“all star” homeowners · i. unusual risks including basement homes, log homes, earth homes,...

Iowa “All Star” New Business 04-01-20 North Star Mutual Ins. Co. Renewals 04-01-20

“ALL STAR” HOMEOWNERS

TABLE OF CONTENTS

ITEM NSASHO PAGE

Actual Cash Value Loss Settlement - Windstorm or Hail Losses to All Exterior Surfaces ....... 7 Actual Cash Value Loss Settlement - Windstorm or Hail Losses to Roofs ............................... 7 Additional Insured ..................................................................................................................... 15 & 22 “All Star” Homeowners Policy Forms - Mandatory .................................................................... 5 “All Star” Homeowners Program ............................................................................................... 1 Babysitting ................................................................................................................................. 19 Back Up of Sewers, Drains and Sump Systems ....................................................................... 16 Billing Procedures ..................................................................................................................... 5 Business Activities .................................................................................................................... 21 Calculation of Premium ............................................................................................................. 5 Common Loss Deductible ......................................................................................................... 8 Companion Policy Discount ...................................................................................................... 12 Coverages Property Coverage Section ................................................................................................ 1 Liability Coverage Section .................................................................................................. 1 Deductibles, Explanation of....................................................................................................... 8 Earthquake Coverage ............................................................................................................... 17 Eligibility and Underwriting Requirements ................................................................................ 2-3 Enhancement Endorsements .................................................................................................... 16 Farm Liability Coverage Additional Insured ............................................................................................................... 22 & 15 Base and Additional Charges ............................................................................................. 22 Damage to Property of Others ............................................................................................ 22 Employer’s Liability ............................................................................................................. 22 Horses ................................................................................................................................ 22 & 21 Fire Protection Definitions ......................................................................................................... 4 Higher Limits on Certain Property Business Property............................................................................................................... 16 Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery, and Counterfeit Money ............................................................................................................................ 17 Fire Department Service Charge ........................................................................................ 17 Guns and Gun Accessories ................................................................................................ 18 Money ................................................................................................................................. 18 Motorized Vehicles ............................................................................................................. 18 Silverware, Goldware, Platinumware and Pewterware ..................................................... 18 Unscheduled Jewelry, Watches and Furs ........................................................................ 18 Horses ....................................................................................................................................... 21 & 22 Identity Theft Protection ............................................................................................................ 13 Inboard, In/Outboard Motor Boats, Sailboats and Personal Watercraft Liability ...................... 20 Incidental Office ........................................................................................................................ 19 Increased Limits or Additional Residence Premises ................................................................. 19 Inland Marine Coverages .......................................................................................................... 23 Installed Equipment Breakdown Coverage ............................................................................... 14 Insurance Score ........................................................................................................................ 9 Location of Risk Modifiers (LORM) ........................................................................................... 4 Loss Assessment/Association Deductible - Described Location ............................................. 18 Mandatory Coverages ............................................................................................................... 2 Mature Homeowners Discount .................................................................................................. 12 Metal Roof Discount .................................................................................................................. 11 New Home Discount ................................................................................................................. 11

Iowa “All Star” New Business 05-01-19 North Star Mutual Ins. Co. Renewals 05-01-19

“ALL STAR” HOMEOWNERS

TABLE OF CONTENTS CONTINUED

ITEM NSASHO PAGE

Optional Coverages - Liability ................................................................................................... 19-21 Optional Coverages - Property.................................................................................................. 14-18 Ordinance or Law ...................................................................................................................... 10 Outboard Motors Liability .......................................................................................................... 20 Personal Property - Increase .................................................................................................... 7 Policy Term ............................................................................................................................... 3 Premium Charts, Explanation of ............................................................................................... 3 Premium Discounts for Protective Devices ............................................................................... 11 Protected Subdivision Discount ................................................................................................ 12 Rate Pages - Base Premium Chart ........................................................................................... 6 Rating Territories and Location of Risk Modifiers ..................................................................... 4 Recreational Vehicles Liability .................................................................................................. 22 Related Private Structures ........................................................................................................ 14-15 Roof Surface Replacement Cost Factor ................................................................................... 10 Standard Limits ......................................................................................................................... 1 Theft Coverage - Residence Under Construction ..................................................................... 15 Underground Service Line Coverage ........................................................................................ 14 Underwriting Rules For Recreational Vehicles and Watercraft ................................................. 23 Valued Customer Discount ....................................................................................................... 12 Wood Shingle Surcharge .......................................................................................................... 12

Iowa “All Star” New Business 05-15-15

North Star Mutual Ins. Co. NSASHO - 1 Renewals 05-15-15

“ALL STAR” HOMEOWNERS PROGRAM

PROPERTY COVERAGES will automatically be periodically updated based on changing dwelling construction cost factors. A statement to this effect is contained in the application and the application must be signed by the applicant. The residence must be insured to 100% of Replacement Cost, the application must be completed and a photograph of the residence attached.

The “ALL STAR” Homeowners Program is designed for risks of a better class in all respects and basically for dwellings that are 30 years old or less. This will require careful original risk selection and continuous monitoring by the agent.

COVERAGES

The “ALL STAR” Homeowners policy provides property and liability coverages as described below.

PROPERTY COVERAGE SECTION

The NS-5 “ALL STAR” Homeowners Form provides the following property coverages:

1. Covers the residence, private structures, personal property and additional living costs against risks of direct physical loss unless the loss is excluded.

2. Provides expanded coverage replacement cost coverage to the dwelling not to exceed 125 percent of the Coverage A limit.

3. Replacement Value on personal property is an automatic coverage, subject to the limit shown on the Declarations for Coverage C.

4. Refrigerated Property coverage is automatically included. This provides coverage, without special limit, for refrigerated property lost due to interruption of electrical service or by mechanical or electrical breakdown of the refrigeration system. No deductible applies.

5. Debris removal coverage is broadened to include $1,000 coverage ($500 per tree) for the cost of the removal of tree debris caused by Windstorm or Hail (need not have damage to “insured property”).

6. Lock And Garage Door Transmitter Replacement Coverage is automatically included. This provides coverage for the cost to replace locks on exterior doors of the insured dwelling when the keys to those locks are a part of a covered theft loss. This also provides coverage for the cost to replace a portable transmitter that is part of an automatic garage door opening system if such transmitter is lost or stolen. No deductible applies.

LIABILITY COVERAGE SECTION

1. Personal Liability - Covers payment on behalf of the insured of all sums which he/she shall become legally obligated to pay as damages because of bodily injury or property damage caused by an occurrence arising out of his/her premises or personal activities.

2. Medical Payments - Covers medical expenses incurred by persons, other than the insured, who sustain bodily injury caused by an accident arising out of the insured’s premises or personal activities.

3. Personal Injury coverage is automatically included up to the Personal Liability limit. 4. Watercraft with outboard motors of 50 HP or less are automatically included for liability and medical payments.

STANDARD LIMITS

Following are the standard limits under the “ALL STAR” Homeowners Policy:

Coverage Limits

A. Residence - Minimum Amount $200,000 B. Private Structures 10% of limit on residence C. Personal Property 75% of limit on residence D. Additional Living Costs Actual Loss sustained in 12 months L. Personal Liability $100,000 Each Occurrence M. Medical Payments to Others $1,000 Each Person Note: Coverages B and C cannot be reduced.



MANDATORY COVERAGES

It is mandatory that insurance be written for all coverages provided under both the Property Coverage and the Liability Coverage Sections of the Homeowners Policy.

The Liability Coverage Section of the policy requires coverage for the following exposures and the additional premium developed from the Premium Charts must be charged when such exposures exist:

1. ALL additional residence premises where the Named Insured or spouse maintain a residence other than business or farm property;

2. ALL residence employees of the Named Insured or spouse not covered or not required to be covered by Workers Compensation Insurance (charges required for residence employees in excess of 2); and

3. Incidental office, professional, private school or studio use by the insured on residential premises of the insured.

ELIGIBILITY AND UNDERWRITING REQUIREMENTS

1. A completed Homeowners application must be submitted along with at least two recent photos of the property (front and rear). Photos of all structures on the premises should be submitted for review. Use the MSB/RCT Software program and attach the RCT printout.

2. Only 1 family owner-occupied dwellings (single unit dwelling only – no townhouse/duplex) used only for private residential purposes and with no more than 2 boarders or roomers are eligible.

3. A policy may be issued to cover a dwelling in the course of construction provided the policy is issued only in the name of the intended owner-occupant of the dwelling and will be completed within approximately 6 months. Coverage must be written at 100% of expected completed value.

4. The minimum limit available shall be $200,000. 5. Maximum limits available for dwellings are $1,000,000 if Protected, $800,000 if Partially Protected, and

$750,000 if Unprotected. Maximum limit available for dwellings that qualify for the Protected Subdivision Discount is $800,000.

6. The dwelling must be insured for 100% of current replacement cost. Contents will also be on a replacement cost basis and cannot be written for less than 75% of Coverage A - Residence.

7. A new building valued at $5,000 or more must be reported within 90 days. An addition to or remodeling of a covered building which increases its value by $5,000 or more must be reported within 90 days. 8. A smoke detector should be placed on each floor. For dwellings with 3 levels, a minimum requirement is that

smoke detectors be placed on at least 2 levels. 9. Only dwellings that are 30 years old or less are eligible for new business or for renewal policies which are being

converted to this plan. Once written on this policy, renewals under this plan will be considered for dwellings exceeding 30 years, subject to proper maintenance, updating and good loss experience.

10. The roof needs to have been reshingled in the last 20 years. (Roof surfaces that are 15 years old or older may not be insured for replacement cost coverage.)

11. Dwellings are not acceptable if they have older wood roofs, clay tile roofs, or if they have asbestos slate roofs or siding.

12. Seasonal dwellings are not eligible for the “All Star” Homeowners policy and are to be written as a separate policy under our Standard Homeowners program.

13. Dwellings with masonry fireplaces that have a masonry/brick chimney and clay liner will be acceptable. Dwellings with UL approved fireplaces and UL approved metal chimneys are acceptable if they have been installed after January 1, 1986. Dwellings and other structures with any other type of woodburning equipment are not acceptable.

14. Farm Liability is required when: a. there are more than 40 acres; b. the insured has farming operations; or c. there are horses or other livestock. 15. Following is a list of Homeowners risks not to be bound and generally will not be written:

a. Property that is in generally below average physical condition. This program is designed for risks of a better class in all respects. This will require careful original risk selection and continuous monitoring by the agent.

b. Risks cancelled or nonrenewed by other carriers. c. Risks which have sustained 2 OR MORE losses during the past 3 year period. d. Dwelling risks which were not originally designed for dwelling purposes. (e.g., a mercantile building

converted to a dwelling.)



ELIGIBILITY AND UNDERWRITING REQUIREMENTS (Continued)

e. TRAILER HOMES, MOBILE HOMES, DOUBLE WIDE MOBILE HOMES, CONVERTED MOBILE HOMES OR HOUSE TRAILERS whether permanently located with attached leans or not. THESE ARE SPECIFICALLY EXCLUDED FOR HOMEOWNERS COVERAGE.

f. Hobby Farms or any risk formerly occupied as FARM PROPERTY on which any former farm buildings still exist.

g. Homes with more than 2 related private structures or with a related private structure larger than 1,600 square feet.

h. Dwellings without a central heating system (other than all-electric homes). i. Unusual risks including basement homes, log homes, earth homes, dome homes, and homes with flat roofs.

j. Risks where insureds have a history of financial instability within the last 5 years. k. Risks with wild animals or pets that show aggressive or vicious tendencies. l. Risks with Dobermans, Rottweilers, Presa Canarios (also known as Canary Island Cattledog), Pit Bulls,

including, but not limited to, American Pit Bull Terriers, American Staffordshire Terriers, or Staffordshire Bull Terriers, Chows, or dogs with aggressive tendencies.

m. Do not submit risks with swimming pools, unless prior approval has been received from a North Star Underwriter.

POLICY TERM

Policies are written on a 1 year term basis. The policy will automatically be renewed each year with an updated declarations page. The policy will be subject to the premiums, rules and forms in effect at the time of renewal. Policyholders will initially receive copies of all policy forms. Upon renewal they will receive only an updated declarations and forms that are new or revised. Policyholders may receive all policy forms upon request – a statement notifying the insured of this will be on each annual declarations.

PREMIUM CHARTS

All premium charts are set up on an annual premium basis.



RATING TERRITORIES AND LOCATION OF RISK MODIFIERS (LORM)

TERR DESCRIPTION LORM

NS-5 Earthquake

TERR. 1 Counties of Boone (excluding city of Ames), Buena Vista, Calhoun, Carroll, Cerro Gordo, Cherokee, Clay, Crawford, Dickinson, Emmet, Floyd, Franklin, Greene, Hamilton, Hancock, Hardin, Humboldt, Ida, Kossuth, Lyon, Mitchell, Monona, O’Brien, Osceola, Palo Alto, Plymouth (excluding city of Sioux City), Pocahontas, Sac, Sioux, Story (excluding city of Ames), Webster, Winnebago, Woodbury (excluding city of Sioux City), Worth, and Wright

1.00 1.00

TERR. 2 Counties of Adair, Audubon, Cass, Guthrie, Harrison, Shelby 1.15 1.00

TERR. 3 Counties of Dallas (excluding cities of Clive, Grimes, Urbandale, Waukee, and West Des Moines), Jasper, Madison, Marion, Polk (excluding cities of Altoona, Ankeny, Clive, Des Moines, Grimes, Johnston, Urbandale, and West Des Moines), and Warren (excluding cities of Des Moines and West Des Moines)

1.05 1.00

TERR. 4 Counties of Cedar, Clinton, Iowa, Johnson (excluding city of Iowa City), Keokuk, Louisa, Mahaska, Muscatine, Poweshiek, Scott (excluding city of Davenport), and Washington

1.05 1.20

TERR. 5 Counties of Adams, Appanoose, Clarke, Davis, Decatur, Des Moines, Fremont, Henry, Jefferson, Lee, Lucas, Mills, Monroe, Montgomery, Page, Ringgold, Taylor, Union, Van Buren, Wapello, and Wayne

1.25 1.20

TERR. 6 County of Pottawattamie (excluding City of Council Bluffs) 1.21 1.20

TERR. 7 City of Council Bluffs 1.28 0.90

TERR. 8 City of Sioux City 1.23 0.90

TERR. 9 City of Des Moines 1.18 1.00

TERR. 10 Cities of Altoona, Ankeny, Clive, Grimes, Johnston, Urbandale, Waukee, and West Des Moines

1.10 1.00

TERR. 11 City of Waterloo 1.15 1.00

TERR. 12 City of Dubuque 1.10 0.90

TERR. 13 City of Cedar Rapids 1.10 1.20

TERR. 14 City of Davenport 1.10 1.20

TERR. 15 City of Ames 1.13 1.00

TERR. 16 City of Iowa City 1.13 1.20

TERR. 17 Counties of Allamakee, Benton, Black Hawk (excluding city of Waterloo), Bremer, Buchanan, Butler, Chickasaw, Clayton, Delaware, Dubuque (excluding city of Dubuque), Fayette, Grundy, Howard, Jackson, Jones, Linn (excluding city of Cedar Rapids), Marshall, Tama, Winneshiek

0.88 1.00

FIRE PROTECTION DEFINITIONS

The following 3 fire protections will apply:

1. Protected: Residence is located within 1,000 feet of a fire hydrant and within 5 road miles of a responding fire department.

2. Partially Protected: Residence is located over 1,000 feet from a fire hydrant, but is within 5 road miles of a responding fire department.

3. Unprotected: All others.

Dwelling normally rated as partially protected may be eligible for a Protected Subdivision Discount - see requirements on page NSASHO-12.



“ALL STAR” HOMEOWNERS POLICY FORMS

The General Policy Terms, a perils section and liability coverage section are issued with every policy. When assembled, the policy must be made up of the following parts:

Policy Jacket Declarations General Policy Terms, A Perils Section and Liability Coverage Section...................................................... NS-5 Iowa Amendatory Endorsement .. ........................................................................................................ NS-0814H Other forms and/or endorsements may be attached depending on optional coverages purchased.

BILLING PROCEDURES

See the Billing Information section of this Agents Manual.

CALCULATION OF PREMIUM

Step 1 - Determine the Base Premium based on Protection Class, and the amount of Coverage A.

Step 2 - Apply applicable Location of Risk Modifier from page NSASHO-4 to the rate determined in Step 1.

Step 3 - Apply Masonry Construction Discount, if applicable, to premium determined in Step 2.

Step 4 Apply Roof Surface Replacement Cost Factor, if applicable, to the premium determined in Step 3.

Step 5 When Metal Roof Discount is desired, apply the appropriate factor to the premium determined in Step 4.

Step 6 - If writing Actual Cash Value Loss Settlement - Windstorm or Hail Losses to Roofs or Actual Cash Value Loss Settlement - Windstorm or Hail Losses to All Exterior Surfaces, apply the appropriate factor to the premium determined in Step. 5.

Step 7 - To increase Coverage C, add the appropriate amount to the premium determined in Step 6.

Step 8 - Modify the amount determined in Step 7 to reflect the selection of a deductible option. (The Base Deductible is $1,000).

Step 9 - Modify the amount determined in Step 8 for all other percentage discounts or charges. Discounts or charges should be multiplied consecutively in the following order: Protected Subdivision Discount, Ordinance or Law, New Home Discount, Protective Device Discount, Mature Homeowners Discount, Companion Policy Discount, Wood Shingle Surcharge. Discounts or charges should not be added together.

Step 10 - Add the additional premium for all other mandatory or optional Property Coverages and all other mandatory or optional Liability Coverages.

Step 11 - Apply the applicable Valued Customer Discount factor to the total policy premium.

Step 12 - Apply the applicable Insurance Score factor to the total policy premium.



RATE PAGES - "ALL STAR" HOMEOWNERS BASE PREMIUMS (For Preferred Homeowners Risks)

(Refer to page NSASHO-4 for Location of Risk Modifiers for each territory)

$1,000 FLAT DEDUCTIBLE APPLICABLE (ALL PERILS) FRAME

PREMIUM INCLUDES $100,000 LIABILITY AND $1,000 MEDICAL PAYMENTS

Cov. A Cov. AAmount Protected Part. Prot. Unprotected Amount Protected Part. Prot. Unprotected

150,000 1,007 1,218 1,511 400,000 2,355 2,850 3,533

155,000 1,023 1,238 1,535 405,000 2,389 2,891 3,584

160,000 1,038 1,256 1,557 410,000 2,423 2,932 3,635

165,000 1,053 1,274 1,580 415,000 2,458 2,974 3,687

170,000 1,068 1,292 1,602 420,000 2,492 3,015 3,738

175,000 1,084 1,312 1,626 425,000 2,526 3,056 3,789

180,000 1,100 1,331 1,650 430,000 2,560 3,098 3,840

185,000 1,124 1,360 1,686 435,000 2,595 3,140 3,893

190,000 1,147 1,388 1,721 440,000 2,629 3,181 3,944

195,000 1,172 1,418 1,758 445,000 2,664 3,223 3,996

200,000 1,197 1,448 1,796 450,000 2,698 3,265 4,047

205,000 1,223 1,480 1,835 455,000 2,732 3,306 4,098

210,000 1,248 1,510 1,872 460,000 2,766 3,347 4,149

215,000 1,273 1,540 1,910 465,000 2,800 3,388 4,200

220,000 1,298 1,571 1,947 470,000 2,833 3,428 4,250

225,000 1,326 1,604 1,989 475,000 2,868 3,470 4,302

230,000 1,353 1,637 2,030 480,000 2,902 3,511 4,353

235,000 1,380 1,670 2,070 485,000 2,936 3,553 4,404

240,000 1,406 1,701 2,109 490,000 2,969 3,592 4,454

245,000 1,434 1,735 2,151 495,000 3,003 3,634 4,505

250,000 1,462 1,769 2,193 500,000 3,037 3,675 4,556

255,000 1,492 1,805 2,238 505,000 3,071 3,716 4,607

260,000 1,522 1,842 2,283 510,000 3,104 3,756 4,656

265,000 1,553 1,879 2,330 515,000 3,137 3,796 4,706

270,000 1,584 1,917 2,376 520,000 3,170 3,836 4,755

275,000 1,615 1,954 2,423 525,000 3,203 3,876 4,805

280,000 1,646 1,992 2,469 530,000 3,235 3,914 4,853

285,000 1,677 2,029 2,516 535,000 3,268 3,954 4,902

290,000 1,707 2,065 2,561 540,000 3,301 3,994 4,952

295,000 1,737 2,102 2,606 545,000 3,334 4,034 5,001

300,000 1,767 2,138 2,651 550,000 3,367 4,074 5,051

305,000 1,794 2,171 2,691 555,000 3,400 4,114 5,100

310,000 1,821 2,203 2,732 560,000 3,432 4,153 5,148

315,000 1,850 2,239 2,775 565,000 3,466 4,194 5,199

320,000 1,878 2,272 2,817 570,000 3,499 4,234 5,249

325,000 1,906 2,306 2,859 575,000 3,532 4,274 5,298

330,000 1,934 2,340 2,901 580,000 3,565 4,314 5,348

335,000 1,963 2,375 2,945 585,000 3,598 4,354 5,397

340,000 1,991 2,409 2,987 590,000 3,631 4,394 5,447

345,000 2,019 2,443 3,029 595,000 3,664 4,433 5,496

350,000 2,046 2,476 3,069 600,000 3,697 4,473 5,546

355,000 2,077 2,513 3,116 EACH ADD'L

360,000 2,107 2,549 3,161 5,000 ADD: 27 33 41

365,000 2,139 2,588 3,209

370,000 2,171 2,627 3,257

375,000 2,202 2,664 3,303

380,000 2,232 2,701 3,348

385,000 2,263 2,738 3,395

390,000 2,293 2,775 3,440

395,000 2,324 2,812 3,486

For Masonry Construction, decrease base policy premium by 10%.



ACTUAL CASH VALUE LOSS SETTLEMENT - WINDSTORM OR HAIL LOSSES TO ROOFS - CF-1545

The policy provides settlement for building losses on a repair or replacement cost basis, subject to certain conditions. The policy may be endorsed to provide loss settlement exclusively on an Actual Cash Value basis for roofs when damage is caused by the peril of Windstorm or Hail. To develop the premium for this option, multiply the base premium by a factor of .95.

ACTUAL CASH VALUE LOSS SETTLEMENT - WINDSTORM OR HAIL LOSSES TO ALL EXTERIOR SURFACES - CF-1738

The policy provides settlement for building losses on a repair or replacement cost basis, subject to certain conditions. The policy may be endorsed to provide loss settlement exclusively on an Actual Cash Value basis for roofs, exterior walls and other exterior surfaces when damage is caused by the peril of Windstorm or Hail. To develop the premium for this option, multiply the base premium by a factor of .90.

PERSONAL PROPERTY - INCREASE

Increase - The limit for Coverage C may be increased at an annual rate of $2.00 per $1,000 of increase.

http://northstarmutual.com/UserFiles/Documents/forms/policyforms/Current/CF-1545%2007-15.pdf

http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/CF-1738%209-09.pdf



DEDUCTIBLES

The policy deductible may be changed by applying the appropriate Modification Factor to:

1. Premium from Base Premium Charts; and

2. Premium for the Related Private Structures optional endorsements and for amended limits for Coverage C.

Deductible Factor

NS-5

$250 Flat 1.30

$250 AOP / $500 Wind/Hail 1.25

$250 AOP / $1,000 Wind/Hail 1.10

$500 Flat 1.10

$500 AOP / $1,000 Wind/Hail 1.05

$500 AOP / $2,000 Wind/Hail 0.96

$1,000 Flat 1.00 (Base)

$1,000 AOP / $2,000 Wind/Hail 0.94

$1,500 Flat 0.96

$2,000 Flat 0.92

$2,500 Flat 0.88

$5,000 Flat 0.76

$10,000 Flat 0.65

COMMON LOSS DEDUCTIBLE – CF-2162

In the event that a covered loss occurs as a result of one occurrence to property covered under more than one policy insured with North Star Mutual, only the highest applicable deductible will apply, regardless of the number of covered property items damaged or destroyed.

The applicable North Star Mutual policies to which this provision applies are:

1. Homeowners; 2. Farmowners; 3. Personal Automobile; 4. Commercial Automobile (applies only to vehicles indicated on the Commercial Automobile declarations as

“Farm Use”); 5. Mobile-Homeowners; and 6. Inland Marine.

This provision will not apply:

1. to property rented to others for a fee when that property is insured on a separate policy than the insured’s owner-occupied property;

2. if the total loss is less than the highest deductible; or

3. if it is in the insured’s benefit that separate deductibles be applied.

http://northstarmutual.com/UserFiles/Documents/forms/policyforms/Current/CF-2162%2004-17.pdf



INSURANCE SCORE A rating factor from the table below will be applied to the total policy premium based on the insurance score of a named insured. The insurance score, from LexisNexis, is developed from credit related information including types of accounts, balance, dates opened, and account activity, plus public records items such as judgments and liens and inquiries initiated by the insured.

Insurance Score Rating Factor Insurance Score Rating Factor

Below 350 1.50 690-699 0.93

350-359 1.50 700-709 0.92

360-369 1.50 710-719 0.90

370-379 1.50 720-729 0.88

380-389 1.50 730-739 0.86 390-399 1.50 740-749 0.85 400-409 1.48 750-759 0.84

410-419 1.46 760-769 0.83 420-429 1.44 770-779 0.82

430-439 1.42 780-789 0.81

440-449 1.40 790-799 0.80 450-459 1.38 800-809 0.78 460-469 1.36 810-819 0.77 470-479 1.34 820-829 076 480-489 1.32 830-839 0.75 490-499 1.30 840-849 0.74 500-509 1.28 850-859 0.72 510-519 1.26 860-869 0.71 520-529 1.24 870-879 0.70 530-539 1.22 880-889 0.69 540-549 1.20 890-899 0.68 550-559 1.18 900-909 0.67 560-569 1.16 910-919 0.66 570-579 1.14 920-929 0.65 580-589 1.12 930-939 0.65 590-599 1.09 940-949 0.65 600-609 1.06 950-959 0.65 610-619 1.03 960-969 0.65 620-629 1.00 970-979 0.65 630-639 0.99 980-989 0.65 640-649 0.98 990-997 0.65 650-659 0.97 998 (No Hits) 0.75

660-669 0.96 999 (No Score) 0.75

670-679 0.95 Neutral 0.95

680-689 0.94

Application of the Insurance Score

1. The insurance score will be applied to all new business and to existing policies at renewal. 2. A statement to indicate an insurance score has been used will be shown on the policy Declaration when an insurance score is used. 3. The insurance score used, including No Hits and No Score, will apply for a minimum of 12 months except in cases where corrections

have been made for errors in the insured’s credit history file with the national credit bureaus. A higher score obtained in this process will be applied back to the beginning of the current policy term.

4. The insurance score will be ordered every 3 years, unless an insured requests it at the time of a renewal. However, we do not need to obtain the updated insurance score more frequently than once in a 12-month period.

5. A No Hits or No Score will continue to apply to a policy except in cases where an insurance score is obtained from a national credit bureau. If an insurance score is returned, it will apply.

6. In order to comply with statute, a Neutral score from LexisNexis indicates that the insured’s credit report has been influenced negatively by an extenuating life circumstance such as catastrophic injury or illness, temporary loss of employment or the death of an immediate family member.

7. On or after May 15, 2015, if the insurance score drops at the 3-year review, the amount of increase to the insurance score factor is limited to 0.04 per policy period.



ORDINANCE OR LAW

The policy provides coverage for the increased cost which results from the enforcement of a code, ordinance, or law which regulates the use, construction, repair, demolition, or removal of property following a covered loss. If the covered loss plus the increased cost is more than the applicable limit, an extra 10% of the Coverage A limit is available to cover the increased cost. This 10% limit may be increased by applying the following factors to Coverage A rating:

Increase Total Percentage Factor 15% 25% 1.08 40% 50% 1.21 65% 75% 1.35 90% 100% 1.47 Each Additional 25% Increment 0.13

ROOF SURFACE REPLACEMENT COST FACTOR

As roof surfaces age they become more susceptible to damage by windstorm and hail. To maintain replacement cost coverage, a charge will be made on dwellings with asphalt shingles or Class 4 impact resistant roof surfaces 16 years old and older. The charge also applies to increased limits of Coverage B (HO 3048). For steel or asphalt roofs under 5 years old or Class 4 impact resistant roof surfaces under 14 years old, a credit will be applied. No combinations of discounts will be allowed. Asphalt or steel roofs cannot also qualify for the Class 4 discount.

Impact resistant roof surfaces include any non-wood material earning an impact rating of Class 4 per Underwriters Laboratory (UL) Standard 2218. To qualify for the discount, the impact resistant roof surface must cover the entire roof surface, be installed according to the manufacturer’s specifications, and not be overlaid onto an existing roof. The insured must provide documentation showing the type of roof surface, the date of installation, and the UL Class Rating.

The roof surface age is determined by the difference between the current calendar year and the year the roof surface was installed. For example, calendar year is 2012 and the roof surface was installed in 1995, the roof surface age would be 17 years. When a dwelling has multiple roof surface ages the oldest roof surface age will be used to determine the level of charge.

This factor is not applicable when Actual Cash Value Loss Settlement – Windstorm or Hail Losses to Roofs (CF-1545), Actual Cash Value Loss Settlement – Windstorm or Hail Losses to All Exterior Surfaces (CF-1738), or Cosmetic Damage Exclusion (CF-2051) applies.

Roof Surface Age Asphalt Steel Class 4

New .................................. 0.95 ........................ 0.95 ......................... 0.93 1 Year ............................... 0.96 ........................ 0.96 ......................... 0.93 2 Years ............................. 0.97 ........................ 0.97 ......................... 0.94 3 Years ............................. 0.98 ........................ 0.98 ......................... 0.94 4 Years ............................. 0.99 ........................ 0.99 ......................... 0.95 5 Years ............................. 1.00 ........................ 1.00 ......................... 0.95 6 Years ............................. 1.00 ........................ 1.00 ......................... 0.96 7 Years ............................. 1.00 ........................ 1.00 ......................... 0.96 8 Years ............................. 1.00 ........................ 1.00 ......................... 0.97 9 Years ............................. 1.00 ........................ 1.00 ......................... 0.97 10 Years ........................... 1.00 ........................ 1.00 ......................... 0.98 11 Years ........................... 1.00 ........................ 1.00 ......................... 0.98 12 Years ........................... 1.00 ........................ 1.00 ......................... 0.99 13 Years ........................... 1.00 ........................ 1.00 ......................... 0.99 14 Years ........................... 1.00 ........................ 1.00 ......................... 1.00 15 Years ........................... 1.00 ........................ 1.00 ......................... 1.00 16 Years ........................... 1.02 ........................ 1.00 ......................... 1.01 17 Years ........................... 1.04 ........................ 1.00 ......................... 1.02 18 Years ........................... 1.06 ........................ 1.00 ......................... 1.03 19 Years ........................... 1.08 ........................ 1.00 ......................... 1.04 20 Years and Older .......... 1.10 ........................ 1.00 ......................... 1.05



METAL ROOF DISCOUNT (Cosmetic Damage Exclusion applies)

Dwellings

Dwellings are eligible for a 10% discount when the dwelling has a metal roof surface. The discount also applies to increased limits of Coverage B (HO 3048). This discount is optional and when taken, form CF-2051 Cosmetic Damage Exclusion is added to the dwelling and related private structures insured under Coverage B (HO 3048).

Related Private Structures – NS-248, NS-3540

A metal roof discount is available on a Related Private Structure, specifically insured using Form NS-248 or NS-3540 if it has a metal roof surface. This discount is optional and when taken, form CF-2051 Cosmetic Damage Exclusion is added to the insured structure. Rating information for each form is shown in the Related Private Structures section of this manual.

NEW HOME DISCOUNT

A new dwelling may be eligible for a premium discount as shown in the tables below.

For the purpose of this rule, a dwelling is considered new if it has been completed and occupied within the last 14 calendar years.

The discount shall apply only to the base policy premium (must adjust for the following if applicable: revised limits of Coverage C and the selection of a deductible). It shall not apply to optional coverages or higher limits of property or liability coverages.

Premium Discount Table Year of Construction Discount

Current Calendar Year ... .................................................................................. 28% 1 Year Preceding Current Calendar Year ....................................................... 26% 2 Years Preceding Current Calendar Year ...................................................... 24% 3 Years Preceding Current Calendar Year ...................................................... 22% 4 Years Preceding Current Calendar Year ...................................................... 20% 5 Years Preceding Current Calendar Year ...................................................... 18% 6 Years Preceding Current Calendar Year ...................................................... 16% 7 Years Preceding Current Calendar Year ...................................................... 14% 8 Years Preceding Current Calendar Year ...................................................... 12% 9 Years Preceding Current Calendar Year ...................................................... 10% 10 Years Preceding Current Calendar Year ...................................................... 8% 11 Years Preceding Current Calendar Year ...................................................... 6% 12 Years Preceding Current Calendar Year ...................................................... 4% 13 Years Preceding Current Calendar Year ...................................................... 2%

PREMIUM DISCOUNTS FOR PROTECTIVE DEVICES - HO 6516

The following premium discounts will be allowed for the installation of a burglar alarm, fire alarm or automatic sprinkler system in the dwelling. Systems must be UL approved and maintained in good working condition.

1. Central Station Burglary and/or Fire Alarm System or Smart Home System that alerts central station via internet enabled monitoring system of fire, burglar and automatic water leak shut off - a discount of 10%.

2. Alarm System that alerts the Fire Department or Police Department or Smart Home System that alerts owner of fire, burglar or water leak - a discount of 3%.

3. Automatic Sprinkler System with sprinklers in all areas including bathrooms, attics and attached structures - a discount of 3%. 4. Automatic Sprinkler System with sprinklers not in all areas - a discount of 2%.

These discounts apply to the base policy premium (must adjust for the following if applicable: revised limits of Coverage C and the selection of a deductible). It shall not apply to optional coverages or higher limits of property or liability coverages. Maximum discount allowed is 13%.

http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/HO%206516%2001-06.pdf



PROTECTED SUBDIVISION DISCOUNT

Dwellings normally rated as partially protected are eligible for a Protected Subdivision Discount if the following conditions are met:

1. The dwelling is located within a platted subdivision consisting of five or more homes; 2. The dwelling is within clear view of other occupied dwellings; 3. The subdivision, or a portion thereof, is located within 5 road miles of a responding fire department; 4. The responding fire department has the ability to transport at least 2,500 gallons of water in a single trip; 5. The dwelling is the primary or principal residence of the named insured; 6. The dwelling is located on a good access road; and 7. The dwelling is not located in a severe brush or forested area.

Apply a 10% discount to the partially protected Homeowners Policy base premium rates.

VALUED CUSTOMER DISCOUNT

A discount, for customers of continuous Homeowners policies written with North Star Mutual for 3 or more consecutive years, will be applied starting with the 4th policy period. The discount, as shown in the table below, will be applied to the total policy premium for each policy at each yearly policy anniversary. The maximum discount is 12%, as shown below. Number of Policy Periods Number of Policy Periods With North Star Mutual Factor With North Star Mutual Factor

1st, 2nd & 3rd policy periods 1.00 12th policy period 0.92 4th policy period 0.99 13th policy period 0.92 5th policy period 0.98 14th policy period 0.91 6th policy period 0.97 15th policy period 0.91 7th policy period 0.96 16th policy period 0.90 8th policy period 0.95 17th policy period 0.90 9th policy period 0.94 18th policy period 0.89 10th policy period 0.93 19th policy period 0.89 11th policy period 0.93 20th - 25th policy period 0.88 Over 25 policy periods 0.88

MATURE HOMEOWNERS DISCOUNT

Policies are eligible for a 5% discount if 1 of the insureds is at least 50 years old. This discount would apply to the base premium.

COMPANION POLICY DISCOUNT

Policies are eligible for a 10% discount if the insured’s Personal Auto Insurance is insured through North Star. This discount would apply to the base premium.

WOOD SHINGLE SURCHARGE

All Homeowners policies with risks that have wood shingles will be surcharged 20%. This surcharge would apply to the Base Premium.



IDENTITY THEFT PROTECTION

This protection consists of:

1. Identity Theft Recovery Service

An advocacy service provided through our partnership with CyberScout. This fully case-managed expert service takes care of victims’ problems by leading them through the restoration process, including notifying the appropriate authorities, dealing with governmental agencies, credit collection agencies, credit bureaus, and credit grantors until the crisis is resolved. They even follow-up months later to ensure success.

2. Disaster Document Recovery

CyberScout also assists disaster victims rebuild their original means of identification, as well as recreate other crucial personal and financial documents or help them with emergency authentication if they are impacted by disasters, such as hurricanes, tornados, earthquakes, including acts of terrorism, as well as home fires and floods - regardless of whether an identity theft occurred. Should an identity theft occur as a consequence of such a disaster, their advocate is there to protect and rebuild their identity.

3. Identity Fraud Expense Coverage

Coverage of $5,000 is provided, at no additional cost, for expenses incurred by an insured as the direct result of identity fraud. Identity fraud occurs when an individual’s personal identifying information is used without his or her permission to purchase goods or services, obtain credit, borrow money, or otherwise violate federal, state, or local law. A $100 deductible applies to Identity Fraud Expense coverage.

Coverage is provided for expenses resulting from identity fraud that occurs at any time prior to the end of the policy period and is discovered by the insured during the policy period or during the one-year period that follows. In the event that the insured obtains replacement identity fraud expense coverage, the one-year extended discovery period terminates as of the date the replacement coverage takes effect.

Covered expenses include:

• Costs for obtaining, reproducing, notarizing, or sending affidavits or other pertinent documents; • Costs for telephone calls; • Research fees; • Lost earnings, not to exceed a maximum of $250 per day, per insured, or a total of $5,000 for lost earnings

of all insureds; • Loan application fees for reapplying for a loan; and • Attorney fees to defend lawsuits, remove criminal or civil judgments, or challenge information provided in a

consumer credit report.

Optional higher limits of Identity Fraud Expense Coverage may be purchased:

Amount of Increase Total Limit Additional Premium

$ 5,000 $10,000 $ 5.00 10,000 15,000 10.00 15,000 20,000 15.00 20,000 25,000 20.00



OPTIONAL COVERAGES - PROPERTY

INSTALLED EQUIPMENT BREAKDOWN COVERAGE – NS-2703

For an additional premium, Installed Equipment Breakdown Coverage can be added to the Homeowners. Installed Equipment Breakdown covers mechanical and electrical breakdown of installed equipment in a dwelling. Covered equipment includes: equipment designed and built to operate under internal pressure or vacuum, other than weight of contents, communication and computer equipment and other electrical or mechanical equipment. A $500 deductible applies to equipment breakdown coverage. Coverage limits are as follows:

Coverage A, C & D……………………...$50,000 Spoilage of Perishable Goods …………$ 3,000

Coverage A Amount Rate

$0 - $249,999 $10.00

$250,000 - $499,999 $17.00

$500,000 - $999,999 $25.00

* If Installed Equipment Coverage is wanted on a Form 4 or Form 6 policy use the $0-$249,999 rates.

UNDERGROUND SERVICE LINE COVERAGE – CF-2158

The property coverage form will be extended to provide coverage for direct physical loss to service lines that are owned by the insured or for which the insured is legally liable to repair. This will include such things as underground pipes, including their valves and equipment and also underground wires; that convey a utility service such as water, sewage, electricity, gas, steam or communications to or from the residence on the described location. The loss must be caused by or result from a mechanical breakdown, artificially generated electric current, wear and tear, freezing, including frost heave and thaw or weight of equipment, animals, or people. The limit of coverage is $10,000. The most we will pay for any tree, plant, or shrub is $500. A $500 deductible applies to this coverage

This is an automatic coverage on all Homeowner policies. The insured may request to have this coverage removed.

Additional Premium: $20

The Insurance Score does not apply to this coverage.

RELATED PRIVATE STRUCTURES

Occupied by Insured - HO 3048

Coverage B is intended to provide coverage for structures that are pertinent to the household and not used or designed for business purposes. Typically these are detached garages or small backyard storage sheds for lawn mowers, snow blowers, garden equipment, etc.

When an additional amount of insurance is written on a specific private structure, the following premium shall apply separately to each such structure:

$6.00 per $1,000 coverage (all forms)

This rate must be adjusted by the same Roof Surface Replacement Cost Charge or Metal Roof Discount that is applied to the Dwelling. Form CF-2051, Cosmetic Damage Exclusion is added to the insured structure when the Metal Roof Discount is given.

On Premises - Specifically Scheduled Structures - NS-248

When an acceptable private structure is over 1,600 square feet or there is more than 1 private structure on the premises then the private structure must be specifically scheduled for its full replacement cost. The limit that applies to Coverage B does not apply to specifically scheduled structures. With underwriting approval, a building is acceptable when the following are met:

1. Building is not used or designed for business purposes. 2. Building must be in good condition and qualify for replacement cost. 3. Building must be written at 100% of replacement cost.

https://www.northstarmutual.com/UserFiles/Documents/forms/policyforms/Current/NS-2703%2004-20.pdf

https://www.northstarmutual.com/UserFiles/Documents/forms/policyforms/Current/CF-2158%204-17%20(new).docx.pdf


http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/NS-248%209-09.pdf



RELATED PRIVATE STRUCTURES (CONTINUED)

The following premium shall apply separately to each such structure:

Without Metal Roof Discount $6.00 per $1,000 coverage

With Metal Roof Discount $5.00 per $1,000 coverage (CF-2051, Cosmetic Damage Exclusion applies)

Private Structure Rented to Others - NS-3540

Coverage can be provided for private structures on the described location rented or held for rental to others, used for residential purposes and occupied by no more than 2 families. The limit that applies to Coverage B does not apply to specifically scheduled structures. The following premium shall apply separately to each such structure:

* Without Metal Roof Discount $7.00 per $1,000 coverage

* With Metal Roof Discount $6.00 per $1,000 coverage (CF-2051, Cosmetic Damage Exclusion applies)

* To this charge, add liability charge for residence premises rented to others.

ADDITIONAL INSURED

Additional Insured – HO 6041

Extends coverage for Coverage A - Residence, Coverage B – Related Private Structures, Coverage L - Personal Liability; and Coverage M – Medical Payments to Others for a specifically named party or parties having an insurable interest in the covered property and their liability arising out of the insured premises. Complete name, mailing address and extent of interest of the additional insured(s) is required along with the location to which the insurable interest applies.

No additional premium is charged.

Additional Insured(s) Residents Of Household - NS-433

Extends coverage for Coverage C – Personal Property, Coverage D – Additional Living Costs and Loss of Rent, Coverage L – Personal Liability; and Coverage M – Medical Payments to Others for residents of the named insured’s household who are not related to the insured and who would not otherwise be covered as an insured under the policy. The name of the additional insured(s) is required.

Rates apply per each additional insured. Each add’l Limit of Liability: $100 $300 $500 $1,000 $500 Med Pay

Additional Premium: $12 $16 $18 $27 $3

Additional Insured (Persons or organizations) Interest in Premises Liability (Farm) - GL-70

Covers the additional interest of a person or organization with a liability interest in an insured location. The name and address of the person or organization is required along with identification of which location they have an interest in and the extent of that interest.

See NSASHO-22 for rates.

THEFT COVERAGE - RESIDENCE UNDER CONSTRUCTION - NS-413

All Homeowners forms exclude loss by theft or attempted theft in or to a residence being built or theft of materials or supplies for use in construction of the residence until the residence is occupied. The North Star has available this optional endorsement to provide theft coverage from a residence while it is being built and before it is occupied by the insured.

The Homeowners rules permit the writing of a Homeowners policy on a residence under construction for occupancy by the insured. This endorsement may then be attached to provide theft coverage in those situations.

This endorsement gives the theft coverage for 180 days at a flat premium charge of $20 per $1,000 of coverage. You must specify the amount of coverage wanted on this endorsement. The coverage provided by this endorsement is subject to the policy deductible. The premium charged for this endorsement is a retained premium.




http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/GL-70.pdf

http://northstarmutual.com/UserFiles/Documents/forms/policyforms/Current/NS-413%2007-15.pdf



BACK UP OF SEWERS, DRAINS & SUMP SYSTEMS - NS-208 (This is not Flood Insurance)

For an additional premium, coverage for direct loss to covered property caused by water or matter present in the water that enters the residence through sewers, drains and sump systems may be added. This coverage does not apply to coverage B and D. The policy deductible amount and terms apply to this coverage.

The following underwriting eligibility criteria must be met when writing sewer back-up limits of $10,000 or more:

1. No previous sewer back-up claims in the past 5 years. 2. There must be a sump pump with a battery back-up and/or a generator on site if the home is not a patio home

or slab on grade. The generator can be automatic or portable.

Limit of Liability: $1,000 $2,500 $5,000 $10,000 $15,000 $20,000 $25,000

Additional Premium: $25 $45 $65 $130 $170 $220 $260

NOTE: An agent cannot bind coverage. Coverage does not become effective until 15 days after the effective date shown on the Declarations issued for this coverage (applies if this coverage is new or to any increase of limit).

ENHANCEMENT ENDORSEMENTS

The Homeowner Enhancement Endorsements increase the internal Limits on Certain Property which are built in to the Homeowner base policy form. Two options are available - the HO Extra or the HO Premier. The Arson Reward coverage is an added coverage under either option. Special Limits under Coverage C are increased to the amounts specified for each form. If an increase is requested on individual items, coverage then can be obtained either by not attaching these endorsements and using the previous method or by adding scheduled Inland Marine coverage where available.

HO EXTRA HO PREMIER (Limits) (Limits) Money $ 500 $ 1,000 Securities 2,500 5,000 Electronic Devices In/On Vehicle 2,500 5,000 Electronic Devices For Business Not In/On Vehicle 2,500 5,000 Watercraft 2,500 3,000 Trailers (Not Watercraft) 2,500 5,000 Theft of Jewelry 5,000 7,500 Theft of Silverware 5,000 7,500 Theft of Guns 5,000 10,000 Business Property – On Premises 5,000 7,500 Business Property – Off Premises 1,000 1,500 Motorized Vehicle Used To Service Premises 10,000 15,000 Fire Department Service Charge 750 1,000 Arson Reward 1,000 5,000

Homeowners Extra Enhancement - $55 Attach CF-2094

Homeowners Premier Enhancement - $95 Attach CF-2095

BUSINESS PROPERTY - HIGHER LIMITS - HO 3565

The policy limits coverage for business property on the insured premises to $2,500. Business property while away from the insured premises is limited to 20% of the limit that applies to business property on the insured premises. The limit for business property on the insured premises may be increased.

Additional Premium: $1.00 per $100 coverage (over $10,000, discuss with Underwriting.)





CREDIT CARD, ELECTRONIC FUND TRANSFER CARD OR ACCESS DEVICE, FORGERY, AND COUNTERFEIT MONEY – INCREASED LIMIT

The policy limits coverage for loss by theft or unauthorized use of credit/debit cards, forgery or alteration of checks or drafts, or acceptance of counterfeit paper currency to $1,500. This may be increased to the aggregate limits shown below.

Additional Premium: $ 2,500 $2 5,000 3 7,500 4 10,000 5

EARTHQUAKE COVERAGE - HO 2754

For an additional premium, we insure for direct physical loss to property covered under Coverage A, B or C caused by earthquake. When the Earthquake peril is written, it must be written for the same coverages and the same limits as the other coverages written in the policy.

The deductible is 5% of the limit for each coverage and is subject to a $250 minimum. If the limit on property is increased by endorsement, the total limit is used to determine the deductible.

Apply applicable Location of Risk Modifier from page NSASHO-4 to the base rate shown below.

EARTHQUAKE COVERAGE BASE RATES PER $1,000 OF COVERAGE Frame All Other NS-5 (Coverage A) $.28 $.41 Higher Limits of: Coverage B .28 .41 Coverage C .15 .20 Loss Assessment/Association Deductible (NS-53) .40 .50

NOTE: When the construction of a building is frame; aluminum, plastic or steel siding over frame; or stucco, coverage for exterior masonry veneer is optional – refer to endorsement. If the special exclusion applies (loss to exterior masonry veneer is not covered), rate using the ‘Frame’ rates. If the special exclusion does not apply (loss to exterior masonry veneer is covered), rate using the ‘All Other’ rates.

FIRE DEPARTMENT SERVICE CHARGE - HIGHER LIMIT

The policy limits coverage for Fire Department Service Charge to $500. This may be increased as needed.

Additional Premium: $2.00 per $100 coverage

http://northstarmutual.com/UserFiles/File/forms/policyforms/Current/HO%202754%2001%2015.pdf



LOSS ASSESSMENT/ASSOCIATION DEDUCTIBLE – DESCRIBED LOCATION

Property coverage for loss assessment/association deductible, and liability coverage for loss assessment, arising out of the described location is included at $1,500 for loss assessment/association deductible under incidental property coverages and at $1,500 for loss assessment under incidental liability coverages. The limit under incidental property coverages may be increased.

Loss Assessment coverage (under Incidental Property Coverages) applies when the insured’s financial obligation arises out of an assessment levied by the association and that results from a loss to property that is owned collectively by all association members. Loss Assessment coverage (under Incidental Liability Coverages) applies when the insured’s financial obligation arises out of an assessment levied by the association and that results from “bodily injury” or “property damage” to which Coverage L applies.

Association Deductible coverage applies when a master policy deductible is charged against the insured during the policy period and results from a direct loss to property that:

• would be eligible for coverage under the Homeowners policy if it were owned by an insured or was an insured’s insurance responsibility;

• is covered under the association’s master policy; and • is caused by a peril insured against, other than earthquake, that is covered by the Homeowners policy.

Increased Limit Additional Premium: $5.00 per $1,000 of coverage

GUNS AND GUN ACCESSORIES - HIGHER LIMIT

The policy limits coverage for guns and gun accessories to $2,500 for loss by theft, misplacing or losing. Coverage may be increased as needed.


MONEY - HIGHER LIMIT

Money coverage may be increased from the base limit of $250 to a maximum of $700 at the following rates per $100:

Additional Premium $6.00 per $100 coverage

MOTORIZED VEHICLES - HIGHER LIMIT

The policy limits coverage for motorized vehicles used to service the insured premises and not licensed for use on public roads to $7,500. Coverage may be increased as needed.

Additional Premium: $5.00 per $1,000 coverage

SILVERWARE, GOLDWARE, PLATINUMWARE AND PEWTERWARE - HIGHER LIMIT

The policy limits coverage for silverware, goldware, platinumware and pewterware to $2,500 for loss by theft, misplacing or losing. Coverage may be increased to an aggregate of $11,500.


UNSCHEDULED JEWELRY, WATCHES AND FURS - HIGHER LIMIT

The policy limits coverage for unscheduled jewelry, watches and furs to $2,500 for loss by theft, misplacing or losing. Coverage may be increased to an aggregate of $3,000. When the limit is increased, the most paid for loss to any one article is $1,000.

Additional Premium: $2.00 per $100 of coverage



OPTIONAL COVERAGES - LIABILITY

INCREASED LIMITS OR ADDITIONAL RESIDENCE PREMISES

Liability $100,000 $300,000 $500,000 $1,000,000 For each $500 Med. Medical Payments $1,000 $1,000 $1,000 $1,000 Pay. Add or Discount:

Described Residence Premises: 1 Family $ -- $ 13 $25 $59 $3 Additional Residence Premises Occupied by Insured: 8 9 11 17 1 Additional Residence Premises Rented to Others (NS-70): 1 Family 12 13 15 23 1 2 Family 17 19 22 33 2 3 Family 25 28 32 48 3 4 Family 33 37 42 63 4

Our maximum number of rental units is limited to four 1 to 4 family dwellings. If more, please refer to the Commercial Underwriting Department. Maximum Medical Payments option is $5,000.

Trampoline: $25 Flat Charge.

INCIDENTAL OFFICE - NS-3542

When the insured maintains an incidental office, professional, private school or studio use in the dwelling, which otherwise meets the eligibility requirements, the limit for Coverage C (Personal Property) must not be less than 75% of the Coverage A limit.

Add to the foregoing, the appropriate charge from the following table: Liability $100,000 $300,000 $500,000 $1,000,000 For each $500 Med. Medical Payments $1,000 $1,000 $1,000 $1,000 Pay. Add or Discount:

$13 $15 $17 $26 $1

NOTE: These rates are not to be used for Day Care or Babysitting. Refer to the following page for rates and eligibility.

BABYSITTING - NS-157

North Star will provide Liability and Medical Payments coverage for babysitting in the insured’s home subject to the underwriting rules below:

Underwriting Rules for Babysitting

1. If the insured babysits 5 children or less, we can write the Homeowners policy and also provide liability for babysitting.

2. If the insured babysits more than 5 children, we cannot write the Homeowners policy. Liability $100,000 $300,000 $500,000 $1,000,000 For each $500 Med. Medical Payments $1,000 $1,000 $1,000 $1,000 Pay. Add or Discount:

$48 $58 $64 $96 $2





OUTBOARD MOTORS LIABILITY - HO 3801 Coverage is automatically provided for outboard motors 50 H.P. or less. The policy may be extended to cover Liability and Medical Payments for outboard motors totaling over 50 H.P. by applying the rates shown below. If 2 or more outboards are regularly used together in connection with any single watercraft owned by the insured, the horsepower of all such outboards shall be accumulated for rating purposes. (Houseboats are not eligible)

Limit of Liability Over 50 H.P.

$ 100,000/1,000 $16 300,000/1,000 21 500,000/1,000 24 1,000,000/1,000 36 For each $500 Med. Pay. Add or Discount: 3

INBOARD, IN/OUTBOARD MOTOR BOATS, SAILBOATS & PERSONAL WATERCRAFT LIABILITY - HO 3801 Coverage must be written to expiration of the policy. In Iowa the normal navigational period for an inboard, inboard-outboard motor boat, sailboat or personal watercraft is 6 months. (It is not permissible to stipulate a navigational period for outboard motors.) The premiums shown below are for a 6 month navigational period. (Houseboats are not eligible)

RATING IS BY SIZE AND SPEED

PREMIUMS SHOWN ARE FOR A 6 MONTH NAVIGATIONAL PERIOD

PERSONAL 30 MPH AND UNDER OVER 30 MPH SAILBOATS** WATERCRAFT

Limit of Less than 26 Less than 26 26 feet or over (Per Liability 26 feet to 40 26 feet to 40 in length Each Unit)

$ 100,000/1,000 $22 $45 $53 $ 81 $22 $ 74 300,000/1,000 30 58 71 105 30 95 500,000/1,000 34 66 79 117 34 106 1,000,000/1,000 51 99 119 176 51 159 For each $500 Medical Payments Add or Discount: 2 4 5 7 2 6

See Page NSASHO-23 for Underwriting Rules.

** Sailboats included if under 26 feet. Rates shown are for sailboats 26' to 40' with no auxiliary power. Sailboats that are 26 to 40 feet (inclusive) in length and are equipped with auxiliary power should be classified and rated as inboard motor boats.





BUSINESS ACTIVITIES - NS-71 Coverage may be provided for the liability of an insured arising out of business activities, other than a business of which the insured is sole owner or a partner.

Classify and apply separately for each person insured:

Classification

A - Clerical Office Employees - Salesmen, Collectors or Messengers - No installation, demonstration or servicing. B - Salesmen, Collectors or Messengers - Installation, demonstration or servicing operations. C - Teachers - Athletic, laboratory, manual training, physical training and swimming instruction, excluding corporal

punishment. D - Teachers - Not otherwise classified, excluding corporal punishment. E - Teachers - Liability for Corporal Punishment. Additional premium for this coverage must be added to premium for classification C or D.

Limit of Liability Classification

A B C D E*

$ 100,000/1,000 $ 6 $ 8 $12 $ 7 $ 6 300,000/1,000 7 9 13 8 7 500,000/1,000 8 10 14 9 8 1,000,000/1,000 12 15 21 14 12 For each $500 Med. Pay. Add or Discount: 1 1 1 1 --

* Does not include Medical Payments

HORSES

Riding horses present a much greater liability exposure than the normal Homeowners policy was designed to cover. North Star will provide Liability coverage subject to the underwriting rules below:

Underwriting Rules for Liability Coverage on Horses

1. Horses must be for insured’s own pleasure. 2. We must be notified if horses are in any horse shows or parades. 3. The following situations are not acceptable: a. Insured permits extensive use by friends or relatives. b. Insured gives riding lessons. c. Insured rents horses out. d. Insured is involved in the boarding or training of horses.

To rate this, use the following procedure: Farm Liability Base Charge plus Livestock Exposure Charge plus Horse Charge. See FARM LIABILITY COVERAGE.




FARM LIABILITY COVERAGE

When an insured has more than 40 acres, and/or there are farming operations, and/or there are horses or other livestock, the following charges apply:

Base Coverage includes BODILY INJURY and PROPERTY DAMAGE, MEDICAL PAYMENTS, $1,000 DAMAGE TO PROPERTY OF OTHERS, FIRE LEGAL LIABILITY (Up to Limit of Liability for Coverage L - Personal Liability), EMPLOYER’S LIABILITY (for part time employees working 40 days or less per year), $10,000 coverage for accidental DISCHARGE, DISPERSAL, SPILL, RELEASE OR ESCAPE OF AGRICULTURAL CHEMICALS, LIQUIDS AND GASES and $100,000 limit for accidental SPRAY DRIFT OF AGRICULTURAL CHEMICALS from the insured premises.

For each $500 Liability $100,000 $300,000 $500,000 $1,000,000 Medical Payments Medical Payments $1,000 $1,000 $1,000 $1,000 Add or Discount:

Base Charges

0-160 acres, 1 dwg, 1 set of bldgs * $ 77 $100 $112 $175 $3 161-500 acres, 1 dwg, 1 set of bldgs * 98 128 144 220 3 501-2,000 acres, 1 dwg, 1 set of bldgs * 129 167 187 288 3 2,001-5,000 acres, 1 dwg, 1 set of bldgs * 160 206 231 354 3 5,001-10,000 acres, 1 dwg, 1 set of bldgs * 196 251 285 435 3 Over 10,000 acres, 1 dwg, 1 set of bldgs * 232 297 332 505 3

NOTE: For farm land not operated by the insured/no making of hay and with 5 or less head of horses/other livestock, use 50% of the rates shown above.

* Includes charge for Personal Injury for farm exposure. Personal Injury does not include Medical Payments.

Additional Charges

Additional Farm Premises with Buildings 22 29 32 48 1 (Owned or Rented) If incidental office in any of the above add 13 15 17 26 1 Livestock Liability Exposure Charge 75 80 85 128 2 NOTE: For farm land not operated by the insured/no making of hay and with 5 or less head of horses/other livestock,

use 50% of the Livestock Liability Exposure Charge shown above.

Additional Insured (Persons Or Organizations) Interest In Premises Liability (Farm) – GL-70

See NSASHO-14 for Description 25 32 34 51 3

Horses

1-2 Horses Included in Livestock Liability Exposure Charge above. 3-5 Horses 30 35 40 60 3

See NSASHO-21 for Underwriting Rules

Employer’s Liability (Includes Medical Payments) (This does not replace Worker's Compensation coverage that may be required.)

EACH FULL TIME EMPLOYEE, 41 53 59 89 1 (working 180 days per year or more) EACH PART TIME EMPLOYEE, 23 28 30 45 1 (working over 40 days, but less than 180 days per year)

Damage To Property Of Others

(Includes damage by animals and farm machinery of others coverage - $500 limit included without additional premium charge)

Limit of Liability: $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000

Additional Premium: $10 $20 $30 $40 $50 $60 $70 $80 $90



RECREATIONAL VEHICLES LIABILITY - NS-704 OR CF-1849 Liability and Medical Payments may be extended to provide off-premises coverage for Snowmobiles and unlicensed All Terrain Vehicles (NS-704) by applying the rates shown below. This does not provide coverage for (1) any Recreational Motor Vehicle licensed for road use or (2) motorcycles, trail bikes, dirt bikes, mini bikes or similar 2-wheel type vehicles.

Snowmobiles & Unlicensed All Terrain Vehicles ATV's Licensed for Road Use Limit of Liability (1 Charge) (Per Unit) $ 100,000/1,000 $46 $25 300,000/1,000 59 32 500,000/1,000 66 36 1,000,000/1,000 99 54 For each $500 Med. Pay. Add or Discount: 5 5

Liability and Medical Payments may be extended to provide on and off premises coverage for licensed ATV's (CF-1849) at the per unit charge shown above. Golf Carts - Coverage is included in the base policy while golf cart is being used for golfing purposes away from

premises. Coverage for liability and medical payments arising out of the off-premises use of golf carts, not subject to motor vehicle registration, for purposes other than golfing may be available - please call a Home Office underwriter.

NOTE: Either NS-704 or CF-1849 will automatically be added to a policy when Inland Marine coverage for snowmobiles or ATV's is requested unless the insured specifically declines liability coverage.

INLAND MARINE COVERAGES Coverage for Watercraft, Home Computers, Recreational Vehicles, Scheduled Personal Property and other Inland Marine classes may be endorsed onto the Homeowners. Complete and attach an Inland Marine Application. Refer to the Inland Marine Section of this Agents Manual for forms, rules, rates and underwriting criteria.

UNDERWRITING RULES FOR RECREATIONAL VEHICLES & WATERCRAFT 1. Coverage may not be bound for collision coverage on snowmobiles. A visual inspection and photo that verify

no existing damage are required before collision coverage may be bound.

2. Physical damage coverage must be for 100% of present value. Liability and medical payments must be

concurrent with Homeowners Policy to which attached.

3. Coverage can be included under the Homeowners for either liability or physical damage. It is not mandatory to

include both as long as the applicant fully understands the coverage he/she has purchased.

4. Snowmobiles, ATV’s, personal watercraft, golf carts, boats and motors are not acceptable:

a. If licensed for road use (Does not apply to CF-1849).

b. If used for business purposes.

c. If used for racing, competition or similar contest purposes or any stunting activity.

d. If rented to others.

e. If the engine or gear ratio has been modified for speed or acceleration purposes.

f. If there are 2 or more chargeable accidents or traffic violations in the past 3 years or if there have been any

accidents or violations when written on a Tenant's Contents policy.

g. Where there has been a conviction for driving under the influence, open bottle violation, careless or reckless

driving, hit and run, or leaving the scene of an accident in the past 3 years.

h. Where the principal operator is under 18 years old.

5. Dirt bikes, mini bikes, mopeds, cabin cruisers, yachts, inboards or houseboats are not acceptable.

6. Submit any other type of recreational vehicles to Home Office before binding.

7. Submit the drivers license number and the date of birth of all operators.

8. Refer to the Inland Marine Section of this manual for Inland Marine underwriting criteria for Recreational

Vehicles and Watercraft.


http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/CF-1849%201-11.pdf