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FARM AND RANCH INDEX

Subject FR Number or

Coverage Manual Page

Rate Page

Acceptability — G-4 — Additional Coverages for Potatoes in Storage FR 106 G-41 R-15 Additional Dwelling—Off farm (Liability) FR 108 G-41 R-21 Additional Dwelling—On farm (Liability) FR 107 G-41 R-21 Additional Dwelling Household Contents Coverage B G-10 — Additional Interest—Equipment FR 045 G-37 R-19 Additional Interests—Residence Premises FR 010 G-31 R-10 Additional Insured Endorsement FR 035 G-36 R-18 Additional Insured -- Insured Location Only FR 036 G-36 R-18 Additional Insured Location FR 105 G-15, G-41 R-21 Additional Insured—Student Living Away from the

Residence Premises FR 027 G-35 R-18

Additional Residence — Rented to Others FR 070 G-39 R-19 Aeration Fans — G-15 — Agricultural Equipment Endorsement FR 021 G-33 R-12 Animal Bites G-15 Antennas (TV and Business Band) FR 101 G-15, G-41 R-14 Apiary Operations FR 023 G-35 R-12, R-16, R-18 Applications Not Completed — G-1 — Assisted Living Care Coverage FR 059 G-38 R-13, R-19

Backup of Sewer, Drain or Sump Pump Endorsement FR 003 G-30 R-10 Basic Limits — Section I and Section II — G-14 — Bees — See Apiary Operations Binding Authority — G-1 — Blanket Farm Personal Property Coverage F G-12 R-9 Boat Lifts and Docks — G-15 Building Improvements, Alterations or Additions –

Increased. Coverage. B FR 051 G-37 R-13

Building Classification (Outbuildings) — G-16 — Building in the Course of Construction—Outbuilding — G-15 — Buildings and Structures Coverage G G-12 R-7/R-8 Business Inventory — G-16 — Business Property—Increased Limits FR 012 G-32 R-11 Business Pursuits FR 071 G-40 R-20, R-21

Cancellation — G-2 — Care, Custody or Control Increased Coverage End. FR 031 G-36 R-18 Cattle (Defined) — G-17 — Child Care Endorsement (Home Day Care) FR 097 G-40 R-21 Collapse Coverage (Outbuildings) Peril 18 G-17 R-7/R-8 Computers — G-17 — Computer-Related Damage Exclusions FR 017 G-33 R-11, R-17 Computer-Special Coverage FR 018 G-33 R-11

September 2014 G-i Battle Creek Mutual

April 2016 G-ii Battle Creek Mutual

Confined Livestock — G-17 — Contents Coverage for Children at College — G-17 — Contents Coverage in Storage — G-18 — Continued In Force Discount –see Longevity Discount Coverage B Increased Special Limits of Liability FR 065 G-39 R-14 Credit Bureau Reports — G-18 — Credits and Class Rules (Outbuildings) — G-16 R-7 Custom Combining — G-18 — Custom Farming FR 022 G-34 R-12, R-17 Custom Machinery — — R-12 Custom Stack Moving G-35

Deductibles — G-6 R-5 Depreciation Schedule for ACV on Dwellings and

Outbuildings G-18

Diagram Requirements — G-18 — Dog Exclusion Endorsement FR 115 G-42 R-22 Dog Exclusion Endorsement Number 2 FR 117 G-42 R-22 Dwelling Credits — G-18 R-4 Dwelling Coverage Selections FR-1, 2, 3, 5,MH G-10 R-1 to 6 Dwelling — Hired Labor — G-18 — Dwelling in Transit – See Mobile Home in Transit Dwelling — Minimum Values G-6 — Dwelling New Business Underwriting Rules — G-7 — Dwelling Renovation — G-19 — Dwelling Rental — G-19 — Dwelling Replacement Cost Valuation — G-19 — Dwelling — Seasonal FR-1, FR-2, FR-3 G-19 R-4 Dwelling — Shingles G-19 — Dwelling — Under Construction G-19 — Dwelling — Used For Storage — G-20 — Dwelling — Vacant – In City / On Occupied Farmstead FR-1, or Cov. G G-20 R-1 & 7 Dwelling — Vacant – On Vacant Farm Site Coverage G G-20 R-7

Eligibility G-4 Elevators — See Grain Storage Structure Equipment Breakdown Enhancement Endorsement FR NE EB G-42 R-15 Exclusions for Computer-Related Damage or Injury FR 017 G-33 R-11, R-17 Exclusion of Cosmetic Loss to Metal Roof Coverings

Caused By Hail FR 118 G-42 R-15

Exclusion of Terrorism and Exclusion of War FR 100 G-40 R-14 Extended Theft Cov. For Residence Premises Rented FR 041 G-37 R-13

Family Medical Coverage N G-13 R-16 Farm Employers Liability Coverage L G-13 R-16/17 Farm Employee's Medical Payments Coverage M G-13 R-16/17 Farm Land Out of State G-20 — Farm Machinery—Foreign Object Ingestion FR 10B G-31 R-11 Farm Machinery Rental Reimbursement Endorsement FR 016 G-33 R-11 Farm Personal Property Cov. D, E, & F G-10 to G-12 R-9 Farm Property Definition — G-4 — Fences/Corrals/Windbreaks — G-20 — Fire Department Service Charge FR 102 G-20, G-41 R-14 Fish House — G-20 —

April 2018 G-iii Battle Creek Mutual

Flood Insurance — G-20 —

Fuels and Fuel Tanks — G-20 —

Functional Replacement Cost Loss Settlement FR 030 G-36 R-13

Fungi Coverage FR 026, FR 028 G-35 R-12, R-18

Glass in Mobile Farm Equipment FR 013 G-20 R-11

Golf Carts — G-21 —

Grain In Dryers — G-21 —

Grain Storage Structure (Elevators) Coverage G G-21 R-8

Hay D.2., E.2. G-21 R-9

Header Trailer G-21

Heat Lamps — G-21 —

Hired Labor Cov. L and M G-13 R-17

Hog Confinement G-21 R-8

Home Day Care Endorsement FR 097 G-40 R-21

Horse Trailers — G-21 —

Household Personal Property (Farm Tenant’s) Coverage B G-10 R-5

Household Personal Property—delete Cov. B Coverage B R-10

Household Personal Property Increased Limit Coverage B R-10

Identity Fraud Expense Coverage FR 055 G-38 R-13

Increased Limits on Business Property FR 012 G-16, G-32 R-11

Ineligible Risks (Unacceptable) — G-4 —

Information Required to Bind — 4 Key Pieces G-2

Jet Skis — See Watercraft Policy

Landlord-Tenant — G-21 —

Late Fee G-3

Lead Based Paint Exclusion FR 121 G-42 R-22

Lease Agreement — G-21 —

Leased Machinery — G-21 R-9

Leased Watercraft or Snowmobile — G-22 —

Liability Coverages (L, M, N) Exclusion FR 113 G-42 R-22

Lienholder — G-22 —

Limited Fungi, Wet or Dry Rot or Bacteria Coverage FR 026, FR 028 G-35 R-12, R-18

Livestock Blizzard Endorsement FR 10A G-31 R-10

Livestock Collision Coverage FR 052 G-37 R-13

Livestock Suffocation Endorsement FR 008 G-30 R-10

Livestock Mortality Endorsement FR 009 G-30 R-10

Longevity Discount --- G-22 ---

Loss Payable Provisions FR 112 G-41 R-15

Loss Ratio/Claim Frequency Rating Factor — G-22 —

Loss Settlement Provisions G-9, G-22

Machinery — Foreign Objects FR 10B G-31 R-11

Machinery Borrowed or Rented for 30 Days or Less FR 013 G-22 R- 9, R-11

Machinery Rented for Over 30 Days. Also Leased Machinery

G-22 R-9

Machinery Used in Apiary Operations FR 023 G-35 R-12

Machinery Used in Custom Farming FR 022 G-34 R-12

Mandatory and Optional Coverages — G-14 —

May 2018 G-iv Battle Creek Mutual

Manufactured Home Loss Settlement FR MH 04 G-42 R-15 Manufactured Home Risk Qualification G-8 — Mature Homeowner Discount G-19 R-4 Medical Payments to Others Coverage M G-13 R-16 Milk Contamination — G-23 — Mobilehome Additions FR-MH — R-6 Mobilehome Coverage Coverage A G-8 R-6 Mobilehome Vendor’s Single Interest Endorsement FR MHV G-42 R-15 Mobilehome In Transit — G-23 — Modular Homes G-8 Multi-Line Discounts G-23 R-5 Names and Addresses — G-2 — Named Insured — G-23 — New Business Eligibility G-5 to G-7 New Home Discount G-18 R-4 New Roof Discount G-19 R-4 Newly Acquired Premises G-23 — Non-Conventional Heat Surcharge G-23 R-4 to 7 Non-Owned Livestock FR 10C G-31 R-11 Non-renewed or Cancelled G-6 Non-Sufficient Funds Checks G-3 Office (Permitted Incidental Occupancy) FR 042 G-37 R-19 Other Members of Your Household FR 058 G-39 R-13, R-19 Outbuilding Classification — G-16 — Outbuilding Replacement Cost Valuation — G-23 Outbuildings (Buildings and Structures) Coverage G G-12 R-7/R-8 Outdoor Antennas FR 101 G-15, G-41 R-14 Owned Recreational Vehicle Endorsement FR 064 G-24, G-39 R-19 Partnership Operation — G-23 — Payment Plan G-3 Peak Season Limit of Insurance FR 103 G-41 R-15 Perils — FR Policy G-9 Permitted Incidental Occupancies—Only Specified

Residence Premises FR 042 G-37 R-19

Personal Injury FR 082 G-40 R-21 Personal Property at Other Residences—Incr. Limit FR 050 G-37 R-13 Personal Property Replacement Cost Loss Settlem’t FR 090 G-40 R-14 Personal Liability Coverage L G-13 R-16 Photograph Requirement — G-24 — Poles and Outdoor Wiring — G-12 R-7 Policy Term — G-3 — Pollution — G-24 — Pollution Liability Coverage – Property Damage Liability Deductible

FR 123 G-42 R-22

Portable Calf Shelters — G-24 — Potatoes in Storage, Additional Coverages FR 106 G-41 R-15 Potatoes in Storage (Peak Season) – Blanket FR 103, FR 104 G-41 R-15 Potatoes in Storage (Scheduled) Coverage D.2. G-11 R-9 Property Damage Deductible FR 040 G-36 R-18 Protective Device Credits — G-18 R-4 Pumps — G-24

Rate Level — G-5 R-5 Recreational Vehicle Liability FR 064 G-24, G-39 R-19 Recreational Vehicle Physical Damage FR-015 G-25, G-32 R-11 Reinstatements — G-1 — Rented Dwellings FR 070 G-39 R-19 Replacement Cost (Dwellings) — G-25 — Replacement Cost (Household Personal Property) FR 090 G-25, G-40 R-14 Replacement Cost (Outbuildings) — G-25 R-7 & 8 Rewrites — G-25 — Saddles and Tack Equipment — G-25 — Satellite Receivers – See Antennas Scheduled Farm Personal Property Coverage D G-10 to G-11 R-9 Scheduled Personal Property Endorsement FR 061 G-38, G-39 R-13 Seed Held For Resale G-25 Seedsmen’s Liability Endorsement—excluding

delivery and erroneous mixture FR 014 G-32 R-17

Seedsmen’s Liability Endorsement—including delivery and erroneous mixture

FR 110 G-41 R-22

Shingles—see Dwelling Shingles Shop Tools — G-26 — Solid Fuel Burning Units — G-26 to G-27 R-4 to R-7 Special Computer Coverage FR 018 G-33 R-11 Special Coverages Endorsement FR 013 G-32 R-11 Specifically Rated Risks — G-27 R-8 Specified Additional Amount of Ins. For Cov. A FR 020 G-33 R-12 Steel Bins Coverage G R-7 Stock Fountains — G-27 — Swimming Pools — G-27 —

Tenants Unscheduled Household Personal Property Coverage B G-10 R-5 Territory G-28 R-5 Tools at College FR 012 G-28 R-11 Trampoline G-28

Unacceptable Risks — G-4 — Unlicensed Motor Vehicle Coverage G-28 Unlicensed Trailer G-28 Unscheduled Farm Personal Property Coverage E G-11 R-9

Vacant Farm — G-28 —

Water Back Up and Sump Pump Discharge FR 003 G-30 R-10 Watercraft Liability — See Watercraft Policy Wind Generators FR 021 G-28 R-12 Workers Compensation — G-28 —

September 2014 G-v Battle Creek Mutual

September 2014 G-vi Battle Creek Mutual

October 2016 G-1 Battle Creek Mutual

FARM AND RANCH Underwriting Guidelines BINDING AUTHORITY

As an agent of Battle Creek Mutual Insurance Company, you are authorized to bind the Company for all lines of Property and Casualty which you are licensed to sell, except for limitations listed below.

When you bind coverage on a new Client Account, the completed application(s), with full mode payment* (and photos if applicable), must be received by the Home Office within 10 days of the date and time coverage is effective. If not, coverage will be effective the date it is received in the Home Office. When you bind coverage on existing accounts, the completed applications or changes must be received by the Home Office within 10 days of the date and time coverage is effective. If not, coverage will be effective the date it is received in the Home Office. You have authority to bind up to $2,000,000 on a Farm and Ranch risk, but not more than $300,000 on one structure.

* Money need not be collected if we are to bill escrow.

Do not bind any risk, coverage or limits inconsistent with the rules of this manual without written specific authority.

APPLICATIONS NOT COMPLETED

If an application is not fully completed, we will request the needed information. If the necessary information is not received within ten (10) days, we will proceed with an issue/cancel.

REINSTATEMENTS

A lapsed or expired policy may be reinstated at the Company's option but is subject to the following rules:

1. If lapsed or expired for more than 60 days, a new application and the necessary supplementalinformation must be submitted to rewrite the risk. If the billing department receives payments(submitted by agents and insureds) on policies that have lapsed or expired for more than 60 days,they will return these checks to the sender along with a form letter stating that no coverage is inforce. We will reinstate/renew with no gap in coverage if payment is received within 17 days ofthe due date or expiration date. If payment is received between 18 and 60 days after the duedate or expiration date, we will reinstate/renew with a gap in coverage.

2. If money (full payment) is sent in by the insured, reinstatement will be effective 12:01 a.m. on thedate we receive it.

These rules are applicable to lapsed or expired policies and to policies cancelled voluntarily by the policyholder, subject to the rules and rates in effect at that time. A policy cancelled or non-renewed for cause by the Company is not eligible for reinstatement.

4 KEY PIECES OF INFORMATION REQUIRED TO BIND

1. Completed Application2. Photographs of all dwellings and other structures. Photos must accompany the FR application.

Photos of all sides of the dwelling and other structures are required. Take pictures of oppositecorners so that ALL sides are shown. Take pictures from a distance that shows the condition ofpaint siding and roof, etc.

3. Replacement Cost Valuation is required for all submissions which include Dwellings andOutbuildings.

4. Homes or other structures with solid fuel heat require the completion of the Solid Fuel HeatingQuestionnaire along with the required pictures.

NAMES AND ADDRESSES

NAMES: Our system does not recognize variations and/or nicknames as the same person. We prefer the name to be the legal name with the middle name/initial. However, as long as the name used is consistent, it will be acceptable.

ADDRESSES: A) Mailing — All applications/changes are to include the complete mailing address and current

telephone number: 1. House and street number; or2. 911 address; or3. PO Box number; and4. City, State, Zip Code (nine digit if known) and5. Telephone number.

B) Legal — Applications/changes are to include the complete address. This cannot be a PO Box:1. House and street number; or 911 address2. Section, township, range and county.

CANCELLATION

VOLUNTARY. A policy may be cancelled by the named insured by submitting a signed request, giving us the policy number and the date they want the policy to be cancelled. Any unearned premium to be refunded will be computed pro rata by the Company and returned to the insured.

COMPANY. The Company will cancel only in accordance with the applicable policy conditions. Proper written notice will be mailed to the named insured. Any unearned premium will be returned to the named insured. No basic coverages can be cancelled without the entire policy being cancelled.

September 2014 G-2 Battle Creek Mutual


POLICY TERM The policy period for a FR policy is twelve months. If acceptable, a renewal billing will be sent approximately 20 days prior to the expiration date. An exception is that renewal billings for EFT policies will be produced 45 days prior to the expiration date. If we bill the named insured for their next policy term and the named insured fails to pay the required renewal premium when due, the policy will be cancelled.

PAYMENT PLAN

Under the FR Policy, the customer may choose from the following payment plans: (If the annual premium is less than $50, only the 1-Pay (annual) payment plan may be selected.)

1 Pay (Annual) – will be billed once a year. No service fee will apply.

2 Pay (Semi-Annual) – will be billed twice a year. A service fee of $5 per billing will be added.

4 Pay (Quarterly) – will be billed four times a year. A service fee of $5 per billing will be added.

Monthly via Electronic Funds Transfer (EFT) -- Requires a one month down-payment. Complete the separate application. No service fee will apply. A policy may be placed on EFT any time during the policy term. See the EFT Billing Manual for complete information. NOTE: Installment fees listed above do not apply if the client chooses the paperless option.

NON-SUFFICIENT FUNDS CHECKS

If following a billing, the Company receives a check and the check is returned by the customer's financial institution for lack of funds, the check will be returned to the insured informing the customer that we will require a certified check, including a $25 charge, to be remitted to the Home Office within 12 days to maintain coverage on the policy or policies.

LATE FEE

If the premium is not paid within 5 days of the due date, we will add a $15 late fee. This will apply to our One pay (annual), Two pay (semi-annual), and Four pay (quarterly) direct billing plans only.

FARM and RANCH

Eligibility/Acceptability The Farm and Ranch policy combines into one contract the elements of property and casualty insurance

from which an agent can design specific protection to fit needs. The policy is divided into two sections. Section I provides property coverages and may be written to cover

farm dwellings, mobile homes, household personal property, loss of use, scheduled farm personal property, unscheduled farm personal property, blanket farm personal property, and buildings and structures. This Section is not sold independently of Section II.

Section II provides personal liability, medical payments to others and optional family medical payments.

This section is not sold independently of Section I. Section I must include the owner occupied dwelling or Household Personal Property (tenant’s).

Principal farm premises must be located in Nebraska. All farm premises and farm property in Nebraska are

eligible except: (1) business property and (2) non-farm property. Section II coverage may be written for certain on-farm business pursuits for additional premium.

Unacceptable Risks In general, risks described below are NOT ACCEPTABLE, although those marked with an asterisk (*) may

be written with underwriter approval.

• Buildings dilapidated • Business other than farming on premises * • Cancelled, rejected or renewal declined within last 3 years * • Criminal record • Custom farming if (1) extensive operations outside Nebraska or (2) custom farming is principal farming

operation • Fences in disrepair • Illegal or illicit activities • Intoxicants, excessive users of • Town-rated property (except additional dwellings) • Evidence of "Lack of Pride of Ownership" • Unfavorable claims record * • Vacant farms (buildings and land not occupied or used) *

Farm Property Definition

Farm Property, in respect to Section I of the Farm and Ranch policy is defined as dwellings, mobile homes

on the farm, buildings and structures used in connection with farming, and their contents, farm machinery and implements, grain and hay, and livestock, situated on land used for farming purposes located outside the corporate limits of cities and towns. Dwellings and outbuildings located on farms, whether occupied by owner or tenants, and whether the farm is operated by the occupant of the dwelling or not, shall be classified as farm property. This may include a farm owner's city dwelling in which he resides.

August 2012 G-4 Battle Creek Mutual

FARM AND RANCH NEW BUSINESS ELIGIBILITY Objective New Business Client Eligibility Requirements

Policies can be written only in the state of Nebraska

Risk must meet criteria in BCM point chart listed below. The risk is ineligible if the underwriter or the agent’s subjective evaluation determines the risk to be ineligible for BCM. Battle Creek Mutual Insurance Company has three separate levels to insure eligible Farm and Ranch risks. Each higher level requires new business applicants to meet more stringent eligibility criteria. Following are the eligibility requirements for the Ultra-Preferred, Preferred and Standard levels:

Rating Points

Description of Loss * Rating Points

Each weather related claim that occurred during the past five years. (a weather loss means earthquake, windstorm, hail, or lightning)

1

Each non-weather related claim that occurred:

during the past three years 3

over three years ago, but less than 5 years ago

2

Rate Level Factor Ultra Preferred Rate Level Preferred Rate Level Standard Rate Level

0.90 1.00 1.25

Note: Changes in the farming operation may warrant switching rate levels.

ULTRA PREFERRED

PREFERRED STANDARD

A. Applicant Information Prior Insurance

1. No Prior Insurance with another carrier within the last 30 days, and this is not the first farm owned

No

Yes

2. Reinstatements over

90 days (Rewrite) No OK if risk qualifies. New

application and supplemental information must be submitted.

New Business Eligibility Rules (Based upon Rating Points)

1 point or less Ultra Preferred 3 points or less Preferred 5 points or less Standard

* Any Farm Ranch with more than 3 claims (regardless of type) in the last 5 years is not eligible for coverage


TYPE 1 TYPE 2 OR 3

B. Dwelling Forms Minimum Value

of Home Year

Built Minimum Value

of Home * Year

Built

Preferred & Ultra

Preferred Standard

Ultra Preferred, Preferred & Standard

FR-1 $25,000 $25,000 N/A $15,000 N/A FR-2 $40,000 $25,000 N/A $25,000 N/A FR-3 $75,000 $60,000 1950 or later Not available FR-5 $100,000 $80,000 1950 or later Not available Minimum Value Preferred & Ultra

Preferred Standard

FR-4 $25,000 $15,000 FR-MH $5,000 $5,000 C. Dwelling Requirements Dwellings in the process of

being remodeled or renovated. Processes such as painting, wallpapering or changing floor coverings are not considered renovation.

No Give details of remodeling. Remodeling must be completed within 6 months.

FARM AND RANCH NEW BUSINESS ELIGIBILITY

Nonrenewed or Cancelled A new business/new client who has been nonrenewed or cancelled by their previous carrier

will be subjectively underwritten. A copy of the nonrenewal or cancellation letter from the prior carrier may be requested.

Deductibles - Minimums 0 – 2 claims $1,000 deductible minimum 3 claims $2,500 deductible minimum


FARM AND RANCH NEW BUSINESS ELIGIBILITY

Eligibility Requirements FR-5 FR-3 FR-2 # of Families 1 or 2 1 or 2 1 or 2 Seasonal Not Allowed Yes Yes Condition Excellent—Type 1 Excellent— Type 1 Excellent— Type 1

Average – Type 2 Minimum Coverage A $80,000 Standard

$100,000 Preferred and Ultra Preferred

$60,000 Standard $75,000 Preferred and

Ultra Preferred

$25,000 Standard (type 1) $40,000 Preferred and

Ultra Preferred (type 1)

$25,000 Preferred, Ultra Preferred and Standard (type 2)

Dwelling Age 1950 or later

(Includes Year Renovated) 1950 or later (Includes Year Renovated)

N/A

Electrical 100 amp Circuit Breakers;

No fuses 100 amp Circuit Breakers; No fuses

100 or 60 amp Circuit Breakers; No fuses

Protective System Fire Extinguishers and

Smoke Detectors Required Smoke Detectors Smoke Detectors

Roof Age If roof is 25 years old or

older, the risk is not eligible for FR-5.

If roof is 25 years old or older, the risk is not eligible for FR-3.

Roof Condition Very Good Very Good Good Insurance-to-Value 100% of Replacement

Cost 100% of Replacement Cost

100 % of Replacement Cost—Type 1 80% of Replacement Cost—Type 2

Central Heat/ Masonry Foundation/ Wood Basement/ Interior Plumbing

Yes Yes Yes


MANUFACTURED HOME RISK QUALIFICATION

Many types of structures are constructed in factories and transported to the building site in sections for assembly. Typically these structures are constructed in two sections which when assembled are joined at the roof ridge making a rectangular shaped dwelling. Additional sections may be added to form an L shaped structure. The two prominent types of factory built homes are: 1. MODULAR HOMES

Modular homes are constructed on joisted framing, like a site built home, and transported to the building site by trailer in single, double or triple wide sections. Local building codes regulate their construction. Other construction techniques involve portions of the structure being built in factories. These homes are referred to as precut or prefabricated homes; examples are kit built, log, panelized and dome homes. Modular type units will NOT have the red HUD label attached to the rear exterior siding. Modular homes are similar construction to stick built homes. The dwelling valuation will be utilized to determine the replacement cost value. Underwriting will make the final determination with modular homes regarding the qualification for these homes.

2. MOBILE/MANUFACTURED HOMES

Mobile/manufactured homes are constructed on steel beams with attached axles and wheels for transportation, and may be single, double or triple wide units. Since 1976 mobile home construction has been regulated by HUD who refers to them as manufactured homes. Mobile/manufactured homes can be identified by a 2 x 4 inch red HUD inspection label located on the rear lower left corner of each unit towed from the factory. The removal of this label will not qualify the structure as a modular home or real property.

Eligibility and Rating To qualify to be written as a home in the Battle Creek Farm and Ranch Program, a mobile/manufactured home risk must meet the following requirements: 1. Mobile/manufactured Home must be on a permanent enclosed foundation. This includes basements,

poured slabs, or masonry block on footings. The footings must be below ground and below the frost line. Or, the home can be on recommended piers and skirted.

2. Less than 10 years old 3. Double wide or triple wide on privately owned property 4. Roof must be of acceptable materials such as asphalt, tile, or wood/shake. No tin or rolled roofing. 5. Siding must be brick, wood, steel, or vinyl. The mobile/manufactured home may be written as an FR-2 or FR-3 with a 1.20 surcharge factor applied. The FR MH 04 Manufactured Home Loss Settlement endorsement must be added. Double or triple-wide 10 years old or older that is not on a permanent enclosed foundation--issue as an FR-MH and must be on piers and tied down. Single-wide mobile/manufactured homes--issue as an FR-MH and must be on piers, tied down and skirted. Underwriting will make the final determination with mobile/manufactured homes regarding the qualification for these homes. Photos must be submitted along with a completed dwelling valuation. Note: Mobile/Manufactured Homes do not qualify for a new home discount or FR 020 Specified Additional Amount of Insurance endorsement. Mobile/Manufactured Homes which have a solid fuel heating unit are not acceptable.


FARM AND RANCH POLICY

Loss Settlements: Loss Settlement 1 – Actual Cash Value (dwelling or other structure, household personal property or farm personal

property) Loss Settlement 2 – 80% Insurance Requirement (Replacement cost for Coverages A and G Only--buildings) Loss Settlement 3 – 80% Insurance Requirement with Actual Cash Value Loss Settlement for Windstorm or Hail

Losses to Roof Surfacing (Replacement cost except windstorm/hail on roof surfacing for Coverage A Only)

FR Policy Perils: 1. Fire or Lightning 2. Windstorm or Hail 3. Explosion 4. Riot or Civil Commotion 5. Aircraft 6. Vehicles 7. Smoke 8. Vandalism or Malicious Mischief 9. Theft 10. Collision 11. Freezing 12. Falling Objects 13. Weight of Ice, Snow or Sleet 14. Accidental Discharge or Overflow of Water or Steam 15. Sudden and Accidental Tearing Apart, Cracking, Burning or Bulging 16. Sudden and Accidental Damage From Artificially Generated Electrical Current 17. Volcanic Eruption 18. Collapse (For Coverage A and G only) 19. Special Perils—Coverage A Dwelling 20. Special Perils—Coverage B Household Personal Property Perils 21 through 25 for Livestock 21. Electrocution 22. Loading and Unloading 23. Attack by dogs or wild animals 24. Accidental shooting 25. Drowning


COVERAGE A - Dwelling - Selections Available Dwelling

Form Dwelling

Perils Contents

Perils Dwelling Loss

Settlement Contents Loss Settlement *

FR-1 1 to 10 1 to 10 1 (ACV) 1 (ACV) FR-2 1 to 18 1 to 17 2 or 3 (Repl.) 1 (ACV) FR-3 19 (special perils

for Cov. A) “all risk” 1 to 17 2 or 3 (Repl.) 1 (ACV)

FR-4 No Cov. A 1 to 17 ---- 1 (ACV) FR-5 19 (special perils

for Cov. A) “all risk” 20 (special perils for Cov. B) “all risk”

2 or 3 (Repl.) 1 (ACV)

FR-MH 1 to 18 1 to 17 1 (ACV) 1 (ACV) * Endorsement FR 090, Personal Property Replacement Cost Loss Settlement, may be added to Coverage B

carrying perils 1-17 or 20. An Additional Coverage insures up to $50,000 coverage for new construction of dwellings. Building materials and supplies are covered for up to $5000 as part of the Coverage A limit. FR - 1 Inflation/building cost index will apply each year. The inflation amount is shown on the Declarations. FR - 2 Minimum amount of insurance: See page G-6. Inflation/Building Cost Index will apply each year. The

inflation amount is shown on the Declarations. FR - 3 Minimum amount of insurance: See page G-6. The dwelling must have been built in 1950 or later.

Inflation/Building Cost Index will apply each year. The inflation amount is shown on the Declarations. FR - 4 Household Personal Property (Farm Tenants)—No Coverage A. Inflation/Building Cost Index will apply

each year. The inflation amount is shown on the Declarations. FR - 5 Minimum amount of insurance: See page G-6. The dwelling must have been built in 1950 or later.

Inflation/Building Cost Index will apply each year. The inflation amount is shown on the Declarations. FR-MH Mobilehome. Minimum amount of insurance: See page G-6 and eligibility requirements on page G-8. COVERAGE B - Household Personal Property & COVERAGE C – Loss of Use See page G-14 for percentage of Coverage A (or B) included in basic rates. Coverage B may be increased

for an additional premium. If an apartment or dwelling is furnished for the insured’s farm employees, the furnished property in the

apartment or dwelling is covered under Coverage B. Make sure the amount of insurance is adequate. If a dwelling is rented to someone other than a farm employee, 70% of the applicable dwelling rate will be

charged and no coverage will be provided for Household Goods (No Coverage B or C). COVERAGE D - Scheduled Farm Personal Property Perils insured against are perils 1-10 unless otherwise indicated. Optional additional perils 21-25 on

livestock are available. Scheduled Farm Personal Property is covered while such property is in the state of Nebraska or within 100 miles of its borders. Scheduled Farm Personal Property is covered if it sustains physical damage that results while it is contained inside a building which collapses due to weight of ice, snow or sleet.

Coverage D.1. - Scheduled Machinery and Implements

Items must be insured for 100% of actual cash value. $20,000 of coverage for borrowed farm machinery is included when FR 013 is purchased. Limits in excess of $20,000 may be purchased using D.1. rates. $500,000 coverage per policy period is provided for Newly Acquired Machinery, if no other insurance applies, for the earliest of: 30 days from acquisition date, the end of the policy period, or until reported to the Company Coverage for machinery acquired as a replacement for a specifically named item is limited to the ACV of the new item for 30 days after delivery and after 30 days to the limit specified for the item that was replaced.


Coverage D.2.- Scheduled Grain

Grain in stacks, shocks, swaths, or piles, while in the open, is covered only against loss by fire. Hay in the open in stacks, windrows or bales is insured for fire, theft and lightning only. A stack of hay is defined as any one stack, group of stacks, a continuous row of stacks or hay in one building separated by at least 100 feet from any other stack or building. Coverage shall not exceed $20,000 on any one stack of hay. When scheduling grain, one must state where the grain is stored.

When insuring hay, state number of tons at each location and give complete legal description.

When insuring potatoes in storage, state number of CWT, value per CWT, variety of potatoes and what building (along with building location) where potatoes are stored. Submit a change whenever the amount decreases or increases.

Coverage D.3. - Scheduled Livestock This coverage is designed to insure individual heads of livestock up to $10,000. For higher valued animals,

contact the Home Office for prior approval. If the animal is registered, ear tag numbers and/or registration numbers will be required. Exotic animals such as ostriches or emus are insurable under this section at a slightly higher rate. Consult rate guide for rates. Determination of whether a particular type of animal is to be considered “exotic” and final approval and acceptance will be made by the underwriter.

Coverage D.4. - Scheduled Poultry

This coverage is designed to insure poultry on an insured location. The Perils Insured Against are Fire, Lightning and Theft only.

Poultry are not eligible to be insured as Unscheduled (Coverage E) or Blanket (Coverage F) Farm Personal Property.

COVERAGE E - Unscheduled Farm Personal Property Perils insured against, coverage territory and coverage for New Additional Machinery are the same as

those listed under Coverage D. Unscheduled Farm Personal Property is covered if it sustains physical damage that results while it is contained inside a building which collapses due to weight of ice, snow or sleet.

Coverage E.1. - Unscheduled Machinery and Implements All items valued at $7000 and over must be listed on the application inventory for a minimum of 80% of

actual cash value, preferably 100%. The minimum amount of insurance to be eligible for E.1. rates is $20,000. $20,000 of coverage for borrowed farm machinery is included when FR 013 is purchased. Limits in excess of $20,000 may be purchased using D.1. rates. Coverage for machinery acquired as a replacement for a specifically named item is limited to the ACV of the new item for 30 days after delivery and after 30 days to the limit specified for the item that was replaced. $500,000 coverage per policy period is provided for Newly Acquired Machinery, if no other insurance applies, for the earliest of: 30 days from acquisition date, the end of the policy period, or until reported to the Company.

Coverage E.2. - Unscheduled Grain

The grain coverage portion of Unscheduled Farm Personal Property protects enough harvested grain to fill the entire storage capacity of the farm. The rates are correspondingly low and eliminate the farmer's need to report changes in the grain inventory during the year. Determine the insured value based on total storage capacity and an average price per bushel.

Hay or straw in stacks, windrows or bales while in the open may be insured under Coverage E.2. along with

grain. $20,000 is the maximum coverage per stack of hay. A stack of hay is defined as any one stack, group of stacks, a continuous row of stacks or hay in one building separated by at least 100 feet from any other stack or building. Hay in the open is insured for fire, theft, and lightning only. Grain in stacks, shocks, swaths, or piles, while in the open, is covered only against loss by fire.

When insuring hay, insure for the largest amount on hand at any one time in any one location.

Coverage E.3. - Unscheduled Livestock The maximum allowable limit per head shall not exceed $1000 on any one head of livestock under one year

of age or $2000 on any one head of livestock one year of age or older. Exotic animals such as ostriches or emus are insurable under this section at a slightly higher rate. Consult rate guide for rates. Determination of whether a particular type of animal is to be considered “exotic” and final approval and acceptance will be made by the underwriter.


COVERAGE F - Blanket Farm Personal Property Perils insured against are perils 1-10 unless otherwise indicated. Optional additional perils 21-25 on

livestock are available. Coverage for Livestock and/or Grain and Hay may be excluded from Coverage F with insured/applicant signature on the application form (page 5). Blanket Farm Personal Property is covered while such property is in the state of Nebraska or within 100 miles of its borders. Coverage is also extended for up to 30 days while the property is located more than 100 miles into a bordering state. Blanket Farm Personal Property is covered if it sustains physical damage that results while it is contained inside a building which collapses due to weight of ice, snow or sleet.

$50,000 is the maximum coverage per stack of hay. (Stack is as defined under coverage E.2.) Value grain

by using the total storage capacity and an average price per bushel. We will insure loss to borrowed farm machinery while used in the insured’s farming operation as excess over any insurance the owner has on the property. $500,000 coverage per policy period is provided for Newly Acquired Machinery, if no other insurance applies, for the earliest of: 60 days from acquisition date, the end of the policy period, or until reported to the Company.

COVERAGE G – Buildings and Structures Covers barns, buildings, structures, and additional dwellings (that don’t qualify under the dwelling form) on a

scheduled basis against loss caused by Perils 1-11 (See page G-9) and Peril 18 when the building qualifies. Private power and light poles including outdoor wiring, switch boxes, and fuse boxes valued in excess of $1,000; fences, including corrals, pens, chutes (not field or pasture fences); and tenant's improvements and betterments to any building or structure may be insured under this form by listing the item and paying additional premium. Replacement cost coverage may be added if the building qualifies for coverage and is insured to 100% of Replacement cost. Inflation/building cost index will apply yearly. The inflation amount is shown on the Declarations. Additional coverages include up to $50,000 coverage for new construction of permanent farm buildings. Building materials and supplies are covered for up to $5000 as part of the Coverage G limit.


SECTION II

Personal Liability Coverage Section II of the policy is designed to protect the owner and/or operator of a farm or ranch for sums an

insured becomes legally obligated to pay as damages because of bodily injury or property damage, caused by an occurrence, arising out of the premises or personal activities of the insured. Pollution coverage is limited to $100,000 per occurrence. Liability claims arising out of changing the contour of the land which affects the water flow are limited to $100,000 per occurrence.

COVERAGE L - Personal Liability

$100,000 Combined Single Limits of Bodily Injury and Property Damage is the minimum coverage. Additional limits up to $1,000,000 are optional. Farm Employers' Liability provides liability protection to the employer in the event of suit by an employee suffering bodily injury in the course of employment.

COVERAGE M - Medical Payments to Others (Secondary Coverage)

$2,000 per person/$10,000 per occurrence is minimum coverage. This may be increased to $5,000/$25,000, $10,000/$50,000 or $25,000/$125,000. Farm Employee's Medical Payments: The base policy includes two months of labor with $2,000/$10,000 medical coverage. The two months of labor is intended to provide coverage for unforeseen exchange or additional help. Do not deduct the two months when computing man months of labor. There are optional $5,000/$25,000, $10,000/$50,000 and $25,000/$125,000 medical limits available. The $10,000/$50,000 and $25,000/$125,000 options include a $250 deductible per occurrence.

COVERAGE N - Family Medical Payments

When underlying health insurance applies, use minimum rates. Triple the rates if there is no underlying health policy. Coverage options are $500, $1,000, $2,000, and $5,000. Age limit is 12 years to 65.


BASIC LIMITS

Section I Coverages Minimum Limits Coverage A Dwelling – Limit chosen by named insured, see page G-6. Coverage. B Household Personal Property 60% of limit on Dwelling - FR-1 & FR-2 75% of limit on Dwelling - FR-3 80% of limit on Dwelling - FR-5 Coverage C Loss of Use 10% of Dwelling limit on FR-1 20% of Dwelling limit on FR-2 30% of Dwelling limit on FR-3 50% of Dwelling limit on FR-5 Mobile Home Coverage A Mobile Home — FR-MH — Limit chosen by named insured, see page G-6. Additions to Mobile Homes Include in value of Home Coverage B Household Personal Property 50% of limit on Mobile Home Coverage C Loss of Use 20% of limit on Mobile Home Tenants Coverage B Household Personal Property — FR -4— Limit chosen by named insured, see page G-6. Coverage C Loss of Use 20% of Coverage B limit Coverage D Farm Personal -------- Property (Scheduled) Coverage E Farm Personal E.1. $20,000 Property (Unscheduled) E.3. $10,000 Coverage F Farm Personal $10,000 Property (Blanket) Coverage G Buildings and Structures (Barns, Private Garages, -------- Bldgs. & Add'l Dwellings) Section II Coverages Coverage L Personal Liability including Farm Employer's Liability $100,000 Coverage M Medical Payments to Others and $2,000 per person / $10,000 per occurrence Farm Employee's Medical Payments (includes up to 2 months of labor) Coverage N Family Medical Payments Persons must be named


UNDERWRITING GUIDELINES ADDITIONAL INSURED LOCATION (LOC) Charge liability for an additional insured location when there are building(s) at another location other than

Location #1. AERATION FANS If permanently attached to steel bin, include in total value. If portable, insure under FR 021, Agricultural Equipment Endorsement. (Use equipment in building rate.) ANIMAL BITES After the first animal bite we may continue on the risk if the owner decides to destroy the animal. If the owner

chooses to retain the animal we will not accept the application or non-renew the policy. We underwrite all animals/pets carefully.

ANTENNAS Section I Additional Coverages (SC) provide for an amount not exceeding $500 for damage to outdoor

antennas or dish antennas including their lead-in wiring, accessories, masts and towers. These antennas must be attached by lead-in wire to a dwelling or outbuilding.

An amount in excess of $500 may be purchased for an additional premium on FR 101 (Outdoor Antennas—

Additional Limit). BOAT LIFTS AND DOCKS Portable docks and lifts will be covered as personal property. All of the applicable policy perils insured against,

limitations and exclusions will apply to the docks and lifts being insured as personal property. Verify that the personal property limit of liability is sufficient to cover this exposure. If the dock or lift is a permanent structure, it should be covered as a structure.

BUILDING IN THE COURSE OF CONSTRUCTION -- OUTBUILDING

When the policy covers farm outbuildings, an additional $50,000 in the aggregate is provided on new permanent outbuildings. Up to $5000 of materials and supplies on the premises to be used in the construction of the building are covered. The Company's liability ceases 60 days from date construction begins. To cover outbuildings valued in excess of $50,000 or when construction exceeds 60 days, insure the building at 80% or more of the completed value using the type class appropriate for the completed building and perils 1 - 10. Advise the Underwriting Department of the approximate completion date.


BUILDING CLASSIFICATION (OUTBUILDINGS)

Note: When a farm building unit consists of two or more attached structures, the same classification must apply

to both structures comprising a part of a farm building unit. Example: A farm building unit consisting of two or more separate structures which have a common roof and ridge row over each structure shall be a separate unit and the highest building classification shall apply to all units attached.

Type 1 Outbuilding -- $1,000 minimum -- 100% of ACV Type 2 Outbuilding -- $1,000 minimum -- 80% of ACV Type 3 Outbuilding -- less than 70% of ACV BUSINESS INVENTORY For Amway and Home Interior, etc. use D-1.

OUTBUILDING TYPE QUESTIONS:

Type

GARAGE/MACHINE STORAGE – FULLY ENCLOSED, CONCRETE OR POLE FOUNDATION, NO LIVESTOCK, NO HEAT OR ELECTRIC HEAT

1

GARAGE/MACHINE STORAGE – FULLY ENCLOSED, CONCRETE OR POLE FOUNDATION, NO LIVESTOCK, OTHER TYPE OF HEAT

2

BARN – 1 STORY, FULLY ENCLOSED, CONCRETE OR POLE FOUNDATION, USED FOR LIVESTOCK

2

STEEL BINS – ANCHORED IN CONCRETE (NO HEAT) 1

STEEL BINS – ANCHORED IN CONCRETE (W/HEAT) OR GRAIN DRYERS 2

HOPPER BINS – ANCHORED IN CONCRETE 2

LEGS & AUGERS 2

SILOS 4

SUBSTANDARD BUILDINGS 5

POTATO (SPECIAL) BUILDINGS 6

CONFINEMENT BUILDINGS 7 POLES & OUTDOOR WIRING 8 ALL OTHER BUILDINGS CONSTRUCTIONS & USES 3


CATTLE DEFINED Calf -- any animal from birth to 6 months (weaning age -- 350 lbs.) to just under a year old and weighing up to

700 lbs. or thereabouts. On occasion when these animals reach the 400-500 lb. figures, some cattlemen may call them feeders. (Choice veal calf is generally less than 3 months old and weighing around 200 lbs. or more having been fed a steady diet of milk making for quality tender pinkish meat.) When a calf is born to a registered cow, the calf will be adjusted at ACV until it has been determined that the animal meets registration requirements.

Yearling -- any animal (steer or heifer) at or just over a year old and weighing anywhere from 500 to 900 lbs. or more, on an average. These animals fit into a category of breeding, feedlot or slaughter cattle sometimes known as long (over) or short (under) yearlings.

Cows -- Stock -- Range -- Commercial -- Dairy -- Registered -- etc. -- any animal that has dropped or had a calf becomes a cow and is generally around 2 years of age or older and weighing around 1,000 lbs. or more. They also fit into the marketplace as canner, cutter, and utility slaughter animals.

COLLAPSE COVERAGE (Outbuildings)

The Farm and Ranch underwriter will review the outbuilding photos as a building must be in good condition to qualify for collapse coverage. The Collapse peril applies when a building has suffered damage such that the building is "materially impaired" and/or cannot be used for its intended purpose. The underwriter may require construction information (rafter construction and side walls) prior to extending this coverage. Collapse coverage is not available on buildings not on permanent foundations, two story barns, any building 25 years of age or older, fences, corrals or windbreaks. This coverage is only available at the inception date of a policy or on the rewrite date or renewal date of the policy.

To get, or continue with, Collapse coverage when buildings are 25 years and older, they must be: 1. Steel frame construction. 2. Not used for livestock. 3. More than 100 feet from shelter belts. 4. Photos inside & out are required.

Any potato warehouse that does not meet the above requirements - will have to be inspected - if they have bins inside for support, etc. and maintenance has been kept up, we may be able to offer collapse.

Existing business with collapse coverage – This coverage will be removed prior to renewal when the building reaches 25 years. If you feel a building qualifies to continue, please c-endorse to add back on, take new photos and give us the information needed.

COMPUTERS Computers are insured under Coverage B (Household Personal Property). Computers at college cannot be

scheduled on FR 061 (Scheduled Personal Property). CONFINED LIVESTOCK (Defined) Confined livestock are defined as cattle that are kept in a corral. They do not go out to pasture. CONTENTS COVERAGE FOR CHILDREN AT COLLEGE

1. An FR-4 Household Personal Property (Tenant’s Contents) may be written under the parents’ FR policy. (Note: An FR-4 cannot be written if living in a dorm. This is for an apartment only.)

2. May use the 10% away from premise under the parents’ policy. * (Liability may be automatic from the parents’ policy.)

If 10% away from premise is not enough coverage, add the FR 050 (Personal Property at Other Residence—Increased Limit) endorsement to the parents’ policy for the entire amount. * (Liability may be automatic under the parents’ policy.)

* FR 027 (Additional Insured – Student Living Away from the Residence Premises) required if not a full time student (as defined by the school) or the student is over age 24.

February 2015 G-17 Battle Creek Mutual

CONTENTS COVERAGE IN STORAGE Contents in storage or contents in another dwelling not occupied by the insured: insure under FR 050 Personal

Property at Other Residence—Increased Limit Endorsement. This endorsement does not qualify for FR 090 Section I – Personal Property Replacement Cost Loss Settlement.

CREDIT BUREAU REPORTS Underwriting may order a report on new business. CUSTOM COMBINING New custom combining accounts will not be accepted unless we have had a Farm and Ranch policy in force for

a minimum of six months, unless prior approval has been received from underwriting. DEPRECIATION SCHEDULE FOR ACV ON DWELLINGS AND OUTBUILDINGS 1% a year, up to a maximum of 35%. Manufactured homes insured as FR MH may be depreciated 3% to 4% a

year. Any attachments would get the 1% a year. DIAGRAM REQUIREMENTS A diagram indicating the location of buildings insured, hay stacks, fuel storage, etc., is required. Show the

distance separating the dwelling from other buildings and items. This is to be maintained in the agent’s files. It is to be made available to underwriting or claims upon request. If there are more locations, need a separate diagram for each location.

DWELLINGS Actual Cash Value coverage (FR-1): refer to page G-6 for value requirements. Use Replacement Cost

Valuation to determine Replacement and depreciate 1% per year up to a maximum depreciation of 35%. DWELLING CREDITS Forms FR-4, FR-MH and FR-1 are not eligible for protective device or new home discounts. Mobile homes and Manufactured homes insured as FR-1, FR-2 or FR-3 are not eligible for a new home

discount. Seasonal Dwellings qualify for the following discounts: • New Home • Fire and/or Burglar alarm Reporting to Either Fire Department, Police Department or Central Station • Automatic Sprinklers • Within 5 Mile • New Roof • Mature Homeowner DWELLING PROTECTIVE DEVICE CREDITS:

Protective Device Discount Fire or Smoke Local Alarm on Each Level and Fire Extinguisher 3% Dead Bolt Locks on All Exterior Doors 2% Burglar Alarm System 5% or, Fire and/or Burglar Alarm Reporting to Either Fire Department, Police

Department or Central Station 10%

Automatic Sprinklers--in all areas & in all attached structures 10% or, Automatic Sprinklers--but omitted in bathrooms, attics, closets or

attached structures 5%

DWELLING-- NEW HOME DISCOUNT: The new home discount will be adjusted annually, prior to billing.

Discount For Home Completed and Occupied: Discount For Home Completed and Occupied: 25% During Current Calendar Year 13% Six years preceding current calendar year 23% One year preceding current calendar year 11% Seven years preceding current calendar year 21% Two years preceding current calendar year 9% Eight years preceding current calendar year 19% Three years preceding current calendar year 7% Nine years preceding current calendar year 17% Four years preceding current calendar year 5% Ten years preceding current calendar year 15% Five years preceding current calendar year

Add the protective device discount to the new home discount to determine the total Miscellaneous rating discount. The maximum allowed miscellaneous rating discount is 25%.


Other Dwelling Credits (available for FR-1, 2, 3 and 5) 15% if located within 5 miles of town class 1-8 and occupied by insured. Refer Homeowner Protection

Class Pages for town classification. DWELLING -- NEW ROOF DISCOUNT: The new roof discount will be adjusted annually, prior to billing. Home must be

more than 10 years old to qualify.

Discount Roof Replaced: Discount Roof Replaced: 10% Current Calendar Year 5% Five years preceding current calendar year 9% One year preceding current calendar year 4% Six years preceding current calendar year 8% Two years preceding current calendar year 3% Seven years preceding current calendar year 7% Three years preceding current calendar year 2% Eight years preceding current calendar year 6% Four years preceding current calendar year 1% Nine years preceding current calendar year

DWELLING – MATURE HOMEOWNER DISCOUNT applies when Client is age 50 or older. Available at new app and renewal time only. DWELLING -- HIRED LABOR Must be insured under dwelling form unless it's an older dwelling not in the best condition. It can then be

insured as an outbuilding (type 3). Contact the Home Office for approval. DWELLING -- IN TRANSIT See Mobile Home in Transit DWELLING RENOVATION To be considered renovated, the home must have been gutted, including complete replacement of all utility

systems (including, but not limited to, plumbing, electrical, heating and cooling) and a new roof must have been installed.

DWELLING -- RENTAL Rented dwellings are rated one type higher. If FR- 2 or better, qualify for protective device discounts. DWELLING REPLACEMENT COST VALUATION All dwellings on new applications and dwellings being added to existing policies will require the Dwelling

Replacement Cost Valuation to be completed prior to binding coverage on that dwelling. DWELLING -- SEASONAL Qualify for the following discounts: • New Home • Fire and/or Burglar Alarm Reporting to Either Fire Department, Police Department or Central Station • Automatic Sprinklers • Within 5 Mile • New Roof • Mature Homeowner DWELLING -- SHINGLES Loss Settlement 3 provides only ACV for windstorm/hail losses to roof surfacing, regardless of the age of the

roof. DWELLING UNDER CONSTRUCTION

Insure at 100% of the completed (replacement) value. Dwelling valuation is required. Can provide FR-2, FR-3 or FR-5 with full contents coverage, all eligible discounts and additional endorsements. When the policy covers dwellings, an additional $50,000 in the aggregate is provided on new permanent dwellings. Up to $5000 of materials and supplies on the premises to be used in the construction of the dwelling are covered. The Company's liability ceases 60 days from date construction begins.


April 2016 G-20 Battle Creek Mutual

DWELLING – USED FOR STORAGE Insure as an outbuilding.

DWELLING – VACANT – IN CITY LIMITS OR ON AN OCCUPIED FARMSTEAD The vacant dwelling will be rated as a Type 3 dwelling under the FR-1 if it is for sale or for rent. If a vacant mobile home, use FR-MH. If this dwelling will no longer be inhabited, insure as a Type 3 building under Coverage G. Perils 1-10 only are available whether under Coverage A or G. Photos must accompany the request for coverages. Contact Home Office for prior approval. Add the charge for additional liability.

DWELLING – VACANT – ON VACANT FARM SITE The vacant dwelling will be rated as a Type 5 building under Coverage G, Perils 1-7 only (No VMM, theft or Freezing). The collapse peril will not be available. We are restricting the perils due to the increased risk, but the rate will not be reduced. Photos must accompany the request for coverages. Contact Home Office for prior approval. Add a charge for additional liability.

ELEVATORS - See Grain Storage Structure

FARM LAND OUT OF STATE Include coverage by increasing acres and giving the legal descriptions with number of acres at each location. Coverage for buildings is not available.

FENCES Building Classification (Type 3) Split Rail — Type 3 Structure – Coverage G, Perils 1-11 (No Collapse) Solid Wood — Type 3 Structure – Coverage G, Perils 1-11 (No Collapse) Corrals — Permanent — Type 3 Structure – Coverage G, Perils 1-11 (No Collapse)

Portable — If under $750, is covered under E.1. -- Unscheduled machinery or F--Blanket. If $750 and over, insure as a type 3 structure under Coverage G, Perils 1-11 (No Collapse).

FIRE DEPARTMENT SERVICE CHARGE Section I – Additional Coverages provide for an amount not exceeding $500 for the insured's liability assumed by contract or agreement for fire department charges incurred when the fire department is called to save or protect covered property from a Peril insured against. No deductible applies to this coverage. An amount in excess of $500 may be purchased for an additional premium using endorsement FR 102 (Fire Department Service Charge—Additional Limits).

FISH HOUSE Cover under Coverage G—Buildings and Structures, outbuilding classification type 3, Perils 1-11 (no collapse).

FLOOD INSURANCE Flood insurance may be available through the National Flood Insurance Association.

FUELS AND FUEL TANKS Insure fuels and tanks under Coverage D.1., E.1. or F . Buildings containing fuel storage tanks must be rated type 3.

GLASS IN MOBILE FARM EQUIPMENT All-risk cab glass breakage is provided under SC (FR 013, Special Coverages Endorsement), when purchased, on insured mobile farm equipment. Each loss is subject to a $250 deductible.

GOLF CARTS Used at the golf course - liability is automatic Put on RVL (FR 064, Section II – Owned Recreational Vehicle) for liability when used for other purposes. Use RVP (FR 015, Recreational Vehicle Physical Damage Endorsement) for physical damage. GRAIN IN DRYERS Scheduled grain (Coverage D.2.) is not covered when it is in a grain dryer. When grain is unscheduled

(Coverage E.2.) or blanketed (Coverage F) coverage for loss in a dryer is provided. GRAIN STORAGE STRUCTURE (Grain Elevators) Grain elevators located along the railroad right of way within the city limits will not be written under the Farm

and Ranch. Grain elevators over 30 feet in height and located on the farm site must be submitted to the home office for rating and approval. This type of elevator will carry a $1,000 minimum deductible and collapse coverage is not available.

HAY Hay or straw in stacks, windrows or bales may be scheduled under Coverage D.2. or listed under Coverage

E.2. or insured as part of Coverage F--Blanket. $20,000 is the maximum coverage per stack of hay under Coverage D or E. Blanket (Coverage F) has a maximum coverage per stack of $50,000. A stack is defined as any one stack, group of stacks, a continuous row of stacks, or hay in one building, separated by at least 100 feet from any other stack or building. Hay in the open is covered for fire, theft and lightning only.

HEADER TRAILERS Insure on Farm Auto or Personal Auto. HEAT LAMPS Outbuildings utilizing heat lamps are undesirable risks. Contact the Underwriting Department for approval.

(These will be coded as type 5—at double the type 3 rates, if accepted.) HOG CONFINEMENT Hog confinement operations will not be written without a standby heating/cooling system or an alarm system.

Must have prior Underwriter approval. HORSE TRAILERS Horse trailers must be licensed and written on an automobile policy. They are not covered under

miscellaneous machinery on the Farm and Ranch policy. JET SKIS - See Personal Watercraft in Watercraft policy. LANDLORD - TENANT Write separate applications for landlord and tenant. A tenant may insure items in which he has an insurable

interest. Improvements and betterments by tenants on outbuildings not owned by them may be insured at the rate of the building(s) to which such improvements and betterments have been made under Coverage G. Improvements and betterments by tenants on Dwellings may be insured on FR 051 (Building Improvements, Alterations or Additions – Increased Limit Coverage B).

LEASE AGREEMENT We need a copy of the lease agreement when the insured leases livestock or machinery from a private

individual. LEASED MACHINERY - See Machinery Rented Over 30 Days.


LEASED WATERCRAFT OR SNOWMOBILE No coverage is available for a temporarily leased watercraft or snowmobile. Coverage must be purchased from

the Rental Agency. LIENHOLDER On the application (or change form), list property financed by each lienholder or mortgagee and include the

complete mailing address of the lienholder or mortgagee. LONGEVITY DISCOUNT We will provide a longevity discount for Farm and Ranch policies that have not lapsed or expired over 60 days:

Policy in force for 3 years (no gap in coverage of over 60 days) - - 4% discount Policy in force for 6 years (no gap in coverage of over 60 days) - - 8% discount LOSS RATIO/CLAIMS FREQUENCY RATING FACTOR An account will have its own self rating plan based on the losses and claim frequency. Premise medical claims

and Equipment Breakdown claims will not add to the number of claims or to the loss ratio. We will exclude one Storm Coded windstorm/hail claim (the largest one if there are several) in the three year review period. Claims will be included or excluded based on the date of loss and the loss ratio will not include any outstanding reserves. The three year period will be listed on the review and will consist of the three years just prior to the last renewal date. It will not include the period from the last renewal date for either premium or claims. The following chart will apply:

Surcharge Table Number of Claims (with Payments) in Prior Three Years Three-Year Loss Ratio

1-2 3-5 Each Add'l

less than 60% 0% 0% 0% 60+% - 75% 0% 5% 5% 75+% - 100% 0% 15% 5% 100+% - 115% 5% 20% 5% Over 115% 10% 25% 10%

LOSS SETTLEMENT PROVISION 1 -- Actual Cash Value This loss settlement may apply to a dwelling or other structure, household personal property or Farm Personal

Property. LOSS SETTLEMENT PROVISION 2 -- 80% Insurance Requirement (for Coverages A and G Only--buildings) This loss settlement may apply only to buildings under Coverages A or G. Losses are settled at replacement

cost without deduction for depreciation. It requires carrying 80% of the full replacement cost of the building immediately before the loss. Loss to roof surfacing 15 years or older will be settled at Actual Cash Value.

LOSS SETTLEMENT PROVISION 3 – 80% Insurance Requirement with Actual Cash Value Loss Settlement for Windstorm or Hail Losses to Roof Surfacing (for Coverage A Only) This loss settlement is the same as Loss Settlement 2 except any loss to roof surfacing caused by windstorm or

hail will be settled at Actual Cash Value, regardless of the age of the roof. MACHINERY BORROWED OR RENTED FOR 30 DAYS OR LESS FR 013 (Special Coverages Endorsement) extends $20,000 of coverage to borrowed machinery (or machinery

rented for 30 days or less) in the care, custody or control of the insured when machinery and farm equipment are insured under Scheduled Coverage D.1. or Unscheduled Coverage E.1. The machinery and equipment are covered against loss from perils 1 through 10. If value exceeds $20,000, insure for entire value; use D.1. rate. This coverage is excess over any other collectable insurance.

Blanket, Coverage F, covers borrowed equipment without a specific limit. Use FR 013 (Special Coverages Endorsement) to give coverage for machinery rented for 30 days or less with Coverage F. If value exceeds $20,000, insure for entire value; use D.1. rate.

MACHINERY RENTED OVER 30 DAYS. ALSO LEASED MACHINERY. The entire value must be insured under D.1. if leased for less than one year. If lease agreement is for over one

year, use E.1. or F.


MILK CONTAMINATION Liability coverages apply if insured is proven negligent by contaminating other milk already in bulk milk truck. MOBILE HOME IN TRANSIT Coverage for Trip Transit on a Mobile Home is not available under the Farm and Ranch Policy. MULTI-LINE DISCOUNTS

Auto: Farm trucks must be insured under FANE (as Size Class MT, HT, ET, DT or TT), or must have PP unit type under PANE.

Crop: There must be a Crop Hail Policy written for this client. Excess: There must be a Farm and Ranch Excess Liability Policy written for this client.

An 8% discount applies per line (farm truck/personal auto, Crop Hail, Excess). NAMED INSURED

The unqualified word "Insured" includes a. “You” and residents of “your” household who are:

(1) “Your” relatives; or (2) Other persons under the age of 21 and in the care of any person named above;

b. A student enrolled in school full time, as defined by the school, who was a resident of “your” household before moving out to attend school, provided the student is under the age of : (1) 24 and “your” relative; or (2) 21 and in “your” care or the care of a person described in a.(1) above.

NEW HOME DISCOUNT — See Dwelling Credits (See page G-18) NEW ROOF DISCOUNT — See Dwelling Credits (See page G-19) NEWLY ACQUIRED PREMISES The liability protection provided under Section II is automatically extended to newly acquired farm or residence

premises for 30 days. The Named Insured should notify the Company within the 30-day period and pay the additional premium required.

NON-CONVENTIONAL HEAT SURCHARGE Dwellings, Tenants Coverage and Outbuildings (except specifically rated outbuildings) will be surcharged $30

for a Non-Conventional Heat Unit such as a solid fuel burning unit. Structures with coal furnaces will not be surcharged for a Non-Conventional Heat Unit. Manufactured Homes with a solid fuel heating unit are not acceptable.

OUTBUILDING REPLACEMENT COST VALUATION Proper valuation of farm buildings is of utmost importance in underwriting farm risks. As a rule, farm buildings

should be insured at 100% of actual cash value (present day replacement cost less depreciation). If Replacement cost coverage is desired, buildings must be insured to 100% of replacement cost.

Remember when insuring outbuildings to first determine whether or not the building is insurable. Buildings which show “lack of pride of ownership”, are dilapidated, or are vacant and not utilized are an unacceptable risk and should not be insured.

All outbuildings on new applications and buildings being added to existing policies will require the Replacement Cost Valuation be completed for each outbuilding prior to binding coverage on that building.

PARTNERSHIP OPERATION Use the Additional Insured Endorsement FR 035 (ANI), to provide coverage for a partner in the operation if his

dwelling is insured on the FR policy.. FR 036 Additional Insured -- Insured Location Only Endorsement (ANL) will extend the Section II liability to a partner that has his personal liability coverage on another policy.

PERSONAL WATERCRAFT Personal Watercraft must be insured under the Watercraft Policy.


PHOTOGRAPH REQUIREMENT At least two photographs of each building on premise are required Take pictures of opposite corners so that all

sides are shown. Take pictures from a distance that shows the condition of paint, siding and roof, etc. Use the photo upload program to submit photos.

If adding older buildings or another farmstead to an existing policy, the photos must be uploaded when

buildings are to be added. If a newly constructed building is added during the policy period, you may submit the photos with the change form.

POLLUTION Pollution coverage is limited to $100,000 per occurrence. Pollution is the result of something that can occur

gradually over an extended period of time or it can be sudden and accidental. Examples of gradual pollution are: fuel leaking from an underground storage tank and contaminating a water supply or run off from the manure from a cattle operation into a nearby stream or into the ground.

Examples of property damage which may result when the discharge, dispersal or release or escape of

pollutants is sudden and accidental are: land vehicles making physical contact with a building, bin, tank or tank wagon that allows escape of pollutants or overturn or collision of an unlicensed motor vehicle or mobile farm equipment with an object that allows escape of pollutants.

PORTABLE CALF SHELTERS If value is $750 and under, coverage can be included as Miscellaneous Machinery under E.1. or as part of F. If value is over $750, insure as an outbuilding, Type 3 without collapse. Coverage F has no limit on value. PROTECTION CLASS DISCOUNT — When principal dwelling is located within 5 miles of Town Class 1-8, a

discount is available for FR-1, FR-2, FR-3 and FR-5. PROTECTIVE DEVICE CREDITS — See Dwelling Credits (See page G-18) PUMPS Include submersible pumps inside a building in the total value of the building. Pumps in a well outside a

building are included in miscellaneous equipment. Solar powered pumps outside need to be listed under FR 021 Agricultural Equipment Endorsement (AEQ) (use wind generator rate).

RECREATIONAL VEHICLES -- Liability Snowmobiles and Unlicensed Recreational Vehicles must be listed on Endorsement FR 064 (RVL) (Section II –

Owned Recreational Vehicle Endorsement) for Liability coverage. Motorcycles (includes dirt bikes), Camper Trailers and other trailers are not eligible for coverage under this endorsement. They must be insured under a Personal Auto policy that is endorsed with the Miscellaneous Type Vehicle Endorsement or the Trailer/Camper Body Coverage Endorsement.

Note: Coverage is limited to 500 C.C. on snowmobiles and100 C.C. on mopeds and mini-bikes. There are no

CC limits for All Terrain Vehicles or Golf Carts.


RECREATIONAL VEHICLES -- Physical Damage Unlicensed Recreational vehicles are not covered under miscellaneous machinery. They must be listed on Endorsement FR 015 (RVP) (Recreational Vehicle Physical Damage Endorsement). If trailer is pulled behind a piece of farm machinery, insure under machinery coverage. Special limit of Liability 4., under Coverage B, gives limited coverage of $1500 for trailers or semi-trailers not used with watercraft. Motorcycles, Snowmobiles, Camper Trailers and other trailers are not eligible for Physical Damage coverages under this endorsement. They must be insured under a Personal Auto policy that is endorsed with the Miscellaneous Type Vehicle Endorsement, the Snowmobile Endorsement or the Trailer/Camper Body Coverage Endorsement. See also Unlicensed Trailers.

Note: Coverage is limited to 100 C.C. on mopeds and mini-bikes. There are no C.C. limits for All Terrain Vehicles or Golf Carts.

RENTED MACHINERY (Rented for 30 days or less) - See Machinery Borrowed or Rented For 30 Days Or Less

RENTED MACHINERY (Rented for over 30 days) - See Machinery Rented Over 30 Days.

REPLACEMENT COST COVERAGE — DWELLINGS See Loss Settlement Provisions.

REPLACEMENT COST COVERAGE — HOUSEHOLD PERSONAL PROPERTY The Personal Property Replacement Cost Loss Settlement Endorsement, FR 090, is not available on Household Personal property that carries Loss Settlement 1 (ACV) coverage. A minimum value of $10,000 in Household Personal Property is required for FR-MH. Antiques, fine arts, paintings, collector’s items and obsolete articles are not covered for replacement cost. Along with typical personal property, other items that qualify for replacement cost coverage are awnings, household appliances, outdoor antennas and equipment, and carpeting.

REPLACEMENT COST COVERAGE — OUTBUILDINGS Available only on type 1, 2 6-Special & 7-Confinement buildings, less than 20 years old with a minimum value of $10,000. They must be insured to 100% of Replacement Value (with or without collapse coverage). This changes the coverage to Loss Settlement 2. See page G-12 and page R-7 & R-8. New Photos required.

REWRITES Each policy must be reviewed by the Agent every six years with a rewrite review. Commissions are withheld on policies that are not reviewed until they are done.

SADDLES AND TACK EQUIPMENT Are not covered under Personal Property. Must be insured under D.1. or E.1.or F for coverage. Can be listed as separate items under Coverage E.1., Unscheduled Machinery and Implements, or can be included under miscellaneous machinery if valued less than $7,000.

SATELLITE RECEIVERS - See Antennas

SCHEDULED PERSONAL PROPERTY – See endorsement FR 061.

SEED HELD FOR RESALE Schedule under D2. If has Coverage F, add to FR 103 (PKS).


SEEDMEN'S LIABILITY ENDORSEMENT See endorsement FR 014 or FR 110. SHOP TOOLS Must be listed separately from miscellaneous machinery and equipment when insured under E.1. SOLID FUEL BURNING UNITS When writing a Farm and Ranch policy, we require that the solid fuel heating questionnaire be completed along

with the three photos as requested on the questionnaire. All Farm Ranch policies with dwellings that contain a solid fuel heating unit will have a non-conventional heat surcharge applied. Outbuildings which have solid fuel burning units will also have a non-conventional heat surcharge applied.

Mobile homes which have a solid fuel heating are not acceptable. SOLID FUEL HEATING UNIT CRITERIA There is an additional charge for each building or dwelling equipped with a solid fuel heating unit. In order to

bind coverage on an application involving a dwelling or outbuilding that includes a solid fuel heating unit, you must complete the solid fuel heating questionnaire, and submit three photos as required by the questionnaire. If you do not have this information, YOU CANNOT BIND COVERAGE ON THAT STRUCTURE.

No charge for a coal furnace or coal stoker furnace. However, there is a charge for a Solid Fuel Coal “Burner”. Charge for a wood furnace and free-standing fireplace. Please provide photos of all of the above. There are various exposures to look for when writing a structure that includes a solid fuel heating unit. We ask

that you adhere to the following criteria: • The stove must be UL tested or tested by some other testing laboratory, listing the proper installation and

distances from walls, floor and ceiling. If the unit is installed according to these requirements there should be no problem in writing this type of business. If there is not a plate in the stove indicating that it is UL tested, we will then require that it meet the space requirements prescribed by the National Fire Protection Association. They require the heating unit to be 36 inches from all walls.

• When looking at the installation, we are particularly interested in the hearth as we do require that it extend at

least 18 inches from all sides of the stove to prevent any logs from rolling out and burning carpets. We want the area to be clear and free of flammable material. Any wood boxes or wood used in burning should be at least 36 inches or more away from the stove.

• STOVE PIPE — We do require that the stove pipe coming out from the stove be 8 inches in diameter and be

made of 24 gauge pipe. The crimps should be running down and the stove pipe joints should be screwed together with metal screws. All insulation should be kept away from the pipe and there should be no more than a 10 foot horizontal run of the stove pipe from the stove to the chimney. The stove pipe must be 18 inches from all combustible material (walls and ceiling.)

• CHIMNEYS — The masonry chimney for a solid fuel heating unit must be lined with tile or stainless steel. The

chimney should be cleaned once or twice a year, depending on how often the stove is used. Stove pipe does NOT qualify as a chimney. Once the stove pipe goes through the wall or ceiling it is to be connected into a proper chimney

• WALL PASS-THROUGHS — When you have a risk that has the stove pipe passing through a wall we want to

make sure that the proper installation has been met. If at all possible the ring of the pass-through should be removed to observe any possible charring of wood and to show the distance from the pipe to any combustible material. A thimble must be used or some other approved system when the stove pipe goes through a combustible wall. The following is an example:


May 2017 G-27 Battle Creek Mutual

DOUBLE VENTING — In NO circumstances will it be acceptable to have a solid fuel heating unit vented into achimney that is also used for natural or propane gas.

If the other types of fuel is oil, it is acceptable to have two types of heating units vented into one chimney only ifit was installed prior to 1992, when the Uniform Mechanical Code was changed to no longer allow any type ofdouble venting.

BARREL TYPE HEATERS — Not Acceptable.

FIREPLACE INSERTS — When there is a fireplace insert, we ask that you specifically ask the owner to makesure that the chimney is cleaned thoroughly and that any creosote or debris is removed from behind the insert.This appears to be where several fires have started in the past when the chimneys are cleaned and thecreosote falls down behind the fireplace insert. There should be a direct connection from the fireplace insertinto the chimney to prevent any debris from falling down behind the insert.

HEAT RECLAIMERS and HEAT SAVERS — Not Acceptable.

SPECIFICALLY RATED RISKS Potato warehouses, confined hog operations and other type structures that differ from conventional buildings may be specifically rated. The Special Outbuilding Rates have been filed for this purpose.

STOCK FOUNTAINS Coverage provided by Coverage E.1. (Unscheduled) under Miscellaneous Machinery and Equipment or by Coverage F (Blanket).

SWIMMING POOLS Coverage for above ground swimming pools not physically attached to the dwelling or any other structure will be afforded automatically under the personal property section (Coverage B) of the dwelling form. An in ground swimming pool, or an above ground pool that is not covered under Coverage B, may be covered as a Type 3 Outbuilding. If the dwelling with pool is located within the city limits or a housing development, the pool is required to be totally enclosed by a four (4) foot fence with a locking gate. An automatic push button track-type pool cove in lieu of a fence is eligible for consideration; requires underwriting approval. Risks with Swimming Pools not meeting these requirements are unacceptable.

April 2018 G-28 Battle Creek Mutual

TERRITORY

Northeast 0.95 West 1.15

Antelope Boone Boyd Brown Burt Butler Cedar Colfax Cuming Dakota Dixon Dodge

Douglas Greeley Holt Howard Keya Paha KnoxMadison Merrick Nance Pierce

Platte Polk Rock Sarpy Saunders Stanton Thurston Washington Wayne Wheeler

Arthur Banner Blaine Box Butte Buffalo Chase Cherry Cheyenne Custer Dawes Dawson Deuel Dundy

Frontier Furnas Garden Garfield Gosper Grant Hayes Hitchcock Hooker Kearney Keith Kimball Lincoln

Logan Loup McPherson Morrill Perkins Phelps Red Willow Scotts Bluff Sheridan Sherman Sioux Thomas Valley

Southeast 1.10

Adams Cass Clay Fillmore Franklin Gage Hall Hamilton

Harlan Jefferson Johnson Lancaster Nemaha Nuckolls Otoe

Pawnee Richardson Saline Seward Thayer Webster York

TOOLS AT COLLEGE Insure under FR 012, Increased Limits on Business Property.

TRAMPOLINE If the dwelling is in city limits or a housing development, the yard or area where the trampoline is located must be entirely fenced off by a four (4) foot fence with a locking gate. A trampoline net in lieu of a fence is acceptable. Risks with trampolines not meeting these requirements are unacceptable.

UNLICENSED MOTOR VEHICLE Is a land motor vehicle that by its very nature, design and use would not be subject to registration or licensing as may be required by Nebraska Statutes. It may be a vehicle that was primarily designed for road use, registration and licensing at the time of its manufacture, but that is not currently subject to registration or licensing as it is used exclusively for farming or agricultural purposes and is used principally off public roads. If used for any non-farm activity, insure on PANE.

UNLICENSED TRAILERS If trailer is pulled in the field behind a piece of farm machinery, insure under machinery coverage. If trailer is pulled behind a motor vehicle, then it is designed for highway use and it should be licensed and insured on a Farm Auto policy or Personal Auto policy. It cannot be specifically insured on the FR policy. In the policy, Special limit of Liability 4., under Coverage B, gives limited coverage of $1500 for trailers or semi-trailers not used with watercraft.

VACANT FARMS Do not bind coverage on vacant premises until you have received approval from the Home Office. Seasonal buildings are not considered to be vacant.

WIND GENERATORS Insure under FR 021 (Agricultural Equipment Endorsement). NOTE: Cannot provide coverage for any type of wind generator needing or associated with a contract with a power company.

WORKERS COMPENSATION If the insured carries workers compensation coverage, do not charge premium for hired labor.


WATER BACK UP CRITERIA FOR INCREASED MAXIMUM LIMIT OF WATER BACKUP COVERAGE

For any limit in excess of $20,000 coverage for FR 003, Water Backup and Sump Discharge or Overflow, the following criteria must be met.

• There are at least two sump pumps with backup systems for each. • There are safety valves installed on the main pumps. • The sump pump systems are connected to a central reporting alarm system. • There is documentation to prove all systems are functioning and regularly serviced. • The maximum limit that may be written is $100,000.

Battle Creek Mutual reserves the right to require an inspection of the pumping system. No agent may bind coverage for an amount over $20,000 without prior Home Office approval.


ENDORSEMENTS The following are coverages which may be added to the Farm and Ranch Policy in accordance with the

amounts and premiums as described in the Premium Section of this manual. Form No. Edition Endorsement Name Description of Endorsement FR 003

BKU 08 09 Water Back Up and Sump

Discharge or Overflow This form adds protection against losses caused to covered property, under Coverages A, B and C, by water or water-borne material which either backs up through drains or sewers, or which overflows or is discharged from a sump, sump pump or related equipment. FYI – a sump is a pit or well where water is allowed to drain or to collect. This form provides coverage even when the overflow or discharge from a sump, sump pump or related equipment is due to the mechanical breakdown of a sump pump. Further, any water damage connected to flooding is ineligible for coverage. A special deductible of $1000 applies to any occurrence covered by this endorsement. However, no coverage is available for damage to the sump pump or similar equipment. This coverage, or any increase in this coverage, is only available at the inception date of a policy or on the renewal date of the policy. This is not available on vacant dwellings. A maximum of $5000 coverage is available if dwelling is rented or held for rental to others. For a limit in excess of $20,000, see the special underwriting criteria on page G-29

FR 008 SUF

01 07 Section I – Livestock Suffocation Endorsement

Livestock insured under this endorsement must first be insured under either coverage D.3. (scheduled), coverage E.3. (unscheduled).or coverage F (blanket). This endorsement adds the peril of suffocation for livestock that are in a confinement building. It does not increase the amount of insurance. If owned by the Insured, the confinement building must be insured under coverage G (outbuildings). The building must be equipped with either an automatic generator or an alarm system and manual start auxiliary power generating equipment. Note that this coverage has a per occurrence deductible of $1000 plus 10% of any loss amount in excess of $1000 regardless of the deductible chosen for D.3., E.3. or F. Complete the supplemental suffocation application. No agent has binding authority for this coverage.

FR 009 LVM

01 07 Section I – Livestock Mortality Endorsement

This endorsement insures loss through death from natural causes, illness, disease or accident and theft. The Livestock Mortality application must be completed and the insured must furnish a veterinarian statement that each animal insured is in sound health and free from any physical disability whatsoever. Coverage is not intended for a multiple number of livestock. Coverage cannot be bound until the veterinarian statement is completed. Veterinarian examination must be paid for by the insured. Coverage cannot be bound on an animal valued over $5,000.


FR 010 01 07 Additional Interests – Residence Premises All dwellings.

This form merely allows anyone who has an insurable interest in the insured home to be added to the Farm and Ranch policy. Besides identifying other additional interests, it also obligates the insurer to give the listed parties advance notice if and when the Farm and Ranch policy is to be cancelled or is not going to be renewed.

FR 10A BZE

01 07 Section I – Livestock Blizzard Endorsement

This endorsement provides coverage for livestock against loss caused by freezing or smothering in blizzards or snowstorms. It does not cover against loss while livestock are inside buildings or against loss caused by smothering in or under stacks of hay or straw. This coverage shall commence at 12:01 a.m. CST on the 14th day after the original application or request for coverage is received in the Home Office. This coverage can be added to D.3., E.3. or F (perils 1-10 & 21-25). Premium is considered fully earned. This coverage is only available at the inception date of a policy or on the review date or renewal date of the policy.

FR 10B FOI

07 11 Section I – Farm Machinery and Implements -- Foreign Object Ingestion

This endorsement provides coverage for loss caused by foreign objects being taken into specified machinery and implements only. The specified machinery or implement must also be insured on D.1., E.1. or F. The deductible is 10% of the loss or damage. This endorsement does not apply while the machinery is used for Custom Farming. Premium is considered fully earned. This coverage, or any changes to a coverage limit for a specific item, is only available at the inception date of a policy or renewal date of the policy. There are optional $5,000, $10,000, $25,000, $50,000 or $75,000 per occurrence limits available and you may select different occurrence limits for different units. Coverage applies only if the loss from the foreign object causes an immediate and sudden interruption of operations to the farm machinery or equipment and requires the farm machinery or equipment to be inoperative until repaired.

FR 10C NOL

01 07 Section I – Non-Owned Livestock Endorsement

This endorsement provides coverage for non-owned livestock while in the insured's care, custody or control for loading, unloading, collision and overturn coverage only (Perils 10.b.(1) and 22 with no coverage while being transported by common carrier). The Insured must have livestock insured under Coverage E.3. or Coverage F with additional livestock perils in order to carry this endorsement. The endorsement goes into effect at 12:01 a.m. CST on the following day after the original application or request is received in the Home Office. Premium is considered fully earned.

FR 012

IBP 01 07 Increased Limits on Business

Property This endorsement allows an insured to apply additional coverage for business property. The form modifies the policy by increasing the special limit of $2,500 on business property on the residence premises. The amount that appears on the policy declarations is added to the $2,500 special limit for business property that is kept on the insured’s premises. Increased coverage is also made available for business property that is away from the premises. By attaching the endorsement, the basic special limit of $500 on business property away from the premises is automatically increased to equal 20% of the total on-premises business property limit. Coverage can be increased up to a maximum limit of $5,000 which includes the built-in $2,500 limit.

FR 013 SC

01 07 Section I – Special Coverages Endorsement

The extensions of coverage below are applied to items insured by this endorsement. 1. Comprehensive Glass Coverage on Mobile Farm

Equipment covers breakage of glass from any cause in cabs of machinery insured under the policy. A $250 deductible applies.

2. Up to $20,000 of coverage on borrowed farm machinery (or machinery rented for 30 days or less) when machinery and farm equipment are insured. This coverage is excess.

3. Sudden and Accidental Damage from Artificially Generated Electrical Current (coverage under this perils applies to dwelling forms only) covers loss resulting in damage to a tube, transistor or similar electronic component up to a limit of $500 for any one item or an aggregate total of $1,500 from any one occurrence. This peril does not include loss resulting from accidental erasure or loss of recorded data or electric instructions in a computer system.

FR 014 SPL

09 08 Section II – Seedsmen’s Liability Endorsement—excluding delivery and erroneous mixture.

This endorsement is designed for the sales of seed grain. The Farm and Ranch policy will provide liability (Bodily Injury and Property Damage) coverage when this endorsement is added to the policy. This is not Products Liability Coverage and no coverage is provided for delivery or erroneous mixture. Receipts up to $500,000 can be protected by this endorsement.

FR 015 RVP

01 07 Section I – Recreational Vehicle Physical Damage Endorsement

This endorsement provides coverage against all risks of direct physical loss or damage to recreational vehicles. There is a maximum 100 C.C. on mopeds and mini-bikes (not dirt bikes). There are no CC limits for All Terrain Vehicles or Golf Carts. Motorcycles (including dirt bikes), Snowmobiles and Camper Trailers are not eligible for Physical Damage coverages under this endorsement. They must be insured under a Personal Auto policy.


FR 016

RRE 01 07 Section I – Farm Machinery Rental

Reimbursement Endorsement This endorsement reimburses the cost of renting substitute machinery when an insured machine is damaged by the perils insured against and is out of operating order for more than 24 hours. Minimum amount of insurance is $5,000. A separate deductible applies which must match the machinery deductible.

FR 017 XCR

01 07 Sections I and II Exclusions for Computer-Related Damage or Injury

This form is meant to limit the additional coverages granted to an insured for permitted businesses operated on the insured premises. When a “business” endorsement has been added to a policy to cover businesses such as offices, studios or day care the FR 017 acts to exclude any computer hardware or software loss that is related to the business. Specifically, the endorsement bars coverage for any bodily injury or property damage caused by a computer, accessories, peripherals or similar equipment which fails due to programming or similar malfunctions. However, the form still permits coverage for “bodily injury” that either occurs on the residence premises or away from the residence as long as the “bodily injury” occurs at the premises where the insured’s described business is located. This endorsement will automatically be added to a policy endorsed with (FR 071) Business Pursuits, (FR 097) Home Day Care Coverage, or (FR 042) Permitted Incidental Occupancy (Residence Premises Only.

FR 018 COM

01 07 Special Computer Coverage-- For The Specified Household Personal Property Under Coverage B with Any Peril Code Except 20 to Which This Endorsement Is Attached.

This endorsement expands the protection that applies to its definition of computer equipment. Instead of being covered by the Coverage B perils, this endorsement extends coverage on, roughly, the same basis as the protection which applies to Coverage A, Dwelling. Computer equipment includes computer hardware, software operating systems or networks. Peripheral equipment such as scanners, monitors, printers and modems are also protected since the coverage also applies to electronic parts, equipment or systems solely designed for use with or connected to the computer equipment.

FR 020 ADA

01 07 Specified Additional Amount of Insurance for Coverage A – Dwelling

This form provides an automatic increase in protection under Coverage A. The increase is 25% of the Coverage A insurance limit which is specified on the policy declarations. This is an especially useful endorsement when the insured is making improvements or adding on to the building and a loss occurs before the insured has had the chance to notify the insurer. This endorsement could also be used if the insured has concerns about preserving replacement cost coverage for an insured building and assets. The dwelling must be insured to 100% of replacement cost under Loss Settlement 2 to qualify for this endorsement.

FR 021 AEQ

08 12 Section I – Agricultural Equipment Endorsement

This endorsement is designed to cover portable aeration fans and heaters, irrigation equipment, feed grinders, seed cleaners, electrical motors, dairy equipment, and similar equipment. It provides limited coverage for similar newly acquired equipment for up to 30 days if no other insurance applies. See endorsement for specific provisions.


FR 022

CF CFM

01 07 Custom Farming Endorsement (Section I and II) Extending the physical damage and liability coverages of the Farm and Ranch policy to custom farming operations is provided as an accommodation to our present policyholders. The policy is not intended to cover operations which are the major or primary source of income (not to exceed 25% of gross). There is no additional charge for incidental custom farming (in-state receipts $25,000 or less). An additional premium for physical damage coverage on equipment and for the liability exposure must be charged for receipts in excess of $25,000 in-state or within 100 miles of the Nebraska border. For any out-of-state custom farming operations beyond 100 miles of the Nebraska border, out-of-state rates apply. See rate section of manual to calculate premium. Custom farming means the use of any tractor, farm equipment or farm machinery for farming purposes for others for a charge. It includes operations of combining, haying, stack moving, seeding, feed grinding, seed cleaning, grain drying, ground spraying and soil tillage. Custom farming also includes the maintenance, movement or transportation of any tractor, farm implement or farm machinery in connection with the custom farming operation. All licensed farm trailers or licensed vehicles used to transport farm machinery, farm supplies, farm produce, or crops in association with and in support of custom farming operations are considered to be engaged in custom farming and should be insured under a commercial auto policy. A truck with a permanently mounted stack-mover should also be insured under commercial auto. In-state custom farming are operations conducted in the state in which the insured resides. For additional premium, this endorsement extends the physical and liability coverage of the policy to the custom farming operation. All limits of liability are the same as those carried on the Farm and Ranch policy. Premium is considered fully earned on Section I only. No Worker's Compensation coverages are provided or available under the Farm and Ranch Policy. NOTE: Allow 45 days to process this coverage change.


CUSTOM STACK MOVING Applicants with a truck

mounted stack-mover or tractor with stack-mover must insure the truck under a commercial auto. A farm tractor with a custom stack-mover is to be insured under this endorsement and also insured under Coverage D.1., E.1. or F of the Farm and Ranch Policy.

FR 023 API APM

01 07 Apiary Operations Endorsement Apiary equipment used only for in-state operations may be insured under Coverage D.1., E.1. or F at the ordinary rates. An additional premium for physical damage coverage on equipment (using FR 023) must be charged for any out-of-state apiary operations. Liability premium for out-of-state operations is based on receipts (using FR 023). All limits of liability are the same as those carried on the Farm and Ranch policy. Premium is considered fully earned on Section I only. See rate section of manual to calculate premium. Complete the Apiary Underwriting Check List for insureds desiring coverage, whether in or out of state.

FR 026 FAO

01 07 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage -- For Use with All Dwellings and Household Personal Property except those with peril codes 19 or 20. Use with FR-1, FR-2, FR-4 and FR-MH only

The FR 026 endorsement adds a specified Section I and Section II limit of liability for Fungi, Wet or Dry Rot, or Bacteria if the loss or damage is caused by constant or repeated seepage or leakage of water or the presence or condensation of humidity, moisture or vapor, over a period of weeks, months or years and if such seepage or leakage of water or the presence or condensation of humidity, moisture or vapor and the resulting damage is unknown to all "insureds" and is hidden within the walls or ceilings or beneath the floors or above the ceilings of a structure. This endorsement will be attached to each dwelling on the Farm and Ranch policy with a $1,000 Section I and a $1,000 Section II limit of liability. Up to an additional $5,000 worth of coverage can be purchased for a maximum $6,000 limit of liability.

FR 027 AIS

01 07 Additional Insured – Student Living Away from the Residence Premises

This endorsement extends the definition of insured to include a student not enrolled in school full time (defined by school) or is a student age 24 or older.

FR 028 F35

04 08 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage -- For Coverage A--Dwellings with peril code 19 Use with FR-3 and FR-5 only

The FR 028 endorsement adds a specified Section I and Section II limit of liability for Fungi, Wet or Dry Rot, or Bacteria if the loss or damage is caused by constant or repeated seepage or leakage of water or the presence or condensation of humidity, moisture or vapor, over a period of weeks, months or years and if such seepage or leakage of water or the presence or condensation of humidity, moisture or vapor and the resulting damage is unknown to all "insureds" and is hidden within the walls or ceilings or beneath the floors or above the ceilings of a structure. This endorsement will be attached to each dwelling on the Farm and Ranch policy with a $1,000 Section I and a $1,000 Section II limit of liability. Up to an additional $5,000 worth of coverage can be purchased for a maximum $6,000 limit of liability.


FR 030 FRC

01 07 Functional Replacement Cost Loss Settlement – Dwellings With Loss Settlement 2 or 3 Only

This endorsement transforms the Replacement Cost Loss Settlement provision for specified dwellings into one that settles losses under Coverage A (Dwelling) on a REPAIR cost basis. This is an option that allows an insurer to make the most economical repair or replacement of covered property that is damaged or destroyed.

FR 031 CCC

01 07 Section II – Coverage L –Personal Liability -- Care, Custody or Control Increased Coverage Endorsement

This endorsement will provide $5,000 for damage to dwellings and/or outbuildings of others in the care, custody or control of the insured if legally liable. This endorsement goes into effect at 12:01 a.m. CST on the following day after the original application or request is received in the Home Office. A $250 deductible applies per occurrence.

FR 035 ANI

01 07 Additional Insured Endorsement This endorsement extends coverages under Section I and Section II, Personal Liability and Insured Location, to additional insured(s) named in the Declarations.

FR 036 ANL

01 07 Additional Insured – Insured Location Only

This endorsement amends the definition of insured to include the person(s) or organization(s) named in the Declarations as additional insureds. Only liability losses directly connected to the insured location are eligible for coverage. However, no coverage is provided for injury to an insured’s farm employees and residence employees who are hurt during the course of their employment duties. The additional insured also receives advance notice if the policy is to be canceled or not to be renewed.

FR 040 PDD

01 07 Section II – Property Damage Deductible Endorsement

When activated by the Underwriting Department, a deductible, as listed on the Declarations sheet, will apply to property damage claims of others caused by the Insured and covered under Section II Coverage L -- Personal Liability. The deductible will apply separately to each claim and the Company shall be liable only for loss in excess of such deductible.


FR 041

EXT 01 07 Extended Theft Coverage for

Residence Premises Occasionally Rented to Others

This endorsement covers loss by theft of covered property from that part of a “residence premises” occupied by an occasional tenant, roomer or boarder, members of the tenant’s household, or their employees.

FR 042 OCC

01 07 Permitted Incidental Occupancies – Only Specified Residence Premises to Which This Endorsement is Attached

This endorsement may be used to cover incidental business activity performed by an insured on the residence premises. The activity may take place either in the insured dwelling or in another structure such as a detached garage or utility building. The endorsement also changes the Farm and Ranch policy provisions so that coverage exists for personal property associated with the activity. Finally, the form expands the policy coverage to provide protection against the legal liability related to the incidental business. The full Coverage B limit applies to property of the business that is described in the endorsement. Eligible occupancies include, but are not limited to, accounting and tax service, music or dancing lessons, tutoring or sewing (seamstress). Not eligible are service, sales, warehousing, manufacturing activities, beauty shops, salesrooms, sale barns, or farm equipment dealerships. If the insured maintains an office on the farm premises solely in connection with his farm operation, there is no charge for the coverage.

FR 045

01 07 Additional Interest – Equipment This endorsement extends coverages under Section II Coverage L, Personal Liability, to additional insured(s) named in the Declarations but only with respect to their liability arising out of the maintenance, operation or use by the insured of the equipment listed in the Declarations in which they have a financial interest.

FR 050 PPI

01 07 Personal Property at Other Residences – Increased Limit

This endorsement is used to increase the basic limit of insurance under Coverage B – Personal Property that applies to personal property that is located at another residence owned by an insured (normally 10% of Coverage B). The location of each such residence and the increased limit applicable to it are specified on the declarations.

FR 051 BAI

01 07 Building Improvements, Alterations or Additions – Increased Limit Coverage B

This endorsement gives an insured the option to increase the coverage for building additions and alterations at the additional premium developed from the Premium Section of the Farm and Ranch Manual. This endorsement may only be used with FR-4 (tenant).

FR 052 LVC

01 07 Livestock Collision Coverage This endorsement handles death suffered by livestock that are struck crossing, moving along or standing in a public road. Animals eligible for coverage are beef cattle, dairy cattle, sheep, swine, goats, horses, mules and donkeys. $500 is the maximum payable for the death of one head of livestock. No deductible applies. The form excludes coverage for livestock struck by a vehicle that is operated by an insured or an employee of an insured. Livestock insured under D, E or F already have this coverage.


FR 055 IDF

01 07 Identity Fraud Expense Coverage This endorsement provides up to $15,000 for expenses incurred by an insured as the direct result of any one identity fraud discovered or first learned of during the policy period. A special deductible of $250 applies to any occurrence covered by this endorsement. Endorsement must be purchased by all named insureds on the policy (including any Additional Insureds under FR 035) if any purchase it.

FR 058 MEM

01 07 Other Members of Your Household

This endorsement is attached to provide coverage for a member of a household not included by the standard policy wording. (Not an insured guest, residence employee, tenant, roomer, or boarder.) This endorsement also insures a person under the age of 21 who lives with and is in the legal custody of the person named on the declarations.

FR 059 ALC

01 07 Assisted Living Care Coverage This endorsement provides limited property and liability coverage for a person related to the insured by blood, marriage or adoption. This person cannot be a member of your household and must regularly reside in a living care facility.

FR 061 SPP

04 13 Scheduled Personal Property Endorsement

This endorsement may be attached to provide coverage for scheduled personal property against risks of direct physical loss with exclusions. The coverage is subject to certain exceptions and to individual company guidelines. This coverage becomes particularly important where expensive jewelry and furs are at risk because of the restricted theft coverage provided by the basic Farm Ranch policy. The endorsement is also valuable for protecting camera equipment, musical instruments, silverware, fine arts, collectible stamps and rare and collectible coins. The FR 061 endorsement also has an option to cover breakage of art glass windows, glassware, statuary, marble, bric-a-brac, porcelains and similar fragile articles. Jewelry. When insuring jewelry over $5,000 under

this endorsement, we require that the item beappraised by a person from a jewelry store who hasknowledge in the preparation of the acceptableappraisal. The appraisal will include the CLARITYand COLOR.

Musical Instruments: The usual descriptiveinformation is required. In case of high-valued orunusual instruments, an appraisal by an expert shallbe requested. Musical instruments used bystudents in grades 1-12 can be scheduled. (Musthave receipt.)

Furs: The value confirmation requirements for fursare the same as for jewelry. A full description ofeach item is required and shall include type ofgarment, type and color of fur, length and any otherdistinguishing details.

Cameras: A complete description is necessaryincluding manufacturer’s name, model number andserial number.

Guns: The usual descriptive information is requiredon guns – manufacturer’s name, serial number,size, kind, etc.


Fine Arts – Only authentic antiques or works of artor items of authenticated rarity qualify for thiscoverage. A complete description, including thename of the artist, period, condition, and any otherunusual identification marking, is required on eachitem to be insured.

NOTE: Computer games cannot be scheduled, even if we’re scheduling the computer. Snow skis and water skis cannot be scheduled. Also excluded — golf clubs and bicycles. Full description required for all insured items under $5,000 in value. Appraisal required for all insured items valued at or over $5,000. On articles valued at $10,000 or more, a photograph of the article is to be included. Appraisals should be updated every five years. This information is necessary in order for the Claims Department to adjust a loss on such items. The minimum premium applies to property associated with a specific dwelling or associated with specified Household Personal Property if the dwelling is not owned.

FR 064 RVL

01 07 Section II – Owned Recreational Vehicle Endorsement

The attachment of this endorsement extends Coverages L and M to bodily injury or property damage for owned, scheduled recreational vehicles. Acceptable recreational vehicles that would be covered by this endorsement when scheduled are mopeds, mini-bikes, 4 wheel ATVs, snowmobiles, and golf carts. A premium charge applies separately to each recreational vehicle. Maximum 100 cc for mopeds and mini-bikes and 500 cc for snowmobiles.

FR 065 BIL

01 07 Coverage B Increased Special Limits of Liability

This endorsement may be used to increase the special limits of liability provided under the Farm and Ranch policy. The coverage for guns is extended to include related equipment. The coverage applying to electronic apparatus has been clarified to show that it includes accessories but does not cover such equipment that should be covered under an automobile policy. The increased limit of liability and the total limit of liability will be shown on the policy declarations for each class of property for which an insured wishes additional protection. The Special Limits and the maximum they may be increased to are both shown in the rating manual.

FR 070 ARR

01 07 Additional Residence Rented to Others 1, 2, 3 or 4 Families

This endorsement provides coverage for additional one, two, three or four family residence premises, rented to others, owned by the named insured or spouse. The endorsement extends the definition of “insured location” contained in the policy to include designated premises under Coverage L (personal liability coverage). We will allow only three (3) rental units per policy (at different locations. If four (4) or more locations, we will not extend liability to any locations.



FR 071 BUS

01 07 Section II – Business Pursuits This endorsement may be attached to a Farm and Ranch policy to provide coverage for the liability of an insured arising out of approved business activities, other than a business of which the insured is sole owner or a partner. No Worker's Compensation coverages are provided. A list of the most common pursuits is found in the Rate Section of this manual. Contact the Home Office for eligibility and premium charges on pursuits not listed. Part Time Teachers will have liability coverage for corporal punishment. If it is the insured’s main occupation, this endorsement would not apply. Allowable gross annual receipts vary by risk class. See page R-20 for details.

FR 082 PI

01 07 Personal Injury This endorsement extends Coverage L to include such actionable wrongs as false arrest or imprisonment, malicious prosecution, libel, slander, wrongful entry or eviction and invasion of privacy. Coverage is also extended to provide a defense up to the limit of liability. Required for Excess Liability.

FR 090 PPR

01 07 Section I – Personal Property Replacement Cost Loss Settlement

This endorsement changes the loss settlement basis under Coverage B from actual cash value to full cost of repair or replacement without deduction for depreciation. Antiques, fine arts, paintings, collectors items and obsolete articles are not covered for replacement cost. Along with typical personal property, other items that qualify for replacement cost coverage are awnings, household appliances, outdoor antennas and equipment, and carpeting. A minimum value of $10,000 in Household Personal Property is required for form FR-MH. Eligibility is limited to owner occupied homes or to tenant’s coverage. Coverage B must be insured with perils 1-17 or 20.

FR 097 DAY

01 07 Home Day Care Coverage Endorsement

This endorsement provides property coverage as well as day care liability protection. Insurance is found under Coverages L and M for bodily injury and property damage arising out of home day care coverages for which the insured receives compensation. $2,500 of business personal property is included. We will not write day care coverage if there is a dog, trampoline or swimming pool on premise or if day care is provided for over 3 children. Submit completed Home Day Care Questionnaire to bind coverage. A Coverage M (Medical) limit of $5000 or higher is mandatory.

FR 100 01 07 Exclusion of Terrorism (With Limited Exception) and Exclusion of War

This endorsement excludes coverage for terrorism. Limited exceptions are contained in the policy language. If the total of insured damage does not exceed $25,000,000 and the act of terrorism is not nuclear, chemical or biological, this endorsement may not apply. Please refer to policy language for coverage specifics. This endorsement will be attached to all Farm and Ranch policies.

FR 101

ANT 01 07 Section I – Outdoor Antennas –

Additional Limit This endorsement allows the insured to purchase coverage in addition to the $500 Section I – Additional Coverage for outdoor antennas or dish antennas that are attached to a Dwelling or Outbuilding by lead-in wiring. You must indicate which building the additional antenna amount is for and it will be printed on the declarations. The dwelling or outbuilding deductible applies.

FR 102 FD

01 07 Section I – Fire Department Service Charge – Additional Limit

This endorsement allows the insured to purchase coverage in addition to the $500 Section I – Additional Coverage for Fire Department Service Charge. No deductible applies.

FR 103 PKS

01 07 Peak Season Limit of Insurance This endorsement will increase the amount of insurance for Farm Personal Property to include the amount shown for the period of time specified. Use this endorsement for Potatoes in Storage insured under Coverage F (add FR 104) and for other Farm Personal Property such as grain or livestock.

FR 104 PSE

01 07 Section I -- Potatoes in Storage Add this endorsement whenever the Peak Season Endorsement is written for Potatoes in storage insured under Coverage F (Blanket). This will delete potatoes from Property Not Insured under Coverage F.

FR 105 (LOC)

01 07 Additional Insured Location The liability base policy premium covers one dwelling and all farm building at the residence premises. Additional locations may be covered by adding FR 105 and listing the legal descriptions on the Declarations. This makes them insured locations for both Section I and II.

FR 106 (PSA)

11 08 Section I –Additional Coverages for Potatoes in Storage

Use FR 106 to add collapse coverage for Potatoes in Storage (insured as either Scheduled or Blanket) and to add freezing coverage as a direct or indirect result of structural damage to the potato storage facility caused by fire damage, windstorm or roof collapse. If added, must be added for all potatoes.

FR 107 (DON)

01 07 Section II -- Additional Dwelling On Farm Endorsement

Use FR 107 to add liability coverage for additional dwellings that are located on the farm (at the residence premises of the named insured). Coverage for one On Farm dwelling is included in the basic premium.

FR 108 (DOF)

01 07 Section II -- Additional Dwelling Off Farm Endorsement

Use FR 108 to add liability coverage for any dwellings that are located off the farm (not at the residence premises of the named insured). You must provide the location information.

FR 110 (SPD)

09 08 Section II – Seedsmen’s Liability Endorsement—including delivery and erroneous mixture.

This endorsement is designed for the sales of seed grain. The Farm and Ranch policy will provide liability (Bodily Injury and Property Damage) coverage when this endorsement is added to the policy. This is not Products Liability Coverage. Limited coverage is provided for delivery or erroneous mixture. Receipts up to $500,000 can be protected by this endorsement.

FR 112

01 09 Loss Payable Provisions This endorsement will provide a specified Lender with rights that are similar to mortgagee rights concerning notice of cancellation and non-renewal and the right to be paid for a loss even if the claim is denied due to actions of the insured. This endorsement will be attached to a policy only if it is required by the Lender of the specified property.



FR 113 ANN

03 10 Liability Coverages (L, M, N) Exclusion

This endorsement will be used for clients who have their own personal liability on another policy and only need farm liability on the farm policy. This endorsement excludes all Liability Coverages under Coverage L (Personal Liability), Coverage M (Medical Payments to Others) and Coverage N (Family Medical Payments). It will be used in conjunction with our FR 036 endorsement (Additional Insured—Insured Location Only). This will add back farm liability.

FR 115 DE1

09 14 Dog Exclusion Endorsement This endorsement excludes all Section II Liability Coverages for any claims caused by a dog or dogs owned by or in the care of any insured. A signed copy of form FR Excl-D1 must be kept on file in the agent’s office.

FR 117 DE2

09 14 Dog Exclusion Endorsement Number 2

If an insured has had an Battle Creek Claim in which a dog or dogs owned by them or in their care were involved, we require that the dog(s) be destroyed and that the insured sign an affirmation of that fact. Should this affirmation prove to be false, any further claim of “bodily injury” or “property damage” caused by any dog or dogs owned by or in the care of any “insured” will void and nullify all coverages for those claims under Section II – Liability Coverages of the policy. A signed copy of form FRNE Excl-D2 must be kept on file in the agent’s office.

FR 118 XMR

08 12 Section I – Exclusion of Cosmetic Loss to Metal Roof Coverings Caused by Hail

This endorsement excludes cosmetic damage to metal roof coverings of buildings and structures caused by hail.

FR 121 01 18 Lead Based Paint Exclusion This is a mandatory endorsement which is attached to every FR policy. This endorsement excludes bodily injury arising out of the actual or alleged, ingestion, inhalation, or absorption into the body by any means, of “lead” based paint material, including paint chips, dust or other airborne particles.

FR 123 02 18 Pollution Liability Coverage – Property Damage Liability Deductible

This endorsement adds a per occurrence deductible that is the greater of 10% of the total amount of damage or $1,000.

FR 350 08 11 Signatures Endorsement This is a mandatory endorsement which is attached to every FR policy. It contains the signatures of the current President and Secretary of Battle Creek Mutual.

FR MHV MHV

01 07 Mobile Home Vendor’s Single Interest Endorsement

FR-MHV Mobile Home Vendor's Single Interest Endorsement - extends coverage to the lienholder. This can be added if required by the lienholder. Premium is considered fully earned.

FR MH O4 MHL

07 09 Manufactured Home Loss Settlement

If attached, we will permit a mobile/ manufactured home situated on a permanent foundation or on recommended piers to be written as a form FR-2 or a form FR-3. If the amount of insurance is less than 80% of full replacement cost, the loss settlement is changed to pay the lesser of the listed amounts.

FR NE EB EB

08 11 Equipment Breakdown Enhancement Endorsement All policies insuring property

This endorsement is attached to all policies insuring property amending the basic policy language to provide coverage for mechanical breakdown such as failure of a furnace, central air system, GPS system, grain dryer, irrigation equipment, etc. The deductible for this coverage follows the property deductible that would otherwise apply.

April 2018 R-1 Battle Creek Mutual

Section I DWELLINGS — FR-1, FR-2, FR-3 and FR-5 —PREFERRED RATE LEVEL ** MASONRY* AND FRAME CONSTRUCTION — ANNUAL PREMIUMS — $1000 DEDUCTIBLE***

Type 1 Type 2 Type 3

FR-1 FR-2 FR-3 FR-5 FR-1 FR-2 FR-1

Cov. A/B Perils Loss Settlement A/B

1-10/1-10 1/1

1-18/1-17 2****/1

19/1-17 2****/1

19/20 2****/1

1-10/1-10 1/1

1-18/1-17 2****/1

1-10/1-10 1/1

Amount of Ins. *****

15,000 — — — — 225.20 — 341.70 16,000 — — — — 227.60 — 345.30 17,000 — — — — 230.00 — 349.00 18,000 — — — — 232.40 — 352.60 19,000 — — — — 234.80 — 356.30

20,000 — — — — 237.20 — 359.90 21,000 — — — — 246.20 — 373.60 22,000 — — — — 255.30 — 387.30 23,000 — — — — 264.30 — 400.90 24,000 — — — — 273.30 — 414.60

25,000 194.70 219.00 — — 282.30 317.60 428.30 26,000 200.90 226.00 — — 291.30 327.70 441.90 27,000 207.10 233.00 — — 300.30 337.90 455.60 28,000 213.30 240.00 — — 309.30 348.00 469.30 29,000 219.50 247.00 — — 318.30 358.10 482.90

30,000 225.70 254.00 — — 327.30 368.30 496.60 31,000 229.50 258.20 — — 332.70 374.30 504.80 32,000 233.20 262.40 — — 338.10 380.40 513.00 33,000 236.90 266.60 — — 343.50 386.50 521.20 34,000 240.70 270.70 — — 348.90 392.60 529.40

35,000 244.40 274.90 — — 354.40 398.70 537.60 36,000 248.10 279.10 — — 359.80 404.70 545.80 37,000 251.80 283.30 — — 365.20 410.80 554.00 38,000 255.60 287.50 — — 370.60 416.90 562.20 39,000 259.30 291.70 — — 376.00 423.00 570.40

40,000 263.00 295.90 — — 381.40 429.10 578.60 41,000 266.70 300.10 — — 386.80 435.20 586.80 42,000 270.50 304.30 — — 392.20 441.20 595.00 43,000 274.20 308.50 — — 397.60 447.30 603.20 44,000 277.90 312.70 — — 403.00 453.40 611.40

45,000 281.70 316.90 — — 408.40 459.50 619.60 46,000 285.40 321.10 — — 413.80 465.60 627.80 47,000 289.10 325.30 — — 419.20 471.60 636.00 48,000 292.80 329.50 — — 424.60 477.70 644.20 49,000 296.60 333.70 — — 430.00 483.80 652.40

50,000 300.30 337.90 — — 435.40 489.90 660.60 51,000 306.50 344.80 — — 444.40 500.00 674.30 52,000 312.70 351.80 — — 453.50 510.20 688.00 53,000 318.90 358.80 — — 462.50 520.30 701.60 54,000 325.10 365.80 — — 471.50 530.40 715.30

55,000 331.40 372.80 — — 480.50 540.60 729.00 56,000 337.60 379.80 — — 489.50 550.70 742.60 57,000 343.80 386.80 — — 498.50 560.80 756.30 58,000 350.00 393.80 — — 507.50 571.00 770.00 59,000 356.20 400.80 — — 516.50 581.10 783.60

60,000 362.40 407.80 453.10 — 525.50 591.20 797.30 61,000 368.60 414.70 460.80 — 534.50 601.40 811.00 62,000 374.90 421.70 468.60 — 543.50 611.50 824.60 63,000 381.10 428.70 476.40 — 552.60 621.60 838.30 64,000 387.30 435.70 484.10 — 561.60 631.80 852.00

* Brick (Masonry) dwelling: Multiply FRAME premium by .95 and round to nearest dime before any adjustment for deductible.

** see Rate level factors on page R-5 *****Note: some of the amounts of insurance printed are *** see Optional deductible factors on page R-5 only valid for the Standard level. Use them only with the Standard level factor. (See p. G-6 for minimums.) **** Loss Settlement may be changed to Loss Settlement 3 - ACV for Windstorm/Hail to Roof Surfaces for a 1% credit.




. FR-1 FR-2 FR-3 FR-5 FR-1 FR-2 FR-1


1-10/1-10 1/1

1-18/1-17 2****/1

19/1-17 2****/1

19/20 2****/1

1-10/1-10 1/1

1-18/1-17 2****/1

1-10/1-10 1/1

Amount of Ins. *****

65,000 393.50 442.70 491.90 — 570.60 641.90 865.60 66,000 399.70 449.70 499.70 — 579.60 652.10 879.30 67,000 405.90 456.70 507.40 — 588.60 662.20 893.00 68,000 412.10 463.70 515.20 — 597.60 672.30 906.60 69,000 418.30 470.70 523.00 — 606.60 682.50 920.30

70,000 424.60 477.70 530.70 — 615.60 692.60 934.00 71,000 431.20 485.10 539.00 — 625.20 703.40 948.60 72,000 437.80 492.60 547.30 — 634.80 714.20 963.10 73,000 444.40 500.00 555.60 — 644.40 725.00 977.70 74,000 451.10 507.50 563.90 — 654.10 735.80 992.30

75,000 457.70 514.90 572.20 — 663.70 746.60 1006.90 76,000 464.30 522.40 580.50 — 673.30 757.50 1021.50 77,000 470.90 529.80 588.70 — 682.90 768.30 1036.00 78,000 477.60 537.30 597.00 — 692.50 779.10 1050.60 79,000 484.20 544.80 605.30 — 702.10 789.90 1065.20

80,000 490.80 552.20 613.60 705.70 711.70 800.70 1079.80 81,000 497.50 559.70 621.90 715.20 721.30 811.50 1094.40 82,000 504.10 567.10 630.20 724.70 730.90 822.30 1108.90 83,000 510.70 574.60 638.40 734.30 740.50 833.10 1123.50 84,000 517.30 582.00 646.70 743.80 750.10 843.90 1138.10

85,000 524.00 589.50 655.00 753.30 759.80 854.80 1152.70 86,000 530.60 596.90 663.30 762.80 769.40 865.60 1167.20 87,000 537.20 604.40 671.60 772.40 779.00 876.40 1181.80 88,000 543.80 611.90 679.90 781.90 788.60 887.20 1196.40 89,000 550.50 619.30 688.20 791.40 798.20 898.00 1211.00

90,000 557.10 626.80 696.40 800.90 807.80 908.80 1225.60 91,000 563.70 634.20 704.70 810.50 817.40 919.60 1240.10 92,000 570.40 641.70 713.00 820.00 827.00 930.40 1254.70 93,000 577.00 649.10 721.30 829.50 836.60 941.30 1269.30 94,000 583.60 656.60 729.60 839.10 846.20 952.10 1283.90

95,000 590.20 664.10 737.90 848.60 855.90 962.90 1298.50 96,000 596.90 671.50 746.10 858.10 865.50 973.70 1313.00 97,000 603.50 679.00 754.40 867.60 875.10 984.50 1327.60 98,000 610.10 686.40 762.70 877.20 884.70 995.30 1342.20 99,000 616.70 693.90 771.00 886.70 894.30 1006.10 1356.80

100,000 623.40 701.30 779.30 896.20 903.90 1016.90 1371.40 101,000 629.20 707.90 786.50 904.60 912.30 1026.40 1384.10 102,000 635.00 714.40 793.80 912.90 920.70 1035.80 1396.90 103,000 640.80 720.90 801.00 921.20 929.10 1045.30 1409.60 104,000 646.60 727.40 808.30 929.60 937.50 1054.80 1422.40

105,000 652.40 734.00 815.50 937.90 945.90 1064.20 1435.10 106,000 658.20 740.50 822.80 946.20 954.40 1073.70 1447.90 107,000 664.00 747.00 830.00 954.60 962.80 1083.10 1460.70 108,000 669.80 753.50 837.30 962.90 971.20 1092.60 1473.40 109,000 675.60 760.00 844.50 971.30 979.60 1102.10 1486.20

110,000 681.40 766.60 851.80 979.60 988.00 1111.50 1498.90 111,000 687.20 773.10 859.00 987.90 996.40 1121.00 1511.70 112,000 693.00 779.60 866.30 996.30 1004.80 1130.40 1524.40 113,000 698.80 786.10 873.50 1004.60 1013.20 1139.90 1537.20 114,000 704.60 792.70 880.80 1012.90 1021.60 1149.40 1550.00

* Brick (Masonry) dwelling: Multiply FRAME premium by .95 and round to nearest dime before any adjustment for deductible.

** see Rate level factors on page R-5 *****Note: some of the amounts of insurance printed are *** see Optional deductible factors on page R-5 only valid for the Standard level. Use them only with

the Standard level factor. (See p. G-6 for minimums.) **** Loss Settlement may be changed to Loss Settlement 3 - ACV for Windstorm/Hail to Roof Surfaces for a 1% credit.




FR-1 FR-2 FR-3 FR-5 FR-1 FR-2 FR-1


1-10/1-10 1/1

1-18/1-17 2****/1

19/1-17 2****/1

19/20 2****/1

1-10/1-10 1/1

1-18/1-17 2****/1

1-10/1-10 1/1

Amount of Ins.

115,000 710.40 799.20 888.00 1021.30 1030.00 1158.80 1562.70 116,000 716.20 805.70 895.30 1029.60 1038.40 1168.30 1575.50 117,000 722.00 812.20 902.50 1038.00 1046.80 1177.70 1588.20 118,000 727.70 818.80 909.80 1046.30 1055.30 1187.20 1601.00 119,000 733.50 825.30 917.00 1054.60 1063.70 1196.70 1613.70

120,000 739.30 831.80 924.30 1063.00 1072.10 1206.10 1626.50 121,000 745.10 838.30 931.50 1071.30 1080.50 1215.60 1639.20 122,000 750.90 844.90 938.80 1079.60 1088.90 1225.00 1652.00 123,000 756.70 851.40 946.00 1088.00 1097.30 1234.50 1664.80 124,000 762.50 857.90 953.30 1096.30 1105.70 1244.00 1677.50

125,000 768.30 864.40 960.50 1104.70 1114.10 1253.40 1690.30 126,000 774.10 871.00 967.80 1113.00 1122.50 1262.90 1703.00 127,000 779.90 877.50 975.00 1121.30 1130.90 1272.30 1715.80 128,000 785.70 884.00 982.30 1129.70 1139.30 1281.80 1728.50 129,000 791.50 890.50 989.50 1138.00 1147.70 1291.30 1741.30

130,000 797.30 897.10 996.80 1146.30 1156.20 1300.70 1754.10 131,000 803.10 903.60 1004.00 1154.70 1164.60 1310.20 1766.80 132,000 808.90 910.10 1011.30 1163.00 1173.00 1319.60 1779.60 133,000 814.70 916.60 1018.50 1171.30 1181.40 1329.10 1792.30 134,000 820.50 923.10 1025.80 1179.70 1189.80 1338.60 1805.10

135,000 826.30 929.70 1033.00 1188.00 1198.20 1348.00 1817.80 136,000 832.10 936.20 1040.30 1196.40 1206.60 1357.50 1830.60 137,000 837.90 942.70 1047.50 1204.70 1215.00 1366.90 1843.40 138,000 843.70 949.20 1054.80 1213.00 1223.40 1376.40 1856.10 139,000 849.50 955.80 1062.00 1221.40 1231.80 1385.90 1868.90

140,000 855.30 962.30 1069.30 1229.70 1240.20 1395.30 1881.60 141,000 861.10 968.80 1076.50 1238.00 1248.60 1404.80 1894.40 142,000 866.90 975.30 1083.80 1246.40 1257.10 1414.20 1907.10 143,000 872.70 981.90 1091.00 1254.70 1265.50 1423.70 1919.90 144,000 878.50 988.40 1098.30 1263.10 1273.90 1433.20 1932.70

145,000 884.30 994.90 1105.50 1271.40 1282.30 1442.60 1945.40 146,000 890.10 1001.40 1112.80 1279.70 1290.70 1452.10 1958.20 147,000 895.90 1008.00 1120.00 1288.10 1299.10 1461.50 1970.90 148,000 901.70 1014.50 1127.30 1296.40 1307.50 1471.00 1983.70 149,000 907.50 1021.00 1134.50 1304.70 1315.90 1480.50 1996.40

150,000 913.30 1027.50 1141.70 1313.10 1324.30 1489.90 2009.20 155,000 938.20 1055.50 1172.80 1348.80 1360.40 1530.50 2063.90

160,000 963.00 1083.50 1203.90 1384.50 1396.40 1571.00 2118.50 165,000 987.90 1111.40 1235.00 1420.30 1432.40 1611.50 2173.20

170,000 1012.70 1139.40 1266.00 1456.00 1468.50 1652.10 2227.90 175,000 1037.60 1167.30 1297.10 1491.70 1504.50 1692.60 2282.60

180,000 1062.40 1195.30 1328.20 1527.50 1540.50 1733.20 2337.20 185,000 1087.30 1223.30 1359.20 1563.20 1576.60 1773.70 2391.90

190,000 1112.10 1251.20 1390.30 1598.90 1612.60 1814.30 2446.60 195,000 1137.00 1279.20 1421.40 1634.60 1648.60 1854.80 2501.20

200,000 1161.80 1307.10 1452.40 1670.40 1684.70 1895.30 2555.90

Per $10,000 In Excess of $200,000*****

49.70 55.90 62.10 71.50 72.10 81.00 109.30

* Brick (Masonry) dwelling: Multiply FRAME premium by .95 and round to nearest dime before any adjustment for deductible.** see Rate level factors on page R-5 *** see Optional deductible factors on page R-5

**** Loss Settlement may be changed to Loss Settlement 3 - ACV for Windstorm/Hail to Roof Surfaces for a 1% credit. ***** These additions are rounded to the nearest dime. Rounding is done in the computer rating program on the total premium and

could cause differences of a few cents.

August 2012 R-4 Battle Creek Mutual

PROTECTION CLASS DISCOUNT

When principal dwelling is located within 5 miles of Town Class 1-8, multiply premium by .85. (Must be owner-occupied.) This discount is available for FR-1, FR-2, FR-3 and FR-5.

MISCELLANEOUS RATING SURCHARGE

Non-Conventional Heat (Solid Fuel Burning) Surcharge: Add $30 (per unit). All Forms.

MISCELLANEOUS RATING DISCOUNTS

Forms FR-4, FR-1 and FR-MH are not eligible for protective device, new home or new roof discounts. Mobile Homes/Manufactured Homes issued as FR-1, FR-2 or FR-3 are not eligible for a new home discount, new roof discount or protection class discount. Seasonal Dwellings qualify for the following discounts:

• New Home• Fire and/or Burglar alarm Reporting to Either Fire Department, Police Department or Central Station• Automatic Sprinklers• New Roof• Protection Class Discount (Within 5 Mile)

PROTECTIVE DEVICE CREDITS:

Protective Device Discount

Fire or Smoke Local Alarm on Each Level and Fire Extinguisher 3%

Dead Bolt Locks on All Exterior Doors 2%

Burglar Alarm System 5% or, Fire and/or Burglar Alarm Reporting to Either Fire Department, Police

Department or Central Station 10%

Automatic Sprinklers--in all areas & in all attached structures 10% or, Automatic Sprinklers--but omitted in bathrooms, attics, closets or

attached structures 5%

NEW HOME DISCOUNT:

The new home discount will be adjusted annually, prior to billing:

Discount : Discount

25% During Current Calendar Year 13% Six years preceding current calendar year

23% One year preceding current calendar year 11% Seven years preceding current calendar year

21% Two years preceding current calendar year 9% Eight years preceding current calendar year

19% Three years preceding current calendar year 7% Nine years preceding current calendar year

17% Four years preceding current calendar year 5% Ten years preceding current calendar year

15% Five years preceding current calendar year

Add the protective device discount to the new home discount to determine the total Miscellaneous rating discount. The maximum allowed miscellaneous rating discount is 25%.

NEW ROOF DISCOUNT: Forms FR-1, FR-4 and FR-MH are not eligible for this discount. The new roof discount will be adjusted annually, prior to billing.

Discount Roof Replaced: Discount Roof Replaced: 10% Current Calendar Year 5% Five years preceding current calendar year 9% One year preceding current calendar year 4% Six years preceding current calendar year 8% Two years preceding current calendar year 3% Seven years preceding current calendar year 7% Three years preceding current calendar year 2% Eight years preceding current calendar year 6% Four years preceding current calendar year 1% Nine years preceding current calendar year


MATURE HOMEOWNER DISCOUNT: The Mature Homeowner discount factor is .95 and is applied to the basic dwelling premium. This discount is available for all policy forms.

Rate Level Factor

Ultra Preferred Rate Level Preferred Rate Level Standard Rate Level

0.90 1.00 1.25

Multi-Line Discounts: An 8% discount applies per line (farm trucks/personal auto, Crop Hail, Excess).

Optional Deductible Factors These Split Deductibles with Windstorm/Hail Options are only available for buildings Under Coverage A or G

Deductible Factor Deductible Factor $500 Ded. 1.35 (not avail. for blgs.) $1,000 Ded. 1.00 (base) $500 Ded. with $1,000 Windstorm/Hail 1.05 $2,500 Ded. 0.90 — MAX $1350 $500 Ded. with $2,500 Windstorm/Hail 0.98 — MAX $500 $5,000 Ded. 0.85 $1000 Ded. with $2,500 Windstorm/Hail 0.95 — MAX $900 $10,000 Ded. 0.75

East 1.00 West 1.15

FR-4 — HOUSEHOLD PERSONAL PROPERTY PREFERRED RATE LEVEL *— ANNUAL PREMIUMS — $1000 DEDUCTIBLE**

Coverage B Amount of Insurance

1 Family Dwelling (Type 1)

2 apts. and over in Dwelling (Type 2)

Mobile Home (Type 3)

Perils 1-17 Loss Settlement 1



15,000 64.70 90.50 119.60

16,000 69.00 96.50 127.50

17,000 73.30 102.50 135.50

18,000 77.60 108.50 143.50

19,000 81.90 114.60 151.40

20,000 86.20 120.60 159.40

21,000 90.50 126.60 167.40

22,000 94.80 132.70 175.30

23,000 99.10 138.70 183.30

24,000 103.40 144.70 191.30

25,000 107.80 150.80 199.30

26,000 112.10 156.80 207.20

27,000 116.40 162.80 215.20

28,000 120.70 168.80 223.20

29,000 125.00 174.90 231.10

30,000 129.30 180.90 239.10

For each add'l $1000 add –

4.31 6.03 7.97

* see Rate level factors above. ** Optional Deductibles: see deductible factors above.

Minimum Coverage B Amount of Insurance for FR-4 is $15,000 for Standard and $25,000 for Preferred or Ultra-Preferred.

October 2014 R-6 Battle Creek Mutual

FR-MH MOBILE HOME PREFERRED RATE LEVEL *— ANNUAL PREMIUMS — $1000 DEDUCTIBLE**

Amount of Insurance

Type 1 Age 1-5

Type 2 Age 6-10

Type 3 Age 11 & over

Cov. A Perils 1-18 Cov. B. Perils 1-17

Loss Settlement A/B 1/1





5,000 68.70 82.50 96.20

6,000 82.40 98.90 115.40

7,000 96.20 115.40 134.70

8,000 109.90 131.90 153.90

9,000 123.70 148.40 173.20

10,000 137.40 164.90 192.40

11,000 151.10 181.40 211.60

12,000 164.90 197.90 230.90

13,000 178.60 214.40 250.10

14,000 192.40 230.90 269.40

15,000 206.10 247.40 288.60

16,000 219.80 263.80 307.80

17,000 233.60 280.30 327.10

18,000 247.30 296.80 346.30

19,000 261.10 313.30 365.60

20,000 274.80 329.80 384.80

For each additional $1000 add — 13.74 16.49 19.24

Additions to Mobile Home (sheds or entries). Include the value of these additions as part of the value of the Mobile Home.

* see Rate level factors on page G-5** Optional Deductibles: see deductible factors on page R-5.

Minimum Coverage A Amount of Insurance for FR-MH is $5,000 for Standard, Preferred or Ultra-Preferred.

Mobile homes which have a solid fuel heating unit are not acceptable.


Coverage G – BUILDINGS AND STRUCTURES PREFERRED RATE LEVEL* — ANNUAL PREMIUMS — $1000 DEDUCTIBLE**

SECTION I - Rates are per $1000 of Insurance. These rates are for Loss Settlement 1.

Outbuildings (Without Collapse) Outbuildings (with Collapse)

Perils 1-11 + 18

Perils 1-11

Fire & Lightning (Peril 1)

Windstorm & Hail

(Peril 2)

F/L and W/H

(Perils 1 & 2)

Type 1 $5.70 $2.50 $3.00 $5.40 $5.90

Type 2 $7.70 $3.40 $4.10 $7.30 $8.00

Type 3 $12.30 $5.40 $6.50 $11.60 $12.70

Type 4 (Silos)***

$4.40 $1.90 $2.30 $4.20 $4.50

Type 5 (Substandard)

$21.70 $9.50 $11.40 $20.50 $22.40

Type 8 Poles and Outdoor Wiring per $1000 Coverage – rate for all deductibles

(perils 1-11) $3.70

($1000 included under Cov. G)

Substandard Risks — Type 5 Example — vacant building or building off premises.

Collapse coverage is available at inception of a policy or on review date or renewal date. See page G-17 for guidelines. Complete change form with new photos.

NOTE: Buildings insured with and without Collapse must carry the same deductible.

Use same deductible for all buildings insured under Coverage G except Potato Warehouse and Confinement buildings.

* see Rate level factors on page G-5

** Optional Deductibles: see deductible factors on page R-5.

Building Type Rules

***Type 4-all Silos

All buildings open on one or more sides rate as Type 3.

Non-Conventional Heat (Solid Fuel Burning) Surcharge: Add $30 (per unit)

Replacement Cost Coverage. Premium is $5 per building. This changes the coverage to Loss Settlement 2. See information on page G-25 for guidelines.


SPECIAL OUTBUILDING RATES — Coverage G PREFERRED RATE LEVEL * — ANNUAL PREMIUMS — $1000 DEDUCTIBLE**

Special Outbuildings include potato storage warehouses and livestock confinement*** buildings.

SPECIAL OUTBUILDING RATES per $1000 of Insurance, Loss Settlement 1

Potato Warehouse

(without Collapse) Perils 1-11 (Type 6)

Potato Warehouse

(with Collapse) Perils 1- 11 + 18

(Type 6)

Confinement Building

(without Collapse) Perils 1-11 (Type 7)

Confinement Building

(with Collapse) Perils 1-11 + 18

(Type 7)

$7.00 base rate $9.30 base rate $3.50 base rate $4.70 base rate

Prior Underwriting Approval is Required

Multiply by each of the applicable factors, rounding to the nearest dime after each calculation. Construction: Potato Warehouse Factors Confinement Building Factors

All Steel including Roof 1.00 No Unprotected cellular insulation and has All Steel except Roof 1.09 appropriate fire wall 1.00 Wood Frame Steel Clad 1.11 Attic and/or work area of more than 125’ Wood Frame Exterior and without floor to roof line fire partition 1.09 Asphalt shingles 1.23 Cellular insulation, has unprotected materials deemed hazardous by the Company 2.41

** Optional Deductibles: see deductible factors on page R-5. Protection Class: Potato Warehouse Factors Confinement Building Factors

1-6 0.73 Not Applicable 7-8 0.93 9-10 1.00 (Base)

Underwriting adjustment factor: use the factor determined by completing the required Potato Warehouse Adjustment Worksheet or Confinement Building Adjustment Worksheet. Age Factor: Potato Warehouse Factors Confinement Building Factors

New to 10 years old 1.00 Not Applicable 11 – 20 years old 1.09 21 years and over 1.30

***Contact the Home Office for approval of Confinement buildings. Replacement Cost Coverage Premium is $5 per building. This changes the coverage to Loss Settlement 2. See information on page G-25 for guidelines. * see Rate level factors on page G-5


SCHEDULED FARM PERSONAL PROPERTY Coverage D.1., D.2., D.3. and D.4.

ALL RATES ARE PER $1000 INSURANCE, LOSS SETTLEMENT 1 $1000 Ded.* D.1. Machinery & Equipment (Perils 1-10) $3.50

D.2. Grain, Fertilizer, Feed & Hay (Perils 1-10) $1.80 Hay (use this rate if hay insured alone) $2.70 Potatoes in Storage $2.40 D.3. Livestock (Must carry same deductible as any E.3. coverage)

Perils 1-10 + 21-25 $3.80 Perils 1-10 $2.90 Perils 1-10 + 21-25 Exotic Livestock $4.80 Perils 1-10 Exotic Livestock $3.60

D.4. Poultry (Must carry same deductible as any D.3. or E.3. coverage)

(Perils 1 and 9 -- Fire, Theft or Lightning only.) $3.60 * Optional Deductibles: see deductible factors on page R-5.

UNSCHEDULED FARM PERSONAL PROPERTY Coverage E.1., E.2., E.3.

ALL RATES ARE PER $1000 INSURANCE, LOSS SETTLEMENT 1 $1000 Ded.* E.1. Machinery & Equipment (Perils 1-10) (Minimum Amount of Insurance: $20,000) $2.60 E.2. Unscheduled Grain/Fertilizer (Perils 1-10) (Must show total storage capacity) $0.70

Feed Grain (Storage capacity does not apply) $1.30

Hay (Storage capacity does not apply) If Hay insured alone, use D.2. rate. $1.50 E.3. Livestock (Any animal over $2,000 must be scheduled.)

Perils 1-10 + 21-25 $2.70 Perils 1-10 $1.80 Perils 1-10 + 21-25 Exotic Livestock $3.40 Perils 1-10 Exotic Livestock $2.30 (Minimum Amount of Insurance: $10,000 — Must carry same deductible as any D.3. coverage.)

* Optional Deductibles: see deductible factors on page R-5.

BLANKET FARM PERSONAL PROPERTY Coverage F

ALL RATES ARE PER $1000 INSURANCE, LOSS SETTLEMENT 1 (Minimum Amount of Insurance: $10,000) $1000 Ded.* Perils 1-9 (no Collision) $1.50

Perils 1-10 $2.00 Perils 1-10 + 21-25 $2.50

* Optional Deductibles: see deductible factors on page R-5.

• BORROWED FARM MACHINERY (Automatic coverage up to $20,000 on FR 013.) If value exceeds $20,000, insure for entire value, use D.1. rate. • FARM MACHINERY RENTED FOR 30 DAYS OR LESS (Automatic coverage up to $20,000 on FR 013.) If value exceeds $20,000, insure for entire value, use D.1. rate. • FARM MACHINERY RENTED FOR OVER 30 DAYS. ALSO LEASED MACHINERY. Insure entire value. Use D.1. rate if leased for less than one year. If leased over one year, use E.1. or include

in F.


SECTION I (PHYSICAL DAMAGE) OPTIONAL COVERAGES

Household Personal Property (Coverage B) – Increased limits on Forms FR-1, FR-2, FR-3, FR-5 and FR-MH. (ADB) Can be increased at the charge of $2.00 per $1000 of insurance. Coverage B (Household Personal Property)

To delete Coverage B (and C) use 70% of the applicable premium. FR 003 Backup of Sewer, Drain or Sump Pump Endorsement (FR-2, FR-3, FR-4, FR-5) (A $1000 deductible

(BKU) applies on an occurrence basis.)

Limit Premium $1,000 $10 $2,000 $20

$3,000 $30 $4,000 $40 $5,000 $50 $6,000 $60

We require a dwelling to have drain tile and an operable sump pump in the dwelling to qualify for coverages over $5000

$7,000 $70 $8,000 $80 $9,000 $90 $10,000 $100 $11,000 $110 $12,000 $120 $13,000 $130 $14,000 $140 $15,000 $150 $16,000 $160 $17,000 $170 $18,000 $180 $19,000 $190 $20,000 $200

FR 008 Livestock Suffocation Endorsement - Submit separate application. (SUF) Submit to the Home Office on a trial basis, indicating the requested effective date. No agent has

binding authority for this coverage. with Automatic Standby Generator OR 24 hour surveillance with manual start generator $0.40 per hundred with Automatic Standby Generator AND Telephone Alarm System $0.30 per hundred

FR 009 Livestock Mortality Endorsement - Submit separate application. (LVM) The charge for this coverage shall be 8% of the actual purchase price or appraisal price of the

animal. The limit of binding authority is $5,000. Any request for over $5,000, submit to Home Office on trial basis. The minimum premium charge on this coverage is $26.00.

The age limit on livestock is: Cattle: 3 mo. - 7 years Sheep: 3 mo. - 4 years Horses: 3 mo. - 12 years Hogs: 6 mo. - 3 years

Veterinarian examination must be paid for by the Insured. FR 010 Additional Interests – Residence Premises. All forms. This is a no charge endorsement. FR 10A Livestock Blizzard Endorsement (Note: 14-day waiting period) (BZE) Premium is considered fully earned. This coverage is only available at inception date of a policy or on the review date or renewal date of the

policy. This can be added under the D.3.,E.3. and F coverage (perils 1-10 & 21-25) by charging the following rates per $100:

1) Confined Livestock $0.125 2) All other Livestock $0.250


SECTION I (PHYSICAL DAMAGE) OPTIONAL COVERAGES FR 10B Farm Machinery and Implements Foreign Object Ingestion. Deductible of 10% of loss

(FOI) This coverage, or any changes to a coverage limit for a specific item, is only available at inception date of a policy or renewal date of the policy. The premium charge is per each specific item of machinery or implement selected for coverage and depends on the limit selected.

For a $5,000 coverage limit for the specific item $125 per each item For a $10,000 coverage limit for the specific item $250 per each item For a $25,000 coverage limit for the specific item $350 per each item For a $50,000 coverage limit for the specific item $550 per each item For a $75,000 coverage limit for the specific item $750 per each item

FR 10C Non-Owned Livestock Endorsement ($500 deductible only) (NOL) Premium is considered fully earned.

Limit Premium $1000 $6 $2000 $10 $3000 $14 $4000 $18

FR 012 Increased Limits on Business Property. (IBP) Can be increased from the special limit of $2,500 at the charge of $.50 per $100 of insurance. Maximum

limit allowed for FR 012 is $5,000 and we only charge on the additional limit above the built-in $2,500.

FR 013 Special Coverages Endorsement (SC) $28 flat premium charge (must have Section I)

Note: Provides some coverage for Borrowed Farm Machinery or Farm Machinery Rented for 30 Days or Less

For amounts in excess of $20,000 provided by this endorsement, use D.1. rate. (Machinery deductible applies.)

FR 015 Recreational Vehicle Physical Damage Endorsement. (RVP) Rates are per $1000 (rounded UP to the next $1000) and $1000 Deductible

Vehicle type $1000 Ded. For optional deductibles, see

page R-5 Mini-bike or Moped—maximum of 100 CC $5.50 Golf Cart $11.00 All Terrain Vehicle $22.00

FR 016 Farm Machinery Rental Reimbursement Endorsement (Minimum Amount of $5,000) (RRE) (Separate deductible applies) $1000 Deductible—for optional deductibles see page R-5.

$5.00 per $1000

FR 017 Sections I and II Exclusions for Computer-Related Damage or Injury. All Forms. (XCR) This is a no charge endorsement. It will automatically be added to a policy endorsed with Business

Pursuits, Home Day Care Coverage or Permitted Incidental Occupancy.

FR 018 Special Computer Coverage. All Household Personal Property with any peril code except 20. (COM) Flat $38 charge.


SECTION I (PHYSICAL DAMAGE) OPTIONAL COVERAGES FR 020 Specified Additional Amount of Insurance for Coverage A—Dwelling. (ADA) This is a no charge endorsement. However, the dwelling must be insured to 100% of replacement cost

and Perils 1-18 or Peril 19 and Loss Settlement 2 must apply (FR-2, FR-3 or FR-5). FR 021 Agricultural Equipment Endorsement - Rates are for $1000 deductible*. Must carry same (AEQ) deductible as building or machinery. (Rates are per $1000 of coverage.)

Irrigation Equipment (any number of units) $10.50 Irrigation Equipment—Replacement Cost $15.00 Equipment in buildings (Grinders, Mixers, Seed Cleaners, Milk Equip., etc.) ................... $4.00 Portable Aeration Fans and Heaters .................. $4.00 Wind Generators ................................................. $9.20

*Optional Deductibles: see deductible factors on page R-5. FR 022 Machinery Used in Custom Farming - Physical Damage Coverage (CFM) Premium is considered fully earned.

ALL RATES ARE PER $1000 INSURANCE

$1000 Ded.**

In State* $1.60

Out of State* $2.00

*This rate plus the D.1., E.1. or F rates.

**Optional Deductibles: see deductible factors on page R-5. FR 023 Machinery and Equipment Used in Apiary Operations - Physical Damage Coverage (APM) Premium is considered fully earned.

ALL RATES ARE PER $1000 INSURANCE

$1000 Ded.**

Out of State* ($30,000 or less in receipts) Out of State* (More than $30,000 in receipts)

$4.90 $6.50

Out of State coverage on hives, supers, brood chambers, hive covers, bottom boards, pallets, frames and miscellaneous equipment associated with apiary operations is limited to a $1000 minimum deductible.

*This rate plus the D.1., E.1. or F rates. **Optional $2500 Deductible: see deductible factor on page R-5.

FR 026 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage. Forms FR-1, FR-2, FR-4 and FR-MH. (FAO) $1000 limit of liability for Section I and a $1000 limit of liability for Section II is included at no charge. Up

to an additional $5,000 worth of coverage can be purchased for a maximum $6,000 limit of liability on each Section. Limit for Section I and Section II must be the same.

Rate is $1.00 per $100 of insurance. FR 028 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage. Forms FR-3 and FR-5. (F35) $1000 limit of liability for Section I and a $1000 limit of liability for Section II is included at no charge. Up

to an additional $5,000 worth of coverage can be purchased for a maximum $6,000 limit of liability on each Section. Limit for Section I and Section II must be the same.

Rate is $1.00 per $100 of insurance.



FR 030 Functional Replacement Cost Loss Settlement. Forms FR-2, FR-3 and FR-5. (FRC) 25% of basic premium for the dwelling it applies to. FR 041 Extended Theft Coverage for Residence Premises Occasionally Rented to Others. (EXT) $50 flat premium charge. FR 050 Personal Property at Other Residences -- Increased Limit. (PPI) $0.70 per $100 of insurance. FR 051 Building Improvements, Alterations or Additions– Increased Limit Coverage B. Form FR-4 only. (BAI) $0.30 per $100 of insurance. FR 052 Livestock Collision Coverage (LVC) Livestock insured under D, E or F already have this coverage. 1) 1-100 head $25.00 3) 251-500 head $56.30 2) 101-250 head $37.50 4) 501 and over $75.00 FR 055 Identity Fraud Expense Coverage. (IDF) $15 for each Named Insured, including any Additional Insureds under FR 035, for $15,000 coverage. FR 058 Other Members of Your Household. (MEM) This is a no charge endorsement. It provides both Section I and Section II coverages. FR 059 Assisted Living Care Coverage. (ALC) $1.00 per $100 of insurance. This rate includes the charge for liability coverage. FR 061 Scheduled Personal Property (minimum premium of $15.00 - No Deductible) (SPP)

Property Annual

Rate Per $100

Property

Annual Rate

Per $100

Furs $0.35 Silverware and Dishes $0.20

Cameras (Non-Commercial) $1.45 Stamp and Coin Collection ($5,000 maximum)

$1.45 Fine Arts (Limit of $10,000) $0.10

Musical Instruments $0.48 Guns $1.00

Personal Effects (Antiques) $1.00 Hearing Aids $3.00

Personal Jewelry $0.95



FR 065 Coverage B Increased Special Limits of Liability. (BIL)

Property Rate

a. Money, bank notes, bullion, gold other than gold-ware, silver other than silverware, platinum other than platinumware, coins, medals, scrip, stored value cards and smart cards.

The special limit of $200 on money can be increased to $500.

$6 per $100 of insurance.

b. Securities, accounts, deeds, evidences of debt, letter of credit, notes other than bank notes, manuscripts, personal records, passports, tickets and stamps.

The special limit of $1,500 on securities can be increased to $2,500.


e. Jewelry, watches, furs, precious and semiprecious stones for loss by theft.

The special limit of $1,500 on Jewelry can be increased to $2,500, but not exceeding $500 for any one article.

$2 per $100 of insurance

f. Firearms and related equipment for loss by theft. The special limit of $2,500 on firearms can be increased to $5,000.


g. Silverware, silver-plated ware, goldware, gold-plated ware, platinumware, platinum-plated ware and pewterware for loss by theft.

The special limit of $2,500 on silverware can be increased to $5,000.

$2 per $100 of insurance

j. Electronic apparatus and accessories, while in or upon a ―motor vehicle‖, but only if the apparatus is equipped to be operated by power from the ―motor vehicle’s‖ electrical system while still capable of being operated by other power sources.

The special limit of $1,500 on electronic apparatus upon a motor vehicle can be increased to $2,500.


k. Electronic apparatus and accessories used primarily for ―business‖ while away from the ―residence‖ premises‖ and not in or upon a ―motor vehicle‖. The apparatus must be equipped to be operated by power from the ―motor vehicle’s‖ electrical system while still capable of being operated by other power sources.

The special limit of $1,500 on electronic apparatus while away from the residence premises can be increased to $2,500.


FR 090 Personal Property Replacement Cost Loss Settlement – All forms except FR-1 (PPR) The replacement cost coverage endorsement can be added:

a. On an FR-2, FR-3, FR-5. The premium will be 5% of the dwelling premium. b. On an FR-4. The premium will be 30% of the Household Personal Property premium. The minimum

premium will be $10. c. On FR-MH. The premium will be 10% of the basic Mobile Home premium. A minimum value of

$10,000 in Household Personal Property is required. The minimum premium will be $20.

FR 100 Exclusion of Terrorism (With Limited Exception) and Exclusion of War This is a no charge endorsement. FR 101 Outdoor Antennas – Additional Limit

(ANT) For each additional $100 of coverage in excess of $500 add $4.00. (The deductible of the specified dwelling or outbuilding to which the lead-in wiring is attached applies. Must list which building on the Declarations.)

FR 102 Fire Department Service Charge – Additional Limit (FD) For each additional $100 for Fire Service Calls in excess of $500 add $2.00 - No Deductible.



FR 103 Peak Season Limit of Insurance (PKS) Minimum value $2,500. Minimum time is 1 month, maximum is 11 months. Must have Blanket coverage

and the Deductible is the Blanket (Coverage F) deductible. Perils are the ones selected for Coverage F. When Potatoes in Storage are covered, must also attach endorsement FR 104 Potatoes in Storage.

For each $1000 per Month.

$1000 deductible: Optional Deductible factors on page R-5.

Potatoes in Storage Other Farm Personal Property

Perils 1-9 $0.60 Perils 1-9 $0.15

Perils 1-10 $0.60 Perils 1-10 $0.20

Perils 1-10 and 21-25 $0.60 Perils 1-10 and 21-25 $0.25

FR 104 Potatoes In Storage Endorsement (PSE) This is a no charge endorsement.

FR 106 Additional Coverages for Potatoes in Storage (PSA) If added, must be added for all potatoes stored in the same building.

Potatoes insured under Coverage F with Peak Season (FR 103): Time period (number of months) must be the same as under the Peak Season Endorsement for the

Potatoes. Value is the same as under Peak Season for Potatoes. Must have Blanket coverage and the Deductible is the Blanket (Coverage F) deductible. When adding FR 106, must first attach endorsement FR 104, Potatoes in Storage.

Potatoes insured under Coverage D.2.: Time period (number of months) must be 12. Value is the same as under Coverage D and the deductible

must match the Coverage D deductible.

$1000 deductible: Optional Deductible factors on page R-5.

For each $1000 per Month.

Any Peril Combination $0.14

FR 112 Loss Payable Provisions This is a no charge endorsement.

FR 118 Exclusion Of Cosmetic Loss to Metal Roof Coverings Caused By Hail. Does not apply to FR-4. This is a no credit endorsement.

FR MHV Mobile Home Vendor’s Single Interest Endorsement (MHV) Premium is considered fully earned. $10 flat charge.

FR MH 04 Manufactured Home Loss Settlement. Forms FR-2 and FR-3. (MHL) 20% of basic dwelling premium.

FR NE EB Equipment Breakdown Enhancement Endorsement. All Policies that insure property. (EB) $44 flat premium charge included with Coverage A premium. If no dwelling, included with structures or

equipment premium.


SECTION II—Liability and Medical Coverages

Coverages Land M (Personal Liability, Medical Payments to Others, Farm Employers Liability & Farm Employee Medical)

Base Policy Includes: 160 Acres or less one dwelling and all farm buildings at residence premises one named insured two-man months of labor per twelve month period

ANNUAL BASE POLICY RATES*

* If Section II alone, surcharge above rates 50% (must have Prior Home Office approval) ** For In-State Apiary Operations, use number of bee colonies as number of acres (with livestock) unless the

number of acres is higher than the number of bee colonies. $5000 or higher medical is required. Coverage N - FAMILY MEDICAL (if other health insurance carried )

For each person named: $500 Medical $21.60 $2000 Medical $33.10 $1000 Medical $25.90 $5000 Medical $54.60

If no other health insurance is carried, triple the rates. Coverage limited to persons age 12-65.

Acreage ** with

Livestock

Coverage L -- Liability - each

occurrence $500,000

Coverage M -- Medical - each

person $5,000/

$25,000 per occurrence

000-160 yes 94.20 23.60

no 79.20 19.80

161-320 yes 147.10 36.80

no 123.60 30.90

321-640 yes 167.80 41.90

no 141.00 35.20

641-1000 yes 194.20 48.60

no 163.20 40.80

1001-2000 yes 295.00 73.80

no 247.90 62.00

2001-5000 yes 313.80 78.40

no 263.70 65.90

5001-10,000 yes 332.70 83.20

no 279.60 69.90

Over 10,000 yes 368.50 92.10

no 309.70 77.40

Liability and Medical factors to be used if limits are not the

basic limits ($500,000/$5000). Round to the nearest dime.

Liability Limit Factor

$100,000 0.80

$200,000 0.88

$300,000 0.92

$500,000 (base) 1.00

$750,000 1.16

$1,000,000 1.32

Medical Limit (person/occurrence)

Factor

$2,000/$10,000 0.80

$5,000/$25,000 (base)

1.00

$10,000/$50,000 1.65

$25,000/$125,000 2.50


Farm Employers Liability & Farm Employee Medical

Hired Labor (Cov. code HL)

Class Code

Rate is: Liability –

each occurrence $500,000

Medical – each person $5,000/


**Regular LR Each 30 days $7.80 $31.20

**Special - Potato LSP Each 30 days $18.40 $73.60

**Custom LC Each 30 days $10.90 $43.60

** Use only one class of labor - do not use a combination.

Factors to be used if limits are not the Basic limits ($500,000/$5000). Round to the nearest dime.

Liability factors Farm Employer’s Liability

Medical Factors Farm Employee Medical

Liability Limit Factor Medical Limit

(per person/ per occurrence)

Factor

* Reminder:

$10,000 and $25,000 Medical Limits have a $250 per occurrence deductible for Farm

Employee (Hired Labor) Medical Claims

$100,000 0.80 $2,000/$10,000 0.80

$200,000 0.88 $5,000/$25,000 1.00

$300,000 0.92 (base)

$500,000 (base) 1.00 $10,000/$50,000 * 1.55

$750,000 1.16 $25,000/$125,000 * 2.30

$1,000,000 1.32

FR 014 Seedsmen's Liability—excluding delivery or erroneous mixture

(SPL)

Maximum Annual Gross Receipts: $500,000

Liability - each occurrence $500,000

Medical - each person $5,000/ $25,000 per occurrence

Per $1,000 of receipts $0.40 $0.10

If Liability Limit is not $500,000 or Medical Limit is not $5000, use factors on page R-16, rounding to the nearest dime.

FR 017 Sections I and II Exclusions for Computer-Related Damage or Injury. All Forms. (XCR) This is a no charge endorsement. It will automatically be added to a policy endorsed with Business

Pursuits, Home Day Care Coverage, or Permitted Incidental Occupancy. FR 022 Custom Farming Per $1000 of Receipts

(CF)

Liability - each

occurrence $500,000 Medical - each person $5,000/


Excess of $25,000 Receipts for In State For each $1,000 Receipts for Out of State

$5.50 $1.10

If Liability Limit is not $500,000 or Medical Limit is not $5000, use factors on page R-16 rounding to the nearest dime.


FR 023 Apiary (Bee) Operations

(API)

($5,000 or higher medical required) Liability - each



Out-State Per $1000 of Receipts $13.20 $3.30

Minimum Premium — Out of State $250.00 (FR 023 plus Coverage L and Coverage M premiums)

If Liability Limit is not $500,000 or Medical Limit is greater than $5000, use factors on page R-16 rounding to the nearest dime.

FR 026 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage. Forms FR-1, FR-2 and FR-4. (FAO) See rate under Section I endorsements. This endorsement has both Section I and Section II coverages. FR 027 Additional Insured—Student Living Away from the Residence Premises. (AIS) $25 flat premium charge per student. FR 028 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage. Forms FR-3 and FR-5. (F35) See rate under Section I endorsements. This endorsement has both Section I and Section II coverages FR 031 Care, Custody or Control Increased Coverage Endorsement (CCC) $5,000 limit in any one occurrence with a $250 deductible per occurrence- $45 annually FR 035 Additional Insured Endorsement

(ANI)

Liability - each



Per Insured $17.40 $4.40


FR 036 Additional Insured Insured Location Only

(ANL)

Liability - each



Per Insured $15.10 $3.80


FR 040 Property Damage Deductible (PDD) Discount Coverage L and Coverage M rates 5%.


FR 042 Permitted Incidental Occupancy Residence Premises Only

(OCC)

Liability - each



Per Occupancy $17.30 $4.30

If Liability Limit is not $500,000 or Medical Limit is not $5000, use factors on page R-16 rounding to the nearest dime. (FR 017 (XCR) Sections I and II Exclusions for Computer-Related Damage or Injury must be added.)

FR 045 Additional Interest – Equipment This is a no charge endorsement. FR 058 Other Members of Your Household. (MEM) This is a no charge endorsement. It provides both Section I and Section II coverages FR 059 Assisted Living Care Coverage. (ALC) See rate under Section I endorsements. This endorsement has both Section I and Section II coverages. FR 064 Owned Recreational Vehicle Endorsement

(RVL)

On and Off Premises Liability Only Liability - each



Per Vehicle $20.00 $5.00


Note: Coverage limitation: 500 C.C. on snowmobiles, and 100 C.C. on mopeds and mini-bikes.

FR 070 Additional Residence - Rented to Others

(ARR)

Liability - each



Per Residence 1 or 2 family $18.30 $4.60

3 or 4 family $19.80 $4.90

If Liability Limit is not $500,000 or Medical Limit is not $5000, use factors on page R-16 rounding to the nearest dime


FR 071 Business Pursuits

(BUS) Business Pursuits Liability Coverage (On and Off Premise Liability) - Coverages are available for the amount listed for each class.

(FR 017 (XCR) Sections I and II Exclusions for Computer-Related Damage or Injury must be added.)

Use Liability and Medical factors--Business Pursuits on page R-21 if limits are not the basic limits.

Business not otherwise classified - Refer to Home Office

Maximum Annual Gross

Receipts

Liability - each

occurrence $500,000

Medical - each person

$5,000/ $25,000 per occurrence

Classes (and business types) Rates are per $1,000 of Receipts

Class A

$50,000 $2.80 $0.70

Auctioneers Dog Breeding/No Boarding Fall Festivals (pumpkin patches, etc.) Home Instruction (Music, Art, etc.) Office/Studio on Premise Part Time Teachers (substitute, Coach, etc.) Rooming/Boarding (4 rooms or less) Sales and Services Organization (salesman and insurance agents) Sales of non-perishable goods on premises (crafts, ceramics,

flowers, etc.) Sewing Alterations Sign Painting/Lettering Upholstering Shop on Premises

Class B

$50,000 $5.20 $1.30

Boarding/Stabling (no training or lessons) Carpentry, Plumbing, Electrical Wiring Land Lessor Risk Maintenance Work (lawn care, handyman) Recreational Vehicle Storage Service Repair Shop on Premise Sheep Shearing

Class C

$50,000 $8.80 $2.20 Hay Rides Hunting on Premise (including Goose Pits) Snow Removal Urban and Rural - $500 P.D. deductible applies to

urban

Class D

$100,000 $6.40 $1.60

Bed and Breakfast ($5000 Medical and $500,000 Liability are Minimum)

Earthmoving and Drainage Farm Machinery – Erection and Repair Gravel Loader Livestock Dealer, Production and Sales of Livestock to Public on

Farm Premises

Class E

Sales-Feed/Fertilizer (Excluding delivery and erroneous mixture) $500,000 $0.40 $0.10

May 2016 R-21 Battle Creek Mutual

Section II (Liability) Optional Coverages

FR 082 Personal Injury (libel, slander, defamation of character, etc.) (PI) $500,000/$15.50 For Liability limits other than $500,000,use factors on page R-16.

FR 097 Home Day Care Coverage Endorsement

(DAY)

($5000 or higher medical limit is mandatory)



Child Care - 1-3 children $23.10 $5.80

If more than 3 children are cared for, coverage is not available under the Farm and Ranch Policy.

If Liability Limit is not $500,000 or Medical Limit is greater than $5000, use factors on page R-16 rounding to the nearest dime. (FR 017 (XCR) Sections I and II Exclusions for Computer-Related Damage or Injury must be added.)

FR 105 Additional Insured Location Endorsement

(LOC)

Liability - each



Per Additional Location $19.70 $4.90


FR 107 Additional On Farm Dwelling Endorsement

(DON)

Liability - each



Per Additional On Farm Dwelling $14.80 $3.70


FR 108 Additional Off Farm Dwelling Endorsement

(DOF)

Liability - each



Per Additional Off Farm Dwelling $18.10 $4.50


Liability and Medical factors--Business Pursuits to be used if limits are not the basic limits ($500,000/$5000).

Round to the nearest dime.

Liability Limit Factor Medical Limit

(per person/per occurrence) Factor

$100,000 0.80 $2,000/$10,000 0.60

$200,000 0.88 $5,000/$25,000 (base) 1.00

$300,000 0.92 $10,000/$50,000 2.20

$500,000 (base) 1.00 $25,000/$125,000 4.00

$750,000 1.16

$1,000,000 1.32

May 2018 R-22 Battle Creek Mutual

Section II (Liability) Optional Coverages

FR 110 Seedsmen's Liability—including delivery and erroneous mixture (SPD)

Maximum Annual Gross Receipts: $500,000



Per $1,000 of receipts $0.90 $0.22 If Liability Limit is not $500,000 or Medical Limit is not $5000, use factors on page R-16, rounding to the nearest dime.

FR 113 Liability Coverages (L, M, N) Exclusion. (ANN) This is a no charge/no credit endorsement.

FR 115 Dog Exclusion Endorsement. (DE1) This is a no charge endorsement. Form FR Excl-D1 must be signed by the insured.

FR 117 Dog Exclusion Endorsement Number 2. (DE2) This is a no charge endorsement. Form FRNE Excl-D2 must be signed by the insured. FR 121 Lead Based Paint Exclusion Endorsement This is a no charge/no credit endorsement. FR 123 Pollution Liability Coverage – Property Damage Liability Deductible Deductible is the greater of 10% of the total amount of damage or $1,000. This is a no charge

endorsement.

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