097 10 95948 10 96024 10 96099 10 95949 9 96025 10 96101 10 95950 10 96027 10 96103 10 95951 10 96028 9 96104 10 Effective June 1, 1988 New 33 The Tokio Marine and Fire Insurance Company Effective July 1, 1988 Renewal
PREMIUM CHARTS 1. PREMIUM GROUP CHART TERRITORIES 30 through 37 TERRITORIES 38 through 45 Protection HO-3 HO-4 and HO-6 Protection HO-3 HO-4 and HO-6 Class Masonry Frame Masonry Frame Class Masonry Frame Masonry Frame 1-6 1 1 1 2 1-6 6 6 8 9 7 1 2 1 2 7 6 7 8 9 8 1 2 2 2 8 6 7 9 9 9 - - - - 9 - - - - 10 - - - - 10 - - - - TERRITORIES 46 through 50 TERRITORIES 51 through 53 Protection HO-3 HO-4 and HO-6 Protection HO-3 HO-4 and HO-6 Class Masonry Frame Masonry Frame Class Masonry Frame Masonry Frame 1-6 11 11 15 16 1-6 16 16 22 23 7 11 12 15 16 7 16 17 22 23 8 11 12 16 16 8 16 17 23 23 9 - - - - 9 - - - - 10 - - - - 10 - - - - TERRITORIES 54 through 55 TERRITORIES 56 through 58 Protection HO-3 HO-4 and HO-6 Protection HO-3 HO-4 and HO-6 Class Masonry Frame Masonry Frame Class Masonry Frame Masonry Frame 1-6 21 21 29 30 1-6 26 26 36 37 7 21 22 29 30 7 26 27 36 37 8 21 22 30 30 8 26 27 37 37 9 - - - - 9 - - - - 10 - - - - 10 - - - - TERRITORY 07 TERRITORY 09 Protection HO-3 HO-4 and HO-6 Protection HO-3 HO-4 and HO-6 Class Masonry Frame Masonry Frame Masonry Frame Masonry Frame 1-2 31 31 43 44 1-6 32 32 36 37 7 32 33 36 37 8 32 33 37 37 9 - - - - 10 - - - - Effective June 1, 1988 New 33 The Tokio Marine and Fire Insurance Company Effective July 1, 1988 Renewal
PREMIUM CHARTS 2. BASIC ANNUAL PREMIUM CHART - HO-3 $100 FLAT DEDUCTIBLE - ALL SECTION I PERILS BASIC PREM GRP 1 2 6 7 11 12 16 17 21 $ 65,000 252 277 257 282 195 215 296 325 280 70,000 257 283 262 288 199 218 301 331 286 75,000 262 289 268 294 203 223 308 339 292 80,000 269 296 275 302 208 229 316 347 299 85,000 277 305 282 310 214 235 325 357 308 90,000 286 314 291 320 221 243 335 369 318 95,000 296 325 302 331 229 252 347 381 329 100,000 307 338 313 344 238 261 360 396 341 105,000 320 352 326 359 248 272 375 413 356 110,000 333 366 339 373 257 283 390 429 370 115,000 348 383 355 390 269 296 408 449 387 120,000 363 400 371 407 281 309 426 469 404 125,000 381 420 389 427 295 324 447 492 424 130,000 399 439 407 447 309 339 468 515 444 135,000 420 462 428 470 326 357 492 541 467 140,000 440 484 449 493 340 374 516 567 489 145,000 463 509 472 519 358 394 543 597 515 150,000 485 534 495 544 376 413 569 626 540 155,000 510 562 521 572 395 434 599 658 568 160,000 535 589 546 600 414 455 628 690 595 165,000 562 619 573 630 435 478 660 725 625 170,000 589 648 600 660 456 501 691 759 655 175,000 617 679 629 692 478 525 724 796 687 180,000 645 710 658 723 499 549 757 832 718 185,000 675 743 688 756 522 574 792 870 751 190,000 704 775 718 789 545 599 826 908 783 195,000 733 807 748 822 568 624 860 946 816 200,000 762 839 777 854 590 648 894 983 848 210,000 800 879 815 897 619 680 938 1032 890 220,000 838 922 855 939 649 713 982 1081 933 230,000 876 964 894 982 678 745 1028 1130 975 240,000 914 1006 932 1024 708 778 1072 1179 1017 250,000 952 1048 971 1067 737 810 1117 1228 1060 260,000 990 1090 1010 1110 766 842 1162 1277 1102 270,000 1028 1132 1048 1152 796 875 1206 1326 1144 280,000 1066 1173 1087 1195 825 907 1250 1375 1186 290,000 1104 1215 1126 1238 855 939 1296 1425 1229 300,000 1142 1257 1165 1280 884 972 1340 1474 1271 Each Add l $10,000 Add 38 42 39 41 29 32 45 49 42 COVERAGE A DWELLING AMOUNT Effective June 1, 1988 New 34 The Tokio Marine and Fire Insurance Company Effective July 1, 1988 Renewal
PREMIUM CHARTS $100 FLAT DEDUCTIBLE ALL SECTION I PERILS BASIC PREM GRP 22 26 27 31 32 33 $ 65,000 309 294 323 280 252 277 70,000 315 299 329 286 257 283 75,000 322 306 336 292 262 289 80,000 330 314 345 299 269 296 85,000 339 323 355 308 277 305 90,000 350 333 366 318 286 314 95,000 362 344 379 329 296 325 100,000 376 357 393 341 307 338 105,000 392 373 410 356 320 352 110,000 408 388 426 370 333 366 115,000 427 406 446 387 348 383 120,000 445 423 466 404 363 400 125,000 467 444 489 424 381 420 130,000 489 465 512 444 399 439 135,000 514 489 538 467 420 462 140,000 539 512 564 489 440 484 145,000 567 539 593 515 463 509 150,000 595 565 622 540 485 534 155,000 626 594 654 568 510 562 160,000 656 623 686 595 535 589 165,000 689 655 721 625 562 619 170,000 721 686 755 655 589 648 175,000 756 719 791 687 617 679 180,000 791 752 827 718 645 710 185,000 827 786 865 751 675 743 190,000 862 820 902 783 704 775 195,000 898 854 940 816 733 807 200,000 934 888 977 848 762 839 210,000 980 932 1026 890 800 880 220,000 1027 977 1075 933 838 922 230,000 1073 1021 1123 975 876 964 240,000 1120 1065 1172 1017 914 1006 250,000 1167 1089 1221 1060 952 1048 260,000 1214 1154 1269 1102 990 1090 270,000 1260 1198 1318 1144 1028 1132 280,000 1307 1242 1367 1186 1066 1173 290,000 1353 1287 1416 1229 1104 1215 300,000 1399 1331 1464 1271 1142 1257 Each Add l $10,000 Add 47 44 49 42 38 42 COVERAGE A DWELLING AMOUNT Effective June 1, 1988 New 35 The Tokio Marine and Fire Insurance Company Effective July 1, 1988 Renewal
PREMIUM CHARTS 3. BASIC PREMIUM CHART - HO-4 AND HO-6 $250 FLAT DEDUCTIBLE (HO-4 & Tenant-Occupied HO-6) $100 FLAT DEDUCTIBLE (Owner-Occupied HO-6) PREMIUM GROUP 1 2 8 9 15 16 22 23 29 $ 12,000 121 136 132 145 101 112 97 108 140 13,000 131 147 143 157 109 121 105 117 152 14,000 141 158 154 169 118 130 113 126 164 15,000 152 170 165 182 126 140 122 135 176 16,000 160 179 174 191 133 147 128 142 185 17,000 168 188 183 201 139 154 134 149 194 18,000 176 197 191 211 146 162 141 157 204 19,000 184 206 200 220 153 169 147 164 213 20,000 192 215 209 230 160 178 154 171 222 21,000 200 224 218 240 166 184 160 178 232 22,000 208 233 227 249 173 192 167 185 241 23,000 216 242 235 259 180 199 173 193 250 24,000 224 251 244 269 186 206 180 200 260 25,000 232 260 253 278 193 214 186 207 269 26,000 240 269 262 288 200 221 193 214 278 27,000 248 278 271 298 207 229 199 221 288 28,000 257 287 279 307 213 236 206 229 297 29,000 265 296 288 317 220 244 212 236 307 30,000 273 305 297 327 227 251 219 243 316 31,000 281 314 306 336 234 259 225 250 325 32,000 289 323 315 246 240 266 232 257 335 33,000 297 332 323 356 247 273 238 265 344 34,000 305 341 332 365 254 281 245 272 353 35,000 313 350 341 375 260 288 251 279 363 36,000 321 359 350 385 267 296 258 286 372 37,000 329 368 359 394 274 303 264 293 381 38,000 337 377 367 404 281 311 271 301 391 39,000 345 386 376 414 287 318 277 308 400 40,000 354 396 385 424 294 326 284 315 410 Each Add l $1,000 10 11 11 12 8 9 8 9 11 COVERAGE AMOUNT PREMIUMS FOR FORM HO-6 ARE CALCULATED BY MULTIPLYING PREMIUM FOR FORM HO-4 BY.80. Effective June 1, 1988 New 36 The Tokio Marine and Fire Insurance Company Effective July 1, 1988 Renewal
PREMIUM CHARTS $250 FLAT DEDUCTIBLE (HO-4 & Tenant-Occupied HO-6) $100 FLAT DEDUCTIBLE (Owner-Occupied HO-6) COVERAGE AMOUNT PREMIUM GROUP 30 36 37 43 44 $ 12,000 156 148 163 168 187 13,000 169 160 177 182 203 14,000 182 172 190 196 218 15,000 195 185 204 210 234 16,000 205 194 215 221 246 17,000 216 204 226 232 259 18,000 226 214 237 244 271 19,000 237 224 248 255 284 20,000 247 234 258 266 296 21,000 257 244 269 277 309 22,000 268 253 280 288 321 23,000 278 263 291 300 334 24,000 289 273 302 311 346 25,000 299 283 313 322 359 26,000 309 293 324 333 371 27,000 320 303 335 344 384 28,000 330 312 345 356 396 29,000 341 322 356 367 409 30,000 351 332 367 378 421 31,000 361 342 378 389 434 32,000 372 352 389 400 446 33,000 382 362 400 412 459 34,000 393 371 411 423 471 35,000 403 381 422 434 484 36,000 413 391 432 445 496 37,000 424 401 443 456 509 38,000 434 411 454 468 521 39,000 445 421 465 479 534 40,000 455 431 476 490 546 Each Add l $1,000 12 12 13 13 15 PREMIUMS FOR FORM HO-6 ARE CALCULATED BY MULTIPLYING PREMIUM FOR FORM HO-4 BY.80. Effective June 1, 1988 New 37 The Tokio Marine and Fire Insurance Company Effective July 1, 1988 Renewal