IDAHO Homeowner Product Guide What s New Effective Date Updates How To Reach Us Phone / FAX / Email Home Office Agency Services Claims Customer Service (Billing) Marketing Materials Policy Services Supplies Underwriting Website Product Descriptions Link to HO-3/HO-5 Homeowner Comparison Policy Features Basic Coverage Limits Description of Coverage Program Guidelines Eligibility Other Insurance Payment Policy Changes Policy Period Premium Adjustments Premium Rounding Rule Property Renewal Increases Protection Information Renewal Plan Seasonal Dwelling Definition Secondary Residences Single Building Definition Transfer or Assignment Forms and Endorsements Descriptions Coverages Deductibles Coverage E Personal Liability Coverage F Medical Payments Fire Department Service Charge Loss of Use Fire Protection Discount Loyalty Discount Mobilehome Park Newer Home Discount Multi-Home Discount Package Policy Discount Additional Rating Elements HO-3, MH-3 and HO-5 Age of Insured Heating Type Individual Premium Modifier Number of Additional Interests Number of Families Number of Lapses Number of Stories Personal Status Roof Age Roof Type Swimming Pool Total Living Area Woodstove Forms and Endorsements List Mobilehome Park List Mutual of Enumclaw Insurance Company 0914 Photo Requirements General Rules Cancellation or Reductions in Limits of Liability or Coverages Construction Definitions Mandatory Coverages Manual Premium Revision Minimum Premium Multiple Company Insurance Other Exposures Other Insured Location Occupied by Insured Personal Property Reduction in Limit Residence Employees Secondary Residence Premises Discounts Burglary Protection Discount Claims Free Discount
What s New Effective Date September 15, 2014 Updates Deleted HO M045 Change Endorsement and IL0029 Mutual Policy Conditions. Added ME 00 01 Mutual Policy Conditions. Added horsepower information requirement to HO M009 Recreational Vehicle Liability Coverage endorsement. Mutual of Enumclaw Insurance Company 2
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 Personal Lines Underwriting (click for list of staff) FAX Number... (866) 546-0223 Policy Services (click for list of staff) FAX Number... (866) 546-0224 Supplies... Ext. 3314 SupplyRequest@MutualofEnumclaw.com Website MutualofEnumclaw.com Mutual of Enumclaw Insurance Company 3
Product Descriptions Link to HO-3/HO-5 Homeowner Comparison - Idaho This quick reference highlights the coverage differences between the Special and Enhanced coverage forms. Please refer to the policy form for complete details. Policy Features Homeowner policies offer protection for property and liability losses, with optional endorsements to tailor the policy to the needs of the customer. 1. Special Form (HO 3011) This policy includes: Special form coverage for the dwelling and other structures on a replacement cost basis. Named perils coverage for personal property anywhere in the world. Personal liability coverage, including personal injury and owned snowmobiles at no extra charge. Medical Payments to Others without a per occurrence aggregate limit. 2. Mobilehomeowners Special Form (MH 3011) In addition to the features of the Special Form policy mentioned above, this policy includes: Named perils coverage for personal property increased to 50% of the value of the mobilehome at no extra charge. 3. Contents Broad Form (HO 4011) This policy, for the tenant homeowner, includes: Named perils coverage for personal property anywhere in the world. Building Additions and Alterations coverage for improvements made by a tenant to his living area. Personal liability coverage, including personal injury and owned snowmobiles at no extra charge. Medical Payments to Others without a per occurrence aggregate limit. 4. Enhanced Form (HO 5011) This policy includes: Special form coverage for the dwelling and other structures. Open Perils coverage for personal property anywhere in the world on a replacement cost basis. Personal liability coverage, including personal injury and owned snowmobiles at no extra charge. Medical Payments to Others without a per occurrence aggregate limit. Choice of blanket protection or Extended Replacement Cost for the dwelling after a loss. Extended Replacement Cost coverage provides an additional 50% of Coverage A or Coverage B in the event of a covered loss. Ordinance or Law Coverage at a limit of 25% of Coverage A. Limited motor vehicle coverage for golf carts while used on a golf course or roadway designed for use by a golf cart. 5. Unit-Owners Form (HO 6011) This policy, for the condominium owner, includes: $1,000 named perils coverage for additions and alterations to the condominium unit or structures owned on the residence premises. Named perils coverage for personal property anywhere in the world. Personal liability coverage, including personal injury and owned snowmobiles at no extra charge. Medical Payments to Others without a per occurrence aggregate limit. Mutual of Enumclaw Insurance Company 4
Product Descriptions Basic Coverage Limits a. The minimum Limits of Liability required under the Homeowners Policy are as follows: Section I - Property Damage Coverage HO-3, MH-3 HO-5 HO-4 or HO-6 A Dwelling Refer to Refer to $1,000 (HO-6) Minimum Limit Eligibility. Eligibility. B Other 10% of A 10% of A -- Structures C Personal 50% of A 70% of A Refer to Eligibility. Property D Loss of Use 20% of A 30% of A 20% of C HO4 40% of C HO6 Section II-Liability All Forms Coverage E-Personal Liability $100,000 Each Occurrence Coverage F-Medical Payments to Others $1,000 Each Person b. ALL FORMS-The limit of liability for Coverages C or D of Section I and E or F of Section II may be increased. c. FORMS HO-3, MH-3 and HO-5 - Under Coverage B of Section I, an additional amount of insurance may be written on a specific structure. d. FORM HO-3, MH-3 - Under Coverage C of Section I, it is permissible to reduce the limit of liability to an amount not less than 40% of the limit on the dwelling. Reduced Coverage C is not permitted if HO-42 Permitted Incidental Occupancies (Residence Premises) or HO M290 Personal Property Replacement Cost is present. e. FORM HO-6 - The limit of liability for Coverage A of Section I may be increased. Description of Coverage a. Section I Coverages-Property Damage The following is a general description of the coverages provided by the individual Homeowner policy forms. The policy should be consulted for exact contract conditions. Fire or Lightning Windstorm or Hail, Explosion, Riot or civil commotion, Aircraft, Vehicles or Smoke Vandalism or malicious mischief Theft Breakage of glass or safety glazing material Volcanic eruption Falling objects, Weight of ice, snow or sleet, Accidental discharge of water or steam, Sudden and accidental tearing apart of a heating system or appliance, Freezing, Sudden accidental damage from electrical current Additional risks with certain exceptions (Special Coverage) HO-3 MH-3 Cov. C Cov. C Cov. C Cov. C Cov. C Cov. C Cov. C Cov. A, B & D HO-4 & HO-6 HO-5 b. Section II Coverages Liability All Forms (1) Coverage E - Personal Liability-Covers payment on behalf of any insured of all sums which the insured shall become legally obligated to pay as damages because of bodily injury or property damage arising out of an insured s premises or personal activities. (2) Coverage F - Medical Payments to Others-Covers medical expenses incurred by persons, other than the insured, who sustain bodily injury caused by an accident arising out of an insured s premises or personal activities. No Mutual of Enumclaw Insurance Company 5
Program Guidelines These guidelines and rules are designed to set general parameters for underwriting acceptability. Any risk falling outside these binding authority limits may be submitted for consideration on a non-bound basis. Other single factors or combinations of factors may make a risk unacceptable. Authority for final approval of any individual risk rests with your underwriter. Eligibility The Homeowners Program is designed to meet the needs of a broad range of insureds. The following general guidelines apply to all policy forms. Do not bind: any risk without prior continuous Homeowners insurance. This rule does not apply to first time homeowners. structures insured under Coverages A and B which are not insured to 100% of the cost to replace the structure. any risk with a solid fuel heating appliance as a primary heat source. The primary heating system must be conventional and thermostatically controlled. any risk with a solid fuel appliance unless it is certified by Underwriters Laboratories or the International Conference of Building Officials. risks with aluminum or knob and tube wiring. coverage on a structure without a continuous, concrete foundation, e.g. with post and pier-block foundation (unless a mobilehome). structures of unique architectural design. risks without 30 feet of clear defensible space for homes in brush or forested areas in protection class 9 or 10 risks located in a brush or forested area with a shake roof. risks in protection class 9 or 10 with a shake roof. dwellings or mobilehomes with a total living area less than 400 sq ft. a split the line risk (where coverage on one risk is split between Mutual of Enumclaw Insurance Company and another carrier). a risk with an unfenced trampoline on the premises; a 5 fence with a self-locking gate is required. risk with an unfenced swimming pool (larger than 6 ft in diameter and 3 ft deep) on the premises; a 5 fence with a self-locking gate is required. risks with any business occupancy unless eligible for insurance as a Permitted Incidental Occupancy. risks with the following breeds of dogs: Doberman, Rottweiler, Presa Canario, Chow Chow, Akita or Pit Bull, and/or any other vicious dog on the premises. risks with more than one personal saddle horse per member of the household, not to exceed (5) horses total. a risk when the applicant has no verifiable source of income. a risk when the applicant is a target professional athlete, actor/actress, T.V. or radio personality, newspaper editor, broadcaster, etc. Target risks have high visibility and may be in positions where the risk of a claim under personal injury is high, or may be presumed to be wealthy and able to pay a large judgment. coverage for insureds whose property is encumbered with three or more mortgages, liens or contracts of sale. coverage for recreational vehicles unless the operators are eligible for preferred auto insurance. scheduled articles coverage for a single item exceeding $30,000, or a total schedule exceeding $75,000. coverage on a secondary dwelling without the primary dwelling insured by Mutual of Enumclaw Insurance Company or Enumclaw Property and Casualty Insurance Company. Mutual of Enumclaw Insurance Company 6
Program Guidelines Special Form (HO 3011) A Special Form policy may be issued: to an owner/occupant of a dwelling used exclusively for private residential purposes and containing not more than 2 units. for dwellings in the course of construction which are: a. new construction (not under renovation). b. built by a licensed contractor. c. insured to 100% of completed value. d. intended for occupancy by the Named Insured. for dwellings with farming exposure which is incidental to the occupancy of the dwelling and farming is not the primary occupation of the dwelling owner. (Refer to Forms and Endorsements section for coverage availability.) for risks which are not constructed of hand hewn logs. Qualifying log homes should not be written for less than a minimum cost of $250 per square foot and are subject to inspection to determine the definitive value. Extended Replacement Cost Coverage is not available on log constructed homes. for dwellings constructed on or after 2000 with EIFS siding. for primary dwellings with Coverage A values no less than $100,000 or no greater than $700,000*. (Please note: if dwelling is located in protection class 9 or 10 the maximum Coverage A is $500,000.) for secondary dwellings with Coverage A values no less than $50,000 or no greater than $700,000*. (Please note: if dwelling is located in protection class 9 or 10 the maximum Coverage A is $500,000.) Mobilehomeowners Special Form (MH 3011) for owner occupied mobilehomes used exclusively for private residential purposes. for mobilehomes with farming exposure which is incidental to the occupancy of the dwelling and farming is not the primary occupation of the mobilehome owner. for mobilehomes if permanently located on a site. for mobilehomes that are permanently hooked up to electrical power, water and sewer. for mobilehomes that are skirted. for mobilehomes with all steps, decks and porches permanently installed. Contents Broad Form (HO 4011) The Contents Broad Form policy may be issued: to tenants (non-owner) of a dwelling, apartment or mobilehome no older than 10 years; to the owner/occupant of a dwelling, cooperative unit or of a building containing an apartment which is not eligible for another Homeowners policy form. to risks with a Coverage C limit of $20,000 or more. The Mobilehomeowners Special Form policy may be issued: for mobilehomes, no older than 10 years with premises that are well maintained. for mobilehomes with a value of $60,000 or more. Mutual of Enumclaw Insurance Company 7
Program Guidelines Enhanced Form (HO 5011) The Enhanced Form policy may be issued: for dwellings and premises constructed on or after 1960 that exhibit above average maintenance and pride of ownership. For coverage to be considered on dwellings built prior to 1960, the dwelling must: be re-plumbed with copper piping, cross-linked polyethylene (PEX), or other piping which meets ANSI/NSF standards or local building codes (verification required). be re-wired with copper Romex (or like brand) with 100% circuit breakers. have an acceptable, well maintained roof. for owner occupied dwellings used exclusively for private residential purposes and containing not more than 2 units. for dwellings that are not of log or earth construction. for dwellings that are not of the modular or mobilehome construction type. for dwellings constructed on or after 2000 with EIFS siding. for dwellings with standard, or better, quality construction. for dwellings in the course of construction which are: a. new construction (not under renovation) b. built by a licensed contractor c. insured to 100% of completed value d. intended for occupancy by the Named Insured. for primary dwellings with Coverage A values no less than $150,000 or no greater than $700,000*. (Please note: if dwelling is located in protection class 9 or 10 the maximum Coverage A is $500,000.) for secondary dwellings with Coverage A values no less than $150,000 or no greater than $700,000*. (Please note: if dwelling is located in protection class 9 or 10 the maximum Coverage A is $500,000.) for dwellings with farming exposure which is incidental to the occupancy of the dwelling and farming is not the primary occupation of the dwelling owner. (Refer to Forms and Endorsements section for coverage availability.) Unit-Owners Form (HO 6011) The Unit-Owners Form policy may be issued: to the owner/occupant of a cooperative or condominium unit which is used exclusively for private residential purposes. to risks with a Coverage C limit of $40,000 or more. Mutual of Enumclaw Insurance Company 8
General Rules Cancellation Or Reductions In Limits Of Liability Or Coverages It is not permissible to cancel any of the mandatory coverages in the policy unless the entire policy is cancelled. If insurance is cancelled or reduced at the request of either the insured or insurer, any earned premium shall be computed on a pro rata basis. Construction Definitions Frame - exterior wall of wood or other combustible construction, including wood-iron clad, stucco on wood or plaster on combustible supports. Includes: Aluminum or plastic siding over frame. Log - a building with exterior walls of (natural or manufactured) log construction. (This construction class is not valid for HO-4, HO-6 or HO-5 policy forms. Hand hewn log homes are not acceptable.) Masonry Veneer - exterior walls of combustible construction veneered with brick or stone. Rate as masonry provided at least 66% of the exterior walls, including gables, are veneered with brick or stone. Masonry - exterior walls constructed of masonry materials such as adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile or similar materials and floors and roof of combustible construction (disregarding floors resting directly on the ground). NOTE: Mixed (Masonry/Frame) - a combination of both frame and masonry construction shall be classed and coded as frame when the exterior walls of frame construction (including gables) exceed 33 1/3% of the total exterior wall area; otherwise class and code as masonry. Mandatory Coverages It is mandatory that insurance be written for all coverages provided under both Sections I and II of the Homeowners Policy. Section II of the policy requires coverage for the following exposures: (a) all additional insured locations where the Named Insured or spouse maintain a residence other than business or farm properties; (b) all residence employees of the Named Insured or spouse not covered or not required to be covered by workers compensation insurance; and (c) permitted incidental occupancies by the insured on residential premises of the Named Insured. Manual Premium Revision A manual premium revision, meaning any revision of premium applicable to the Homeowners Program, shall be made in accordance with the following procedures: (a) The effective date of such revision shall be as announced. (b) The revision shall apply to any policy or endorsement in the manner outlined in the announcement of the revision. (c) When an existing Homeowners Policy is endorsed to take advantage of a reduction in premium, the adjustment shall be made on a pro rata basis. (d) Unless otherwise provided, at the time the premium revision becomes effective, the premium revision does not affect in-force policy forms and endorsements until the policy is renewed. Minimum Premium A minimum annual premium of $150 shall apply to the HO-3, MH-3, HO-5 and HO-6 policy forms. A $75 minimum premium applies to the HO-4 form.. All chargeable endorsements and coverages, written at the inception of the policy, are subject to the minimum premium except Scheduled Personal Property (HO-61) and Scheduled Property - Agreed Value Coverage (HO M5350).. When endorsements or coverages are attached after inception of the policy, the charge for each applies in accordance with the minimum premium rule, if any, for the endorsement. Multiple Company Insurance Not offered in this program. Mutual of Enumclaw Insurance Company 9
General Rules Other Insurance Credit for existing insurance is not permitted. Payment Payment plans are offered at the discretion of the Company. Billing and/or service fees are as follows: $4.00 service charge per payment is added to the amount owed when payments are received for less than the total premium. $6.00 convenience fee per payment is added to the amount owed when payments are made via telephone. $20.00 charge will be added for each check made by any policyholder or on his/her behalf that is not honored, for any reason, by the financial institution upon which it is drawn. ( Check includes installments of a Checkless Payment Plan (electronic fund transfer), credit or debit card transaction or other legal payment method that is not cash.) $5.00 late fee per payment is added to the amount owed when payment is received after the due date. No service charge is made when payments are received via a checkless payment plan (electronic funds transfer). Policy Changes Corrections Corrections to the rating of a policy are only allowed within the current policy term. Endorsements The addition or deletion of coverages will not alter the premium due date or the term of the policy. Adjustments in premium due to the changes will be prorated from the effective date to the end of the policy term and a full adjustment will be made for the next renewal cycle. Cancellation All cancellations, regardless of whether they are initiated by the company or the policyholder, are calculated on a pro rata basis. Policy Period The Homeowners Policy shall be written for a period of one year and may be extended for successive policy periods by a renewal declarations page based upon the premiums, forms and endorsements then in effect for the Company. For maintaining common anniversary dates, a Homeowners Policy may be written for a period of less than one year on a pro rata basis. Premium Adjustments 1. Paid-In-Full Policies a. Additional premium will be billed as an installment. b. Return premium will be sent to the insured in 10 days. 2. Installment Bill Policies a. Additional premium will be spread over remaining installments. b. Return premium will be spread over the current and remaining installments. Premium Rounding Rule HO-3, MH-3 and HO-5 policy premiums will be rounded to the penny. HO-4 and HO-6 policy premiums and optional endorsements will be rounded to the nearest whole dollar. In the event of cancellation by the Company, the return premium may be carried to the next higher whole dollar. Mutual of Enumclaw Insurance Company 10
General Rules Property Renewal Increases The limits of liability shown in the declarations page for Coverages A, B, C and D will be increased at the annual renewal by the property renewal increase factors adopted by the company. Payment of the renewal premium will constitute acceptance of the revised limits of liability as shown on the Declarations page. Protection Information The Protection Class assigned will be that developed by the Idaho Surveying and Rating Bureau. Temporary override of an assigned protection class may be allowed, based upon the circumstances of the risk and approval by the Company. Renewal Plan Buildings which are separated by space will be considered separate buildings. Buildings or sections of buildings which are separated by an 8 inch masonry party wall which pierces or rises to the underside of the roof and which pierces or extends to the innerside of the exterior wall will be considered separate buildings. Communication between buildings with independent walls or through masonry party walls described above will be protected by at least a Class A Fire Door installed in a masonry wall section. Transfer Or Assignment Subject to all the rules of this manual and any necessary adjustment of premium, a Homeowners Policy may be endorsed to effect transfer to another location within the same state. No assignments of a policy from one insured to another are allowed. A Homeowners Policy may be written for a term of twelve months. The policy may be continued for successive terms upon payment of the required premium to the Company on or before the inception date of each successive term. The continuation premium shall be based upon the premiums in effect on the renewal date. The then current editions of the applicable forms and endorsements must be made a part of the policy. Seasonal Dwelling Definition A seasonal dwelling is a dwelling with continuous unoccupancy of three or more consecutive months during any one year period. Secondary Residences A separate policy may be written to insure the dwelling and other structures at a second residence. The liability for this residence must be extended from the primary policy written with Mutual of Enumclaw Insurance Company or Enumclaw Property and Casualty Insurance Company. Single Building Definition All buildings or sections of buildings which communicate through unprotected openings will be considered as a single building. Mutual of Enumclaw Insurance Company 11
Forms and Endorsements Descriptions We are providing general descriptions of endorsements offered. Please consult the actual forms and endorsements for exact terms, conditions and exclusions. Underwriting guidelines are not intended to be inclusive. Additional information may be required under certain circumstances. Actual Cash Value Mobilehome MH-202 Amends the mobilehome policy from a replacement cost contract to an actual cash value contract. Available on MH-3. The mobilehome must have a minimum value of $15,000. The mobilehome cannot be over 15 years old. Additional Insured (Residence Premises) HO-41 Extends Section I Coverages A and B and Section II Coverages E and F to someone other than the Named Insured who has an ownership interest in the dwelling. Name and address of the additional insured. Interest of the additional insured. Additional Interests (Residence Premises) HO-310 Used to add a third party, other than a mortgagee, who has an interest in the residence. Affords Section I coverages only. Name and address of the other party. Description of their interest. Effective date of their interest. Additional Residence Rented to Others (1, 2, 3 or 4 Families) HO-70 Extends Personal Liability and Medical Payments to Others coverages to owned residences rented to others. Extension of liability is limited to maximum of 10 family units (a duplex counts as 2 units, a triplex is 3 units, etc.). This endorsement may extend liability only to 1, 2, 3 or 4 Family dwellings. Dwelling must be located in a state in which Mutual of Enumclaw Insurance Company is licensed to conduct business. Dwelling location. Number of families. Barns, Buildings and Structures HO M007, HO M5007 Named perils coverage on an actual cash value basis for barns, buildings and structures. As these structures are specifically insured, Coverage B of the policy does not apply to them. Available on HO-3, HO-5 and MH-3 policy forms. Description of structure. Limit per structure. Use of structure. Mutual of Enumclaw Insurance Company 12
Forms and Endorsements Descriptions Building Additions and Alterations (Other Residence) HO-49 Used to cover the insured s interest in additions, alterations, and improvements to rented secondary residences. Location Address. Limit for each location. Building Additions and Alterations HO-51 Increased Limit Form HO-4 Used to provide an increased limit for tenants building additions, alterations, fixtures, improvements, and installations. Available on HO-4 policy forms. Increase amount. Business Pursuits HO-71 Coverage for liability arising out of business pursuits may be added to the policy through the use of this endorsement. Coverage does not apply to a business owned by the insured or in which the insured is a partner. Professional liability is excluded for other than teaching. Insured s name. Business description. Employment classification. Corporal punishment liability desired (if insured is a teacher). Course of Construction HO M005 This endorsement is attached to a new business policy when construction of the dwelling has begun. Available on HO-3 and HO-5 policy forms. A dwelling being constructed by the insured is not eligible. The coverages afforded by this endorsement cease 1 year after the original inception date of the policy. Any dwellings not scheduled to be done within 365 days are not eligible for coverage. Contract of Sale 137 Provides coverage language specific to contract seller. Coverage C Increased Special Limits of Liability HO-65 The policy form contains Special Limits of Liability under Coverage C for certain categories of property. This endorsement is used to increase money, securities, jewelry, firearms, and silverware without specifically scheduling each item. The last 3 categories are increased with respect to theft only. The Coverage C perils named in the contract are not changed by this endorsement. 1. Jewelry, Watches and Furs The special limit on jewelry, watches and furs may be increased to a maximum of $5,000 but not exceeding $1,000 for any one article. 2. Money and Securities The special limit on money may be increased to a maximum of $1,000. The limit on securities may be increased to a maximum of $2,000. Mutual of Enumclaw Insurance Company 13
Forms and Endorsements Descriptions 3. Silverware, Goldware and Pewterware The special limit for loss by theft of silverware, etc., may be increased to a maximum of $10,000 in increments of $500. 4. Firearms The special limit for loss by theft of firearms may be increased to a maximum of $6,000 in increments of $100. Available on HO-3, MH-3, HO-4 and HO-6 policy forms. This endorsement is not available on HO-3 policy forms written with the HO M015 endorsement (Use HO-211). The class of property which is to be increased. The amount of the increase per property class. Coverage C Increased Special Limits of Liability HO-211, HO M5211 Used to increase the special limits of liability for certain categories. 1. Jewelry, Watches and Furs The special limit on jewelry, watches and furs may be increased to a maximum of $5,000 but not exceeding $1,000 for any one article. 2. Money and Securities The special limit on money may be increased to a maximum of $1,000 for HO-3, $2,000 for HO-5. The limit on securities may be increased to a maximum of $2,000. 3. Silverware, Goldware and Pewterware The special limit for loss by theft of silverware, etc., may be increased to a maximum of $10,000 in increments of $500. 4. Firearms The special limit on firearms may be increased to a maximum of $10,000. Available on HO-3 policy form with HO M015 endorsement and HO-5 policy forms. Only money and firearms are eligible for increased limits on HO-5. Property class to be increased. Amount of increase per property class. Credit Card, Fund Transfer Card, Forgery and Counterfeit Money Coverage (Increased Limit) HO-53, HO M5053 Used to increase the automatic limit provided in the policy. Available limits: $2500(not applicable to HO-5), $5000, $7,500, $10,000 Increase amount. Extended Home Replacement Coverage HO M5101 This endorsement amends item 3.b. of the Section I Conditions by stating we will settle covered losses to Coverage A & B up to an additional amount of the Coverage A or Coverage B limit of liability shown on the Declarations pages. This is a mandatory form. Applicable to HO-5 policy form. Farmers Personal Liability HO M073ID, HO M5073ID This endorsement may be used to cover farm liability exposures when the insured has a farming exposure, by leasing farm land to others, is not actively involved in farming and farming is not his primary occupation. This endorsement form will not be offered only for the purpose of obtaining animal collision coverage. The following guidelines apply to leased farmland: a. Lessee must maintain insurance coverage for the farming operations. Mutual of Enumclaw Insurance Company 14
Forms and Endorsements Descriptions b. Our insured must be listed as an additional insured on the lessee s policy. c. If the leased land is also the residential premise the named insured must reside in the home. d. Insured owned equipment should not be used by the lessee. Farm questionnaire PL106 completed by the insured. Location of all farm premises and type of farming conducted on each. a. Number of additional farm premises. b. Number of farm premises without buildings. c. Acreage. Description of any business pursuits (other than farming) which are conducted on the insured location(s) Animal Collision a. Number of animals ($400 coverage per animal). Homeowners Extended Replacement Cost Coverage HO M091 When this endorsement is attached to the policy, we agree to settle covered losses to the dwelling up to an additional amount of the limit of liability under Coverage A shown on the Declarations page at the time of loss. Dwellings must be insured to 100% of replacement cost to be eligible for this coverage. Available on HO-3 policy form. Identity Fraud Expense Coverage HO M5316 This form provides reimbursement for expenses incurred by an insured as a direct result of identity fraud. This is a mandatory form. Applicable to HO-5 policy form. Mutual of Enumclaw Insurance Company 15
Forms and Endorsements Descriptions Incidental Farming Personal Liability HO-72 This endorsement provides Personal Liability and Medical Payments coverages only with respect to incidental farming operations of the insured on the residence premises. In most cases, the farm exposure should: a. Not exceed gross revenue of $15,000. b. Be for a policyholder who has an off the farm primary occupation (unless retired). c. Not have a riding arena. d. Not have a dairy operation. e. Not exceed (80) acres. f. Be limited to $30,000 of scheduled farm equipment on an Inland Marine policy. g. Be limited to a combined total of $100,000 for newer structures at replacement value on an HO48. h. Be limited to a combined total of $50,000 on an HOM007 at ACV for older structures. Exposures not contemplated in Personal Lines include: a. Employees (full or part time). b. Tree farms. c. U-cut/U-pick operations. d. Roadside sales stands. e. Boarding, breeding, training or renting of horses. f. Exotic animals. g. Custom farmers. h. Nurseries. i. Poultry. j. Processing or dairies. k. Seed operations. l. Kennels. m. Property open for hunting. The Farm Liability questionnaire (PL 106) must be completed. Incidental Motorized Land Conveyances HO M313, HO M5313 This endorsement extends, to the insured and permissive operators, Section II coverages to motorized vehicles excluding: motorized bicycles, mopeds or motorized golf carts any conveyance: a. with a maximum speed of more than 25 MPH. b. subject to motor vehicle registration. c. while used to carry persons for a charge. d. while used for business purposes. e. while rented to others. f. while operated in any race, speed contest or competition. If a vehicle is not eligible for coverage under this endorsement, we also have available Recreational Vehicle Liability Coverage under endorsement HO M009. This is a mandatory endorsement but not applicable when the HO M073ID or HO M5073ID are attached.. Increased Limit on Personal Property in Other Residences HO-50 This endorsement is used when an increased limit is desired. Verify liability extension to additional residence(s). Location address. Increase amount. Mutual of Enumclaw Insurance Company 16
Forms and Endorsements Descriptions Increased Limits on Business Property HO-312, HO M5312 The policy form contains special limits on business property. Limits may be increased by means of this endorsement. The increased limit does not apply to business property in storage or held as a sample or for sale or delivery after sale or to business property pertaining to a business actually conducted on the residence premises. The specific dollar increase applies to on premises business property. Off premises business property is covered at 10% of the on premises limit. Maximum limit is $10,000. Increase in limit. Description of the business. Description of the business property. Landlord s Furnishings HO-308 This endorsement is used to increase the coverage for property in an apartment regularly rented or held for rental to others by an insured. Available Limits: $1,000, $2000, $3,000, $4,000, $5,000 Not available on HO-3 with HO M015 or HO-5 policy forms. Lender s Loss Payable Endorsement 438BFU NS Provides coverage language specific to a mortgagee. Loss Assessment Coverage HO-35, HO M5035 All policy forms include an automatic limit of loss assessment coverage (excluding earthquake). Please refer to the specific contract for the amount of coverage provided. Increased limits may be obtained with this endorsement. Please note: The policy forms do include a Special Limit applicable to an assessment resulting from a deductible in the policy of insurance purchased by a corporation or association of property owners. Please refer to the desired policy form for the pertinent information. Available Limits: Residence Premises: $5,000 to $50,000 in increments of $5,000 o The minimum increase limit for HO-5 is $10,000. Additional Locations: $1,000, $5,000 to $50,000 in increments of $5,000 No more than 2 locations can be written in addition to the residence premises. Increase in limit on the residence premises. If additional locations are covered the unit location and limit per location should be provided. Loss Payable Endorsement HO M335 Provides coverage language specific to a mortgagee. Mutual Policy Conditions ME 00 01 This form provides conditions applicable to insureds of a mutual insurance company. This is a mandatory form. Mobilehome Lienholder s Single Interest MH-85 This endorsement provides coverage only for the interest of the lienholder on the mobilehome for collision or upset while in transit and from conversion, embezzlement, or secretion by the insured. Available on MH-3 policy form. Mutual of Enumclaw Insurance Company 17
Forms and Endorsements Descriptions Ordinance or Law Coverage HO M277V This endorsement amends the contract to insure the Dwelling and Other Structures against loss resulting from ordinances or laws which regulate construction, repair or demolition of the property. Available on HO-3 or HO-6 policy forms. Available with HO-49 Building Additions and Alterations (Other Residence) endorsement. Aggregate limit desired. Available options: 25%, 50% or 100% of Coverage A (Note: if attached to HO-49 Building Additions and Alterations (Other Residence) or HO-6 policies, 100% of Coverage A option must be selected.) Ordinance or Law Coverage HO M5277V This endorsement amends the contract to insure the Dwelling and Other Structures against loss resulting from ordinances or laws which regulate construction, repair or demolition of the property. Available on HO-5. Aggregate limit desired. Available options: 50% or 100% of Coverage A Other Structures (Increased Limits) HO-48 This endorsement is used to increase coverage on other structures on the residence premises over what is provided in the policy form. The Coverage B Perils Insured Against in the policy extend to the additional limits obtained through the use of this endorsement. Available on HO-3, MH-3 and HO-5 policy forms. This endorsement is not to be used for agricultural type buildings. For those exposures, see endorsement HO M007 Barns, Buildings and Structures. Structure description including construction type, square footage and use. Limit per structure as developed by applying the price per square foot required by Mutual of Enumclaw Insurance Company. Permitted Incidental Occupancies (Residence Premises) HO-42, HO M5042 Section I and II Coverages of the policy are extended to cover an incidental office, professional, private school, or studio occupancy in the dwelling or in a separate structure on the residence premises. If the business is conducted in another structure on the residence premises Coverage B does not apply. The structure is specifically insured for direct physical loss by a Peril Insured Against under Coverages A and B of the policy form under this endorsement. Professional liability is excluded. This endorsement provides that certain property of the permitted business is covered up to the Coverage C limit. However, the endorsement does not increase the Coverage C limit. Mutual of Enumclaw Insurance Company 18
Forms and Endorsements Descriptions The only types of business activities eligible for this endorsement are office, studio, and school operations using less than half of the dwelling area. Day care operations may not be covered by this endorsement. Business description. Location where the business is conducted. If conducted in an Other Structure, a description of the structure. Limit on Other Structure. Permitted Incidental Occupancies (Other Residence) HO-43, HO M5043 Section II Coverage is extended to cover an incidental office, professional, private school, or studio occupancy in a residence other than the insured residence premises. Professional liability is excluded. The only types of business activities eligible for this endorsement are office, studio, and school operations using less than half of the dwelling area. Day care operations may not be covered by this endorsement. Business description. Premises location. Personal Property Replacement Cost HO M290 This endorsement is used to provide replacement cost coverage on property covered under Coverage C and, if applicable, awnings, carpeting, household appliances, outdoor antennas and outdoor equipment, whether or not attached to buildings. The Coverage C Perils Insured Against are not changed by this endorsement. Coverage also applies to articles or classes of property separately described and specifically insured in the policy (i.e. HO- 61). Refer to the endorsement for ineligible property and loss settlement provisions. Coverage C of HO-3 and MH-3 is automatically increased, at no additional charge, to 70% of Coverage A. Available on HO-3, MH-3, HO-4 and HO-6 policy forms. Pollution Exclusion HO M011 If Farmers Personal Liability is endorsed onto the policy it is mandatory that this endorsement also be added. This exclusion amends the pollution exclusion which is found in the Farmers Personal Liability endorsement. Premises Alarm or Fire Protection System HO-216 This endorsement is attached when a credit is being allowed for an approved alarm system. Type of Protective Device System: a. Burglar Alarm. b. Fire Alarm. c. Burglar and Fire Alarm. Installed to Alert: a. Central Station (copy of contract required). b. Police Station/Fire Department. c. Local only. A local burglar alarm must include a functional bell or similar soundgenerating device mounted on the exterior of the dwelling. A local fire alarm is required to produce a sound inside the dwelling to alert the occupants. Mutual of Enumclaw Insurance Company 19
Forms and Endorsements Descriptions Property Removed Increased Limit MH-104 Scheduled Personal Property Endorsement HO-61 Increases the coverage limit found in the policy that applies to moving expense when the mobilehome is endangered by a Peril Insured Against. Available on MH-3 policy form. Increase Limit. Recreational Vehicle Liability Coverage HO M009, HO M5009 This endorsement provides, for the insured and permissive operators, off premises Liability and Medical Payments to Others coverage for recreational vehicles (other than snowmobiles and golf carts on a golf course). Make or model name of each vehicle. Identification number for each vehicle. Drivers license numbers and dates of birth for household members. Residence Rental Theft HO-80 Extends coverage to loss by theft while the portion of the residence premises usually occupied by the insured is occasionally rented in whole or in part to others, or while there is a roomer or boarder. Refer to the endorsement for the exclusions to this extension of coverage. Available on HO-3 policy form. Not available on HO-3 with HO M015. Requires underwriting approval prior to binding. Regularity of rental. Portion of the dwelling rented. Reason for the rental. This endorsement provides protection on specific items of personal property that may require higher limits or broader coverage than is provided in the Homeowners policy form. Eligible classes of property are jewelry, furs, cameras, musical instruments, silverware, golfer s equipment, fine arts, postage stamps, rare and current coins, and guns. $30,000 maximum value per item. Appraisals on items valued at $10,000 and higher. Items must be insured to 100% of value. Prior approval from the company is required to bind coverage on schedules in excess of $75,000. Description of article. Amount per article. Appraisal (as per guidelines above). Scheduled Property Agreed Value Coverage HO M5350 This endorsement provides coverage for scheduled jewelry with losses settled on the basis of the amount shown on the declarations. Available on HO-5 policy form. $30,000 maximum value per item. Appraisals on items valued at $10,000 and higher. Prior approval from the company is required to bind coverage on schedules in excess of $75,000. Mutual of Enumclaw Insurance Company 20
Forms and Endorsements Descriptions Description of article. Amount per article. Appraisal (as per guidelines above). Sinkhole Collapse HO-99 This endorsement provides coverage for direct physical loss to property covered under Section I caused by sudden settlement or collapse of the earth supporting the property as a result of subterranean voids created by the action of water on limestone or similar rock formations. NO COVERAGE IS PROVIDED FOR MINE SUBSIDENCE. Underwriting guidelines: Available on HO-5 policy form. This coverage should not be offered if: nearby properties have settled, subsided or collapsed as a result of subterranean earth movement or if such losses have occurred on the same property or properties in the last 5 years, or the dwelling was constructed over mining sites, underground caves or on filled ground. Maps showing the location of steep slopes, subterranean caverns and mines may be used to determine eligibility for the endorsement. Information required to add the endorsement: Location of property to be insured. Snowmobile Liability HO M164 This endorsement provides, for the insured and permissive operators, Personal Liability and Medical Payments to Others coverage for owned snowmobiles off an insured location, subject to certain limitations. This is a mandatory endorsement. Special Computer Coverage HO-314 Computers and related equipment may be insured against additional risks of physical loss subject to certain exclusions. The limit of liability for a computer is not increased by this endorsement. Not available on HO-3 policy forms with an HO M015 endorsement attached or HO-5 policies. Special Personal Property Coverage HO M015 By attachment of this endorsement, the policy is amended to insure Coverage C against additional risks of physical loss subject to certain exclusions. Earthquake coverage is excluded. Available only on HO-3 and MH-3 policy forms. Personal Property Replacement Cost must be written on Coverage C - Personal Property. Policy must be written with at least a $500 deductible. Special Provisions Idaho HO M301ID, HO M401ID, HO M501ID, HO M601ID These forms modify certain provisions in the policy to meet specific state requirements. Structures Rented to Others (Residence Premises) HO-40 This endorsement extends Section I and Section II Coverage to specified structures on the residence premises rented to anyone other than a tenant of the dwelling for use as a private residence. Coverage B does not apply to structures scheduled on this endorsement. Structure description including construction type, square footage and use. Limit per structure. Mutual of Enumclaw Insurance Company 21
Forms and Endorsements Descriptions Theft of Building Materials Dwelling Under Construction HO M012 This endorsement provides coverage for theft from the insured location of personal property and building materials or supplies for a home under construction. Coverage is limited to 10% of the Coverage A - Dwelling limit. The premium is fully earned when written. Coverage expires at the first policy expiration date or when the dwelling is completed and occupied, whichever comes first. If an extension of coverage past the first expiration date is desired Underwriter approval is required. An additional fully earned premium will be applied. No further coverage extension will be allowed. Underwriting guidelines: Available on HO-3 and HO-5 policy forms. Three or Four Family Dwelling Premises Liability HO-74 (Form HO-4) Location mobilehome is being moved from. Location where mobilehome is being moved to. Effective Date. Deductible Amount. Unit-Owners Coverage A Special Coverage HO-32 The Section I Perils Insured Against may be broadened for Coverage A to Special Form by adding this endorsement. Available on HO-6 policy forms. This endorsement is attached only when the insured owns a 3 or 4 family dwelling and occupies one of the units. While the structure is insured under another policy, the insured may obtain coverage for personal property and personal liability on a Contents Broad Form (HO-4) policy. Personal liability is extended to that portion of the structure which is not occupied by the insured when this endorsement is attached. Available on HO-4 policy form. This coverage is not available to a tenant who does not have an ownership interest in the residence premises. Transportation/Permission to Move MH-82 Applies coverage against the transportation perils of collision, upset, and stranding or sinking of the mobilehome for 30 days anywhere in the continental United States or Canada. Available on MH-3 policy form. Mutual of Enumclaw Insurance Company 22
Forms and Endorsements Descriptions Water Backup and Sump Discharge or Overflow HO M095 Provides coverage for for direct physical loss to property covered under Section I caused by water, or waterborne material a. Description, including make and model. b. Horsepower. c. Length of Watercraft. Available on HO-3 policy form. This coverage does not increase the limits of liability for Coverages A, B, C or D stated in the Declarations. $250 deductible applies, no other deductible applies to this coverage. This deductible does not apply with respect to Coverage D. Watercraft Liability HO-75, HO M5075 The endorsement provides Personal Liability and Medical Payments to Others coverages on scheduled and described watercraft. For other than the insured (as defined in the policy) Medical Payments to Others includes waterskier medical coverage. We offer coverage for family type boats capable of moderate speeds used in private recreation. Please refer to the Watercraft Product Guide for boat eligibility guidelines. All Boats: a. Drivers license number and dates of birth for household members. Outboard Motor, Inboard or Inboard/Outdrive Watercraft a. Description, including make and model. b. Horsepower. c. Length of Watercraft. d. Owner of outboard motor (if not the insured). Sailing vessel Mutual of Enumclaw Insurance Company 23