Dwelling Fire Product Guide What s New Amended Date of New & Revised Material Updates How To Reach Us Phone / FAX / Email Home Office Agency Services Claims Customer Service (Billing) Marketing Materials Supplies Web Site Dwelling Fire Product Descriptions DP 00 01 Basic Form DP 00 02 Broad Form DP 00 03 Special Form Liability and Medical Payments Coverages Dwelling Fire Eligibility Target Market Ineligible Risks General Rules Policy Rating Coverage Options Forms and Endorsements Mutual of Enumclaw Insurance Company 04/14
What s New What s New Effective Date Mutual of Enumclaw Insurance Company 2
How to Reach Us How to Reach Us General Contacts Home Office... (800) 366-5551 Agency Services (Help Desk)... Ext. 3520 AgencyServices@MutualofEnumclaw.com Claims... Ext. 3256 To file a Claim --- Claim Response Center... 877-425-2580 Or online at MutualofEnumclaw.com Customer Service... Ext. 3248 Billing Questions... Ext. 3248 or direct (800) 456-7750 To make Payments....Ext. 3654 or direct (888) 475-2823 Payment Address... P.O. Box 34983, Seattle, WA 98124-1983 ECRME@MutualofEnumclaw.com Marketing Materials... Ext. 3179 TZehnder@MutualofEnumclaw.com Supplies... Ext. 3314 SupplyRequest@MutualofEnumclaw.com Website MutualofEnumclaw.com Mutual of Enumclaw Insurance Company 3
Product Descriptions Product Descriptions Covered Perils Comparison Mutual of Enumclaw offers affordable coverage for your insureds that own or hold for rent one, two, three or four family dwellings, not exceeding a total of 15 units. Policy Features 1. Basic Form (DP 00 01) a. Coverage A Dwelling The Dwelling is covered on an Actual Cash Value basis for Fire and Extended Coverage perils. The dwelling must be insured for 100% of its Actual Cash Value. For an additional premium, Vandalism and Malicious Mischief may be included with Extended Coverage. b. Coverage B Other Structures Other Structures are covered on the same basis as the dwelling for 10% of the Coverage A amount at no additional charge. This extension is not an additional amount of insurance. Increased limits may be purchased. c. Coverage C Personal Property Personal Property shall be covered on the same basis as the dwelling. d. Coverage D Rental Value Rental Value is covered on the same basis as the dwelling for 20% of the Coverage A amount at no additional charge. This extension is not an additional amount of insurance. Increased limits may be purchased. 2. Broad Form (DP 00 02) a. Coverage A Dwelling The Dwelling is covered on a Replacement Cost basis for Fire, Extended Coverage and other named perils. It must be insured for 100% of its Replacement Cost. Building Ordinance or Law Coverage is mandatory. b. Coverage B Other Structures Other Structures are covered on the same basis as the dwelling up to 10% of the Coverage A amount at no additional charge. This extension is an additional amount of insurance. Increased limits may be purchased. Building Ordinance or Law Coverage is mandatory. c. Coverage C Personal Property Personal Property may be covered for Fire, Extended Coverage and other named perils on an Actual Cash Value basis. d. Coverage D Rental Value/Coverage E Additional Living Expense Rental Value and/or Additional Living Expense is covered on the same basis as the dwelling up to 20% of the Coverage A amount at no additional charge. Occupancy determines the applicable coverage. This extension is an additional amount of insurance. Increased limits of Rental Value or Additional Living Expense may be purchased. 3. Special Form (DP 00 03) a. Coverage A Dwelling The Dwelling is covered on a Replacement Cost basis against most risks of physical loss subject to certain exclusions. It must be insured to 100% of its Replacement Cost. Building Ordinance or Law Coverage is mandatory. b. Coverage B Other Structures Other Structures are automatically covered on the same basis as the dwelling up to 10% of the Coverage A amount at no additional charge. This extension is an additional amount of insurance. Increased limits may be purchased. Building Ordinance or Law Coverage is mandatory. Mutual of Enumclaw Insurance Company 4
Product Descriptions Product Descriptions c. Coverage C Personal Property Personal Property may be covered for Fire, Extended Coverage and other named perils on an Actual Cash Value basis. d. Coverage D Rental Value/Coverage E Additional Living Expense Rental Value and/or Additional Living Expense is covered on the same basis as the dwelling up to 20% of the Coverage A amount at no additional charge. Occupancy determines the applicable coverage. This extension is an additional amount of insurance. Increased limits of Rental Value or Additional Living Expense may be purchased. 4. Liability and Medical Payment Coverages a. Landlord s Liability The Landlord s Liability policy provides Premises Liability and Premises Medical Payments to Others arising out of the ownership, maintenance or use of a described premises. Defined Personal Injury coverage for described offenses is included. b. Medical Payments Provides coverage for reasonable and necessary medical expenses, for other than an insured, as a result of a covered loss. Mutual of Enumclaw Insurance Company 5
Eligibility Dwelling Fire Eligibility Target Market The Dwelling Fire product is designed to provide a market for the amateur property owner. The insured will have placed their Homeowner, Mobilehomeowner or Farmowner coverage with Mutual of Enumclaw or Enumclaw Property and Casualty and may not own more than 15 total units, with a single location containing not more than 4 units. Accounts eligible to be bound include the following: 1. Risks with no prior losses. 2. Risks with a preferred prior carrier. 3. Risks where the insured resides in the same city or town. 4. Risks built after 1950. 5. Risks with Coverage A values between $60,000 and $500,000. 6. Risks used exclusively for private residential purposes. If farming is being done on the premises, the activity must be incidental to the occupancy of the dwelling. 7. Risks that are not vacant, unoccupied or undergoing renovation. 8. Risks without EIFS siding. Ineligible Risks 1. Mobilehomes written on a DP 00 02 or DP 00 03 contract. 2. Dwellings that do not have thermostatically controlled heating systems. 3. Risks with aluminum wiring. 4. Risks with rolled roofing. 5. Tenant occupied dwellings with a woodstove, unless the Coverage A value is a minimum of $75,000. The appliance must be UL or ICBO certified and a completed Woodstove Questionnaire is required. 6. Risks without a continuous concrete foundation. 7. Dwellings built prior to 1950 without a completed PL53 (Electrical System Questionnaire) verifying the wiring has been completely updated. Agents may not bind ineligible risks. Exceptional cases may be referred to your underwriter with an explanation and request for approval. Please note: Photos of both the front and back of the structure are required. Mutual of Enumclaw Insurance Company 6
General Rules General Rules Application: A fully completed application is required for each new policy. Cancellation of Insurance: If the policy is canceled at the request of the company or the insured, the return premium will be 100 percent of the pro rata unearned premium. Changes: A completed change request is required to amend the policy. Condominium Coverage: A minimum of $1,000 Coverage C is required for the issuance of a policy insuring a condominium. Course of Construction: Buildings may be written at the rate and under the form applicable to the building as if it were completed and occupied. Risks in the course of reconstruction, alteration, repair or improvement shall not be considered in course of construction. DP M1143 applies. Coverage: Property coverage may be written alone, or with Liability and Medical Payments. Liability and Medical Payments may not be written without Property coverage. Coverage Limits: All coverage limits will be rounded to the next highest $1,000. Amounts of insurance indicated on the application or change request for Additional Living Expense or Rental Value will be in addition to any limit included in the contract. Minimum Premiums: A minimum policy premium of $100.00 applies. Policy Period: The Dwelling Fire policy is written for a one year term. Premium Adjustments: Any additional or return premiums of $5 or less will be waived. Premium Rounding: Each rating calculation will be rounded to the nearest whole $1. Pro Rata Rating: All mid-term changes and cancellations will be computed on a pro rata basis. Minimum premiums for coverages being added are not subject to pro rate. Vacant Dwellings: If underwriter approval is given for a vacant dwelling, the applicable coverage form is the Basic Form. Mutual of Enumclaw Insurance Company 7
Policy Rating Policy Rating Deductible $500 deductible is the base deductible. Protection Class Definition: 1. Inside city limits or within limits of recognized Fire Districts. Dwellings located within the corporate limits of a municipality or established boundaries of a legal Fire District will be accorded the rating classification of the municipality or district as established and published in the Public Protection Classification Manual for, subject to the limits and requirements contained therein. 2. No protection. Dwellings not provided for under paragraph (a.) above shall be rated as Class 10. 3. Fire Protection Rating Exception One and two unit dwellings, non-commercial buildings and their contents that are located: (1) Within 5 miles travel distance from a recognized fire department that is the primary response; and (2) Within 1,000 feet of a fire hydrant on a 4 inch or larger main, or the primary responding fire department will transport water for fighting the fire, or there is a lake, pond or stream from which water is available on a year round basis, shall be rated at the Public Protection Classification of the primary responding fire department. Mutual of Enumclaw Insurance Company 8
Coverage Options Coverage Options Additional Living Expense (DP 04 14 applies if coverage applicable to DP 00 01) Applicable for insured occupied risks. Broad Theft Coverage DP 04 72 Applicable to owner occupied dwellings and provides on and off-premises coverage for the perils of Theft and Vandalism and Malicious Mischief resulting from theft. Building Items Condo Unit-Owners Coverage DP 17 66 Provides coverage for alterations and items of real property which pertain exclusively to the insureds unit. Deductible Options Options: $500, $1000, $2500, $5000 and $10000. Dwelling Coverage - Contingent Limit DP M0047 When attached to a specific dwelling that is insured on a DP 00 02 or DP 00 03 contract, to 100% of Replacement Cost and not more than 30 years old, this endorsement will provide the smallest of: 1. 125% of the limit applicable to the damaged or destroyed building. 2. The amount actually and necessarily spent in repairing or replacing the dwelling or any part thereof. Improvements, Alterations and Additions DP 17 66 Applicable to DP 00 01 or DP 00 02. Named perils coverage is automatically provided in the forms for up to 10% of the Coverage C limit. Landlord s Liability & Premises Medical Payments To Others Limited Coverage Other Structure DP M0007 Qualified buildings may be insured for named perils under this endorsement. Limited Fungi, Wet or Dry Rot, or Bacteria Coverage DP M0422 Applies a limit of coverage for losses caused by fungi. Limited Theft Coverage DP 04 73 Applicable to owner or tenant occupied dwellings and provides on-premises coverage for the perils of Theft and Vandalism and Malicious Mischief resulting from theft. Loss Assessment Property Coverage DP 04 63 When a Dwelling Fire policy is extended to cover a condominium unit, Loss Assessment coverage is available. Ordinance or Law Coverage Increased Amount of Coverage DP 04 71 Coverage forms DP 00 02 and DP 00 03 provide 10% of Coverage A or Coverage B. This is a mandatory endorsement for Broad Form and Special Form Dwelling Fire policies to insure the Dwelling and Other Structures against loss resulting from ordinances or laws that regulate construction, repair or demolition of the building. The total coverage limit will be 100%. Rental Value Insurance Applicable for tenant occupied risks. Special Coverage - DP 04 65 Coverage on an All Risk Special Form basis is available for Unit-Owners. Landlord s Liability and Premises Medical Payments to Others coverage may be added as a supplement to Dwelling Fire coverage. Premises Medical Payments to Others coverage is required. Options of $300,000; $500,000 and $1,000,000 are available for Landlord s Liability. Options of $1,000; $2,000 and $5,000 are available for Premises Medical Payments to Others coverage. Mutual of Enumclaw Insurance Company 9
Forms and Endorsements DESCRIPTION Form # Dwelling Property 1 Basic Form DP 00 01 Dwelling Property 2 - Broad Form DP 00 02 Dwelling Property 3 - Special Form DP 00 03 Additional Insured DP M0002F Additional Living Expense Insurance Form DP 04 14 Broad Theft Coverage DP 04 72 Change Endorsement DP M0199 Contract of Sale Clause IL137F Dwelling Under Construction DP M1143 Dwelling Coverage - Contingent Limit DP M0047 Dwelling Fire Application ACORD 84 Fire Department Clause IL285F Improvements, Alterations and Additions DP 17 66 Landlord's Liability LL002 Limited Coverage Other Structures DP M0007 DESCRIPTION Form # Limited Fungi, Wet or Dry Rot, or Bacteria Coverage DP M0422 Limited Theft Coverage DP 04 73 Loss Assessment Property Coverage DP 04 63 Mutual Policy Conditions Advises of the special regulations applicable to insureds of mutual insurance companies. ME0001 Ordinance or Law Coverage Increased Amount of Coverage DP 04 71 Special Coverage DP 04 65 Special Provisions - Provides state specific provisions. DP 01 02 Unit - Owners Coverage DP 17 66 Water Exclusion Broad Form DP 16 09 Water Exclusion Basic and Special Form DP 16 10 Mutual of Enumclaw Insurance Company 10