PL - IA 01/01/2013 Rates and Manuals - Western National Insurance ...
PL - IA 01/01/2013 Rates and Manuals - Western National Insurance ...
PL - IA 01/01/2013 Rates and Manuals - Western National Insurance ...
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Direct Billing Guidelines 3________________________________________________________________________________________________________________________________________________________________________________GENERAL GUIDELINESPAYMENTSChecks or money orders should be made payable to <strong>Western</strong> <strong>National</strong> <strong>and</strong> should beaccompanied by a remittance slip or have the policy/account number written on the document.Visa, MasterCard, electronic funds transfer (EFT), <strong>and</strong> agency sweep are also acceptablemethods of payment.Policyholders may also make payments by going to our website at www.wnins.com.Automatic payment by EFT requires that an authorization form be submitted to <strong>Western</strong><strong>National</strong>.Please note that <strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> Group will be processing all payments for PioneerSpecialty <strong>Insurance</strong> Company.INSTALLMENT FEESAn installment fee of $5.00 will be applied to each installment bill.Automatic payments by EFT will not be charged an installment fee.NEW BUSINESSWe require a down payment equal to the first installment (see Billing Schedules on pages 7 <strong>and</strong>12) with the application. If the full down payment is miscalculated, the shortage will be billedwhen the policy is processed.AUDITSAn audit that results in an additional premium will be billed in full. If an audit results in a returnpremium, a refund check will be sent directly to the Insured unless there is a current amountdue. If there is a current amount due, the audit will be applied <strong>and</strong> a refund check will be issuedfor the difference, if any.________________________________________________________________________________________________________________________________________________________________<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> Group 3/26/2<strong>01</strong>2
Direct Billing Guidelines 4________________________________________________________________________________________________________________________________________________________________________________ADDITIONAL GUIDELINESGuidelines for all Personal Lines policiesENDORSEMENTSEndorsements will be billed to the Insured as an interim bill for premium due up through thecurrent installment. The remainder will be billed along with any remaining installments on theirpolicy.REINSTATEMENT FEESA reinstatement fee of $20.00 will be charged on all midterm cancellations for non-payment ofpremium (a maximum of one $20.00 charge per statement).RETURNED ITEMSAny payments returned by the bank will result in a $25.00 charge to the Insured’s policy.COMMISSIONSAgents’ full term commissions are advanced upon our issuing a new policy or receiving the firstpayment on a renewal. Cancellation of a new policy or non-payment of an installment will resultin a debit to your commission.PART<strong>IA</strong>L PAYMENTSIf the Insured is anticipating a credit endorsement, but it has not been processed, it should notbe deducted from the payment. The future installments will reflect these changes. If we receivea partial payment, the check will be returned to the Insured with a letter stating the correctpayment must be paid by the due date in order to keep the policy in force.REFUND CHECKSIf the Insured is not on an account bill program, refund checks will be sent directly to the Insuredwhenever the policy balance becomes a credit <strong>and</strong> there is not a pending renewal offer. If theInsured is on an account bill program, refund checks will be sent when all policies have a creditbalance after a cancellation. Credits for overpayments <strong>and</strong> endorsements will be applied to theaccount.________________________________________________________________________________________________________________________________________________________________<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> Group 3/26/2<strong>01</strong>2
Direct Billing Guidelines 5________________________________________________________________________________________________________________________________________________________________________________RENEWALSThe Renewal Declaration <strong>and</strong> a bill will be sent to the Insured approximately 35 days before theeffective date of the policy. If the Insured is not on a monthly bill or EFT program, a renewalinvoice will be sent along with the Declaration.If the Insured is on an account bill or EFT program, the renewal will be billed on the Insured’snext monthly billing statement.If the renewal payment is not received by the due date, a final renewal notice will be issued bythe billing system. The remittance portion of the notice may be returned with payment due <strong>and</strong>would be accepted if postmarked on or before the date indicated on the notice. If payment isnot received, an expiration notice will be sent stating that the policy has expired.CANCELLATIONSLegal notice of cancellation for non-payment of premium will be issued by the billing system.The remittance portion of the notice may be returned with the payment due (including thereinstatement fee) <strong>and</strong> would be accepted if it is postmarked on or before the cancellation date.Once a cancellation is issued, revised bills will not be produced unless the Insured is on anaccount bill program. The Insured should pay the amount shown on the cancellation notice.REINSTATEMENTA reinstatement notice is issued if payment is received <strong>and</strong> accepted after we have sent out amid-term cancellation notice for non-payment of premium.________________________________________________________________________________________________________________________________________________________________<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> Group 3/26/2<strong>01</strong>2
Direct Billing Guidelines 6________________________________________________________________________________________________________________________________________________________________________________PAY <strong>PL</strong>AN OPTIONS<strong>Western</strong> <strong>National</strong> offers the following direct-bill payment plans for these lines of business. (Notall lines of business are available in all states.)6 MO. / FULL PAY6 MO. / 2 PAY6 MO. / 4 PAY12 MO. / FULL PAY12 MO. / 2 PAY12 MO. / 3 PAY12 MO. / 4 PAY12 MO. / FULL PAYMORTGAGEE BILLMONTHLY EFT**MONTHLY ACCOUNT BILL**Personal Auto (6-mo. Term) X X X X X XPersonal Auto (12-mo. Term) X X X X X XHomeowners X X X X X X XDwelling Fire X X X X X X XMotorcycle X X X XPersonal Umbrella X X X X X XFULL PAY EFT**An installment fee of $5.00 will be added to each installment bill.**Account bill will be offered for Insureds who have policies billed directly to them (nomortgagee-billed policies). Monthly account statements will be billed on the same day of themonth as the policy effective date unless the Insured requests a different day. Accountstatements will include a $5.00 installment fee. No fee will be charged for automatic monthly orfull payment by EFT.________________________________________________________________________________________________________________________________________________________________<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> Group 3/26/2<strong>01</strong>2
Direct Billing Guidelines 8________________________________________________________________________________________________________________________________________________________________________________EXAM<strong>PL</strong>E OF INSURED’S BILLING STATEMENT – INDIVIDUALLY BILLED POLICIESRETURN THIS PORTIONPlease make your check payable to <strong>Western</strong> <strong>National</strong>Policy Number <strong>01</strong> PAP 40000243 Amount EnclosedNotice Date MARCH 3, 20<strong>01</strong> Payment Due 03/21/<strong>01</strong>Insured WILL<strong>IA</strong>M JOHNSON To Pay in Full $312.00Payor WILL<strong>IA</strong>M JOHNSON Minimum Due $4564 MILL LAKE ROAD 312.00MINNEAPOLIS MN 55403Installment 1234567Insured's copyPREMIUM NOTICEWESTERN NATIONAL MUTUAL INS COPolicy Number <strong>01</strong> PAP 40000243 WILL<strong>IA</strong>M JOHNSONNotice DateMARCH 3, 20<strong>01</strong>Page 1 of 1Agent WNI-000 ABC AGENCY Phone (612) 831-1234123 W MAIN ST MINNEAPOLIS MN 55435Type of <strong>Insurance</strong> PERSONAL AUTO Policy Period MARCH 1, 20<strong>01</strong> to SEPTEMBER 1, 20<strong>01</strong>Policy Number Description Effective Date AmountPrevious Balance 0.00Payment 82.00-PERSONAL AUTO <strong>01</strong> PAP 400000243 NEW POLICY MARCH 1, 20<strong>01</strong> 394.00Your business is appreciated. Please continue to contact your agentif you desire any changes to your present coverage.Due Date Minimum Due To Pay in Full03/21/<strong>01</strong> 312.00 or 312.00If you have questions on your bill, call (952) 921-9280 or (800) 862-6070 ext. 280________________________________________________________________________________________________________________________________________________________________<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> Group 3/26/2<strong>01</strong>2
Direct Billing Guidelines 9________________________________________________________________________________________________________________________________________________________________________________EXAM<strong>PL</strong>E OF INSURED’S BILLING STATEMENT – ACCOUNT-BILLED POLICIESRETURN THIS PORTIONPlease make your check payable to <strong>Western</strong> <strong>National</strong>Account No. 10030 Amount EnclosedStmt Date AUGUST 1, 20<strong>01</strong> Payment Due 08/19/<strong>01</strong>To Pay in Full $7,087.00Insured COMMERC<strong>IA</strong>L BUSINESS Minimum Due $4564 MILL LAKE ROAD 638.00MINNEAPOLIS MN 55403Statement 1234567Insured's copyACCOUNT STATEMENTWESTERN NATIONAL INSURANCE GROUPNotice DateAUGUST 1, 20<strong>01</strong>Page 1 of 1Account No. 10030 Agent WNI 000Insured COMMERC<strong>IA</strong>L BUSINESS Name ABC AGENCYPhone (612) 831-1234Policy Number Description Effective Date AmountPrevious Balance 8,543.00Payment 1,461.00-STATEMENT FEE 5.00Your business is appreciated. Please continue to contact your agentif you desire any changes to your present coverage.POLICY NUMBERTOTAL DUE MINIMUM DUECOMMERC<strong>IA</strong>L AUTO <strong>01</strong> CA 300000<strong>01</strong>3 1,255.00 50.00WORKERS COMPENSATION <strong>01</strong> WC 300000<strong>01</strong>1 5,827.00 583.00STATEMENT FEE 5.00 5.00Due Date Minimum Due To Pay in Full08/19/<strong>01</strong> 638.00 or 7,087.00If you have questions on your bill, call (952) 921-9280 or (800) 862-6070 ext. 280________________________________________________________________________________________________________________________________________________________________<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> Group 3/26/2<strong>01</strong>2
Direct Billing Guidelines 11________________________________________________________________________________________________________________________________________________________________________________RENEWALSThe renewal will be billed on the insured’s regular account statement. If the policy is billed toother than the insured (i.e., the mortgage company), the renewal will be sent directly to thepayer listed on the policy.If the renewal payment is not received by the due date, a cancellation notice will be issued bythe billing system. The remittance portion of the notice may be returned with payment due <strong>and</strong>would be accepted if postmarked on or before the date indicated on the notice. If payment isnot received, the renewal term will be canceled.CANCELLATIONSLegal notice of cancellation for non-payment of premium will be issued by the billing system.The remittance portion of the notice may be returned with the payment due <strong>and</strong> would beaccepted if it is postmarked on or before the cancellation date. The Insured should pay theamount shown on the cancellation notice.REINSTATEMENTA reinstatement notice is issued if (1) payment is received <strong>and</strong> accepted after we have sent outa mid-term cancellation notice for non-payment of premium or (2) a return premiumendorsement is processed <strong>and</strong> the credit for the current installment brings the installmentbalance to $0.________________________________________________________________________________________________________________________________________________________________<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> Group 3/26/2<strong>01</strong>2
Direct Billing Guidelines 12________________________________________________________________________________________________________________________________________________________________________________PAY <strong>PL</strong>AN OPTIONS<strong>Western</strong> <strong>National</strong> offers the following direct-bill payment plans for these lines of business. (Notall lines of business are available in all states.)Account Bill - AnnualAccount Bill - Semi-AnnualAccount Bill - QuarterlyAccount Bill - MonthlyEFT - AnnualEFT - Semi-AnnualEFT - QuarterlyEFT - MonthlyMortgagee Bill (Full PayOnly)Commercial Lines (All Lines) X X X X X X X X X *** X**An installment fee of $5.00 will be added to each installment bill. Installment fees are notcharged for EFT pay plans.Bill Other (Full Pay Only)**Commercial Fire, Commercial Package, <strong>and</strong> Workers Compensation policies***Commercial Fire <strong>and</strong> Commercial Package policies________________________________________________________________________________________________________________________________________________________________<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> Group 3/26/2<strong>01</strong>2
Direct Billing Guidelines 13________________________________________________________________________________________________________________________________________________________________________________BILLING SCHEDULE BY PAY <strong>PL</strong>ANPay Plan Installment Amount Installment DueAnnual 100% of term premium Effective monthSemi-Annual ½ of term premiumRemainder of term premiumEffective monthEffective month + 6 monthsQuarterly¼ of term premium¼ of term premium¼ of term premiumRemainder of term premiumEffective monthEffective month + 3 monthsEffective month + 6 monthsEffective month + 9 monthsMonthly1/12 th of term premium1/12 th of term premium1/12 th of term premium1/12 th of term premium1/12 th of term premium1/12 th of term premium1/12 th of term premium1/12 th of term premium1/12 th of term premium1/12 th of term premium1/12 th of term premiumRemainder of term premiumEffective monthEffective month + 1 monthEffective month + 2 monthsEffective month + 3 monthsEffective month + 4 monthsEffective month + 5 monthsEffective month + 6 monthsEffective month + 7 monthsEffective month + 8 monthsEffective month + 9 monthsEffective month + 10 monthsEffective month + 11 months________________________________________________________________________________________________________________________________________________________________<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> Group 3/26/2<strong>01</strong>2
Direct Billing Guidelines 14________________________________________________________________________________________________________________________________________________________________________________EXAM<strong>PL</strong>E OF INSURED’S BILLING STATEMENT________________________________________________________________________________________________________________________________________________________________<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> Group 3/26/2<strong>01</strong>2
<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> GroupHistory<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> Group has been in the business of providing insurance for over 100years. The Group was founded in 1900 in St. Paul, Minnesota as the Mutual Creamery <strong>and</strong> CheeseFactory Fire <strong>Insurance</strong> Company. During its first year, the company wrote $263,079 in premium <strong>and</strong>held assets of $306.35.Since then, the group has grown to offer many different insurance products to policyholders in manystates across the Midwestern, Northwestern, <strong>and</strong> Southwestern U.S. Among those new productswas a personal automobile insurance program, introduced in 1955, which continues to offer ourunique No-Surcharge Promise SM — our guarantee that we will never raise your rates as the result ofaccidents or violations. This Promise applies not only to our preferred personal auto insuranceproduct but to our homeowner's insurance product as well.In 1970, with the company now offering personal automobile, homeowner’s, <strong>and</strong> businessinsurance, it was given a new name: <strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company.Today, the Group consists of seven active companies including <strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong>Company, <strong>Western</strong> <strong>National</strong> Assurance Company, Umialik <strong>Insurance</strong> Company, <strong>and</strong> PioneerSpecialty <strong>Insurance</strong> Company. Together, these companies serve the property <strong>and</strong> casualtyinsurance needs of individuals, families, <strong>and</strong> businesses in 14 U.S. states. All <strong>Western</strong> <strong>National</strong><strong>Insurance</strong> Group companies are represented exclusively by trusted Independent <strong>Insurance</strong> Agents.The Group’s dedicated <strong>and</strong> helpful employees make <strong>Western</strong> <strong>National</strong> one of the finest insurancecompanies around. We are committed to protecting <strong>and</strong> supporting policyholders through both thegood times <strong>and</strong> the hardships, now <strong>and</strong> into the future.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 1
Our MissionTo act with integrity in the service of others._____________________We will achieve this mission by maintaining financial strength<strong>and</strong> by establishing lasting relationships with people<strong>and</strong> businesses who share these attributes with us:A passion for business <strong>and</strong> lifeA desire to serve others in needAdaptability to a changing worldA strong sense of humility <strong>and</strong> humor.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 2
<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> GroupPersonal Lines UnderwritingUnderwriting, as the general definition goes, is the function of securing <strong>and</strong> evaluating information<strong>and</strong> making the decision to accept or reject the submitted risk. It requires knowledge, experience,<strong>and</strong> the ability to be creative. Underwriting is more art than science. It is extremely difficult topinpoint the precise rules which will determine the acceptability of a particular risk. The underwriterwill approach each risk with curiosity, skepticism, thoroughness, perception, discernment, judgment<strong>and</strong> diplomacy.<strong>Western</strong> <strong>National</strong> utilizes the team underwriting approach. Each underwriting team will deal with ablock of agents in an effort to provide more personalized service <strong>and</strong> develop strong workingrelationships. It is our hope that the underwriting team will be able to get out <strong>and</strong> visit with each <strong>and</strong>every one of the agencies that they deal with on a scheduled basis. If the agent desires a visit bytheir team, all reasonable efforts will be made to accommodate the request.One procedure that may be of interest to the agency force is how the underwriters h<strong>and</strong>le anapplication that is unacceptable to <strong>Western</strong> <strong>National</strong>. We are continually striving to improve theturn-around time on an application. Should an application be unacceptable or not fit into <strong>Western</strong><strong>National</strong>'s programs, the underwriter making the decision will place a phone call to the agency <strong>and</strong>will go over the reasons for the declination. The conversation will be confirmed via a memo whereeither a cancellation will result or a change is made other than that which was requested on theapplication. A notice of cancellation or the issuance of the policy with the changes will follow thememo.This booklet is in addition to the rules incorporated in the various Personal Lines manuals <strong>and</strong>includes some general underwriting information regarding areas of concern that have come up withthe submission of risks to <strong>Western</strong> <strong>National</strong>. Again, this is general information <strong>and</strong> is by no means"hard <strong>and</strong> fast" or "set in concrete". Should a risk have unusual circumstances making it better thanthe average risk, please discuss the risk in detail with the appropriate underwriter.We are in the business of writing insurance <strong>and</strong> will look for ways to write the risk as a rejectioncreates extra work for everyone.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 3
<strong>Western</strong> <strong>National</strong>’s Web SiteIn 1998, <strong>Western</strong> <strong>National</strong> implemented our integrated software system – CHIPS – “ComputersHelping <strong>Insurance</strong> People Survive.” This has greatly improved our efficiency <strong>and</strong>, for the most part,the underwriting information needed is at our fingertips via the computer terminal.New technologies have greatly enhanced communications. <strong>Western</strong> <strong>National</strong> is on the Web atwww.wnins.com. Each of the underwriters <strong>and</strong> the underwriting assistants has an e-mail address sothat they can be contacted directly through the Internet. Register for “AgentsOnline” <strong>and</strong> you will beable to access your book of business on-line.Voice-MailWe continue to have a large volume of phone calls coming into the underwriters. Each underwriter<strong>and</strong> underwriting assistant has their own voice-mailbox. Should you happen to reach the voice-mailsystem, please listen to the message <strong>and</strong> then leave a detailed message identifying thepolicyholder's name, policy number <strong>and</strong> a brief description of the question. This will enable us toexpedite the h<strong>and</strong>ling of the account <strong>and</strong> we will be able to get back to you as soon as humanlypossible.Customer Relationship Center (CRC) & Billing Inquiry (800) 352-2772Underwriters (952) 921-3808The Customer Relationship Center will help with questions on our systems including quoting,converting a quote to an application, uploading the application, processing an endorsement, helpingyou order ID Cards, get copies of policies, locate something in the manual, or any question on apersonal lines policy. Most billing questions will be addressed here also. We can take paymentsover the phone, explain the bill, <strong>and</strong> give you the amount <strong>and</strong> due date if you cannot find it onInquiryExpress. Late payments need prior approval by underwriting.Research And Development DepartmentThis department was formed in 1992. We are constantly on the lookout for new <strong>and</strong> better ideas <strong>and</strong>products. Please feel free to contact the Research <strong>and</strong> Development Department should you havesome suggestions, forms, or ideas on what you would like to see available or improved at <strong>Western</strong><strong>National</strong>.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 4
AgentsOnlineThe broad name for all online functions for our agents <strong>and</strong> includes: AgentsXpress, InquiryXpress<strong>and</strong> <strong>Western</strong>Xpress.AgentsXpressSubmit your Homeowners <strong>and</strong> Personal Auto new business to us, securely, on our web site.• Quote <strong>and</strong> submit Homeowners <strong>and</strong> Personal Auto new business• Convert quotes to applications• Save <strong>and</strong> retrieve pending applications• Quote <strong>and</strong> submit Homeowners <strong>and</strong> Personal Auto policy changes• Request underwriting reports in real time• Print applications, binders, ID cards <strong>and</strong> more• Agency Sweep• ISO 360 – Residential Replacement Cost Estimating ToolInquiryXpressAccess your agency's book of business online. Click on the InquiryXpress logo to View yourcustomers’ Policy <strong>and</strong> Billing Information for most lines of business <strong>and</strong> Claim information forall lines. In addition, you can order <strong>and</strong> receive by email in minutes:• Policy <strong>and</strong> Client Experience Reports• Agency Experience Reports• Agency Transaction Listing• Agency Renewal Listing• Direct Bill Commission Statement Download• Agency Sweep ReportMutual Underwriting Information – October 2<strong>01</strong>2 Page 5
<strong>Western</strong>XpressVisit our secure resource center for our Partner Agents. Click on the <strong>Western</strong>Xpress logo to find ourmost current Guides/FAQs, Agency Newsletter "Announce", Staff Directory, Bulletins,<strong>Manuals</strong>/<strong>Rates</strong> <strong>and</strong> more.• Forms• <strong>Manuals</strong>• SupplementsMy Account• Pay Bills Online• View Policy Documents, Billing Statements <strong>and</strong> Auto ID Cards• Go PaperlessIf you have questions or need help, please call our Help Desk at:952-921-9271 or 800-862-6070, ext. 7271.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 6
<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> GroupInstructions To AgentsNotification of Change to <strong>Western</strong> <strong>National</strong> - Agency Agreement – All States –(5 business days).As it states in the agency agreement entitled “Instructions to Agents”, all “applications, policyorders, daily reports <strong>and</strong> binders shall be forwarded no later than five (5) working daysfollowing acceptance of each risk.”Altering Existing Policies – Written Binders Required – (3 business days)Minnesota <strong>Insurance</strong> Code 60K. 46. Subd. 7.An insurance producer having express authority to bind coverage, who orally agrees on behalf ofan insurer to provide insurance coverage, or to alter an existing insurance agreement, shallexecute <strong>and</strong> deliver a written memor<strong>and</strong>um or binder containing the terms of the oralagreement to the insured within three (3) business days from the time the oral agreement isentered.Discrepancy Between Premium Quoted <strong>and</strong> Policy Issuance - MinnesotaPolicies are to be written at rates, <strong>and</strong> in accordance with rules <strong>and</strong> underwriting informationauthorized <strong>and</strong> published by <strong>Western</strong> <strong>National</strong>. Should a discrepancy occur between the quotedpremium <strong>and</strong> the premium generated with the policy issuance, it is the position of the CommerceDepartment that any errors in quotes or policy presentations by the agent are the company’sresponsibility <strong>and</strong> that the company must honor those terms for the initial policy period. It is theposition of <strong>Western</strong> <strong>National</strong> that the agency is given the tools to accurately produce quotes <strong>and</strong>the agency will ultimately be held responsible for the discrepancy.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 7
<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> GroupInstructions To AgentsIn the performance of your duties as Agent of one or more companies of the <strong>Western</strong> <strong>National</strong><strong>Insurance</strong> Group, you should be guided by the following instructions, together with any additionalinstructions given in the future.1. Policies are to be written at rates, <strong>and</strong> in accordance with rules <strong>and</strong> underwriting informationauthorized <strong>and</strong> published by the Company.2. Applications, policy orders, daily reports <strong>and</strong> binders shall be forwarded no later than fiveworking days following acceptance of each risk.3. Company policies <strong>and</strong> all forms attached must read concurrently with other insurance on thesame risk.4. Where coverage is reduced under a policy, the endorsement must be signed by all parties atinterest to the policy. The Agent shall furnish written notice to the policyholders in regard to allreductions of coverage when initiated by the Company.5. When the Agent, for any reason, is unable to disburse to a policyholder any dividend credited tothe Agent by the Company, the dividend shall be returned to the Company.6. All policies ordered canceled (either by the Company or the Agent), or reported canceled,spoiled or "not taken", or mutilated, should be promptly returned to the Company's office. Copiesof numbered daily reports on spoiled or mutilated policies should also be returned. If canceledpolicy cannot be found, the Agent must secure a Lost Policy Receipt signed by all parties atinterest to the policy. If a new policy is issued canceling <strong>and</strong> replacing another policy or a binder,the new policy shall so state.7. Flat cancellation of policies or binders shall be accomplished in accordance with the Company'sspecified instructions in the manual for each class of policy. Where no such instructions havebeen issued, flat cancellation must be effected not later than 30 days after the effective date ofthe insurance. The rules <strong>and</strong> regulations of the rating bureau having jurisdiction shall be usedwhen the permitted time is less than that stated above. The Agent shall not be entitled to creditfor flat cancellation of any policy on which a loss has been sustained by the Company; nor shallthe Agent be entitled to credit for any cancellation until satisfactory proof of the cancellation isfurnished to the Company.8. In the event of loss, immediately notify the Company or the adjuster designated by the Company.Occurrences, which might result in a liability claim against an insured, must be reportedimmediately by phone or fax. This must be done even though Agent may have reason to believethat no claim will in fact be made. The report should include any reasons for the guidance of theclaims adjuster. All reporting should include the name of the insured, policy number, <strong>and</strong> Agent'srecord of applicable coverage. Give all essential details as to the kind of accident or loss <strong>and</strong>identity of the parties involved. Do not commit the Company in any manner, or adjust losseswithout special instructions from the Company.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 8
<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> GroupPersonal Automobile Program GuidelinesThese Automobile Acceptability Guidelines are designed for the selection of a preferred,quality customer <strong>and</strong> household. Because these are guidelines, the Underwriter has theauthority to grant exceptions, when unique characteristics about the applicant permit anexception. Please call your Underwriting Team if you have any questions about theguidelines or if you want to discuss a specific risk before submitting an application.Rule (Per Household) Single Car Risk Multi Car RiskMajor Violations 1.No violations in 5 years No violations in 5 yearsMinor Violations(Drivers with less than 3 yearsdriving experience may nothave any violations.)NO VIOLATIONS INMONTHS 0-121 VIOLATION INMONTHS 13-36No violations in months 0-121 violation in months 13-241 violation in months 25-36At-Fault Accidents 2. No accidents in months 0-12(Drivers with less than 3 years 1 accident in months 13-36driving experience may nothave any accidents.)Total Incidents 3. No incidents in months 0-12Maximum of 1 incident in 3yearsNo accidents in months 0-121 accident in months 13-36No incidents in months 0-12Maximum of 2 incidents in 3years1.Major Violations: includes careless or reckless driving; hit <strong>and</strong> run; leaving the scene of anaccident; driving under the influence of alcohol or any chemical including “implied consent”; openbottle; any alcohol, controlled substance or drug related violation; driving without insurance; drivingafter license suspension or revocation; a no-fault conviction; a school bus violation; anymisdemeanor violation; a felony involving the use of a motor vehicle; or a similar serious conviction.2.At-Fault Accidents: for new business acceptability, is defined as any incident in which the insuredwas 50% or more negligent, regardless of whether or not a claim payment was made.For accidents when the applicant is not at-fault, provide documentation showing that the applicantwas not at-fault such as a police report or documentation from a prior carrier.3.Incident: for new business acceptability, is defined as any moving violation or any at-fault accident.This does not include comprehensive <strong>and</strong> towing losses. For rating <strong>and</strong> underwriting, our companywill use the date the violation occurred.NOTE: The frequency of Comprehensive (OTC) losses <strong>and</strong>/or Towing claims may impact coverageor deductible availability. Please contact your Underwriting Team to discuss questionable risksbefore submitting. Underwriting reserves the right to decline such risks or require higher physicaldamage deductibles to make such risks acceptable.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 9
Preferred Automobile ProgramHelpful Hints:ApplicationsCompleted in their entirety, dated, <strong>and</strong> signed by the applicant <strong>and</strong> the agent. Signed applicationis to be retained in the agency.All ResidentsList “all” residents, dependents (licensed or not) including children away at school, <strong>and</strong> any regularoperators. This includes any roommates.NamePlease include first name, full middle name, <strong>and</strong> correct last name for every resident in thehousehold <strong>and</strong> their date of birth. If licensed, include drivers license number.OccupationAll applicants must be currently employed. Include name <strong>and</strong> location of employer or school. Forrating purposes, we need to be informed of the full address for the employer or school.MileageCurrently looking at those risks driving less than 35 miles one way to work.Youthful OperatorsRefer to Rule 4. of your Personal Automobile Manual to determine proper classification. Remember,named insureds under the age of 23 need parental supporting coverage with <strong>Western</strong> <strong>National</strong>.Previous <strong>Insurance</strong>Prefer risks that were currently insured through a preferred or st<strong>and</strong>ard carrier. Previous carrier,policy number <strong>and</strong> expiration date must be included on the application. We will need to verifyprevious insurance experience.Repossession, Bankruptcy, Judgment or Lien<strong>Western</strong> <strong>National</strong> will look at the previous FIVE (5) years for any of these public records. If present,the applicant is not eligible for coverage through the automobile program. .Mutual Underwriting Information – October 2<strong>01</strong>2 Page 10
Five Years<strong>Western</strong> <strong>National</strong> will look at the previous FIVE (5) year violation <strong>and</strong> loss experience. We want toknow of all losses, not just at-fault losses, <strong>and</strong> whether the loss was insured or not. ALL losses areto be disclosed including personal injury losses <strong>and</strong> comprehensive losses, etc. No alcohol relatedviolations in the household.Legal TitleThe named insured or spouse must have legal title <strong>and</strong> ownership of the vehicles insured.Vehicles owned by children or other members of the household must be placed on policies in theirname. The “true” owner of a vehicle is responsible for securing <strong>and</strong> maintaining insurancecoverage.VehiclesWe must know the year, trade name, model name, body type, <strong>and</strong> serial number to accuratelyassign a rating symbol to the vehicle.Vehicles over 20 years of age — a certified mechanic’s statement <strong>and</strong> current photo must besubmitted to <strong>Western</strong> <strong>National</strong> before coverage is considered bound.Newly Acquired Autos:Retroactive physical damage coverage – if no physical damage coverage is currentlyprovided on the policy, the policyholder has 4 days to request physical damage coveragefor the newly acquired auto that replaces a vehicle that has no physical damagecoverage.Additional Autos:♦ 14 DAYS – the period of time for notifying the agency or <strong>Western</strong> <strong>National</strong> of an autobeing added to a policy is 14 DAYS from the date of acquisition.Newly Acquired Trailer or Camper Body:♦ 14 DAYS – the time period for notifying the agency or <strong>Western</strong> <strong>National</strong> of a newlyacquired trailer or camper body is 14 DAYS from the date of acquisition.Customizing — Pickups And VansIn an effort to eliminate confusion <strong>and</strong> broaden the coverages available under the Personal AutoPolicy, <strong>Western</strong> <strong>National</strong> has eliminated two exclusions contained in Part D - COVERAGE FORDAMAGE TO YOUR AUTO. We have eliminated the "customizing exclusion" <strong>and</strong> the "coveredproperty exclusion". A pickup topper/canopy is now covered with the elimination of the “customizingexclusion”. Please refer to <strong>Western</strong> <strong>National</strong>'s endorsement – WN PP 03 - included in this packet -Exhibit A.High Performance VehiclesHigh performance, sports, or sports premium vehicles require special consideration. Please refer toExhibit B for a sample listing of vehicles for your guidance.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 11
CampersA pickup camper is to be listed as a separate unit <strong>and</strong> will develop an appropriate premium chargebased on its original cost new <strong>and</strong> current stated amount.Motor HomesMotor homes will be listed as a separate unit <strong>and</strong> will develop an appropriate premium charge basedon stated amount.Covered Property CoverageTV antennas, awnings, <strong>and</strong> cabanas or equipment designed to create additional living facilities arenow covered with the elimination of the "covered property exclusion".Antique, Collector, & Modified Vehicles (dune buggies, hot rods, kit cars, etc.)DO NOT BIND – Vehicles such as these should be placed with the specialty markets.Consumer ReportsPlease inform the applicant/insured that as a part of our normal procedure for processingapplications, a consumer report may be made into their insurability. They also have a right to seethe report <strong>and</strong> must contact the reporting company for the information developed. Should somethingcome to the attention of the company that was not disclosed on the application, the policy could besubject to cancellation or alteration. Credit reports will be ordered on every personal autoapplication. See attached Exhibit D, St<strong>and</strong>ards For Use of Credit Information or <strong>Insurance</strong> Scores.Miscellaneous Coverages<strong>Western</strong> <strong>National</strong> offers several optional coverages - (Rule 12.)• Towing <strong>and</strong> Labor Cost Coverage• Audio, Visual, <strong>and</strong> Data Electronic Equipment Coverage• Tapes, Records, Discs <strong>and</strong> other Media Coverage• Auto Loan/Lease Coverage• Increased Rental Reimbursement• HELP (Highway Emergency Loss Protection)Internal Limits up to:- $60 per day / $1500 maximum for Temporary Transportation Expenses (previously referred toas Rental Reimbursement)- $150 for Roadside Assistance Coverage- $750 for Trip Interruption Coverage- Air Bag Replacement• New Vehicle Replacement Cost Coverage• Trip Interruption CoverageMutual Underwriting Information – October 2<strong>01</strong>2 Page 12
Available Discounts And Credits<strong>Western</strong> <strong>National</strong> offers many ways to tailor the automobile coverage:• Multi-Car, Family & Corporate Discounts – Up to 25%• Multi-Policy Discount :<strong>IA</strong> Auto – 5% Home – 15%MN Auto – 5% Home – 5%SD Auto – 5% Home – 5%WI Auto – 5% Home – 5%• Good Student Discount – Up to 25%• Motor Vehicle Accident Prevention Course Discount – MN-10%; SD-5%• Anti-Theft Protection Device Discount – 5%• <strong>Insurance</strong> Score Discount• Common Loss Deductible• Multiple Deductible Options• Loyalty DiscountMutual Underwriting Information – October 2<strong>01</strong>2 Page 13
<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> GroupHomeowners Program<strong>Western</strong> <strong>National</strong> believes that the homeowner line of insurance can be profitable for both thecompany <strong>and</strong> the agency. We are pursuing "quality" homeowner risks that represent a lower thanaverage loss exposure. We will look for insureds that display the characteristics of honesty, <strong>and</strong>stability in their employment <strong>and</strong> living habits. They have a conscientious attitude towards safety.Their home will reflect an obvious pride of ownership through proper maintenance <strong>and</strong> goodhousekeeping.<strong>Western</strong> <strong>National</strong> currently offers two programs for homeowner coverages:• Preferred Homeowner Program – New <strong>and</strong> Updated homes less than 30 years old in protectedlocations.• St<strong>and</strong>ard Homeowner Program – Excellent homes of any age located in protected, partiallyprotected or unprotected locations.Helpful Hints:Completed ApplicationsPlease make sure every question is answered <strong>and</strong> is dated, <strong>and</strong> signed by the applicant <strong>and</strong> theagent. Signed application is to be retained in the agency.Field Underwriting<strong>Western</strong> <strong>National</strong> strongly recommends the producer physically visit the premises to be insured (if atall possible). Identify all the exposures that may increase the possibility of a property or liability loss.Consider the overall maintenance of the structure(s), housekeeping, roof condition, <strong>and</strong> otherpotential hazards.Photo RequiredA photo is required on every homeowner application. Obtain at least two photos of the property(front <strong>and</strong> rear). Photos of all structures on the premises should be submitted for review.General ConstructionUnique construction such as log, dome, earth sheltered, etc. are not eligible. Homes with a stucco orEIFS finish, built after 1980 are not eligible. Foundations must be enclosed. Concrete blockfoundations or dwelling over pilings are not eligible.OccupancyOne or Two Family, owner occupied only. Homes must be occupied year round to qualify. Insuredswith occupations requiring travel where the home is unoccupied for extended periods are noteligible.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 14
Replacement Cost EstimatorsA requirement on homes with Exp<strong>and</strong>ed Replacement Cost – WN HO 20 on the dwelling in theSt<strong>and</strong>ard Homeowner Program. The home must be insured to 100% of the replacement cost.The Preferred Homeowner Program requires the home to be insured to 100% of its replacementcost <strong>and</strong> a replacement cost estimator must be submitted with every Preferred application.The replacement cost terms that apply to Coverage A can be exp<strong>and</strong>ed to pay up to 140% of theCoverage A limit when a covered loss exceeds the limit shown on the declaration <strong>and</strong> the insuredelects to repair or replace the residence.Updating Information<strong>Western</strong> <strong>National</strong> requires updating information on the roof, plumbing, electrical <strong>and</strong> heating. Thosehomes with a minimum 100 AMP service are eligible for our homeowner program. The age of theroof must be 20 years or less.Woodburning DevicesDO NOT BIND - May be acceptable provided the device is a UL tested <strong>and</strong> approved stove,installed with the proper clearances, <strong>and</strong> vented into an acceptable chimney. A Solid FuelQuestionnaire must be submitted unbound with photos to <strong>Western</strong> <strong>National</strong> before coverage will beconsidered. Such units must be professionally installed & inspected. The appliance must becertified. If vented into a masonry chimney, the chimney must be lined.LossesPrior loss history is very important to the underwriting function <strong>and</strong> every loss (insured or not) mustbe detailed on the application.Prefer risks with loss free experience – A "weather related" loss may be considered.Prior Cancellation/ Non-renewalDO NOT BIND – Submit with full details for consideration.Dogs, Horses, Other LivestockDogs of the breeds that display aggressive tendencies will not be considered. Examples mayinclude, but are not limited to Dobermans, Rottweilers, Chows, Akitas, Weimaraners, Pit Bulls,German Shepards, Siberian Huskies, Boxers, Great Danes, Presa Canario, etc.Risks that involve vicious or exotic animals or pets also will not be considered. Any animals withprior bite history (reported or not) will not be considered. Any risk where there are more than 3 dogsrequires prior underwriting approval.Ownership of horses or other livestock is viewed as an increased liability exposure <strong>and</strong> as such areineligible for <strong>Western</strong> <strong>National</strong>'s homeowner programs.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 15
Business ActivitiesQuestions regarding business activities conducted on premises should be referred to theunderwriting department.Those activities such as sales, daycare (in some states), woodworking, car repair, etc., are ineligiblefor homeowner coverage with <strong>Western</strong> <strong>National</strong>.Scheduled Personal PropertySingle items of jewelry valued over $10,000 – Refer to Company before coverage may be bound.Current appraisals required detailing cut, color, clarity, <strong>and</strong> caret on jewelry valued above $2,500.Unusual Liability ExposureTrampolines, skateboard ramps, <strong>and</strong> unfenced hot tubs <strong>and</strong> pools create attractive nuisanceexposures <strong>and</strong> are currently ineligible. Outdoor hot tubs require a cover which can be locked.(Indoor hot tubs are not eligible).Swimming pools require a 6 foot fence with a locking gate.The ownership of farml<strong>and</strong> will also create an unwanted exposure for <strong>Western</strong> <strong>National</strong>.Recreational VehiclesDO NOT BIND – personal watercraft over 750 cc’s or snowmobiles over 600 cc’s or thoseconsidered high performance.Driver license numbers of all operators <strong>and</strong> household members must be submitted with request forcoverage on snowmobiles <strong>and</strong> personal watercraft.LocationSt<strong>and</strong>ard Program:Prefer homes located within 10 road miles of the responding fire department.Preferred Program:All buildings must fall into the "Protected" classification <strong>and</strong> within 5 road miles of the responding firedepartment.In order to be eligible for either program, the home must be readily accessible to fire protection.This means the responding fire department must be able to drive to the insured property. Dwellingslocated on “isl<strong>and</strong>s” are not eligible.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 16
Coverage Forms<strong>Western</strong> <strong>National</strong> underwrites Form 3 coverages tightly. Flat roofs are not eligible for Form 3coverages. We will look at the construction of the home, the age of the roof (20 year maximum)roofing material, amount of overhang, <strong>and</strong> if there are valleys. Attached are some photos of homesthat we typically will not offer Form 3 coverages. We feel these homes are most susceptible to waterdamage losses. Exhibit C.Consumer ReportsPlease inform the applicant/insured that as a part of our normal procedure for processingapplications, a consumer report may be made into their insurability. They also have a right to seethe report <strong>and</strong> must contact the reporting company for the information developed. Should somethingcome to the attention of the company that was not disclosed on the application, the policy could besubject to cancellation or alteration. Credit reports will be ordered on every homeowner application.See attached Exhibit D, St<strong>and</strong>ards For Use of Credit Information or <strong>Insurance</strong> Scores.Significant Savings Through Use Of Higher DeductiblesNO MAXIMUM CREDIT - <strong>Western</strong> <strong>National</strong> does not cap the amount of credit for the use of higherdeductibles.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 17
<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> GroupDwelling Property ProgramThe dwelling property program is available to our <strong>Western</strong> <strong>National</strong> insureds who own rentalproperties. We will consider coverage on those "quality" dwellings which represent a lower thanaverage loss exposure. Risks to be considered will reflect an attitude of good property management,security, proper maintenance, <strong>and</strong> good housekeeping.Helpful Hints:Completed ApplicationsPlease make sure every question is answered <strong>and</strong> is dated, <strong>and</strong> signed by the applicant <strong>and</strong> theagent.Field Underwriting<strong>Western</strong> <strong>National</strong> strongly recommends the producer physically visit the premises to be insured (if atall possible). Identify all the exposures that may increase the possibility of a property or liability loss.Consider the overall maintenance of the structure(s), housekeeping, roof condition, <strong>and</strong> otherpotential hazards.Photo RequiredA photo is required on every dwelling property application. Obtain at least two photos of theproperty (front <strong>and</strong> rear). Photos of all structures on the premises should be submitted for review.EligibilityDwellings with 1-2 family occupancies are eligible if:• <strong>Western</strong> <strong>National</strong> writes the supporting homeowner coverages for the insured.• Dwelling is occupied by the insured or held out for rental as residential occupancy.• There are no business exposures on premises or unusual liability exposures on premises.• <strong>Western</strong> <strong>National</strong> receives updating information on the roof, plumbing, electrical <strong>and</strong> heating.These must meet current building code st<strong>and</strong>ards.• No wood burning stoves are located on the premises. Premises includes "all" buildings on theinsured premises (i.e., garages, sheds, etc.).• No student housing.• The total of rental units is 5 or less. A 2 family rental is considered 2 units.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 18
LossesPrior loss history is very important to the underwriting function <strong>and</strong> every loss (insured or not) mustbe detailed on the application.Prefer risks with loss free experience - A "weather related" loss may be considered.Unusual Liability ExposureProvide detailed information on unusual exposures such as trampolines, skateboard ramps, hot tubs<strong>and</strong> pools, etc. Detailed information would also have to be provided on any risks associated withdogs or any business activities conducted on the dwelling premises.LocationPrefer dwellings located within 10 road miles of the responding fire department. The dwelling mustbe readily accessible to fire protection. This means the responding fire department must be able todrive to the insured property. Dwellings located on “isl<strong>and</strong>s” are ineligible.Coverage Forms<strong>Western</strong> <strong>National</strong> underwrites Form 3 coverages tightly. Flat roofs are ineligible for Form 3coverages. We will look at the construction of the home, the age <strong>and</strong> condition of the roof (20 yearmaximum) the roof material used, amount of overhang, <strong>and</strong> if there are valleys. Please refer to thephotos included in this packet for the types of homes <strong>Western</strong> <strong>National</strong> feels are more susceptible towater damage losses. Exhibit C.Consumer ReportsPlease inform the applicant/insured that as a part of our normal procedure for processingapplications, a consumer report may be made into their insurability. They also have a right to seethe report <strong>and</strong> must contact the reporting company for the information developed. Should somethingcome to the attention of the company that was not disclosed on the application, the policy could besubject to cancellation or alteration. Credit reports will be ordered on every dwelling propertyapplication. See attached Exhibit D, St<strong>and</strong>ards For Use of Credit Information or <strong>Insurance</strong> Scores.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 19
<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> GroupMotorcycle / Moped / ATV – Minnesota<strong>Western</strong> <strong>National</strong> offers a Motorcycle/Moped/ATV Program to our "Preferred" automobile <strong>and</strong>homeowner insureds. Please review the Motorcycle/Moped/ATV Manual pages.Helpful Hints:ApplicationsCompleted in their entirety, dated, <strong>and</strong> signed by the applicant <strong>and</strong> the agent.Note: There are two motorcycle applications:• Hennepin <strong>and</strong> Ramsey counties.• Remainder of State.Motorcycle endorsement on drivers license is a requirement.No Sport Or Bullet BikesReview the listing of INELIGIBLE UNITS in the Motorcycle/Moped/ATV manual.CustomizationThe appropriate premium charge must be made for there to be coverage. Custom paint jobs areconsidered as an accessory <strong>and</strong> must be reported to the company.Four WheelersMay be insured under the Motorcycle/Moped/ATV program.Supporting CoverageMotorcycle - Applicant must be insured through <strong>Western</strong> <strong>National</strong>'s Preferred automobile program.ATV's - Homeowner coverage must be written by <strong>Western</strong> <strong>National</strong>.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 20
<strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> GroupPersonal UmbrellaThe Personal Umbrella Liability Program is written only in the name of an individual <strong>and</strong> isspecifically designed for executives, business persons, various professionals, <strong>and</strong> other individualswith the need for substantial liability protection.<strong>Western</strong> <strong>National</strong> must provide coverage on the underlying Automobile Liability <strong>and</strong> HomeownerPersonal Liability.Minimum Underlying Limits of Liability *TYPE OF POLICYREQUIRED UNDERLYING LIMITSAutomobile Liability – 250/500 Bodily Injuryto include motorized vehicles 100,000 Property Damagelicensed for road useHomeowners – 300,000 Personal Liabilityto include motorized vehiclesnot licensed for road use* Note: All household members must carry the same underlying limits.Coverages under this program provide for a $1,000,000 limit of liability for each occurrence, subjectto a $1,000 retention limit. Limits in excess of $1,000,000 may be submitted, UNBOUND, <strong>and</strong> aresubject to underwriting approval.Uninsured/Underinsured Motorists CoverageCoverage can be extended for bodily injury covered by Uninsured/Underinsured Motorists Coverageunder an underlying policy. Minimum underlying Uninsured/Underinsured Motorists limits are$250,000 Bodily Injury Per Person Limit, $500,000 Bodily Injury Per Occurrence Limit. Coverageamount is limited to $1,000,000, regardless of the limit on the personal umbrella policy.A signed acceptance or rejection of this optional coverage is required.Please review the Umbrella Manual section for additional information.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 21
Exhibit AAMENDMENT TO PART D-COVERAGE FOR DAMAGE TO YOUR AUTOWN PP 03 07 05We agree that the following Exclusions are deleted from Part D-Coverage For Damage To Your Auto:7. Loss to:b.(2) awnings or cabanas; or(3) any other facilities or equipment used with a “trailer”, camper body, or motor home.10. Loss to any custom furnishings or equipment in or upon any pickup or van. Custom furnishingsinclude but are not limited to:a. special carpeting or insulation;b. furniture or bars;c. height-extending roofs; ord. custom murals, paintings or other decals or graphics.WN PP 03 07 05Mutual Underwriting Information – October 2<strong>01</strong>2 Page 22
Exhibit BHIGH PERFORMANCE, SPORTS, EXOTIC AND OTHER CARSREQUIRING SPEC<strong>IA</strong>L CONSIDERATIONThis list is provided for your guidance. Due to the introduction of new models <strong>and</strong> the existence of limitedproduction models, these lists are not all inclusive. Vehicles with characteristics similar to these listed shallalso be subject to underwriting consideration.Underwriting factors taken into consideration include but are not limited to:- whether the vehicle is new business or existing business - type of vehicle- age of operators - violation-accident experience- age of vehicle - use of vehicleShould <strong>Western</strong> <strong>National</strong> agree to provide coverage, the rating for the vehicle will be determined for thespecific automobile program involved <strong>and</strong> the underwriting factors taken into consideration.A.C. COBRAABARTHABARTHFiatACURA3.2 CL TypesNSXNSX-TALFA ROMEROSpiderSpider VeloceALPINEAUDIQuattroARNAT BRISTOLASAASTON-MARTINAUSTIN-HEALYAVANTIBAJA BUGBENTLEYBIOLABIZZAVINIBMW 540 & 540IM5 & M3 & Z-3 &Z-8850I & 850CIBRICKLINBUICKReattaCADILLACAllanteDeville ConcoursEldorado & ETCSeville STSCASTINCHEVROLETCavalier Z24BerettaCamaroCamaro Z28ChevelleImpalaCorvetteNovaCHRYSLERTCCITROENCLINETCONCEPTDATSUN240Z260Z280Z280ZX300ZXPulsarDELOREANDETOMASODODGEChargerConquestDartDemonSpirit R/TSuper BeeDaytonaShelby AmericanShelby CobraStealthViperDUAL GH<strong>IA</strong>EAGLETalonEXCALIBERFERRARIF<strong>IA</strong>T1248502000 SpiderX19FORDExpProbeMustangMustang CobraTorino "CobraJet"F150 SVTLightningGTMHONDACRXPreludeDel SolS2000HYUNDAIScoupeISOITAL<strong>IA</strong>JAGUARJEEPCJ5CJ7JENSEN/JENSENHEALYLEXUSLS400GS400SC400LINCOLN Mark VII& VIIIILOTUSElanEsprit TurboMASERATIMANGUSTAMARCOSMAT<strong>IA</strong>MAZDAMX-3MX-6RX-7MiataMERCEDES BENZMERCURYCycloneCapriMERKURXR4TMGMGCMGNMITSUBISHIStarion LS TurboEclipse3000GTMONTIVERDIMORGANNISSAN200SX240SX300ZXNXPulsarOLDSMOBILE442OPELOTISPANTERAPINNINFARINA<strong>PL</strong>YMOUTHBarraducaDusterGTXLaserProwlerRoadrunnerPONT<strong>IA</strong>CFieroFirebirdFirebird FormulaTrans AmGTOLemansColonadoPORSCHEROLLS ROYCESAABGrantunisanoSonnett900 Turbo9000 TurboSEPTISTURZBLACKHAWKSUBARUXT GLXT6SVX LSSUNBEAMSUZUKISamuraiTOYOTAMR2/MR2 SpyderPaseoCelicaSupraTRIUMPHTVRVOLKSWAGENCorradoSciroccoVOLVOMutual Underwriting Information – October 2<strong>01</strong>2 Page 23
Exhibit CMutual Underwriting Information – October 2<strong>01</strong>2 Page 24
Exhibit DSt<strong>and</strong>ards for Use of Credit Information or <strong>Insurance</strong> Scores<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyAt <strong>Western</strong> <strong>National</strong>, we take pride in offering you excellent products with personal service at acompetitive price. We consider many factors when determining your premium, <strong>and</strong> we offer manydiscounts to ensure that you are getting the best possible rate for your particular situation. One of thefactors that we use is credit information or insurance scores. You may have questions about whyinsurers use credit information or insurance scores <strong>and</strong> how they are used. This document will providesome frequently asked questions <strong>and</strong> answers to help you better underst<strong>and</strong> how <strong>and</strong> why <strong>Western</strong><strong>National</strong> uses credit information or insurance scores.What is credit history?Credit history means any written or other communication of any information about individuals by aconsumer-reporting agency that:1. Bares on a consumer’s creditworthiness, credit st<strong>and</strong>ing or credit capacity; <strong>and</strong>2. Is used or expected to be used, or collected in whole or in part, to serve as a factor in determiningeligibility or rates for personal insurance.What is an insurance score?<strong>Insurance</strong> scores are confidential rankings based on credit history information. The score is developedfrom specific credit information that reflects credit management patterns such as collections,bankruptcies, outst<strong>and</strong>ing debt, length of credit history, types of credit in use <strong>and</strong> the number of newapplications for credit. They are a measure of how a person manages his or her financial affairs, not howmuch money you make.What’s not included in an insurance score?<strong>Insurance</strong> scores do not include the following information: ethnicity, nationality, religion, age, gender,marital status, familial status, income, address or h<strong>and</strong>icap.Why is <strong>Western</strong> <strong>National</strong> using credit history or insurance scores?<strong>Insurance</strong> scores provide insurers with additional predictive information that is distinct from other ratingvariables. <strong>Insurance</strong> scores predict the average claim behavior of a group of people with essentially thesame credit history. People with low insurance scores tend to file more claims.Should those who submit fewer claims pay less for their insurance? We think so. Over the years, wehave been watching the use of insurance scores as a rating tool by many other insurance companies<strong>and</strong> we’ve studied the powerful correlation between credit history <strong>and</strong> potential risk. Credit informationsignificantly improves insurers’ ability to make accurate predictions about which consumers are likely toexperience claims. As a result, we are now better able to allocate the cost of coverage based on acustomer’s claim potential. That means an improved overall pricing system <strong>and</strong> a reward of lowerpremiums for our lower risk customers.Are insurance scores the same as credit scores?Although both scores use credit information, insurance scores are developed using a uniquemathematical formula that helps insurers predict the likelihood of insurance claims. Credit scores are thescores used by banks <strong>and</strong> other financial institutions to help determine both eligibility for <strong>and</strong> interestrates of loans for cars, houses, <strong>and</strong> credit cards. As insurance scores <strong>and</strong> credit scores are designed tomeasure different outcomes, they may show different results.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 25
What is the process for obtaining an insurance score?New Applications – If you are applying for personal insurance, your agent will gather your personalinformation including credit information. This can be done orally but we prefer to receive your signatureon the application <strong>and</strong> the notice of information practices (both documents contain the authorization tocollect <strong>and</strong> disclose personal or privileged information).Renewal – Your insurance score will be reordered every year. Any change in the insurance score factorwill be applied on the next renewal date. In the event of a reduction of the insurance score, tierreassignment will be limited to a maximum of two tiers.How will credit history be used?<strong>Western</strong> <strong>National</strong> uses credit information as one of several tools to underwrite an account. Credit historyis not used as the sole reason for declining an application. Other underwriting reasons for declinationsinclude, but are not limited to, poor claim experience, poor property condition/maintenance, ownership ofanimals, unacceptable liability exposures, unacceptable violations/loss history, excessive mileage drivento work/school, previous poor payment history with <strong>Western</strong> <strong>National</strong>, etc.<strong>Western</strong> <strong>National</strong> will not decline coverage of personal insurance if there is an absence of credit historyor if we are unable to determine your credit history or insurance score provided we have receivedaccurate <strong>and</strong> complete information.<strong>Western</strong> <strong>National</strong> also will not use the following types of credit history to decline coverage, calculate aninsurance score or determine your rate: credit inquiries not initiated by you, inquiries identified on yourcredit report relating to insurance coverage, multiple lender inquiries identified as being from the homemortgage industry or from the automobile industry <strong>and</strong> made within 30 days of one another, <strong>and</strong> yourtotal available line of credit (however, we may consider the total amount of outst<strong>and</strong>ing debt in relation tothe total available line of credit.)How will the insurance score be used?After the insurance score is obtained from LexisNexis, our provider of consumer reports, the insurancescore will be translated into the appropriate tier determined by the ten insurance score b<strong>and</strong>s. Thehighest insurance score obtained on the named insured, spouse, parent of a youthful (if resident of thesame household) shall determine the insurance score b<strong>and</strong>, tier <strong>and</strong> applicable factor. The insurancescore discount will then become a part of the algorithm used to determine the insurance premium.Will my agent/agency see my credit file or insurance score?No. <strong>Western</strong> <strong>National</strong> underst<strong>and</strong>s the sensitive nature of credit information <strong>and</strong> thus your score is keptstrictly confidential. Your agency will, however, be able to see the tier your score falls into.How are “no hits” <strong>and</strong> “no scores” h<strong>and</strong>led?A “no hit” is defined as not being able to find a credit file. If “no hit” is developed, the insurance scorediscount will not apply.For our policyholders in Iowa <strong>and</strong> South Dakota – If “no hit” is developed, the insured will be placed inthe G2 tier.A “no score” is defined as being able to find a credit file but there is not enough credit history to developa score. If “no score” is developed, the insurance score discount will not apply.For our policyholders in Iowa <strong>and</strong> South Dakota – If “no score” is developed, the insured will be placed inthe G2 tier.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 26
Can I do anything to improve my insurance score?An insurance score is a ‘snapshot’ of your credit bureau report information at a particular point in time.You can improve your score <strong>and</strong> credit by paying bills on time, keeping balances low on credit cards,applying for <strong>and</strong> opening new credit accounts only as needed. Scores change gradually as you changethe way you h<strong>and</strong>le your credit. For example, past credit problems impact the score less as time passes.Your credit history changes as new information is added to your credit bureau files. Therefore by takingthe time to improve your credit, you can qualify for more favorable interest rates <strong>and</strong> lower insurancepremiums.It’s a good idea for you to periodically check your credit report. Credit reports contain information thatidentifies you <strong>and</strong> your debts, payment history, tax liens, bankruptcies, inquiries for your credit report <strong>and</strong>accounts referred to collection agencies. Equifax, Experian <strong>and</strong> Trans Union maintain credit reports.Should you find an error in your report, you need to contact the credit bureau. If a revised insurancescore is reported to <strong>Western</strong> <strong>National</strong> resulting from a discrepancy or error in your credit history, thefactor will be revised with the premium adjusted at inception of the affected policy or upon the renewalpolicy.For more information about credit reports, contact:Equifax (www.equifax.com)For a copy of your report, you can call 800-685-1111.To dispute information in your report, write to:P.O. Box 740256Atlanta, GA 30374Experian (www.experian.com)For a copy of your report, you can call 888-397-3742.To dispute information in your report, write to:P.O. Box 2002Allen, TX 75<strong>01</strong>3Trans Union (www.transunion.com)For a copy of your report, you can call 800-888-4213.To dispute information in your report, write to:P.O. Box 2000Chester, PA 19022Credit reports can now be obtained for free!You do not have to pay a fee to obtain your credit report. Each of the nationwide consumer creditreporting agencies listed above are required to provide a free credit report, upon request, once every 12months. The web site is www.annualcreditreport.com.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 27
What is LexisNexis's role in supplying the credit report <strong>and</strong>/or insurance score to the insurancecompany?LexisNexis is a reseller of credit information. LexisNexis provides a system for <strong>Western</strong> <strong>National</strong> Mutualto access an individual’s credit report. Once the LexisNexis report is obtained, a score will besystematically calculated <strong>and</strong> returned to the insurance company to assess the risk <strong>and</strong> assist in makingan underwriting decision.LexisNexis is considered a Consumer Reporting Agency under the Federal Fair Credit Reporting Act <strong>and</strong>its state analogues (“FCRA”), but LexisNexis is not a credit bureau or insurance company. LexisNexisdoes not make credit decisions or determine insurance underwriting guidelines or insurance premiums.LexisNexis’s role is to supply information to the insurance carriers, which the carriers can review in orderto assist them in making an underwriting decision.LexisNexis can supply you with a copy of your report(s) if you contact:LexisNexis Consumer Service CenterPO Box 105108Atlanta, GA 30348-5108(800) 456-6004www.consumerdisclosure.comYou may also order your credit report <strong>and</strong> the ATTRACT ONE insurance score via thehttps://personalreports.lexisnexis.com web site.Mutual Underwriting Information – October 2<strong>01</strong>2 Page 28
<strong>Western</strong> <strong>National</strong> Homeowners Coverage ComparisonMinnesota, South Dakota <strong>and</strong> WisconsinREFER TO THE POLICIES AND ENDORSEMENTS FOR COM<strong>PL</strong>ETE DESCRIPTION OF COVERAGESTANDARD ProgramPREFERRED ProgramPROPERTY COVERAGES Form 3 Form 6 Form 3 Form 6 Form 5Limitations on Certain Property• Money, banknotes, bullion, gold other than goldware<strong>and</strong> goldplated ware, silver other than silverware <strong>and</strong>silver-plated ware, platinum, <strong>and</strong> numismatic property• Electronic devices, accessories, <strong>and</strong> antennas that canbe operated from the electrical system of a “motorizedvehicle” or watercraft <strong>and</strong> by other sources of power,while in the vehicle or watercraft or away from thepremises• Securities, stamps, letters of credit, notes other thanbank notes, personal records, tickets, accounts, deeds,evidence of debt, passports <strong>and</strong> manuscripts• Watercraft, including their trailers, furnishings,equipment, <strong>and</strong> engines or motors (on premises)$ 250 $ 250 $ 300 $ 300 $ 500$1500 $1500 $1500 $1500 $2500$1500 $1500 $1500 $1500 $2500$1500 $1500 $2000 $2000 $2500• Trailers not otherwise provided for (on premises) $1500 $1500 $2000 $2000 $2500• Loss by theft of jewelry, watches, precious <strong>and</strong>semiprecious stone, gems, <strong>and</strong> furs*• Loss by theft of silverware, goldware, pewterware, <strong>and</strong>items plated with gold or silver*$2500 $2500 $2500 $2500 $2500 *includesmisplacing or losing$2500 $2500 $2500 $2500 $2500 *includesmisplacing or losing• Loss by theft of guns* $2500 $2500 $2500 $2500 $2500 *includesmisplacing or losing• Business property - on the insured premises- off the insured premises$2500$ 250$2500$ 250$5000$1000$5000$1000$5000$1000• Limited Wet Rot, Dry Rot, Bacteria, Fungi & ProtistsMinnesota Excluded Excluded Excluded Excluded ExcludedSouth Dakota Excluded Excluded Excluded Excluded ExcludedWisconsinTestingIncluded inPropertyAggregateIncluded inPropertyAggregateIncluded inPropertyAggregateIncluded inPropertyAggregateIncluded inPropertyAggregateProperty $10,000 $10,000 $10,000 $10,000 $10,000Liability $50,000 $50,000 $50,000 $50,000 $50,000The following special limitations apply in Minnesotaonly – with regard to Replacement Cost Terms• Antiques $5000 $5000 $5000 $5000 $5000• Memorabilia $1000 $1000 $1000 $1000 $1000• Obsolete Items $ 500 $ 500 $ 500 $ 500 $ 500Mutual Underwriting Information – October 2<strong>01</strong>2 Page 29
STANDARD ProgramPREFERRED ProgramINCIDENTAL PROPERTY COVERAGES Form 3 Form 6 Form 3 Form 6 Form 5• Emergency Removal Included Included Included Included Included• Debris Removal – 25%/$500 limit per occurrence, notsubject to damage to property or obstruction of access25% / $500 25% / $500 Included 25% / $500 Included• Fire Department Service Charge $ 500 $ 500 $ 500 $ 500 $1000• Credit Card, Forgery, <strong>and</strong> Counterfeit Money $1500 $1500 $2000 $2000 $5000• Trees, Plants, Shrubs, or Lawns – 10%/$500 for eachtree, plant, or shrub10% of Cov CIncluded10% of Cov CIncluded10% of Cov CIncluded10% of Cov CIncluded10% of Cov CIncluded• Loss Assessment Property $1500 $1500 $1500 $1500 $1500• Consequential Loss to Refrigerator Contents – $500 limit(higher optional limits available)$ 500 $ 500 $ 500 $ 500 $ 500• Grave Markers $1500 $1500 $5000 $5000 $5000• Identity Fraud Expense Coverage – higher optionsavailable (does not apply to seasonal policies)$10,000 $10,000 $10,000 $10,000 $10,000• Lock <strong>and</strong> Garage Door Transmitter Replacement N/A N/A $ 500 $ 500 $ 500• Back-up of Sewer or Drains $5000 $5000 $5000 $5000 $5000• Rebuilding to Code (Ordinance or Law)MinnesotaSouth DakotaWisconsinIncluded25%25%Included25%25%IncludedIncluded25%IncludedIncluded25%IncludedIncludedIncluded• Personal Property Limit (can be increased or decreased)70% ofCov AMinimumLimit$20,00070% ofCov AMinimumLimit$25,00070% ofCov A• Personal Property Replacement Cost Optional Optional Included Included Included• Guaranteed Replacement Coverage - dwelling, subject to140% of limit (protected properties only)Optional N/A Included N/A Included• Automatic Inflation Protection Included Included Included Included Included• Earth Movement for Personal Property Excluded Excluded Excluded Excluded Included• Association Deductible Coverage $1500 $1500 $1500 $1500 $1500• Common Loss Deductible Included Included Included Included Included• Tenant’s Improvements & Betterments N/A N/A N/A N/A N/AL<strong>IA</strong>BILITY COVERAGES• Basic Limit for Personal Liability – Per Occurrence $100,000 $100,000 $100,000 $100,000 $100,000• Basic Limit for Medical Payments – Per Person $1000 $1000 $1000 $1000 $1000Mutual Underwriting Information – October 2<strong>01</strong>2 Page 30
INCIDENTAL L<strong>IA</strong>BILITY COVERAGESSTANDARD ProgramPREFERRED ProgramForm 3 Form 6 Form 3 Form 6 Form 5• Damage to Property of Others $ 500 $ 500 $ 1000 $ 1000 $ 1000• Contracts <strong>and</strong> Agreements Included Included Included Included Included• Claims <strong>and</strong> Defense Cost – loss of earnings-$50 perdayIncluded Included Included Included Included• First Aid Expense Included Included Included Included Included• Incidental Motorized Vehicle Coverage Included Included Included Included Included• WatercraftOutboard – up toNon-Owned Inboard or Inboard/Outboard – up toSailing Vessel – up toIncluded50 HP26 ftIncluded50 HP26 ftIncluded50 HP26 ftIncluded50 HP26 ftIncluded50 HP26 ft• “Incidental” Business CoverageIncludedIncludedIncludedIncludedIncluded• Loss Assessment – Liability$1500$1500$1500$1500$1500• Personal Injury Optional Optional Included Included IncludedWNM 8-1-2<strong>01</strong>0Mutual Underwriting Information – October 2<strong>01</strong>2 Page 31
<strong>Western</strong> <strong>National</strong> HOMEOWNERS Coverage ComparisonIowaREFER TO THE POLICIES AND ENDORSEMENTS FOR COM<strong>PL</strong>ETE DESCRIPTION OF COVERAGESTANDARD ProgramPREFERRED ProgramPROPERTY COVERAGES Form 3 Form 6 Form 3 Form 6 Form 5Limitations on Certain Property• Money, banknotes, bullion, gold other than goldware<strong>and</strong> goldplated ware, silver other than silverware <strong>and</strong>silver-plated ware, platinum, <strong>and</strong> numismatic property• Electronic devices, accessories, <strong>and</strong> antennas that canbe operated from the electrical system of a “motorizedvehicle” or watercraft <strong>and</strong> by other sources of power,while in the vehicle or watercraft or away from thepremises• Securities, stamps, letters of credit, notes other thanbank notes, personal records, tickets, accounts, deeds,evidence of debt, passports <strong>and</strong> manuscripts• Watercraft, including their trailers, furnishings,equipment, <strong>and</strong> engines or motors (on premises)$ 250 $ 250 $ 300 $ 300 $ 500$1500 $1500 $1500 $1500 $2500$1500 $1500 $1500 $1500 $2500$1500 $1500 $2000 $2000 $2500• Trailers not otherwise provided for (on premises) $1500 $1500 $2000 $2000 $2500• Loss by theft of jewelry, watches, precious <strong>and</strong>semiprecious stone, gems, <strong>and</strong> furs*• Loss by theft of silverware, goldware, pewterware, <strong>and</strong>items plated with gold or silver*$2500 $2500 $2500 $2500 $2500 *includesmisplacing or losing$2500 $2500 $2500 $2500 $2500 *includesmisplacing or losing• Loss by theft of guns* $2500 $2500 $2500 $2500 $2500 *includesmisplacing or losing• Business property - on the insured premises- off the insured premises$2500$ 250$2500$ 250$5000$1000$5000$1000$5000$1000• Limited Wet Rot, Dry Rot, Bacteria, Fungi & ProtistsTestingIncluded inPropertyAggregateIncluded inPropertyAggregateIncluded inPropertyAggregateIncluded inPropertyAggregateIncluded inPropertyAggregateProperty $10,000 $10,000 $10,000 $10,000 $10,000Liability $50,000 $50,000 $50,000 $50,000 $50,000INCIDENTAL PROPERTY COVERAGES• Emergency Removal Included Included Included Included Included• Debris Removal – 25% / $500 limit per occurrence, notsubject to damage to property or obstruction of access25% / $500 25% / $500 Included 25% / $500 Included• Fire Department Service Charge $ 500 $ 500 $ 500 $ 500 $1000• Credit Card, Forgery, <strong>and</strong> Counterfeit Money $1500 $1500 $2000 $2000 $5000• Trees, Plants, Shrubs, or Lawns – 10% / $500 for eachtree, plant, or shrub10% of Cov CIncluded10% of Cov CIncluded10% of Cov CIncluded10% of Cov CIncluded10% of Cov CIncluded• Loss Assessment Property $1500 $1500 $1500 $1500 $1500• Consequential Loss to Refrigerator Contents – $500limit (higher optional limits available)$ 500 $ 500 $ 500 $ 500 $ 500Mutual Underwriting Information – October 2<strong>01</strong>2 Page 32
STANDARD ProgramPREFERRED ProgramForm 3 Form 6 Form 3 Form 6 Form 5• Grave Markers $1500 $1500 $5000 $5000 $5000• Identity Fraud Expense Coverage – higher optionsavailable (does not apply to seasonal policies)$10,000 $10,000 $10,000 $10,000 $10,000• Lock <strong>and</strong> Garage Door Transmitter Replacement N/A N/A $ 500 $ 500 $ 500• Rebuilding to Code (Ordinance or Law) 25% 25% included Included Included• Personal Property Limit (can be increased ordecreased)70% ofCov AMinimumLimit$20,00070% ofCov AMinimumLimit$25,00070% ofCov A• Personal Property Replacement Cost Optional Optional Included Included Included• Guaranteed Replacement Coverage - dwelling, subjectto 140% of limit (protected properties only)Optional N/A Included N/A Included• Automatic Inflation Protection Included Included Included Included Included• Earth Movement for Personal Property Excluded Excluded Excluded Excluded Included• Association Deductible Coverage $1500 $1500 $1500 $1500 $1500• Common Loss Deductible Included Included Included Included Included• Tenant’s Improvements & Betterments N/A N/A N/A N/A N/AL<strong>IA</strong>BILITY COVERAGES• Basic Limit for Personal Liability – Per Occurrence $100,000 $100,000 $100,000 $100,000 $100,000• Basic Limit for Medical Payments – Per Person $1000 $1000 $1000 $1000 $1000INCIDENTAL L<strong>IA</strong>BILITY COVERAGES• Damage to Property of Others $ 500 $ 500 $1000 $1000 $1000• Contracts <strong>and</strong> Agreements Included Included Included Included Included• Claims <strong>and</strong> Defense Cost – loss of earnings-$50 perdayIncluded Included Included Included Included• First Aid Expense Included Included Included Included Included• Incidental Motorized Vehicle Coverage Included Included Included Included Included• WatercraftOutboard – up toNon-Owned Inboard or Inboard/Outboard – up toSailing Vessel – up toIncluded50 HP26 ftIncluded50 HP26 ftIncluded50 HP26 ftIncluded50 HP26 ftIncluded50 HP26 ft• Incidental Business Coverage Included Included Included Included Included• Loss Assessment – Liability $1500 $1500 $1500 $1500 $1500• Personal Injury Optional Optional Included Included IncludedWNM <strong>IA</strong> 1-1-2<strong>01</strong>1Mutual Underwriting Information – October 2<strong>01</strong>2 Page 33
Solid Fuel QuestionnaireMutual Underwriting Information – October 2<strong>01</strong>2 Page 34
Mutual Underwriting Information – October 2<strong>01</strong>2 Page 35
<strong>Western</strong> <strong>National</strong> – Personal LinesDo Not Bind Quicklist*(For illustrative Purposes Only)*Please refer to the various Personal Lines <strong>Manuals</strong> for each line of business <strong>and</strong> the Underwriting Information Booklet for addition instructions.This listing cannot possibly identify every ineligible situation <strong>and</strong> is not intended to be all inclusive. Any questions should be referred to your Underwriting Team.Automobile Homeowners Motorcycle Dwelling Property Personal UmbrellaRisks included in Personal AutoManual - Do Not Bind ListMobile/manufactured homes, trailerhomes or house trailersAutos not owned by policyholder Homes occupied by more than 2familiesFarm or hobby farm propertiesClassic, collector, & antique autosKit/replica/custom <strong>and</strong> modifiedautosHigh performance, sports, or sportspremium autosAutos driven in excess of 35 milesone way to work or schoolStated amount comprehensivecoverageTrailers or campers if used forbusiness purposesPhysical damage on autos over 20years of ageYouthful classifications with nosupporting parental coverageRisks with poor housekeeping <strong>and</strong>maintenanceFlat roofs are ineligible for special formcoveragesRisks that are vacant, unoccupied, orare non-owner occupiedRisks with vicious or exotic animals,horses or other livestockRisks with a wood burning devicePersonal watercraft - see HomeownerRulesSnowmobiles - 600 cc <strong>and</strong> over - seeHomeowner RulesSingle item of jewelry valued over$10,000 - Refer to CompanyUnits not owned by policyholder Mobile/manufactured homes, trailerhomes or house trailers3 wheelers Properties occupied by more than 2familiesFarm or hobby farm propertiesBullet bikes - sport cycles includingcycles with race type fairingsCycles used for competitionCustomized cycles or show bikesHomemade units, units built fromkits, trikes or three wheeled mc=sChoppers (easy-rider style) ormodified (turbo charged) unitsUnsupported unitsYouthful classifications withviolations or accidentsNo drug or alcohol violationsRisks with poor housekeeping <strong>and</strong>maintenanceFlat roofs are ineligible for special formcoveragesRisks that are vacant or unoccupiedRisks with a wood burning deviceRisks with 60 AMP serviceRisks with building or fire codeviolationsRisks with major foundation problemsRisks inaccessible to fire protectionAutos in poor mechanical condition Risks with 60 AMP service Risks located on an “isl<strong>and</strong>”Drug or alcohol related violationsLiability limits in excess of 500/500BI <strong>and</strong> 250 PDRisks with building or fire codeviolationsRisks with major foundation problemsRisks inaccessible to fire protectionRisks located on an “isl<strong>and</strong>”Risks with prior loss experienceStucco or EIFS finishesUnusual Hazards, trampolines, skateboardramps, indoor pools/hot tubs, etc.Risks with prior loss experienceUnsupported seasonal propertiesUnsupported rental propertiesStucco or EIFS finishesUnusual Hazards, trampolines, skateboardramps, indoor pools/hot tubs, etc.Limits in excess of $1,000,000Unsupported personal umbrellacoveragesHigh profile individualsIndividuals that own or operateaircraftMutual Underwriting Information – October 2<strong>01</strong>2 Page 36
WESTERN NATIONAL MUTUAL INSURANCE COMPANYPersonal Lines Underwriting Directory800-862-6070 +PERSONAL LINES OFFICER Direct Dial ExtensionCindy Doble, CPCU, API – cindy.doble@wnins.com ...........................(952) 921-3810 7810Vice PresidentMANAGERSCyndi Wright, CPCU, API, AIT – cyndi.wright@wnins.com ...................(952) 921-5618 7618Underwriting ManagerKaren Wisdorf, API – karen.wisdorf@wnins.com ..................................(952) 921-3869 7869Underwriting Operations & Facilities ManagerUNDERWRITERS .................................................................. (952) 921-5661 7661TEAM 1 – Iowa, Minnesota, South DakotaCarol McMahon, API – carol.mcmahon@wnins.com ............................(952) 921-3151 7151Nita Bicknell – nita.bicknell@wnins.com ................................................(952) 921-9208 7208Vonda Miller, API – vonda.miller@wnins.com .......................................(952) 921-3822 7822Tina Pratt, CPCU, API – tina.pratt@wnins.com .....................................(952) 921-9243 7243TEAM 3 – Iowa, Minnesota, WisconsinRaunatte Janisch – raunatte.janisch@wnins.com .................................(952) 921-3800 7800Patty Berge – patty.berge@wnins.com ..................................................(952) 921-3856 7856Rich Danielson – rich.danielson@wnins.com ........................................(952) 921-9206 7206Bridget Kvarnlov, CIC – bridget.kvarnlov@wnins.com ..........................(952) 921-9261 7261UNDERWRITING ASSISTANTSMishawn Hamilton – mishawn.hamilton@wnins.com ............................(952) 921-3882 7882Supervisor – Underwriting AssistantsLisa Hanson – lisa.hanson@wnins.com ................................................(952) 921-5669 7669Jon Duoos – jon.duoos@wnins.com ......................................................(952) 921-9217 7217Customer Relationship Center – (952) 921-3808 or (800) 352-2772Personal Lines Department – (952) 835-8108 or (866) 231-2915Underwriting Fax – (952) 921-5602 or (888) 862-6069Underwriting Email – plund@wnins.comWNM Personal Lines Department Page 1 1-1-2<strong>01</strong>3
PERSONAL LINES UNDERWRITINGDEPARTMENTCINDY DOBLE, CPCU, APIVice PresidentExt. 7810 - email: cindy.doble@wnins.comCindy began her insurance career at <strong>Western</strong> <strong>National</strong> in 1975. Hired as a mail person/renewal processor,she worked her way through the various duties in the Personal Lines Clerical department. In 1980, she waspromoted to the Underwriting department. She received her Chartered Property <strong>and</strong> Casualty Underwriterdesignation in 1992 <strong>and</strong> is currently a member of the Society of CPCU. In March of 2<strong>01</strong>1, Cindy was namedChief Underwriting Officer – Personal Lines.CYNDI WRIGHT, CPCU, API, AITUnderwriting ManagerExt. 7618 - email: cyndi.wright@wnins.comCyndi joined <strong>Western</strong> <strong>National</strong> in 1985 <strong>and</strong> has since served in various roles including Bookkeeping Clerk,Personal Lines Underwriter, Business Team Lead, <strong>and</strong>, most recently, as Assistant Manager – Personal LinesUnderwriting. During that time, she also earned her CPCU, API, <strong>and</strong> AIT designations from the AICPCU-I<strong>IA</strong>.In November of 2<strong>01</strong>1, she was promoted to Underwriting Manager – Personal Lines. This promotionrecognizes years of excellent leadership in the Personal Lines Underwriting area <strong>and</strong> the key role she hasplayed, <strong>and</strong> will continue to play, in representing the Underwriting area on corporate projects.KAREN WISDORF, APIUnderwriting Operations <strong>and</strong> Facilities ManagerExt. 7869 - email: karen.wisdorf@wnins.comKaren joined <strong>Western</strong> <strong>National</strong> in 1998 as an Administrative Assistant. She has worked in successive roles inthe Personal Lines area since then, most recently serving as Assistant Manager – Personal LinesUnderwriting Operations. During that time, she also earned her API <strong>and</strong> AIS designations from the AICPCU-I<strong>IA</strong>. In November of 2<strong>01</strong>1, she was promoted to Underwriting Operations & Facilities Manager. Thispromotion recognizes years of excellent work she has done in leading the Underwriting Operations team.WNM Personal Lines Department Page 2 1-1-2<strong>01</strong>3
RAUNATTE JANISCHSenior Underwriter – Personal LinesExt. 7800 - email: raunatte.janisch@wnins.comRaunatte began her insurance career in 1975 at Mutual Service <strong>Insurance</strong> as a policy mailer. Over the years,she held various positions <strong>and</strong> through her hard work, she was promoted to the position of Personal LinesUnderwriter. In November 1990, Raunatte joined the underwriting forces at Austin Mutual. She accepted thePersonal Lines Underwriter position at <strong>Western</strong> <strong>National</strong> in October 1995. In 1998, she was promoted to theposition of Senior Personal Lines Underwriter for her team. Raunatte received her Certificate in General<strong>Insurance</strong> <strong>and</strong> is currently pursuing her CPCU designation.CAROL McMAHON, APISenior Underwriter – Personal LinesExt. 7151 - email: carol.mcmahon@wnins.comCarol began her insurance career in 1971 at USF&G as a casualty rater. She then worked at Zurich <strong>Insurance</strong>Company for several years before becoming employed by Royal <strong>Insurance</strong> where she worked for thirteenyears. In 1985, Carol moved into the Commercial Underwriting department. Royal wanted to establish a“local” personal Lines Underwriting presence in the metro area <strong>and</strong> therefore Carol moved into Personal LinesUnderwriting. In December of 1990, she joined <strong>Western</strong> <strong>National</strong> as a Personal Lines Underwriter. During1998 she was promoted to the Senior Personal Lines Underwriter for her team. Carol has received herAssociate in Personal <strong>Insurance</strong> designation.TINA PRATT, CPCU, APISenior Underwriter – Personal LinesExt. 7243 - email: tina.pratt@wnins.comTina began working for <strong>Western</strong> <strong>National</strong> in October 1986 as an Automobile Rater <strong>and</strong> was promoted inMarch 1987 to Personal Lines Underwriting Assistant. In May 1988, Tina changed direction by joining theReinsurance department where she worked closely with the Underwriting, Claims, <strong>and</strong> Accountingdepartments. In August 1992, she was promoted to Reinsurance Administrator. Tina came back to thePersonal Lines department <strong>and</strong> accepted an Underwriter position. She received her CPCU designation in2002 <strong>and</strong> API in 2003. In 2005, she was promoted to Senior Underwriter <strong>and</strong> exp<strong>and</strong>ed her underwritingterritories to include our growing western states of the Assurance Company.PATTY BERGEUnderwriter – Personal LinesExt. 7856 - email: patty.berge@wnins.comPatty’s insurance career began at <strong>Western</strong> <strong>National</strong> in August 1978. She held several positions in thePersonal Lines Clerical department including Underwriting Assistant. In October 1988, Patty was promoted toPersonal Lines Underwriter.NITA BICKNELLUnderwriter – Personal LinesExt. 7208 - email: nita.bicknell@wnins.comFresh out of college in 1974, Nita started with Farmers Home Mutual as a coder for policy conversion. In1978 she began underwriting Personal Lines policies for Washington <strong>and</strong> Minnesota, <strong>and</strong> in 2000 addedCalifornia <strong>and</strong> Nevada. In May 2006, Nita made the transfer to <strong>Western</strong> <strong>National</strong> with FHG.WNM Personal Lines Department Page 3 1-1-2<strong>01</strong>3
RICH DANIELSONUnderwriter – Personal LinesExt. 7206 - email: rich.danielson@wnins.comRich started at American Hardware <strong>Insurance</strong> in 1995 as an Agency Service Representative <strong>and</strong> waspromoted to Personal Lines Underwriter that same year. He joined Farmers Home Group in 2000 as anUnderwriter. He has held an active agent’s license for the State of Minnesota since 1988.BRIDGET KVARNLOV, CICUnderwriter – Personal LinesExt. 7261 - email: bridget.kvarnlov@wnins.comBridget began her insurance career at Minnesota Fire <strong>and</strong> Casualty/MML (Harleysville) as a CommercialLines rater. In 1987 she accepted a position as a Personal Lines Customer Service Supervisor <strong>and</strong> latermoved to Personal Lines Underwriting/Supervising in the HomePlus area. In March of 2002, Bridget beganworking with Farmers Home Group as a Personal Lines Underwriter, <strong>and</strong> in May 2006 she made the transferto <strong>Western</strong> <strong>National</strong> with FHG. She has her CIC designation <strong>and</strong> hopes to pursue CPCU.VONDA MILLER, APIUnderwriter – Personal LinesExt. 7822 - email: vonda.miller@wnins.comVonda has been a member of <strong>Western</strong> <strong>National</strong>’s Personal Lines Underwriting team since 1990. She came to<strong>Western</strong> in 1978 from an independent insurance agency. Prior to her underwriting duties, she worked as aClaims Clerk <strong>and</strong> Dwelling Fire Rater. She worked in the Boiler <strong>and</strong> Machinery area for 10 years, <strong>and</strong> in 1987she was promoted to the position of Boiler <strong>and</strong> Machinery Coordinator. She has also attained her certificatein General Principles of <strong>Insurance</strong>.MISHAWN HAMILTONSupervisor – Personal Lines Underwriting AssistantsExt. 7882 - email: mishawn.hamilton@wnins.comMishawn began her career at <strong>Western</strong> <strong>National</strong> in July 1992. She has worked in several areas within thePersonal Lines department. Mishawn was promoted to Underwriting Assistant in April 1996. She also was anactive member on the CHIPS team. In May 2002 Mishawn’s position as Supervisor of UnderwritingAssistants began. Mishawn has her Certificate in General <strong>Insurance</strong> <strong>and</strong> is currently pursuing the Associatein Personal <strong>Insurance</strong> program.JON DUOOSUnderwriting AssistantExt. 7217 - email: jon.duoos@wnins.comJon began his career at <strong>Western</strong> <strong>National</strong> in May of 1993 as a file clerk. He has since worked in variouspositions in the Personal Lines department, most recently in applications. In October 2003, he was promotedto Underwriting Assistant.LISA HANSONUnderwriting AssistantExt. 7669 - email: lisa.hanson@wnins.comLisa began her career with <strong>Western</strong> <strong>National</strong> in the Personal Lines department in 1992. She is well versed inthe endorsement <strong>and</strong> cancellation procedures. In October 1994, she was promoted to Personal LinesUnderwriting Assistant. Lisa has completed the INS insurance courses <strong>and</strong> is currently pursuing her CPCUdesignation.WNM Personal Lines Department Page 4 1-1-2<strong>01</strong>3
GENERAL INSTRUCTIONS1. DO NOT BIND THE FOLLOWING RISKSAmbulanceAtomic Energy Commission Projects <strong>and</strong> Operations conducted underLicense from Atomic Energy CommissionDump Trucks, Farm Trucks, or other Commercial-type vehicles -- Refer to Commercial AutomobileProgramExplosive, Ammunition or Ammonium Nitrate HaulersFire Trucks <strong>and</strong> Police Emergency Vehicles(Towns of 25,000 population or more)Gas Trucks (Gasoline <strong>and</strong> L.P.G.)Habitual Law ViolatorsHot Rods or Racers -- Vehicles used in speed contests, races or exhibitionsLong Haul Truckmen -- Refer to Commercial Automobile ProgramMotorcyclesNewspaper Delivery VehiclesNon-Owned VehiclesProfessional EntertainersPublic Passenger -- Carrying VehiclesRisks Canceled by Other CarriersRisks Removed from Assigned Risk PoolRisks with More Than One Chargeable Accident in the Past Three YearsTaxi Cabs or U-Drive (i.e. U-Haul)TransientsVehicles with Attached Amusement Devices2. LEGAL TITLEThe “named insured” must have legal title to <strong>and</strong> ownership of the vehicle(s) insured. Vehicles owned by children orother members of the household must be written on policies in their name - subject to underwriting. The “owner” of avehicle is responsible for securing <strong>and</strong> maintaining insurance coverage.If a risk has unusual circumstances, making it better than average in its class, it may be submitted to the Company.1-1-2<strong>01</strong>0 <strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> Group General Rules
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 1.DefinitionsA. Private Passenger Auto1. A private passenger auto is a four wheelmotor vehicle, other than a truck type, ownedor leased under contract for a continuousperiod of at least six months; <strong>and</strong>a. Not used as a public or livery conveyancefor passengers;b. Not rented to others.2. A motor vehicle that is a pickup or van shallbe considered a private passenger auto if it;a. Has a Gross Vehicle Weight Rating of10,000 lbs. or less, or is a vehicle with aGross Vehicle Weight Rating greaterthan 10,000 lbs. for which a symbol isdisplayed in the Symbol <strong>and</strong> IdentificationManual; <strong>and</strong>b. Is not used for the delivery or transportationof goods or materials unless suchuse is:(1) Incidental to the insured’s businessof installing, maintaining or repairingfurnishings or equipment, or(2) For farming or ranching.A pickup or van used in the business of theUnited States Government, by an employeeof the Government, shall be considered aprivate passenger auto only if;a. It meets the conditions in a. <strong>and</strong> b.above; <strong>and</strong>b. Coverage is limited in accordance withthe Federal Employees Using Autos inGovernment Business endorsementPP 03 <strong>01</strong>.3. A motor vehicle owned by a farm family copartnership,or farm family corporation shallbe considered a private passenger autoowned by two or more relatives who areresidents of the same household if:a. It is principally garaged on a farm orranch; <strong>and</strong>b. It otherwise meets the definitions in 1.<strong>and</strong> 2. above.REFER TO COMPANYB. Auto as used in this manual refers to a privatepassenger auto or a vehicle considered as aprivate passenger auto.C. Liability as used in this manual refers only toBodily Injury <strong>and</strong> Property Damage Coverages.D. Comprehensive Coverage as used in this manualrefers to other than collision damage (OTC)to a motor vehicle.E. Owned as used in this manual includes:1. An auto leased under contract for acontinuous period of at least six months. Ifan auto lease contract requires the lessee toprovide primary insurance for the lessor,attach the Additional Insured-Lessorendorsement PP 03 19.2. A vehicle owned by a trust. Refer to Rule2.E. for eligibility requirements applicable tovehicles owned by a trust.The named insured must have legal title to<strong>and</strong> ownership of the vehicle(s) insured.Vehicles owned by children or other membersof the household must be placed on policiesin their name (subject to eligibility).F. Family Member means a person related to youby blood, marriage or adoption who is a residentof your household.G. Gross Vehicle Weight Rating as used in thismanual refers to the maximum loaded weight forwhich a single vehicle is designed, as specifiedby the manufacturer.H. Farm Truck means all single unit trucks used bythe owner to transport agriculture <strong>and</strong> farmproducts from the farm to market, <strong>and</strong> to transportproperty <strong>and</strong> supplies to the farm. Thedefinition will not include truck tractors, tractors,or semitrailers <strong>and</strong> does not include any haulingfor hire.REFER TO COMMERC<strong>IA</strong>L AUTO PROGRAMI. Truck is defined as a motor vehicle designed <strong>and</strong>used for carrying things other than passengers.This type of vehicle is considered a commercialtype vehicle <strong>and</strong> ineligible for coverage under theprivate passenger automobile program.REFER TO COMMERC<strong>IA</strong>L AUTO PROGRAM1-1-2<strong>01</strong>0 PA-1 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 1.Definitions (cont’d)J. Classic Auto is a motor vehicle of the privatepassenger type which is 10 or more years old<strong>and</strong> may be used on a regular basis. Its value issignificantly higher than the average value ofother autos of the same make <strong>and</strong> model year.REFER TO SPEC<strong>IA</strong>LTY MARKETSK. Antique Auto is a motor vehicle of the privatepassenger type which is 25 or more years old<strong>and</strong> is maintained primarily for use in exhibitions,club activities, parades, other activities, otherfunctions of public interest, <strong>and</strong> occasionally usedfor other purposes.REFER TO SPEC<strong>IA</strong>LTY MARKETSL. Collector Auto is a motor vehicle that is owned<strong>and</strong> operated solely as a collector’s item <strong>and</strong> notfor general transportation purposes.REFER TO SPEC<strong>IA</strong>LTY MARKETSM. Kits/Replicas/Custom And Modified Autos arespecial vehicles that may have been made by theowners of the custom-built cars or made byothers on their behalf. These cars are mademostly of fiberglass material <strong>and</strong> therefore moresubject to damage. Examples include dunebuggies, hot rods, kit cars, etc.REFER TO SPEC<strong>IA</strong>LTY MARKETSRule 2.Personal Auto Policy - EligibilityA. A Personal Auto Policy shall be used to affordcoverage to private passenger autos <strong>and</strong> motorvehicles considered as private passenger autosin Rule 1., if:1. They are written on a specified auto basis,<strong>and</strong>2. They are owned by an individual or by:a. A husb<strong>and</strong> <strong>and</strong> wife who are residents inthe same household; orb. Domestic partnerships or non-traditionalcouples within the same household if;• At least one vehicle on the policy isco-titled or;• <strong>Western</strong> <strong>National</strong> writes the HO <strong>and</strong>it is co-titled <strong>and</strong>;• Both named insureds sign the Non-Traditional Partnership Supplement<strong>and</strong> an application;• Both share the same primaryresidence <strong>and</strong>;• Both are in a committed relationshipof mutual caring <strong>and</strong>;• Both are not married (to each other oranybody else) <strong>and</strong>;• Both are each other’s sole domesticpartners <strong>and</strong>;• Both are jointly responsible for basicliving expenses <strong>and</strong>;• Both are expecting their domesticpartnership to be long term.Both husb<strong>and</strong> <strong>and</strong> wife who are residentsin the same household, or both parties tothe domestic partnership, may be listedas named insureds on the declarationspage.B. A Personal Auto Policy shall be used to affordcoverage to private passenger autos, <strong>and</strong> pickups<strong>and</strong> vans as defined in Rule 1. that areowned jointly by two or more:1. Resident relatives other than:a. Husb<strong>and</strong> <strong>and</strong> wife; orb. Parties who have entered into adomestic partnership as defined inRule 2.A.2.b;2. Resident individuals; or3. Non-resident relatives, including:a. A non-resident husb<strong>and</strong> <strong>and</strong> wife; orb. Non-resident parties who have enteredinto a domestic partnership as defined inRule 2.A.2.bIf:- They are written on a specified auto basis,- The policy affords coverage only for such privatepassenger autos, pickups or vans whichare jointly owned, <strong>and</strong>- The Joint Ownership Coverage endorsementPP 03 34 is attached. Refer to theendorsement for the extent of coverage.NOTEThe insurer may elect to not apply the non-ownedauto liability coverage exclusion under the JointOwnership Coverage endorsement. Refer to theCompany for the application of this exclusion.1-1-2<strong>01</strong>0 PA-2 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 2.Personal Auto Policy – Eligibility (cont’d)C. A Personal Auto Policy shall be used to affordcoverage to motor homes <strong>and</strong> golf carts (licensedfor road use) if:1. They are written on a specified vehicle basis;2. They are owned by:a. An individual;b. A husb<strong>and</strong> <strong>and</strong> wife;c. Parties who have entered into a domesticpartnership as defined in Rule 2.A.2.b;c. A vehicle owned by a trust, in which thegrantor is a corporate entity, is not eligibleunder the Personal Auto Programbut may be written under a commercialauto policy.2. EndorsementAttach the Trust endorsement PP 13 03 tothe policy.ExceptionExposures mentioned above may be writtenunder a commercial auto policy when combinedwith a commercial risk. Refer to the CommercialAuto Programd. Two or more relatives other than:(1) Husb<strong>and</strong> <strong>and</strong> wife; or(2) Parties who have entered into adomestic partnership as defined in Rule2.A.2.b; ore. Two or more resident individuals; <strong>and</strong>3. Coverage is limited in accordance with theMiscellaneous Type Vehicle endorsement PP03 23.D. A Personal Auto Policy shall be used to affordcoverage to a named individual who does notown an auto. The Named Non-Owner Coverageendorsement PP 03 22 must be attached.REFER TO COMPANYE. A Personal Auto Policy shall be used to affordcoverage to:1. Private passenger autos <strong>and</strong> motor vehiclesconsidered as private passenger autos inRule 1.; <strong>and</strong>2. Motor homes, golf carts or other similar typesof vehicles;if title to the vehicle(s) has been transferred to atrust, subject to the following requirements:1. Requirementsa. The grantor of the trust must be:(1) An individual or a husb<strong>and</strong> <strong>and</strong> wife;<strong>and</strong>(2) The only named insured(s) shown inthe Declarations.b. All vehicles insured under the policy mustbe owned by the trust.Rule 3.Premium DeterminationBodily Injury Liability <strong>and</strong> Property Damage Liability,Medical Payments, Comprehensive <strong>and</strong> Collision premiumsare determined as follows:A. Refer to the Classification Rule to determine theapplicable Classification, Rating Factor(s) <strong>and</strong>Statistical Code.B. Model Year <strong>and</strong> Symbol Determination1. Refer to the Model Year/Age Group Rule todetermine the model year/age of the auto<strong>and</strong> refer to the Symbol <strong>and</strong> IdentificationManual for the appropriate symbol of theauto.2. If no Rating Symbol is shown in the Symbol<strong>and</strong> Identification Manual, use the followingprocedure to determine an interim ratingsymbol.a. All Model Years Except 2<strong>01</strong>1(1) If the Symbol <strong>and</strong> IdentificationManual displays a rating symbol forthe PRIOR MODEL YEAR version ofthe same vehicle, use the priormodel year’s Rating Symbol for thenew model year vehicle.(2) If the Symbol <strong>and</strong> IdentificationManual does not display a ratingsymbol for the PRIOR MODELYEAR version of the same vehicle orit is a new model, assign a symbolbased on the cost new of the auto,using the Price/Symbol Chart locatedin Rule 11. of this Manual.1-1-2<strong>01</strong>0 PA-3 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 3.Premium Determination (cont'd)b. Model Year 2<strong>01</strong>1(1) For Model Year 2<strong>01</strong>1 only, if the Symbol <strong>and</strong> Identification Manual displays a rating symbol for the priormodel year of the same vehicle, convert Rating Symbols from the Model Year 2<strong>01</strong>0 27-Symbol Table tothe Model Year 2<strong>01</strong>1 75-Symbol Table as follows:2<strong>01</strong>0Rating Symbol2<strong>01</strong>1ComprehensiveRating Symbol2<strong>01</strong>1CollisionRating Symbol2<strong>01</strong>0Rating Symbol2<strong>01</strong>1ComprehensiveRating Symbol2<strong>01</strong>1CollisionRating Symbol1 2 2 15 25 252 3 3 16 28 283 4 4 17 31 314 5 5 18 35 355 6 6 19 37 376 8 8 20 41 417 10 10 21 44 448 11 11 22 48 4810 13 13 23 52 5211 15 15 24 56 5612 17 17 25 59 5913 19 19 26 61 6114 21 21 27 See Paragraph below(2) If the Symbol <strong>and</strong> Identification Manual doesnot display a rating symbol for the PriorModel Year version of the same vehicle, orthe Prior Model Year is 2<strong>01</strong>0 <strong>and</strong> the Symbol<strong>and</strong> Identification Manual displays a ratingsymbol of 27 for that vehicle, assign asymbol based on the cost new of the auto,using the Price/Symbol Chart located in Rule11. of this Manual.C. Refer to the Exception Pages to determine thesymbol factors for Comprehensive <strong>and</strong> Collisioncoverages.D. Refer to Territory Definitions to determine theterritory code for the location where the auto isprincipally garaged.NOTEWhen a risk is statutorily required to have, or iseligible for, a coverage that is not available in theterritory of principal garaging, use the registrationaddress to determine the territory for thatcoverage.E. Refer to the applicable Rate Pages to determinebase rates for the desired coverage for theappropriate territory.F. When a surcharge is applicable under the CertifiedRisk - Financial Responsibility Laws Rule,the surcharge is to be applied to the liabilitypremium determined by the foregoing provisions.1-1-2<strong>01</strong>0 PA-4 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 4.Classifications And Rating FactorsThis rule does not apply to risks rated in accordance withthe Miscellaneous Types Rule unless otherwise specified.Refer to Section C. below for definitions of terms used inthis rule.A. Autos Owned by an Individual, or OwnedJointly by Two or More Relatives or ResidentIndividuals are classified as follows:1. Primary Classificationa. Classify the auto according to the age,sex <strong>and</strong> martial status of the operators,the use of the auto <strong>and</strong> the eligibility ofyouthful operators for the Good Studentclasses, <strong>and</strong>b. Refer to the Class Plan Pages to determinethe appropriate classification <strong>and</strong>to determine the applicable factor(s) fromthe Primary Rating Factor tables.NOTEThe existence of other vehicles in thehousehold furnished or available forregular use (i.e., company cars, etc.) willbe taken into consideration for classificationpurposes.2. Secondary Classificationa. Performance VehiclesVehicles identified as High Performance,Sports, Sports Premium, <strong>and</strong> Exotic willrequire special consideration <strong>and</strong> mustbe referred to the underwritingdepartment before coverage can bebound. For a listing see page PA-23.b. Determine if the auto is:(1) A single car, or(2) Part of a multi-car risk.c. Refer to the Secondary Rating Factortable to determine the appropriate factorto be added to, or subtracted from thePrimary Rating Factor.3. Classification ChangesCompute premium adjustments on a pro ratabasis when changes in Primary <strong>and</strong>Secondary Rating Classifications are made.This includes the addition or deletion of anoperator during the policy term.Exceptions1. A policy may be changed mid-term if anoperator or household member receivesa drivers license.2. A policy may not be changed mid-termbecause of the attained age of an operatorof the auto.3. A policy may not be changed mid-termsolely due to a change in symbol assignment.Rating Symbols may be adjustedon renewal based on the mostcurrent ISO symbol assignment.B. Private Passenger Autos Owned by FarmFamily Co-partnerships, or Farm FamilyCorporationsREFER TO COMMERC<strong>IA</strong>L AUTO PROGRAMC. Definitions1. Use Classificationsa. Business Use means that the use of theauto is required by or customarilyinvolved in the duties of the applicant orany other person customarily operatingthe auto, in an occupation, profession orbusiness, other than going to or from theprincipal place of occupation, professionor business.b. Farm Use means the auto is principallygaraged on a farm or ranch, <strong>and</strong>(1) It is not used in going to or from workother than farming or ranching, ordriving to or from school, <strong>and</strong>(2) It is not used in any occupation otherthan farming or ranching.NOTEDriving to <strong>and</strong> from one farm to anotherwill be considered driving to <strong>and</strong> fromwork in the case where the insured liveson a farm <strong>and</strong> works on another farm.1-1-2<strong>01</strong>0 PA-5 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 4.Classification <strong>and</strong> Rating Factors (cont’d)c. Pleasure Use means:(1) No BUSINESS USE.(2) Personal use including driving to orfrom work or school less than 3 roadmiles one way.d. Work Less Than 15 Miles means:(1) No BUSINESS USE.(2) Personal use including driving to orfrom work or school 3 or more, butless than 15, road miles one way.e. Work 15 Or More Miles means:NOTE(1) No BUSINESS USE.(2) Personal use including driving to orfrom work or school 15 or more roadmiles one way.An auto driven part way to or from work orschool, such as to a railroad station, busdepot, or a park-<strong>and</strong>-ride, whether or not theauto is parked there all day, shall beconsidered as driving to or from work orschool.NOTE REGARDING L<strong>IA</strong>BILITY:An auto used in the business of the U.S.Government by one of its employees may beclassified <strong>and</strong> rated as pleasure use, workless than 15 miles or work 15 or moremiles, when the Federal Employees UsingAutos In Government Business endorsementPP 03 <strong>01</strong> is used to limit liability coverage.Examples may include postal carriers.2. Age, Sex <strong>and</strong> Marital Status Classificationsa. YOUTHFUL OPERATOR means an applicantor any other operator resident inthe same household as the applicant,who may operate the auto, or any otherperson who customarily operates theauto, who is one of the following:(1) YOUTHFUL UNMARRIED MALEOPERATOR – unmarried male under25 years of age who is not an owneror principal operator;(2) YOUTHFUL UNMARRIED MALEOWNER OR PRINCIPAL OPERA-TOR – unmarried male under 30years of age who is an owner orprincipal operator;(3) YOUTHFUL MARRIED MALE OP-ERATOR – married male under 25years of age;(4) YOUTHFUL UNMARRIED FEMALEOPERATOR – unmarried femaleunder 25 years of age who is not anowner or principal operator;(5) YOUTHFUL UNMARRIED FEMALEOWNER OR PRINCIPAL OPERA-TOR – unmarried female under 30years of age who is an owner orprincipal operator;(6) YOUTHFUL MARRIED FEMALEOPERATOR – married female under25 years of age.b. NO YOUTHFUL OPERATOR means:(1) A Youthful Operator classification isnot applicable to the auto, <strong>and</strong>(2) The applicant or any other operatorresident in the same household asthe applicant who may operate theauto, or any other person whocustomarily operators the auto, isone of the following:(a) Operator Age 30-39(b) Operator Age 40-49(c) Operator Age 50-65(d) Operator Age 65-74(e) Operator Age 75-79(f) Operator Age 80-84(g) Operator Age 85 or Over(h) All Other Operators Age 25-29:Operators who are ages 25-29but who are not eligible for anyYouthful Operator classification.c. Age means the age attained on the lastbirthday.d. Married means a married person livingwith his or her spouse.1-1-2<strong>01</strong>0 PA-6 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 4.Classification <strong>and</strong> Rating Factors (cont’d)e. Resident means anyone residing in thesame household. This will include allchildren licensed or not, all children awayat school or college, <strong>and</strong> all roommatesor significant others.Exceptions(1) A person in active military servicewith the armed forces of the UnitedStates of America is not considered aresident in the applicant’s householdunless this person customarilyoperates the auto. If this person hasan insured vehicle in a state where<strong>Western</strong> <strong>National</strong> has no rates onfile, insurance coverage should besecured in the state of operation <strong>and</strong>principal garaging.(2) If a YOUTHFUL UNMARRIED FE-MALE OPERATOR or a YOUTH-FUL UNMARRIED MALE OPERA-TOR is a student residing at aneducational institution over 100 roadmiles from the auto’s place of principalgaraging, the auto is rated as ifthe student is married.(3) Private passenger automobilesowned by clergy will be rated as<strong>PL</strong>EASURE USE unless the ratingclassification reflects a YOUTHFULOPERATOR exposure.(4) If separated, rate as unmarried.3. Single Car <strong>and</strong> Multi-Car Risks: OperatorAssignment Rulea. Classify Single Car risks <strong>and</strong> Multi-Carrisks according to Rules 4.C.3.b. or4.C.3.c. below, depending on whether aYouthful Operator classification appliesto any auto being insured on the policy.(1) Rule 4.C.3.b. applies if a YouthfulOperator classification applies to anyauto on the policy.(2) Rule 4.C.3.c. applies if a YouthfulOperator classification does NOTapply to any auto on the policy.b. Operator assignment: Policies insuringone or more Youthful Operators.(1) Single Car Risks – The youthfuloperator with the highest PrimaryRating Factor shall apply.(2) Multi-Car Risks(a) Assign each youthful principaloperator to the auto he/sheprincipally operates. If a youthfuloperator is the principal operatorof more than one auto, assignthat operator to the auto with thehighest total base premium.(b) Assign other youthful operatorsto remaining autos as follows:(i) Determine the pleasure useprimary rating factors of allyouthful operators.(ii) Remaining youthful operatorsare assigned to remainingautos in the order ofthe highest rated youthfuloperator to the auto with thehighest total base premium.(iii) After assigning youthful operatorsto autos on the basisof pleasure use rating factors,each factor must beadjusted for the actual use ofthe auto before determining<strong>and</strong> applying the SecondaryRating Factor.(c) After all youthful operators havebeen assigned to autos accordingto (a) <strong>and</strong> (b) above, assignthe appropriate No Youthful Operatorclassification to remainingautos equal to the number ofoperators insured on the policy.Assign remaining operators tothe remaining autos in the orderof the highest rated operator tothe auto with the highest TotalBase Premium.(d) If the number of autos exceedsthe number of operators, theExcess Autos 1 classificationshall apply to the autos in excessof the number of operators.1-1-2<strong>01</strong>0 PA-7 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 4.Classification <strong>and</strong> Rating Factors (cont’d)c. Operator Assignment: Policies insuringNO drivers eligible for a Youthful Operatorclassification.(1) Single Car Risks – Assign the appropriateNo Youthful Operatorclassification based on the driver withthe highest primary rating factor.(2) Multi-Car RisksNOTEThe existence of other vehicles in thehousehold furnished or available forregular use (i.e. company cars, etc.)will be taken into consideration forclassification purposes.(a) For the purpose of this operatorassignment rule, each operatormust be assigned to at least oneauto, <strong>and</strong> each auto must havean operator assigned to it.(b) Operators are assigned toremaining autos in the order ofthe highest rated operator to theauto with the highest Total BasePremium.(c) If the number of autos exceedsthe number of operators, refer toRule 4.C.3.c.(3) to classify autosin excess of the number ofoperators insured on the policy.(3) Excess Autos – Classify autos in excessof the number of operators asfollows:(a) If all operators on the policy areage 40-74, the Excess Autos 2(All Operators Age 40-74) classificationshall apply to the autosin excess of the number of operators.(b) If not all operators on the policyare age 40-74, the Excess Autos1 classification shall apply to theautos in excess of the number ofoperators.d. Multi-Car DiscountThe applicable Multi-Car Rating Factorapplies on a per car basis if more thanone private passenger auto is owned byan individual or owned jointly by two ormore relatives or resident individuals,<strong>and</strong> two or more autos are insured in thesame company for any of the followingcoverages: Bodily Injury <strong>and</strong> PropertyDamage Liability.This discount shall not apply to a vehicleclassified <strong>and</strong> rated under the MiscellaneousTypes Rule (i.e., motorhomes, golf carts, etc.).e. Family DiscountThe applicable Family Discount applieson a per car basis if more than one policyis used to afford coverage from <strong>Western</strong><strong>National</strong>. The Family Discount will onlyapply to policies affording coverage tofamily members or parties who haveentered into a domestic partnership asdefined in Rule 2.A.2.b that reside in thesame household. This discount is notapplicable if a Multi-Car Discount is beinggiven on the policy.The dollar value of the Family Discount isthe same as the Multi-Car Discount <strong>and</strong>is calculated the same.This discount shall not apply to a vehicleclassified <strong>and</strong> rated under the MiscellaneousTypes Rule (i.e., motorhomes, golf carts, etc.).f. Corporate DiscountThe applicable Corporate Discount applieson a per car basis if the named insuredor spouse (if resident of the samehousehold) is provided with a corporateor company vehicle which is furnished oravailable for their regular use. Thisdiscount is not applicable if Multi-CarDiscount or Family Discount is beinggiven.Proof of insurance on the corporate orcompany vehicle is required in order toapply the Corporate Discount.The dollar value of the Corporate Discountis the same as the Multi-Car Discount<strong>and</strong> is calculated the same.1-1-2<strong>01</strong>0 PA-8 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 4.Classification <strong>and</strong> Rating Factors (cont’d)This discount shall not apply to a vehicleclassified <strong>and</strong> rated under the MiscellaneousTypes Rule (i.e., motorhomes, golf carts, etc.).g. Multi-Policy DiscountA multi-policy discount of 10% shall applyto all private passenger auto coverages ifan eligible homeowner policy is writtenwith <strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong>.(1) To be eligible for the credit, both theauto <strong>and</strong> the homeowner policy mustbe written for the same namedinsured <strong>and</strong> under the same accountnumber.(2) If the homeowner policy is cancelled,the credit will be removedfrom the auto policy at the next renewal.(3) If the homeowner policy is writtenafter the effective date of the autopolicy, the discount will apply on thenext renewal.(4) Seasonal homeowner policies <strong>and</strong>dwelling property policies do NOTqualify as eligible homeowner policies.(5) The credit is not applicable to motorhomes, recreational trailers, or utilitytrailers.h. Loyalty DiscountWhen a policy for a Named Insured orfamily member has been continuously inforce, without lapse, with <strong>Western</strong><strong>National</strong> for at least 3 years, a loyaltydiscount applies to all vehicles on thepolicy. If an insured driver is rewritten toa separate policy, this discount willcontinue.PolicyDiscountNew policy 0%1 st year anniversary 0%2 nd year anniversary 0%3 rd year anniversary 3%4 th year anniversary 3%5 th year anniversary 3%6 th year anniversary <strong>and</strong> after 5%i. TOTAL BASE PREMIUM is the sum ofthe base premium for Bodily Injury <strong>and</strong>Property Damage Liability, MedicalPayments, Comprehensive <strong>and</strong> Collisioncoverages that apply to the auto.4. Driver TrainingThe rates <strong>and</strong> rating classifications automaticallyreflect drivers training.5. Good StudentThe applicable Good Student classificationapplies provided:a. The owner or operator is:(1) Rated as an operator, <strong>and</strong>(2) A full time high school, college oruniversity student or enrolled in avocational-technical institute.(3) Is under 25 years of age.b. A certified statement (refer to companyfor form) from a school official is presentedto the Company on each renewaldate of the policy indicating that thestudent has met one of the followingrequirements during the immediatelypreceding school semester (or comparableperiod).(1) Is in the upper 20% of his/her classscholastically, or(2) Maintains a “B” average, or its equivalent.If the letter grading system cannot beaveraged, then no grade can bebelow a “B”.(3) When in a school maintaining anumerical grade, must have at leasta 3 in a 4, 3, 2, 1 point system or itsequivalent.(4) Student is included in a “Dean’s List”“Honor Roll” or comparable listindicating scholastic achievement.A newly rated YOUTHFUL OPERATORwill be eligible for the Good StudentCredit with proof of academic st<strong>and</strong>ing.This discount shall not apply to a vehicleclassified <strong>and</strong> rated under the MiscellaneousTypes Rule (i.e. motorThe discount applies to the policyhomes, golf carts, etc.)premium.1-1-2<strong>01</strong>3 PA-9 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 4.Classification <strong>and</strong> Rating Factors (cont’d)6. Pickups <strong>and</strong> Vansa. Liability <strong>and</strong> Physical Damage(1) Symbol - Rate as a private passengervehicle.(2) No symbol - Determine a symbolbased on the original cost new fromthe PRICE/SYMBOL CHART in thismanual.b. When a pickup is used to transport anonpermanently attached camper body,or to transport a camper body or coverwith no facilities for cooking <strong>and</strong> sleeping:(1) Rate for the pickup as a separateunit using the guidelines noted abovein paragraph a.(2) Rate for the camper as a separateunit. Refer to the RecreationalTrailers Section of the MiscellaneousTypes Rule.c. When a pickup is used to transport apermanently attached camper body withfacilities for cooking <strong>and</strong> sleeping, referto the Motor Homes Section of the MiscellaneousTypes Rule.Rule 5.Safe Driver <strong>Insurance</strong> Plan (SDIP)Rule 6.Model Year/Age Groups For ComprehensiveAnd Collision CoveragesA. Where Model Year is Used In Rating:1. The model year of the auto is the year assignedby the auto manufacturer.2. Rebuilt or Structurally Altered Autos - themodel year of the chassis determines themodel year of the auto.B. Where Age is Used In Rating:1. Age is determined as follows:AgeDefinitionGroups1 All automobiles of the current model year.2 All automobiles of the first preceding model year.3 All automobiles of the second preceding model year.4 All automobiles of the third preceding model year.5 All automobiles of the fourth preceding model year.6 All automobiles of the fifth preceding model year.7 All automobiles of the sixth preceding model year.8 All automobiles of the seventh preceding model year.9 All other automobiles.NOTEThe current model year as used in this section,changes effective October 1 of each calendaryear regardless of the actual introduction of themakes <strong>and</strong> models.2. Rebuilt or Structurally Altered Autos - the ageof the chassis determines the age of theautos.Reserved for future use.1-1-2<strong>01</strong>0 PA-10 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 7.Policy PeriodA. No policy may be written for a period longer than12 months.B. Twelve Month Policies1. The rates shown in this manual are for a sixmonth policy term. Refer to the appropriateRate Pages to determine manual rates <strong>and</strong>apply any applicable adjustments <strong>and</strong> ratingfactor(s), including a policy term factor of 2.0.2. Twelve month policies must be direct billedwith an EFT payment or full pay option. Fordirect billing EFT payment options, refer tothe Direct Billing Manual.C. Six Month Policies1. The rates shown in this manual are for a sixmonth policy term. Refer to the appropriateRate Pages to determine manual rates <strong>and</strong>apply any applicable adjustments <strong>and</strong> ratingfactor(s).2. Six month policies can be either agencybilled or direct billed. Agency billed policiesrequire full payment. For direct billingpayment options, refer to the Direct BillingManual.D. Other Short Term PoliciesRule 8.ChangesPolicies written for less than 12 months <strong>and</strong> otherthan 6 months shall be written on a pro ratabasis.REFER TO COMPANYA. All changes requiring premium adjustments shallbe computed pro rata.B. If an auto or a form of coverage that was canceledfrom a policy at the request of the insuredis reinstated within 30 days, the premium shall bethe same as the amount that was returned at thetime of cancellation.Rule 9.CancellationA. If a policy, vehicle or form of coverage is canceledby the company or the insured:Compute return premium pro rata.B. Refund of Unearned PremiumIf a policy, vehicle or form of coverage is canceledby the company, cancellation shall not beeffective unless any unearned premium due tothe insured is returned to the insured with thenotice of cancellation or is delivered or sent bymail to the insured so as to be received by theinsured on or before the effective date of cancellation.If a policy, vehicle or form of coverage is canceledby the insured, the return of unearnedpremium must be delivered to the insured within20 days following receipt by the insurer of theinsured’s request for cancellation.Rule 10.Whole Dollar PremiumThe premium for each exposure shall be rounded tothe nearest whole dollar, separately for eachcoverage provided by the policy.The premium involving $.50 or more shall be roundedto the next higher whole dollar.This procedure may apply to all interim premiumadjustments, including endorsements or cancellationsat the request of the insured. In the case ofcancellation by the company, the return premiummay be carried to the next higher whole dollaramount.The phrase “each exposure” as used herein shallmean each premium developed (after the applicationof all applicable adjustments) for (1) each auto, ifwritten on a per car basis, <strong>and</strong> (2) for all other autobusiness.C. Premium AdjustmentsIf a policy is amended <strong>and</strong> results in a premiumadjustment, refer to the Billing Manual.1-1-2<strong>01</strong>3 PA-11 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 11.Price/Symbol ChartIf the Symbol <strong>and</strong> Identification Manual does NOTdisplay a rating symbol for the PRIOR MODEL YEARversion of the same vehicle or it is a new model,assign a symbol based on the cost new of the auto,using the PRICE/SYMBOL CHART.Original Cost Means1. Manufacturer’s Suggested Retail Price for Autosbuilt in U.S.2. Manufacturer’s Suggested Retail Price in U.S. forspecially built Autos.3. Manufacturer’s Suggested Retail Price in U.S. forimported Autos.PRICE/SYMBOL CHARTComprehensive <strong>and</strong> Collision2<strong>01</strong>0 <strong>and</strong> Prior Model Years1989 <strong>and</strong> prior I.S.O. 1990 through 2<strong>01</strong>0model years Symbol model yearsManufacturer’s Suggested Retail PriceManufacturer’s Suggested Retail Price$ 0 - 1,600 1 $ 0 - 6,50<strong>01</strong>,6<strong>01</strong> - 2,100 2 6,5<strong>01</strong> - 8,0002,1<strong>01</strong> - 2,750 3 8,0<strong>01</strong> - 9,0002,751 - 3,700 4 9,0<strong>01</strong> - 10,0003,7<strong>01</strong> - 5,000 5 10,0<strong>01</strong> - 11,2505,0<strong>01</strong> - 6,500 6 11,251 - 12,5006,5<strong>01</strong> - 8,000 7 12,5<strong>01</strong> - 13,7508,0<strong>01</strong> - 10,000 8 13,751 - 15,00<strong>01</strong>0,0<strong>01</strong> - 12,500 10 15,0<strong>01</strong> - 16,25<strong>01</strong>2,5<strong>01</strong> - 15,000 11 16,251 - 17,50<strong>01</strong>5,0<strong>01</strong> - 17,500 12 17,5<strong>01</strong> - 18,75<strong>01</strong>7,5<strong>01</strong> - 20,000 13 18,751 - 20,00020,0<strong>01</strong> - 24,000 14 20,0<strong>01</strong> - 22,00024,0<strong>01</strong> - 28,000 15 22,0<strong>01</strong> - 24,00028,0<strong>01</strong> - 33,000 16 24,0<strong>01</strong> - 26,00033,0<strong>01</strong> - 39,000 17 26,0<strong>01</strong> - 28,00039,0<strong>01</strong> - 46,000 18 28,0<strong>01</strong> - 30,00046,0<strong>01</strong> - 55,000 19 30,0<strong>01</strong> - 33,00055,0<strong>01</strong> - 65,000 20 33,0<strong>01</strong> - 36,00065,0<strong>01</strong> - 70,000 21 36,0<strong>01</strong> - 40,00022 40,0<strong>01</strong> - 45,00023 45,0<strong>01</strong> - 50,00024 50,0<strong>01</strong> - 60,00025 60,0<strong>01</strong> - 70,000Vehicles valued over $70,000REFER TO COMPANYVehicles will automatically be resymbolled on the renewal reflecting the most currentsymbol as developed by ISO.1-1-2<strong>01</strong>0 PA-12 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualPRICE/SYMBOL CHARTComprehensive <strong>and</strong> Collision2<strong>01</strong>1 <strong>and</strong> Subsequent Model YearsPrice New BracketPrice New BracketSymbol Minimum Maximum Symbol Minimum Maximum1 $ 1 – $ 3,000 37 31,0<strong>01</strong> – 32,0002 3,0<strong>01</strong> – 5,500 38 32,0<strong>01</strong> – 33,0003 5,5<strong>01</strong> – 8,000 39 33,0<strong>01</strong> – 34,0004 8,0<strong>01</strong> – 9,000 40 34,0<strong>01</strong> – 35,0005 9,0<strong>01</strong> – 10,000 41 $ 35,0<strong>01</strong> – $ 36,0006 10,0<strong>01</strong> – 11,000 42 36,0<strong>01</strong> – 37,0007 11,0<strong>01</strong> – 12,000 43 37,0<strong>01</strong> – 38,0008 12,0<strong>01</strong> – 13,000 44 38,0<strong>01</strong> – 39,00<strong>01</strong>0 13,0<strong>01</strong> – 14,000 45 39,0<strong>01</strong> – 40,00<strong>01</strong>1 14,0<strong>01</strong> – 15,000 46 40,0<strong>01</strong> – 41,25<strong>01</strong>2 15,0<strong>01</strong> – 15,625 47 41,251 – 42,50<strong>01</strong>3 15,626 – 16,250 48 42,5<strong>01</strong> – 43,75<strong>01</strong>4 16,251 – 16,875 49 43,751 – 45,00<strong>01</strong>5 16,876 – 17,500 50 45,0<strong>01</strong> – 46,25<strong>01</strong>6 17,5<strong>01</strong> – 18,125 51 46,251 – 47,50<strong>01</strong>7 18,126 – 18,750 52 47,5<strong>01</strong> – 48,75<strong>01</strong>8 18,751 – 19,375 53 48,751 – 50,00<strong>01</strong>9 19,376 – 20,000 54 50,0<strong>01</strong> – 52,50020 20,0<strong>01</strong> – 20,625 55 52,5<strong>01</strong> – 55,00021 20,626 – 21,250 56 55,0<strong>01</strong> – 57,50022 21,251 – 21,875 57 57,5<strong>01</strong> – 60,00023 21,876 – 22,500 58 60,0<strong>01</strong> – 65,00024 22,5<strong>01</strong> – 23,125 59 65,0<strong>01</strong> – 70,00025 23,126 – 23,750 60 70,0<strong>01</strong> – 75,00026 23,751 – 24,375 61 75,0<strong>01</strong> – 80,00027 24,376 – 25,000 62 80,0<strong>01</strong> – 85,00028 25,0<strong>01</strong> – 25,625 63 85,0<strong>01</strong> – 90,00029 25,626 – 26,250 64 90,0<strong>01</strong> – 95,00030 26,251 – 26,875 65 95,0<strong>01</strong> – 100,00031 26,876 – 27,500 66 100,0<strong>01</strong> – 110,00032 27,5<strong>01</strong> – 28,125 67 110,0<strong>01</strong> – 120,00033 28,126 – 28,750 68 120,0<strong>01</strong> – 130,00034 28,751 – 29,375 69 130,0<strong>01</strong> – 140,00035 29,376 – 30,000 70 140,0<strong>01</strong> – 150,00036 30,0<strong>01</strong> – 31,000Vehicles will automatically be resymbolled on the renewal reflecting the most currentsymbol as developed by ISO.1-1-2<strong>01</strong>0 PA-13 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 12.Miscellaneous CoveragesA. Uninsured Motorists Coverage1. OwnersThis form of coverage may be afforded only ifBodily Injury Liability coverage has beenpurchased.If this form of insurance is purchased it mustapply to all vehicles on the policy.a. Basic LimitsThe rates shown on the Rate Pages arethe minimum limits available <strong>and</strong> are thefinancial responsibility law limits of thestate.Attach Uninsured Motorist Coverageendorsement.b. Increased LimitsIncreased Limits may be afforded butmay not be in excess of the Bodily InjuryLiability limits on the policy. <strong>Rates</strong> areshown on the Rate Pages.c. <strong>Rates</strong>The rates are not subject to classificationrating or modification by any rating plan<strong>and</strong> are displayed on the appropriateRate Pages.2. Non-OwnersIf a named non-owner policy is extended toafford Uninsured Motorists coverage, the ratefor such extension of coverage shall be theapplicable single car rate shown on theappropriate Rate Pages for Uninsured Motorist.REFER TO COMPANYB. Underinsured Motorist Coverage1. Ownersa. Basic LimitsProtection for this coverage up to the FinancialResponsibility law limits isprovided under the Uninsured MotoristsCoverage endorsement.b. Increased LimitsIncreased limits of Underinsured Motoristscoverage may be afforded underthe following conditions:(1) Only if increased limits UninsuredMotorists Coverage is afforded.(2) Increased limits Uninsured <strong>and</strong> UnderinsuredMotorists insurance mustbe afforded at the same limits.(3) Underinsured Motorists Coveragemust apply to all vehicles insuredunder the policy.(4) The Underinsured Motorists Coverageendorsement must be attached.c. <strong>Rates</strong>(1) <strong>Rates</strong> are displayed on the RatePages.(2) <strong>Rates</strong> are not subject to classificationrating or modification by any ratingplan.(3) Attach Underinsured Motorist Coverageendorsement.2. Non-OwnersIf a named non-owner policy is extended toafford Underinsured Motorists coverage, therate for such extension of coverage shall bethe applicable rate shown on the appropriateException Pages for Underinsured Motorist.REFER TO COMPANYC. Deductible <strong>Insurance</strong>1. Deductible Liability <strong>Insurance</strong>Is not available for vehicles classified <strong>and</strong>rated according to the rules of this manual.2. Comprehensive Deductibles For Which NoPremium Is ShownComprehensive coverage must be written ona deductible basis.Refer to the applicable Exception Pages todetermine the appropriate factor.3. Collision Deductibles For Which No Premiumis ShownCollision coverage must be written on adeductible basis.Refer to the applicable Exception Pages todetermine the appropriate factor.1-1-2<strong>01</strong>0 PA-14 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 12.Miscellaneous Coverages (cont’d)4. Common Loss DeductibleCommon Loss Deductible form WN IL 07 isadded to all Personal Automobile policies.This form changes the deductible provision.When an insured has more than one policy(homeowner, personal auto <strong>and</strong>/or motorcycle)insured with <strong>Western</strong> <strong>National</strong>, theyhave the option of choosing only the singlehighest deductible applicable to these policieswhenever an occurrence involves morethan one policy.D. Highway Emergency Loss Protection (HELP)This coverage may be written only when bodilyinjury <strong>and</strong> property damage liability coveragesare afforded in the limits of 100/300/50, or more,<strong>and</strong> when comprehensive <strong>and</strong> collision coverageare afforded on the automobile.1. CoverageCoverage is provided for:a. Transportation Expenses at $60/day, notto exceed $1,500,b. Road Side Assistance including towing,lockout service, delivery of automotivesupplies, battery service, <strong>and</strong> flat tireservice up to $150 per occurrence,c. Trip Interruption expense up to $750,<strong>and</strong>,d. Air Bag Replacement.2. RatingRefer to the Exception Pages for rates.3. EndorsementAttach HELP endorsement WN PP 27 to thepolicy.E. Optional Limits Transportation ExpensesCoverage (Rental Reimbursement)This coverage may be written only when comprehensivecoverage is afforded on a policy.1. The $30/$900 limit for Transportation ExpensesCoverage may be increased to$40/$1200 or $50/$1500.2. RatingThe provisions of Rule 4. Classifications donot apply to the rates for this coverage.Refer to the applicable Rate Pages for rates.3. Attach the Optional Limits TransportationExpenses Coverage endorsement PP 03 02to the policy.F. Towing <strong>and</strong> Labor CostsThis coverage may be written only when liability<strong>and</strong> comprehensive coverages are afforded.1. CoverageAvailable to Private Passenger AutomobilesOnly.2. RatingRefer to the applicable Rate Pages for options<strong>and</strong> rates.3. EndorsementAttach the Towing <strong>and</strong> Labor CostsCoverage endorsement PP 03 03.G. Excess Electronic Equipment Coverage1. CoverageElectronic equipment that reproduces, receivesor transmits audio, visual or datasignals which is permanently installed in thevehicle at the time of loss, is automaticallycovered under the policy without additionalpremium charge. Such equipment includes,but is not limited to:a. Radios <strong>and</strong> Stereos;b. Tape Decks;c. Compact Disk Systems;d. Navigation Systems;e. Internet Access Systems;f. Personal Computers;g. Video Entertainment Systemsh. Telephones;i. Televisions;j. Two-way Mobile Radios;k. Scanners; orl. Citizens B<strong>and</strong> Radios.However, electronic equipment that reproduces,receives or transmits audio, visual ordata signals which is permanently installed inlocations not used by the vehicle manufacturerfor installation of such equipment, issubject to a sublimit of $1,000. This sublimitmay be increased to any one of the limitsshown in our Exception Pages.1-1-2<strong>01</strong>1 PA-15 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 12.Miscellaneous Coverages (cont’d)2. RatingRefer to Exception Pages for rates.3. EndorsementAttach the Coverage for Excess ElectronicEquipment endorsement PP 03 13 to thepolicy.NOTECoverage is not available for radar or laserdetectors.H. Tapes, Records, Disks And Other MediaCoverage1. Additional coverage for $200 worth of tapes,records, disks <strong>and</strong> other media applies at noadditional charge when coverage is providedfor increased limits for excess electronicequipment.2. Tapes, Records, Disks And Other MediaOnlyWhen coverage is not provided for increasedlimits for excess electronic equipment,coverage for $200 worth of tapes, records,disks <strong>and</strong> other media is available for anadditional charge. Refer to the ExceptionPages for the premium per auto. Theprovisions of Rule 4. Classifications do notapply for this coverage.3. EndorsementAttach the Excess Electronic EquipmentCoverage endorsement PP 03 13 to thepolicy.I. Customized Vans <strong>and</strong> PickupsWhen Comprehensive <strong>and</strong>/or Collision coveragesare afforded to a van or pickup, any customizedequipment is included <strong>and</strong> is not subjectto any additional premium charge.J. Auto Loan/Lease Coverage1. EligibilityA policy providing both collision <strong>and</strong> comprehensivecoverage may be extended toprovide coverage for the difference betweenthe outst<strong>and</strong>ing indebtedness on a loan/leaseagreement on a vehicle, <strong>and</strong> the actual cashvalue of the vehicle, subject to the following:a. Auto Loan/Lease Coverage may be providedonly to a vehicle that is a privatepassenger auto, pickup or van; <strong>and</strong>b. The insured must request the autoloan/lease coverage within 30 days ofleasing or financing a vehicle.2. <strong>Rates</strong>Refer to the Exception Pages for the rates.3. EndorsementAttach the Auto Loan/Lease Coverage endorsementPP 03 35 to the policy.K. Stated Amount Comprehensive CoverageREFER TO COMPANY BEFORE COVERAGEMAY BE BOUNDTo be eligible for Stated Amount ComprehensiveCoverage, the vehicle should be over 15 yearsold <strong>and</strong> have a real value equal to the amount ofinsurance purchased. If the vehicle has beenaltered or converted, full information must besubmitted to <strong>Western</strong> <strong>National</strong> to determine acceptability.Coverage for Stated Amount Comprehensivemay not be bound. A PHOTOGRAPH <strong>and</strong> AP-PRAISAL of the auto MUST ACCOMPANY allsubmissions requesting this coverage. All losseswill be settled on a basis of Actual Cash Value.Coverage is not provided on an “agreed value”basis.Stated amount collision coverage is not available.If collision coverage is desired, losses willbe settled on a basis of Actual Cash Value <strong>and</strong>premium will be determined by assigning asymbol <strong>and</strong> age in accordance with the rules inthis manual.Minimum deductibles of $100 comprehensive<strong>and</strong> $250 collision may be required.Attach the Coverage For Damage to Your Auto(Stated Amount Maximum Limit of Liability) endorsementPP 03 08.Refer to the applicable Exception Pages forrates.1-1-2<strong>01</strong>0 PA-16 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 12.Miscellaneous Coverages (cont’d)L. Trip Interruption Coverage1. DescriptionThis coverage is available only for vehicles towhich Collision <strong>and</strong> Other Than Collisioncoverages are afforded.Trip Interruption Coverage provides:a. Transportation expenses incurred in theevent of a mechanical or electricalbreakdown of a specified auto.b. Expenses incurred for lodging <strong>and</strong> mealsin the event of a covered physicaldamage loss or mechanical or electricalbreakdown of a specified auto.2. RatingRefer to the Exception Pages for the annualrate per auto.All premiums apply for the period of coverage.The provisions of Rule 4. Classifications donot apply to the rates for this coverage.3. EndorsementAttach the Trip Interruption Coverage endorsementPP 13 02 to the policy.M. New Vehicle Replacement Cost Coverage1. If a vehicle is endorsed with this coverage,the Limit of Liability provisions for Part D.,Coverage For Damage To Your Auto, arechanged from Actual Cash Value toReplacement Cost for losses caused byother than fire, theft, or larceny.The Limit of Liability for other than theselosses will be the lesser of the reasonablecost of repair with parts of like kind <strong>and</strong>quality, or the cost of a new vehicle of thesame make, if possible; similar vehicle sizeclass; <strong>and</strong> similar body type <strong>and</strong> equipmentas the damaged vehicle, less the applicabledeductible.2. Eligibilitya. The automobile must be a new (has notbeen previously titled under the motorvehicle laws of any state) privatepassenger auto, pickup or van insured onthe Personal Auto Policy;b. The vehicle is less than 2 years old <strong>and</strong>has less than 24,000 miles;c. The insured must request the NewVehicle Replacement Cost Coveragewithin 30 days of purchasing the newvehicle;d. The automobile must carry bothcomprehensive <strong>and</strong> collision coverages,unless auto is in storage;e. This coverage is not available for classicor antique automobiles, motor homes, orvehicles with values in excess of$70,000;f. This coverage must be maintained continuouslyon the vehicle. This coveragecannot be reinstated once it has beendiscontinued.g. If this coverage is currently being providedby another carrier <strong>and</strong> the insuredwishes to continue this coverage undertheir <strong>Western</strong> <strong>National</strong> policy, the vehiclemust meet all above eligibility requirements<strong>and</strong> the age of the vehiclemust not be more than 2 model yearsold.3. RatingThe premium for this endorsement is 15% ofthe final comprehensive <strong>and</strong> collisionpremiums.4. EndorsementAttach the New Vehicle Replacement CostCoverage endorsement WN PP 31 to thepolicy.1-1-2<strong>01</strong>0 PA-17 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 12.Miscellaneous Coverages (cont’d)N. Pet Injury Coverage1. Coverage is provided for reasonableveterinarian costs <strong>and</strong> expenses incurred forthe treatment or death of domestic dogs <strong>and</strong>cats owned by the policyholder or a familymember, <strong>and</strong> arising from a collisioninvolving a covered auto. Coverage onlyapplies if the pet is injured while inside acovered auto. Limits of $500 per pet <strong>and</strong>$1500 total apply per collision. There is nocharge for this coverage.Attach the Pet Injury Limited CoverageEndorsement, WN PP 36, to the policy.Rule 13.Named Non-Owner CoverageREFER TO COMPANYA. EligibilityThe Named Non-Owner Coverage endorsementmay be used for an individual who does not ownan auto but drives borrowed or rented autos.Coverage may also be extended to the spouseor a party who has entered into a domesticpartnership with the named individual as definedin Rule 2.A.2.b. <strong>and</strong> resident relatives of thatnamed individual.a. Exclusions for vehicles furnished or availablefor regular use apply:Person(s) NamedPercentageChargedNamed Individual 40%Named Individual <strong>and</strong> Resident Relatives(including Named Individual’s Spouse orparty who has entered into a domesticpartnership as defined in Rule 2.A.2.b.)60%b. Exclusions for vehicles furnished or availablefor regular use do NOT apply:Person(s) NamedPercentageChargedNamed Individual 60%Named Individual <strong>and</strong> Resident Relatives(including Named Individual’s Spouse orparty who has entered into a domesticpartnership as defined in Rule 2.A.2.b.)2. Uninsured Motorists Coverage80%Charge the Single Car Uninsured MotoristsCoverage rate that would apply if such individualowned an auto.3. Underinsured Motorist CoverageCharge the Single Car Underinsured MotoristsCoverage rate that would apply if such individualowned an auto.C. EndorsementAttach the Named Non-Owner Coverage endorsementPP 03 22 to the policy.B. Rating1. Liability <strong>and</strong> Medical Payments CoverageCharge the following percentage of the applicablepremiums that would apply if thenamed individual owned an auto, using thepremium determination procedures set forthin Rule 3. Premium Determination.1-1-2<strong>01</strong>0 PA-18 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 14.Extended Non-Owned CoverageA. EligibilityThe Extended Non-Owned Coverage endorsementmay be used for an individual who owns anauto but also drives borrowed or rented autos.Coverage may also be extended to the spouse ora party who has entered into a domesticpartnership with the named individual as definedin Rule 2.A.2.b <strong>and</strong> resident relatives of thatnamed individual.B. CoverageThe Personal Auto Policy (PAP) may be extendedto cover the following liability exposures:1. Vehicles Furnished Or Available For RegularUse Except As Public Or Livery ConveyancesUnder the liability coverage section of thePAP, coverage is not provided for non-ownedvehicles furnished or available for regularuse. By choosing liability coverage under theExtended Non-Owned Coverage – VehiclesFurnished Or Available For Regular Useendorsement, liability coverage affordedunder the basic PAP may be extended tocover vehicles furnished or available forregular use except vehicles furnished for useas public or livery conveyances.2. Vehicles Furnished Or Available For Use AsPublic Or Livery ConveyancesREFER TO COMPANY – DO NOT BINDUnder the liability coverage section of thePAP, coverage is not provided for non-ownedvehicles furnished or available for use aspublic or livery conveyances. By choosingliability coverage under the Extended Non-Owned Coverage – Vehicles Furnished OrAvailable For Use As Public Or LiveryConveyances endorsement, liability coverageafforded under the basic PAP may beextended to cover this exposure.Primary liability insurance must be in effectfor any non-owned vehicles furnished oravailable for use as public or livery conveyances.3. If liability coverage is extended under theExtended Non-Owned Coverage – VehiclesFurnished Or Available For Regular Useendorsement or the Extended Non-OwnedCoverage – Vehicles Furnished Or AvailableFor Use As Public Or Livery Conveyancesendorsement, Medical Payments coveragemay also be similarly extended.If medical payments insurance is provided,primary medical payments insurance mustbe in effect for any non-owned vehicles furnishedor available for use as public or liveryconveyances.C. RatingLiability <strong>and</strong> Medical Payments CoverageCharge the following percentage of the applicablepremiums that would apply as if the insuredowned the auto being covered, using thepremium determination procedures set forth inRule 3. Premium Determination:1. Vehicles Furnished Or Available For Regular UseExcept Vehicles Furnished For Use As Public OrLivery ConveyancesPrimary Liability/Medical Payments <strong>Insurance</strong> In EffectPercentagePerson(s) NamedChargedNamed Individual 12%Named Individual <strong>and</strong> Resident Relatives(including Named Individual’s Spouse or party13%who has entered into a domestic partnershipas defined in Rule 2.A.2.b.)No Primary Liability/Medical Payments <strong>Insurance</strong> In EffectPercentagePerson(s) NamedChargedNamed Individual 90%Named Individual <strong>and</strong> Resident Relatives(including Named Individual’s Spouse or party100%who has entered into a domestic partnershipas defined in Rule 2.A.2.b.)2. Vehicles Furnished Or Available For Use AsPublic Or Livery ConveyancesPrimary Liability/Medical Payments <strong>Insurance</strong> In EffectPercentagePerson(s) NamedChargedNamed Individual 50%Named Individual <strong>and</strong> Resident Relatives(including Named Individual’s Spouse or party60%who has entered into a domestic partnershipas defined in Rule 2.A.2.b.)1-1-2<strong>01</strong>0 PA-19 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 14.Extended Non-Owned Coverage (cont'd)D. EndorsementsAttach the:1. Extended Non-Owned Coverage – VehiclesFurnished Or Available For Regular Useendorsement PP 03 06; or2. Extended Non-Owned Coverage – VehiclesFurnished Or Available For Use As Public OrLivery Conveyances endorsement PP 13 05.Rule 15.Increased LimitsA. Liability Increased LimitsRefer to the applicable Exception Pages to determinethe factors to be applied to the appropriatebasic limits rates for Bodily Injury <strong>and</strong> PropertyDamage Liability.B. Medical Payments Increased LimitsMedical Payments coverage for limits greaterthan the base limits may be afforded. Refer to theapplicable Exception Page for the additionalpremiums.Rule 16.Miscellaneous TypesA. Motor HomesA motor home is a self-propelled motor vehiclewith a living area that is an integral part of thevehicle chassis, or a pickup with a permanentlyattached camper body. The living area or camperbody typically consists of facilities for cooking,dining, sleeping, plumbing <strong>and</strong> refrigeration.Attach the Miscellaneous Type Vehicle PP 03 23<strong>and</strong> the Miscellaneous Type Vehicle Amendment(Motor Homes) PP 03 28 endorsements to thepolicy.1. Liability <strong>and</strong> Medical PaymentsRate as private passenger autos with aclass factor of 0.50.2. Uninsured And Underinsured MotoristsCoverageRate as private passenger autos with a classfactor of 1.00.3. Physical DamageDetermine the value, including the value ofany additional facilities or equipment. Additionalfacilities or equipment may includecooking, dining, sleeping, plumbing, or refrigerationfacilities, rooftop air conditioners,awnings, cabanas, or other equipment designedto be used with the motor home.a. Assign a symbol based on the statedamount using the table provided in Rule11. Price/Symbol Chart correspondingto the model year of the motor home.Refer to the Rate Pages to determine baserates for the appropriate symbol <strong>and</strong> modelyear of the motor home.b. Charge 35% of the base rates calculatedin a.c. For custom built Motor Homes, themodel year of the chassis determines themodel year of the motor home.4. Covered Property CoverageWhen Comprehensive <strong>and</strong>/or Collisioncoverages are afforded to the vehicle, coveragewill be afforded to covered propertywhile it is in or attached to the vehicle shownin the declarations. “Covered property"means TV antennas, awnings, <strong>and</strong> cabanasor equipment designed to create additionalliving facilities.5. Rental Coverage - Refer To CompanyLiability, Medical Payments, Comprehensive<strong>and</strong> Collision Coverage may be extended toapply while a motor home is rented to others.To determine the additional premium, applythe following factor separately to theotherwise applicable Motor Home coveragepremium.Number of WeeksRented per Year1-4Over 4Factor.5<strong>01</strong>.0<strong>01</strong>-1-2<strong>01</strong>0 PA-20 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 16.Miscellaneous Types (cont'd)B. Trailers <strong>and</strong> Camper Bodies Designed for Usewith Private Passenger Autos <strong>and</strong> Pickups1. LiabilityA Personal Auto Policy affording liabilitycoverage covers trailers designed for usewith a private passenger auto, pickup or van,<strong>and</strong> camper bodies designed for use with apickup without additional premium charge<strong>and</strong> without specific description of the traileror camper body.ExceptionsCoverage is not provided for a trailer orcamper body:(1) Used for business purposes, or(2) When no auto is owned by the insured.2. Medical PaymentsA Personal Auto Policy affording medicalpayments coverage covers trailers designedfor use with a private passenger auto, pickupor van, <strong>and</strong> camper bodies designed for usewith a pickup, without additional premiumcharge <strong>and</strong> without specific description of thetrailer or camper body.ExceptionsCoverage is not provided for a trailer orcamper body:(1) Used for business purposes,(2) When no auto is owned by the insured,or(3) Located for use as a residence orpremises.3. Liability And Medical PaymentsLiability <strong>and</strong> Medical Payments Coverage isafforded without additional premium chargefor farm wagons <strong>and</strong> farm implements whenattached to a private passenger auto, pickupor van.4. Physical DamageTrailers <strong>and</strong> camper bodies are to be insuredas separate items with separate premiumsshown for each unit. The deductible appliesseparately to each unit. Attach the applicableendorsement.NOTECoverage is not provided on an “agreedvalue” basis.5. Recreational Trailers <strong>and</strong> Camper Bodiesa. A recreational trailer is a non-self-propelledrecreational unit equipped as livingquarters, including cooking, dining,sleeping, plumbing or refrigerationfacilities.b. A camper body is a non-self-propelledunit designed to be transported by apickup, with or without cooking, dining,sleeping, plumbing or refrigeration facilities.To be eligible for coverage, the insured mustmaintain a separate <strong>and</strong> permanentresidence other than the recreational traileror camper body.Comprehensive <strong>and</strong> Collision - Use MotorHome rates. Refer to Rule 16.A.3.Covered Property Coverage - Refer to16.A.4.6. All Other TrailersFor rates, refer to the applicable ExceptionPages.NOTESnowmobile <strong>and</strong> boat trailers are to be insuredunder the Homeowner Program.C. Motorcycles, Mopeds, Motorscooters <strong>and</strong>MotorbikesREFER TO SPEC<strong>IA</strong>LTY MARKETSD. SnowmobilesREFER TO HOMEOWNERS PROGRAM3-1-2<strong>01</strong>1 PA-21 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 16.Miscellaneous Types (cont’d)E. All-Terrain VehiclesREFER TO SPEC<strong>IA</strong>LTY MARKETSF. Dune Buggies / Kit CarsREFER TO SPEC<strong>IA</strong>LTY MARKETSG. Golf Carts (licensed for road use)A golf cart is a three or four wheel motor vehiclewith limited speed capabilities designed to carrygolfers <strong>and</strong> their equipment around a golf course.Attach the Miscellaneous Type Vehicle endorsementPP 03 23.1. LiabilityCharge 25% of the Private Passenger baserate.2. Physical DamageRefer to the appropriate Exception Pages.H. Classic <strong>and</strong> Antique AutosCoverage NOT available - DO NOT BINDREFER TO SPEC<strong>IA</strong>LTY MARKETSRule 17.Rating TerritoriesRule 17. is replaced by the following:A. The Rate Pages display rates by territory.B. A rating territory is a geographical area defined interms of U.S. Postal Service (USPS) ZIP codes,as shown on the Territory Definitions Pages.1. Determine the applicable rating territorybased on the ZIP code of the location ofprincipal garaging of the vehicle. If the ZIPcode of the mailing address differs from theZIP code of the location of principal garaging,use the ZIP code of the garaging location toassign the rating territory.2. As ZIP code boundaries are changed by theUSPS, a new ZIP code may be created. Ifthis new ZIP code is not yet listed in theTerritory Definitions, use the ZIP code thatformerly applied to the risk before the ZIPcode boundaries were changed in order todetermine the rating territory for a risk locatedin the new ZIP code.3. Future USPS Zip code changes will be reflectedin ISO’s territory definitions in accordancewith the ISO ZIP Code Territorymaintenance procedures on the file with the<strong>Insurance</strong> Department. Manual pages will beupdated on a regular basis to reflect futureZIP code changes.Rule 18.<strong>Insurance</strong> Score DiscountThe highest insurance score of a Named Insured,spouse, or parent of a single youthful receiving the FamilyDiscount (if a resident of the same household) shalldetermine the <strong>Insurance</strong> Score Discount that applies tothe policy premium. An insurance score shall be reorderedevery year, <strong>and</strong> any change in the discount shallbe applied upon renewal. In the event of a reduction ofthe insurance score upon reordering, tier reassignmentshall be limited to a maximum of two tiers. If a revisedinsurance score is reported to the Company resultingfrom a discrepancy or error in the insured’s credit history,the discount will be revised with the adjusted premiumeffective at inception of the new or renewal policy.<strong>Insurance</strong>Tier Score DiscountE2 816 & Over 45%E1 777 – 815 40%V2 749 – 776 35%V1 716 – 748 30%G2 696 – 715 25%G1 668 – 695 19%A2 638 – 667 13%A1 602 – 637 7%S2 559 – 6<strong>01</strong> 5%S1 558 & Below 0%If no insurance score is available, the <strong>Insurance</strong> ScoreDiscount will not apply.3-1-2<strong>01</strong>1 PA-22 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualHIGH PERFORMANCE, SPORTS, EXOTIC AND OTHER CARSREQUIRING SPEC<strong>IA</strong>L CONSIDERATIONThis list is provided for your guidance. Due to the introduction of new models <strong>and</strong> the existence of limited production models,these lists are not all inclusive. Vehicles with characteristics similar to these listed shall also be subject to underwritingconsideration.Underwriting factors taken into consideration include but are not limited to:- whether the vehicle is new business or existing business - type of vehicle- age of operators - violation-accident experience- age of vehicle - use of vehicleShould <strong>Western</strong> <strong>National</strong> agree to provide coverage, the rating for the vehicle will be determined <strong>and</strong> the underwriting factorstaken into consideration.A.C. COBRAABARTHABARTHFiatACURA3.2 CL TypesNSXNSX-TALFA ROMEROSpiderSpider VeloceALPINEAUDIQuattroARNAT BRISTOLASAASTON-MARTINAUSTIN-HEALYAVANTIBAJA BUGBENTLEYBIOLABIZZAVINIBMW 540 & 540I850I & 850CIM3, M5, Z3, & Z8BRICKLINBUICKReattaCADILLACAllanteDeville ConcoursEldorado & ETCSeville STSCASTINCHEVROLETBerettaCamaroCamaro Z28Cavalier Z24ChevelleCorvetteImpalaNovaCHRYSLERTCCITROENCLINETCONCEPTDATSUN240Z260Z280Z280ZX300ZXPulsarDELOREANDETOMASODODGEChargerConquestDartDaytonaDemonShelby AmericanShelby CobraSpirit R/TStealthSuper BeeViperDUAL GH<strong>IA</strong>EAGLETalonEXCALIBERFERRARIF<strong>IA</strong>T1248502000 SpiderX19FORDExpF150 SVT LightningMustangMustang CobraProbeTorino "Cobra Jet"GTMHONDACRXDel SolPreludeS2000HYUNDAIScoupeISOITAL<strong>IA</strong>JAGUARJEEPCJ5CJ7JENSEN/JENSENHEALYLEXUSGS400LS400SC400LINCOLN Mark VII &VIIILOTUSElanEsprit TurboMASERATIMANGUSTAMARCOSMAT<strong>IA</strong>MAZDAMiataMX-3MX-6RX-7MERCEDES BENZMERCURYCapriCycloneMERKURXR4TMGMGCMGNMITSUBISHI3000GTEclipseStarion LS TurboMONTIVERDIMORGANNISSAN200SX240SX300ZXNXPulsarOLDSMOBILE442OPELOTISPANTERAPINNINFARINA<strong>PL</strong>YMOUTHBarraducaDusterGTXLaserProwlerRoadrunnerPONT<strong>IA</strong>CFieroFirebirdFirebird FormulaGTOLemans ColonadoTrans AmPORSCHEROLLS ROYCESAAB900 Turbo9000 TurboGrantunisanoSonnettSEPTISTURZBLACKHAWKSUBARUSVX LSXT GLXT6SUNBEAMSUZUKISamuraiTOYOTACelicaMR2/MR2 SpyderPaseoSupraTRIUMPHTVRVOLKSWAGENCorradoSciroccoVOLVO1-1-2<strong>01</strong>0 PA-23 General RulesIncludes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPersonal Automobile Manual Iowa (14)Forms <strong>and</strong> EndorsementsFormEndorsementPP 00 <strong>01</strong>PP 03 <strong>01</strong>PP 03 02PP 03 03PP 03 05PP 03 06PP 03 07PP 03 08PP 03 13PP 03 19PP 03 22PP 03 23PP 03 28PP 03 35PP 04 60PP 04 85PP 13 <strong>01</strong>PP 13 02PP 13 03PP 13 05PP 13 26WN IL 07WN IL 43WN PP 03WN PP 11WN PP 13WN PP 27WN PP 30WN PP 31WN PP 36WN PP 43WN PP 45TitlePersonal Auto PolicyFederal Employees Using Autos In Government BusinessOptional Limits Transportation Expenses CoverageTowing And Labor Costs CoverageLoss Payable ClauseExtended Non-Owned Coverage – Vehicles Furnished Or Available For Regular UseTrailer/Camper Body Coverage (Maximum Limit Of Liability)Coverage For Damage To Your Auto (Maximum Limit Of Liability)Excess Electronic Equipment CoverageAdditional Insured – LessorNamed Non-Owner CoverageMiscellaneous Type Vehicle EndorsementMiscellaneous Type Vehicle Amendment (Motor Homes)Auto Loan/Lease CoverageUninsured Motorists Coverage – Iowa (Non-Stacked)Underinsured Motorists Coverage – Iowa (Non-Stacked)Coverage For Damage To Your Auto Exclusion EndorsementTrip Interruption CoverageTrust EndorsementExtended Non-Owned Coverage – Vehicles Furnished Or Available For Use AsPublic Or Livery ConveyancesJoint Ownership Coverage - IowaCommon Loss DeductibleJoint <strong>and</strong> Individual InterestsAmendment To Part D – Coverage For Damage To Your AutoWage Loss Option FormPunitive Damages ExclusionHighway Emergency Loss ProtectionDesignated InsuredNew Vehicle Replacement Cost CoveragePet Injury Limited Coverage EndorsementFull Safety Glass CoverageAmendment Of Policy Provisions - Iowa7-1-2<strong>01</strong>0 <strong>IA</strong>-PA-F-1 Forms & Endorsements
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong>Semi-Annual <strong>Rates</strong> Personal Automobile Manual Iowa (14)Exception PagesRule 3.Premium DeterminationSymbol FactorsModel Year 2<strong>01</strong>0 <strong>and</strong> PriorModel Years 1989 & Prior Comprehensive Collision Model Years 1990 & LaterSymbol Factor Factor Symbol1-6 0.38 0.62 17 0.49 0.70 2- 0.59 0.77 38 0.67 0.82 4- 0.75 0.86 510 0.84 0.90 6- 0.92 0.95 711 1.00 1.00 8- 1.09 1.05 1<strong>01</strong>2 1.20 1.10 11- 1.31 1.15 1213 1.43 1.21 13- 1.56 1.28 1414 1.72 1.37 15- 1.87 1.44 1615 2.02 1.52 17- 2.16 1.60 1816 2.34 1.68 19- 2.54 1.76 2<strong>01</strong>7 2.77 1.84 2118 3.06 1.94 2219 3.37 2.05 2320 3.83 2.21 2421 4.49 2.46 2522 5.17 2.71 2623 6.74 3.14 2724 8.31 3.57 2825 9.88 4.00 2926 11.45 4.44 3027 13.<strong>01</strong> 4.87 3128 14.58 5.30 327-1-2<strong>01</strong>0 <strong>IA</strong>-PA-E-1 Exception PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong>Semi-Annual <strong>Rates</strong> Personal Automobile Manual Iowa (14)Exception PagesSymbol FactorsModel Year 2<strong>01</strong>1 <strong>and</strong> SubsequentSymbolComprehensiveFactorCollisionFactorSymbolComprehensiveFactorCollisionFactor1 0.31 0.44 39 2.45 1.722 0.38 0.55 40 2.52 1.753 0.47 0.67 41 2.58 1.774 0.58 0.77 42 2.65 1.805 0.66 0.82 43 2.71 1.826 0.73 0.85 44 2.78 1.847 0.81 0.88 45 2.84 1.868 0.87 0.92 46 2.91 1.8910 0.94 0.96 47 2.99 1.9211 1.00 1.00 48 3.07 1.9412 1.06 1.03 49 3.15 1.9713 1.11 1.06 50 3.22 2.0<strong>01</strong>4 1.16 1.08 51 3.30 2.0315 1.22 1.11 52 3.38 2.0516 1.27 1.13 53 3.45 2.0817 1.33 1.16 54 3.57 2.1218 1.39 1.19 55 3.72 2.1719 1.44 1.22 56 3.88 2.2320 1.49 1.24 57 4.04 2.2921 1.54 1.27 58 4.29 2.3922 1.59 1.30 59 4.62 2.5123 1.64 1.33 60 4.96 2.6324 1.69 1.35 61 5.31 2.7825 1.74 1.38 62 5.67 2.9626 1.78 1.40 63 6.04 3.1327 1.83 1.42 64 6.41 3.3128 1.88 1.45 65 6.77 3.4829 1.92 1.47 66 7.32 3.7430 1.97 1.50 67 8.06 4.0931 2.02 1.52 68 8.79 4.4432 2.06 1.54 69 9.52 4.7933 2.10 1.57 70 10.26 5.1334 2.15 1.59 71 11.00 5.4835 2.19 1.61 72 11.74 5.8336 2.25 1.64 73 12.48 6.1837 2.32 1.67 74 13.22 6.5338 2.39 1.70 75 13.96 6.887-1-2<strong>01</strong>0 <strong>IA</strong>-PA-E-2 Exception PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong>Semi-Annual <strong>Rates</strong> Personal Automobile Manual Iowa (14)Exception PagesRule 12.Miscellaneous CoveragesSection A. is replaced by the following:A. Uninsured Motorists Coverage – Non-Stacked1. OwnersThis form of auto insurance shall be affordedunder every auto liability policy issued or deliveredto the owner of a motor vehicle registeredor principally garaged in Iowa.If this form of insurance is purchased it mustapply to all vehicles on the policy.a. The named insured has the right to rejectUninsured Motorists Coverage by signedwritten rejection. If there is more than onenamed insured shown in the Declarations,each named insured must reject thecoverage in writing.b. Subsequent renewal policies issued by thesame insurer need not provide the rejectedcoverage.c. Basic LimitsThe rates shown on the Rate Pages are theminimum limits available.Attach Uninsured Motorist Coverageendorsement.d. Increased LimitsIncreased Limits may be afforded but maynot be in excess of the Bodily Injury Liabilitylimits on the policy. <strong>Rates</strong> are shown on theRate Pages.e. <strong>Rates</strong>The rates are not subject to classificationrating or modification by any rating plan <strong>and</strong>are displayed on the appropriate RatePages.2. Non-OwnersIf a named non-owner policy is extended toafford Uninsured Motorists coverage, the rate forsuch extension of coverage shall be theapplicable single car rate shown on theappropriate Rate Pages for Uninsured Motorist.Section B. 1. is replaced by the following:B. Underinsured Motorists Coverage – Non-Stacked1. Ownersa. Underinsured Motorists Coverage – Non-StackedThis form of auto insurance must beprovided under every auto liability or motorvehicle liability policy insuring the owner of amotor vehicle registered or principallygarage in Iowa.The named insured has the right to rejectUnderinsured Motorists Coverage by signedwritten rejection. If there is more than onenamed insured shown in the Declarations,each named insured must reject thecoverage in writing.Subsequent renewal policies issued by thesame insurer need not provide the rejectedcoverage.b. If Underinsured Motorists Coverage isprovided:(1) The Underinsured Motorists limitprovided may not be in excess of theBodily Injury Liability Limits on thepolicy.(2) The coverage shall apply, at the samelimits, to all vehicles insured in thepolicy.(3) If Uninsured Motorists Coverage is alsoprovided, both coverages shall beprovided at the same limits.(4) Attach the applicable endorsement.1-1-2<strong>01</strong>3 <strong>IA</strong>-PA-E-3 Exception PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong>Semi-Annual <strong>Rates</strong> Personal Automobile Manual Iowa (14)Exception PagesRule 12.Miscellaneous Coverages (cont'd)C. Deductible <strong>Insurance</strong>2. Comprehensive Deductible FactorsApply the following factors to the $250Deductible Comprehensive Premium:$ 250 Deductible = 1.00$ 500 Deductible = .85$ 1000 Deductible = .663. Collision Deductible FactorsApply the following factors to the $250Deductible Collision Premium:$ 250 Deductible = 1.00$ 500 Deductible = .90$ 1000 Deductible = .755. Deductible Comprehensive With Full CoverageFor Safety GlassDeductible Comprehensive including Full Coveragefor the repair or replacement of damagedsafety glass is available at the option of the insured.Attach Full Safety Glass Coverage endorsementWN PP 43.Charge is based on a percent of the comprehensivepremium. Please refer to the appropriateRate Pages for the correct percentagebased on the comprehensive deductible.NOTEFor the purpose of clarifying the “Full SafetyGlass Endorsement”, Safety glass is defined astempered or laminated glass that surrounds thepassenger compartment for the protection of theoccupants of the vehicle. This would includewindshields, door glass, side glass, back glass,T-tops, etc. This does not include headlights, taillights, cornering lights, etc., which may qualifyas glass under the comprehensive portion of thepolicy.D. Highway Emergency Loss Protection (HELP)This rule is amended as follows:2. Charge $18 per auto to which this endorsementapplies.E. Optional Limits Transportation ExpensesCoverage (Rental Reimbursement)This rule is amended as follows:1. The $30/$900 limit for Transportation ExpensesCoverage may be increased to $40/1200 or$50/$1500.G. 2. Increased Limits for ExcessElectronic EquipmentMaximum Limit ofLiability For ExcessElectronic EquipmentSemi-AnnualPremium$ 1,500 $ 202,000 352,500 503,000 653,500 804,000 954,500 1105,000 1255,0<strong>01</strong> & Over Refer to CompanyH. Tapes, Records, Disks <strong>and</strong> Other Media OnlyAmount ofCoverageRate Per Auto$ 200 $ 5J. Auto Loan/Lease CoverageCharge 7% of both the Comprehensive <strong>and</strong> CollisionCoverages manual rates.K. Stated Amount Comprehensive CoverageREFER TO COMPANY BEFORE BINDINGDeductible Rate per $100$ 250 Deductible .86$ 500 Deductible .73$ 1,000 Deductible .57Stated Amount Collision Coverage-Not AvailableAntique, collector <strong>and</strong> modified vehicles should beplaced with the specialty markets.L. Trip Interruption CoverageCharge $6 per auto that this endorsement applies to.1-1-2<strong>01</strong>1 <strong>IA</strong>-PA-E-4 Exception PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong>Semi-Annual <strong>Rates</strong> Personal Automobile Manual Iowa (14)Exception PagesRule 15.Increased LimitsA. Liability Increased Limits TablesThe following tables contain the factors to be appliedto the basic $20,000/40,000 Bodily Injury Liabilityrate, <strong>and</strong> the $15,000 Property Damage Liability ratein the State of Iowa.1. $20,000/40,000 Bodily Injury Liability IncreasedLimits TableLimitFactor$ 20/40 1.0025/50 1.0850/100 1.35100/200 1.65100/300 1.66250/500 2.09300/300 2.15500/500 2.202. $15,000 Property Damage Liability IncreasedLimits TableLimitFactor$ 15,000 1.0020,000 1.0325,000 1.0650,000 1.13100,000 1.18150,000 1.22200,000 1.25250,000 1.27500,000 1.32B. Medical Payments Increased LimitsThe following table contains the additional premiumto be added to the basic $1,000 Medical PaymentsCoverage limit rate:LimitPremium$ 2,000 35,000 810,000 1125,000 1650,000 19Rule 18.<strong>Insurance</strong> Score DiscountThe highest insurance score of a Named Insured,spouse, or parent of a single youthful receiving theFamily Discount (if a resident of the same household)shall determine the <strong>Insurance</strong> Score Discount thatapplies to the policy premium. An insurance score shallbe reordered every year, <strong>and</strong> any change in the discountshall be applied upon renewal. In the event of areduction of the insurance score upon reordering, tierreassignment shall be limited to a maximum of two tiers.If a revised insurance score is reported to the Companyresulting from a discrepancy or error in the insured’scredit history, the discount will be revised with theadjusted premium effective at inception of the new orrenewal policy.<strong>Insurance</strong>Tier Score DiscountE2 816 & Over 40%E1 777 – 815 36%V2 749 – 776 33%V1 716 – 748 29%G2 696 – 715 25%G1 668 – 695 20%A2 638 – 667 16%A1 602 – 637 11%S2 559 – 6<strong>01</strong> 6%S1 558 & Below 0%If no insurance score is available, the insured will beplaced in the G2 tier.Employee DiscountA discount of 14% will be applied to the total policypremium for each policy written in the name of a personwho is:• Employed by <strong>Western</strong> <strong>National</strong> for a period of atleast 90 days <strong>and</strong> works 20 hours or more a week;• Formally retired from <strong>Western</strong> <strong>National</strong> inaccordance with company retirement eligibilityst<strong>and</strong>ards;• A <strong>Western</strong> <strong>National</strong> board member (immediately atthe time of their confirmation); or• A retired <strong>Western</strong> <strong>National</strong> board member with atleast 6 years of service.7-1-2<strong>01</strong>0 <strong>IA</strong>-PA-E-5 Exception PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong>Personal Automobile Manual Iowa (14)Class Plan PagesNO YOUTHFUL OPERATOROperator AgeOperator Age 30-39Operator Age 40-49Operator Age 50-64Operator Age 65-74Operator Age 75-79Operator Age 80-84Operator Age 85 or OverPleasureUseDRIVE TO OR FROM WORKLess than15 Miles15 orMore MilesBusinessUseFarmUseFactor 0.95 1.00 1.10 1.15 0.80Code 8161-- 8162-- 8163-- 8168-- 8169--Factor 0.87 0.92 1.02 1.07 0.72Code 8151-- 8152-- 8153-- 8158-- 8159--Factor 0.80 0.85 0.95 1.00 0.65Code 8851-- 8852--- 8853-- 8858-- 8859--Factor 0.95 1.00 1.10 1.15 0.80Code 88<strong>01</strong>-- 8802-- 8803-- 8808-- 8809--Factor 1.15 1.20 1.30 1.35 1.00Code 8121-- 8122-- 8123-- 8128-- 8129--Factor 1.20 1.25 1.35 1.40 1.05Code 8141-- 8142-- 8143-- 8148-- 8149--Factor 1.25 1.30 1.40 1.45 1.10Code 82<strong>01</strong>-- 8202-- 8203-- 8208-- 8259--ALL OTHER OPERATORS AGE 25-29:All Other OperatorsFactor 1.00 1.05 1.15 1.20 0.85Age 25-29Code 83<strong>01</strong>-- 8302-- 8303-- 8308-- 8459--EXCESS AUTOS:Excess Autos 1Excess Autos 2(All Operators 40-74)Factor 0.95Code 8990--Factor 0.80Code 8980--1-1-2<strong>01</strong>3 <strong>IA</strong>-PA-C-1 Class Plan PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong>Personal Automobile Manual Iowa (14)Class Plan PagesPRIMARY CLASSIFICATIONSRATING FACTORS AND STATISTICAL CODESYOUTHFUL OPERATORAGE17 or Less18WITH OR WITHOUTDRIVER TRAINING192021 thru 24WITH OR WITHOUTDRIVER TRAINING25 thru 29UNMARRIED MALE – NOT ELIGIBLE FOR GOOD STUDENT CREDITNot Owner or Principal Operator Owner or Principal OperatorPleasure Useor Farm UseDrive to Workor Business UsePleasure Useor Farm UseDrive to Workor Business UseFactor 2.35 2.50 3.10 3.25Code 8460-- 8463-- 8660-- 8663--Factor 2.30 2.45 3.05 3.20Code 8470-- 8473-- 8670-- 8673--Factor 2.25 2.40 3.00 3.15Code 8480-- 8483-- 8680-- 8683--Factor 2.20 2.35 2.95 3.10Code 8490-- 8493-- 8690-- 8693--Factor 1.35 1.50 1.75 1.90Code 8754-- 8755-- 8704-- 8705--Factor CLASSIFY AS ALL OTHER1.30 1.45OPERATORS AGE 25-29Code 8708-- 8709--AGE17 or Less18WITH OR WITHOUTDRIVER TRAINING1920WITH OR WITHOUT21 thru 24DRIVER TRAININGUNMARRIED MALE –GOOD STUDENT CLASSIFICATIONSNot Owner or Principal Operator Owner or Principal OperatorPleasure Useor Farm UseDrive to Workor Business UsePleasure Useor Farm UseDrive to Workor Business UseFactor 2.10 2.25 2.75 2.90Code 8466-- 8468-- 8666 8668--Factor 2.05 2.20 2.70 2.85Code 8476-- 8478-- 8676-- 8678--Factor 2.00 2.15 2.65 2.80Code 8486-- 8488-- 8686-- 8688--Factor 1.95 2.10 2.60 2.75Code 8496-- 8498-- 8696-- 8698--Factor 1.15 1.30 1.50 1.65Code 8756-- 8757- 8706-- 8707--1-1-2<strong>01</strong>3 <strong>IA</strong>-PA-C-2 Class Plan PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong>Personal Automobile Manual Iowa (14)Class Plan PagesPRIMARY CLASSIFICATIONSRATING FACTORS AND STATISTICAL CODESWITH OR WITHOUTDRIVER TRAININGWITH OR WITHOUTDRIVER TRAININGAGE17 or Less18192021 thru 24YOUTHFUL OPERATORNot Eligible ForGood Student CreditPleasure Useor Farm UseDrive to Workor Business UseMARRIED MALEEligible ForGood Student CreditPleasure Useor Farm UseDrive to Workor Business UseFactor 1.50 1.65 1.35 1.50Code 8964-- 8965-- 8966-- 8967--Factor 1.45 1.60 1.30 1.45Code 8974-- 8975-- 8976-- 8977--Factor 1.40 1.55 1.25 1.40Code 8984-- 8985-- 8986-- 8987--Factor 1.35 1.50 1.20 1.35Code 8994-- 8995-- 8996-- 8997--Factor 1.25 1.40 1.05 1.20Code 8554-- 8555-- 8556-- 8557--25 thru 29 CLASSIFY AS ALL OTHER OPERATORS AGE 25-291-1-2<strong>01</strong>3 <strong>IA</strong>-PA-C-3 Class Plan PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong>Personal Automobile Manual Iowa (14)Class Plan PagesPRIMARY CLASSIFICATIONSRATING FACTORS AND STATISTICAL CODESYOUTHFUL OPERATORAGE17 or Less18WITH OR WITHOUTDRIVER TRAINING192021 thru 24WITH OR WITHOUTDRIVER TRAINING25 thru 29UNMARRIED FEMALE – NOT ELIGIBLE FOR GOOD STUDENT CREDITNot Owner or Principal Operator Owner or Principal OperatorPleasure Useor Farm UseDrive to Workor Business UsePleasure Useor Farm UseDrive to Workor Business UseFactor 2.00 2.15 2.45 2.60Code 8064-- 8065-- 8164-- 8165--Factor 1.95 2.10 2.40 2.55Code 8074-- 8075-- 8174-- 8175-Factor 1.90 2.05 2.35 2.50Code 8084-- 8085-- 8184-- 8185--Factor 1.85 2.00 2.30 2.45Code 8094-- 8095-- 8194-- 8195--Factor 1.30 1.45 1.60 1.75Code 8254-- 8255-- 8354-- 8355--FactorCLASSIFY AS ALL OTHER1.10 1.25Code OPERATORS AGE 25-29 8358-- 8359--AGE17 or Less18WITH OR WITHOUTDRIVER TRAINING1920WITH OR WITHOUT21 thru 24DRIVER TRAININGUNMARRIED FEMALE –GOOD STUDENT CLASSIFICATIONSNot Owner or Principal Operator Owner or Principal OperatorPleasure Useor Farm UseDrive to Workor Business UsePleasure Useor Farm UseDrive to Workor Business UseFactor 1.80 1.95 2.20 2.35Code 8066-- 8067-- 8166 8167--Factor 1.75 1.90 2.15 2.30Code 8076-- 8077-- 8176-- 8177--Factor 1.70 1.85 2.10 2.25Code 8086-- 8087-- 8186-- 8187--Factor 1.65 1.80 2.05 2.20Code 8096-- 8097-- 8196-- 8197--Factor 1.10 1.25 1.35 1.50Code 8256-- 8257-- 8356-- 8357--1-1-2<strong>01</strong>3 <strong>IA</strong>-PA-C-4 Class Plan PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong>Personal Automobile Manual Iowa (14)Class Plan PagesPRIMARY CLASSIFICATIONSRATING FACTORS AND STATISTICAL CODESWITH OR WITHOUTDRIVER TRAININGWITH OR WITHOUTDRIVER TRAININGAGE17 or Less18192021 thru 24YOUTHFUL OPERATORNot Eligible ForGood Student CreditPleasure Useor Farm UseDrive to Workor Business UseMARRIED FEMALEEligible ForGood Student CreditPleasure Useor Farm UseDrive to Workor Business UseFactor 1.20 1.40 1.10 1.25Code 8884-- 8885-- 8886-- 8887--Factor 1.15 1.35 1.05 1.20Code 8894-- 8895-- 8896-- 8897--Factor 1.15 1.30 1.05 1.20Code 8904-- 8905-- 8906-- 8907--Factor 1.15 1.30 1.00 1.20Code 8914-- 8915-- 8916-- 8917--Factor 1.15 1.30 1.00 1.15Code 8664-- 8665-- 8006-- 8007--25 thru 29 CLASSIFY AS ALL OTHER OPERATORS AGE 25-291-1-2<strong>01</strong>3 <strong>IA</strong>-PA-C-5 Class Plan PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong>Personal Automobile Manual Iowa (14)Class Plan PagesSECONDARY RATING FACTOR TABLESECONDARY CLASSIFICATIONSRATING FACTORS AND STATISTICAL CODESThe Rating Factors applicable to Single or Multi-Car Risks <strong>and</strong> risks eligible for either the Family Discount or theCorporate Discount shall be determined by the addition, or subtraction, of the factor from the table below to thePrimary Rating Factor.Vehicle Type/DiscountSub-Class0 1A 1B 2 3 4Single-Car Factor 0.00Code* 10Multi-Car/Family Discount &Corporate Discount +FactorCode*-0.2020Reserved forFuture Use* These two digits are to be appended to the four-digit code corresponding to the Primary Rating Factor to which thefactor in this table is added or subtracted.+ For Multi-Car Risks <strong>and</strong> risks eligible for either the Family Discount or the Corporate Discount, the SecondaryRating Factor is to be added to the Primary Rating Factor for each car. The Code for each is to be appendedaccordingly.1-1-2<strong>01</strong>3 <strong>IA</strong>-PA-C-6 Class Plan PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPersonal Automobile Program Iowa (14)Territory DefinitionsTerritoryZIP Codes7-1-2<strong>01</strong>0 <strong>IA</strong>-PA-T-1 Territory PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.31 500025000550006500075000850<strong>01</strong>050<strong>01</strong>150<strong>01</strong>250<strong>01</strong>350<strong>01</strong>45002050022500255002850029500335003450040500415004250046500485004950050500515005250055500565005850060500645006550067500705007150072500735007450075500765<strong>01</strong><strong>01</strong>5<strong>01</strong>025<strong>01</strong>035<strong>01</strong>055<strong>01</strong>085<strong>01</strong>105<strong>01</strong>155<strong>01</strong>175<strong>01</strong>205<strong>01</strong>225<strong>01</strong>235<strong>01</strong>245<strong>01</strong>265<strong>01</strong>275<strong>01</strong>305<strong>01</strong>325<strong>01</strong>335<strong>01</strong>345<strong>01</strong>365<strong>01</strong>405<strong>01</strong>415<strong>01</strong>445<strong>01</strong>475<strong>01</strong>485<strong>01</strong>495<strong>01</strong>505<strong>01</strong>545<strong>01</strong>555<strong>01</strong>575<strong>01</strong>615<strong>01</strong>625<strong>01</strong>645<strong>01</strong>655<strong>01</strong>685<strong>01</strong>715<strong>01</strong>74502<strong>01</strong>5020650207502135021650217502185022250223502275023050231502345023650238502395024050244502465024750248502495025050254502555025750258502595026250264502685026950271502745027550278504<strong>01</strong>5040250420504215042350424504265042750428504305043150432504335043450435504365043850439504405044150444504465044750448504495045050451504525045350454504555045650457504585045950460504615046450465504665046750468504695047050471504725047350475504765047750478504795048050481504825048350484505<strong>01</strong>5051050511505145051550516505175051850519505205052150522505235052450525505265052750528505295053050531505325053350535505365053850539505405054150542505435054450545505465054850551505525055450556505575055850559505605056150562505635056550566505675056850569505705057150573505745057550576505775057850579505815058250583505855058650588505905059150592505935059450595505975059850599506<strong>01</strong>50602506035060450605506065060850611506125061650619506205062150622506245062550627506285063050632506335063550636506385064250645506475064950652506535065550657506585065950660506615066550666506695067050672506735067550676506775068050681508<strong>01</strong>50830508335083550836508375083950840508415084250843508455084650847508485084950851508535085450857508585085950860508615086250863508645100251005510065100951<strong>01</strong>051<strong>01</strong>4510205102951033510375104051041510465104751053510555105851063512<strong>01</strong>512305123151232512345123551237512395124051241512425124351244512455144651447514485144951550513<strong>01</strong>5133151333513345133851340513415134251343
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPersonal Automobile Program Iowa (14)Territory DefinitionsTerritoryZIP Codes7-1-2<strong>01</strong>0 <strong>IA</strong>-PA-T-2 Territory PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.31(cont'd)5134551346513475135051351513545135551357513585136051363513645136551366514<strong>01</strong>51430514315143251433514365144051441514435144451445514465144751448514495145051451514525145351454514555145851459514605146151462514635146551466514675152051521515235152551526515275152851529515305153151532515335153451535515365153751540515415154251543515445154551546515485154951550515515155251553515545155551556515575155851559515605156151562515635156451565515665157051571515725157351575515765157751578515795159151593516<strong>01</strong>5160251603516305163151632516365163751638516395164051645516465164751648516495165051651516525165351654516565203552041520435204452047520495205252056520665207252077521<strong>01</strong>52132521335213452135521365214052141521425214452146521475214952151521545215552156521575215852159521605216152162521635216452165521665216852169521705217152172521755220652208522095221052215522175222352224522255222952231522485224952257523<strong>01</strong>52315523185232952339523425234552346523485234952351523545235552361525<strong>01</strong>5253052531525335253552536525375254252543525445254852549525515255252553525545255552560525615256252563525655256652568525695257052571525725257352574525765258152583525845258552588525905259352594526<strong>01</strong>5261952620526235262452625526265262752630526315263252635526365263752638526395264052644526455264652648526495265052651526535265552656526575265852660527375273832 510<strong>01</strong>5100351004510075100851<strong>01</strong>151<strong>01</strong>251<strong>01</strong>551<strong>01</strong>651<strong>01</strong>851<strong>01</strong>95102251023510245102551026510275102851030510315103451035510365103851039510445104551048510495105051051510525105451056510605106151062511<strong>01</strong>5110251103511045110551106511085110951111512385123951442
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPersonal Automobile Program Iowa (14)Territory DefinitionsTerritoryZIP Codes33 506135061450634506435065150667507<strong>01</strong>5070250706507075231334 520<strong>01</strong> 52002 52003 52004 5209935 500035000950021500235002650031500355003650037500385003950047500545005950061500635006650069500995<strong>01</strong>075<strong>01</strong>095<strong>01</strong>115<strong>01</strong>285<strong>01</strong>295<strong>01</strong>315<strong>01</strong>465<strong>01</strong>525<strong>01</strong>565<strong>01</strong>675<strong>01</strong>695020850211502125022050226502285023350235502375024350261502635027350276502775031350320503235033336 522335230252328524<strong>01</strong>5240252403524045240552406524075240852409524105241152497524985249937 52732 52733 52734 52736 5277138 5272252748527535275852767528<strong>01</strong>528025280352804528055280652807528085280939 50032503025030950310503145031550316503175031850319503275032850329503305033150332503355034050360503815039250393503965039750936509405094750950509805098140 5026550266503<strong>01</strong>5030350304503055030650311503125032150322503255033450336503395034750359503615036250363503645036750368503695039150394503955039841 515<strong>01</strong> 51502 51503 515107-1-2<strong>01</strong>0 <strong>IA</strong>-PA-T-3 Territory PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPersonal Automobile Program Iowa (14)Territory DefinitionsTerritoryZIP Codes42 506075062350626506295063150641506445064850650506545066250664506685067150674506825070350704520305203152032520335203652037520385203952040520425204552046520485205052053520545205752060520645206552068520695207052071520735207452075520765207852079522<strong>01</strong>5220252203522045220552207522115221252213522145221652218522195222052221522225222752228522325223552236522375224052241522425224352244522455224652247522515225252253522545225552305523065230752308523095231052312523145231652317523195232052321523225232352324523255232652327523305233252333523345233552336523375233852340523415234452347523505235252353523565235852359523625254052556525575256752580526215264152647526525265452659527<strong>01</strong>5272052721527265272752728527295273052731527395274252745527465274752749527505275152752527545275552756527575275952760527615276552766527685276952772527735277452776527775277843 500<strong>01</strong>5002750044500575006250068500785<strong>01</strong>045<strong>01</strong>065<strong>01</strong>125<strong>01</strong>165<strong>01</strong>185<strong>01</strong>195<strong>01</strong>255<strong>01</strong>355<strong>01</strong>375<strong>01</strong>385<strong>01</strong>395<strong>01</strong>425<strong>01</strong>435<strong>01</strong>455<strong>01</strong>515<strong>01</strong>535<strong>01</strong>585<strong>01</strong>605<strong>01</strong>635<strong>01</strong>665<strong>01</strong>705021050214502195022550229502325024150242502515025250256502725060952534525505257752586525957-1-2<strong>01</strong>0 <strong>IA</strong>-PA-T-4 Territory PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPersonal Automobile Program Iowa (14)Territory DefinitionsZIP CODES/TERRITORIES IN NUMERICAL ORDER BY ZIP CODEZIP Code USPS ZIP Code Name Territory ZIP Code USPS Zip Code Name Territory500<strong>01</strong> Ackworth 4350002 Adair 3150003 Adel 3550005 Albion 3150006 Alden 3150007 Alleman 3150008 Allerton 3150009 Altoona 3550<strong>01</strong>0 Ames 3150<strong>01</strong>1 Ames 3150<strong>01</strong>2 Ames 3150<strong>01</strong>3 Ames 3150<strong>01</strong>4 Ames 3150020 Anita 3150021 Ankeny 3550022 Atlantic 3150023 Ankeny 3550025 Audubon 3150026 Bagley 3550027 Barnes City 4350028 Baxter 3150029 Bayard 3150031 Beaver 3550032 Berwick 3950033 Bevington 3150034 Blairsburg 3150035 Bondurant 3550036 Boone 3550037 Boone 3550038 Booneville 3550039 Bouton 3550040 Boxholm 3150041 Bradford 3150042 Brayton 3150044 Bussey 4350046 Cambridge 3150047 Carlisle 3550048 Casey 3150049 Chariton 3150050 Churdan 3150051 Clemons 3150052 Clio 3150054 Colfax 3550055 Collins 3150056 Colo 3150057 Columbia 4350058 Coon Rapids 3150059 Cooper 3550060 Corydon 3150061 Cumming 3550062 Dallas 4350063 Dallas Center 3550064 Dana 3150065 Davis City 3150066 Dawson 3550067 Decatur 3150068 Derby 4350069 De Soto 3550070 Dexter 3150071 Dows 3150072 Earlham 3150073 Elkhart 3150074 Ellston 3150075 Ellsworth 3150076 Exira 3150078 Ferguson 4350099 Boone 355<strong>01</strong><strong>01</strong> Galt 315<strong>01</strong>02 Garden City 315<strong>01</strong>03 Garden Grove 315<strong>01</strong>04 Gibson 435<strong>01</strong>05 Gilbert 315<strong>01</strong>06 Gilman 435<strong>01</strong>07 Gr<strong>and</strong> Junction 355<strong>01</strong>08 Gr<strong>and</strong> River 315<strong>01</strong>09 Granger 355<strong>01</strong>10 Gray 315<strong>01</strong>11 Grimes 355<strong>01</strong>12 Grinnell 435<strong>01</strong>15 Guthrie Center 315<strong>01</strong>16 Hamilton 435<strong>01</strong>17 Hamlin 315<strong>01</strong>18 Hartford 435<strong>01</strong>19 Harvey 435<strong>01</strong>20 Haverhill 315<strong>01</strong>22 Hubbard 315<strong>01</strong>23 Humeston 315<strong>01</strong>24 Huxley 315<strong>01</strong>25 Indianola 435<strong>01</strong>26 Iowa Falls 315<strong>01</strong>27 Ira 315<strong>01</strong>28 Jamaica 355<strong>01</strong>29 Jefferson 355<strong>01</strong>30 Jewell 315<strong>01</strong>31 Johnston 355<strong>01</strong>32 Kamrar 315<strong>01</strong>33 Kellerton 315<strong>01</strong>34 Kelley 315<strong>01</strong>35 Kellogg 435<strong>01</strong>36 Keswick 315<strong>01</strong>37 Killduff 435<strong>01</strong>38 Knoxville 437-1-2<strong>01</strong>0 <strong>IA</strong>-PA-T-5 Territory PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPersonal Automobile Program Iowa (14)Territory DefinitionsZIP CODES/TERRITORIES IN NUMERICAL ORDER BY ZIP CODEZIP Code USPS ZIP Code Name Territory ZIP Code USPS Zip Code Name Territory5<strong>01</strong>39 Lacona 435<strong>01</strong>40 Lamoni 315<strong>01</strong>41 Laurel 315<strong>01</strong>42 Le Gr<strong>and</strong> 435<strong>01</strong>43 Leighton 435<strong>01</strong>44 Leon 315<strong>01</strong>45 Liberty Center 435<strong>01</strong>46 Linden 355<strong>01</strong>47 Lineville 315<strong>01</strong>48 Liscomb 315<strong>01</strong>49 Lorimor 315<strong>01</strong>50 Lovilia 315<strong>01</strong>51 Lucas 435<strong>01</strong>52 Luther 355<strong>01</strong>53 Lynnville 435<strong>01</strong>54 Mc Callsburg 315<strong>01</strong>55 Macksburg 315<strong>01</strong>56 Madrid 355<strong>01</strong>57 Malcom 315<strong>01</strong>58 Marshalltown 435<strong>01</strong>60 Martensdale 435<strong>01</strong>61 Maxwell 315<strong>01</strong>62 Melbourne 315<strong>01</strong>63 Melcher 435<strong>01</strong>64 Menlo 315<strong>01</strong>65 Millerton 315<strong>01</strong>66 Milo 435<strong>01</strong>67 Minburn 355<strong>01</strong>68 Mingo 315<strong>01</strong>69 Mitchellville 355<strong>01</strong>70 Monroe 435<strong>01</strong>71 Montezuma 315<strong>01</strong>73 Montour 315<strong>01</strong>74 Murray 31502<strong>01</strong> Nevada 3150206 New Providence 3150207 New Sharon 3150208 Newton 3550210 New Virginia 4350211 Norwalk 3550212 Ogden 3550213 Osceola 3150214 Otley 4350216 Panora 3150217 Paton 3150218 Patterson 3150219 Pella 4350220 Perry 3550222 Peru 3150223 Pilot Mound 3150225 Pleasantvile 4350226 Polk City 3550227 Popejoy 3150228 Prairie City 3550229 Prole 4350230 Radcliffe 3150231 R<strong>and</strong>all 3150232 Reasnor 4350233 Redfield 3550234 Rhodes 3550235 Rippey 3550236 Rol<strong>and</strong> 3150237 Runnells 3550238 Russell 3150239 Saint Anthony 3150240 Saint Charles 3150241 Saint Marys 4350242 Searsboro 4350243 Sheldahl 3550244 Slater 3150246 Stanhope 3150247 State Center 3150248 Story City 3150249 Stratford 3150250 Stuart 3150251 Sully 4350252 Swan 4350254 Thayer 3150255 Thornburg 3150256 Tracy 4350257 Truro 3150258 Union 3150259 Gifford 3150261 Van Meter 3550262 Van Wert 3150263 Waukee 3550264 Weldon 3150265 West Des Moines 4050266 West Des Moines 4050268 What Cheer 3150269 Whitten 3150271 Williams 3150272 Williamson 4350273 Winterset 3550274 Wiota 3150275 Woodburn 3150276 Woodward 3550277 Yale 3550278 Zearing 31503<strong>01</strong> Des Moines 4050302 Des Moines 3950303 Des Moines 407-1-2<strong>01</strong>0 <strong>IA</strong>-PA-T-6 Territory PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPersonal Automobile Program Iowa (14)Territory DefinitionsZIP CODES/TERRITORIES IN NUMERICAL ORDER BY ZIP CODEZIP Code USPS ZIP Code Name Territory ZIP Code USPS Zip Code Name Territory50304 Des Moines 4050305 Des Moines 4050306 Des Moines 4050309 Des Moines 3950310 Des Moines 3950311 Des Moines 4050312 Des Moines 4050313 Des Moines 3550314 Des Moines 3950315 Des Moines 3950316 Des Moines 3950317 Des Moines 3950318 Des Moines 3950319 Des Moines 3950320 Des Moines 3550321 Des Moines 4050322 Urb<strong>and</strong>ale 4050323 Urb<strong>and</strong>ale 3550325 Clive 4050327 Des Moines 3950328 Des Moines 3950329 Des Moines 3950330 Des Moines 3950331 Des Moines 3950332 Des Moines 3950333 Des Moines 3550334 Des Moines 4050335 Des Moines 3950336 Des Moines 4050339 Des Moines 4050340 Des Moines 3950347 Des Moines 4050359 Des Moines 4050360 Des Moines 3950361 Des Moines 4050362 Des Moines 4050363 Des Moines 4050364 Des Moines 4050367 Des Moines 4050368 Des Moines 4050369 Des Moines 4050381 Des Moines 3950391 Des Moines 4050392 Des Moines 3950393 Des Moines 3950394 Des Moines 4050395 Des Moines 4050396 Des Moines 3950397 Des Moines 3950398 West Des Moines 40504<strong>01</strong> Mason City 3150402 Mason City 3150420 Alex<strong>and</strong>er 3150421 Belmond 3150423 Britt 3150424 Buffalo Center 3150426 Carpenter 3150427 Chapin 3150428 Clear Lake 3150430 Corwith 3150431 Coulter 3150432 Crystal Lake 3150433 Dougherty 3150434 Fertile 3150435 Floyd 3150436 Forest City 3150438 Garner 3150439 Goodell 3150440 Grafton 3150441 Hampton 3150444 Hanlontown 3150446 Joice 3150447 Kanawha 3150448 Kensett 3150449 Klemme 3150450 Lake Mills 3150451 Lakota 3150452 Latimer 3150453 Lel<strong>and</strong> 3150454 Little Cedar 3150455 Mc Intire 3150456 Manly 3150457 Meservey 3150458 Nora Springs 3150459 Northwood 3150460 Orchard 3150461 Osage 3150464 Plymouth 3150465 Rake 3150466 Riceville 3150467 Rock Falls 3150468 Rockford 3150469 Rockwell 3150470 Rowan 3150471 Rudd 3150472 Saint Ansgar 3150473 Scarville 3150475 Sheffield 3150476 Stacyville 3150477 Swaledale 3150478 Thompson 3150479 Thorton 317-1-2<strong>01</strong>0 <strong>IA</strong>-PA-T-7 Territory PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPersonal Automobile Program Iowa (14)Territory DefinitionsZIP CODES/TERRITORIES IN NUMERICAL ORDER BY ZIP CODEZIP Code USPS ZIP Code Name Territory ZIP Code USPS Zip Code Name Territory50480 Titonka 3150481 Toeterville 3150482 Ventura 3150483 Wesley 3150484 Woden 31505<strong>01</strong> Fort Dodge 3150510 Albert City 3150511 Algona 3150514 Armstrong 3150515 Ayrshire 3150516 Badger 3150517 Bancroft 3150518 Barnum 3150519 Bode 3150520 Bradgate 3150521 Burnside 3150522 Burt 3150523 Callender 3150524 Clare 3150525 Clarion 3150526 Clarion 3150527 Curlew 3150528 Cylinder 3150529 Dakota City 3150530 Dayton 3150531 Dolliver 3150532 Duncombe 3150533 Eagle Grove 3150535 Early 3150536 Emmetsburg 3150538 Farnhamville 3150539 Fenton 3150540 Fonda 3150541 Gilmore City 3150542 Goldfield 3150543 Gowrie 3150544 Harcourt 3150545 Hardy 3150546 Havelock 3150548 Humboldt 3150551 Jolley 3150552 Knierim 3150554 Laurens 3150556 Ledyard 3150557 Lehigh 3150558 Livermore 3150559 Lone Rock 3150560 Lu Verne 3150561 Lytton 3150562 Mallard 3150563 Manson 3150565 Marathon 3150566 Moorl<strong>and</strong> 3150567 Nemaha 3150568 Newell 3150569 Otho 3150570 Ottosen 3150571 Palmer 3150573 Plover 3150574 Pocahontas 3150575 Pomeroy 3150576 Rembr<strong>and</strong>t 3150577 Renwick 3150578 Ringsted 3150579 Rockwell City 3150581 Rolfe 3150582 Rutl<strong>and</strong> 3150583 Sac City 3150585 Sioux Rapids 3150586 Somers 3150588 Storm Lake 3150590 Swea City 3150591 Thor 3150592 Truesdale 3150593 Varina 3150594 Vincent 3150595 Webster City 3150597 West Bend 3150598 Whittemore 3150599 Woolstock 31506<strong>01</strong> Ackley 3150602 Allison 3150603 Alta Vista 3150604 Aplington 3150605 Aredale 3150606 Arlington 3150607 Aurora 4250608 Austinville 3150609 Beaman 4350611 Bristow 3150612 Buckingham 3150613 Cedar Falls 3350614 Cedar Falls 3350616 Charles City 3150619 Clarksville 3150620 Colwell 3150621 Conrad 3150622 Denver 3150623 Dewar 4250624 Dike 3150625 Dumont 3150626 Dunkerton 427-1-2<strong>01</strong>0 <strong>IA</strong>-PA-T-8 Territory PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPersonal Automobile Program Iowa (14)Territory DefinitionsZIP CODES/TERRITORIES IN NUMERICAL ORDER BY ZIP CODEZIP Code USPS ZIP Code Name Territory ZIP Code USPS Zip Code Name Territory50627 Eldora 3150628 Elma 3150629 Fairbank 4250630 Fredericksburg 3150631 Frederika 4250632 Garwin 3150633 Geneva 3150634 Gilbertville 3350635 Gladbrook 3150636 Greene 3150638 Grundy Center 3150641 Hazelton 4250642 Holl<strong>and</strong> 3150643 Hudson 3350644 Independence 4250645 Ionia 3150647 Janesville 3150648 Jesup 4250649 Kesley 3150650 Lamont 4250651 La Porte City 3350652 Lincoln 3150653 Marble Rock 3150654 Masonville 4250655 Maynard 3150657 Morrison 3150658 Nashua 3150659 New Hampton 3150660 New Hartford 3150661 North Washington 3150662 Oelwein 4250664 Oran 4250665 Parkersburg 3150666 Plainfield 3150667 Raymond 3350668 Readlyn 4250669 Reinbeck 3150670 Shell Rock 3150671 Stanley 4250672 Steamboat Rock 3150673 Stout 3150674 Sumner 4250675 Traer 3150676 Tripoli 3150677 Waverly 3150680 Wellsburg 3150681 Westgate 3150682 Winthrop 42507<strong>01</strong> Waterloo 3350702 Waterloo 3350703 Waterloo 4250704 Waterloo 4250706 Waterloo 3350707 Evansdale 33508<strong>01</strong> Creston 3150830 Afton 3150831 Arispe 3150833 Bedfored 3150835 Benton 3150836 Blockton 3150837 Bridgewater 3150839 Cargon 3150840 Clearfield 3150841 Corning 3150842 Cromwell 3150843 Cumberl<strong>and</strong> 3150845 Diagonal 3150846 Fontanelle 3150847 Grant 3150848 Gravity 3150849 Greenfield 3150851 Lenox 3150853 Massena 3150854 Mount Ayr 3150857 Nodaway 3150858 Orient 3150859 Prescott 3150860 Redding 3150861 Shannon City 3150862 Sharpsburg 3150863 Tingley 3150864 Villisca 3150936 Des Moines 3950940 Des Moines 3950947 Des Moines 3950950 Des Moines 3950980 Des Moines 3950981 Des Moines 39510<strong>01</strong> Akron 3251002 Alta 3151003 Alton 3251004 Anthon 3251005 Aurelia 3151006 Battle Creek 3151007 Bronson 3251008 Brunsville 3251009 Calumet 3151<strong>01</strong>0 Castana 3151<strong>01</strong>1 Chatsworth 3251<strong>01</strong>2 Cherokee 3251<strong>01</strong>4 Cleghorn 3151<strong>01</strong>5 Climbing Hill 327-1-2<strong>01</strong>0 <strong>IA</strong>-PA-T-9 Territory PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPersonal Automobile Program Iowa (14)Territory DefinitionsZIP CODES/TERRITORIES IN NUMERICAL ORDER BY ZIP CODEZIP Code USPS ZIP Code Name Territory ZIP Code USPS Zip Code Name Territory51<strong>01</strong>6 Correctionville 3251<strong>01</strong>8 Cushing 3251<strong>01</strong>9 Danbury 3251020 Galva 3151022 Granville 3251023 Hawarden 3251024 Hinton 3251025 Holstein 3251026 Hornick 3251027 Ireton 3251028 Kingsley 3251029 Larrabee 3151030 Lawton 3251031 Le Mars 3251033 Linn Grove 3151034 Mapleton 3251035 Marcus 3251036 Maurice 3251037 Meriden 3151038 Merrill 3251039 Moville 3251040 Onawa 3151041 Orange City 3151044 Oto 3251045 Oyens 3251046 Paullina 3151047 Peterson 3151048 Pierson 3251049 Quimby 3251050 Remsen 3251051 Rodney 3251052 Salix 3251053 Schaller 3151054 Sergeant Bluff 3251055 Sloan 3151056 Smithl<strong>and</strong> 3251058 Sutherl<strong>and</strong> 3151060 Ute 3251061 Washta 3251062 Westfield 3251063 Whiting 31511<strong>01</strong> Sioux City 3251102 Sioux City 3251103 Sioux City 3251104 Sioux City 3251105 Sioux City 3251106 Sioux City 3251108 Sioux City 3251109 Sioux City 3251111 Sioux City 32512<strong>01</strong> Sheldon 3151230 Alvord 3151231 Archer 3151232 Ashton 3151234 Boyden 3151235 Doon 3151237 George 3151238 Hospers 3151239 Hull 3151240 Inwood 3151241 Larchwood 3151242 Lester 3151243 Little Rock 3151244 Matlock 3151245 Primghar 3151246 Rock Rapids 3151247 Rock Valley 3151248 Sanborn 3151249 Sibley 3151250 Sioux Center 31513<strong>01</strong> Spencer 3151331 Arnolds Park 3151333 Dickens 3151334 Estherville 3151338 Everly 3151340 Fostoria 3151341 Gillett Grove 3151342 Graettinger 3151343 Greenville 3151345 Harris 3151346 Hartley 3151347 Lake Park 3151350 Melvin 3151351 Milford 3151354 Ocheyedan 3151355 Okoboji 3151357 Royal 3151358 Ruthven 3151360 Spirit Lake 3151363 Superior 3151364 Terril 3151365 Wallingford 3151366 Webb 31514<strong>01</strong> Carroll 3151430 Arcadia 3151431 Arthur 3151432 Aspinwall 3151433 Auburn 3151436 Breda 3151439 Charter Oak 3251440 Dedham 3151441 Deloit 317-1-2<strong>01</strong>0 <strong>IA</strong>-PA-T-10 Territory PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPersonal Automobile Program Iowa (14)Territory DefinitionsZIP CODES/TERRITORIES IN NUMERICAL ORDER BY ZIP CODEZIP Code USPS ZIP Code Name Territory ZIP Code USPS Zip Code Name Territory51442 Denison 3251443 Glidden 3151444 Halbur 3151445 Ida Grove 3151446 Irwin 3151447 Kirkman 3151448 Kiron 3151449 Lake City 3151450 Lake View 3151451 Lanesboro 3151452 Lidderdale 3151453 Lohrville 3151454 Manilla 3151455 Manning 3151458 Odebolt 3151459 Ralston 3151460 Ricketts 3151461 Schleswig 3151462 Scranton 3151463 Templeton 3151465 Vail 3151466 Wall Lake 3151467 Westside 31515<strong>01</strong> Council Bluffs 4151502 Council Bluffs 4151503 Council Bluffs 4151510 Carter Lake 4151520 Arion 3151521 Avoca 3151523 Blencoe 3151525 Carson 3151526 Crescent 3151527 Defiance 3151528 Dow City 3151529 Dunlap 3151530 Earling 3151531 Elk Horn 3151532 Elliott 3151533 Emerson 3151534 Glenwood 3151535 Griswold 3151536 Hancock 3151537 Harlan 3151540 Hastings 3151541 Henderson 3151542 Honey Creek 3151543 Kimballton 3151544 Lewis 3151545 Little Sioux 3151546 Logan 3151548 Mc Clell<strong>and</strong> 3151549 Macedonia 3151550 Magnolia 3151551 Malvern 3151552 Marne 3151553 Minden 3151554 Mineola 3151555 Missouri Valley 3151556 Modale 3151557 Mondamin 3151558 Moorhead 3151559 Neola 3151560 Oakl<strong>and</strong> 3151561 Pacific Junction 3151562 Panama 3151563 Persia 3151564 Pisgah 3151565 Portsmouth 3151566 Red Oak 3151570 Shelby 3151571 Silver City 3151572 Soldier 3151573 Stanton 3151575 Treynor 3151576 Underwood 3151577 Walnut 3151578 Westphalia 3151579 Woodbine 3151591 Red Oak 3151593 Harlan 31516<strong>01</strong> Shen<strong>and</strong>oah 3151602 Shen<strong>and</strong>oah 3151603 Shen<strong>and</strong>oah 3151630 Blanchard 3151631 Braddyville 3151632 Clarinda 3151636 Coin 3151637 College Springs 3151638 Essex 3151639 Farragut 3151640 Hamburg 3151645 Imogene 3151646 New Market 3151647 Northboro 3151648 Percival 3151649 R<strong>and</strong>olph 3151650 Riverton 3151651 Shambaugh 3151652 Sidney 3151653 Tabor 3151654 Thurman 3151656 Yorktown 317-1-2<strong>01</strong>0 <strong>IA</strong>-PA-T-11 Territory PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPersonal Automobile Program Iowa (14)Territory DefinitionsZIP CODES/TERRITORIES IN NUMERICAL ORDER BY ZIP CODEZIP Code USPS ZIP Code Name Territory ZIP Code USPS Zip Code Name Territory520<strong>01</strong> Dubuque 3452002 Dubuque 3452003 Dubuque 3452004 Dubuque 3452030 Andrew 4252031 Bellevue 4252032 Bernard 4252033 Cascade 4252035 Colesburg 3152036 Delaware 4252037 Delmar 4252038 Dundee 4252039 Durango 4252040 Dyersville 4252041 Earlville 3152042 Edgewood 4252043 Elkader 3152044 Elkport 3152045 Epworth 4252046 Farley 4252047 Farmersburg 3152047 Garber 4252049 Garnavillo 3152050 Greeley 4252052 Guttenberg 3152053 Holy Cross 4252054 La Motte 4252056 Luxemburg 3152057 Manchester 4252060 Maquoketa 4252064 Miles 4252065 New Vienna 4252066 North Buena Vista 3152068 Peosta 4252069 Preston 4252070 Sabula 4252071 Saint Donatus 4252072 Saint Olaf 3152073 Sherrill 4252074 Spragueville 4252075 Springbrook 4252076 Strawberry Point 4252077 Volga 3152078 Worthington 4252079 Zwingle 4252099 Dubuque 4252099 Dubuque 34521<strong>01</strong> Decorah 3152132 Calmar 3152133 Castalia 3152134 Chester 3152135 Clermont 3152136 Cresco 3152140 Dorchester 3152141 Elgin 3152142 Fayette 3152144 Fort Atkinson 3152146 Harpers Ferry 3152147 Hawkeye 3152149 Highl<strong>and</strong>ville 3152151 Lansing 3152154 Lawler 3152155 Lime Springs 3152156 Luana 3152157 Mc Gregor 3152158 Marquette 3152159 Monona 3152160 New Albin 3152161 Ossian 3152162 Postville 3152163 Protivin 3152164 R<strong>and</strong>alia 3152165 Ridgeway 3152166 Saint Lucas 3152168 Spillville 3152169 Wadena 3152170 Waterville 3152171 Waucoma 3152172 Waukon 3152175 West Union 31522<strong>01</strong> Ainsworth 4252202 Alburnett 4252203 Amana 4252204 Amana 4252205 Anamosa 4252206 Atkins 3152207 Baldwin 4252208 Belle Plaine 3152209 Blairstown 3152210 Br<strong>and</strong>on 3152211 Brooklyn 4252212 Center Junction 4252213 Center Point 4252214 Central City 4252215 Chelsea 3152216 Clarence 4252217 Clutier 3152218 Coggon 4252219 Prairieburg 4252220 Conroy 4252221 Guernsey 4252222 Deep River 427-1-2<strong>01</strong>0 <strong>IA</strong>-PA-T-12 Territory PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPersonal Automobile Program Iowa (14)Territory DefinitionsZIP CODES/TERRITORIES IN NUMERICAL ORDER BY ZIP CODEZIP Code USPS ZIP Code Name Territory ZIP Code USPS Zip Code Name Territory52223 Delhi 3152224 Dysart 3152225 Elberon 3152227 Ely 4252228 Fairfax 4252229 Garrison 3152231 Harper 3152232 Hartwick 4252233 Hiawatha 3652235 Hills 4252236 Homestead 4252237 Hopkinton 4252240 Iowa City 4252241 Coralville 4252242 Iowa City 4252243 Iowa City 4252244 Iowa City 4252245 Iowa City 4252246 Iowa City 4252247 Kalona 3152248 Keota 3152249 Keystone 3152251 Ladora 4252252 Langworthy 4252253 Lisbon 4252254 Lost Nation 4252255 Lowden 4252257 Luzerne 31523<strong>01</strong> Marengo 3152302 Marion 3652305 Martelle 4252306 Mechanicsville 4252307 Middle Amana 4252308 Millersburg 4252309 Monmouth 4252310 Monticello 4252312 Morley 4252313 Mount Auburn 3352314 Mount Vernon 4252315 Newhall 3152316 North English 4252317 North Liberty 4252318 Norway 3152319 Oakdale 4252320 Olin 4252321 Onslow 4252322 Oxford 4252323 Oxford Junction 4252324 Palo 4252325 Parnell 4252326 Quasqueton 4252327 Riverside 4252328 Robins 3652329 Rowley 3152330 Ryan 4252332 Shellsburg 4252333 Solon 4252334 South Amana 4252335 South English 4252336 Springville 4252337 Stanwood 4252338 Swisher 4252339 Tama 3152340 Tiffin 4252341 Toddville 4252342 Toledo 3152344 Troy Mills 4252345 Urbana 3152346 Van Horne 3152347 Victor 4252348 Vining 3152349 Vinton 3152350 Viola 4252351 Walford 3152352 Walker 4252353 Washington 4252354 Watkins 3152355 Webster 3152356 Wellman 4252358 West Branch 4252359 West Chester 4252361 Williamsburg 3152362 Wyoming 42524<strong>01</strong> Cedar Rapids 3652402 Cedar Rapids 3652403 Cedar Rapids 3652404 Cedar Rapids 3652405 Cedar Rapids 3652406 Cedar Rapids 3652407 Cedar Rapids 3652408 Cedar Rapids 3652409 Cedar Rapids 3652410 Cedar Rapids 3652411 Cedar Rapids 3652497 Cedar Rapids 3652498 Cedar Rapids 3652499 Cedar Rapids 36525<strong>01</strong> Ottumwa 3152530 Agency 3152531 Albia 3152533 Batavia 3152534 Beacon 437-1-2<strong>01</strong>0 <strong>IA</strong>-PA-T-13 Territory PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPersonal Automobile Program Iowa (14)Territory DefinitionsZIP CODES/TERRITORIES IN NUMERICAL ORDER BY ZIP CODEZIP Code USPS ZIP Code Name Territory ZIP Code USPS Zip Code Name Territory52535 Birmingham 3152536 Blakesburg 3152537 Bloomfield 3152540 Brighton 4252542 Cantril 3152543 Cedar 3152544 Centerville 3152548 Chillicothe 3152549 Cincinnati 3152550 Delta 4352551 Douds 3152552 Drakesville 3152553 Eddyville 3152554 Eldon 3152555 Exline 3152556 Fairfield 4252557 Fairfield 4252560 Floris 3152561 Fremont 3152562 Hayesville 3152563 Hedrick 3152565 Keosauqua 3152566 Kirkville 3152567 Libertyville 4252568 Martinsburg 3152569 Melrose 3152570 Milton 3152571 Moravia 3152572 Moulton 3152573 Mount Sterling 3152574 Mystic 3152576 Ollie 3152577 Oskaloosa 4352580 Packwood 4252581 Plano 3152583 Promise City 3152584 Pulaski 3152585 Richl<strong>and</strong> 3152586 Rose Hill 4352588 Selma 3152590 Seymour 3152591 Sigourney 3152593 Udell 3152594 Unionville 3152595 University Park 43526<strong>01</strong> Burlington 3152619 Argyle 3152620 Bonaparte 3152621 Crawfordsville 4252623 Danville 3152624 Denmark 3152625 Donnellson 3152626 Farmington 3152627 Fort Madison 3152630 Hillsboro 3152631 Houghton 3152632 Keokuk 3152635 Lockridge 3152637 Mediapolis 3152638 Middletown 3152639 Montrose 3152640 Morning Sun 3152641 Mount Pleasant 4252644 Mount Union 3152645 New London 3152646 Oakville 3152647 Olds 4252648 Pilot Grove 3152649 Salem 3152650 Sperry 3152651 Stockport 3152652 Swedesburg 4252653 Wapello 3152654 Wayl<strong>and</strong> 4252655 West Burlington 3152656 West Point 4252657 Saint Paul 3152658 Wever 3152659 Winfield 4252660 Yarmouth 31527<strong>01</strong> Andover 4252720 Atalissa 4252721 Bennett 4252722 Bettendorf 3852726 Blue Grass 4252727 Bryant 4252728 Buffalo 4252729 Calamus 4252730 Camanche 4252731 Charlotte 4252732 Clinton 3752733 Clinton 3752734 Clinton 3752736 Clinton 3752737 Columbus City 3152738 Columbus Junction 3152739 Conesville 4252742 De Witt 4252745 Dixon 4252746 Donahue 4252747 Durant 4252748 Eldridge 387-1-2<strong>01</strong>0 <strong>IA</strong>-PA-T-14 Territory PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPersonal Automobile Program Iowa (14)Territory DefinitionsZIP CODES/TERRITORIES IN NUMERICAL ORDER BY ZIP CODEZIP Code USPS ZIP Code Name Territory ZIP Code USPS Zip Code Name Territory52749 Fruitl<strong>and</strong> 4252750 Goose Lake 4252751 Gr<strong>and</strong> Mound 4252752 Gr<strong>and</strong>view 4252753 Le Claire 3852754 Letts 4252755 Lone Tree 4252756 Long Grove 4252757 Low Moor 4252758 Mc Causl<strong>and</strong> 3852759 Montpelier 4252760 Moscow 4252761 Muscatine 4252765 New Liberty 4252766 Nichols 4252767 Pleasant Valley 3852768 Princeton 4252769 Stockton 4252771 Teeds Grove 3752772 Tipton 4252773 Walcott 4252774 Welton 4252776 West Liberty 4252777 Wheatl<strong>and</strong> 4252778 Wilton 42528<strong>01</strong> Davenport 3852802 Davenport 3852803 Davenport 3852804 Davenport 3852805 Davenport 3852806 Davenport 3852807 Davenport 3852808 Davenport 3852809 Davenport 387-1-2<strong>01</strong>0 <strong>IA</strong>-PA-T-15 Territory PagesIncludes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
Preferred Program IOWA PREFERRED Semi-AnnualPersonal Auto Territory 31 <strong>Rates</strong>BODILY INJURYPROPERTY DAMAGE20/40 50/100 100/300 250/500 300/300 15,000 25,000 50,000 100,000 250,00039 53 65 82 84 59 63 67 70 75UNINSURED <strong>and</strong>UNDERINSURED MOTORISTSLimit UM UIM20/40 5 525/50 6 650/100 8 11100/300 10 18250/500 13 30300/300 13 32Deductible$250$500$1000COMPREHENSIVECOLLISIONVehicle AgeVehicle Age1 2 3 4 5 6 7 8 9 Deductible 1 2 3 4 5 6 7 8 9154 146 139 132 125 119 114 108 102 $250 202 190 178 168 154 141 133 125 117131 124 118 113 106 1<strong>01</strong> 97 92 86 $500 182 171 160 151 138 127 120 113 105102 97 91 87 82 78 75 71 67 $1,000 152 142 133 126 115 106 100 94 88Comprehensive rates shown are for the following base symbols:MEDICAL PAYMENTSCollision rates shown are for the following base symbols:Model Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11 LimitRate per AutoModel Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11Model Years 1990 through 2<strong>01</strong>0 - Symbol 8 $1,0004Model Years 1990 through 2<strong>01</strong>0 - Symbol 8Model Years 1989 <strong>and</strong> Prior - Symbol 11 $2,0007Model Years 1989 <strong>and</strong> Prior - Symbol 11$5,00<strong>01</strong>2$10,00<strong>01</strong>5$25,00020$50,00023OPTIONAL LIMITSTRANSPORTATION EXPENSEFULL SAFETY GLASSTOWING ANDLABOR COSTSCoverage Rate Comprehensive % of full Comp Coverage perRateper Day / Maximum per Auto Deductible Prem. per Auto Disablement per Auto40 / 1200 2 250 22.0% 25250 / 1500 4 500 42.0% 5041,000 57.0% 7510068<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong> - Pref - R1 1-1-2<strong>01</strong>3
Preferred Program IOWA PREFERRED Semi-AnnualPersonal Auto Territory 32 <strong>Rates</strong>BODILY INJURYPROPERTY DAMAGE20/40 50/100 100/300 250/500 300/300 15,000 25,000 50,000 100,000 250,00048 65 80 100 103 59 63 67 70 75UNINSURED <strong>and</strong>UNDERINSURED MOTORISTSLimit UM UIM20/40 5 525/50 6 650/100 8 11100/300 10 18250/500 13 30300/300 13 32COMPREHENSIVECOLLISIONVehicle AgeVehicle AgeDeductible 1 2 3 4 5 6 7 8 9 Deductible 1 2 3 4 5 6 7 8 9$250 120 114 108 103 97 92 89 84 79 $250 226 212 199 188 172 158 149 140 131$500 102 97 92 88 83 79 75 71 67 $500 203 191 179 169 155 142 134 126 118$1000 79 75 71 68 64 61 59 55 52 $1,000 170 159 149 141 129 119 112 105 98Comprehensive rates shown are for the following base symbols:MEDICAL PAYMENTSCollision rates shown are for the following base symbols:Model Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11 LimitRate per AutoModel Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11Model Years 1990 through 2<strong>01</strong>0 - Symbol 8 $1,000 5Model Years 1990 through 2<strong>01</strong>0 - Symbol 8Model Years 1989 <strong>and</strong> Prior - Symbol 11 $2,000 8Model Years 1989 <strong>and</strong> Prior - Symbol 11$5,000 13$10,000 16$25,000 21$50,000 24OPTIONAL LIMITSTRANSPORTATION EXPENSEFULL SAFETY GLASSTOWING ANDLABOR COSTSCoverage Rate Comprehensive % of full Comp Coverage perRateper Day / Maximum per Auto Deductible Prem. per Auto Disablement per Auto40 / 1200 2 250 22.0% 25250 / 1500 4 500 42.0% 5041,000 57.0% 7510068<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong> - Pref - R2 1-1-2<strong>01</strong>3
Preferred Program IOWA PREFERRED Semi-AnnualPersonal Auto Territory 33 <strong>Rates</strong>BODILY INJURYPROPERTY DAMAGE20/40 50/100 100/300 250/500 300/300 15,000 25,000 50,000 100,000 250,00040 54 66 84 86 65 69 73 77 83UNINSURED <strong>and</strong>UNDERINSURED MOTORISTSLimit UM UIM20/40 5 525/50 6 650/100 8 11100/300 10 18250/500 13 30300/300 13 32COMPREHENSIVECOLLISIONVehicle AgeVehicle AgeDeductible 1 2 3 4 5 6 7 8 9 Deductible 1 2 3 4 5 6 7 8 9$250 74 70 67 64 60 57 55 52 49 $250 216 203 190 179 164 151 143 134 125$500 63 60 57 54 51 48 47 44 42 $500 194 183 171 161 148 136 128 121 113$1000 49 46 44 42 40 38 36 34 32 $1,000 162 152 143 134 123 113 107 100 94Comprehensive rates shown are for the following base symbols:MEDICAL PAYMENTSCollision rates shown are for the following base symbols:Model Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11 LimitRate per AutoModel Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11Model Years 1990 through 2<strong>01</strong>0 - Symbol 8 $1,000 5Model Years 1990 through 2<strong>01</strong>0 - Symbol 8Model Years 1989 <strong>and</strong> Prior - Symbol 11 $2,000 8Model Years 1989 <strong>and</strong> Prior - Symbol 11$5,000 13$10,000 16$25,000 21$50,000 24OPTIONAL LIMITSTRANSPORTATION EXPENSEFULL SAFETY GLASSTOWING ANDLABOR COSTSCoverage Rate Comprehensive % of full Comp Coverage perRateper Day / Maximum per Auto Deductible Prem. per Auto Disablement per Auto40 / 1200 2 250 22.0% 25250 / 1500 4 500 42.0% 5041,000 57.0% 7510068<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong> - Pref - R3 1-1-2<strong>01</strong>3
Preferred Program IOWA PREFERRED Semi-AnnualPersonal Auto Territory 34 <strong>Rates</strong>BODILY INJURYPROPERTY DAMAGE20/40 50/100 100/300 250/500 300/300 15,000 25,000 50,000 100,000 250,00043 58 71 90 92 76 81 86 90 97UNINSURED <strong>and</strong>UNDERINSURED MOTORISTSLimit UM UIM20/40 5 525/50 6 650/100 8 11100/300 10 18250/500 13 30300/300 13 32COMPREHENSIVECOLLISIONVehicle AgeVehicle AgeDeductible 1 2 3 4 5 6 7 8 9 Deductible 1 2 3 4 5 6 7 8 9$250 69 66 62 59 56 53 51 48 46 $250 200 188 176 166 152 140 132 124 116$500 59 56 53 50 48 45 43 41 39 $500 180 169 158 149 137 126 119 112 104$1000 46 43 41 39 37 35 34 32 30 $1,000 150 141 132 125 114 105 99 93 87Comprehensive rates shown are for the following base symbols:MEDICAL PAYMENTSCollision rates shown are for the following base symbols:Model Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11 LimitRate per AutoModel Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11Model Years 1990 through 2<strong>01</strong>0 - Symbol 8 $1,000 4Model Years 1990 through 2<strong>01</strong>0 - Symbol 8Model Years 1989 <strong>and</strong> Prior - Symbol 11 $2,000 7Model Years 1989 <strong>and</strong> Prior - Symbol 11$5,000 12$10,000 15$25,000 20$50,000 23OPTIONAL LIMITSTRANSPORTATION EXPENSEFULL SAFETY GLASSTOWING ANDLABOR COSTSCoverage Rate Comprehensive % of full Comp Coverage perRateper Day / Maximum per Auto Deductible Prem. per Auto Disablement per Auto40 / 1200 2 250 22.0% 25250 / 1500 4 500 42.0% 5041,000 57.0% 7510068<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong> - Pref - R4 1-1-2<strong>01</strong>3
Preferred Program IOWA PREFERRED Semi-AnnualPersonal Auto Territory 35 <strong>Rates</strong>BODILY INJURYPROPERTY DAMAGE20/40 50/100 100/300 250/500 300/300 15,000 25,000 50,000 100,000 250,00047 63 78 98 1<strong>01</strong> 69 73 78 81 88UNINSURED <strong>and</strong>UNDERINSURED MOTORISTSLimit UM UIM20/40 5 525/50 6 650/100 8 11100/300 10 18250/500 13 30300/300 13 32COMPREHENSIVECOLLISIONVehicle AgeVehicle AgeDeductible 1 2 3 4 5 6 7 8 9 Deductible 1 2 3 4 5 6 7 8 9$250 95 90 86 82 77 73 70 67 63 $250 200 188 176 166 152 140 132 124 116$500 81 77 73 69 65 62 60 57 53 $500 180 169 158 149 137 126 119 112 104$1000 63 60 56 54 51 48 46 44 41 $1,000 150 141 132 125 114 105 99 93 87Comprehensive rates shown are for the following base symbols:MEDICAL PAYMENTSCollision rates shown are for the following base symbols:Model Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11 LimitRate per AutoModel Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11Model Years 1990 through 2<strong>01</strong>0 - Symbol 8 $1,000 5Model Years 1990 through 2<strong>01</strong>0 - Symbol 8Model Years 1989 <strong>and</strong> Prior - Symbol 11 $2,000 8Model Years 1989 <strong>and</strong> Prior - Symbol 11$5,000 13$10,000 16$25,000 21$50,000 24OPTIONAL LIMITSTRANSPORTATION EXPENSEFULL SAFETY GLASSTOWING ANDLABOR COSTSCoverage Rate Comprehensive % of full Comp Coverage perRateper Day / Maximum per Auto Deductible Prem. per Auto Disablement per Auto40 / 1200 2 250 22.0% 25250 / 1500 4 500 42.0% 5041,000 57.0% 7510068<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong> - Pref - R5 1-1-2<strong>01</strong>3
Preferred Program IOWA PREFERRED Semi-AnnualPersonal Auto Territory 36 <strong>Rates</strong>BODILY INJURYPROPERTY DAMAGE20/40 50/100 100/300 250/500 300/300 15,000 25,000 50,000 100,000 250,00043 58 71 90 92 72 76 81 85 91UNINSURED <strong>and</strong>UNDERINSURED MOTORISTSLimit UM UIM20/40 5 525/50 6 650/100 8 11100/300 10 18250/500 13 30300/300 13 32COMPREHENSIVECOLLISIONVehicle AgeVehicle AgeDeductible 1 2 3 4 5 6 7 8 9 Deductible 1 2 3 4 5 6 7 8 9$250 66 63 59 57 53 51 49 46 44 $250 211 198 186 175 160 148 139 131 122$500 56 53 50 48 45 43 42 39 37 $500 190 179 167 158 144 133 125 118 110$1000 44 41 39 37 35 34 32 30 29 $1,000 158 149 139 131 120 111 104 98 92Comprehensive rates shown are for the following base symbols:MEDICAL PAYMENTSCollision rates shown are for the following base symbols:Model Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11 LimitRate per AutoModel Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11Model Years 1990 through 2<strong>01</strong>0 - Symbol 8 $1,000 4Model Years 1990 through 2<strong>01</strong>0 - Symbol 8Model Years 1989 <strong>and</strong> Prior - Symbol 11 $2,000 7Model Years 1989 <strong>and</strong> Prior - Symbol 11$5,000 12$10,000 15$25,000 20$50,000 23OPTIONAL LIMITSTRANSPORTATION EXPENSEFULL SAFETY GLASSTOWING ANDLABOR COSTSCoverage Rate Comprehensive % of full Comp Coverage perRateper Day / Maximum per Auto Deductible Prem. per Auto Disablement per Auto40 / 1200 2 250 22.0% 25250 / 1500 4 500 42.0% 5041,000 57.0% 7510068<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong> - Pref - R6 1-1-2<strong>01</strong>3
Preferred Program IOWA PREFERRED Semi-AnnualPersonal Auto Territory 37 <strong>Rates</strong>BODILY INJURYPROPERTY DAMAGE20/40 50/100 100/300 250/500 300/300 15,000 25,000 50,000 100,000 250,00057 77 95 119 123 75 80 85 89 95UNINSURED <strong>and</strong>UNDERINSURED MOTORISTSLimit UM UIM20/40 5 525/50 6 650/100 8 11100/300 10 18250/500 13 30300/300 13 32COMPREHENSIVECOLLISIONVehicle AgeVehicle AgeDeductible 1 2 3 4 5 6 7 8 9 Deductible 1 2 3 4 5 6 7 8 9$250 87 83 78 75 70 67 64 61 57 $250 232 218 204 193 176 162 153 144 135$500 74 70 67 64 60 57 55 52 49 $500 209 196 184 173 159 146 138 129 121$1000 57 55 52 49 47 44 42 40 38 $1,000 174 164 153 144 132 122 115 108 1<strong>01</strong>Comprehensive rates shown are for the following base symbols:MEDICAL PAYMENTSCollision rates shown are for the following base symbols:Model Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11 LimitRate per AutoModel Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11Model Years 1990 through 2<strong>01</strong>0 - Symbol 8 $1,000 5Model Years 1990 through 2<strong>01</strong>0 - Symbol 8Model Years 1989 <strong>and</strong> Prior - Symbol 11 $2,000 8Model Years 1989 <strong>and</strong> Prior - Symbol 11$5,000 13$10,000 16$25,000 21$50,000 24OPTIONAL LIMITSTRANSPORTATION EXPENSEFULL SAFETY GLASSTOWING ANDLABOR COSTSCoverage Rate Comprehensive % of full Comp Coverage perRateper Day / Maximum per Auto Deductible Prem. per Auto Disablement per Auto40 / 1200 2 250 22.0% 25250 / 1500 4 500 42.0% 5041,000 57.0% 7510068<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong> - Pref - R7 1-1-2<strong>01</strong>3
Preferred Program IOWA PREFERRED Semi-AnnualPersonal Auto Territory 38 <strong>Rates</strong>BODILY INJURYPROPERTY DAMAGE20/40 50/100 100/300 250/500 300/300 15,000 25,000 50,000 100,000 250,00069 93 115 144 148 87 92 98 103 110UNINSURED <strong>and</strong>UNDERINSURED MOTORISTSLimit UM UIM20/40 5 525/50 6 650/100 8 11100/300 10 18250/500 13 30300/300 13 32COMPREHENSIVECOLLISIONVehicle AgeVehicle AgeDeductible 1 2 3 4 5 6 7 8 9 Deductible 1 2 3 4 5 6 7 8 9$250 57 54 51 49 46 44 42 40 38 $250 248 233 218 206 188 174 164 154 144$500 48 46 44 42 39 37 36 34 32 $500 223 210 196 185 170 156 147 138 129$1000 38 36 34 32 30 29 28 26 25 $1,000 186 175 164 154 141 130 123 115 108Comprehensive rates shown are for the following base symbols:MEDICAL PAYMENTSCollision rates shown are for the following base symbols:Model Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11 LimitRate per AutoModel Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11Model Years 1990 through 2<strong>01</strong>0 - Symbol 8 $1,000 5Model Years 1990 through 2<strong>01</strong>0 - Symbol 8Model Years 1989 <strong>and</strong> Prior - Symbol 11 $2,000 8Model Years 1989 <strong>and</strong> Prior - Symbol 11$5,000 13$10,000 16$25,000 21$50,000 24OPTIONAL LIMITSTRANSPORTATION EXPENSEFULL SAFETY GLASSTOWING ANDLABOR COSTSCoverage Rate Comprehensive % of full Comp Coverage perRateper Day / Maximum per Auto Deductible Prem. per Auto Disablement per Auto40 / 1200 2 250 22.0% 25250 / 1500 4 500 42.0% 5041,000 57.0% 7510068<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong> - Pref - R8 1-1-2<strong>01</strong>3
Preferred Program IOWA PREFERRED Semi-AnnualPersonal Auto Territory 39 <strong>Rates</strong>BODILY INJURYPROPERTY DAMAGE20/40 50/100 100/300 250/500 300/300 15,000 25,000 50,000 100,000 250,00062 84 103 130 133 86 91 97 1<strong>01</strong> 109UNINSURED <strong>and</strong>UNDERINSURED MOTORISTSLimit UM UIM20/40 5 525/50 6 650/100 8 11100/300 10 18250/500 13 30300/300 13 32COMPREHENSIVECOLLISIONVehicle AgeVehicle AgeDeductible 1 2 3 4 5 6 7 8 9 Deductible 1 2 3 4 5 6 7 8 9$250 57 54 51 49 46 44 42 40 38 $250 263 247 231 218 200 184 174 163 153$500 48 46 44 42 39 37 36 34 32 $500 237 222 208 196 180 166 156 147 137$1000 38 36 34 32 30 29 28 26 25 $1,000 197 185 174 164 150 138 130 122 114Comprehensive rates shown are for the following base symbols:MEDICAL PAYMENTSCollision rates shown are for the following base symbols:Model Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11 LimitRate per AutoModel Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11Model Years 1990 through 2<strong>01</strong>0 - Symbol 8 $1,000 6Model Years 1990 through 2<strong>01</strong>0 - Symbol 8Model Years 1989 <strong>and</strong> Prior - Symbol 11 $2,000 9Model Years 1989 <strong>and</strong> Prior - Symbol 11$5,000 14$10,000 17$25,000 22$50,000 25OPTIONAL LIMITSTRANSPORTATION EXPENSEFULL SAFETY GLASSTOWING ANDLABOR COSTSCoverage Rate Comprehensive % of full Comp Coverage perRateper Day / Maximum per Auto Deductible Prem. per Auto Disablement per Auto40 / 1200 2 250 22.0% 25250 / 1500 4 500 42.0% 5041,000 57.0% 7510068<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong> - Pref - R9 1-1-2<strong>01</strong>3
Preferred Program IOWA PREFERRED Semi-AnnualPersonal Auto Territory 40 <strong>Rates</strong>BODILY INJURYPROPERTY DAMAGE20/40 50/100 100/300 250/500 300/300 15,000 25,000 50,000 100,000 250,00047 63 78 98 1<strong>01</strong> 76 81 86 90 97UNINSURED <strong>and</strong>UNDERINSURED MOTORISTSLimit UM UIM20/40 5 525/50 6 650/100 8 11100/300 10 18250/500 13 30300/300 13 32COMPREHENSIVECOLLISIONVehicle AgeVehicle AgeDeductible 1 2 3 4 5 6 7 8 9 Deductible 1 2 3 4 5 6 7 8 9$250 53 50 48 46 43 41 39 37 35 $250 223 210 196 185 169 156 147 138 129$500 45 43 41 39 36 35 33 32 30 $500 2<strong>01</strong> 189 177 167 153 140 132 124 116$1000 35 33 31 30 28 27 26 24 23 $1,000 167 157 147 139 127 117 110 104 97Comprehensive rates shown are for the following base symbols:MEDICAL PAYMENTSCollision rates shown are for the following base symbols:Model Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11 LimitRate per AutoModel Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11Model Years 1990 through 2<strong>01</strong>0 - Symbol 8 $1,000 4Model Years 1990 through 2<strong>01</strong>0 - Symbol 8Model Years 1989 <strong>and</strong> Prior - Symbol 11 $2,000 7Model Years 1989 <strong>and</strong> Prior - Symbol 11$5,000 12$10,000 15$25,000 20$50,000 23OPTIONAL LIMITSTRANSPORTATION EXPENSEFULL SAFETY GLASSTOWING ANDLABOR COSTSCoverage Rate Comprehensive % of full Comp Coverage perRateper Day / Maximum per Auto Deductible Prem. per Auto Disablement per Auto40 / 1200 2 250 22.0% 25250 / 1500 4 500 42.0% 5041,000 57.0% 7510068<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong> - Pref - R10 1-1-2<strong>01</strong>3
Preferred Program IOWA PREFERRED Semi-AnnualPersonal Auto Territory 41 <strong>Rates</strong>BODILY INJURYPROPERTY DAMAGE20/40 50/100 100/300 250/500 300/300 15,000 25,000 50,000 100,000 250,00071 96 118 148 153 84 89 95 99 107UNINSURED <strong>and</strong>UNDERINSURED MOTORISTSLimit UM UIM20/40 5 525/50 6 650/100 8 11100/300 10 18250/500 13 30300/300 13 32COMPREHENSIVECOLLISIONVehicle AgeVehicle AgeDeductible 1 2 3 4 5 6 7 8 9 Deductible 1 2 3 4 5 6 7 8 9$250 119 113 107 102 96 92 88 83 79 $250 252 237 222 209 192 176 166 156 146$500 1<strong>01</strong> 96 91 87 82 78 75 71 67 $500 227 213 200 188 172 159 150 141 132$1000 79 75 71 68 64 60 58 55 52 $1,000 189 178 166 157 144 132 125 117 110Comprehensive rates shown are for the following base symbols:MEDICAL PAYMENTSCollision rates shown are for the following base symbols:Model Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11 LimitRate per AutoModel Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11Model Years 1990 through 2<strong>01</strong>0 - Symbol 8 $1,000 6Model Years 1990 through 2<strong>01</strong>0 - Symbol 8Model Years 1989 <strong>and</strong> Prior - Symbol 11 $2,000 9Model Years 1989 <strong>and</strong> Prior - Symbol 11$5,000 14$10,000 17$25,000 22$50,000 25OPTIONAL LIMITSTRANSPORTATION EXPENSEFULL SAFETY GLASSTOWING ANDLABOR COSTSCoverage Rate Comprehensive % of full Comp Coverage perRateper Day / Maximum per Auto Deductible Prem. per Auto Disablement per Auto40 / 1200 2 250 22.0% 25250 / 1500 4 500 42.0% 5041,000 57.0% 7510068<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong> - Pref - R11 1-1-2<strong>01</strong>3
Preferred Program IOWA PREFERRED Semi-AnnualPersonal Auto Territory 42 <strong>Rates</strong>BODILY INJURYPROPERTY DAMAGE20/40 50/100 100/300 250/500 300/300 15,000 25,000 50,000 100,000 250,00039 53 65 82 84 57 60 64 67 72UNINSURED <strong>and</strong>UNDERINSURED MOTORISTSLimit UM UIM20/40 5 525/50 6 650/100 8 11100/300 10 18250/500 13 30300/300 13 32COMPREHENSIVECOLLISIONVehicle AgeVehicle AgeDeductible 1 2 3 4 5 6 7 8 9 Deductible 1 2 3 4 5 6 7 8 9$250 123 117 111 106 100 95 91 86 81 $250 197 185 173 164 150 138 130 122 114$500 105 99 94 90 85 81 77 73 69 $500 177 167 156 147 135 124 117 110 103$1000 81 77 73 70 66 63 60 57 54 $1,000 148 139 130 123 112 103 98 92 86Comprehensive rates shown are for the following base symbols:MEDICAL PAYMENTSCollision rates shown are for the following base symbols:Model Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11 LimitRate per AutoModel Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11Model Years 1990 through 2<strong>01</strong>0 - Symbol 8 $1,000 4Model Years 1990 through 2<strong>01</strong>0 - Symbol 8Model Years 1989 <strong>and</strong> Prior - Symbol 11 $2,000 7Model Years 1989 <strong>and</strong> Prior - Symbol 11$5,000 12$10,000 15$25,000 20$50,000 23OPTIONAL LIMITSTRANSPORTATION EXPENSEFULL SAFETY GLASSTOWING ANDLABOR COSTSCoverage Rate Comprehensive % of full Comp Coverage perRateper Day / Maximum per Auto Deductible Prem. per Auto Disablement per Auto40 / 1200 2 250 22.0% 25250 / 1500 4 500 42.0% 5041,000 57.0% 7510068<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong> - Pref - R12 1-1-2<strong>01</strong>3
Preferred Program IOWA PREFERRED Semi-AnnualPersonal Auto Territory 43 <strong>Rates</strong>BODILY INJURYPROPERTY DAMAGE20/40 50/100 100/300 250/500 300/300 15,000 25,000 50,000 100,000 250,00039 53 65 82 84 59 63 67 70 75UNINSURED <strong>and</strong>UNDERINSURED MOTORISTSLimit UM UIM20/40 5 525/50 6 650/100 8 11100/300 10 18250/500 13 30300/300 13 32COMPREHENSIVECOLLISIONVehicle AgeVehicle AgeDeductible 1 2 3 4 5 6 7 8 9 Deductible 1 2 3 4 5 6 7 8 9$250 147 140 132 126 119 113 109 103 97 $250 199 187 175 165 151 139 131 123 115$500 125 119 112 107 1<strong>01</strong> 96 92 87 82 $500 179 168 158 149 136 125 118 111 104$1000 97 92 87 83 79 75 72 68 64 $1,000 149 140 131 124 113 104 99 93 87Comprehensive rates shown are for the following base symbols:MEDICAL PAYMENTSCollision rates shown are for the following base symbols:Model Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11 LimitRate per AutoModel Years 2<strong>01</strong>1 <strong>and</strong> subsequent - Symbol 11Model Years 1990 through 2<strong>01</strong>0 - Symbol 8 $1,000 4Model Years 1990 through 2<strong>01</strong>0 - Symbol 8Model Years 1989 <strong>and</strong> Prior - Symbol 11 $2,000 7Model Years 1989 <strong>and</strong> Prior - Symbol 11$5,000 12$10,000 15$25,000 20$50,000 23OPTIONAL LIMITSTRANSPORTATION EXPENSEFULL SAFETY GLASSTOWING ANDLABOR COSTSCoverage Rate Comprehensive % of full Comp Coverage perRateper Day / Maximum per Auto Deductible Prem. per Auto Disablement per Auto40 / 1200 2 250 22.0% 25250 / 1500 4 500 42.0% 5041,000 57.0% 7510068<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong> - Pref - R13 1-1-2<strong>01</strong>3
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULESRule 1 – Eligibility1.1 Owner OccupiedA policy may be issued to an owner-occupant of a family dwelling used only for privateresidential purposes, except as permitted in Rule 1.5, <strong>and</strong> occupied by no more than twofamilies <strong>and</strong> no more than two boarders or roomers per family.Use Form 2, 3 or 5.1.2 Tenant OccupiedA policy may be issued to the tenant(s) (non-owners) of a dwelling or apartment if the residenceoccupied by the insured(s) is used only for residential purposes, except as permitted in Rule1.5, <strong>and</strong> is occupied by no more than one additional family or two boarders or roomers.Use Form 4.1.3 Unit-OwnersA policy may be issued to the owner-occupant of a condominium or co-operative unit if the unitis used only for residential purposes, except as permitted in Rule 1.5, <strong>and</strong> is occupied by nomore than one additional family or two boarders or roomers.Use Form 6.1.4 Co-Owner OccupancyA policy may be issued to one of the co-owners of a two family dwelling provided each co-owneroccupies a separate family unit within the dwelling. The dwelling must be used only for privateresidential purposes, except as permitted in Rule 1.5. Coverage for the other co-owner's interestin the dwelling <strong>and</strong> related private structures <strong>and</strong> for premises liability may be provided by theadditional insured endorsement ML-41.Use Form 2, 3 or 5.A Form 4 policy providing coverage for personal property, additional living costs, <strong>and</strong> personalliability may be issued to the other co-owner(s).1.5 Incidental Business OccupanciesAn insured may engage in certain business activities on the insured premises without affectingthe eligibility status, provided that the premises is occupied principally for private residentialpurposes. Refer to the Company for eligible business occupancies.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 1 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES1.6 Other OccupanciesAt the option of the company, a policy may be issued to:• An occupant of a one or two family dwelling under a life estate arrangement; or• An occupant of a one or two family dwelling who is purchasing the dwelling under a longtermcontract. The seller, who retains title until the contract is satisfied, must not act asmortgagee.The dwelling must be used only for private residential purposes, except as permitted in Rule1.5, <strong>and</strong> must be occupied by no more than two families <strong>and</strong> no more than two boarders orroomers per family.Coverage for the owner's/seller's interest in the dwelling <strong>and</strong> related private structures <strong>and</strong> forpremises liability may be provided by the additional insured endorsement ML-41.Use Form 2, 3 or 5.1.7 Dwellings Under ConstructionA policy may be issued to cover the interest of the intended owner-occupant of a one or twofamily dwelling under construction. The dwelling must be intended to be used only for privateresidential purposes, except as permitted in Rule 1.5, <strong>and</strong> occupied by no more than twofamilies <strong>and</strong> no more than two boarders or roomers per family.The following criteria must apply to all dwellings in the course of construction:1. The policy must be issued in the name of the intended owner-occupant (not the builder ordeveloper).2. The amount of the dwelling coverage written must be equal to 100% of the expectedcompleted value of the dwelling.3. Dwelling must be constructed by a contractor. (Owner constructed homes are not eligible.Intended owner-occupant must not be the general contractor).4. Remodeling projects are not eligible.Use Form 2, 3 or 5.For an additional premium, coverage will be provided for loss caused by:THEFT COVERAGE ENDORSEMENTCoverage may be extended to provide coverage for loss caused by theft. Coverage is providedduring construction until occupied or until expiration of the policy for up to a six month period.The most we will pay for any one occurrence is $10,000 subject to the policy deductible.Use Endorsement WN HO 03.COLLAPSE COVERAGE ENDORSEMENTCoverage may be extended to provide coverage for loss caused by collapse. Coverage isprovided during construction until occupied or until expiration of the policy for up to a six monthperiod. The most we will pay for any one occurrence is $10,000 subject to the policy deductible.Use Endorsement WN HO 04.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 2 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES1.8 Seasonal Secondary DwellingsA separate policy may be issued to cover a seasonal dwelling that otherwise meets eligibilityrequirements.Refer to Rule 11. for the liability coverage information.Use Form 2, 3, 4, 5, or 6 <strong>and</strong> indicate the seasonal occupancy on the declarations.1.9 Ineligible RisksThe following are ineligible for coverage under this manual:• Mobile/manufactured homes, trailer homes, or house trailers, whether or not set onfoundations or otherwise made stationary.• Property to which farm forms or rates apply, except as permitted in Rule 9.• Dwellings with poor housekeeping inside or outside, or where the general physical conditionof the dwelling is below average.• Dwellings or other structures with flat roofs or roofs with a pitch less than 3/12 will beineligible for special form coverages.• Dwellings that are vacant or unoccupied.• Risks that involve vicious or exotic animals or pets.• Risks involving the ownership or care of horses or other livestock. Livestock includes but isnot limited to horse(s), cattle, sheep <strong>and</strong> others kept for their services or raised for food orother products.• Risks involving unusual hazards or exposures (i.e. trampolines, skateboard ramps, hockeyrinks, unfenced hot tubs <strong>and</strong> pools, indoor hot tubs or indoor pools, etc.).• Dwellings which contain a wood burning appliance (other than an ornamental fireplace)must be submitted to <strong>Western</strong> <strong>National</strong> unbound for underwriting consideration. Only thoseappliances that have been approved by “UL” or another recognized testing laboratory maybe submitted for prior approval.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 3 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULESRule 2 – Program DescriptionThe following is a general description of the coverages provided by the homeowners policy forms. Thepolicy forms state the complete conditions.2.1 Policy FormsThe following forms are used to provide homeowners coverage.Form 2 - Broad FormForm 3 - Special FormForm 4 - Contents Broad FormForm 5 - Special Building <strong>and</strong> Contents FormForm 6 - Unit-Owner's Form2.2 Principal Property Coverages (M<strong>and</strong>atory)Forms 2, 3 <strong>and</strong> 5 provide all of the principal coverages described below. Form 4 includes onlyCoverages C <strong>and</strong> D. Form 6 includes only Coverages A, C, <strong>and</strong> D.2.2.1 Coverage A – ResidenceWith the exception of Form 6, Coverage A covers the residence on the insuredpremises, including additions <strong>and</strong> built-in components. On Form 6, Coverage A coversthe fixtures, alterations, <strong>and</strong> additions that are part of the condominium or co-operativeunit, structures owned solely by the insured, <strong>and</strong> other property that is the insured'sinsurance responsibility.2.2.2 Coverage B – Related Private StructuresCoverage B covers unattached structures on the insured premises that are related to theresidence, other than structures used for business purposes. Coverage also applies tofences, driveways, sidewalks, <strong>and</strong> other permanently installed outdoor fixtures on theinsured premises.2.2.3 Coverage C – Personal PropertyCoverage C covers personal property owned by or in the care of an insured. Coveragefor an insured's personal property usually at a residence other than the insured premisesis limited to 10% of the Coverage C limit.2.2.4 Coverage D – Additional Living Costs And Loss Of RentCoverage D covers increased living costs <strong>and</strong> loss of rent or fair rental value that occurwhen an insured loss makes the insured premises unfit for use.2.3 Loss Settlement Provisions2.3.1 Coverages A <strong>and</strong> BDepending on the Homeowner Program selected, St<strong>and</strong>ard or Preferred, insurance-tovaluerequirements triggers replacement cost loss settlement provisions for buildingscovered under Coverage A <strong>and</strong> B. The St<strong>and</strong>ard Program requires 80% insurance-tovalue<strong>and</strong> the Preferred Program requires 100% insurance-to-value. On Form 6, loss to7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 4 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULESproperty covered under Coverage A is settled on a replacement cost basis.2.3.2 Coverage CWith the exception of Preferred Form 3, Preferred Form 5, <strong>and</strong> Preferred Form 6, loss toproperty covered under Coverage C is settled on an actual cash value basis. OnPreferred Forms 3, 5 <strong>and</strong> 6, loss to property covered under Coverage C is settled on areplacement cost basis.2.4 Perils Insured AgainstForm 2 insures property covered under Coverages A, B <strong>and</strong> C <strong>and</strong> the related costs coveredunder Coverage D against all risks of direct physical loss by the perils indicated below.Perils Covered Form 2Fire or LightningXWindstorm or HailXExplosionXRiot or Civil CommotionXAircraftXVehiclesXSmokeXSinkhole CollapseXVolcanic ActionXV<strong>and</strong>alismXTheftXFalling ObjectsXWeight of Ice, Snow, or SleetXSudden <strong>and</strong> Accidental Tearing Apart, Burning, or Bulging XAccidental Discharge of Liquids or Steam FreezingXSudden <strong>and</strong> Accidental Damage from Electrical Currents XForm 3 insures property covered under Coverages A <strong>and</strong> B <strong>and</strong> the related costs coveredunder Coverage D against all risks of direct physical loss, with certain exceptions. Propertycovered under Coverage C is insured against risks of direct physical loss by the perils shown forForm 2.Form 4 insures property covered under Coverage C, the insured's interest in buildingimprovements <strong>and</strong> betterments, <strong>and</strong> the related costs covered under Coverage D against risksof direct physical loss by the perils shown for Form 2.Form 5 insures property covered under Coverages A, B, <strong>and</strong> C <strong>and</strong> the related costs coveredunder Coverage D against all risks of direct physical loss, with certain exceptions.Form 6 insures property covered under Coverages A <strong>and</strong> C <strong>and</strong> the related costs coveredunder Coverage D against risks of direct physical loss by the perils shown for Form 2.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 5 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES2.5 Principal Liability Coverages (M<strong>and</strong>atory)Coverage L – Personal Liability – Coverage L pays on behalf of the insured for damages dueto bodily injury or property damage caused by an occurrence related to the insured premises orthe insured's personal activities.Coverage M – Medical Payments To Others – Coverage M pays medical expenses incurredby persons who are not insureds if bodily injury occurs in connection with the insured premisesor the insured's personal activities.Coverages L <strong>and</strong> M can be omitted when contributing insurance applies or when the policy iswritten to cover an additional or secondary location. See Rules 3.9 <strong>and</strong> 11.2.6 Basic LimitsThe following basic limits apply to the coverages provided by the homeowners policy:PropertyCoverages Forms 2 & 3 Form 4 Form 5 Form 6ResidenceRefer to applicableState Exception<strong>and</strong> Rate PagesRefer to applicableState Exception<strong>and</strong> Rate Pages10% of limiton personalpropertyRelated PrivateStructures10% of limit onresidence10% of limiton residencePersonal Property70% of limiton residenceRefer to applicableState Exception<strong>and</strong> Rate Pages70% of limiton residenceRefer to applicableState Exception<strong>and</strong> Rate PagesAdditionalLiving Costs &Loss of Rent20%* of limiton residence40% of limiton personalproperty20%* of limiton residence40%* of limiton personalproperty* limit to be determined by Homeowner program selected - St<strong>and</strong>ard or PreferredLiabilityCoveragesCoverage LCoverage MAll Forms$100,000 Each Occurrence$1,000 Per PersonAt the option of the company, the Coverage L <strong>and</strong> Coverage M limits can be reduced in theSt<strong>and</strong>ard Homeowner Program. See Rules 8.2 <strong>and</strong> 8.3.7-1-2<strong>01</strong>0 <strong>IA</strong> -Rules - 6 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULESRule 3 – Policywriting Instructions3.1 Inception TimeThe policy may be issued to take effect at 12:<strong>01</strong> A.M. st<strong>and</strong>ard time on the inception date.3.2 Policy Term3.2.1 AnnualRating information for annual policies is shown in this manual. Policies may not bewritten for terms of less than one year except as specified in the rules shown below.3.2.2 Less Than One YearA policy may be written for a term of less than one year in order to maintain commonanniversary dates with other policies. Refer to Company.3.3 Minimum PremiumAt the option of the company, a minimum annual premium charge can apply to each policy.Refer to the Company for the applicable minimum charge.3.4 EndorsementsInformation called for as entries on endorsements can instead be shown on the declarations ora supplemental schedule.3.5 Additional InterestsA homeowners policy can be endorsed to cover the interests of co-owners, executors,administrators, trustees, or beneficiaries in the insured premises or the interests of otherresidents of the insured premises.3.5.1 Interests In Coverages A & B <strong>and</strong> Premises Liability – Forms 2, 3, 5, <strong>and</strong> 6A policy can be endorsed at no additional premium charge to cover the insurableinterests of others in the covered property <strong>and</strong> their liability arising out of the insuredpremises.Attach Endorsement ML-41 <strong>and</strong> make entries to show the location of the premises, thenames of the additional insureds, <strong>and</strong> the extent of their interests.3.5.2 Residents Of the HouseholdA policy can be endorsed to provide personal property <strong>and</strong> personal liability coverage forresidents of the named insured's household who are not related to the insured <strong>and</strong> whowould not otherwise be covered as an insured under the policy. Use the ratinginformation shown in this manual.Attach Endorsement ML-433 <strong>and</strong> make entries to show the names of the additionalinsureds.7-1-2<strong>01</strong>0 <strong>IA</strong> -Rules - 7 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES3.5.3 L<strong>and</strong>lordsA policy can be endorsed at no additional premium charge to provide coverage for al<strong>and</strong>lord for liability arising out of the insured premises. Coverage applies only while theinsured leases or occupies the premises.Attach Endorsement ML-416 <strong>and</strong> make entries to show the location of the premises <strong>and</strong>the names of the additional insureds.3.5.4 Interest In Coverages A, B, C, L, <strong>and</strong> MA policy can be endorsed at no additional premium charge to cover the insurableinterests of others in property covered under Coverages A, B, <strong>and</strong> C <strong>and</strong> their liabilityarising out of all premises insured under Coverages L <strong>and</strong> M.Attach Endorsement ML 0672 <strong>and</strong> make entries to show the names of the additionalinsureds <strong>and</strong> the extent of their interests.3.6 Transfer Or AssignmentAt the option of the company, a policy can be endorsed to effect:• Transfer to another location within the same state; or• Assignment from one insured to another in the event of transfer of title of the dwelling.Refer to Company for additional guidelines.3.7 Restriction Of CoverageIf a policy would not be issued because of unusual exposures, the applicant may request arestriction of coverage at no reduction of premium. The request, signed by the applicant, mustbe referred to the Company.3.8 Cancellation Or Changes In Limits Or CoveragesPolicies must be canceled in accordance with the terms of all applicable cancellation provisions.M<strong>and</strong>atory coverages may not be canceled unless the entire policy is canceled.If a policy is canceled or the limits are reduced, the amount of any return premium due iscalculated on a pro rata basis, subject to any minimum premium requirement.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 8 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES3.9 Contributing <strong>Insurance</strong>Coverage under the property section of the policy can be divided between two or morecompanies.• All policies must contain the same form, deductible, <strong>and</strong> property endorsements.• All additional limits <strong>and</strong> coverages that apply to the property coverages must be dividedbetween the companies. Coverage for scheduled personal property can be shared at theoption of the companies.• All liability coverage must be assumed entirely by one of the companies. Subtract the liabilitycredit shown in this manual from the total premium <strong>and</strong> divide the remaining premiumbetween the companies. The company assuming the liability coverage adds to theirpremium the liability amount that was subtracted as well as any premium for additionalliability limits <strong>and</strong>/or coverages.• All policies must include the policy number <strong>and</strong> company names <strong>and</strong> must identify thecompany providing the liability coverage.• Attach Endorsement ML-178 <strong>and</strong> make the necessary entries.3.10 Waiver Of PremiumWaiver of additional or return premium is not applicable.3.11 InterpolationRating information for a limit that is between two limits shown in this manual can be developedby interpolation.3.12 Conditional EndorsementsSee applicable State exception pages.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 9 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULESRule 4 – Premium DeterminationThe basic policy rating information shown in this manual contemplates the property <strong>and</strong> liabilitycoverages described in Rule 2.Unless liability coverage is deleted, coverage for the following liability exposures is required if theyexist:• All domestic employees of an insured not covered or not required to be covered by Workers'Compensation <strong>Insurance</strong>;• All additional or secondary residence premises where an insured maintains a residence, other thanbusiness or farm properties; <strong>and</strong>• Incidental office, professional, private school, or studio occupancies by an insured on residentialpremises of an insured.Use the rating information shown in this manual.4.1 Calculation Of PremiumThe premium is computed as follows:Step 1 Determine the basic policy premium. The basic policy premium will take intoconsideration the following:a. Base premiums as displayed in State Rate Pages,b. Any townhouse surcharge,c. An increase or decrease in Coverage A, B, C or D, <strong>and</strong>d. Any modification due to a deductible option.a, b, c, <strong>and</strong> d = Basic Policy Premium• See Rule 4.2 to determine the basic policy premium for Forms 2 <strong>and</strong> 3 when EndorsementML-255 or ML-256 is attached.• For all other forms, determine the basic policy premium based on the amount of Coverage Aor Coverage C, as applicable, using the basic policy rating information shown in this manual.Step 2Step 3Adjust the result of Step 1 by any applicable premium modification factors, premiumcredits or surcharges.Add the result of Step 2 to the charges for any other m<strong>and</strong>atory or optional property orliability coverages that apply.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 10 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES4.2 Modified Loss Settlement Terms – Coverages A <strong>and</strong> B – Forms 2 <strong>and</strong> 3St<strong>and</strong>ard Homeowner Program ONLY4.2.1 Repair CostAt the option of the company, the loss settlement provisions that apply to buildingscovered under Coverages A <strong>and</strong> B can be converted from replacement cost coverage torepair cost coverage. Repair cost is the cost to repair or replace the building to acondition <strong>and</strong> appearance similar to that which existed at the time of loss, utilizingcommonly used materials that are readily available in the local area.Step 1 Establish the Coverage A limit.Step 2 Determine the percentage of the repair cost that the Coverage A limitrepresents. (Example: If the estimated cost to repair or replace the residencewith commonly used <strong>and</strong> readily available materials is $100,000 <strong>and</strong> theCoverage A limit shown on the declarations is $50,000, the Coverage A limitrepresents 50% of the repair cost)Step 3 Using the rating information shown in this manual, select the appropriatemodifier for the percentage determined in Step 2. (Example: 50% = 1.21modifier)Step 4 Use the basic policy rating information shown in this manual to determine thepremium for the amount determined in Step 1. (Example: Determine thepremium for $50,000)Step 5 Multiply the result of Step 4 by the appropriate modifier selected in Step 3.(Example: Multiply the premium from Step 4 by 1.21 <strong>and</strong> round to the nearestdollar)Attach Endorsement ML-255.4.2.2 Modified Replacement CostAt the option of the company, coverage for partial losses can be provided on areplacement cost basis when the limit on the residence is less than 80% of itsreplacement value.Step 1 Establish the Coverage A limit.Step 2 Determine the percentage of the replacement value that the Coverage A limitrepresents. (Example: If the replacement value of the residence is $100,000<strong>and</strong> the Coverage A limit shown on the declarations is $50,000, the CoverageA limit represents 50% of the replacement value)Step 3 Using the rating information shown in this manual, select the appropriatemodifier for the percentage determined in Step 2. (Example: 50% = 1.24modifier)Step 4 Use the basic policy rating information shown in this manual to determine thepremium for the amount determined in Step 1. (Example: Determine thepremium for $50,000)Step 5 Multiply the result of Step 4 by the appropriate modifier selected in Step 3.(Example: Multiply the premium from Step 4 by 1.24 <strong>and</strong> round to the nearestdollar)Attach Endorsement ML-256 <strong>and</strong> make an entry to show the percentage that applies.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 11 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES4.3 Unit-Owner's Personal Property – Special CoverageCoverage for personal property in condominium or co-operative units not regularly rented orheld for rental to others can be provided against all risks of direct physical loss, with certainexceptions.Determine the basic policy premium by multiplying the basic policy rating information shown inthis manual for the applicable Coverage C limit by the factor shown in this manual.Attach Endorsement ML-429 to Form 6.4.4 Row And Townhouses – SurchargeThe premium for an eligible owner-occupied dwelling in a townhouse or rowhouse is determinedas shown in the State Rate Pages.Each individual unit of the row or townhouse is considered when determining the number offamily units <strong>and</strong> the appropriate surcharge factor.4.5 Changes In Limits Or Addition Of CoveragesPolicy limits may be increased or coverages added during the policy term. Compute theadditional premium due on a pro rata basis using the same forms, endorsements, rules <strong>and</strong>rating information in effect when the current policy premiums were calculated.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 12 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULESRule 5 – DeductiblesA deductible amount is subtracted from all covered property losses, except those losses covered by thefollowing Incidental Property Coverages: Emergency Removal; Fire Department Service Charge; CreditCard, Forgery, <strong>and</strong> Counterfeit Money; Grave Markers; Loss Assessment; Refrigerated Food Spoilage;<strong>and</strong>, if applicable, Lock <strong>and</strong> Garage Door Transmitter Replacement.The deductible amount is subtracted only once per occurrence at each location, regardless of thenumber of covered items affected.5.1 Common Loss DeductibleCommon Loss Deductible form WN IL 07 is added to all Homeowner policies. This formchanges the deductible provision. When an insured has more than one policy (homeowner,personal auto <strong>and</strong>/or motorcycle) insured with <strong>Western</strong> <strong>National</strong> <strong>Insurance</strong> Group, they have theoption of choosing only the single highest deductible applicable to these policies whenever anoccurrence involves more than one policy.5.2 Flat Deductibles – All PerilsA flat deductible applies to all perils for Forms 4 <strong>and</strong> 6, <strong>and</strong> to all perils except wind <strong>and</strong>/or hailfor Forms 2, 3 <strong>and</strong> 5.Deductible AmountSt<strong>and</strong>ard Program St<strong>and</strong>ard Program Preferred Program Preferred ProgramForms 2 <strong>and</strong> 3 Forms 4 <strong>and</strong> 6 Forms 3 <strong>and</strong> 5 Form 6$ 500 $ 500 $ 500 $ 50<strong>01</strong>,000 1,000 1,000 1,00<strong>01</strong>,500 1,500 1,500 1,5002,500 2,500 2,500 2,5005,000 5,000 5,000 5,00<strong>01</strong>0,000 10,000 10,000 10,000Use the factors shown in this manual to adjust the premium <strong>and</strong> show the deductible amount onthe declarations. Deductible credits are NOT subject to maximum dollar amounts.5.3 Higher Windstorm Or Hail DeductiblesPolicy Forms 2, 3 <strong>and</strong> 5 will be issued with a minimum deductible of $1,000 applicable to losscaused by perils of windstorm <strong>and</strong>/or hail. The windstorm or hail deductible must be expressedas a flat dollar amount.Windstorm or hail deductibles in excess of $1,000 are also available for Forms 2, 3 <strong>and</strong> 5.Use the factors shown in this manual to adjust the premium. These factors are to be used in lieuof the factors shown in Rule 5.2.When a windstorm or hail deductible applies, show the deductible amounts on the declarations.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 13 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULESRule 6 – Premium Modifications6.1 Protective DevicesUse the protective device factors shown in this manual to adjust the premium for the installationof the following approved <strong>and</strong> properly maintained alarm <strong>and</strong>/or sprinkler systems: (Credits canbe added together subject to a maximum credit of 8%)• Central Station Burglary <strong>and</strong>/or Fire Alarms• Fire Department <strong>and</strong>/or Police Department Alarms• Local Alarms, including smoke <strong>and</strong>/or gas detection• Sprinkler SystemsAttach Endorsement ML-216.6.2 Fire Resistive And Specifically Rated BuildingsWhen a dwelling, apartment, condominium or co-operative unit is situated in a building of fireresistive or fireproof construction, use the basic rating information shown for brick or masonryconstruction.6.3 Exp<strong>and</strong>ed Ordinance Or Law CoverageThe limitation that applies to the incidental coverage for ordinance or law (25% of the limit thatapplies to damaged property) can be removed. When the limitation is removed, the limit thatapplies to covered property includes coverage for the increased cost which results from theenforcement of a code, ordinance or law which regulates the use, construction, repair,demolition or removal of property following a covered loss. If the covered loss plus theincreased cost is more than the applicable limit, an extra 10% of the applicable limit is availableto cover the increased cost.Use the rating information shown in this manual.Attach Endorsement ML-257.6.4 Replacement Value – Personal Property (Not Applicable To Form 5)The loss settlement provisions that apply to personal property <strong>and</strong> various miscellaneous itemscan be converted from actual cash value coverage to replacement cost coverage. When thisoption is selected, the personal property limit may not be reduced below the limit specified inRule 2.6. Use the factors shown in this manual to adjust the premium.Attach Endorsement ML-55.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 14 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES6.5 Automatic Adjustment Of Limits6.5.1 Forms 2, 3 <strong>and</strong> 5Coverage is automatically increased or decreased (Coverages A, B <strong>and</strong> C) on an annualbasis, based upon relevant factors including, but not limited to, the Consumer PriceIndex supplied by the U.S. Department of Labor, residential reconstruction <strong>and</strong> repaircost factors, <strong>and</strong> trends reflective of market conditions. There is no charge for thisendorsement.Attach Endorsement WN HO 096.5.2 Forms 4 <strong>and</strong> 6Coverage A if applicable, Coverage C <strong>and</strong> Coverage D are automatically increased by4% on an annual basis. There is no charge for this endorsement.Attach Endorsement WN HO 53.6.6 Exp<strong>and</strong>ed Debris Removal Coverage – Forms 2 <strong>and</strong> 3The limitation that applies to the incidental coverage for debris removal (25% of the limit thatapplies to the damaged property) can be removed. When the limitation is removed, the limit thatapplies to covered property includes coverage for the cost of removing the debris of thatproperty following a covered loss. If the covered loss plus the cost of debris removal is morethan the applicable limit, an extra 5% of the applicable limit is available to cover debris removal.Use the factor shown in this manual to adjust the premium.For St<strong>and</strong>ard Program attach Endorsement WN HO 17. The Preferred Homeowner Programincludes this coverage for no additional premium.6.7 <strong>Insurance</strong> Score DiscountThe highest insurance score of a Named Insured or spouse (if a resident of the samehousehold) shall determine the <strong>Insurance</strong> Score Discount that applies to the policy premium.An insurance score shall be reordered every year, <strong>and</strong> any change in the discount shall beapplied upon renewal. In the event of a reduction of the insurance score upon reordering, tierreassignment shall be limited to a maximum of two tiers. If a revised insurance score isreported to the Company resulting from a discrepancy or error in the insured’s credit history, thediscount will be revised with the adjusted premium effective at inception of the new or renewalpolicy.6.8 Age Of Systems Rating PlanA rating factor shall be applied based upon the age of the plumbing, electrical, heating, <strong>and</strong>cooling systems of the dwelling. If the following work has been completed within a ten-yearperiod by a competent contractor <strong>and</strong> conforms to local code requirements, then the earliestyear in which any one of the utility systems has been updated determines the applicable ratingfactor, otherwise the age of the dwelling determines the rating factor.1-1-2<strong>01</strong>3 <strong>IA</strong> - Rules - 15 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES• Plumbing – New water supply lines throughout the house as well as all new plumbingfixtures <strong>and</strong> components.• Electrical – Replacement of circuit breaker or fuse panel, wiring, <strong>and</strong> electrical fixtures <strong>and</strong>components, <strong>and</strong> an upgrade of amps to meet modern household dem<strong>and</strong>s.• Heating <strong>and</strong> Cooling – New furnace or the replacement of furnace burners, heatexchangers, <strong>and</strong> blower motor, <strong>and</strong>, if centrally air-conditioned, new air-conditioning unit orthe replacement of air-conditioning compressors.Apply the factor to the base premium displayed on the State Rate Pages only. Do not apply thefactor to the premium charges developed for optional coverages or higher limits of anycoverage. Do not apply the factor mid-term.The Age of Systems Rating Plan applies only to Preferred Forms 3 <strong>and</strong> 5.6.9 Windstorm Or Hail Loss To Roof Surfacing – Actual Cash Value SettlementThe loss settlement provisions that apply to Coverage A – Building <strong>and</strong> Coverage B – RelatedPrivate Structures can be converted from replacement cost to actual cash value for roofsurfacing losses due to Windstorm or Hail.This actual cash value loss settlement provision is optional for homes with roof surfacing of anyage.Attach Endorsement WN HO 28.6.10 Type Of Roof Rating Plan – Forms 2, 3 <strong>and</strong> 5A rating factor shall be applied based upon the roof covering of the structure insured underCoverage A.6.11 Type Of Siding Rating Plan – Forms 2, 3 <strong>and</strong> 5A rating factor shall be applied based upon the exterior wall covering of the structure insuredunder Coverage A.6.12 Multi-Policy DiscountA multi-policy discount shall apply if an eligible personal auto policy is written with <strong>Western</strong><strong>National</strong> Mutual.• To be eligible for the credit, both the homeowner policy <strong>and</strong> the auto policy must be writtenfor the same named insured <strong>and</strong> under the same account number.• If the auto policy is cancelled, the credit will be removed from the homeowner policy at thenext renewal.• If the auto policy is written after the effective date of the homeowner policy, the discount willapply on the next renewal date.• The credit is not applicable to seasonal homeowner policies or dwelling property policies.1-1-2<strong>01</strong>3 <strong>IA</strong> - Rules - 16 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULESRule 7 – Optional Property Coverages7.1 EarthquakeCoverage for direct physical loss caused by earthquake can be added.A special deductible provision applies to loss caused by earthquake. Refer to Endorsement ML-54 for the earthquake deductible amount that applies.Forms 2 <strong>and</strong> 3 – Apply the rating information shown in this manual to the Coverage A limitshown on the declarations.Form 4 – Apply the rating information shown in this manual to the Coverage C limit shown onthe declarations.Form 5 – Apply the rating information shown in this manual to the Coverage A limit shown onthe declarations.Form 6 – Apply the rating information shown in this manual to the Coverage C limit shown onthe declarations.Attach Endorsement ML-54.7.2 Wood Burning And Other Solid Fuel-Burning Device – SurchargeREFER TO COMPANY BEFORE COVERAGE IS BOUND.A Wood Burning Stove Questionnaire or a Solid Fuel Questionnaire <strong>and</strong> photos of the unit arerequired. These items must be submitted “unbound” to <strong>Western</strong> <strong>National</strong> for underwritingconsideration.A solid fuel-burning device can be defined as a chimney-connected device that burns solid fueldesigned for purposes of heating. There are many types of sold fuel-burning appliancesincluding, but not limited to, free st<strong>and</strong>ing wood burning stoves/appliances, wood burningfurnaces, pellet burning stoves, fireplace inserts, etc.This surcharge will apply to all wood burning <strong>and</strong> solid fuel-burning devices used for thesupplemental heating of the dwelling. A fireplace used for occasional heating of one room orornamental usage does not apply to this surcharge.The premium for a one or two family owner occupied dwelling will be increased by the rateshown in the State Rage Pages <strong>and</strong> added to the Basic Policy Premiums.NOT ACCEPTABLENo fireplace insertsNo more than one heating appliance in the same chimneyNo wood <strong>and</strong> gas multiple venting or wood/gas combination unitsNo wood add on units vented into the cold air returnNo waste heat circulators, heat reclaimers, or heat extractorsNo TOTAL wood heatNo HOMEMADE wood burning stovesNo Multiple Venting – Two separate appliances into one chimneyNo wood burning appliance in any garage or garage-type outbuilding7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 17 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES7.3 Private Structures – Forms 2, 3 <strong>and</strong> 57.3.1 Increased LimitAn additional amount of insurance can be provided for specific related private structuresthat are covered under Coverage B. Use the rating information shown in this manual.Attach Endorsement ML-48 <strong>and</strong> make entries to describe the covered structures <strong>and</strong>show the additional amount of coverage that applies to each structure.7.3.2 Rented To OthersCoverage can be provided for related private structures on the described premisesrented or held for rental to others, used for residential purposes, <strong>and</strong> occupied by nomore than two families. Use the rating information shown in this manual. The limitshown on the declarations for Coverage B does not apply.Attach Endorsement ML-40 <strong>and</strong> make entries to describe the covered structures,indicate the number of families, <strong>and</strong> show the amount of coverage that applies to eachstructure.Refer to Rule 8.6 for liability coverage information.7.3.3 With Incidental OccupanciesCoverage for private structures on the described premises with an office, professional,private school, or studio occupancy can be provided. Use the rating information shown inthis manual. The limit shown on the declarations for Coverage B does not apply.Attach Endorsement ML-42 <strong>and</strong> make entries to describe the business, describe thecovered structures, <strong>and</strong> show the amount of coverage that applies to each structure.Refer to Rule 8.10 for liability coverage information.7.3.4 Reserved For Future Use7.3.5 Away From Premises – Coverage B ExtensionThe Coverage B limit can be extended to apply to private structure(s) owned by thenamed insured, located away from the described premises, <strong>and</strong> used in connection withthe described premises. Coverage is not provided for structures capable of being usedas a residence or for structures used for business purposes. This extension of coveragedoes not increase the Coverage B limit. Use the rating information shown in this manual.Attach Endorsement ML-417.7.3.6 Away From Premises – Specifically Scheduled StructuresCoverage can be provided for specific private structure(s) owned by the named insured,located away from the described premises, <strong>and</strong> used in connection with the describedpremises. Coverage is not provided for structures capable of being used as a residenceor for structures used for business purposes. The limit that applies to Coverage B doesnot apply to specifically scheduled structures. Use the rating information shown in thismanual.Attach Endorsement ML-418 <strong>and</strong> make entries to describe the covered structures <strong>and</strong>show their locations <strong>and</strong> the amount of coverage that applies to each structure.1-1-2<strong>01</strong>3 <strong>IA</strong> - Rules - 18 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES7.3.7 Reduced Or Eliminated LimitThe Coverage B limit can be reduced or eliminated. Show the Coverage B limit on thedeclarations.7.4 Personal Property7.4.1 Increased Limit – Forms 2, 3 <strong>and</strong> 5The Coverage C limit can be increased. Use the rating information shown in this manual.Show the Coverage C limit on the declarations.7.4.2 Reduced Or Eliminated Limit – Forms 2, 3 <strong>and</strong> 5The Coverage C limit can be reduced or eliminated, however, this option is not permittedwhen Endorsement ML-55 is attached. Refer to the Company when Endorsement ML-42or another business occupancy endorsement is attached. Use the rating informationshown in this manual.Show the Coverage C limit on the declarations.7.5 Accidental Discharge – Water-Filled Furniture (Not Applicable To Form 5, Or Form 6With ML-429)Coverage can be provided for direct physical loss to covered property caused by the accidentaldischarge or overflow of liquids from water-filled furniture. Use the rating information shown inthis manual.Attach Endorsement ML-421.7.6 Money And SecuritiesThe special limits under Coverage C that apply to loss to money, securities, <strong>and</strong> related itemscan be increased. Use the rating information shown in this manual.Attach Endorsement ML-65 <strong>and</strong> make entries to show the amount of each increase <strong>and</strong> the totallimits that apply.7.7 Unscheduled Jewelry, Watches, And Furs – Forms 2, 3, 4, 5, <strong>and</strong> 6The special limit under Coverage C that applies to loss to unscheduled jewelry, watches, <strong>and</strong>furs can be increased. Use the rating information shown in this manual.Attach Endorsement ML-65 <strong>and</strong> make an entry to show the amount of the increase <strong>and</strong> the totallimit that applies.7.8 Guns – Forms 2, 3, 4, 5, <strong>and</strong> 6The special limit under Coverage C that applies to loss to guns can be increased. Use the ratinginformation shown in this manual.Attach Endorsement ML-65 <strong>and</strong> make an entry to show the amount of the increase <strong>and</strong> the totallimit that applies.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 19 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES7.9 Silverware, Goldware, And Pewterware – Forms 2, 3, 4, 5, <strong>and</strong> 6The special limit under Coverage C that applies to loss to silverware, goldware, <strong>and</strong> pewterwarecan be increased. Use the rating information shown in this manual.Attach Endorsement ML-65 <strong>and</strong> make an entry to show the amount of the increase <strong>and</strong> the totallimit that applies.7.10 Business PropertyThe special limit under Coverage C for loss to personal property used for business purposeswhile on the insured premises can be increased. Use the rating information shown in thismanual.The special limit that applies to personal property used for business purposes while away fromthe insured premises is automatically increased to 10% of the total limit that applies to personalproperty used for business purposes while on the insured premises.Attach Endorsement ML-65 <strong>and</strong> make an entry to show the amount of the increase <strong>and</strong> the totallimit that applies.7.11 Electronic DevicesThe special limit under Coverage C that applies to loss to electronic devices, accessories, <strong>and</strong>antennas that can be operated from the electrical system of a motorized vehicle or watercraft<strong>and</strong> other sources of power can be increased. Use the rating information shown in this manual.Attach Endorsement ML-65 <strong>and</strong> make an entry to show the amount of the increase <strong>and</strong> the totallimit that applies.7.12 ComputersCoverage for computer data processing equipment <strong>and</strong> software can be provided for all risks ofdirect physical loss, with certain exceptions. Use the rating information shown in this manual.Attach Endorsement ML-170 <strong>and</strong> make entries to describe the covered property <strong>and</strong> show thelimits that apply.7.13 Refrigerated Food SpoilageThe limit that applies to the incidental coverage for refrigerated food spoilage can be increased.Use the rating information shown in this manual.Attach Endorsement ML-30 <strong>and</strong> make an entry to show the amount of the increase <strong>and</strong> the totallimit that applies.7.14 Additional Living Costs And Loss Of RentRefer to the applicable program’s exception pages.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 20 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES7.15 Credit Cards And Depositors ForgeryThe limit that applies to the incidental coverage for loss by forgery or alteration of credit cards,checks or drafts, or acceptance of counterfeit paper currency can be increased. Use the ratinginformation shown in this manual.Attach Endorsement ML-30 <strong>and</strong> make an entry to show the amount of the increase <strong>and</strong> the totallimit that applies.7.16 Tenant's Improvements – Form 4 – St<strong>and</strong>ard Program OnlyThe limit that applies to the incidental coverage for tenant's improvements (10% of theCoverage C limit) can be increased. Use the rating information shown in this manual.When establishing the limit for tenant's improvements, consider that the limit includes coveragefor the increased cost which results from the enforcement of a code, ordinance, or law whichregulates the use, construction, repair, demolition, or removal of property following a coveredloss.Attach Endorsement ML-30 <strong>and</strong> make an entry to show the amount of the increase <strong>and</strong> the totallimit that applies.7.17 Fire Department Service ChargeThe limit that applies to the incidental coverage for fire department service charges can beincreased. Use the rating information shown in this manual.Attach Endorsement ML-30 <strong>and</strong> make an entry to show the amount of the increase <strong>and</strong> the totallimit that applies.7.18 Scheduled Personal PropertyCoverage for scheduled personal property can be provided against all risks of direct physicalloss, with certain exceptions. Use the rating information provided by the Company.Attach endorsements ML-61 <strong>and</strong> ML-61A <strong>and</strong> make entries to describe the covered property<strong>and</strong> show the limits that apply.7.19 Scheduled Glass – Forms 2, 3, 5 <strong>and</strong> 6Coverage for scheduled glass that is part of a building covered under Coverages A or B can beprovided against all risks of direct physical loss, with certain exceptions. Use the ratinginformation provided by the Company.Attach Endorsement ML-68 <strong>and</strong> make entries to describe the covered glass <strong>and</strong> show the limitsthat apply.1-1-2<strong>01</strong>3 <strong>IA</strong> - Rules - 21 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES7.20 Water Damage – Sewers, Drains, And SumpsCoverage can be provided for direct physical loss to covered property caused by water orsewage which backs up through sewers or drains or overflows from a sump pump.Limits can be purchased in increments of $5,000. A 30 day waiting period applies to theeffective date of coverage.Coverage does not apply if loss results from the negligence of the insured. The basic policydeductible provisions apply.Attach Endorsement WN HO 33.7.21 Loss Assessment7.21.1 Increased Limit – Described LocationThe $1500 limit that applies to the incidental property <strong>and</strong> liability coverages for lossassessment arising out of the described location can be increased. Coverage does notapply to assessments resulting from a deductible in the insurance purchased by theassociation. Use the rating information shown in this manual.Attach Endorsement ML 0217 <strong>and</strong> make entries to show the total limit.7.21.2 Additional LocationsThe incidental property <strong>and</strong> liability coverages for loss assessment can be extended toapply to additional locations owned or rented by an insured. A specific limit applies ateach additional location. Use the rating information shown in this manual.Attach Endorsement ML 0050 <strong>and</strong> make entries to show the location <strong>and</strong> amount ofcoverage that applies for each premises.7.21.3 Association Deductible – Increased Limit – Described LocationThe $1500 limit that applies to the incidental property coverage for associationdeductibles arising out of the described location can be increased. Use the ratinginformation shown in this manual.Attach Endorsement ML 0217 <strong>and</strong> make entries to show the total limit.7.21.4 Association Deductible – Additional LocationsCoverage can be provided for association deductibles arising out of additional locations.Use the rating information shown in this manual.Attach Endorsement ML 0218 <strong>and</strong> make entries to describe the additional locations <strong>and</strong>the applicable limits.7.21.5 EarthquakeCoverage for loss assessment arising from direct loss to property caused by earthquakecan be added. Use the rating information shown for Rule 7.1 in this manual.Attach Endorsement ML-53.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 22 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES7.22 Coverage A Options – Form 6 Only7.22.1 Increased LimitThe Coverage A limit can be increased. Use the rating information shown in this manual.Show the Coverage A limit on the declarations.7.22.2 Special CoverageCoverage for property covered under Coverage A can be provided against all risks ofdirect physical loss, with certain exceptions. Use the rating information shown in thismanual.Attach Endorsement ML-32.7.23 Golf CartsCoverage for direct physical loss to specified golf carts caused by a Coverage C peril orcollision or overturn can be added. Use the rating information shown in this manual. Thiscoverage is subject to a $500 deductible, regardless of the policy deductible.Attach Endorsement ML-431 <strong>and</strong> make entries to describe the covered property <strong>and</strong> show thelimit that applies.7.24 Exp<strong>and</strong>ed Replacement Cost – Forms 3 <strong>and</strong> 5 – PROTECTED PROPERTIES ONLY(Not Applicable If ML-255 Or ML-256 Is Attached)At the option of the company, the replacement cost terms that apply to Coverage A can beexp<strong>and</strong>ed to pay up to 140% of the Coverage A limit when a covered loss exceeds the limitshown on the declarations <strong>and</strong> the insured elects to repair or replace the residence. TheCoverage A limit shown on the declarations must equal at least 100% of the residence'sreplacement cost at policy inception or at the time the exp<strong>and</strong>ed replacement cost terms areadded to the policy.Use the rating information shown in this manual.Attach Endorsement WN HO 10.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 23 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES7.25 Boat Owners SupplementCoverage can be provided for direct physical loss to boats, motors, trailers, <strong>and</strong> miscellaneousequipment on an Actual Cash Value basis.The limit for each boat, motor, trailer, <strong>and</strong> other property should be based on the item’s actualcash value.The maximum boat age is 15 years. Older boats must be referred to the Company beforecoverage is bound. A photo <strong>and</strong> an appraisal will be required on boats, motors, <strong>and</strong> trailersover 15 years old.The maximum speed allowed is 50 MPH. Boats capable of higher speeds must be referred tothe Company before coverage is bound.Eligible Boats• Owned by individuals for personal use• Less than 30 feet in length• 15 years or less in age• Capable of maximum speeds not greater than 50 MPH• Valued at $50,000 or lessIneligible Boats• Air propelled or powered boats• Amphibious vehicles• Boats used or developed for experimental purposes• Converted military surplus vessels• Home-built or kit-built boats• House boats used as year-round or seasonal residences• Hovercraft• Hydrofoils or Hydroplanes• Ice boats• Personal watercraft, such as “Jetskis”, “Skidoos” or “Waverunners”• Power boats owned for racing purposes• Property used for business, charter or other commercial purposes• Submersible watercraftAttach Endorsement WN HO 16.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 24 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES7.26 Snowmobile CoverageCoverage for direct physical loss to specified snowmobile(s) can be provided on an actual cashvalue basis caused by a Coverage C peril or collision, subject to certain exclusions.The limit for each snowmobile should be based on the snowmobile’s actual cash value.Eligible Snowmobiles• Owned by individuals for personal use. The names of all operators, their dates of birth <strong>and</strong>driver’s license numbers, if appropriate, must be provided.• The engine size is 600 cc’s or under. NOTE - when the engine size is over 600 cc’s, refer tothe underwriting department before coverage is bound.Ineligible Snowmobiles – Do Not Bind• The engine size is over 600 cc’s.• Snowmobiles used in racing or stunts, used commercially or rented or leased to others.• Risks when “any” insured/operator has an adverse motor vehicle record.• Snowmobiles of any size written on a tenants homeowners policy. (Refer to Company)• Snowmobiles modified for increased performance.Attach Endorsement WN HO 19.7.27 Identity Fraud Expense Coverage – Primary Locations OnlyCoverage can be provided for expenses incurred by an insured as the direct result of identityfraud. Identity fraud occurs when an individual’s personal identifying information is used withouthis or her permission to purchase goods or services, obtain credit, borrow money, or otherwiseviolate federal, state, or local law.Coverage is provided for expenses resulting from identity fraud that occurs at any time prior tothe end of the policy period <strong>and</strong> is discovered by the insured during the policy period or duringthe one year period that follows. In the event that the insured obtains replacement identity fraudexpense coverage, the one year extended discovery period terminates as of the date thereplacement coverage takes effect.Covered expenses include:• Costs for obtaining, reproducing, notarizing, or sending affidavits or other pertinentdocuments;• Costs for telephone calls;• research fees;• lost earnings, not to exceed a maximum of $250 per day, per insured, or a total of $5,000 forlost earnings of all insureds;• loan application fees for reapplying for a loan; <strong>and</strong>• attorney fees to defend lawsuits, remove criminal or civil judgments, or challenge informationprovided in a consumer credit report.$10,000 limit included. For optional higher limits, use the rating information shown in theException Pages.Attach Endorsement WN HO 35.1-1-2<strong>01</strong>1 <strong>IA</strong> - Rules - 25 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES7.28 Windstorm Or Hail Loss To Roof Surfacing – Scheduled Structures – Actual Cash ValueSettlementThe loss settlement provisions that apply to Coverage B – Related Private Structures can beconverted from replacement cost to actual cash value for roof surfacing losses due toWindstorm or Hail.This actual cash value loss settlement provision should be selected for specific structures forwhich replacement cost loss settlement is not appropriate.There is no premium change for this endorsement.Attach Endorsement WN HO 54 <strong>and</strong> make entries to describe the covered structures.7.29 Equipment Breakdown CoverageCoverage can be added for direct physical loss to covered property on the insured premisesthat is caused by equipment breakdown. The limit for this coverage is $50,000 per occurrence.A deductible of $500 applies per occurrence regardless of the policy deductible. Use the ratinginformation shown in this manual.Attach Endorsement WN HO 62.1-1-2<strong>01</strong>1 <strong>IA</strong> - Rules - 26 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULESRule 8 – Optional Liability CoveragesAll m<strong>and</strong>atory <strong>and</strong> optional liability coverages must be written at the same limit.8.1 Increased Limits – Coverages L <strong>and</strong> MThe limits for Coverages L <strong>and</strong> M can be increased. Use the rating information shown in thismanual.8.2 Reduced Coverage L LimitAt the option of the company, the Coverage L each occurrence limit can be reduced from$100,000 to $25,000 or $50,000.Show the Coverage L limit on the declarations.8.2.1 Basic CoverageUse the rating information shown in this manual.8.2.2 Optional CoveragesWhen the Coverage L each occurrence limit is reduced, the premium for an optionalliability coverage is determined by multiplying the rating information by the applicablefactor shown in this manual.8.3 Reduced Coverage M LimitAt the option of the company, the per person limit for Coverage M can be reduced from $1,000to $500. Use the rating information provided by the company.Show the Coverage M per person limit on the declarations.8.4 Domestic EmployeesCoverage for liability arising out of injuries sustained by domestic employees of an insured notcovered or not required to be covered by Workers' Compensation <strong>Insurance</strong> is included underthe liability section of the policy. A charge is required for each domestic employee in excess oftwo, except:• Employees working less than half of the customary full time; or• Employees to whom the policy's Coverage L exclusion for bodily injury to persons coveredor required to be covered by workers' compensation insurance applies.Use the rating information shown in this manual.Make an entry on the declarations to show the number of domestic employees.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 27 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES8.5 Additional Residence Premises – Occupied By An InsuredCoverage for liability arising out of all additional or secondary residence premises where aninsured maintains a residence, other than business or farm properties, is required. Use therating information shown in this manual.Make entries on the declarations to show the locations of all additional <strong>and</strong> secondary residencepremises to which the liability coverages apply.8.6 Additional Residence Premises – Rented To OthersCoverage for liability arising out of additional one <strong>and</strong> two family dwellings owned by the insured<strong>and</strong> rented or held for rental to others can be added. Use the rating information shown in thismanual.Attach Endorsement ML-70 <strong>and</strong> make entries to show the location(s) of the covered premises<strong>and</strong> to indicate the number of families at each premises.8.7 Private Structures – Rented To OthersIf coverage is provided under the property coverages for private structures rented to others,coverage for liability arising out of those structures is also provided. Use the rating informationfor Rule 8.6, Additional Residence Premises - Rented to Others, to make the charge for theliability exposure.Attach Endorsement ML-40 <strong>and</strong> make entries to describe the covered structures <strong>and</strong> indicatethe number of families.8.8 Waterbed Liability – Form 4Coverage for liability for property damage arising out of the ownership or use of a waterbed onthe insured premises can be added. Use the rating information shown in this manual.Attach Endorsement ML-209.8.9 Business Activities – Business Not Owned By The InsuredCoverage for liability arising out of an insured's business activities, other than activities relatedto a business of which the insured is sole owner or a partner, can be added. Use the ratinginformation shown in this manual.Eligible business activities are classified as shown below. Make the appropriate charge for eachcovered person.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 28 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULESClassifications:8.9.1 Clerical Office EmployeesEngaged wholly in office work <strong>and</strong> having no other duty in or about the employer'spremises.8.9.2 Salespersons, Collectors, Or MessengersNo installation, demonstration, or service operations.8.9.3 Salespersons, Collectors, Or MessengersIncluding installation, demonstration, or service operations.8.9.4 TeachersAthletic, laboratory, manual training, physical training, or swimming instruction, excludingcoverage for liability arising out of the corporal punishment of pupils.8.9.5 TeachersNot otherwise classified, excluding coverage for liability arising out of the corporalpunishment of pupils.8.9.6 TeachersCoverage for liability arising out of the corporal punishment of pupils. The additionalpremium for this classification must be added to the premium for classifications 8.9.4 or8.9.5.Refer to the Company for occupations not classified.Attach Endorsement ML-71 <strong>and</strong> make entries to show the names of the covered persons <strong>and</strong>the covered business activities. If applicable, make an entry to show that coverage for liabilityarising out of the corporal punishment of pupils is included.8.10 Office, Professional, Private School, Or Studio OccupancyCoverage for liability arising out of an incidental office, professional, private school, or studiooccupancy in the residence, in a related private structure on the insured premises, or at anadditional residence premises occupied by the insured can be added when:• The premises are occupied principally for residential purposes;• The business is conducted by an insured; <strong>and</strong>• There is no other business conducted on the premises.Use the rating information shown in this manual.Attach Endorsement ML-42 <strong>and</strong> make entries to describe the business <strong>and</strong> its location.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 29 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES8.11 Owned Snowmobiles – Off PremisesCoverage for liability arising out of the off premises use of snowmobiles may be provided for allsnowmobile(s) (regardless of number) owned by an Insured residing in the Named Insured’shousehold at the premium shown in the State Rate Pages. The premium charged contemplatesthe seasonal usage <strong>and</strong> is considered fully earned.• Attach Endorsement ML-164 – Make entries to describe each covered snowmobile.• Snowmobiles over 600 cc engine size – Refer to Company before coverage may be bound.8.12 WatercraftCoverage for liability arising out of the use of certain types of watercraft may be provided forwatercraft not covered by the policy at the premiums shown in the State Rate Pages. Thepremium charged contemplates the seasonal usage <strong>and</strong> is considered fully earned premium.• For rating purposes, combine the horsepower of all outboard motors used together with anysingle watercraft owned by the insured.• Sailboats 26 to 40 feet inclusive equipped with auxiliary power are classed as in-boardmotor boats.• Personal Watercraft – i.e. jet skis, water bikes or scooters, waverunners or similar watercraft– Refer to Company before coverage may be bound.Attach Endorsement ML-758.13 Outboard MotorsLiability coverage for watercraft powered by outboard motors is included. We pay for BodilyInjury <strong>and</strong> Property Damage resulting from the maintenance, use, loading or unloading ofwatercraft powered by outboard motors.8.14 Personal InjuryPersonal liability coverage can be extended to include coverage for personal injury. Personalinjury means damages for which the insured is liable arising out of offenses such as false arrest,libel, sl<strong>and</strong>er, <strong>and</strong> invasion of privacy of another. Use the rating information shown in thismanual.Attach Endorsement ML-46.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 30 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULES8.15 Reserved For Future Use8.16 Golf Cart Liability CoverageCoverage for liability arising out of the off-premises use of golf carts for purposes other thangolfing can be added. The golf carts must be owned by an insured who resides in the namedinsured's household <strong>and</strong> must not be subject to motor vehicle registration. A separate chargeapplies for each covered golf cart. Use the rating information shown in this manual.Attach Endorsement ML-432 <strong>and</strong> make entries to describe each covered golf cart.8.17 Motorized Vehicle Liability CoverageCoverage for liability arising out of the off-premises use of certain motorized vehicles can beadded. Coverage does not apply to:• Golf carts;• Vehicles capable of speed greater than 15 miles per hour; or• Vehicles subject to motor vehicle registration.Use the rating information shown in this manual.Attach Endorsement ML-428.1-1-2<strong>01</strong>3 <strong>IA</strong> - Rules - 31 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULESRule 9 – Optional Farm Coverages – LiabilityAll m<strong>and</strong>atory <strong>and</strong> optional liability coverages must be written at the same limit.9.1 Incidental Farming – Garden PlotsWhen farming is not the business of the insured, coverage for liability arising out of an insured'sincidental farming activities on or away from the insured premises can be added. Incidentalfarming includes activities such as the farming of garden plots. Use the rating information shownin this manual.Attach Endorsement ML-320 <strong>and</strong> make an entry to show the location of the farming activities.9.2 Farm Personal Liability – NOT AVAILABLE THROUGH WESTERN NATIONAL.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 32 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULESRule 10 – Optional Supplemental Coverages10.1 Supplemental Income – Child CareCoverage can be provided for the actual loss of earnings for time spent caring for an eligiblechild in the event of illness, accident or injury. An eligible child is a resident of the namedinsured’s household who is under the age of 18 <strong>and</strong> is:• Related to the named insured by blood, marriage, or adoption;• A ward or foster child; or• Under the legal custody of the named insured.Payments under this coverage are limited to $60 per day <strong>and</strong> $300 annually. No deductibleapplies to this coverage.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 33 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULESRule 11 – Additional And Secondary Locations11.1 Same State11.1.1 Separate PolicyCoverage for an additional or secondary location in the same state that meets theeligibility requirements set forth in this manual can be provided by issuing a separatepolicy. Personal liability coverage can be deleted from the policy that covers theadditional location if liability coverage for the additional residence premises occupied byan insured is added to the policy that covers the primary location.Use the rating information shown in this manual to determine the premium for theadditional location. If appropriate, apply the credit shown in Rule 11.3 for the deletion ofpersonal liability coverage.On the primary policy, use the rating information shown in Rule 8.5 to make a liabilitycharge for the additional residence premises occupied by an insured.11.2 Other StateCoverage for an additional or secondary location in another state that meets the eligibilityrequirements set forth in this manual can be provided by issuing a separate policy. Thecompany that issues the policy for the additional location must be licensed to write homeownerspolicies in the state where the additional premises is located.Personal liability coverage can be deleted from the policy that covers the additional location ifliability coverage for the additional residence premises occupied by the insured is added to thepolicy that covers the primary location.To determine the premium for the additional location, use the rating information shown in themanual applicable in the state in which the additional premises is located.Use the rating information shown in the manual applicable in the state in which the primaryresidence is located to make a liability charge for the additional residence occupied by aninsured.11.3 Credit For Liability CoverageAs noted in Rules 11.1 <strong>and</strong> 11.2, personal liability coverage can be deleted from a policy thatcovers an additional or secondary location. The policy must be endorsed or amended to indicatethat liability coverage for the additional or secondary location is provided by the homeownerspolicy covering the primary location.Apply the credit shown in this manual for the deletion of personal liability coverage.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 34 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyIOWA HOMEOWNER RULESConstruction DefinitionsMasonryA building with walls of masonry veneered construction is to be classified as Masonry.FrameA building with walls of frame, or metal-sheathed or stuccoed frame construction, or with walls of metalor metal lath <strong>and</strong> plaster on combustible supports is to be classified as Frame.Mixed ConstructionA building is to be classed as Frame when the wall area of frame construction (including gables)exceeds 33-1/3% of the total wall area.Fire Protection DefinitionsThe location of the building(s) determines its fire protection classification as defined below:ProtectedBuildings located within five road miles of a responding fire department <strong>and</strong>:• Within 1,000 feet of a fire hydrant; or• Within 1,000 feet of a year-round water source of at least 3,500 gallons <strong>and</strong> the responding firedepartment is equipped to respond with pumper truck capabilities; or• The responding fire department is equipped to respond with pumper/tanker truck capabilities of atleast 3,500 gallonsare to be classified as Protected.Partially ProtectedBuildings located within five road miles of a responding fire department but that do not otherwise qualifyfor the Protected classification are to be classified as Partially Protected.UnprotectedBuildings that do not qualify for the Protected or Partially Protected classifications are to be classifiedas Unprotected.7-1-2<strong>01</strong>0 <strong>IA</strong> - Rules - 35 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyHOMEOWNER TERRITORY PAGESIOWAZIP CODE Territory ZIP CODE Territory ZIP CODE Territory500<strong>01</strong> 41150002 41550003 41450005 41450006 43450007 41350008 4<strong>01</strong>50009 41350<strong>01</strong>0 41450<strong>01</strong>1 41450<strong>01</strong>2 41450<strong>01</strong>3 41450<strong>01</strong>4 41450020 41650021 41350022 41650023 41350025 41550026 41550027 40250028 41150029 41550031 41450032 41350033 41450034 43450035 41350036 41450037 41450038 41450039 41450040 41450041 43450042 41550043 43450044 41150046 41450047 41150048 41550049 40250050 41550051 41450052 4<strong>01</strong>50054 41150055 41450056 41450057 41150058 41550059 41550060 4<strong>01</strong>50061 41450062 41150063 41450064 41550065 40250066 41450067 40250068 40250069 41450070 41450071 43450072 41450073 41350074 40250075 41550076 41550078 4145<strong>01</strong><strong>01</strong> 4345<strong>01</strong>02 4155<strong>01</strong>03 4025<strong>01</strong>04 4025<strong>01</strong>05 4145<strong>01</strong>06 4145<strong>01</strong>07 4155<strong>01</strong>08 4025<strong>01</strong>09 4145<strong>01</strong>10 4155<strong>01</strong>11 4135<strong>01</strong>12 4065<strong>01</strong>15 4155<strong>01</strong>16 4115<strong>01</strong>17 4155<strong>01</strong>18 4115<strong>01</strong>19 4115<strong>01</strong>20 4145<strong>01</strong>22 4155<strong>01</strong>23 4<strong>01</strong>5<strong>01</strong>24 4145<strong>01</strong>25 4115<strong>01</strong>26 4345<strong>01</strong>27 4115<strong>01</strong>28 4155<strong>01</strong>29 4155<strong>01</strong>30 4155<strong>01</strong>31 4135<strong>01</strong>32 4345<strong>01</strong>33 4025<strong>01</strong>34 4145<strong>01</strong>35 4115<strong>01</strong>36 4025<strong>01</strong>37 4115<strong>01</strong>38 4115<strong>01</strong>39 4115<strong>01</strong>40 4025<strong>01</strong>41 4145<strong>01</strong>42 4145<strong>01</strong>43 4025<strong>01</strong>44 4025<strong>01</strong>45 4115<strong>01</strong>46 4145<strong>01</strong>47 4<strong>01</strong>5<strong>01</strong>48 4145<strong>01</strong>49 4165<strong>01</strong>50 4025<strong>01</strong>51 4025<strong>01</strong>52 4145<strong>01</strong>53 4115<strong>01</strong>54 4145<strong>01</strong>55 4145<strong>01</strong>56 4145<strong>01</strong>57 4065<strong>01</strong>58 4145<strong>01</strong>60 4115<strong>01</strong>61 4135<strong>01</strong>62 4145<strong>01</strong>63 4115<strong>01</strong>64 4155<strong>01</strong>65 4<strong>01</strong>5<strong>01</strong>66 4115<strong>01</strong>67 4145<strong>01</strong>68 4115<strong>01</strong>69 4135<strong>01</strong>70 4115<strong>01</strong>71 4065<strong>01</strong>73 4155<strong>01</strong>74 402502<strong>01</strong> 41450206 4151-1-2<strong>01</strong>3 <strong>IA</strong>-HO-T-1 Territory Pages
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyHOMEOWNER TERRITORY PAGESIOWAZIP CODE Territory ZIP CODE Territory ZIP CODE Territory50207 40250208 41150210 41150211 41150212 41450213 40250214 41150216 41550217 41550218 41450219 41150220 41450222 41450223 41450225 41150226 41350227 43450228 41150229 41150230 41550231 41550232 41150233 41450234 41450235 41550236 41450237 41350238 40250239 41450240 41450241 41150242 40650243 41350244 41350246 41550247 41450248 41450249 41550250 41650251 41150252 41150254 41650255 40250256 41150257 41450258 41550259 41550261 41450262 40250263 41450264 40250265 41350266 41450268 40250269 41550271 43450272 40250273 41450274 41650275 40250276 41450277 41550278 414503<strong>01</strong> 41250302 41250303 41250304 41250305 41250306 41250307 41250308 41250309 41250310 41250311 41250312 41250313 41250314 41250315 41250316 41250317 41250318 41250319 41250320 41250321 41250322 41350323 41350325 41350327 41250328 41250329 41250330 41250331 41250332 41250333 41250334 41250335 41250336 41250339 41250340 41250347 41250359 41250360 41250361 41250362 41250363 41250364 41250367 41250368 41250369 41250380 41250381 41250391 41250392 41250393 41250394 41250395 41250396 41250397 41250398 413504<strong>01</strong> 43450402 43450420 43450421 43450423 43550424 41850426 40550427 43450428 43450430 43550431 43450432 41850433 43450434 40550435 43450436 41850438 43550439 43550440 4051-1-2<strong>01</strong>3 <strong>IA</strong>-HO-T-2 Territory Pages
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyHOMEOWNER TERRITORY PAGESIOWAZIP CODE Territory ZIP CODE Territory ZIP CODE Territory50441 43450444 40550446 40550447 43550448 40550449 43550450 41850451 41850452 43450453 41850454 40550455 40550456 40550457 43450458 43450459 40550460 43250461 40550464 40550465 41850466 40550467 40550468 43450469 43450470 43450471 43450472 40550473 41850475 43450476 40550477 43450478 41850479 43450480 41850481 40550482 43450483 43550484 418505<strong>01</strong> 43450510 41850511 43550514 41850515 41850516 43450517 41850518 43450519 43550520 43450521 41550522 41850523 43450524 43450525 43450526 43450527 41850528 41850529 43450530 41550531 41850532 43450533 43450535 41850536 41850538 41550539 41850540 41850541 43450542 43450543 41550544 41550545 43450546 41850548 43450551 41550552 41550554 41850556 41850557 43450558 43450559 41850560 43550561 41550562 41850563 41550565 41850566 43450567 41850568 41850569 43450570 43450571 41850573 41850574 41850575 41550576 41850577 43450578 41850579 41550581 41850582 43450583 41850585 41850586 41550588 41850590 41850591 43450592 41850593 41850594 43450595 43450597 41850598 41850599 434506<strong>01</strong> 43450602 43450603 43250604 43450605 43450606 43250607 43250608 43450609 41550611 43450612 43450613 41050614 41050616 43450619 43450620 43450621 41550622 43450623 41050624 43450625 43450626 41050627 43450628 40550629 4321-1-2<strong>01</strong>3 <strong>IA</strong>-HO-T-3 Territory Pages
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyHOMEOWNER TERRITORY PAGESIOWAZIP CODE Territory ZIP CODE Territory ZIP CODE Territory50630 43250631 43450632 41550633 43450634 41050635 41550636 43450638 43450641 43250642 43450643 41050644 43250645 43250647 43450648 41050649 43450650 43250651 41050652 41550653 43450654 43250655 43250657 43450658 43250659 43250660 43450661 43250662 43250664 43250665 43450666 43450667 40950668 43450669 43450670 43450671 43250672 43450673 43450674 43450675 41550676 43450677 43450680 43450681 43250682 432507<strong>01</strong> 40950702 40950703 40950704 40950706 40950707 409508<strong>01</strong> 41650830 41650831 41650833 40250835 40250836 40250837 41650839 40250840 40250841 40250842 41650843 41650845 40250846 41650847 41650848 40250849 41650851 40250853 41650854 40250857 40250858 41650859 40250860 40250861 41650862 40250863 40250864 41650936 41250940 41250947 41250950 41250980 41250981 412510<strong>01</strong> 42151002 41851003 42151004 42051005 41851006 41851007 42051008 42151009 41851<strong>01</strong>0 41851<strong>01</strong>1 42151<strong>01</strong>2 41851<strong>01</strong>4 41851<strong>01</strong>5 42051<strong>01</strong>6 42051<strong>01</strong>8 42051<strong>01</strong>9 42051020 41851022 41851023 42151024 42151025 41851026 42051027 42151028 42151029 41851030 42051031 42151033 41851034 41851035 41851036 42151037 41851038 42151039 42051040 41851041 42151044 42051045 42151046 41851047 41851048 42051049 41851050 42151051 41851052 42051053 41851054 42051055 42051056 42051058 41851060 41851061 4181-1-2<strong>01</strong>3 <strong>IA</strong>-HO-T-4 Territory Pages
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyHOMEOWNER TERRITORY PAGESIOWAZIP CODE Territory ZIP CODE Territory ZIP CODE Territory51062 42151063 418511<strong>01</strong> 41951102 41951103 41951104 41951105 41951106 41951108 41951109 42151111 419512<strong>01</strong> 41851230 42151231 41851232 42151234 42151235 42151237 42151238 42151239 42151240 42151241 42151242 42151243 42151244 42151245 41851246 42151247 42151248 41851249 42151250 421513<strong>01</strong> 41851331 41851333 41851334 41851338 41851340 41851341 41851342 41851343 41851345 42151346 41851347 41851350 42151351 41851354 42151355 41851357 41851358 41851360 41851363 41851364 41851365 41851366 418514<strong>01</strong> 41551430 41551431 41851432 41551433 41851436 41551439 41551440 41551441 41551442 41551443 41551444 41551445 41851446 41851447 41851448 41551449 41551450 41851451 41551452 41551453 41551454 41551455 41551458 41851459 41551460 41551461 41551462 41551463 41551465 41551466 41851467 415515<strong>01</strong> 41751502 41751503 41751510 41751520 41551521 41751523 41851525 41751526 41751527 41851528 41551529 41851530 41851531 41851532 41651533 41651534 41651535 41651536 41751537 41851540 41651541 41651542 41751543 41551544 41651545 41851546 41851548 41751549 41751550 41851551 41651552 41651553 41751554 41651555 41851556 41851557 41851558 41851559 41751560 41751561 41651562 41851563 41851564 41851565 41851566 41651570 41851571 41651572 41851573 41651575 41751576 4171-1-2<strong>01</strong>3 <strong>IA</strong>-HO-T-5 Territory Pages
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyHOMEOWNER TERRITORY PAGESIOWAZIP CODE Territory ZIP CODE Territory ZIP CODE Territory51577 41751578 41851579 41851591 41651593 418516<strong>01</strong> 41651602 41651603 41651630 41651631 41651632 41651636 41651637 41651638 41651639 41651640 41651645 41651646 40251647 41651648 41651649 41651650 41651651 41651652 41651653 41651654 41651656 416520<strong>01</strong> 40552002 40552003 40552004 40552030 40552031 40552032 40552033 40552035 40552036 43252037 40552038 43252039 40552040 40552041 43252042 43252043 43252044 40552045 40552046 40552047 43252048 40552049 40552050 43252052 40552053 40552054 40552056 40552057 43252060 40552064 40552065 40552066 40552068 40552069 40552070 40552071 40552072 43252073 40552074 40552075 40552076 43252077 43252078 40552079 40552099 405521<strong>01</strong> 40552132 43252133 43252134 40552135 43252136 40552140 40552141 43252142 43252144 43252146 40552147 43252149 40552151 40552154 43252155 40552156 43252157 40552158 40552159 40552160 40552161 43252162 43252163 40552164 43252165 40552166 43252168 43252169 43252170 40552171 43252172 40552175 432522<strong>01</strong> 40252202 40852203 40652204 40652205 43252206 43352207 40552208 40652209 40652210 43252211 40652212 40552213 40852214 40852215 41552216 40552217 41552218 40852219 40852220 40652221 40652222 40652223 43252224 43452225 41552227 40852228 40852229 43352231 40252232 40652233 40852235 4061-1-2<strong>01</strong>3 <strong>IA</strong>-HO-T-6 Territory Pages
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyHOMEOWNER TERRITORY PAGESIOWAZIP CODE Territory ZIP CODE Territory ZIP CODE Territory52236 40652237 43252240 43352241 43352242 43352243 43352244 43352245 43352246 43352247 40252248 40252249 40652251 40652252 43252253 43252254 40552255 40552257 406523<strong>01</strong> 40652302 40852305 43252306 43252307 40652308 40652309 40552310 43252312 43252313 43352314 40852315 43352316 40652317 43352318 43352319 43352320 40552321 40552322 40652323 40552324 40852325 40652326 43252327 40252328 40852329 43252330 43252332 43352333 43352334 40652335 40252336 40852337 40552338 43352339 41552340 43352341 40852342 41552344 40852345 43352346 43352347 40652348 41552349 43352350 40852351 43352352 40852353 40252354 43352355 40252356 40252358 43252359 40252361 40652362 405524<strong>01</strong> 40752402 40752403 40752404 40752405 40752406 40752407 40752408 40752409 40752410 40752411 40752497 40752498 40752499 407525<strong>01</strong> 40252530 40252531 40252533 40252534 40252535 4<strong>01</strong>52536 40252537 4<strong>01</strong>52540 40252542 4<strong>01</strong>52543 40252544 4<strong>01</strong>52548 40252549 4<strong>01</strong>52550 40252551 4<strong>01</strong>52552 4<strong>01</strong>52553 40252554 40252555 4<strong>01</strong>52556 40252557 40252560 4<strong>01</strong>52561 40252562 40252563 40252565 4<strong>01</strong>52566 40252567 40252568 40252569 40252570 4<strong>01</strong>52571 4<strong>01</strong>52572 4<strong>01</strong>52573 4<strong>01</strong>52574 4<strong>01</strong>52576 40252577 40252580 40252581 4<strong>01</strong>52583 4<strong>01</strong>52584 4<strong>01</strong>52585 40252586 40252588 4<strong>01</strong>52590 4<strong>01</strong>52591 40252593 4<strong>01</strong>52594 4<strong>01</strong>52595 402526<strong>01</strong> 4<strong>01</strong>1-1-2<strong>01</strong>3 <strong>IA</strong>-HO-T-7 Territory Pages
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyHOMEOWNER TERRITORY PAGESIOWAZIP CODE Territory ZIP CODE Territory ZIP CODE Territory52619 4<strong>01</strong>52620 4<strong>01</strong>52621 40252623 4<strong>01</strong>52624 4<strong>01</strong>52625 4<strong>01</strong>52626 4<strong>01</strong>52627 4<strong>01</strong>52630 4<strong>01</strong>52631 4<strong>01</strong>52632 4<strong>01</strong>52635 40252637 4<strong>01</strong>52638 4<strong>01</strong>52639 4<strong>01</strong>52640 4<strong>01</strong>52641 40252644 40252645 40252646 4<strong>01</strong>52647 40252648 4<strong>01</strong>52649 40252650 4<strong>01</strong>52651 4<strong>01</strong>52652 40252653 4<strong>01</strong>52654 40252655 4<strong>01</strong>52656 4<strong>01</strong>52657 4<strong>01</strong>52658 4<strong>01</strong>52659 40252660 4<strong>01</strong>527<strong>01</strong> 40552720 40552721 40552722 40452726 40452727 40552728 40452729 40552730 40552731 40552732 40552733 40552734 40552736 40552737 4<strong>01</strong>52738 4<strong>01</strong>52739 40552742 40552745 40452746 40452747 40552748 40452749 40552750 40552751 40552752 4<strong>01</strong>52753 40452754 40552755 40652756 40452757 40552758 40452759 40552760 40552761 40552765 40452766 40552767 40452768 40452769 40452771 40552772 40552773 40452774 40552776 43252777 40552778 405528<strong>01</strong> 40352802 40352803 40352804 40352805 40352806 40352807 40352808 40352809 4031-1-2<strong>01</strong>3 <strong>IA</strong>-HO-T-8 Territory Pages
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyEXPANDED COVERAGE PROGRAM FORMS AND ENDORSEMENTSIOWA PREFERRED HOMEOWNER PROGRAMFormForm 3Form 5Form 6NameSpecial FormSpecial Building And Contents FormUnit-Owners FormM<strong>and</strong>atory EndorsementsML 0217 Loss Assessment And Association Deductible Amendatory EndorsementML 4902 Limited Coverage For Loss By Wet Rot, Dry Rot, Bacteria, Fungi, Or ProtistsML-46 Personal Injury (Form 3 <strong>and</strong> Form 6 Only)ML-55 Replacement Value Loss Settlement Terms (Form 3 <strong>and</strong> Form 6 Only)ML-147 Punitive Damage ExclusionML-223 Lead Liability ExclusionML-257 Ordinance Or Law (Form 3 <strong>and</strong> Form 6 Only)ML-429 Unit-Owners Personal Property – Special Coverage (Form 6 Only)ML-435 Pollution Liability ExclusionML-483 Calendar Date Or Time Failure ExclusionWN HO 07 Amendment Of Policy Terms – Form 5WN HO 08 Amendment Of Policy Terms – Form 3 Or Form 6WN HO 10 Exp<strong>and</strong>ed Replacement Cost Terms (Form 3 <strong>and</strong> Form 6 Only)WN HO 15 Owner Occupancy – Condition Applicable To Property CoverageWN HO 17 Exp<strong>and</strong>ed Debris Removal (Form 3 Only)WN HO 35 Identity Fraud Expense Coverage (Primary Locations Only)WN HO 49 Earth Movement And Water Damage Exclusion (Form 3 <strong>and</strong> Form 6 Only)WN HO 50 Earth Movement And Water Damage Exclusion – Form 5WN HO 53 Automatic Adjustment Of Limits (Form 4 <strong>and</strong> Form 6 Only)WN HO 57 Amendatory Endorsement – IowaWN IL 07 Common Loss DeductibleWN IL 13 Mutual Policy ConditionsWN IL 43 Joint And Individual InterestsWN IL 45 Iowa Disclosure Notice – Actual Cash Value SettlementOther EndorsementsML 0050ML 0218ML 0672ML-30ML-32ML-40Loss Assessment Coverage – Additional LocationsAssociation Deductible Coverage – Additional LocationsAdditional Insured – Coverages A, B, C, L <strong>and</strong> MIncidental Property Coverages – Higher LimitsUnit-Owners Additions – Special CoverageRelated Private Structures Rented To Others1-1-2<strong>01</strong>3 <strong>IA</strong>-HO-P-F-1 Forms & EndorsementsIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyEXPANDED COVERAGE PROGRAM FORMS AND ENDORSEMENTSIOWA PREFERRED HOMEOWNER PROGRAMOther Endorsements (cont'd)FormML-41ML-42ML-48ML-53ML-54ML-65ML-68ML-70ML-71ML-75ML-164ML-170ML-216ML-320ML-416ML-417ML-418ML-421ML-428ML-432ML-433WN HO 03WN HO 04WN HO 11WN HO 16WN HO 19WN HO 28WN HO 33WN HO 39WN HO 54WN HO 61WN HO 62WN HO 69WN HO 70WN IL 02NameAdditional InsuredOffice, Professional, Private School, Or Studio OccupancyRelated Private StructuresEarthquake Loss AssessmentEarthquake CoverageCoverage C – Higher Limits On Certain PropertyScheduled GlassAdditional Residential Premises Rented To Others – Liability Coverage OnlyBusiness ActivitiesWatercraftSnowmobile – Liability Coverage OnlyComputer CoverageProtective DevicesIncidental FarmingAdditional Insured – L<strong>and</strong>lordRelated Private Structures – Away From PremisesScheduled Related Private Structures – Away From PremisesAccidental Discharge Or Overflow Coverage – Water-Filled FurnitureMotorized Vehicle Liability CoverageGolf Cart Liability CoverageAdditional Insured – Residents Of HouseholdTheft Endorsement (New Dwellings Under Construction)Collapse Coverage (New Dwellings Under Construction)Loss PayeeBoat Owner’s CoverageSnowmobile CoverageWindstorm Or Hail Loss To Roof Surfacing – Actual Cash Value SettlementWater Damage – Sewers, Drains, And SumpsSupplemental Income – Child CareWindstorm Or Hail Loss To Roof Surfacing – Scheduled Structures – Actual Cash Value LossSettlementGolf Cart CoverageEquipment Breakdown Enhancement EndorsementScheduled Personal Property CoverageScheduled Personal Property Coverage – ScheduleEndorsement1-1-2<strong>01</strong>3 <strong>IA</strong>-HO-P-F-2 Forms & EndorsementsIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGESPOLICYWRITING INSTRUCTIONS AND PREMIUM DETERMINATIONRULE1.7 Dwellings Under ConstructionTheft EndorsementAttach Endorsement WN HO 03.Collapse Coverage EndorsementAttach Endorsement WN HO 04.$ 24 Flat ChargeFully Earned$ 24 Flat ChargeFully Earned7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-P-E-1 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGES2.6 Basic Limits – Preferred Homeowner ProgramThe following basic limits apply to the coverages provided by the homeowners policy:PropertyCoverages Form 3 Form 5 Form 6Residence 100,000 100,000 10% of limit onpersonal propertyRelated PrivateStructures10% of limit onresidence10% of limit onresidencePersonal Property70% of limit onresidence70% of limit onresidence25,000Additional LivingCosts & Loss ofRentActual Loss/12 MonthsActual Loss/12 MonthsActual Loss/12 MonthsLiabilityCoveragesCoverage LCoverage MAll Forms$ 100,000 Each Occurrence$ 1,000 Per Person3.9 Contributing <strong>Insurance</strong>Currently NOT AVAILABLE3.12 Conditional Endorsements – This rule does not apply.4.2 Modified Loss Settlement Terms – Coverages A <strong>and</strong> B – Forms 3 <strong>and</strong> 54.2.1 Repair CostNot Available in Preferred Program.4.2.2 Modified Replacement CostNot Available in Preferred Program.4.3 Unit Owner’s Personal Property – Special Coverage IncludedAttach Endorsement ML-429.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-P-E-2 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGES4.4 Row And Townhouses – Class RatedNumber of Individual Units 1-2 3-4 5-8 Over 8Increase basic premium by 1.00 1.10 1.25 N/A5.2 Deductible Options5.2.1 Forms 3 <strong>and</strong> 5Credit Factor$ 500 See basic policy premium 1.0<strong>01</strong>,000 12% .881,500 20% .802,500 26% .745,000 36% .6410,000 40% .605.2.2 Form 6CreditFactor$ 500 See basic policy premium 1.0<strong>01</strong>,000 12% .881,500 17% .832,500 23% .775,000 33% .6710,000 38% .62Show Deductible on Declarations. Deductible credits are NOT subject to maximumdollar amounts.5.3 Higher Windstorm or Hail Deductible Factors – Flat Dollar AmountForms 3 <strong>and</strong> 5All Other PerilsDeductibleIncreased Windstorm or HailDeductible$1,000 $1,500 $2,000 $5,000$ 500 1.00 .93 .89 .831,000 N/A .84 .80 .761,500 N/A N/A .77 .732,500 N/A N/A N/A .70Show Deductible on Declarations. Deductible credits are NOT subject to maximum dollaramounts.1-1-2<strong>01</strong>3 <strong>IA</strong>-HO-P-E-3 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGESPREMIUM MODIFICATIONS6.1 Protective Devices Credit FactorCentral Station AlarmsBurglary 5% .95Fire 5% .95Fire Department Alarms 3% .97Police Department Alarms 3% .97Local Alarms 2% .98Sprinkler Systems 3% .97Attach Endorsement ML-216.Maximum credit allowed is 8%.6.2 Fire Resistive <strong>and</strong> Specifically Rated Buildings 1.006.3 Exp<strong>and</strong>ed Ordinance Or Law CoverageAttach Endorsement ML-257.6.4 Replacement Value – Personal PropertyForms 3, 5, <strong>and</strong> 6Attach Endorsement ML-55 to Form 3 <strong>and</strong> 6.IncludedIncluded6.6 Exp<strong>and</strong>ed Debris Removal Included6.7 <strong>Insurance</strong> Score Discount<strong>Insurance</strong>Tier Score DiscountE2 816 & Over 56%E1 760 – 815 54%V2 740 – 759 52%V1 716 – 739 48%G2 696 – 715 43%G1 668 – 695 38%A2 620 – 667 33%A1 590 – 619 28%S2 555 – 589 18%S1 554 & Below 0%If no insurance score is available, the insured shall be placed in the G2 tier.1-1-2<strong>01</strong>3 <strong>IA</strong>-HO-P-E-4 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGES6.8 Age Of Systems Rating PlanYear Dwelling Built <strong>and</strong> First Occupied OrEarliest Year Any Utility System UpdatedFactorDuring the current calendar year .65The current calendar year minus 1 .68The current calendar year minus 2 .71The current calendar year minus 3 .73The current calendar year minus 4 .75The current calendar year minus 5 .77The current calendar year minus 6 .79The current calendar year minus 7 .82The current calendar year minus 8 .85The current calendar year minus 9 .88The current calendar year minus 10 .90The current calendar year minus 11 .91The current calendar year minus 12 .92The current calendar year minus 13 .93The current calendar year minus 14 .94The current calendar year minus 15 .95The current calendar year minus 16 .96The current calendar year minus 17 .97The current calendar year minus 18 .98The current calendar year minus 19 .99The current calendar year minus 20 or older 1.00The Age of Systems Rating Plan does not apply to Form 6.6.9 Windstorm Or Hail Loss To Roof Surfacing – Actual Cash Value SettlementThe credit for this provision is 5% of the basic policy premium.1-1-2<strong>01</strong>3 <strong>IA</strong>-HO-P-E-5 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGES6.10 Type Of Roof Rating PlanRoof TypeFactorArchitectural Shingles 1.00Asphalt 3-Tab Shingles 1.00Composition Shingles 1.00Concrete Tile .95Fiberglass Shingles 1.00Foam 1.00Metal 1.00Rolled 1.05Rubber Membrane 1.05Slate 1.10Steel .95Tar <strong>and</strong> Gravel 1.00Tile (Clay/Spanish) 1.00Tin 1.00Wood Shake 1.106.11. Type Of Siding Rating PlanSiding TypeFactorAluminum/Metal 1.10Board & Batten 1.00Brick Solid .93Brick Veneer .93Cedar 1.00Cement Fiber .95Concrete Block .93Hardboard/Masonite .98Masonry Stucco .95Pine 1.00Plywood 1.00Redwood 1.00Siding-Logs .95Solid Log .95Steel 1.04Stone Veneer .93Synthetic Stucco .95Vinyl 1.10Wood Shingle/Shake 1.0<strong>01</strong>-1-2<strong>01</strong>3 <strong>IA</strong>-HO-P-E-6 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGES6.12 Multi-Policy DiscountA multi-policy discount of 15% shall apply if an eligible personal auto policy is written with<strong>Western</strong> <strong>National</strong> Mutual.6.13 Territory FactorsForms 3 & 5 Form 6TerritoryTerritoryNumber Factor Number Factor4<strong>01</strong> 1.175 4<strong>01</strong> 1.084402 1.175 402 1.084403 1.164 403 1.085404 1.122 404 1.058405 1.042 405 1.037406 1.000 406 1.000407 1.242 407 1.031408 1.293 408 1.065409 1.508 409 1.165410 1.387 410 1.091411 1.283 411 1.124412 1.281 412 1.154413 1.153 413 1.066414 1.321 414 1.204415 1.262 415 1.129416 1.037 416 1.032417 1.191 417 1.072418 1.070 418 1.033419 1.125 419 1.041420 1.061 420 1.041421 0.950 421 1.000432 1.207 432 1.037433 1.136 433 1.000434 1.461 434 1.129435 1.239 435 1.0331-1-2<strong>01</strong>3 <strong>IA</strong>-HO-P-E-7 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGESOPTIONAL PROPERTY COVERAGES7.1 Earthquake – <strong>Rates</strong> Per $ 1,000 Of <strong>Insurance</strong>Rate Per $ 1,000 Of <strong>Insurance</strong>Forms 3, 5 <strong>and</strong> Loss Assessment (ML-53) $ .36Form 6 - including higher limits on Coverage A $ .24Attach Endorsement ML-54.7.2 Wood Burning And Other Solid Fuel-Burning Device – SurchargeREFER TO COMPANY BEFORE COVERAGE IS BOUNDIf a wood burning or other solid fuel-burning device is acceptable after underwritingconsideration, a surcharge of $ 48 per device will be assessed.7.3 Private Structures – Rating Information Per $ 1,000 Of <strong>Insurance</strong>, unlessotherwise noted7.3.1 Increased Limit $ 4.00Attach Endorsement ML-48.7.3.2 Rented To Others $ 6.00Attach Endorsement ML-40.7.3.3 With Incidental Occupancies $ 6.00Attach Endorsement ML-42.7.3.5 Away From Premises – $ 12.00 per PolicyCoverage B ExtensionAttach Endorsement ML-417.7.3.6 Away From Premises – SpecificallyScheduled Structures $ 5.00 per $ 1,000Attach Endorsement ML-418.7.3.7 Reduced Or Eliminated Limit $ 1.20 credit per $ 1,000Show Coverage B Limit on Declarations. Maximum Credit of $ 241-1-2<strong>01</strong>3 <strong>IA</strong>-HO-P-E-8 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGES7.4 Personal Property7.4.1 Increased Limit $ 2.40 per $ 1,000Show Limit on Declarations Page.7.4.2 Reduced Or Eliminated Limit $ 1.20 Credit per $ 1,000Show Limit on Declarations Page. Maximum Credit of $ 247.5 Accidental Discharge – Water-Filled Furniture $ 12.00 per PolicyForm 3.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-P-E-9 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGESRating Per Amount Max Add’lInformation Of <strong>Insurance</strong> Amount7.6 Money And SecuritiesMoney $ 7.00 $ 100 $ 500Securities 5.00 100 500Attach Endorsement ML-65.7.7 Unscheduled Jewelry,Watches And Furs $ 11.00 $ 500 $ 1,500Attach Endorsement ML-65.7.8 Guns $ 2.40 $ 100 NoneAttach Endorsement ML-65.7.9 Silverware, Goldware,And Pewterware $ .60 $ 100 $ 9,000Attach Endorsement ML-65.7.10 Business Property $ 1.20 $ 100 $ 7,500Attach Endorsement ML-65.7.11 Electronic Devices $ 12.00 $ 500 $ 1,000Attach Endorsement ML-65.7.12 ComputersData Processing Equipment $ 1.50 $ 100 Refer toCompanySoftware 2.40 100 Refer toCompanyLaptops 3.60 100 Refer toCompanyAttach Endorsement ML-170.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-P-E-10 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGESRatingInformationPer AmountOf <strong>Insurance</strong>7.13 Refrigerated Food Spoilage $ 6.00 $ 500Attach Endorsement ML-30.7.14 Additional Living Costs Actual Loss SustainedAnd Loss Of Rentin 12 Months7.15 Credit Card And Depositors ForgeryForms 3, 6Amount OfRating InformationPer PolicyIncrease$ 1,000 $ 3.003,500 4.006,000 5.008,500 6.00Form 5Amount OfRating InformationIncreasePer Policy$ 2,500 $ 5.005,000 6.00Attach Endorsement ML-30.RatingPer AmountInformation Of <strong>Insurance</strong>7.17 Fire DepartmentService Charge $ 2.00 $ 100Attach Endorsement ML-30.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-P-E-11 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGES7.18 Scheduled Personal PropertyCoverage for scheduled personal property can be provided against all risks of direct physicalloss with certain exceptions. The rates per $100 of insurance <strong>and</strong> deductible, if applicable, forthese classes of property are as follows:Property Deductible RateAntenna – Saucers ............................................................................... $ 50 .............. $ 1.80Audio & Visual Equipment ......................................................................... 0 ................. 7.20Baseball Cards ....................................................................................... 100 .................. 0.60Bicycles ...................................................................................................... 0 ................ 12.00Cameras – Non-Professional Use .............................................................. 0 .................. 1.74Computers – Computer Software ............................................................... 0 .................. 2.40Home Data Processing Equipment ............................................... 50 .................. 1.50Laptops ....................................................................................... 100 .................. 3.60Docks, etc............................................................................................... 250 .................. 1.80................................................................................................... 500 .................. 1.56................................................................................................. 1,000 .................. 1.44Fine Arts <strong>and</strong> Antiques – with breakage ................................................. 100 .................. 0.42Fine Arts <strong>and</strong> Antiques – without breakage ................................................ 0 .................. 0.36................................................................................................... 100 .................. 0.30Fish House ................................................................................................. 0 .................. 3.60Fishing Equipment .................................................................................... 50 .................. 1.80Furs ............................................................................................................ 0 .................. 0.42................................................................................................... 100 .................. 0.36Golf Equipment ........................................................................................... 0 .................. 1.80................................................................................................... 100 .................. 1.40Guns........................................................................................................... 0 .................. 2.40................................................................................................... 100 .................. 1.80................................................................................................... 250 .................. 1.50................................................................................................... 500 .................. 1.20Hearing Aids ............................................................................................. 50 .................. 6.00Jewelry ...................................................................................................... 0 .................. 1.02................................................................................................... 100 .................. 0.96................................................................................................... 250 .................. 0.90................................................................................................... 500 .................. 0.84................................................................................................. 1,000 .................. 0.72................................................................................................. 2,500 .................. 0.60*Single item of jewelry over $10,000 - Refer To Company before coverage may be boundLawnmower ................................................................................................ 0 .................. 3.60................................................................................................... 250 .................. 2.70................................................................................................... 500 .................. 2.40................................................................................................. 1,000 .................. 2.1<strong>01</strong>-1-2<strong>01</strong>3 OR-HO-P-E-12 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGESProperty Deductible RateMedical Equipment ................................................................................... 50 .................. 1.25................................................................................................... 100 .................. 1.12................................................................................................... 250 .................. 1.05Musical Instrumentsa. School Students ......................................................................... 0 .................. 2.40b. All Other – Non-Professional ...................................................... 0 .................... .90..................................................................................................... 50 .................... .84................................................................................................... 100 .................... .78................................................................................................... 250 .................... .72................................................................................................. 1,000 .................... .66Radio & TV ................................................................................................. 0 .................. 3.00Salesmen’s Samples .................................................................................. 0 .................. 3.60Silver .......................................................................................................... 0 .................... .50................................................................................................... 100 .................... .42Skis ............................................................................................................ 0 .................. 6.00Sports Equipment ....................................................................................... 0 .................. 6.00Stereo ....................................................................................................... 50 .................. 3.00Tools – Non-Professional ......................................................................... 50 .................. 6.00Trailers – Boats & Snowmobiles ............................................................. 250 .................. 1.20Attach Endorsement WN HO 69 <strong>and</strong> WN HO 70.7.19 Scheduled Glass $ 12.00 per $ 100 of <strong>Insurance</strong>Attach Endorsement ML-68.1-1-2<strong>01</strong>3 <strong>IA</strong>-HO-P-E-13 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGES7.20 Water Damage – Sewers, Drains And Sump PumpsRating InformationLimitPer Policy$ 5,000 $ 10<strong>01</strong>0,000 16<strong>01</strong>5,000 22020,000 28025,000 34030,000 40035,000 46040,000 52045,000 58050,000 640The basic policy deductible provisions apply.Attach Endorsement WN HO 33.7.21 Homeowners Association Loss Assessment7.21.1 Increased Limit – Described LocationAmount Of Total Rating InformationIncrease Limit Per Policy$ 3,500 $ 5,000 $ 68,500 10,000 10Each Add'l $5,000 3Attach Endorsement ML 0217.7.21.2 Additional LocationsRating InformationLimitPer Policy$ 1,500 $ 105,000 1410,000 18Each Add’l $5,000 3Attach Endorsement ML 0050.7-1-2<strong>01</strong>1 <strong>IA</strong>-HO-P-E-14 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGES7.21.3 Association Deductible – Described LocationAmount Of Total Rating InformationIncrease Limit Per Policy$ 1,000 $ 2,500 $ 73,500 5,000 258,500 10,000 6113,500 15,000 9718,500 20,000 13323,500 25,000 16928,500 30,000 20533,500 35,000 24138,500 40,000 27743,500 45,000 31348,500 50,000 349Attach Endorsement ML 0217.7.21.4 Association Deductible – Additional LocationsRating InformationLimitPer Location$ 1,500 $ 82,500 155,000 3310,000 6915,000 10520,000 14125,000 17730,000 21335,000 24940,000 28545,000 32150,000 357Attach Endorsement ML 0218.7.21.5 Earthquake Coverage See rating information for Rule 7.1Attach Endorsement ML-53.1-1-2<strong>01</strong>3 <strong>IA</strong>-HO-P-E-15 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGES7.22 Coverage A Options – Form 6 Only Rating Information Per $ 1,000Of <strong>Insurance</strong>7.22.1 Increased Limit – Form 6 $ 3.00 per $ 1,000 of <strong>Insurance</strong>Show Coverage A Limit on Declarations.7.22.2 Special Coverage $ 3.00 per $ 1,000 of <strong>Insurance</strong>Unit-Owners Additions – Form 6Attach Endorsement ML-32.7.23 Golf Carts $ 1.40 per $ 100 of <strong>Insurance</strong>Attach Endorsement ML-431.$ 500 Deductible applies7.24 Exp<strong>and</strong>ed Replacement Cost – Forms 3, 5 IncludedAttach Endorsement WN HO 10.7.25 Boat Owners Supplement Rating Information Per $100 Of <strong>Insurance</strong>Property Coverage Rate DeductibleBoats <strong>and</strong> Motorsa. Outboard <strong>and</strong> Sailboats ...................................................... $ 1.20 250......................................................................................... 1.10 500......................................................................................... 1.00 1,000b. Inboard - Outboard I/O ........................................................... 2.40 250......................................................................................... 2.10 500......................................................................................... 1.80 1,000c. Inboard ................................................................................... 3.60 250......................................................................................... 3.30 500......................................................................................... 3.00 1,000d. Personal Watercraft – i.e. jet skis, water bikes or ................... 3.60 250scooters, waverunners or similar personal watercraft ............. 3.30 500– Refer to Company before coverage may be bound ............ 3.00 1,000e. All Other ................................................................................. 1.20 250......................................................................................... 1.10 500......................................................................................... 1.00 1,000Attach Endorsement WN HO 16.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-P-E-16 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGES7.26 SnowmobilesProperty CoverageRating Information Per $100 Of <strong>Insurance</strong>cc Size Rate Deductible550 cc’s & Under ......................................................................... $ 3.60 $ 250............................................................................... 3.20 500............................................................................... 2.80 1,000551-600 cc’s ................................................................................ 3.70 500............................................................................... 3.30 1,000Over 600 cc’s* ................................................................................ 6.10 500............................................................................... 5.40 1,000*Snowmobile(s) over 600 cc engine size must be referred to the Company before coveragemay be bound.Attach Endorsement WN HO 19.7.27 Identity Fraud Expense CoverageAmount OfRating InformationIncreasePer Policy$ 5,000 $ 8.0<strong>01</strong>0,000 17.0<strong>01</strong>5,000 24.0020,000 31.00Each Add’l $5,000 7.00Attach Endorsement WN HO 35.7.29 Equipment Breakdown Coverage $28.00 per PolicyAttach Endorsement WN HO 62.1-1-2<strong>01</strong>1 <strong>IA</strong>-HO-P-E-17 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGESOPTIONAL L<strong>IA</strong>BILITY COVERAGESLimitsMed Pay$ 100,000/ $ 300,000/ $ 500,000/ Each Add’l$ 1,000 $ 1,000 $ 1,000 $ 5003.5.2 Residents OfHousehold $ 4.00 $ 5.00 $ 6.00 $ 3.00Attach Endorsement ML-433.8.1 Increased Limits1 or 2 Family Dwelling Incl. $ 10.00 $ 14.00 $ 4.00Show Limit on Declarations.8.2 Reduced Coverage L LimitNot Available in Preferred Program.8.3 Reduced Coverage M LimitNot Available in Preferred Program.8.4 Domestic EmployeesRate Per Employee $ 5.00 $ 6.00 $ 7.00 $ 1.20Show on Declarations.8.5 Additional Residence PremisesOccupied by Insured $ 3.00 $ 4.00 $ 7.00 $ 1.20Show on Declarations.8.6 Additional ResidencePremises Rented To Others1 Family Dwelling $ 4.00 $ 6.00 $ 11.00 $ 1.202 Family Dwelling 7.00 11.00 18.00 1.20Attach Endorsement ML-70.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-P-E-18 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGESLimitsMed Pay$ 100,000/ $ 300,000/ $ 500,000/ Each Add’l$ 1,000 $ 1,000 $ 1,000 $ 5008.9 Business Activities – Business Not Owned By The Insured8.9.1 Clerical $ 4.00 $ 5.00 $ 6.00 $ 1.208.9.2 Salespersons-No Inst. 4.00 5.00 6.00 1.208.9.3 Salespersons-W/Inst. 7.00 8.00 9.00 1.208.9.4 Teachers 12.00 14.00 16.00 1.208.9.5 Teachers-NOC 6.00 7.00 8.00 1.208.9.6 Corporal Punishment * 5.00 6.00 7.00 N/A*Attach Endorsement ML-71.* Does Not Include Medical Payments.8.10 Office, Professional,Private School, OrStudio Occupancy $ 3.00 $ 4.00 $ 7.00 $ 4.00Rating Information applies for each exposure.Attach Endorsement ML-42.8.11 Owned Snowmobile –Off Premises $ 41.00 $ 54.00 $ 60.00 $ 1.20Attach Endorsement ML-165.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-P-E-19 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGES8.12 WatercraftEach Outboard MotorInboard/Inboard-OutboardMotorboats <strong>and</strong> Sailboats *LimitsMed Pay$ 100,000/ $ 300,000/ $ 500,000/ Each Add’l$ 1,000 $ 1,000 $ 1,000 $ 500Liability Coverage Included at No ChargeUnder 16 mph *Less than 26 ft. $ 12.00 $ 16.00 $ 17.00 $ 3.0026 to 40 ft. 31.00 41.00 80.00 5.00Over 40 ft. 61.00 80.00 89.00 10.0<strong>01</strong>6-30 mphLess than 26 ft. $ 25.00 $ 32.00 $ 36.00 $ 4.0026 to 40 ft. 50.00 65.00 72.00 7.00Over 40 ft. 92.00 119.00 132.00 14.00Over 30 mphLess than 26 ft. $ 61.00 $ 80.00 $ 89.00 $ 10.0026 to 40 ft. 92.00 119.00 132.00 14.00Sailboats - NoAuxiliary Power *26 to 40 ft. $ 43.00 $ 56.00 $ 62.00 $ 4.00Personal Watercraft $ 61.00 $ 80.00 $ 89.00 10.00* Charges not applicable to sailboats under 26 feet.Attach Endorsement ML-75.8.14 Personal Injury * Included at no charge N/A* Does not include medical payments.Attach Endorsement ML-46.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-P-E-20 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGESLimitsMed Pay$ 100,000/ $ 300,000/ $ 500,000/ Each Add’l$ 1,000 $ 1,000 $ 1,000 $ 5008.16 Golf CartLiability Coverage $ 54.00 $ 72.00 $ 78.00 $ 4.00Attach Endorsement ML-432.8.17 Motorized VehicleLiability Coverage $ 18.00 $ 24.00 $ 30.00 $ 1.20Attach Endorsement ML-428.9.1 Incidental Farming –Garden Plots $ 22.00 $ 29.00 $ 34.00 $ 1.20Attach Endorsement ML-320.OPTIONAL SUP<strong>PL</strong>EMENTAL COVERAGES10.1 Supplemental Income – Child Care $ 4.00 per PolicyAttach Endorsement WN HO 39.ADDITIONAL AND SECONDARY LOCATIONS11.3 Credit For Liability Coverages $ 17.00 per Policy7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-P-E-21 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGESEmployee DiscountA discount of 15% will be applied to the total policy premium for each policy written in thename of a person who is:• Employed by <strong>Western</strong> <strong>National</strong> for a period of at least 90 days <strong>and</strong> works 20 hours ormore a week;• Formally retired from <strong>Western</strong> <strong>National</strong> in accordance with company retirementeligibility st<strong>and</strong>ards;• A <strong>Western</strong> <strong>National</strong> board member (immediately at the time of their confirmation); or• A retired <strong>Western</strong> <strong>National</strong> board member with at least 6 years of service.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-P-E-22 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
PROTECTEDTerritory 406IOWAHOMEOWNERPreferred Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCoverage A Coverage C Annual PremiumsCoverage A Coverage C Annual PremiumsCoverage A Coverage C Annual PremiumsAmount Amount Form 3 Form 5 Amount Amount Form 3 Form 5 Amount Amount Form 3 Form 5100,000 70,000 568 617 134,000 93,800 725 789 168,000 117,600 883 96<strong>01</strong><strong>01</strong>,000 70,700 572 622 135,000 94,500 730 794 169,000 118,300 887 965102,000 71,400 577 627 136,000 95,200 735 799 170,000 119,000 892 97<strong>01</strong>03,000 72,100 582 632 137,000 95,900 739 804 171,000 119,700 897 975104,000 72,800 586 637 138,000 96,600 744 809 172,000 120,400 9<strong>01</strong> 98<strong>01</strong>05,000 73,500 591 642 139,000 97,300 748 814 173,000 121,100 906 985106,000 74,200 596 647 140,000 98,000 753 819 174,000 121,800 911 99<strong>01</strong>07,000 74,900 600 653 141,000 98,700 758 824 175,000 122,500 915 995108,000 75,600 605 658 142,000 99,400 762 829 176,000 123,200 920 1,00<strong>01</strong>09,000 76,300 609 663 143,000 100,100 767 834 177,000 123,900 925 1,005110,000 77,000 614 668 144,000 100,800 772 839 178,000 124,600 929 1,<strong>01</strong><strong>01</strong>11,000 77,700 619 673 145,000 1<strong>01</strong>,500 776 844 179,000 125,300 934 1,<strong>01</strong>5112,000 78,400 623 678 146,000 102,200 781 849 180,000 126,000 938 1,02<strong>01</strong>13,000 79,100 628 683 147,000 102,900 786 854 181,000 126,700 943 1,025114,000 79,800 633 688 148,000 103,600 790 859 182,000 127,400 948 1,03<strong>01</strong>15,000 80,500 637 693 149,000 104,300 795 864 183,000 128,100 952 1,035116,000 81,200 642 698 150,000 105,000 799 869 184,000 128,800 957 1,04<strong>01</strong>17,000 81,900 646 703 151,000 105,700 804 874 185,000 129,500 962 1,045118,000 82,600 651 708 152,000 106,400 809 879 186,000 130,200 966 1,051119,000 83,300 656 713 153,000 107,100 813 884 187,000 130,900 971 1,056120,000 84,000 660 718 154,000 107,800 818 889 188,000 131,600 975 1,061121,000 84,700 665 723 155,000 108,500 823 894 189,000 132,300 980 1,066122,000 85,400 670 728 156,000 109,200 827 899 190,000 133,000 985 1,071123,000 86,100 674 733 157,000 109,900 832 904 191,000 133,700 989 1,076124,000 86,800 679 738 158,000 110,600 836 909 192,000 134,400 994 1,081125,000 87,500 684 743 159,000 111,300 841 914 193,000 135,100 999 1,086126,000 88,200 688 748 160,000 112,000 846 920 194,000 135,800 1,003 1,091127,000 88,900 693 753 161,000 112,700 850 925 195,000 136,500 1,008 1,096128,000 89,600 697 758 162,000 113,400 855 930 196,000 137,200 1,<strong>01</strong>3 1,1<strong>01</strong>129,000 90,300 702 763 163,000 114,100 860 935 197,000 137,900 1,<strong>01</strong>7 1,106130,000 91,000 707 768 164,000 114,800 864 940 198,000 138,600 1,022 1,111131,000 91,700 711 773 165,000 115,500 869 945 199,000 139,300 1,026 1,116132,000 92,400 716 778 166,000 116,200 874 950 200,000 140,000 1,031 1,121133,000 93,100 721 783 167,000 116,900 878 955 2<strong>01</strong>,000 140,700 1,036 1,126<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-P-R-1 Effective 1-1-2<strong>01</strong>3
PROTECTEDTerritory 406IOWAHOMEOWNERPreferred Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCoverage A Coverage C Annual PremiumsCoverage A Coverage C Annual PremiumsCoverage A Coverage C Annual PremiumsAmount Amount Form 3 Form 5 Amount Amount Form 3 Form 5 Amount Amount Form 3 Form 5202,000 141,400 1,040 1,131 236,000 165,200 1,198 1,302 270,000 189,000 1,355 1,474203,000 142,100 1,045 1,136 237,000 165,900 1,202 1,307 271,000 189,700 1,360 1,479204,000 142,800 1,050 1,141 238,000 166,600 1,207 1,312 272,000 190,400 1,365 1,484205,000 143,500 1,054 1,146 239,000 167,300 1,212 1,318 273,000 191,100 1,369 1,489206,000 144,200 1,059 1,151 240,000 168,000 1,216 1,323 274,000 191,800 1,374 1,494207,000 144,900 1,064 1,156 241,000 168,700 1,221 1,328 275,000 192,500 1,379 1,499208,000 145,600 1,068 1,161 242,000 169,400 1,226 1,333 276,000 193,200 1,383 1,504209,000 146,300 1,073 1,166 243,000 170,100 1,230 1,338 277,000 193,900 1,388 1,509210,000 147,000 1,077 1,171 244,000 170,800 1,235 1,343 278,000 194,600 1,392 1,514211,000 147,700 1,082 1,176 245,000 171,500 1,240 1,348 279,000 195,300 1,397 1,519212,000 148,400 1,087 1,181 246,000 172,200 1,244 1,353 280,000 196,000 1,402 1,524213,000 149,100 1,091 1,187 247,000 172,900 1,249 1,358 281,000 196,700 1,406 1,529214,000 149,800 1,096 1,192 248,000 173,600 1,254 1,363 282,000 197,400 1,411 1,534215,000 150,500 1,1<strong>01</strong> 1,197 249,000 174,300 1,258 1,368 283,000 198,100 1,416 1,539216,000 151,200 1,105 1,202 250,000 175,000 1,263 1,373 284,000 198,800 1,420 1,544217,000 151,900 1,110 1,207 251,000 175,700 1,267 1,378 285,000 199,500 1,425 1,549218,000 152,600 1,114 1,212 252,000 176,400 1,272 1,383 286,000 200,200 1,430 1,554219,000 153,300 1,119 1,217 253,000 177,100 1,277 1,388 287,000 200,900 1,434 1,559220,000 154,000 1,124 1,222 254,000 177,800 1,281 1,393 288,000 2<strong>01</strong>,600 1,439 1,564221,000 154,700 1,128 1,227 255,000 178,500 1,286 1,398 289,000 202,300 1,444 1,569222,000 155,400 1,133 1,232 256,000 179,200 1,291 1,403 290,000 203,000 1,448 1,574223,000 156,100 1,138 1,237 257,000 179,900 1,295 1,408 291,000 203,700 1,453 1,580224,000 156,800 1,142 1,242 258,000 180,600 1,300 1,413 292,000 204,400 1,457 1,585225,000 157,500 1,147 1,247 259,000 181,300 1,304 1,418 293,000 205,100 1,462 1,590226,000 158,200 1,152 1,252 260,000 182,000 1,309 1,423 294,000 205,800 1,467 1,595227,000 158,900 1,156 1,257 261,000 182,700 1,314 1,428 295,000 206,500 1,471 1,600228,000 159,600 1,161 1,262 262,000 183,400 1,318 1,433 296,000 207,200 1,476 1,605229,000 160,300 1,165 1,267 263,000 184,100 1,323 1,438 297,000 207,900 1,481 1,610230,000 161,000 1,170 1,272 264,000 184,800 1,328 1,443 298,000 208,600 1,485 1,615231,000 161,700 1,175 1,277 265,000 185,500 1,332 1,448 299,000 209,300 1,490 1,620232,000 162,400 1,179 1,282 266,000 186,200 1,337 1,454 300,000 210,000 1,494 1,625233,000 163,100 1,184 1,287 267,000 186,900 1,342 1,459 3<strong>01</strong>,000 210,700 1,499 1,630234,000 163,800 1,189 1,292 268,000 187,600 1,346 1,464 302,000 211,400 1,504 1,635235,000 164,500 1,193 1,297 269,000 188,300 1,351 1,469 303,000 212,100 1,508 1,640<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-P-R-2 Effective 1-1-2<strong>01</strong>3
PROTECTEDTerritory 406IOWAHOMEOWNERPreferred Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCoverage A Coverage C Annual Premiums Coverage A Coverage C Annual Premiums Coverage A Coverage C Annual PremiumsAmount Amount Form 3 Form 5 Amount Amount Form 3 Form 5 Amount Amount Form 3 Form 5304,000 212,800 1,513 1,645 338,000 236,600 1,671 1,816 372,000 260,400 1,828 1,988305,000 213,500 1,518 1,650 339,000 237,300 1,675 1,821 373,000 261,100 1,833 1,993306,000 214,200 1,522 1,655 340,000 238,000 1,680 1,826 374,000 261,800 1,837 1,998307,000 214,900 1,527 1,660 341,000 238,700 1,684 1,831 375,000 262,500 1,842 2,003308,000 215,600 1,532 1,665 342,000 239,400 1,689 1,836 376,000 263,200 1,847 2,008309,000 216,300 1,536 1,670 343,000 240,100 1,694 1,841 377,000 263,900 1,851 2,<strong>01</strong>3310,000 217,000 1,541 1,675 344,000 240,800 1,698 1,847 378,000 264,600 1,856 2,<strong>01</strong>8311,000 217,700 1,545 1,680 345,000 241,500 1,703 1,852 379,000 265,300 1,861 2,023312,000 218,400 1,550 1,685 346,000 242,200 1,708 1,857 380,000 266,000 1,865 2,028313,000 219,100 1,555 1,690 347,000 242,900 1,712 1,862 381,000 266,700 1,870 2,033314,000 219,800 1,559 1,695 348,000 243,600 1,717 1,867 382,000 267,400 1,874 2,038315,000 220,500 1,564 1,700 349,000 244,300 1,722 1,872 383,000 268,100 1,879 2,043316,000 221,200 1,569 1,705 350,000 245,000 1,726 1,877 384,000 268,800 1,884 2,048317,000 221,900 1,573 1,711 351,000 245,700 1,731 1,882 385,000 269,500 1,888 2,053318,000 222,600 1,578 1,716 352,000 246,400 1,735 1,887 386,000 270,200 1,893 2,058319,000 223,300 1,582 1,721 353,000 247,100 1,740 1,892 387,000 270,900 1,898 2,063320,000 224,000 1,587 1,726 354,000 247,800 1,745 1,897 388,000 271,600 1,902 2,068321,000 224,700 1,592 1,731 355,000 248,500 1,749 1,902 389,000 272,300 1,907 2,073322,000 225,400 1,596 1,736 356,000 249,200 1,754 1,907 390,000 273,000 1,911 2,078323,000 226,100 1,6<strong>01</strong> 1,741 357,000 249,900 1,759 1,912 391,000 273,700 1,916 2,083324,000 226,800 1,606 1,746 358,000 250,600 1,763 1,917 392,000 274,400 1,921 2,088325,000 227,500 1,610 1,751 359,000 251,300 1,768 1,922 393,000 275,100 1,925 2,093326,000 228,200 1,615 1,756 360,000 252,000 1,773 1,927 394,000 275,800 1,930 2,098327,000 228,900 1,620 1,761 361,000 252,700 1,777 1,932 395,000 276,500 1,935 2,103328,000 229,600 1,624 1,766 362,000 253,400 1,782 1,937 396,000 277,200 1,939 2,109329,000 230,300 1,629 1,771 363,000 254,100 1,786 1,942 397,000 277,900 1,944 2,114330,000 231,000 1,633 1,776 364,000 254,800 1,791 1,947 398,000 278,600 1,949 2,119331,000 231,700 1,638 1,781 365,000 255,500 1,796 1,952 399,000 279,300 1,953 2,124332,000 232,400 1,643 1,786 366,000 256,200 1,800 1,957 400,000 280,000 1,958 2,129333,000 233,100 1,647 1,791 367,000 256,900 1,805 1,962 4<strong>01</strong>,000 280,700 1,962 2,134334,000 233,800 1,652 1,796 368,000 257,600 1,810 1,967 402,000 281,400 1,967 2,139335,000 234,500 1,657 1,8<strong>01</strong> 369,000 258,300 1,814 1,972 403,000 282,100 1,972 2,144336,000 235,200 1,661 1,806 370,000 259,000 1,819 1,978 404,000 282,800 1,976 2,149337,000 235,900 1,666 1,811 371,000 259,700 1,823 1,983 405,000 283,500 1,981 2,154<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-P-R-3 Effective 1-1-2<strong>01</strong>3
PROTECTEDTerritory 406IOWAHOMEOWNERPreferred Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCoverage A Coverage C Annual PremiumsCoverage A Coverage C Annual PremiumsCoverage A Coverage C Annual PremiumsAmount Amount Form 3 Form 5 Amount Amount Form 3 Form 5 Amount Amount Form 3 Form 5406,000 284,200 1,986 2,159 440,000 308,000 2,143 2,330 474,000 331,800 2,3<strong>01</strong> 2,5<strong>01</strong>407,000 284,900 1,990 2,164 441,000 308,700 2,148 2,335 475,000 332,500 2,305 2,506408,000 285,600 1,995 2,169 442,000 309,400 2,152 2,340 476,000 333,200 2,310 2,512409,000 286,300 2,000 2,174 443,000 310,100 2,157 2,345 477,000 333,900 2,315 2,517410,000 287,000 2,004 2,179 444,000 310,800 2,162 2,350 478,000 334,600 2,319 2,522411,000 287,700 2,009 2,184 445,000 311,500 2,166 2,355 479,000 335,300 2,324 2,527412,000 288,400 2,<strong>01</strong>3 2,189 446,000 312,200 2,171 2,360 480,000 336,000 2,329 2,532413,000 289,100 2,<strong>01</strong>8 2,194 447,000 312,900 2,176 2,365 481,000 336,700 2,333 2,537414,000 289,800 2,023 2,199 448,000 313,600 2,180 2,370 482,000 337,400 2,338 2,542415,000 290,500 2,027 2,204 449,000 314,300 2,185 2,376 483,000 338,100 2,342 2,547416,000 291,200 2,032 2,209 450,000 315,000 2,190 2,381 484,000 338,800 2,347 2,552417,000 291,900 2,037 2,214 451,000 315,700 2,194 2,386 485,000 339,500 2,352 2,557418,000 292,600 2,041 2,219 452,000 316,400 2,199 2,391 486,000 340,200 2,356 2,562419,000 293,300 2,046 2,224 453,000 317,100 2,203 2,396 487,000 340,900 2,361 2,567420,000 294,000 2,050 2,229 454,000 317,800 2,208 2,4<strong>01</strong> 488,000 341,600 2,366 2,572421,000 294,700 2,055 2,234 455,000 318,500 2,213 2,406 489,000 342,300 2,370 2,577422,000 295,400 2,060 2,239 456,000 319,200 2,217 2,411 490,000 343,000 2,375 2,582423,000 296,100 2,064 2,245 457,000 319,900 2,222 2,416 491,000 343,700 2,379 2,587424,000 296,800 2,069 2,250 458,000 320,600 2,227 2,421 492,000 344,400 2,384 2,592425,000 297,500 2,074 2,255 459,000 321,300 2,231 2,426 493,000 345,100 2,389 2,597426,000 298,200 2,078 2,260 460,000 322,000 2,236 2,431 494,000 345,800 2,393 2,602427,000 298,900 2,083 2,265 461,000 322,700 2,240 2,436 495,000 346,500 2,398 2,607428,000 299,600 2,088 2,270 462,000 323,400 2,245 2,441 496,000 347,200 2,403 2,612429,000 300,300 2,092 2,275 463,000 324,100 2,250 2,446 497,000 347,900 2,407 2,617430,000 3<strong>01</strong>,000 2,097 2,280 464,000 324,800 2,254 2,451 498,000 348,600 2,412 2,622431,000 3<strong>01</strong>,700 2,1<strong>01</strong> 2,285 465,000 325,500 2,259 2,456 499,000 349,300 2,417 2,627432,000 302,400 2,106 2,290 466,000 326,200 2,264 2,461 500,000 350,000 2,421 2,632433,000 303,100 2,111 2,295 467,000 326,900 2,268 2,466 5<strong>01</strong>,000 350,700 2,426 2,637434,000 303,800 2,115 2,300 468,000 327,600 2,273 2,471 502,000 351,400 2,430 2,642435,000 304,500 2,120 2,305 469,000 328,300 2,278 2,476 503,000 352,100 2,435 2,648436,000 305,200 2,125 2,310 470,000 329,000 2,282 2,481 504,000 352,800 2,440 2,653437,000 305,900 2,129 2,315 471,000 329,700 2,287 2,486 505,000 353,500 2,444 2,658438,000 306,600 2,134 2,320 472,000 330,400 2,291 2,491 506,000 354,200 2,449 2,663439,000 307,300 2,139 2,325 473,000 331,100 2,296 2,496 507,000 354,900 2,454 2,668<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-P-R-4 Effective 1-1-2<strong>01</strong>3
PROTECTEDTerritory 406IOWAHOMEOWNERPreferred Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCoverage A Coverage C Annual PremiumsCoverage A Coverage C Annual PremiumsCoverage A Coverage C Annual PremiumsAmount Amount Form 3 Form 5 Amount Amount Form 3 Form 5 Amount Amount Form 3 Form 5508,000 355,600 2,458 2,673 542,000 379,400 2,616 2,844 576,000 403,200 2,773 3,<strong>01</strong>5509,000 356,300 2,463 2,678 543,000 380,100 2,620 2,849 577,000 403,900 2,778 3,020510,000 357,000 2,467 2,683 544,000 380,800 2,625 2,854 578,000 404,600 2,783 3,025511,000 357,700 2,472 2,688 545,000 381,500 2,630 2,859 579,000 405,300 2,787 3,030512,000 358,400 2,477 2,693 546,000 382,200 2,634 2,864 580,000 406,000 2,792 3,035513,000 359,100 2,481 2,698 547,000 382,900 2,639 2,869 581,000 406,700 2,796 3,040514,000 359,800 2,486 2,703 548,000 383,600 2,644 2,874 582,000 407,400 2,8<strong>01</strong> 3,046515,000 360,500 2,491 2,708 549,000 384,300 2,648 2,879 583,000 408,100 2,806 3,051516,000 361,200 2,495 2,713 550,000 385,000 2,653 2,884 584,000 408,800 2,810 3,056517,000 361,900 2,500 2,718 551,000 385,700 2,658 2,889 585,000 409,500 2,815 3,061518,000 362,600 2,505 2,723 552,000 386,400 2,662 2,894 586,000 410,200 2,820 3,066519,000 363,300 2,509 2,728 553,000 387,100 2,667 2,899 587,000 410,900 2,824 3,071520,000 364,000 2,514 2,733 554,000 387,800 2,671 2,904 588,000 411,600 2,829 3,076521,000 364,700 2,519 2,738 555,000 388,500 2,676 2,910 589,000 412,300 2,834 3,081522,000 365,400 2,523 2,743 556,000 389,200 2,681 2,915 590,000 413,000 2,838 3,086523,000 366,100 2,528 2,748 557,000 389,900 2,685 2,920 591,000 413,700 2,843 3,091524,000 366,800 2,532 2,753 558,000 390,600 2,690 2,925 592,000 414,400 2,848 3,096525,000 367,500 2,537 2,758 559,000 391,300 2,695 2,930 593,000 415,100 2,852 3,1<strong>01</strong>526,000 368,200 2,542 2,763 560,000 392,000 2,699 2,935 594,000 415,800 2,857 3,106527,000 368,900 2,546 2,768 561,000 392,700 2,704 2,940 595,000 416,500 2,861 3,111528,000 369,600 2,551 2,774 562,000 393,400 2,708 2,945 596,000 417,200 2,866 3,116529,000 370,300 2,556 2,779 563,000 394,100 2,713 2,950 597,000 417,900 2,871 3,121530,000 371,000 2,560 2,784 564,000 394,800 2,718 2,955 598,000 418,600 2,875 3,126531,000 371,700 2,565 2,789 565,000 395,500 2,722 2,960 599,000 419,300 2,880 3,131532,000 372,400 2,569 2,794 566,000 396,200 2,727 2,965 600,000 420,000 2,885 3,136533,000 373,100 2,574 2,799 567,000 396,900 2,732 2,970 6<strong>01</strong>,000 420,700 2,889 3,141534,000 373,800 2,579 2,804 568,000 397,600 2,736 2,975 602,000 421,400 2,894 3,146535,000 374,500 2,583 2,809 569,000 398,300 2,741 2,980 603,000 422,100 2,898 3,151536,000 375,200 2,588 2,814 570,000 399,000 2,746 2,985 604,000 422,800 2,903 3,156537,000 375,900 2,593 2,819 571,000 399,700 2,750 2,990 605,000 423,500 2,908 3,161538,000 376,600 2,597 2,824 572,000 400,400 2,755 2,995 606,000 424,200 2,912 3,166539,000 377,300 2,602 2,829 573,000 4<strong>01</strong>,100 2,759 3,000 607,000 424,900 2,917 3,172540,000 378,000 2,607 2,834 574,000 4<strong>01</strong>,800 2,764 3,005 608,000 425,600 2,922 3,176541,000 378,700 2,611 2,839 575,000 402,500 2,769 3,<strong>01</strong>0 609,000 426,300 2,926 3,182<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-P-R-5 Effective 1-1-2<strong>01</strong>3
PROTECTEDTerritory 406IOWAHOMEOWNERPreferred Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCoverage A Coverage C Annual Premiums Coverage A Coverage C Annual Premiums Coverage A Coverage C Annual PremiumsAmount Amount Form 3 Form 5 Amount Amount Form 3 Form 5 Amount Amount Form 3 Form 5610,000 427,000 2,931 3,187 644,000 450,800 3,088 3,358 678,000 474,600 3,246 3,529611,000 427,700 2,936 3,192 645,000 451,500 3,093 3,363 679,000 475,300 3,251 3,534612,000 428,400 2,940 3,197 646,000 452,200 3,098 3,368 680,000 476,000 3,255 3,539613,000 429,100 2,945 3,202 647,000 452,900 3,102 3,373 681,000 476,700 3,260 3,544614,000 429,800 2,949 3,207 648,000 453,600 3,107 3,378 682,000 477,400 3,265 3,549615,000 430,500 2,954 3,212 649,000 454,300 3,112 3,383 683,000 478,100 3,269 3,554616,000 431,200 2,959 3,217 650,000 455,000 3,116 3,388 684,000 478,800 3,274 3,559617,000 431,900 2,963 3,222 651,000 455,700 3,121 3,393 685,000 479,500 3,278 3,564618,000 432,600 2,968 3,227 652,000 456,400 3,125 3,398 686,000 480,200 3,283 3,570619,000 433,300 2,973 3,232 653,000 457,100 3,130 3,403 687,000 480,900 3,288 3,574620,000 434,000 2,977 3,237 654,000 457,800 3,135 3,408 688,000 481,600 3,292 3,580621,000 434,700 2,982 3,242 655,000 458,500 3,139 3,413 689,000 482,300 3,297 3,585622,000 435,400 2,986 3,247 656,000 459,200 3,144 3,418 690,000 483,000 3,302 3,590623,000 436,100 2,991 3,252 657,000 459,900 3,149 3,423 691,000 483,700 3,306 3,595624,000 436,800 2,996 3,257 658,000 460,600 3,153 3,428 692,000 484,400 3,311 3,600625,000 437,500 3,000 3,262 659,000 461,300 3,158 3,433 693,000 485,100 3,315 3,605626,000 438,200 3,005 3,267 660,000 462,000 3,163 3,438 694,000 485,800 3,320 3,610627,000 438,900 3,<strong>01</strong>0 3,272 661,000 462,700 3,167 3,444 695,000 486,500 3,325 3,615628,000 439,600 3,<strong>01</strong>4 3,277 662,000 463,400 3,172 3,449 696,000 487,200 3,329 3,620629,000 440,300 3,<strong>01</strong>9 3,282 663,000 464,100 3,176 3,454 697,000 487,900 3,334 3,625630,000 441,000 3,024 3,287 664,000 464,800 3,181 3,459 698,000 488,600 3,339 3,630631,000 441,700 3,028 3,292 665,000 465,500 3,186 3,464 699,000 489,300 3,343 3,635632,000 442,400 3,033 3,297 666,000 466,200 3,190 3,469 700,000 490,000 3,348 3,640633,000 443,100 3,037 3,302 667,000 466,900 3,195 3,474 7<strong>01</strong>,000 490,700 3,353 3,645634,000 443,800 3,042 3,308 668,000 467,600 3,200 3,479 702,000 491,400 3,357 3,650635,000 444,500 3,047 3,313 669,000 468,300 3,204 3,484 703,000 492,100 3,362 3,655636,000 445,200 3,051 3,318 670,000 469,000 3,209 3,489 704,000 492,800 3,366 3,660637,000 445,900 3,056 3,323 671,000 469,700 3,214 3,494 705,000 493,500 3,371 3,665638,000 446,600 3,061 3,328 672,000 470,400 3,218 3,499 706,000 494,200 3,376 3,670639,000 447,300 3,065 3,333 673,000 471,100 3,223 3,504 707,000 494,900 3,380 3,675640,000 448,000 3,070 3,338 674,000 471,800 3,227 3,509 708,000 495,600 3,385 3,680641,000 448,700 3,075 3,343 675,000 472,500 3,232 3,514 709,000 496,300 3,390 3,685642,000 449,400 3,079 3,348 676,000 473,200 3,237 3,519 710,000 497,000 3,394 3,690643,000 450,100 3,084 3,353 677,000 473,900 3,241 3,524 711,000 497,700 3,399 3,695<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-P-R-6 Effective 1-1-2<strong>01</strong>3
PROTECTEDTerritory 406IOWAHOMEOWNERPreferred Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCoverage A Coverage C Annual Premiums Coverage A Coverage C Annual Premiums Coverage A Coverage C Annual PremiumsAmount Amount Form 3 Form 5 Amount Amount Form 3 Form 5 Amount Amount Form 3 Form 5712,000 498,400 3,404 3,700 746,000 522,200 3,561 3,872 780,000 546,000 3,719 4,043713,000 499,100 3,408 3,706 747,000 522,900 3,566 3,877 781,000 546,700 3,723 4,048714,000 499,800 3,413 3,711 748,000 523,600 3,570 3,882 782,000 547,400 3,728 4,053715,000 500,500 3,417 3,716 749,000 524,300 3,575 3,887 783,000 548,100 3,733 4,058716,000 5<strong>01</strong>,200 3,422 3,721 750,000 525,000 3,580 3,892 784,000 548,800 3,737 4,063717,000 5<strong>01</strong>,900 3,427 3,726 751,000 525,700 3,584 3,897 785,000 549,500 3,742 4,068718,000 502,600 3,431 3,731 752,000 526,400 3,589 3,902 786,000 550,200 3,746 4,073719,000 503,300 3,436 3,736 753,000 527,100 3,593 3,907 787,000 550,900 3,751 4,078720,000 504,000 3,441 3,741 754,000 527,800 3,598 3,912 788,000 551,600 3,756 4,083721,000 504,700 3,445 3,746 755,000 528,500 3,603 3,917 789,000 552,300 3,760 4,088722,000 505,400 3,450 3,751 756,000 529,200 3,607 3,922 790,000 553,000 3,765 4,093723,000 506,100 3,454 3,756 757,000 529,900 3,612 3,927 791,000 553,700 3,770 4,098724,000 506,800 3,459 3,761 758,000 530,600 3,617 3,932 792,000 554,400 3,774 4,103725,000 507,500 3,464 3,766 759,000 531,300 3,621 3,937 793,000 555,100 3,779 4,109726,000 508,200 3,468 3,771 760,000 532,000 3,626 3,942 794,000 555,800 3,783 4,114727,000 508,900 3,473 3,776 761,000 532,700 3,631 3,947 795,000 556,500 3,788 4,119728,000 509,600 3,478 3,781 762,000 533,400 3,635 3,952 796,000 557,200 3,793 4,124729,000 510,300 3,482 3,786 763,000 534,100 3,640 3,957 797,000 557,900 3,797 4,129730,000 511,000 3,487 3,791 764,000 534,800 3,644 3,962 798,000 558,600 3,802 4,134731,000 511,700 3,492 3,796 765,000 535,500 3,649 3,967 799,000 559,300 3,807 4,139732,000 512,400 3,496 3,8<strong>01</strong> 766,000 536,200 3,654 3,972 800,000 560,000 3,811 4,144733,000 513,100 3,5<strong>01</strong> 3,806 767,000 536,900 3,658 3,978 8<strong>01</strong>,000 560,700 3,816 4,149734,000 513,800 3,505 3,811 768,000 537,600 3,663 3,983 802,000 561,400 3,821 4,154735,000 514,500 3,510 3,816 769,000 538,300 3,668 3,988 803,000 562,100 3,825 4,159736,000 515,200 3,515 3,821 770,000 539,000 3,672 3,993 804,000 562,800 3,830 4,164737,000 515,900 3,519 3,826 771,000 539,700 3,677 3,998 805,000 563,500 3,834 4,169738,000 516,600 3,524 3,831 772,000 540,400 3,682 4,003 806,000 564,200 3,839 4,174739,000 517,300 3,529 3,836 773,000 541,100 3,686 4,008 807,000 564,900 3,844 4,179740,000 518,000 3,533 3,842 774,000 541,800 3,691 4,<strong>01</strong>3 808,000 565,600 3,848 4,184741,000 518,700 3,538 3,847 775,000 542,500 3,695 4,<strong>01</strong>8 809,000 566,300 3,853 4,189742,000 519,400 3,543 3,852 776,000 543,200 3,700 4,023 810,000 567,000 3,858 4,194743,000 520,100 3,547 3,857 777,000 543,900 3,705 4,028 811,000 567,700 3,862 4,199744,000 520,800 3,552 3,862 778,000 544,600 3,709 4,033 812,000 568,400 3,867 4,204745,000 521,500 3,556 3,867 779,000 545,300 3,714 4,038 813,000 569,100 3,871 4,209<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-P-R-7 Effective 1-1-2<strong>01</strong>3
PROTECTEDTerritory 406IOWAHOMEOWNERPreferred Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCoverage A Coverage C Annual Premiums Coverage A Coverage C Annual Premiums Coverage A Coverage C Annual PremiumsAmount Amount Form 3 Form 5 Amount Amount Form 3 Form 5 Amount Amount Form 3 Form 5814,000 569,800 3,876 4,214 829,000 580,300 3,946 4,290 844,000 590,800 4,<strong>01</strong>5 4,365815,000 570,500 3,881 4,219 830,000 581,000 3,950 4,295 845,000 591,500 4,020 4,371816,000 571,200 3,885 4,224 831,000 581,700 3,955 4,300 846,000 592,200 4,024 4,376817,000 571,900 3,890 4,229 832,000 582,400 3,960 4,305 847,000 592,900 4,029 4,381818,000 572,600 3,895 4,234 833,000 583,100 3,964 4,310 848,000 593,600 4,034 4,386819,000 573,300 3,899 4,240 834,000 583,800 3,969 4,315 849,000 594,300 4,038 4,391820,000 574,000 3,904 4,245 835,000 584,500 3,973 4,320 850,000 595,000 4,043 4,396821,000 574,700 3,909 4,250 836,000 585,200 3,978 4,325822,000 575,400 3,913 4,255 837,000 585,900 3,983 4,330823,000 576,100 3,918 4,260 838,000 586,600 3,987 4,335Refer to company for higher824,000 576,800 3,922 4,265 839,000 587,300 3,992 4,340policy limits825,000 577,500 3,927 4,270 840,000 588,000 3,997 4,345826,000 578,200 3,932 4,275 841,000 588,700 4,0<strong>01</strong> 4,350827,000 578,900 3,936 4,280 842,000 589,400 4,006 4,355828,000 579,600 3,941 4,285 843,000 590,100 4,<strong>01</strong>0 4,360<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-P-R-8 Effective 1-1-2<strong>01</strong>3
FORM 6 - UNIT OWNERSTerritory 406IOWAHOMEOWNERPreferred Program$500 DeductibleBasic Policy PremiumsCov C Annual Cov C Annual Cov C Annual Cov C Annual Cov C Annual Cov C AnnualAmount Premiums Amount Premiums Amount Premiums Amount Premiums Amount Premiums Amount Premiums25,000 91 55,000 169 85,000 234 115,000 298 145,000 361 175,000 42526,000 93 56,000 171 86,000 237 116,000 300 146,000 363 176,000 42727,000 96 57,000 173 87,000 239 117,000 302 147,000 365 177,000 42928,000 99 58,000 176 88,000 241 118,000 304 148,000 368 178,000 43129,000 1<strong>01</strong> 59,000 178 89,000 243 119,000 307 149,000 370 179,000 43330,000 104 60,000 180 90,000 245 120,000 309 150,000 372 180,000 43531,000 107 61,000 182 91,000 247 121,000 311 151,000 374 181,000 43732,000 109 62,000 184 92,000 249 122,000 313 152,000 376 182,000 43933,000 112 63,000 187 93,000 252 123,000 315 153,000 378 183,000 44134,000 115 64,000 189 94,000 254 124,000 317 154,000 380 184,000 44435,000 118 65,000 191 95,000 256 125,000 319 155,000 382 185,000 44636,000 120 66,000 193 96,000 258 126,000 321 156,000 384 186,000 44837,000 123 67,000 195 97,000 260 127,000 323 157,000 387 187,000 45038,000 126 68,000 198 98,000 262 128,000 325 158,000 389 188,000 45239,000 129 69,000 200 99,000 264 129,000 328 159,000 391 189,000 45440,000 131 70,000 202 100,000 266 130,000 330 160,000 393 190,000 45641,000 134 71,000 204 1<strong>01</strong>,000 269 131,000 332 161,000 395 191,000 45842,000 137 72,000 206 102,000 271 132,000 334 162,000 397 192,000 46043,000 139 73,000 209 103,000 273 133,000 336 163,000 399 193,000 46344,000 142 74,000 211 104,000 275 134,000 338 164,000 4<strong>01</strong> 194,000 46545,000 145 75,000 213 105,000 277 135,000 340 165,000 403 195,000 46746,000 147 76,000 215 106,000 279 136,000 342 166,000 406 196,000 46947,000 150 77,000 217 107,000 281 137,000 344 167,000 408 197,000 47148,000 153 78,000 219 108,000 283 138,000 347 168,000 410 198,000 47349,000 155 79,000 222 109,000 285 139,000 349 169,000 412 199,000 47550,000 158 80,000 224 110,000 288 140,000 351 170,000 414 200,000 47751,000 160 81,000 226 111,000 290 141,000 353 171,000 41652,000 162 82,000 228 112,000 292 142,000 355 172,000 41853,000 165 83,000 230 113,000 294 143,000 357 173,000 42054,000 167 84,000 232 114,000 296 144,000 359 174,000 422Refer to companyfor higherpolicy limits<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-P-R-9 Effective 1-1-2<strong>01</strong>3
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyEXPANDED COVERAGE PROGRAM FORMS AND ENDORSEMENTSIOWA STANDARD HOMEOWNER PROGRAMFormForm 2Form 3Form 4Form 6NameBroad FormSpecial FormContents Broad FormUnit-Owners FormM<strong>and</strong>atory EndorsementsML 0217 Loss Assessment And Association Deductible Amendatory EndorsementML 4902 Limited Coverage For Loss By Wet Rot, Dry Rot, Bacteria, Fungi, Or ProtistsML-147 Punitive Damage ExclusionML-223 Lead Liability ExclusionML-435 Pollution Liability ExclusionML-483 Calendar Date Or Time Failure ExclusionWN HO 09 Automatic Inflation Protection Endorsement (Form 2 <strong>and</strong> 3 Only)WN HO 12 Debris Removal (Form 2, 3 <strong>and</strong> 6 Only)WN HO 13 Automatic Termination ProvisionWN HO 15 Owner Occupancy – Condition Applicable To Property Coverage (Form 2, 3 <strong>and</strong> 6 Only)WN HO 18 Outboard Motor LiabilityWN HO 35 Identity Fraud Expense Coverage (Primary Locations Only)WN HO 49 Earth Movement And Water Damage ExclusionWN HO 53 Automatic Adjustment Of Limits (Form 4 <strong>and</strong> Form 6 Only)WN HO 57 Amendatory Endorsement – IowaWN IL 07 Common Loss DeductibleWN IL 13 Mutual Policy ConditionsWN IL 43 Joint And Individual InterestsWN IL 45 Iowa Disclosure Notice – Actual Cash Value Loss SettlementOther EndorsementsML 0050 Loss Assessment Coverage – Additional LocationsML 0218 Association Deductible Coverage – Additional LocationsML 0672 Additional Insured – Coverages A, B, C, L <strong>and</strong> MML-30 Incidental Property Coverages – Higher LimitsML-32 Unit-Owners Additions – Special CoverageML-40 Related Private Structures Rented To OthersML-41 Additional InsuredML-42 Office, Professional, Private School, Or Studio OccupancyML-46 Personal InjuryML-48 Related Private StructuresML-53 Earthquake Loss AssessmentML-54 Earthquake CoverageML-55 Replacement Value Loss Settlement Terms1-1-2<strong>01</strong>3 <strong>IA</strong>-HO-S-F-1 Forms & EndorsementsIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyEXPANDED COVERAGE PROGRAM FORMS AND ENDORSEMENTSIOWA STANDARD HOMEOWNER PROGRAMOther Endorsements (cont'd)FormML-65ML-68ML-70ML-71ML-75ML-164ML-170ML-209ML-216ML-255ML-256ML-257ML-320ML-416ML-417ML-418ML-421ML-428ML-429ML-432ML-433ML-441WN HO 03WN HO 04WN HO 10WN HO 11WN HO 16WN HO 17WN HO 19WN HO 28WN HO 33WN HO 39WN HO 54WN HO 61WN HO 62WN HO 69WN HO 70WN IL 02NameCoverage C – Higher Limits On Certain PropertyScheduled GlassAdditional Residential Premises Rented To Others – Liability Coverage OnlyBusiness ActivitiesWatercraftSnowmobile – Liability Coverage OnlyComputer CoverageWaterbed Liability (Form 4 Only)Protective DevicesRepair Cost TermsModified Replacement Cost TermsOrdinance Or LawIncidental FarmingAdditional Insured – L<strong>and</strong>lordRelated Private Structures – Away From PremisesScheduled Related Private Structures – Away From PremisesAccidental Discharge Or Overflow Coverage – Water-Filled FurnitureMotorized Vehicle Liability CoverageUnit-Owners Personal Property – Special CoverageGolf Cart Liability CoverageAdditional Insured – Residents Of HouseholdSpecial Personal Property CoverageTheft Endorsement (New Dwellings Under Construction)Collapse Coverage (New Dwellings Under Construction)Exp<strong>and</strong>ed Replacement Cost Terms (Form 2 <strong>and</strong> 3 Only)Loss PayeeBoat Owner’s CoverageExp<strong>and</strong>ed Debris Removal (Form 2 <strong>and</strong> 3 Only)Snowmobile CoverageWindstorm Or Hail Loss To Roof Surfacing – Actual Cash Value SettlementWater Damage – Sewers, Drains And SumpsSupplemental Income – Child CareWindstorm Or Hail Loss To Roof Surfacing – Scheduled Structures – Actual CashValue Loss SettlementGolf Cart CoverageEquipment Breakdown Enhancement EndorsementScheduled Personal Property CoverageScheduled Personal Property Coverage – ScheduleEndorsement1-1-2<strong>01</strong>3 <strong>IA</strong>-HO-S-F-2 Forms & EndorsementsIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGESPOLICYWRITING INSTRUCTIONS AND PREMIUM DETERMINATIONRULE1.2 Tenant Occupied PremiumUp to four individuals may be insured under one$ 36 for Eachpolicy, provided that each individual is named asAdditional Namedan insured on the declarations.Insured1.7 Dwellings Under ConstructionTheft Coverage EndorsementAttach WN HO 03.Collapse Coverage EndorsementAttach WN HO 04.$ 24 Flat ChargeFully Earned$ 24 Flat ChargeFully Earned7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-S-E-1 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES2.6 Basic Limits – St<strong>and</strong>ard Homeowner ProgramThe minimum limits of liability for the St<strong>and</strong>ard Homeowner Program are as follows:PropertyCoverages Form 2 Form 3 Form 4 Form 6Residence $ 25,000 $ 40,000 10% oflimit on10% of 10% of personalRelated Private limit on limit on propertyStructures residence residence70% of 70% of $ 15,000 $ 20,000Personal limit on limit onProperty residence residenceAdditional 20% of 20% of 40% of 40% ofLiving Costs limit on limit on limit on limit on<strong>and</strong> Loss residence residence personal personalof Rent property propertySecondary Locations – Coverage A Minimum Limits1 or 2 Families: Form 2 – $ 15,000; Form 3 – $ 25,000Liability CoveragesCoverage LCoverage MAll Forms$ 100,000 each occurrence$ 1,000 each personCoverage L <strong>and</strong> Coverage M limits can be reduced. See Rules 8.2 <strong>and</strong> 8.3.3.9 Contributing <strong>Insurance</strong> – Currently NOT AVAILABLE3.12 Conditional Endorsement – This rule does not apply.1-1-2<strong>01</strong>3 <strong>IA</strong>-HO-S-E-2 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES4.2 Modified Loss Settlement Terms –Coverages A <strong>and</strong> B – Forms 2, <strong>and</strong> 34.2.1 Repair Cost (Not applicable if WN HO 10 or ML-256 is attached)Coverage A LimitAs a % of Replacement CostWN Modifier80% <strong>and</strong> Higher 1.0066 - 79% 1.0950 - 65% 1.21Below 50% 1.49Attach Endorsement ML-255.4.2.2 Modified Replacement Cost (Not applicable if WN HO 10 or ML-255is attached)Coverage A LimitAs a % of Replacement CostWN Modifier66 - 79% 1.1250 - 65% 1.24Below 50% 1.52Attach Endorsement ML-256.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-S-E-3 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGESPREMIUM DETERMINATION AND DEDUCTIBLES4.3 Unit-Owner’s Personal Property – FactorSpecial Coverage 1.40Attach Endorsement ML-429.4.3.1 Form 3 – Personal Property – FactorSpecial Coverage 0.15Coverage for personal property on eligible Form 3policies can be provided against all risks of directphysical loss, with certain exceptions.Eligible Form 3 policies must:• Be located in a Protected Fire Classification,• Be subject to Replacement Value – PersonalProperty, <strong>and</strong>• Have the Coverage A limit equal to at least 100%of residence’s replacement value <strong>and</strong> must besubject to Exp<strong>and</strong>ed Replacement Cost.To develop the premium for this coverage, apply thefactor shown to the basic premium in the State RatePages.Attach Endorsement ML-441.4.4 Row <strong>and</strong> Townhouse – SurchargeNumber of individual units: 1-2 3-4 5-8 Over 8Increase basic premium 1.00 1.10 1.25 N/A7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-S-E-4 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES5.2 Deductible Options5.2.1 Forms 2 <strong>and</strong> 3Credit Factor$ 500 See basic policy premium 1.0<strong>01</strong>,000 12% .881,500 20% .802,500 26% .745,000 36% .6410,000 40% .605.2.2 Forms 4 <strong>and</strong> 6CreditFactor$ 500 See basic policy premium 1.0<strong>01</strong>,000 12% .881,500 17% .832,500 23% .775,000 33% .6710,000 38% .62Show Deductible on Declarations. Deductible credits are NOT subject tomaximum dollar amounts.5.3 Higher Windstorm or Hail Deductible Factors – Flat Dollar AmountForms 3 <strong>and</strong> 5All Other PerilsDeductibleIncreased Windstorm or HailDeductible$1,000 $1,500 $2,000 $5,000$ 500 1.00 .93 .89 .831,000 N/A .84 .80 .761,500 N/A N/A .77 .732,500 N/A N/A N/A .70Show Deductibles on Declarations. Deductible credits are NOT subject tomaximum dollar amounts.1-1-2<strong>01</strong>3 <strong>IA</strong>-HO-S-E-5 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGESPREMIUM MODIFICATIONS6.1 Protective Devices Credit FactorCentral Station AlarmsBurglary 5% .95Fire 5% .95Fire Department Alarms 3% .97Police Department Alarms 3% .97Local Alarms 2% .98Sprinkler Systems 3% .97Attach Endorsement ML-216.Maximum credit allowed is 8%.6.2 Fire Resistive <strong>and</strong> SpecificallyRated Buildings 1.006.3 Exp<strong>and</strong>ed Ordinance Or LawForms 2 <strong>and</strong> 3 1.10Form 6$ 2.00 per $1,000 of Coverage A limit6.4 Replacement Value – Personal PropertyForms 2 <strong>and</strong> 3 1.05Form 4 (subject to a minimum additional premium $50) 1.45Form 6 1.45Attach Endorsement ML-55.6.6 Exp<strong>and</strong>ed Debris Removal 1.05Attach Endorsement WN HO 17.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-S-E-6 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES6.7 <strong>Insurance</strong> Score Discount<strong>Insurance</strong>Tier Score DiscountE2 816 & Over 56%E1 760 – 815 54%V2 740 – 759 52%V1 716 – 739 48%G2 696 – 715 43%G1 668 – 695 38%A2 620 – 667 33%A1 590 – 619 28%S2 555 – 589 18%S1 554 & Below 0%If no insurance score is available, the insured shall be placed in the G2 tier.6.8 Age Of Systems Rating PlanThis rule does not apply.6.9 Windstorm Or Hail Loss To Roof Surfacing – Actual Cash Value SettlementThe credit for this provision is 5% of the basic policy premium.1-1-2<strong>01</strong>3 <strong>IA</strong>-HO-S-E-7 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES6.10 Type Of Roof Rating PlanRoof TypeFactorArchitectural Shingles 1.00Asphalt 3-Tab Shingles 1.00Composition Shingles 1.00Concrete Tile .95Fiberglass Shingles 1.00Foam 1.00Metal 1.00Rolled 1.05Rubber Membrane 1.05Slate 1.10Steel .95Tar <strong>and</strong> Gravel 1.00Tile (Clay/Spanish) 1.00Tin 1.00Wood Shake 1.106.11. Type Of Siding Rating PlanSiding TypeFactorAluminum/Metal 1.10Board & Batten 1.00Brick Solid .93Brick Veneer .93Cedar 1.00Cement Fiber .95Concrete Block .93Hardboard/Masonite .98Masonry Stucco .95Pine 1.00Plywood 1.00Redwood 1.00Siding-Logs .95Solid Log .95Steel 1.04Stone Veneer .93Synthetic Stucco .95Vinyl 1.10Wood Shingle/Shake 1.0<strong>01</strong>-1-2<strong>01</strong>3 <strong>IA</strong>-HO-S-E-8 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES6.12 Multi-Policy DiscountA multi-policy discount of 15% shall apply if an eligible personal auto policy is written with<strong>Western</strong> <strong>National</strong> Mutual.6.13 Territory FactorsForms 2 & 3 Forms 4 & 6TerritoryTerritoryNumber Factor Number Factor4<strong>01</strong> 1.175 4<strong>01</strong> 1.084402 1.175 402 1.084403 1.131 403 1.085404 1.352 404 1.058405 1.193 405 1.037406 1.000 406 1.000407 1.220 407 1.031408 1.289 408 1.065409 1.496 409 1.165410 1.381 410 1.091411 1.283 411 1.124412 1.222 412 1.154413 1.246 413 1.066414 1.345 414 1.204415 1.262 415 1.129416 1.037 416 1.032417 1.181 417 1.072418 1.073 418 1.033419 1.593 419 1.041420 1.061 420 1.041421 0.950 421 1.000432 1.382 432 1.037433 1.152 433 1.000434 1.461 434 1.129435 1.242 435 1.0331-1-2<strong>01</strong>3 <strong>IA</strong>-HO-S-E-9 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGESOPTIONAL PROPERTY COVERAGES7.1 Earthquake – Rating Information Per $ 1,000 Of <strong>Insurance</strong>Rate Per $ 1,000 Of <strong>Insurance</strong>Forms 2 & 3<strong>and</strong> Loss Assessment (ML-53) $ .36Forms 4 & 6 including Higher Limits ofTenant’s Improvements <strong>and</strong> Coverage A $ .24Attach Endorsement ML-54.7.2 Wood Burning <strong>and</strong> Other Solid Fuel-Burning Device – SurchargeREFER TO COMPANY BEFORE COVERAGE IS BOUNDIf a wood burning or other solid fuel-burning device is acceptable afterunderwriting consideration, a surcharge of $ 48 per device will be assessed.7.3 Private Structures – Rating Information Per $ 1,000 of <strong>Insurance</strong>, unlessotherwise noted7.3.1 Increased Limit $ 4.00Attach Endorsement ML-48.7.3.2 Rented To Others $ 6.00Attach Endorsement ML-40.7.3.3 With Incidental Occupancies $ 6.00Attach Endorsement ML-42.7.3.5 Away From Premises – $ 12.00 per PolicyCoverage B ExtensionAttach Endorsement ML-417.7.3.6 Away From Premises – SpecificallyScheduled Structures $ 5.00 per $ 1,000Attach Endorsement ML-418.7.3.7 Reduced Or Eliminated Limit $ 1.20 Credit per $1,000Show Coverage B limit on Declarations. Maximum Credit of $ 241-1-2<strong>01</strong>3 <strong>IA</strong>-HO-S-E-10 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES7.4 Personal Property7.4.1 Increased Limit $ 2.40 per $ 1,000Show Coverage C Limit on Declarations.7.4.2 Reduced Or Eliminated Limit $ 1.20 Credit per $ 1,000Show Coverage C Limit on Declarations. Maximum Credit of $ 247.5 Accidental Discharge – Water-Filled Furniture $ 12.00 per PolicyAttach Endorsement ML-421.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-S-E-11 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGESRating Per Amount Max Add’lInformation Of <strong>Insurance</strong> Amount7.6 Money <strong>and</strong> SecuritiesMoney $ 7.00 $ 100 $ 500Securities 5.00 100 500Attach Endorsement ML-65.7.7 Unscheduled Jewelry,Watches <strong>and</strong> Furs $ 11.00 $ 500 $ 1,500Attach Endorsement ML-65.7.8 Guns $ 2.40 $ 100 NoneAttach Endorsement ML-65.7.9 Silverware, Goldware,<strong>and</strong> Pewterware $ .60 $ 100 $ 9,000Attach Endorsement ML-65.7.10 Business Property $ 1.20 $ 100 $ 7,500Attach Endorsement ML-65.7.11 Electronic Devices $ 12.00 $ 500 $ 1,000Attach Endorsement ML-65.7.12 ComputersData Processing Equipment $ 1.50 $ 100 Refer toCompanySoftware 2.40 100 Refer toCompanyLaptops 3.60 100 Refer toCompanyAttach Endorsement ML-170.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-S-E-12 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGESRatingInformationPer AmountOf <strong>Insurance</strong>7.13 Refrigerated Food Spoilage $ 6.00 $ 500Attach Endorsement ML-30.7.14 Additional Living Costs<strong>and</strong> Loss Of Rent $ 4.00 $ 1,000Show Limit on Declarations.7.15 Credit Card <strong>and</strong> Depositors ForgeryAmount of Total Rating InformationIncrease Limit Per Policy$ 1,000 $ 2,500 $ 3.003,500 5,000 4.006,000 7,500 5.008,500 10,000 6.00Attach Endorsement ML-30.7.16 Tenant’s Improvements – Form 4 $ 4.00 per $ 1,000 of <strong>Insurance</strong>Attach Endorsement ML-30.7.17 Fire DepartmentRatingInformationPer AmountOf <strong>Insurance</strong>Service Charge $ 2.00 $ 100Attach Endorsement ML-30.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-S-E-13 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES7.18 Scheduled Personal PropertyCoverage for scheduled personal property can be provided against all risks of directphysical loss with certain exceptions. The rates per $100 of insurance <strong>and</strong> deductible, ifapplicable, for these classes of property are as follows:Property Deductible RateAntenna – Saucers ............................................................................... $ 50 .............. $ 1.80Audio & Visual Equipment ......................................................................... 0 ................. 7.20Baseball Cards ....................................................................................... 100 .................. 0.60Bicycles ...................................................................................................... 0 ................ 12.00Cameras – Non-Professional Use .............................................................. 0 .................. 1.74Computers – Computer Software ............................................................... 0 .................. 2.40Home Data Processing Equipment ............................................... 50 .................. 1.50Laptops ....................................................................................... 100 .................. 3.60Docks, etc............................................................................................... 250 .................. 1.80................................................................................................... 500 .................. 1.56................................................................................................. 1,000 .................. 1.44Fine Arts <strong>and</strong> Antiques – with breakage ................................................. 100 .................. 0.42Fine Arts <strong>and</strong> Antiques – without breakage ................................................ 0 .................. 0.36................................................................................................... 100 .................. 0.30Fish House ................................................................................................. 0 .................. 3.60Fishing Equipment .................................................................................... 50 .................. 1.80Furs ............................................................................................................ 0 .................. 0.42................................................................................................... 100 .................. 0.36Golf Equipment ........................................................................................... 0 .................. 1.80................................................................................................... 100 .................. 1.40Guns........................................................................................................... 0 .................. 2.40................................................................................................... 100 .................. 1.80................................................................................................... 250 .................. 1.50................................................................................................... 500 .................. 1.20Hearing Aids ............................................................................................. 50 .................. 6.00Jewelry ...................................................................................................... 0 .................. 1.02................................................................................................... 100 .................. 0.96................................................................................................... 250 .................. 0.90................................................................................................... 500 .................. 0.84................................................................................................. 1,000 .................. 0.72................................................................................................. 2,500 .................. 0.60*Single item of jewelry over $10,000 - Refer To Company before coverage may be bound1-1-2<strong>01</strong>3 OR-HO-P-E-14 Preferred Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGESProperty Deductible RateLawnmower ................................................................................................ 0 .................. 3.60................................................................................................... 250 .................. 2.70................................................................................................... 500 .................. 2.40................................................................................................. 1,000 .................. 2.10Medical Equipment ................................................................................... 50 .................. 1.25................................................................................................... 100 .................. 1.12................................................................................................... 250 .................. 1.05Musical Instrumentsa. School Students ......................................................................... 0 .................. 2.40b. All Other – Non-Professional ...................................................... 0 .................. 0.90..................................................................................................... 50 .................. 0.84................................................................................................... 100 .................. 0.78................................................................................................... 250 .................. 0.72................................................................................................. 1,000 .................. 0.66Radio & TV ................................................................................................. 0 .................. 3.00Salesmen’s Samples .................................................................................. 0 .................. 3.60Silver .......................................................................................................... 0 .................. 0.50................................................................................................... 100 .................. 0.42Skis ............................................................................................................ 0 .................. 6.00Sports Equipment ....................................................................................... 0 .................. 6.00Stereo ....................................................................................................... 50 .................. 3.00Tools – Non-Professional ......................................................................... 50 .................. 6.00Trailers – Boats & Snowmobiles ............................................................. 250 .................. 1.20Attach Endorsement WN HO 69 <strong>and</strong> WN HO 70.7.19 Scheduled Glass $ 12.00 per $ 100 of <strong>Insurance</strong>Attach Endorsement ML-68.1-1-2<strong>01</strong>3 <strong>IA</strong>-HO-S-E-15 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES7.20 Water Damage – Sewers, Drains <strong>and</strong> Sump PumpsRating InformationLimitPer Policy$ 5,000 $ 100.0<strong>01</strong>0,000 160.0<strong>01</strong>5,000 220.0020,000 280.0025,000 340.0030,000 400.0035,000 460.0040,000 520.0045,000 580.0050,000 640.00The basic policy deductible provisions apply.Attach Endorsement WN HO 33.7.21 Homeowners Association Loss Assessment7.21.1 Increased Limit – Described LocationAmount of Total Rating InformationIncrease Limit Per Policy$ 3,500 $ 5,000 $ 6.008,500 10,000 10.00Each Add'l $5,000 3.00Attach Endorsement ML 0217.7.21.2 Additional LocationsRating InformationLimitPer Policy$ 1,500 $ 10.005,000 14.0<strong>01</strong>0,000 18.00Each Add’l $5,000 3.00Attach Endorsement ML 0050.7-1-2<strong>01</strong>1 <strong>IA</strong>-HO-S-E-16 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES7.21.3 Association Deductible – Described LocationAmount Of Total Rating InformationIncrease Limit Per Policy$ 1,000 $ 2,500 $ 73,500 5,000 258,500 10,000 6113,500 15,000 9718,500 20,000 13323,500 25,000 16928,500 30,000 20533,500 35,000 24138,500 40,000 27743,500 45,000 31348,500 50,000 349Attach Endorsement ML 0217.7.21.4 Association Deductible – Additional LocationsRating InformationLimitPer Location$ 1,500 $ 82,500 155,000 3310,000 6915,000 10520,000 14125,000 17730,000 21335,000 24940,000 28545,000 32150,000 357Attach Endorsement ML 0218.7.21.5 Earthquake Coverage See rating information for Rule 7.1Attach Endorsement ML-53.1-1-2<strong>01</strong>3 <strong>IA</strong>-HO-S-E-17 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES7.22 Coverage A Options – Form 6 Only Rating Information Per $1,000Of <strong>Insurance</strong>7.22.1 Increased Limit – Form 6 $ 3.00 per $1,000 of <strong>Insurance</strong>Show Coverage A Limit on Declarations.7.22.2 Special Coverage $ 3.00 per $1,000 of <strong>Insurance</strong>Attach Endorsement ML-32.7.23 Golf Carts $ 1.40 per $100 of <strong>Insurance</strong>Attach Endorsement ML-431.$ 500 Deductible applies7.24 Exp<strong>and</strong>ed Replacement Cost $ 6.00 per PolicyAttach Endorsement WN HO 10.7.25 Boat Owners Supplement Rating Information per $100 Of <strong>Insurance</strong>Property Coverage Rate DeductibleBoats <strong>and</strong> Motorsa. Outboard <strong>and</strong> Sailboats ................................................... $ 1.20 ............ $ 250....................................................................................... 1.10 ................ 500....................................................................................... 1.00 ............. 1,000b. Inboard - Outboard I/O .......................................................... 2.40 ................ 250....................................................................................... 2.10 ................ 500....................................................................................... 1.80 ............. 1,000c. Inboard ................................................................................. 3.60 ................ 250....................................................................................... 3.30 ................ 500....................................................................................... 3.00 ............. 1,000d. Personal Watercraft – i.e. jet skis, water bikes or ................. 3.60 ................ 250scooters, waverunners or similar personal watercraft ........... 3.30 ................ 500– Refer to Company before coverage may be bound .......... 3.00 ............. 1,000e. All Other ............................................................................... 1.20 ................ 250....................................................................................... 1.10 ................ 500....................................................................................... 1.00 ............. 1,000Attach Endorsement WN HO 16.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-S-E-18 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES7.26 SnowmobilesProperty CoverageRating Information Per $100 Of <strong>Insurance</strong>cc Size Rate Deductible550 cc’s & Under ..................................................................... $ 3.60 ............ $ 250............................................................................ 3.20 ............... 500............................................................................ 2.80 ............ 1,000551-600 cc’s ............................................................................ 3.70 ............... 500............................................................................ 3.30 ............ 1,000Over 600 cc’s* ............................................................................ 6.10 ............... 500............................................................................ 5.40 ............ 1,000*Snowmobile(s) over 600 cc engine size must be referred to the Company before coveragemay be bound.Attach Endorsement WN HO 19.7.27 Identity Fraud Expense CoverageAmount ofRating InformationIncreasePer Policy$ 5,000 $ 8.0<strong>01</strong>0,000 17.0<strong>01</strong>5,000 24.0020,000 31.00Each Add’l $5,000 7.00Attach Endorsement WN HO 35.7.29 Equipment Breakdown Coverage $28.00 per PolicyAttach Endorsement WN HO 62.1-1-2<strong>01</strong>1 <strong>IA</strong>-HO-S-E-19 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGESOPTIONAL L<strong>IA</strong>BILITY COVERAGESLimitsMed Pay$ 100,000/ $ 300,000/ $ 500,000/ Each Add’l$ 1,000 $ 1,000 $ 1,000 $ 5003.5.2 Residents OfHousehold $ 4.00 $ 5.00 $ 6.00 $ 3.00Attach Endorsement ML-433.8.1 Increased Limits1 or 2 Family Dwelling Incl. $ 10.00 $ 14.00 $ 4.00Show Limit on Declarations.8.2 Reduced Coverage L Limit8.2.1 Basic CoverageCredit Per Policy$ 25,000 $ 8.0050,000 4.00Show Coverage L on Declarations.8.2.2 Optional CoveragesMultiply the rating information shownFor $ 100,000 by the following factors:Factor$ 25,000 Coverage L Limit .85$ 50,000 Coverage L Limit .908.3 Reduced Coverage M Limit Credit Per PolicyShow Coverage M limit on Declarations. $ 1.208.4 Domestic EmployeesRate Per Employee $ 5.00 $ 6.00 $ 7.00 $ 1.20Show on Declarations.8.5 Additional Residence PremisesOccupied By Insured $ 3.00 $ 4.00 $ 7.00 $ 1.20Show on Declarations.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-S-E-20 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES8.6 Additional ResidencePremises Rented To OthersLimitsMed Pay$ 100,000/ $ 300,000/ $ 500,000/ Each Add’l$ 1,000 $ 1,000 $ 1,000 $ 50<strong>01</strong> Family Dwelling $ 4.00 $ 6.00 $ 11.00 $ 1.202 Family Dwelling 7.00 11.00 18.00 1.20Attach Endorsement ML-70.8.8 Waterbed LiabilityForm 4 only * $ 24.00 $ 31.00 $ 35.00 N/AAttach Endorsement ML-209.* Does Not Include Medical Payments.8.9 Business Activities – Business Not Owned By The Insured8.9.1 Clerical $ 4.00 $ 5.00 $ 6.00 $ 1.208.9.2 Salespersons-No Inst. 4.00 5.00 6.00 1.208.9.3 Salespersons-W/Inst. 7.00 8.00 9.00 1.208.9.4 Teachers 12.00 14.00 16.00 1.208.9.5 Teachers-NOC 6.00 7.00 8.00 1.208.9.6 Corporal Punishment * 5.00 6.00 7.00 N/A*Attach Endorsement ML-71.* Does Not Include Medical Payments.8.10 Office, Professional,Private School, OrStudio Occupancy $ 3.00 $ 4.00 $ 7.00 $ 4.00Rating Information applies for each exposure.Attach Endorsement ML-42.8.11 Owned Snowmobile –Off Premises $ 41.00 $ 54.00 $ 60.00 $ 1.20Attach Endorsement ML-165.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-S-E-21 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES8.12 WatercraftEach Outboard MotorInboard/Inboard – OutboardMotorboats <strong>and</strong> Sailboats *LimitsMed Pay$ 100,000/ $ 300,000/ $ 500,000/ Each Add’l$ 1,000 $ 1,000 $ 1,000 $ 500Liability Coverage Included at No ChargeUnder 16 mphLess than 26 ft. $ 12.00 $ 16.00 $ 17.00 $ 3.0026 to 40 ft. 31.00 41.00 80.00 5.00Over 40 ft. 61.00 80.00 89.00 10.0<strong>01</strong>6-30 mphLess than 26 ft. $ 25.00 $ 32.00 $ 36.00 $ 4.0026 to 40 ft. 50.00 65.00 72.00 7.00Over 40 ft. 92.00 119.00 132.00 14.00Over 30 mphLess than 26 ft. $ 61.00 $ 80.00 $ 89.00 $ 10.0026 to 40 ft. 92.00 119.00 132.00 14.00Sailboats –No Auxiliary Power *26 to 40 ft. $ 43.00 $ 56.00 $ 62.00 $ 4.00Personal Watercraft $ 61.00 $ 80.00 $ 89.00 10.00* Charges not applicable to sailboats under 26 feet.Attach Endorsement ML-75.8.14 Personal Injury * $ 11.00 $ 14.00 $ 17.00 N/A* Does not include medical payments.Attach Endorsement ML-46.8.16 Golf CartLiability Coverage $ 54.00 $ 72.00 $ 78.00 $ 4.00Attach Endorsement ML-432.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-S-E-22 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGESLimitsMed Pay$ 100,000/ $ 300,000/ $ 500,000/ Each Add’l$ 1,000 $ 1,000 $ 1,000 $ 5008.17 Motorized VehicleLiability Coverage $ 18.00 $ 24.00 $ 30.00 $ 1.20Attach Endorsement ML-428.9.1 Incidental Farming –Garden Plots $ 22.00 $ 29.00 $ 34.00 $ 1.20Attach Endorsement ML-320.OPTIONAL SUP<strong>PL</strong>EMENTAL COVERAGES10.1 Supplemental Income – Child Care $ 4.00 per PolicyAttach Endorsement WN HO 39.ADDITIONAL AND SECONDARY LOCATIONS11.3 Credit For Liability Coverages $ 17.00 per Policy7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-S-E-23 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGESEmployee DiscountA discount of 15% will be applied to the total policy premium for each policy written inthe name of a person who is:• Employed by <strong>Western</strong> <strong>National</strong> for a period of at least 90 days <strong>and</strong> works 20 hoursor more a week;• Formally retired from <strong>Western</strong> <strong>National</strong> in accordance with company retirementeligibility st<strong>and</strong>ards;• A <strong>Western</strong> <strong>National</strong> board member (immediately at the time of their confirmation); or• A retired <strong>Western</strong> <strong>National</strong> board member with at least 6 years of service.7-1-2<strong>01</strong>0 <strong>IA</strong>-HO-S-E-24 St<strong>and</strong>ard Exception PagesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
PROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 315,000 10,500 164 50,000 35,000 296 320 85,000 59,500 428 46316,000 11,200 168 secondary 51,000 35,700 300 324 86,000 60,200 432 46717,000 11,900 171 locations 52,000 36,400 304 328 87,000 60,900 436 47118,000 12,600 175 only 53,000 37,100 307 332 88,000 61,600 440 47519,000 13,300 179 54,000 37,800 311 336 89,000 62,300 443 47920,000 14,000 183 55,000 38,500 315 340 90,000 63,000 447 48321,000 14,700 186 56,000 39,200 319 344 91,000 63,700 451 48722,000 15,400 190 57,000 39,900 322 348 92,000 64,400 455 49123,000 16,100 194 58,000 40,600 326 352 93,000 65,100 459 49524,000 16,800 198 59,000 41,300 330 357 94,000 65,800 462 50025,000 17,500 202 218 60,000 42,000 334 361 95,000 66,500 466 50426,000 18,200 205 222 61,000 42,700 338 365 96,000 67,200 470 50827,000 18,900 209 226 62,000 43,400 341 369 97,000 67,900 474 51228,000 19,600 213 230 63,000 44,100 345 373 98,000 68,600 477 51629,000 20,300 217 234 64,000 44,800 349 377 99,000 69,300 481 52030,000 21,000 220 238 65,000 45,500 353 381 100,000 70,000 485 52431,000 21,700 224 242 66,000 46,200 356 385 1<strong>01</strong>,000 70,700 489 52832,000 22,400 228 246 67,000 46,900 360 389 102,000 71,400 493 53233,000 23,100 232 250 68,000 47,600 364 393 103,000 72,100 496 53634,000 23,800 236 255 69,000 48,300 368 397 104,000 72,800 500 54035,000 24,500 239 259 70,000 49,000 372 4<strong>01</strong> 105,000 73,500 504 54436,000 25,200 243 263 71,000 49,700 375 406 106,000 74,200 508 54837,000 25,900 247 267 72,000 50,400 379 410 107,000 74,900 511 55338,000 26,600 251 271 73,000 51,100 383 414 108,000 75,600 515 55739,000 27,300 254 275 74,000 51,800 387 418 109,000 76,300 519 56140,000 28,000 258 279 75,000 52,500 391 422 110,000 77,000 523 56541,000 28,700 262 283 76,000 53,200 394 426 111,000 77,700 527 56942,000 29,400 266 287 77,000 53,900 398 430 112,000 78,400 530 57343,000 30,100 270 291 78,000 54,600 402 434 113,000 79,100 534 57744,000 30,800 273 295 79,000 55,300 406 438 114,000 79,800 538 58145,000 31,500 277 299 80,000 56,000 409 442 115,000 80,500 542 58546,000 32,200 281 304 81,000 56,700 413 446 116,000 81,200 545 58947,000 32,900 285 308 82,000 57,400 417 451 117,000 81,900 549 59348,000 33,600 288 312 83,000 58,100 421 455 118,000 82,600 553 59849,000 34,300 292 316 84,000 58,800 425 459 119,000 83,300 557 602<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-1 Effective 1-1-2<strong>01</strong>3
PROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 3120,000 84,000 561 606 155,000 108,500 693 749 190,000 133,000 825 891121,000 84,700 564 610 156,000 109,200 697 753 191,000 133,700 829 896122,000 85,400 568 614 157,000 109,900 700 757 192,000 134,400 833 90<strong>01</strong>23,000 86,100 572 618 158,000 110,600 704 761 193,000 135,100 836 904124,000 86,800 576 622 159,000 111,300 708 765 194,000 135,800 840 908125,000 87,500 580 626 160,000 112,000 712 769 195,000 136,500 844 912126,000 88,200 583 630 161,000 112,700 716 773 196,000 137,200 848 916127,000 88,900 587 634 162,000 113,400 719 777 197,000 137,900 852 92<strong>01</strong>28,000 89,600 591 638 163,000 114,100 723 781 198,000 138,600 855 924129,000 90,300 595 642 164,000 114,800 727 785 199,000 139,300 859 928130,000 91,000 598 647 165,000 115,500 731 789 200,000 140,000 863 932131,000 91,700 602 651 166,000 116,200 734 793 2<strong>01</strong>,000 140,700 867 936132,000 92,400 606 655 167,000 116,900 738 798 202,000 141,400 871 941133,000 93,100 610 659 168,000 117,600 742 802 203,000 142,100 874 945134,000 93,800 614 663 169,000 118,300 746 806 204,000 142,800 878 949135,000 94,500 617 667 170,000 119,000 750 810 205,000 143,500 882 953136,000 95,200 621 671 171,000 119,700 753 814 206,000 144,200 886 957137,000 95,900 625 675 172,000 120,400 757 818 207,000 144,900 889 961138,000 96,600 629 679 173,000 121,100 761 822 208,000 145,600 893 965139,000 97,300 632 683 174,000 121,800 765 826 209,000 146,300 897 969140,000 98,000 636 687 175,000 122,500 768 830 210,000 147,000 9<strong>01</strong> 973141,000 98,700 640 691 176,000 123,200 772 834 211,000 147,700 905 977142,000 99,400 644 696 177,000 123,900 776 838 212,000 148,400 908 981143,000 100,100 648 700 178,000 124,600 780 842 213,000 149,100 912 985144,000 100,800 651 704 179,000 125,300 784 847 214,000 149,800 916 99<strong>01</strong>45,000 1<strong>01</strong>,500 655 708 180,000 126,000 787 851 215,000 150,500 920 994146,000 102,200 659 712 181,000 126,700 791 855 216,000 151,200 923 998147,000 102,900 663 716 182,000 127,400 795 859 217,000 151,900 927 1,002148,000 103,600 666 720 183,000 128,100 799 863 218,000 152,600 931 1,006149,000 104,300 670 724 184,000 128,800 802 867 219,000 153,300 935 1,<strong>01</strong><strong>01</strong>50,000 105,000 674 728 185,000 129,500 806 871 220,000 154,000 939 1,<strong>01</strong>4151,000 105,700 678 732 186,000 130,200 810 875 221,000 154,700 942 1,<strong>01</strong>8152,000 106,400 682 736 187,000 130,900 814 879 222,000 155,400 946 1,022153,000 107,100 685 740 188,000 131,600 818 883 223,000 156,100 950 1,026154,000 107,800 689 744 189,000 132,300 821 887 224,000 156,800 954 1,030<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-2 Effective 1-1-2<strong>01</strong>3
PROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 3225,000 157,500 957 1,034 260,000 182,000 1,090 1,177 295,000 206,500 1,222 1,320226,000 158,200 961 1,039 261,000 182,700 1,093 1,181 296,000 207,200 1,226 1,324227,000 158,900 965 1,043 262,000 183,400 1,097 1,185 297,000 207,900 1,230 1,328228,000 159,600 969 1,047 263,000 184,100 1,1<strong>01</strong> 1,190 298,000 208,600 1,233 1,332229,000 160,300 973 1,051 264,000 184,800 1,105 1,194 299,000 209,300 1,237 1,337230,000 161,000 976 1,055 265,000 185,500 1,109 1,198 300,000 210,000 1,241 1,341231,000 161,700 980 1,059 266,000 186,200 1,112 1,202 3<strong>01</strong>,000 210,700 1,245 1,345232,000 162,400 984 1,063 267,000 186,900 1,116 1,206 302,000 211,400 1,248 1,349233,000 163,100 988 1,067 268,000 187,600 1,120 1,210 303,000 212,100 1,252 1,353234,000 163,800 991 1,071 269,000 188,300 1,124 1,214 304,000 212,800 1,256 1,357235,000 164,500 995 1,075 270,000 189,000 1,127 1,218 305,000 213,500 1,260 1,361236,000 165,200 999 1,079 271,000 189,700 1,131 1,222 306,000 214,200 1,264 1,365237,000 165,900 1,003 1,083 272,000 190,400 1,135 1,226 307,000 214,900 1,267 1,369238,000 166,600 1,007 1,088 273,000 191,100 1,139 1,230 308,000 215,600 1,271 1,373239,000 167,300 1,<strong>01</strong>0 1,092 274,000 191,800 1,143 1,234 309,000 216,300 1,275 1,377240,000 168,000 1,<strong>01</strong>4 1,096 275,000 192,500 1,146 1,239 310,000 217,000 1,279 1,381241,000 168,700 1,<strong>01</strong>8 1,100 276,000 193,200 1,150 1,243 311,000 217,700 1,282 1,386242,000 169,400 1,022 1,104 277,000 193,900 1,154 1,247 312,000 218,400 1,286 1,390243,000 170,100 1,025 1,108 278,000 194,600 1,158 1,251 313,000 219,100 1,290 1,394244,000 170,800 1,029 1,112 279,000 195,300 1,162 1,255 314,000 219,800 1,294 1,398245,000 171,500 1,033 1,116 280,000 196,000 1,165 1,259 315,000 220,500 1,298 1,402246,000 172,200 1,037 1,120 281,000 196,700 1,169 1,263 316,000 221,200 1,3<strong>01</strong> 1,406247,000 172,900 1,041 1,124 282,000 197,400 1,173 1,267 317,000 221,900 1,305 1,410248,000 173,600 1,044 1,128 283,000 198,100 1,177 1,271 318,000 222,600 1,309 1,414249,000 174,300 1,048 1,132 284,000 198,800 1,180 1,275 319,000 223,300 1,313 1,418250,000 175,000 1,052 1,137 285,000 199,500 1,184 1,279 320,000 224,000 1,316 1,422251,000 175,700 1,056 1,141 286,000 200,200 1,188 1,283 321,000 224,700 1,320 1,426252,000 176,400 1,059 1,145 287,000 200,900 1,192 1,288 322,000 225,400 1,324 1,430253,000 177,100 1,063 1,149 288,000 2<strong>01</strong>,600 1,196 1,292 323,000 226,100 1,328 1,435254,000 177,800 1,067 1,153 289,000 202,300 1,199 1,296 324,000 226,800 1,332 1,439255,000 178,500 1,071 1,157 290,000 203,000 1,203 1,300 325,000 227,500 1,335 1,443256,000 179,200 1,075 1,161 291,000 203,700 1,207 1,304 326,000 228,200 1,339 1,447257,000 179,900 1,078 1,165 292,000 204,400 1,211 1,308 327,000 228,900 1,343 1,451258,000 180,600 1,082 1,169 293,000 205,100 1,214 1,312 328,000 229,600 1,347 1,455259,000 181,300 1,086 1,173 294,000 205,800 1,218 1,316 329,000 230,300 1,350 1,459<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-3 Effective 1-1-2<strong>01</strong>3
PROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 3330,000 231,000 1,354 1,463 365,000 255,500 1,487 1,606 400,000 280,000 1,619 1,749331,000 231,700 1,358 1,467 366,000 256,200 1,490 1,610 4<strong>01</strong>,000 280,700 1,623 1,753332,000 232,400 1,362 1,471 367,000 256,900 1,494 1,614 402,000 281,400 1,626 1,757333,000 233,100 1,366 1,475 368,000 257,600 1,498 1,618 403,000 282,100 1,630 1,761334,000 233,800 1,369 1,480 369,000 258,300 1,502 1,622 404,000 282,800 1,634 1,765335,000 234,500 1,373 1,484 370,000 259,000 1,505 1,626 405,000 283,500 1,638 1,769336,000 235,200 1,377 1,488 371,000 259,700 1,509 1,631 406,000 284,200 1,642 1,774337,000 235,900 1,381 1,492 372,000 260,400 1,513 1,635 407,000 284,900 1,645 1,778338,000 236,600 1,384 1,496 373,000 261,100 1,517 1,639 408,000 285,600 1,649 1,782339,000 237,300 1,388 1,500 374,000 261,800 1,521 1,643 409,000 286,300 1,653 1,786340,000 238,000 1,392 1,504 375,000 262,500 1,524 1,647 410,000 287,000 1,657 1,790341,000 238,700 1,396 1,508 376,000 263,200 1,528 1,651 411,000 287,700 1,660 1,794342,000 239,400 1,400 1,512 377,000 263,900 1,532 1,655 412,000 288,400 1,664 1,798343,000 240,100 1,403 1,516 378,000 264,600 1,536 1,659 413,000 289,100 1,668 1,802344,000 240,800 1,407 1,520 379,000 265,300 1,539 1,663 414,000 289,800 1,672 1,806345,000 241,500 1,411 1,524 380,000 266,000 1,543 1,667 415,000 290,500 1,676 1,810346,000 242,200 1,415 1,529 381,000 266,700 1,547 1,671 416,000 291,200 1,679 1,814347,000 242,900 1,419 1,533 382,000 267,400 1,551 1,675 417,000 291,900 1,683 1,818348,000 243,600 1,422 1,537 383,000 268,100 1,555 1,680 418,000 292,600 1,687 1,823349,000 244,300 1,426 1,541 384,000 268,800 1,558 1,684 419,000 293,300 1,691 1,827350,000 245,000 1,430 1,545 385,000 269,500 1,562 1,688 420,000 294,000 1,694 1,831351,000 245,700 1,434 1,549 386,000 270,200 1,566 1,692 421,000 294,700 1,698 1,835352,000 246,400 1,437 1,553 387,000 270,900 1,570 1,696 422,000 295,400 1,702 1,839353,000 247,100 1,441 1,557 388,000 271,600 1,573 1,700 423,000 296,100 1,706 1,843354,000 247,800 1,445 1,561 389,000 272,300 1,577 1,704 424,000 296,800 1,710 1,847355,000 248,500 1,449 1,565 390,000 273,000 1,581 1,708 425,000 297,500 1,713 1,851356,000 249,200 1,453 1,569 391,000 273,700 1,585 1,712 426,000 298,200 1,717 1,855357,000 249,900 1,456 1,573 392,000 274,400 1,589 1,716 427,000 298,900 1,721 1,859358,000 250,600 1,460 1,578 393,000 275,100 1,592 1,720 428,000 299,600 1,725 1,863359,000 251,300 1,464 1,582 394,000 275,800 1,596 1,724 429,000 300,300 1,728 1,867360,000 252,000 1,468 1,586 395,000 276,500 1,600 1,729 430,000 3<strong>01</strong>,000 1,732 1,872361,000 252,700 1,471 1,590 396,000 277,200 1,604 1,733 431,000 3<strong>01</strong>,700 1,736 1,876362,000 253,400 1,475 1,594 397,000 277,900 1,607 1,737 432,000 302,400 1,740 1,880363,000 254,100 1,479 1,598 398,000 278,600 1,611 1,741 433,000 303,100 1,744 1,884364,000 254,800 1,483 1,602 399,000 279,300 1,615 1,745 434,000 303,800 1,747 1,888<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-4 Effective 1-1-2<strong>01</strong>3
PROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 3435,000 304,500 1,751 1,892 470,000 329,000 1,883 2,035 505,000 353,500 2,<strong>01</strong>6 2,178436,000 305,200 1,755 1,896 471,000 329,700 1,887 2,039 506,000 354,200 2,<strong>01</strong>9 2,182437,000 305,900 1,759 1,900 472,000 330,400 1,891 2,043 507,000 354,900 2,023 2,186438,000 306,600 1,762 1,904 473,000 331,100 1,895 2,047 508,000 355,600 2,027 2,190439,000 307,300 1,766 1,908 474,000 331,800 1,899 2,051 509,000 356,300 2,031 2,194440,000 308,000 1,770 1,912 475,000 332,500 1,902 2,055 510,000 357,000 2,035 2,198441,000 308,700 1,774 1,916 476,000 333,200 1,906 2,059 511,000 357,700 2,038 2,202442,000 309,400 1,778 1,921 477,000 333,900 1,910 2,063 512,000 358,400 2,042 2,206443,000 310,100 1,781 1,925 478,000 334,600 1,914 2,068 513,000 359,100 2,046 2,210444,000 310,800 1,785 1,929 479,000 335,300 1,917 2,072 514,000 359,800 2,050 2,215445,000 311,500 1,789 1,933 480,000 336,000 1,921 2,076 515,000 360,500 2,053 2,219446,000 312,200 1,793 1,937 481,000 336,700 1,925 2,080 516,000 361,200 2,057 2,223447,000 312,900 1,796 1,941 482,000 337,400 1,929 2,084 517,000 361,900 2,061 2,227448,000 313,600 1,800 1,945 483,000 338,100 1,933 2,088 518,000 362,600 2,065 2,231449,000 314,300 1,804 1,949 484,000 338,800 1,936 2,092 519,000 363,300 2,069 2,235450,000 315,000 1,808 1,953 485,000 339,500 1,940 2,096 520,000 364,000 2,072 2,239451,000 315,700 1,812 1,957 486,000 340,200 1,944 2,100 521,000 364,700 2,076 2,243452,000 316,400 1,815 1,961 487,000 340,900 1,948 2,104 522,000 365,400 2,080 2,247453,000 317,100 1,819 1,965 488,000 341,600 1,951 2,108 523,000 366,100 2,084 2,251454,000 317,800 1,823 1,970 489,000 342,300 1,955 2,112 524,000 366,800 2,087 2,255455,000 318,500 1,827 1,974 490,000 343,000 1,959 2,117 525,000 367,500 2,091 2,259456,000 319,200 1,830 1,978 491,000 343,700 1,963 2,121 526,000 368,200 2,095 2,264457,000 319,900 1,834 1,982 492,000 344,400 1,967 2,125 527,000 368,900 2,099 2,268458,000 320,600 1,838 1,986 493,000 345,100 1,970 2,129 528,000 369,600 2,103 2,272459,000 321,300 1,842 1,990 494,000 345,800 1,974 2,133 529,000 370,300 2,106 2,276460,000 322,000 1,846 1,994 495,000 346,500 1,978 2,137 530,000 371,000 2,110 2,280461,000 322,700 1,849 1,998 496,000 347,200 1,982 2,141 531,000 371,700 2,114 2,284462,000 323,400 1,853 2,002 497,000 347,900 1,985 2,145 532,000 372,400 2,118 2,288463,000 324,100 1,857 2,006 498,000 348,600 1,989 2,149 533,000 373,100 2,122 2,292464,000 324,800 1,861 2,<strong>01</strong>0 499,000 349,300 1,993 2,153 534,000 373,800 2,125 2,296465,000 325,500 1,864 2,<strong>01</strong>4 500,000 350,000 1,997 2,157 535,000 374,500 2,129 2,300466,000 326,200 1,868 2,<strong>01</strong>9 5<strong>01</strong>,000 350,700 2,0<strong>01</strong> 2,161 536,000 375,200 2,133 2,304467,000 326,900 1,872 2,023 502,000 351,400 2,004 2,166 537,000 375,900 2,137 2,308468,000 327,600 1,876 2,027 503,000 352,100 2,008 2,170 538,000 376,600 2,140 2,313469,000 328,300 1,880 2,031 504,000 352,800 2,<strong>01</strong>2 2,174 539,000 377,300 2,144 2,317<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-5 Effective 1-1-2<strong>01</strong>3
PROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 3540,000 378,000 2,148 2,321 565,000 395,500 2,242 2,423 590,000 413,000 2,337 2,525541,000 378,700 2,152 2,325 566,000 396,200 2,246 2,427 591,000 413,700 2,341 2,529542,000 379,400 2,156 2,329 567,000 396,900 2,250 2,431 592,000 414,400 2,344 2,533543,000 380,100 2,159 2,333 568,000 397,600 2,254 2,435 593,000 415,100 2,348 2,537544,000 380,800 2,163 2,337 569,000 398,300 2,258 2,439 594,000 415,800 2,352 2,541545,000 381,500 2,167 2,341 570,000 399,000 2,261 2,443 595,000 416,500 2,356 2,545546,000 382,200 2,171 2,345 571,000 399,700 2,265 2,447 596,000 417,200 2,360 2,549547,000 382,900 2,174 2,349 572,000 400,400 2,269 2,451 597,000 417,900 2,363 2,553548,000 383,600 2,178 2,353 573,000 4<strong>01</strong>,100 2,273 2,455 598,000 418,600 2,367 2,558549,000 384,300 2,182 2,357 574,000 4<strong>01</strong>,800 2,276 2,460 599,000 419,300 2,371 2,562550,000 385,000 2,186 2,362 575,000 402,500 2,280 2,464 600,000 420,000 2,375 2,566551,000 385,700 2,190 2,366 576,000 403,200 2,284 2,468552,000 386,400 2,193 2,370 577,000 403,900 2,288 2,472Refer to company for higher553,000 387,100 2,197 2,374 578,000 404,600 2,292 2,476policy limits554,000 387,800 2,2<strong>01</strong> 2,378 579,000 405,300 2,295 2,480555,000 388,500 2,205 2,382 580,000 406,000 2,299 2,484556,000 389,200 2,208 2,386 581,000 406,700 2,303 2,488557,000 389,900 2,212 2,390 582,000 407,400 2,307 2,492558,000 390,600 2,216 2,394 583,000 408,100 2,310 2,496559,000 391,300 2,220 2,398 584,000 408,800 2,314 2,500560,000 392,000 2,224 2,402 585,000 409,500 2,318 2,504561,000 392,700 2,227 2,406 586,000 410,200 2,322 2,509562,000 393,400 2,231 2,411 587,000 410,900 2,326 2,513563,000 394,100 2,235 2,415 588,000 411,600 2,329 2,517564,000 394,800 2,239 2,419 589,000 412,300 2,333 2,521<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-6 Effective 1-1-2<strong>01</strong>3
PART<strong>IA</strong>LLY PROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 315,000 10,500 251 50,000 35,000 455 491 85,000 59,500 658 71116,000 11,200 257 secondary 51,000 35,700 461 498 86,000 60,200 664 71717,000 11,900 263 locations 52,000 36,400 466 504 87,000 60,900 669 72318,000 12,600 269 only 53,000 37,100 472 510 88,000 61,600 675 73<strong>01</strong>9,000 13,300 275 54,000 37,800 478 516 89,000 62,300 681 73620,000 14,000 281 55,000 38,500 484 523 90,000 63,000 687 74221,000 14,700 286 56,000 39,200 490 529 91,000 63,700 693 74822,000 15,400 292 57,000 39,900 495 535 92,000 64,400 699 75523,000 16,100 298 58,000 40,600 5<strong>01</strong> 541 93,000 65,100 704 76124,000 16,800 304 59,000 41,300 507 548 94,000 65,800 710 76725,000 17,500 310 335 60,000 42,000 513 554 95,000 66,500 716 77426,000 18,200 315 341 61,000 42,700 519 560 96,000 67,200 722 78027,000 18,900 321 347 62,000 43,400 524 567 97,000 67,900 728 78628,000 19,600 327 353 63,000 44,100 530 573 98,000 68,600 733 79229,000 20,300 333 360 64,000 44,800 536 579 99,000 69,300 739 79930,000 21,000 339 366 65,000 45,500 542 585 100,000 70,000 745 80531,000 21,700 344 372 66,000 46,200 548 592 1<strong>01</strong>,000 70,700 751 81132,000 22,400 350 378 67,000 46,900 553 598 102,000 71,400 757 81733,000 23,100 356 385 68,000 47,600 559 604 103,000 72,100 762 82434,000 23,800 362 391 69,000 48,300 565 610 104,000 72,800 768 83035,000 24,500 368 397 70,000 49,000 571 617 105,000 73,500 774 83636,000 25,200 373 403 71,000 49,700 577 623 106,000 74,200 780 84237,000 25,900 379 410 72,000 50,400 582 629 107,000 74,900 786 84938,000 26,600 385 416 73,000 51,100 588 636 108,000 75,600 791 85539,000 27,300 391 422 74,000 51,800 594 642 109,000 76,300 797 86140,000 28,000 397 429 75,000 52,500 600 648 110,000 77,000 803 86841,000 28,700 402 435 76,000 53,200 606 654 111,000 77,700 809 87442,000 29,400 408 441 77,000 53,900 611 661 112,000 78,400 815 88043,000 30,100 414 447 78,000 54,600 617 667 113,000 79,100 820 88644,000 30,800 420 454 79,000 55,300 623 673 114,000 79,800 826 89345,000 31,500 426 460 80,000 56,000 629 679 115,000 80,500 832 89946,000 32,200 431 466 81,000 56,700 635 686 116,000 81,200 838 90547,000 32,900 437 472 82,000 57,400 641 692 117,000 81,900 844 91248,000 33,600 443 479 83,000 58,100 646 698 118,000 82,600 849 91849,000 34,300 449 485 84,000 58,800 652 705 119,000 83,300 855 924<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-7 Effective 1-1-2<strong>01</strong>3
PART<strong>IA</strong>LLY PROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 3120,000 84,000 861 930 155,000 108,500 1,064 1,150 190,000 133,000 1,267 1,369121,000 84,700 867 937 156,000 109,200 1,070 1,156 191,000 133,700 1,273 1,376122,000 85,400 873 943 157,000 109,900 1,076 1,162 192,000 134,400 1,279 1,382123,000 86,100 879 949 158,000 110,600 1,082 1,169 193,000 135,100 1,285 1,388124,000 86,800 884 955 159,000 111,300 1,087 1,175 194,000 135,800 1,291 1,394125,000 87,500 890 962 160,000 112,000 1,093 1,181 195,000 136,500 1,296 1,4<strong>01</strong>126,000 88,200 896 968 161,000 112,700 1,099 1,187 196,000 137,200 1,302 1,407127,000 88,900 902 974 162,000 113,400 1,105 1,194 197,000 137,900 1,308 1,413128,000 89,600 908 980 163,000 114,100 1,111 1,200 198,000 138,600 1,314 1,42<strong>01</strong>29,000 90,300 913 987 164,000 114,800 1,117 1,206 199,000 139,300 1,320 1,426130,000 91,000 919 993 165,000 115,500 1,122 1,213 200,000 140,000 1,326 1,432131,000 91,700 925 999 166,000 116,200 1,128 1,219 2<strong>01</strong>,000 140,700 1,331 1,438132,000 92,400 931 1,006 167,000 116,900 1,134 1,225 202,000 141,400 1,337 1,445133,000 93,100 937 1,<strong>01</strong>2 168,000 117,600 1,140 1,231 203,000 142,100 1,343 1,451134,000 93,800 942 1,<strong>01</strong>8 169,000 118,300 1,146 1,238 204,000 142,800 1,349 1,457135,000 94,500 948 1,024 170,000 119,000 1,151 1,244 205,000 143,500 1,355 1,463136,000 95,200 954 1,031 171,000 119,700 1,157 1,250 206,000 144,200 1,360 1,47<strong>01</strong>37,000 95,900 960 1,037 172,000 120,400 1,163 1,256 207,000 144,900 1,366 1,476138,000 96,600 966 1,043 173,000 121,100 1,169 1,263 208,000 145,600 1,372 1,482139,000 97,300 971 1,049 174,000 121,800 1,175 1,269 209,000 146,300 1,378 1,489140,000 98,000 977 1,056 175,000 122,500 1,180 1,275 210,000 147,000 1,384 1,495141,000 98,700 983 1,062 176,000 123,200 1,186 1,282 211,000 147,700 1,389 1,5<strong>01</strong>142,000 99,400 989 1,068 177,000 123,900 1,192 1,288 212,000 148,400 1,395 1,507143,000 100,100 995 1,075 178,000 124,600 1,198 1,294 213,000 149,100 1,4<strong>01</strong> 1,514144,000 100,800 1,000 1,081 179,000 125,300 1,204 1,300 214,000 149,800 1,407 1,52<strong>01</strong>45,000 1<strong>01</strong>,500 1,006 1,087 180,000 126,000 1,209 1,307 215,000 150,500 1,413 1,526146,000 102,200 1,<strong>01</strong>2 1,093 181,000 126,700 1,215 1,313 216,000 151,200 1,418 1,532147,000 102,900 1,<strong>01</strong>8 1,100 182,000 127,400 1,221 1,319 217,000 151,900 1,424 1,539148,000 103,600 1,024 1,106 183,000 128,100 1,227 1,325 218,000 152,600 1,430 1,545149,000 104,300 1,029 1,112 184,000 128,800 1,233 1,332 219,000 153,300 1,436 1,551150,000 105,000 1,035 1,118 185,000 129,500 1,238 1,338 220,000 154,000 1,442 1,557151,000 105,700 1,041 1,125 186,000 130,200 1,244 1,344 221,000 154,700 1,447 1,564152,000 106,400 1,047 1,131 187,000 130,900 1,250 1,350 222,000 155,400 1,453 1,57<strong>01</strong>53,000 107,100 1,053 1,137 188,000 131,600 1,256 1,357 223,000 156,100 1,459 1,576154,000 107,800 1,058 1,144 189,000 132,300 1,262 1,363 224,000 156,800 1,465 1,583<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-8 Effective 1-1-2<strong>01</strong>3
PART<strong>IA</strong>LLY PROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 3225,000 157,500 1,471 1,589 260,000 182,000 1,674 1,808 295,000 206,500 1,877 2,028226,000 158,200 1,476 1,595 261,000 182,700 1,680 1,815 296,000 207,200 1,883 2,034227,000 158,900 1,482 1,6<strong>01</strong> 262,000 183,400 1,685 1,821 297,000 207,900 1,889 2,040228,000 159,600 1,488 1,608 263,000 184,100 1,691 1,827 298,000 208,600 1,894 2,047229,000 160,300 1,494 1,614 264,000 184,800 1,697 1,833 299,000 209,300 1,900 2,053230,000 161,000 1,500 1,620 265,000 185,500 1,703 1,840 300,000 210,000 1,906 2,059231,000 161,700 1,505 1,627 266,000 186,200 1,709 1,846 3<strong>01</strong>,000 210,700 1,912 2,066232,000 162,400 1,511 1,633 267,000 186,900 1,714 1,852 302,000 211,400 1,918 2,072233,000 163,100 1,517 1,639 268,000 187,600 1,720 1,859 303,000 212,100 1,923 2,078234,000 163,800 1,523 1,645 269,000 188,300 1,726 1,865 304,000 212,800 1,929 2,084235,000 164,500 1,529 1,652 270,000 189,000 1,732 1,871 305,000 213,500 1,935 2,091236,000 165,200 1,534 1,658 271,000 189,700 1,738 1,877 306,000 214,200 1,941 2,097237,000 165,900 1,540 1,664 272,000 190,400 1,743 1,884 307,000 214,900 1,947 2,103238,000 166,600 1,546 1,670 273,000 191,100 1,749 1,890 308,000 215,600 1,952 2,109239,000 167,300 1,552 1,677 274,000 191,800 1,755 1,896 309,000 216,300 1,958 2,116240,000 168,000 1,558 1,683 275,000 192,500 1,761 1,902 310,000 217,000 1,964 2,122241,000 168,700 1,564 1,689 276,000 193,200 1,767 1,909 311,000 217,700 1,970 2,128242,000 169,400 1,569 1,696 277,000 193,900 1,772 1,915 312,000 218,400 1,976 2,134243,000 170,100 1,575 1,702 278,000 194,600 1,778 1,921 313,000 219,100 1,981 2,141244,000 170,800 1,581 1,708 279,000 195,300 1,784 1,928 314,000 219,800 1,987 2,147245,000 171,500 1,587 1,714 280,000 196,000 1,790 1,934 315,000 220,500 1,993 2,153246,000 172,200 1,593 1,721 281,000 196,700 1,796 1,940 316,000 221,200 1,999 2,160247,000 172,900 1,598 1,727 282,000 197,400 1,8<strong>01</strong> 1,946 317,000 221,900 2,005 2,166248,000 173,600 1,604 1,733 283,000 198,100 1,807 1,953 318,000 222,600 2,<strong>01</strong>0 2,172249,000 174,300 1,610 1,739 284,000 198,800 1,813 1,959 319,000 223,300 2,<strong>01</strong>6 2,178250,000 175,000 1,616 1,746 285,000 199,500 1,819 1,965 320,000 224,000 2,022 2,185251,000 175,700 1,622 1,752 286,000 200,200 1,825 1,971 321,000 224,700 2,028 2,191252,000 176,400 1,627 1,758 287,000 200,900 1,831 1,978 322,000 225,400 2,034 2,197253,000 177,100 1,633 1,765 288,000 2<strong>01</strong>,600 1,836 1,984 323,000 226,100 2,039 2,203254,000 177,800 1,639 1,771 289,000 202,300 1,842 1,990 324,000 226,800 2,045 2,210255,000 178,500 1,645 1,777 290,000 203,000 1,848 1,997 325,000 227,500 2,051 2,216256,000 179,200 1,651 1,783 291,000 203,700 1,854 2,003 326,000 228,200 2,057 2,222257,000 179,900 1,656 1,790 292,000 204,400 1,860 2,009 327,000 228,900 2,063 2,229258,000 180,600 1,662 1,796 293,000 205,100 1,865 2,<strong>01</strong>5 328,000 229,600 2,069 2,235259,000 181,300 1,668 1,802 294,000 205,800 1,871 2,022 329,000 230,300 2,074 2,241<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-9 Effective 1-1-2<strong>01</strong>3
PART<strong>IA</strong>LLY PROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 3330,000 231,000 2,080 2,247 365,000 255,500 2,283 2,467 400,000 280,000 2,487 2,686331,000 231,700 2,086 2,254 366,000 256,200 2,289 2,473 4<strong>01</strong>,000 280,700 2,492 2,693332,000 232,400 2,092 2,260 367,000 256,900 2,295 2,479 402,000 281,400 2,498 2,699333,000 233,100 2,098 2,266 368,000 257,600 2,3<strong>01</strong> 2,486 403,000 282,100 2,504 2,705334,000 233,800 2,103 2,273 369,000 258,300 2,307 2,492 404,000 282,800 2,510 2,712335,000 234,500 2,109 2,279 370,000 259,000 2,312 2,498 405,000 283,500 2,516 2,718336,000 235,200 2,115 2,285 371,000 259,700 2,318 2,505 406,000 284,200 2,521 2,724337,000 235,900 2,121 2,291 372,000 260,400 2,324 2,511 407,000 284,900 2,527 2,730338,000 236,600 2,127 2,298 373,000 261,100 2,330 2,517 408,000 285,600 2,533 2,737339,000 237,300 2,132 2,304 374,000 261,800 2,336 2,523 409,000 286,300 2,539 2,743340,000 238,000 2,138 2,310 375,000 262,500 2,341 2,530 410,000 287,000 2,545 2,749341,000 238,700 2,144 2,316 376,000 263,200 2,347 2,536 411,000 287,700 2,550 2,755342,000 239,400 2,150 2,323 377,000 263,900 2,353 2,542 412,000 288,400 2,556 2,762343,000 240,100 2,156 2,329 378,000 264,600 2,359 2,549 413,000 289,100 2,562 2,768344,000 240,800 2,161 2,335 379,000 265,300 2,365 2,555 414,000 289,800 2,568 2,774345,000 241,500 2,167 2,342 380,000 266,000 2,370 2,561 415,000 290,500 2,574 2,781346,000 242,200 2,173 2,348 381,000 266,700 2,376 2,567 416,000 291,200 2,579 2,787347,000 242,900 2,179 2,354 382,000 267,400 2,382 2,574 417,000 291,900 2,585 2,793348,000 243,600 2,185 2,360 383,000 268,100 2,388 2,580 418,000 292,600 2,591 2,799349,000 244,300 2,190 2,367 384,000 268,800 2,394 2,586 419,000 293,300 2,597 2,806350,000 245,000 2,196 2,373 385,000 269,500 2,399 2,592 420,000 294,000 2,603 2,812351,000 245,700 2,202 2,379 386,000 270,200 2,405 2,599 421,000 294,700 2,608 2,818352,000 246,400 2,208 2,385 387,000 270,900 2,411 2,605 422,000 295,400 2,614 2,824353,000 247,100 2,214 2,392 388,000 271,600 2,417 2,611 423,000 296,100 2,620 2,831354,000 247,800 2,219 2,398 389,000 272,300 2,423 2,617 424,000 296,800 2,626 2,837355,000 248,500 2,225 2,404 390,000 273,000 2,428 2,624 425,000 297,500 2,632 2,843356,000 249,200 2,231 2,410 391,000 273,700 2,434 2,630 426,000 298,200 2,637 2,850357,000 249,900 2,237 2,417 392,000 274,400 2,440 2,636 427,000 298,900 2,643 2,856358,000 250,600 2,243 2,423 393,000 275,100 2,446 2,643 428,000 299,600 2,649 2,862359,000 251,300 2,249 2,429 394,000 275,800 2,452 2,649 429,000 300,300 2,655 2,868360,000 252,000 2,254 2,436 395,000 276,500 2,457 2,655 430,000 3<strong>01</strong>,000 2,661 2,875361,000 252,700 2,260 2,442 396,000 277,200 2,463 2,661 431,000 3<strong>01</strong>,700 2,667 2,881362,000 253,400 2,266 2,448 397,000 277,900 2,469 2,668 432,000 302,400 2,672 2,887363,000 254,100 2,272 2,454 398,000 278,600 2,475 2,674 433,000 303,100 2,678 2,893364,000 254,800 2,278 2,461 399,000 279,300 2,481 2,680 434,000 303,800 2,684 2,900<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-10 Effective 1-1-2<strong>01</strong>3
PART<strong>IA</strong>LLY PROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 3435,000 304,500 2,690 2,906 470,000 329,000 2,893 3,126 505,000 353,500 3,096 3,345436,000 305,200 2,695 2,912 471,000 329,700 2,899 3,132 506,000 354,200 3,102 3,351437,000 305,900 2,7<strong>01</strong> 2,919 472,000 330,400 2,905 3,138 507,000 354,900 3,108 3,358438,000 306,600 2,707 2,925 473,000 331,100 2,910 3,144 508,000 355,600 3,113 3,364439,000 307,300 2,713 2,931 474,000 331,800 2,916 3,151 509,000 356,300 3,119 3,370440,000 308,000 2,719 2,937 475,000 332,500 2,922 3,157 510,000 357,000 3,125 3,376441,000 308,700 2,725 2,944 476,000 333,200 2,928 3,163 511,000 357,700 3,131 3,383442,000 309,400 2,730 2,950 477,000 333,900 2,934 3,169 512,000 358,400 3,137 3,389443,000 310,100 2,736 2,956 478,000 334,600 2,939 3,176 513,000 359,100 3,143 3,395444,000 310,800 2,742 2,962 479,000 335,300 2,945 3,182 514,000 359,800 3,148 3,402445,000 311,500 2,748 2,969 480,000 336,000 2,951 3,188 515,000 360,500 3,154 3,408446,000 312,200 2,754 2,975 481,000 336,700 2,957 3,195 516,000 361,200 3,160 3,414447,000 312,900 2,759 2,981 482,000 337,400 2,963 3,2<strong>01</strong> 517,000 361,900 3,166 3,420448,000 313,600 2,765 2,988 483,000 338,100 2,968 3,207 518,000 362,600 3,172 3,427449,000 314,300 2,771 2,994 484,000 338,800 2,974 3,213 519,000 363,300 3,177 3,433450,000 315,000 2,777 3,000 485,000 339,500 2,980 3,220 520,000 364,000 3,183 3,439451,000 315,700 2,783 3,006 486,000 340,200 2,986 3,226 521,000 364,700 3,189 3,445452,000 316,400 2,788 3,<strong>01</strong>3 487,000 340,900 2,992 3,232 522,000 365,400 3,195 3,452453,000 317,100 2,794 3,<strong>01</strong>9 488,000 341,600 2,997 3,238 523,000 366,100 3,2<strong>01</strong> 3,458454,000 317,800 2,800 3,025 489,000 342,300 3,003 3,245 524,000 366,800 3,206 3,464455,000 318,500 2,806 3,031 490,000 343,000 3,009 3,251 525,000 367,500 3,212 3,470456,000 319,200 2,812 3,038 491,000 343,700 3,<strong>01</strong>5 3,257 526,000 368,200 3,218 3,477457,000 319,900 2,817 3,044 492,000 344,400 3,021 3,264 527,000 368,900 3,224 3,483458,000 320,600 2,823 3,050 493,000 345,100 3,026 3,270 528,000 369,600 3,230 3,489459,000 321,300 2,829 3,057 494,000 345,800 3,032 3,276 529,000 370,300 3,235 3,496460,000 322,000 2,835 3,063 495,000 346,500 3,038 3,282 530,000 371,000 3,241 3,502461,000 322,700 2,841 3,069 496,000 347,200 3,044 3,289 531,000 371,700 3,247 3,508462,000 323,400 2,846 3,075 497,000 347,900 3,050 3,295 532,000 372,400 3,253 3,514463,000 324,100 2,852 3,082 498,000 348,600 3,055 3,3<strong>01</strong> 533,000 373,100 3,259 3,521464,000 324,800 2,858 3,088 499,000 349,300 3,061 3,307 534,000 373,800 3,264 3,527465,000 325,500 2,864 3,094 500,000 350,000 3,067 3,314 535,000 374,500 3,270 3,533466,000 326,200 2,870 3,100 5<strong>01</strong>,000 350,700 3,073 3,320 536,000 375,200 3,276 3,539467,000 326,900 2,875 3,107 502,000 351,400 3,079 3,326 537,000 375,900 3,282 3,546468,000 327,600 2,881 3,113 503,000 352,100 3,085 3,333 538,000 376,600 3,288 3,552469,000 328,300 2,887 3,119 504,000 352,800 3,090 3,339 539,000 377,300 3,293 3,558<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-11 Effective 1-1-2<strong>01</strong>3
PART<strong>IA</strong>LLY PROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 3540,000 378,000 3,299 3,565 565,000 395,500 3,444 3,721 590,000 413,000 3,590 3,878541,000 378,700 3,305 3,571 566,000 396,200 3,450 3,728 591,000 413,700 3,595 3,884542,000 379,400 3,311 3,577 567,000 396,900 3,456 3,734 592,000 414,400 3,6<strong>01</strong> 3,891543,000 380,100 3,317 3,583 568,000 397,600 3,462 3,740 593,000 415,100 3,607 3,897544,000 380,800 3,323 3,590 569,000 398,300 3,468 3,746 594,000 415,800 3,613 3,903545,000 381,500 3,328 3,596 570,000 399,000 3,473 3,753 595,000 416,500 3,619 3,910546,000 382,200 3,334 3,602 571,000 399,700 3,479 3,759 596,000 417,200 3,624 3,916547,000 382,900 3,340 3,609 572,000 400,400 3,485 3,765 597,000 417,900 3,630 3,922548,000 383,600 3,346 3,615 573,000 4<strong>01</strong>,100 3,491 3,772 598,000 418,600 3,636 3,928549,000 384,300 3,352 3,621 574,000 4<strong>01</strong>,800 3,497 3,778 599,000 419,300 3,642 3,935550,000 385,000 3,357 3,627 575,000 402,500 3,503 3,784 600,000 420,000 3,648 3,941551,000 385,700 3,363 3,634 576,000 403,200 3,508 3,790552,000 386,400 3,369 3,640 577,000 403,900 3,514 3,797Refer to company for higher553,000 387,100 3,375 3,646 578,000 404,600 3,520 3,803policy limits554,000 387,800 3,381 3,652 579,000 405,300 3,526 3,809555,000 388,500 3,386 3,659 580,000 406,000 3,531 3,815556,000 389,200 3,392 3,665 581,000 406,700 3,537 3,822557,000 389,900 3,398 3,671 582,000 407,400 3,543 3,828558,000 390,600 3,404 3,678 583,000 408,100 3,549 3,834559,000 391,300 3,410 3,684 584,000 408,800 3,555 3,841560,000 392,000 3,415 3,690 585,000 409,500 3,561 3,847561,000 392,700 3,421 3,696 586,000 410,200 3,566 3,853562,000 393,400 3,427 3,703 587,000 410,900 3,572 3,859563,000 394,100 3,433 3,709 588,000 411,600 3,578 3,866564,000 394,800 3,439 3,715 589,000 412,300 3,584 3,872<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-12 Effective 1-1-2<strong>01</strong>3
UNPROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 315,000 10,500 362 50,000 35,000 654 707 85,000 59,500 947 1,02316,000 11,200 370 secondary 51,000 35,700 663 716 86,000 60,200 955 1,03217,000 11,900 379 locations 52,000 36,400 671 725 87,000 60,900 963 1,04118,000 12,600 387 only 53,000 37,100 679 734 88,000 61,600 972 1,05<strong>01</strong>9,000 13,300 395 54,000 37,800 688 743 89,000 62,300 980 1,05920,000 14,000 404 55,000 38,500 696 752 90,000 63,000 988 1,06821,000 14,700 412 56,000 39,200 704 761 91,000 63,700 997 1,07722,000 15,400 420 57,000 39,900 713 770 92,000 64,400 1,005 1,08623,000 16,100 429 58,000 40,600 721 779 93,000 65,100 1,<strong>01</strong>3 1,09524,000 16,800 437 59,000 41,300 729 788 94,000 65,800 1,022 1,10425,000 17,500 445 481 60,000 42,000 738 797 95,000 66,500 1,030 1,11326,000 18,200 454 490 61,000 42,700 746 806 96,000 67,200 1,038 1,12227,000 18,900 462 499 62,000 43,400 754 815 97,000 67,900 1,047 1,13128,000 19,600 470 508 63,000 44,100 763 824 98,000 68,600 1,055 1,14029,000 20,300 479 517 64,000 44,800 771 833 99,000 69,300 1,063 1,14930,000 21,000 487 526 65,000 45,500 780 842 100,000 70,000 1,072 1,15831,000 21,700 496 535 66,000 46,200 788 851 1<strong>01</strong>,000 70,700 1,080 1,16732,000 22,400 504 544 67,000 46,900 796 860 102,000 71,400 1,089 1,17633,000 23,100 512 553 68,000 47,600 805 869 103,000 72,100 1,097 1,18534,000 23,800 521 562 69,000 48,300 813 878 104,000 72,800 1,105 1,19435,000 24,500 529 571 70,000 49,000 821 887 105,000 73,500 1,114 1,20336,000 25,200 537 580 71,000 49,700 830 896 106,000 74,200 1,122 1,21237,000 25,900 546 589 72,000 50,400 838 905 107,000 74,900 1,130 1,22138,000 26,600 554 598 73,000 51,100 846 914 108,000 75,600 1,139 1,23039,000 27,300 562 608 74,000 51,800 855 923 109,000 76,300 1,147 1,23940,000 28,000 571 617 75,000 52,500 863 932 110,000 77,000 1,155 1,24841,000 28,700 579 626 76,000 53,200 871 941 111,000 77,700 1,164 1,25742,000 29,400 587 635 77,000 53,900 880 951 112,000 78,400 1,172 1,26643,000 30,100 596 644 78,000 54,600 888 960 113,000 79,100 1,180 1,27544,000 30,800 604 653 79,000 55,300 896 969 114,000 79,800 1,189 1,28445,000 31,500 612 662 80,000 56,000 905 978 115,000 80,500 1,197 1,29346,000 32,200 621 671 81,000 56,700 913 987 116,000 81,200 1,206 1,30247,000 32,900 629 680 82,000 57,400 922 996 117,000 81,900 1,214 1,31148,000 33,600 638 689 83,000 58,100 930 1,005 118,000 82,600 1,222 1,32149,000 34,300 646 698 84,000 58,800 938 1,<strong>01</strong>4 119,000 83,300 1,231 1,330<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-13 Effective 1-1-2<strong>01</strong>3
UNPROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 3120,000 84,000 1,239 1,339 155,000 108,500 1,531 1,654 190,000 133,000 1,824 1,97<strong>01</strong>21,000 84,700 1,247 1,348 156,000 109,200 1,540 1,663 191,000 133,700 1,832 1,979122,000 85,400 1,256 1,357 157,000 109,900 1,548 1,672 192,000 134,400 1,840 1,988123,000 86,100 1,264 1,366 158,000 110,600 1,556 1,681 193,000 135,100 1,849 1,997124,000 86,800 1,272 1,375 159,000 111,300 1,565 1,691 194,000 135,800 1,857 2,006125,000 87,500 1,281 1,384 160,000 112,000 1,573 1,700 195,000 136,500 1,865 2,<strong>01</strong>5126,000 88,200 1,289 1,393 161,000 112,700 1,581 1,709 196,000 137,200 1,874 2,024127,000 88,900 1,297 1,402 162,000 113,400 1,590 1,718 197,000 137,900 1,882 2,033128,000 89,600 1,306 1,411 163,000 114,100 1,598 1,727 198,000 138,600 1,890 2,042129,000 90,300 1,314 1,420 164,000 114,800 1,606 1,736 199,000 139,300 1,899 2,051130,000 91,000 1,322 1,429 165,000 115,500 1,615 1,745 200,000 140,000 1,907 2,061131,000 91,700 1,331 1,438 166,000 116,200 1,623 1,754 2<strong>01</strong>,000 140,700 1,916 2,07<strong>01</strong>32,000 92,400 1,339 1,447 167,000 116,900 1,631 1,763 202,000 141,400 1,924 2,079133,000 93,100 1,348 1,456 168,000 117,600 1,640 1,772 203,000 142,100 1,932 2,088134,000 93,800 1,356 1,465 169,000 118,300 1,648 1,781 204,000 142,800 1,941 2,097135,000 94,500 1,364 1,474 170,000 119,000 1,657 1,790 205,000 143,500 1,949 2,106136,000 95,200 1,373 1,483 171,000 119,700 1,665 1,799 206,000 144,200 1,957 2,115137,000 95,900 1,381 1,492 172,000 120,400 1,673 1,808 207,000 144,900 1,966 2,124138,000 96,600 1,389 1,5<strong>01</strong> 173,000 121,100 1,682 1,817 208,000 145,600 1,974 2,133139,000 97,300 1,398 1,510 174,000 121,800 1,690 1,826 209,000 146,300 1,982 2,142140,000 98,000 1,406 1,519 175,000 122,500 1,698 1,835 210,000 147,000 1,991 2,151141,000 98,700 1,414 1,528 176,000 123,200 1,707 1,844 211,000 147,700 1,999 2,16<strong>01</strong>42,000 99,400 1,423 1,537 177,000 123,900 1,715 1,853 212,000 148,400 2,007 2,169143,000 100,100 1,431 1,546 178,000 124,600 1,723 1,862 213,000 149,100 2,<strong>01</strong>6 2,178144,000 100,800 1,439 1,555 179,000 125,300 1,732 1,871 214,000 149,800 2,024 2,187145,000 1<strong>01</strong>,500 1,448 1,564 180,000 126,000 1,740 1,880 215,000 150,500 2,032 2,196146,000 102,200 1,456 1,573 181,000 126,700 1,748 1,889 216,000 151,200 2,041 2,205147,000 102,900 1,464 1,582 182,000 127,400 1,757 1,898 217,000 151,900 2,049 2,214148,000 103,600 1,473 1,591 183,000 128,100 1,765 1,907 218,000 152,600 2,058 2,223149,000 104,300 1,481 1,600 184,000 128,800 1,773 1,916 219,000 153,300 2,066 2,232150,000 105,000 1,489 1,609 185,000 129,500 1,782 1,925 220,000 154,000 2,074 2,241151,000 105,700 1,498 1,618 186,000 130,200 1,790 1,934 221,000 154,700 2,082 2,25<strong>01</strong>52,000 106,400 1,506 1,627 187,000 130,900 1,798 1,943 222,000 155,400 2,091 2,259153,000 107,100 1,515 1,636 188,000 131,600 1,807 1,952 223,000 156,100 2,099 2,268154,000 107,800 1,523 1,645 189,000 132,300 1,815 1,961 224,000 156,800 2,108 2,277<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-14 Effective 1-1-2<strong>01</strong>3
UNPROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 3225,000 157,500 2,116 2,286 260,000 182,000 2,408 2,602 295,000 206,500 2,7<strong>01</strong> 2,918226,000 158,200 2,124 2,295 261,000 182,700 2,417 2,611 296,000 207,200 2,709 2,927227,000 158,900 2,133 2,304 262,000 183,400 2,425 2,620 297,000 207,900 2,717 2,936228,000 159,600 2,141 2,313 263,000 184,100 2,433 2,629 298,000 208,600 2,726 2,945229,000 160,300 2,149 2,322 264,000 184,800 2,442 2,638 299,000 209,300 2,734 2,954230,000 161,000 2,158 2,331 265,000 185,500 2,450 2,647 300,000 210,000 2,742 2,963231,000 161,700 2,166 2,340 266,000 186,200 2,458 2,656 3<strong>01</strong>,000 210,700 2,751 2,972232,000 162,400 2,174 2,349 267,000 186,900 2,467 2,665 302,000 211,400 2,759 2,981233,000 163,100 2,183 2,358 268,000 187,600 2,475 2,674 303,000 212,100 2,767 2,990234,000 163,800 2,191 2,367 269,000 188,300 2,483 2,683 304,000 212,800 2,776 2,999235,000 164,500 2,199 2,376 270,000 189,000 2,492 2,692 305,000 213,500 2,784 3,008236,000 165,200 2,208 2,385 271,000 189,700 2,500 2,7<strong>01</strong> 306,000 214,200 2,792 3,<strong>01</strong>7237,000 165,900 2,216 2,394 272,000 190,400 2,508 2,710 307,000 214,900 2,8<strong>01</strong> 3,026238,000 166,600 2,225 2,403 273,000 191,100 2,517 2,719 308,000 215,600 2,809 3,035239,000 167,300 2,233 2,412 274,000 191,800 2,525 2,728 309,000 216,300 2,817 3,044240,000 168,000 2,241 2,421 275,000 192,500 2,534 2,737 310,000 217,000 2,826 3,053241,000 168,700 2,250 2,430 276,000 193,200 2,542 2,746 311,000 217,700 2,834 3,062242,000 169,400 2,258 2,440 277,000 193,900 2,550 2,755 312,000 218,400 2,843 3,071243,000 170,100 2,266 2,449 278,000 194,600 2,559 2,764 313,000 219,100 2,851 3,080244,000 170,800 2,275 2,457 279,000 195,300 2,567 2,773 314,000 219,800 2,859 3,089245,000 171,500 2,283 2,467 280,000 196,000 2,575 2,782 315,000 220,500 2,868 3,098246,000 172,200 2,291 2,476 281,000 196,700 2,584 2,791 316,000 221,200 2,876 3,107247,000 172,900 2,300 2,485 282,000 197,400 2,592 2,800 317,000 221,900 2,884 3,116248,000 173,600 2,308 2,494 283,000 198,100 2,600 2,809 318,000 222,600 2,893 3,125249,000 174,300 2,316 2,503 284,000 198,800 2,609 2,818 319,000 223,300 2,9<strong>01</strong> 3,134250,000 175,000 2,325 2,512 285,000 199,500 2,617 2,827 320,000 224,000 2,909 3,143251,000 175,700 2,333 2,521 286,000 200,200 2,625 2,837 321,000 224,700 2,918 3,152252,000 176,400 2,341 2,530 287,000 200,900 2,634 2,846 322,000 225,400 2,926 3,161253,000 177,100 2,350 2,539 288,000 2<strong>01</strong>,600 2,642 2,855 323,000 226,100 2,934 3,170254,000 177,800 2,358 2,548 289,000 202,300 2,650 2,864 324,000 226,800 2,943 3,179255,000 178,500 2,367 2,557 290,000 203,000 2,659 2,873 325,000 227,500 2,951 3,188256,000 179,200 2,375 2,566 291,000 203,700 2,667 2,882 326,000 228,200 2,959 3,197257,000 179,900 2,383 2,575 292,000 204,400 2,676 2,891 327,000 228,900 2,968 3,206258,000 180,600 2,392 2,584 293,000 205,100 2,684 2,900 328,000 229,600 2,976 3,216259,000 181,300 2,400 2,593 294,000 205,800 2,692 2,909 329,000 230,300 2,985 3,225<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-15 Effective 1-1-2<strong>01</strong>3
UNPROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 3330,000 231,000 2,993 3,234 365,000 255,500 3,285 3,549 400,000 280,000 3,578 3,865331,000 231,700 3,0<strong>01</strong> 3,243 366,000 256,200 3,294 3,558 4<strong>01</strong>,000 280,700 3,586 3,874332,000 232,400 3,<strong>01</strong>0 3,252 367,000 256,900 3,302 3,567 402,000 281,400 3,594 3,883333,000 233,100 3,<strong>01</strong>8 3,261 368,000 257,600 3,310 3,576 403,000 282,100 3,603 3,892334,000 233,800 3,026 3,270 369,000 258,300 3,319 3,586 404,000 282,800 3,611 3,9<strong>01</strong>335,000 234,500 3,035 3,279 370,000 259,000 3,327 3,595 405,000 283,500 3,619 3,910336,000 235,200 3,043 3,288 371,000 259,700 3,335 3,604 406,000 284,200 3,628 3,920337,000 235,900 3,051 3,297 372,000 260,400 3,344 3,613 407,000 284,900 3,636 3,929338,000 236,600 3,060 3,306 373,000 261,100 3,352 3,622 408,000 285,600 3,644 3,937339,000 237,300 3,068 3,315 374,000 261,800 3,360 3,631 409,000 286,300 3,653 3,946340,000 238,000 3,076 3,324 375,000 262,500 3,369 3,640 410,000 287,000 3,661 3,956341,000 238,700 3,085 3,333 376,000 263,200 3,377 3,649 411,000 287,700 3,669 3,965342,000 239,400 3,093 3,342 377,000 263,900 3,386 3,658 412,000 288,400 3,678 3,974343,000 240,100 3,102 3,351 378,000 264,600 3,394 3,667 413,000 289,100 3,686 3,983344,000 240,800 3,110 3,360 379,000 265,300 3,402 3,676 414,000 289,800 3,695 3,992345,000 241,500 3,118 3,369 380,000 266,000 3,411 3,685 415,000 290,500 3,703 4,0<strong>01</strong>346,000 242,200 3,127 3,378 381,000 266,700 3,419 3,694 416,000 291,200 3,711 4,<strong>01</strong>0347,000 242,900 3,135 3,387 382,000 267,400 3,427 3,703 417,000 291,900 3,720 4,<strong>01</strong>9348,000 243,600 3,143 3,396 383,000 268,100 3,436 3,712 418,000 292,600 3,728 4,028349,000 244,300 3,152 3,405 384,000 268,800 3,444 3,721 419,000 293,300 3,736 4,037350,000 245,000 3,160 3,414 385,000 269,500 3,452 3,730 420,000 294,000 3,745 4,046351,000 245,700 3,168 3,423 386,000 270,200 3,461 3,739 421,000 294,700 3,753 4,055352,000 246,400 3,177 3,432 387,000 270,900 3,469 3,748 422,000 295,400 3,761 4,064353,000 247,100 3,185 3,441 388,000 271,600 3,477 3,757 423,000 296,100 3,770 4,073354,000 247,800 3,193 3,450 389,000 272,300 3,486 3,766 424,000 296,800 3,778 4,082355,000 248,500 3,202 3,459 390,000 273,000 3,494 3,775 425,000 297,500 3,786 4,091356,000 249,200 3,210 3,468 391,000 273,700 3,502 3,784 426,000 298,200 3,795 4,100357,000 249,900 3,218 3,477 392,000 274,400 3,511 3,793 427,000 298,900 3,803 4,109358,000 250,600 3,227 3,486 393,000 275,100 3,519 3,802 428,000 299,600 3,811 4,118359,000 251,300 3,235 3,495 394,000 275,800 3,527 3,811 429,000 300,300 3,820 4,127360,000 252,000 3,244 3,504 395,000 276,500 3,536 3,820 430,000 3<strong>01</strong>,000 3,828 4,136361,000 252,700 3,252 3,513 396,000 277,200 3,544 3,829 431,000 3<strong>01</strong>,700 3,837 4,145362,000 253,400 3,260 3,522 397,000 277,900 3,553 3,838 432,000 302,400 3,845 4,154363,000 254,100 3,269 3,531 398,000 278,600 3,561 3,847 433,000 303,100 3,853 4,163364,000 254,800 3,277 3,540 399,000 279,300 3,569 3,856 434,000 303,800 3,862 4,172<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-16 Effective 1-1-2<strong>01</strong>3
UNPROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 3435,000 304,500 3,870 4,181 470,000 329,000 4,162 4,497 505,000 353,500 4,455 4,813436,000 305,200 3,878 4,190 471,000 329,700 4,171 4,506 506,000 354,200 4,463 4,822437,000 305,900 3,887 4,199 472,000 330,400 4,179 4,515 507,000 354,900 4,471 4,831438,000 306,600 3,895 4,208 473,000 331,100 4,187 4,524 508,000 355,600 4,480 4,840439,000 307,300 3,903 4,217 474,000 331,800 4,196 4,533 509,000 356,300 4,488 4,849440,000 308,000 3,912 4,226 475,000 332,500 4,204 4,542 510,000 357,000 4,496 4,858441,000 308,700 3,920 4,235 476,000 333,200 4,212 4,551 511,000 357,700 4,505 4,867442,000 309,400 3,928 4,244 477,000 333,900 4,221 4,560 512,000 358,400 4,513 4,876443,000 310,100 3,937 4,253 478,000 334,600 4,229 4,569 513,000 359,100 4,521 4,885444,000 310,800 3,945 4,262 479,000 335,300 4,237 4,578 514,000 359,800 4,530 4,894445,000 311,500 3,954 4,271 480,000 336,000 4,246 4,587 515,000 360,500 4,538 4,903446,000 312,200 3,962 4,280 481,000 336,700 4,254 4,596 516,000 361,200 4,547 4,912447,000 312,900 3,970 4,289 482,000 337,400 4,263 4,605 517,000 361,900 4,555 4,921448,000 313,600 3,979 4,299 483,000 338,100 4,271 4,614 518,000 362,600 4,563 4,930449,000 314,300 3,987 4,308 484,000 338,800 4,279 4,623 519,000 363,300 4,572 4,939450,000 315,000 3,995 4,317 485,000 339,500 4,288 4,632 520,000 364,000 4,580 4,948451,000 315,700 4,004 4,326 486,000 340,200 4,296 4,641 521,000 364,700 4,588 4,957452,000 316,400 4,<strong>01</strong>2 4,335 487,000 340,900 4,304 4,650 522,000 365,400 4,597 4,966453,000 317,100 4,020 4,344 488,000 341,600 4,313 4,659 523,000 366,100 4,605 4,975454,000 317,800 4,029 4,353 489,000 342,300 4,321 4,669 524,000 366,800 4,613 4,984455,000 318,500 4,037 4,362 490,000 343,000 4,329 4,678 525,000 367,500 4,622 4,993456,000 319,200 4,045 4,371 491,000 343,700 4,338 4,687 526,000 368,200 4,630 5,002457,000 319,900 4,054 4,380 492,000 344,400 4,346 4,696 527,000 368,900 4,638 5,<strong>01</strong>1458,000 320,600 4,062 4,389 493,000 345,100 4,354 4,705 528,000 369,600 4,647 5,020459,000 321,300 4,070 4,398 494,000 345,800 4,363 4,714 529,000 370,300 4,655 5,029460,000 322,000 4,079 4,407 495,000 346,500 4,371 4,723 530,000 371,000 4,664 5,039461,000 322,700 4,087 4,416 496,000 347,200 4,379 4,732 531,000 371,700 4,672 5,048462,000 323,400 4,096 4,425 497,000 347,900 4,388 4,741 532,000 372,400 4,680 5,057463,000 324,100 4,104 4,434 498,000 348,600 4,396 4,750 533,000 373,100 4,689 5,066464,000 324,800 4,112 4,443 499,000 349,300 4,405 4,759 534,000 373,800 4,697 5,075465,000 325,500 4,121 4,452 500,000 350,000 4,413 4,768 535,000 374,500 4,705 5,084466,000 326,200 4,129 4,461 5<strong>01</strong>,000 350,700 4,421 4,777 536,000 375,200 4,714 5,093467,000 326,900 4,137 4,470 502,000 351,400 4,430 4,786 537,000 375,900 4,722 5,102468,000 327,600 4,146 4,479 503,000 352,100 4,438 4,795 538,000 376,600 4,730 5,111469,000 328,300 4,154 4,488 504,000 352,800 4,446 4,804 539,000 377,300 4,739 5,120<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-17 Effective 1-1-2<strong>01</strong>3
UNPROTECTEDTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 Deductible ($1,000 Wind/Hail Deductible)Basic Policy PremiumsCov A Cov C Annual Premiums Cov A Cov C Annual Premiums Cov A Cov C Annual PremiumsAmount Amount Form 2 Form 3 Amount Amount Form 2 Form 3 Amount Amount Form 2 Form 3540,000 378,000 4,747 5,129 565,000 395,500 4,956 5,354 590,000 413,000 5,165 5,580541,000 378,700 4,755 5,138 566,000 396,200 4,964 5,363 591,000 413,700 5,173 5,589542,000 379,400 4,764 5,147 567,000 396,900 4,973 5,372 592,000 414,400 5,181 5,598543,000 380,100 4,772 5,156 568,000 397,600 4,981 5,381 593,000 415,100 5,190 5,607544,000 380,800 4,780 5,165 569,000 398,300 4,989 5,390 594,000 415,800 5,198 5,616545,000 381,500 4,789 5,174 570,000 399,000 4,998 5,399 595,000 416,500 5,206 5,625546,000 382,200 4,797 5,183 571,000 399,700 5,006 5,409 596,000 417,200 5,215 5,634547,000 382,900 4,806 5,192 572,000 400,400 5,<strong>01</strong>4 5,418 597,000 417,900 5,223 5,643548,000 383,600 4,814 5,2<strong>01</strong> 573,000 4<strong>01</strong>,100 5,023 5,427 598,000 418,600 5,231 5,652549,000 384,300 4,822 5,210 574,000 4<strong>01</strong>,800 5,031 5,436 599,000 419,300 5,240 5,661550,000 385,000 4,831 5,219 575,000 402,500 5,039 5,445 600,000 420,000 5,248 5,670551,000 385,700 4,839 5,228 576,000 403,200 5,048 5,454552,000 386,400 4,847 5,237 577,000 403,900 5,056 5,463Refer to company for higher553,000 387,100 4,856 5,246 578,000 404,600 5,064 5,472policy limits554,000 387,800 4,864 5,255 579,000 405,300 5,073 5,481555,000 388,500 4,872 5,264 580,000 406,000 5,081 5,490556,000 389,200 4,881 5,273 581,000 406,700 5,089 5,499557,000 389,900 4,889 5,282 582,000 407,400 5,098 5,508558,000 390,600 4,897 5,291 583,000 408,100 5,106 5,517559,000 391,300 4,906 5,300 584,000 408,800 5,115 5,526560,000 392,000 4,914 5,309 585,000 409,500 5,123 5,535561,000 392,700 4,922 5,318 586,000 410,200 5,131 5,544562,000 393,400 4,931 5,327 587,000 410,900 5,140 5,553563,000 394,100 4,939 5,336 588,000 411,600 5,148 5,562564,000 394,800 4,947 5,345 589,000 412,300 5,156 5,571<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-18 Effective 1-1-2<strong>01</strong>3
FORM 4 - TENANTSTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 DeductibleBasic Policy PremiumsCov C Fully Partially Un- Cov C Fully Partially Un- Cov C Fully Partially Un-Amount Protected Protected Protected Amount Protected Protected Protected Amount Protected Protected Protected10,000 60 69 81 45,000 176 203 238 80,000 274 315 36911,000 63 72 85 46,000 180 207 243 81,000 276 318 37312,000 66 76 89 47,000 183 211 247 82,000 279 321 37713,000 69 80 94 48,000 186 214 252 83,000 282 324 38<strong>01</strong>4,000 73 84 98 49,000 190 218 256 84,000 285 327 38415,000 76 87 103 50,000 193 222 261 85,000 287 330 38816,000 79 91 107 51,000 196 225 265 86,000 290 334 39217,000 83 95 111 52,000 199 229 268 87,000 293 337 39518,000 86 99 116 53,000 2<strong>01</strong> 232 272 88,000 295 340 39919,000 89 102 120 54,000 204 235 276 89,000 298 343 40320,000 92 106 125 55,000 207 238 279 90,000 3<strong>01</strong> 346 40621,000 96 110 129 56,000 210 241 283 91,000 304 349 41022,000 99 114 134 57,000 212 244 287 92,000 306 352 41423,000 102 118 138 58,000 215 247 290 93,000 309 355 41724,000 105 121 142 59,000 218 251 294 94,000 312 359 42125,000 109 125 147 60,000 221 254 298 95,000 315 362 42526,000 112 129 151 61,000 223 257 3<strong>01</strong> 96,000 317 365 42827,000 115 133 156 62,000 226 260 305 97,000 320 368 43228,000 118 136 160 63,000 229 263 309 98,000 323 371 43629,000 122 140 164 64,000 231 266 312 99,000 325 374 43930,000 125 144 169 65,000 234 269 316 100,000 328 377 44331,000 128 148 173 66,000 237 272 31932,000 132 152 178 67,000 239 275 32333,000 135 156 183 68,000 242 278 32634,000 139 160 187 69,000 244 281 33035,000 142 163 192 70,000 247 284 33436,000 146 167 196 71,000 250 287 33737,000 149 171 2<strong>01</strong> 72,000 252 290 34138,000 152 175 206 73,000 255 293 34439,000 156 179 210 74,000 258 296 34840,000 159 183 215 75,000 260 299 35241,000 163 187 220 76,000 263 302 35542,000 166 191 224 77,000 266 306 35943,000 169 195 229 78,000 268 309 36244,000 173 199 233 79,000 271 312 366Refer to company for higherpolicy limits<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-19 Effective 1-1-2<strong>01</strong>3
FORM 6 - UNIT OWNERSTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 DeductibleBasic Policy PremiumsCov C Fully Partially Un- Cov C Fully Partially Un- Cov C Fully Partially Un-Amount Protected Protected Protected Amount Protected Protected Protected Amount Protected Protected Protected20,000 71 82 96 55,000 159 183 215 90,000 231 266 31221,000 73 84 99 56,000 161 185 217 91,000 233 268 31522,000 76 87 103 57,000 163 188 220 92,000 235 271 31823,000 78 90 106 58,000 165 190 223 93,000 237 273 32024,000 81 93 109 59,000 167 192 226 94,000 239 275 32325,000 83 96 113 60,000 169 195 229 95,000 242 278 32626,000 86 99 116 61,000 171 197 231 96,000 244 280 32927,000 88 102 119 62,000 174 200 234 97,000 246 283 33228,000 91 105 123 63,000 176 202 237 98,000 248 285 33529,000 93 108 126 64,000 178 204 240 99,000 250 287 33730,000 96 110 130 65,000 180 207 242 100,000 252 290 34031,000 99 113 133 66,000 182 209 245 1<strong>01</strong>,000 254 292 34332,000 1<strong>01</strong> 116 137 67,000 184 211 248 102,000 256 295 34633,000 104 119 140 68,000 186 214 251 103,000 258 297 34934,000 107 122 144 69,000 188 216 253 104,000 261 300 35235,000 109 126 147 70,000 190 218 256 105,000 263 302 35536,000 112 129 151 71,000 192 221 259 106,000 265 304 35737,000 114 132 154 72,000 194 223 262 107,000 267 307 36038,000 117 135 158 73,000 196 225 264 108,000 269 309 36339,000 120 138 162 74,000 198 228 267 109,000 271 312 36640,000 122 141 165 75,000 200 230 270 110,000 273 314 36941,000 125 144 169 76,000 202 232 273 111,000 275 317 37242,000 128 147 172 77,000 204 235 275 112,000 277 319 37443,000 130 150 176 78,000 206 237 278 113,000 279 321 37744,000 133 153 179 79,000 208 239 281 114,000 281 323 38045,000 135 156 183 80,000 210 242 284 115,000 283 326 38246,000 138 159 186 81,000 212 244 287 116,000 285 328 38547,000 141 162 190 82,000 214 246 289 117,000 287 330 38848,000 143 165 193 83,000 216 249 292 118,000 289 333 39049,000 146 168 197 84,000 219 251 295 119,000 291 335 39350,000 148 171 200 85,000 221 254 298 120,000 293 337 39651,000 151 173 203 86,000 223 256 3<strong>01</strong> 121,000 295 339 39852,000 153 176 206 87,000 225 259 304 122,000 297 342 4<strong>01</strong>53,000 155 178 209 88,000 227 261 306 123,000 299 344 40454,000 157 180 212 89,000 229 263 309 124,000 3<strong>01</strong> 346 406<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-20 Effective 1-1-2<strong>01</strong>3
FORM 6 - UNIT OWNERSTerritory 406IOWAHOMEOWNERSt<strong>and</strong>ard Program$500 DeductibleBasic Policy PremiumsCov C Fully Partially Un- Cov C Fully Partially Un- Cov C Fully Partially Un-Amount Protected Protected Protected Amount Protected Protected Protected Amount Protected Protected Protected125,000 303 348 409 155,000 362 416 489 185,000 422 486 57<strong>01</strong>26,000 305 351 412 156,000 364 419 491 186,000 424 488 573127,000 307 353 414 157,000 366 421 494 187,000 426 490 575128,000 309 355 417 158,000 368 423 497 188,000 428 493 578129,000 311 358 420 159,000 370 426 500 189,000 430 495 581130,000 313 360 422 160,000 372 428 502 190,000 432 497 584131,000 315 362 425 161,000 374 430 505 191,000 434 499 586132,000 317 364 428 162,000 376 432 508 192,000 436 502 589133,000 319 367 430 163,000 378 435 510 193,000 438 504 592134,000 321 369 433 164,000 380 437 513 194,000 440 506 594135,000 323 371 436 165,000 382 439 516 195,000 442 509 597136,000 325 373 438 166,000 384 442 518 196,000 444 511 60<strong>01</strong>37,000 327 376 441 167,000 386 444 521 197,000 446 513 603138,000 329 378 443 168,000 388 446 524 198,000 448 516 605139,000 330 380 446 169,000 390 449 527 199,000 450 518 608140,000 332 382 449 170,000 392 451 529 200,000 452 520 611141,000 334 385 451 171,000 394 453 532142,000 336 387 454 172,000 396 456 535143,000 338 389 457 173,000 398 458 537144,000 340 391 459 174,000 400 460 54<strong>01</strong>45,000 342 393 462 175,000 402 462 543146,000 344 396 465 176,000 404 465 546147,000 346 398 467 177,000 406 467 548148,000 348 400 470 178,000 408 469 551149,000 350 402 472 179,000 410 472 554150,000 352 405 475 180,000 412 474 556151,000 354 407 478 181,000 414 476 559152,000 356 409 481 182,000 416 479 562153,000 358 412 483 183,000 418 481 565154,000 360 414 486 184,000 420 483 567Refer to company for higherpolicy limits<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> Company <strong>IA</strong>-HO-S-R-21 Effective 1-1-2<strong>01</strong>3
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPERSONAL UMBRELLA PROGRAMRule 1 – Eligibility1.1 Eligibility RequirementsAn umbrella liability policy can be issued to a person who has secured <strong>and</strong> intends tomaintain the necessary types <strong>and</strong> limits of underlying insurance. The Personal UmbrellaLiability Coverage is designed to be written in conjunction with underlying personal liabilityinsurance provided by <strong>Western</strong> <strong>National</strong>. The underlying automobile exposures must alsobe written through <strong>Western</strong> <strong>National</strong>. At the company's discretion, underlying insurance forwatercraft, recreational vehicles or other personal exposures may be provided by acomparable form subject to underwriting approval.Use form UM 00<strong>01</strong> to provide Personal Umbrella Liability Coverage.1.2 Submit to CompanyThe personal umbrella policy includes coverage for specific business exposures commonlycovered without endorsement under a homeowners or personal auto policy. Coverage can beextended to liability arising out of incidental farming exposures <strong>and</strong> other business activitiescovered by endorsement under an underlying policy. (Refer to Company.)Rule 2 – Program DescriptionThe following is a general description of the coverages provided by the personal umbrella form.The policy form states the complete terms <strong>and</strong> conditions.2.1 Personal Umbrella CoverageForm UM 00<strong>01</strong> covers the insured's liability for damages due to bodily injury, propertydamage, <strong>and</strong> personal injury that arise out of the insured premises <strong>and</strong> the personalactivities of the insured, subject to the exclusions found in form UM 00<strong>01</strong>. The UM 00<strong>01</strong>coverage for liability for personal injury applies whether or not the underlying insurance hasbeen extended to include coverage for personal injury.Form UM 00<strong>01</strong> also covers the insured's liability for bodily injury <strong>and</strong> property damagecaused by a watercraft or a motor vehicle which is covered by underlying insurance, butonly to the extent that such bodily injury or property damage is not excluded by theunderlying insurance <strong>and</strong> is not otherwise excluded by form UM 00<strong>01</strong>. Unless specificallyamended by endorsement, personal umbrella coverage does not include nor is it limited toautomobile no-fault, uninsured motorist, underinsured motorist, medical payments, punitivedamage, or similar coverage.4-1-2<strong>01</strong>0 Rules - 1 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPERSONAL UMBRELLA PROGRAM2.2 Policy LimitsThe basic Each Occurrence Limit for Personal Umbrella Liability Coverage, form UM 00<strong>01</strong>,is $1,000,000.Authority of Agent to Bind – An Agent’s binding authority for this coverage is limited to thebasic Each Occurrence Limit of $1,000,000. Higher Each Occurrence Limits may beavailable. (Refer to Company.)The Each Occurrence Limit will be displayed on the declarations.2.3 Underlying <strong>Insurance</strong> – Minimum LimitsIn most cases, the coverage provided under form UM 00<strong>01</strong> applies in excess of the limitsthat apply to the underlying insurance. The minimum limits for underlying insurance arespecified below:• Comprehensive Personal Auto – $250,000 Bodily Injury Per Person Limit, $500,000Bodily Injury Per Occurrence Limit, <strong>and</strong> $100,000 Property Damage Per OccurrenceLimit• Other Licensed Motor Vehicle – $250,000 Bodily Injury Per Person Limit, $500,000Bodily Injury Per Occurrence Limit, <strong>and</strong> $100,000 Property Damage Per OccurrenceLimit• Comprehensive Personal Liability – 300,000 Per Occurrence Limit• Unlicensed Recreational Vehicles – $300,000 Personal Liability Per Occurrence Limit or$250,000 Bodily Injury Per Person Limit, $500,000 Bodily Injury Per Occurrence Limit,<strong>and</strong> $100,000 Property Damage Per Occurrence Limit• Watercraft – $300,000 Personal Liability Per Occurrence LimitThe underlying insurance limits will be shown on the declarations.2.4 Retained LimitWhen personal umbrella liability coverage applies to an occurrence that is not covered bythe terms of underlying insurance, form UM 00<strong>01</strong> applies in excess of a $1,000 RetainedLimit.The Retained Limit will be shown on the declarations.2.5 Basic Policy PremiumPersonal umbrella liability coverage is subject to the basic policy premium shown in the ratepages of this manual.4-1-2<strong>01</strong>0 Rules - 2 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPERSONAL UMBRELLA PROGRAMRule 3 – Policywriting Instructions3.1 Policy FormatThe personal umbrella liability policy consists of form UM 00<strong>01</strong>, Personal Umbrella LiabilityCoverage.Refer to the forms <strong>and</strong> endorsements listing to determine if any m<strong>and</strong>atory endorsementsapply.Information called for as entries on endorsements can be shown on the declarations or asupplemental schedule instead.3.2 Policy TermPersonal umbrella policies will be written for a term of one year.A policy may be written for a term of less than one year in order to maintain commonanniversary dates with other policies. Prorate the annual premium.3.3 Cancellation or Reductions in Limits or CoveragesIf the policy is canceled or the limits are reduced, the amount of any return premium due iscalculated on a pro rata basis.3.4 Business EndorsementsThe personal umbrella policy includes coverage for specific exposures commonly coveredwithout endorsement under a homeowners or personal auto policy. For an additional premiumcharge, coverage can be exp<strong>and</strong>ed as described below.“Business” means a trade, a profession, or an occupation, including farming, all whether fullor part time. This includes the rental of property to others.3.4.1 Specified Business Activities (other than farm activities)Coverage can be extended to liability arising out of specified business activitiescovered by endorsement under an underlying policy.Use the rating information shown in this manual.Attach endorsement UM <strong>01</strong>30 <strong>and</strong> describe the covered business <strong>and</strong> location.3.4.2 Specified Farm Activities – Refer to CompanyThe personal umbrella policy can be extended to cover liability arising out of specifiedfarming activities covered by endorsement under an underlying policy. Review theHomeowner Rules <strong>and</strong> refer all questions to the Company before coverage is bound.Upon underwriting approval, use the rating information shown in this manual.Attach endorsement UM <strong>01</strong>31 <strong>and</strong> describe the covered operations <strong>and</strong> location.4-1-2<strong>01</strong>0 Rules - 3 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPERSONAL UMBRELLA PROGRAM3.5 Endorsements to Restrict Coverage3.5.1 Designated PremisesCoverage can be excluded for liability arising out of the ownership, occupancy,maintenance, or use of specifically described premises.Attach endorsement UM <strong>01</strong>32 <strong>and</strong> describe the excluded premises.3.5.2 Designated Vehicle or WatercraftCoverage can be excluded for liability arising out of a specifically described vehicle orwatercraft.Attach endorsement UM <strong>01</strong>33 <strong>and</strong> describe the excluded vehicle or watercraft.3.5.3 Designated DriverCoverage can be excluded for the liability of a specific driver.Attach endorsement UM <strong>01</strong>34 <strong>and</strong> identify the excluded driver.3.5.4 Punitive DamagesCoverage is excluded for punitive or exemplary damages.Refer to endorsement UM <strong>01</strong>35.3.6 Uninsured/Underinsured Motorists CoverageCoverage can be extended for bodily injury covered by uninsured/underinsured motoristscoverage under an underlying policy. Minimum underlying uninsured/underinsured motoristslimits are $250,000 Bodily Injury Per Person Limit, $500,000 Bodily Injury Per OccurrenceLimit. Coverage amount is limited to $1,000,000, regardless of the limit on the personalumbrella policy.A signed acceptance or rejection of this optional coverage is required.Attach endorsement WN PU 14.4-1-2<strong>01</strong>0 Rules - 4 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPERSONAL UMBRELLA PROGRAMRule 4 – Premium DeterminationUse the rating information shown in this manual to develop the umbrella liability premium, basedon:• Residence Premises – This includes a one- or two-family home, townhouse, or row house,used mainly for family residential purposes, that is not specifically excluded.• Each Motor Vehicle – This includes each private passenger automobile, truck, motorcycle,motor home, <strong>and</strong>/or any other registered motor vehicle that is not specifically excluded. Thisincludes all vehicles owned, leased, or furnished for regular use. Collector autos are notconsidered a private passenger auto <strong>and</strong> will receive a separate charge.The umbrella liability premium must also reflect the additional charges shown in this manual forany of the following exposures that exist.• Each Additional Residence Occupied by Insured• Each Additional Residence Rented or Held for Rental to Others – Charge applies on the basisof each family unit rented or held for rental to others.• Incidental office, professional, private school, or studio occupancy – Charge applies to each suchoccupancy by insured on residential premises of the insured.• Business Activities – Charge applies to each such activity.• Incidental Farming• Farm Personal Liability – Charge applies to each such occupancy or operation. Refer toCompany• Watercraft – Charge applies to each watercraft.• Licensed <strong>and</strong> Unlicensed Recreational Motor Vehicles – Charge applies to each snowmobile,all-terrain vehicle, trail bike, mini bike, or other similar vehicle.• Each Youthful Operator• Additional Liability Exposures (i.e. Swimming pools, etc.)• Uninsured/Underinsured Motorists Coverage – Charge applies to each covered vehicle.Employee DiscountA discount of 15% will be applied to the total policy premium for each policy written in the nameof a person who is:• Employed by <strong>Western</strong> <strong>National</strong> for a period of at least 90 days <strong>and</strong> works 20 hours or morea week;• Formally retired from <strong>Western</strong> <strong>National</strong> in accordance with company retirement eligibilityst<strong>and</strong>ards;• A <strong>Western</strong> <strong>National</strong> board member (immediately at the time of their confirmation); or• A retired <strong>Western</strong> <strong>National</strong> board member with at least 6 years of service.4-1-2<strong>01</strong>0 Rules - 5 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPERSONAL UMBRELLA PROGRAM<strong>Rates</strong>All policies are to be written for one year.Coverage under this program provides for a $1,000,000 limit of liability for each occurrence,subject to a $1,000 retention limit.Basic Policy Premium – $150 (includes one home, up to two motor vehicles <strong>and</strong> Personal Injury).Annual PremiumAutomobile Liability (Minimum $250,000/$500,000/$100,000 BI PD Limits)Initial Motor VehicleIncludedOne additional auto included in basic policy premium(Owned, Leased, or Furnished for Regular Use)Additional Private Passenger Auto $ 45(Owned, Leased, or Furnished for Regular Use)Each Collector Auto 10Each Unlicensed Recreational Vehicle 20No Vehicles – Non-Ownership Charge 18(Refer to Company)Additional Charge – Each Youthful Operator 40Each Licensed Recreational Vehicle 20(Not Including Motor Homes)Uninsured/Underinsured Motorists Coverage per vehicle 75Homeowner Liability (Minimum $300,000 Coverage L Limit)Residence PremisesIncludedEach Additional Residence PremisesOccupied by Insured $ 8Rented/Held for Rental to Others 8(Charge per Family Unit)Additional Liability Exposures 45(i.e. Swimming Pools, etc.)Hot Tubs 20Farm ExposuresIncidental Farming 45Farm Personal LiabilityRefer to Company1,500 acres or less 4<strong>01</strong>,5<strong>01</strong> – 2,000 acres 542,0<strong>01</strong> acres or more acres Refer to Company4-1-2<strong>01</strong>0 Rating Information - 1 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPERSONAL UMBRELLA PROGRAMAnnual PremiumBusiness ExposuresEach Office, Professional, Private $ 8School, or Studio OccupancyBusiness Activities 8(Salesperson, Teacher, Clerical)Watercraft LiabilityUnder 26 ft in length, with Outboard motorsNo ChargePowered by Inboard or Inboard/Outboard motors, or 20Sailboats over 26 feet with auxiliary powerSailboats over 26 feet without auxiliary power 14Personal Watercraft 40Powered by engine over 300 h.p., or greater than 26 feet Refer to Companyor jet-powered engineCreditsCredit if less than two private passenger vehicles in household 254-1-2<strong>01</strong>0 Rating Information - 2 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPERSONAL UMBRELLA PROGRAMUmbrella Liability Limit – Increased Limit FactorsLIMITFACTOR$1,000,000 1.0002,000,000 1.7503,000,000 2.3004,000,000 2.7505,000,000 3.150THIS PAGE WILL BE FOR INTERNAL USE ONLY4-1-2<strong>01</strong>0 Rating Information - 3 General RulesIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyPERSONAL UMBRELLA PROGRAMForms <strong>and</strong> EndorsementsFormUM 00<strong>01</strong>NamePersonal Umbrella Liability CoverageM<strong>and</strong>atory EndorsementsUM <strong>01</strong>35Exclusion – Punitive DamagesUM 0722Amendatory Endorsement – MinnesotaUM 0748Amendatory Endorsement – WisconsinUM 0740Amendatory Endorsement – South DakotaUM 08<strong>01</strong>Social Host Liquor Liability Exclusion – MinnesotaUM 49<strong>01</strong>Wet Rot, Dry Rot, Bacteria, Fungi, Or Protists ExclusionWN IL 43Joint <strong>and</strong> Individual InterestsWN PU 07Automatic Termination ProvisionOther EndorsementsUM <strong>01</strong>30Specified Business ActivitiesUM <strong>01</strong>31Specified Farm ActivitiesUM <strong>01</strong>32Exclusion – Designated PremisesUM <strong>01</strong>33Exclusion – Designated Vehicles or WatercraftUM <strong>01</strong>34Exclusion – Designated Driver (not applicable in Wisconsin)UM <strong>01</strong>48Underinsured Motorists Coverage (Wisconsin)UM <strong>01</strong>53Uninsured Motorists Coverage (Wisconsin)WN PU 14Uninsured/Underinsured Motorists Coverage (Minnesota & South Dakota)11-1-2009 PU-F-1 Forms <strong>and</strong> Endorsements
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyFORMS AND ENDORSEMENTSIOWA DWELLING PROPERTY PROGRAMFormDP 00 <strong>01</strong>DP 00 02DP 00 03NameDwelling Property 1 – Basic FormDwelling Property 2 – Broad FormDwelling Property 3 – Special FormM<strong>and</strong>atory EndorsementsDP 05 37 Cap On Losses From Certified Acts Of TerrorismWN DP 07 Notice Of Terrorism <strong>Insurance</strong> CoverageWN DP 08 Fungi, Wet Rot, Dry Rot, Or Bacteria ExclusionWN DP 14 Earth Movement And Water Damage ExclusionWN DP 21 Special Provisions – IowaWN IL 13 Mutual Policy ConditionsWN IL 43 Joint <strong>and</strong> Individual InterestsWN IL 45 Iowa Disclosure Notice – Actual Cash Value Loss SettlementOther EndorsementsDP 03 12DP 04 11DP 04 14DP 04 17DP 04 18DP 04 19DP 04 20DP 04 30DP 04 31DP 04 41DP 04 63DP 04 65DP 04 68DP 04 69DP 04 70DP 04 71DP 04 72DP 04 73DP 04 74DP 04 75DP 04 76DP 04 99Windstorm Or Hail Percentage DeductibleAutomatic Increase In <strong>Insurance</strong>Additional Living Expense – Form DP 00 <strong>01</strong> onlyTrees, Shrubs And Other Plants – Form DP 00 <strong>01</strong> onlyWindstorm Or Hail – Broad Form And Special FormWindstorm Or Hail – Radio And Television Antenna, Awnings And SignsPermitted Incidental OccupanciesPremium Sharing Two Or More PoliciesImprovements, Alterations And AdditionsAdditional Insured – Described LocationsLoss Assessment Property CoverageSpecial Coverage (Improvements, Alterations And Additions, or Unit-Owners)Loss Assessment Coverage For EarthquakeEarthquake CoveragePremises Alarm Or Fire Protection SystemOrdinance Or Law – Increased Amount Of Coverage – Forms DP 00 02 <strong>and</strong> DP 00 03 onlyBroad Theft CoverageLimited Theft CoverageOrdinance Or Law – Form DP 00 <strong>01</strong> onlyActual Cash Value Loss Settlement Windstorm Or Hail Losses To Roof Surfacing(DP 00 <strong>01</strong> when DP 00 08 is attached, DP 00 02 <strong>and</strong> DP 00 03)Actual Cash Value Loss SettlementSinkhole Collapse1-1-2<strong>01</strong>1 <strong>IA</strong>-DP-F-1 Forms & EndorsementsIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyFORMS AND ENDORSEMENTSIOWA DWELLING PROPERTY PROGRAMOther Endorsements (cont’d)FormDP 11 43DP 12 10DP 12 76DP 17 66WN DP 04WN DP 19WN IL 02NameDwelling Under ConstructionChange EndorsementDwelling – Rating InformationUnit-Owners CoverageTheft Endorsement (New Dwellings Under Construction)Water Back-Up And Sump OverflowEndorsement1-1-2<strong>01</strong>1 <strong>IA</strong>-DP-F-2 Forms & EndorsementsIncludes copyrighted material with permission of American Association of <strong>Insurance</strong> Services
WESTERN NATIONAL MUTUAL INSURANCEDWELLING PROPERTY PROGRAMEXCEPTION PAGESLoss Cost Multipliers<strong>Western</strong> <strong>National</strong> Dwelling Property rates may be calculatedby multiplying the ISO loss costs by the followingfactors:A. Iowa 1.38B. Minnesota 1.88C. South Dakota 2.08D. Wisconsin 2.18Special State RequirementsThis rule is supplemented with the following:WN DP 08 - Fungi, Wet or Dry Rot, or Bacteria Exclusion.Use this endorsement with all Dwelling policies forIowa, Minnesota <strong>and</strong> South Dakota.Rule 206.Minimum PremiumThis rule is supplemented with the following:A. Policy Minimum Premium - $50.00Rule 208.Waiver Of PremiumThis rule is supplemented with the following:Waiver of additional or return premium is not applicable.An additional Rule, 403. has been added to the exceptionpages.Rule 403.Dwelling Under ConstructionThis rule is supplemented with the following:C. Theft Coverage EndorsementFor an additional premium, coverage may be extendedto provide coverage for loss caused bytheft, including burglary, or attempted burglary oflumber, building materials, supplies, fixtures <strong>and</strong>equipment which will be or are a permanent partof the insured dwelling while at the described location.Coverage is provided during constructionuntil occupied or until expiration of the policy forup to a six month period.The most we will pay for any one loss is $10,000subject to no less than a $250 deductible. A flatcharge of $100 applies <strong>and</strong> is considered fullyearned.Use Endorsement WN DP 04.WN-DP-E-1 4-1-2<strong>01</strong>0Includes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEDWELLING PROPERTY PROGRAMEXCEPTION PAGESRule 406.DeductiblesThe factors in this rule are replaced with the following:B. Optional Deductibles1. All Perils DeductibleMultiply the BASE PREMIUM for the BaseDeductible by the appropriate factors:Ded. Size Code FireE.C., V.&M.M.,Broad &Special Forms$ 500 50 1.00 1.091,000 82 .98 .912,500 86 .91 .602. Windstorm or Hail DeductiblesThe following deductible options are used inconjunction with a deductible applicable to allother perils covered under E.C., Broad orSpecial Forms:COVERAGES A, B, D or E <strong>and</strong> COVERAGE OP-TIONS FOR BUILDINGS AND NON-BUILDINGSTRUCTURESAllOther Perils Windstorms or Hail Deductible AmountsDed Amt. 1% 2% 5%$ 500 1.05 .97 .851,000 .90 .86 .752,500 .65 .63 .58COVERAGE C <strong>and</strong> OTHER PERSONAL PROPER-TY COVERAGE OPTIONS (only use when policyalso covers building or non-building structures)AllWindstorm or HailOther Perils Ded. Amt. 1%, 2% or 5% Deductible$ 500 1.081,000 .862,500 .59COVERAGES A, B, D or E <strong>and</strong> COVERAGE OP-TIONS FOR BUILDINGS AND NON-BUILDINGSTRUCTURESAll Other Windstorm or HailPerils Deductible AmountsDed. Amt. $1000 $2000 $5000$ 500 1.00 .91 .861,000 - .82 .762,500 - - .59COVERAGE C <strong>and</strong> OTHER PERSONAL PROPER-TY COVERAGE OPTIONS (Only use when policyalso covers building or non-building structures)All Other Windstorm or HailPerils Deductible AmountsDed Amt. $1000, $2000 or $5000$ 500 .981,000 .822,500 .59This rule is supplemented with the following:C. Minimum Base Deductible is $500.00. For E.C.,Broad or Special Forms, a minimum Windstorm orHail Deductible of $1,000 applies. The minimumWindstorm or Hail Deductible requirement doesnot apply to Contents only policies.WN-DP-E-2 4-1-2<strong>01</strong>0Includes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEDWELLING PROPERTY PROGRAMEXCEPTION PAGESThe following rule is added to the Dwelling PolicyProgram exception pages.Employee DiscountRule 514.Woodburning Stove – SurchargeA discount of 10% will be applied to the total policypremium for each policy written in the name of a personwho is:A Woodburning Stove Questionnaire <strong>and</strong> a photo of theunit are required. These must be submitted “unbound”to <strong>Western</strong> <strong>National</strong> for underwriting consideration.The surcharge will apply to a woodburning device usedfor the supplemental heating of an owner occupieddwelling. A fireplace used for occasional heating ofone room or ornamental usage does not apply to thissurcharge.If the woodburning device is acceptable after underwritingconsideration, the premium for the owner occupieddwelling will be increased by a $25 surcharge.NOT ACCEPTABLE$ No woodburning appliance in dwellings rented toothers$ No fireplace inserts$ No more than one heating appliance in the samechimney$ No wood <strong>and</strong> gas multiple venting or wood/gascombination units$ No wood add on units vented into the cold air return$ No waste heat circulators, heat reclaimers, or heatextractors$ No TOTAL wood heat$ No HOMEMADE woodburning stoves$ No multiple venting - two separate appliances intoone chimneyNo woodburning appliance in any garage or garagetypeoutbuildingDO NOT BIND • Employed by <strong>Western</strong> <strong>National</strong> for a period of atleast 90 days <strong>and</strong> works 20 hours or more aREFER TO COMPANY BEFORE COVERAGE ISweek;BOUND • Formally retired from <strong>Western</strong> <strong>National</strong> in accordancewith company retirement eligibilityst<strong>and</strong>ards;• A <strong>Western</strong> <strong>National</strong> board member (immediatelyat the time of their confirmation); or• A retired <strong>Western</strong> <strong>National</strong> board member with atleast 6 years of service.WN-DP-E-3 4-1-2<strong>01</strong>0Includes copyrighted material with the permission of <strong>Insurance</strong> Services Office, Inc.
<strong>Western</strong> <strong>National</strong> Mutual <strong>Insurance</strong> CompanyDWELLING FIRE TERRITORY PAGESIOWACountyTerritoryBenton 38Black Hawk 38Bremer 38Buchanan 38Butler 38Cerro Gordo 38Chickasaw 38Delaware 38Fayette 38Floyd 38Franklin 38Grundy 38Hamilton 38Hancock 38Hardin 38Humboldt 38Johnson 38Kossuth 38Linn 38Webster 38Wright 38Rest of State 374-1-2<strong>01</strong>0 <strong>IA</strong>-DP-T-1 Territory Pages
WESTERN NATIONAL MUTUAL INSURANCEDWELLING PROPERTY RATE PAGES IOWA (14)Owner Occupied - Non-Seasonal3<strong>01</strong>. BASE PREMIUM COMPUTATIONFire – Coverages A <strong>and</strong> C – All FormsProtClass123456788B910ProtClass123456788B910LOSS COSTS – All TerritoriesNo. of FamiliesCONST*MFMFMFMFMFMFMFMFMFMFMFCONST*MFMFMFMFMFMFMFMFMFMFMF1 2CovCovA C A C$ 22.62 $ 2.34 $ 23.75 $ 2.3430.16 3.12 31.67 3.1222.62 2.34 23.75 2.3430.16 3.12 31.67 3.1222.62 2.34 23.75 2.3430.16 3.12 31.67 3.1222.62 2.34 23.75 2.3430.16 3.12 31.67 3.1222.62 2.34 23.75 2.3430.16 3.12 31.67 3.1222.62 2.34 23.75 2.3430.16 3.12 31.67 3.1222.62 2.34 23.75 2.3436.19 3.74 38.00 3.7427.14 2.81 28.50 2.8142.22 4.37 44.33 4.3737.70 3.90 39.59 3.9051.27 5.30 53.83 5.3037.70 3.90 39.59 3.9051.27 5.30 53.83 5.3048.26 4.99 50.67 4.9972.38 7.49 76.00 7.49No. of Families3 or 4 5 or MoreCovCovACC$ 31.67 $ 2.57 $ 3.2942.22 3.43 4.3931.67 2.57 3.2942.22 3.43 4.3931.67 2.57 3.2942.22 3.43 4.3931.67 2.57 3.2942.22 3.43 4.3931.67 2.57 3.2942.22 3.43 4.3931.67 2.57 3.2942.22 3.43 4.3931.67 2.57 3.2950.67 4.11 5.2738.00 3.09 3.9559.11 4.81 6.1552.78 4.29 5.4971.78 5.83 7.4652.78 4.29 5.4971.78 5.83 7.4667.56 5.49 7.021<strong>01</strong>.33 8.24 10.54* M = Masonry, F = Frame. Masonry Veneer is rated as masonry.Aluminum or plastic siding over frame is rated as frame.Territory 38 Rest of StateIowa Deviation Factors 1.66 1.38Limit ofLiab. (000’s)$ 1 234567891<strong>01</strong>11213141516182022242628303234363840424446485055606570758085909510<strong>01</strong>0511<strong>01</strong>1512<strong>01</strong>2513<strong>01</strong>3514<strong>01</strong>45Each Add’l$1000KEY FACTORSLimit ofCov A Liab. (000’s)0.31<strong>01</strong> 0.34620.38230.4190.4550.4910.5280.5640.6000.6370.6730.7090.7460.7820.8180.8550.9271.00<strong>01</strong>.0331.0651.0981.1311.1631.1961.2291.2611.2941.3271.3591.3921.4251.4571.49<strong>01</strong>.57<strong>01</strong>.65<strong>01</strong>.73<strong>01</strong>.81<strong>01</strong>.89<strong>01</strong>.9702.0502.1302.2102.2902.3702.4502.5302.6102.6902.7702.8502.9304567891<strong>01</strong>1121314151617181920212223242526272829303132333435363738394041424344454647484950Cov C0.350.480.610.740.871.0<strong>01</strong>.131.261.391.521.651.781.912.042.172.302.432.562.692.822.953.083.213.343.473.603.733.863.994.124.254.384.514.644.774.905.035.165.295.425.555.685.815.946.076.206.336.466.596.723.<strong>01</strong>00.<strong>01</strong>6 0.13Use this limit of liability to develop premiums for policyamounts less than $1,000406. DEDUCTIBLESEC, V&MMDed Fire Broad & Special$ 1,000 0.98 0.842,500 0.91 0.554-1-2<strong>01</strong>0 <strong>IA</strong>-DP-R-1Includes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEDWELLING PROPERTY RATE PAGES IOWA (14)Non-Owner Occupied - Non-Seasonal3<strong>01</strong>. BASE PREMIUM COMPUTATIONFire – Coverages A <strong>and</strong> C – All FormsProtClass123456788B910ProtClass123456788B910LOSS COSTS – All TerritoriesNo. of FamiliesCONST*MFMFMFMFMFMFMFMFMFMFMFCONST*MFMFMFMFMFMFMFMFMFMFMFA$ 28.2837.7028.2837.7028.2837.7028.2837.7028.2837.7028.2837.7028.2845.2433.9352.7847.1364.0947.1364.0960.3390.481 2CovCovC A C$ 2.34 $ 29.69 $ 2.343.12 39.59 3.122.34 29.69 2.343.12 39.59 3.122.34 29.69 2.343.12 39.59 3.122.34 29.69 2.343.12 39.59 3.122.34 29.69 2.343.12 39.59 3.122.34 29.69 2.343.12 39.59 3.122.34 29.69 2.343.74 47.50 3.742.81 35.63 2.814.37 55.42 4.373.90 49.49 3.905.30 67.29 5.303.90 49.49 3.905.30 67.29 5.304.99 63.35 4.997.49 95.00 7.49No. of Families3 or 4 5 or MoreCovCovA CC$ 39.59 $ 2.57 $ 3.2952.78 3.43 4.3939.59 2.57 3.2952.78 3.43 4.3939.59 2.57 3.2952.78 3.43 4.3939.59 2.57 3.2952.78 3.43 4.3939.59 2.57 3.2952.78 3.43 4.3939.59 2.57 3.2952.78 3.43 4.3939.59 2.57 3.2963.34 4.11 5.2747.50 3.09 3.9573.89 4.81 6.1565.98 4.29 5.4989.73 5.83 7.4665.98 4.29 5.4989.73 5.83 7.4684.46 5.49 7.02126.67 8.24 10.54* M = Masonry, F = Frame. Masonry Veneer is rated as masonry.Aluminum or plastic siding over frame is rated as frame.Territory 38 Rest of StateIowa Deviation Factors 1.66 1.38Limit ofLiab. (000’s)$ 1 234567891<strong>01</strong>11213141516182022242628303234363840424446485055606570758085909510<strong>01</strong>0511<strong>01</strong>1512<strong>01</strong>2513<strong>01</strong>3514<strong>01</strong>45Each Add’l$1000KEY FACTORSLimit ofCov A Liab. (000’s)0.31<strong>01</strong> 0.34620.38230.4190.4550.4910.5280.5640.6000.6370.6730.7090.7460.7820.8180.8550.9271.00<strong>01</strong>.0331.0651.0981.1311.1631.1961.2291.2611.2941.3271.3591.3921.4251.4571.49<strong>01</strong>.57<strong>01</strong>.65<strong>01</strong>.73<strong>01</strong>.81<strong>01</strong>.89<strong>01</strong>.9702.0502.1302.2102.2902.3702.4502.5302.6102.6902.7702.8502.9304567891<strong>01</strong>1121314151617181920212223242526272829303132333435363738394041424344454647484950Cov C0.350.480.610.740.871.0<strong>01</strong>.131.261.391.521.651.781.912.042.172.302.432.562.692.822.953.083.213.343.473.603.733.863.994.124.254.384.514.644.774.905.035.165.295.425.555.685.815.946.076.206.336.466.596.723.<strong>01</strong>00.<strong>01</strong>6 0.13Use this limit of liability to develop premiums for policyamounts less than $1,000406. DEDUCTIBLESEC, V&MMDed Fire Broad & Special$ 1,000 0.98 0.842,500 0.91 0.554-1-2<strong>01</strong>0 <strong>IA</strong>-DP-R-2Includes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEDWELLING PROPERTY RATE PAGES IOWA (14)3<strong>01</strong>. BASE PREMIUM COMPUTATIONExtended Coverage, Broad <strong>and</strong> SpecialForms – Coverages A & CLOSS COSTSTerr.Coverage ACoverage CForms DP 00 Forms DP 00<strong>01</strong> 02 03 <strong>01</strong> 02 & 03All 32.56 39.07 42.33 5.69 7.68Rating Notes:! DP 00 <strong>01</strong>, Key Loss Costs are Non-Seasonal <strong>and</strong>Seasonal.! DP 00 02 <strong>and</strong> DP 00 03, Key Loss Costs are Non-Seasonal only <strong>and</strong> include the charge for E.C. <strong>and</strong>V.&M.M. perils. To develop the Seasonal BASELOSS COST, multiply the following factors by the DP00 <strong>01</strong> E.C. BASE LOSS COST.DP 00 02 DP 00 03Coverage A 1.40 1.50Coverage C 1.65 1.65406. DEDUCTIBLESEC, V&MMDed Fire Broad & Special$ 1,000 0.98 0.912,500 0.91 0.60Limit ofLiab. (000’s)$ 1 234567891<strong>01</strong>11213141516182022242628303234363840424446485055606570758085909510<strong>01</strong>0511<strong>01</strong>1512<strong>01</strong>2513<strong>01</strong>3514<strong>01</strong>45Each Add’l$1000KEY FACTORSLimit ofCov A Liab. (000’s)0.5661 0.58820.61130.6340.6570.6800.7030.7260.7490.7710.7940.8170.8400.8620.8850.9080.9531.00<strong>01</strong>.0461.0911.1371.1821.2281.2731.32<strong>01</strong>.3651.4111.4561.5021.5471.5931.6391.6851.80<strong>01</strong>.9152.0302.1452.2602.3752.4902.6052.7202.8352.9503.0653.1803.2953.4103.5253.6403.7554567891<strong>01</strong>1121314151617181920212223242526272829303132333435363738394041424344454647484950Cov C0.170.330.500.670.831.0<strong>01</strong>.171.341.5<strong>01</strong>.671.842.002.172.332.502.672.843.003.173.343.513.673.844.004.174.344.514.684.855.025.195.365.535.705.876.046.216.386.556.726.897.067.237.407.577.747.918.088.258.423.8700.023 0.17Use this limit of liability to develop premiums for policyamounts less than $1,000.4-1-2<strong>01</strong>0 <strong>IA</strong>-DP-R-3Includes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEDWELLING PROPERTY RATE PAGES IOWA (14)302. VANDALISM & MALICIOUS MISCHIEF –(DP 00 <strong>01</strong>1)Loss cost per $1,000Not Seasonal or Vacant .............................. $ 0.07Seasonal & Not Vacant .................................. .0.35Vacant ............................................................. 4.89In Course of Construction............................... .0.07404. MOBILE OR TRAILER HOMES - (DP 00 <strong>01</strong>)Refer to Company500. MISCELLANEOUS RATESThe following loss costs per $1,000 apply to alloccupancies, territories, construction <strong>and</strong> protectionclassifications, unless otherwise specified:A. Fire: Protection Class 1-8...................... $ 0.988B, 9 & 10 .................. 1.77B. Extended Coverage (DP 00 <strong>01</strong>) ............... 0.56C. Broad Form (DP 00 02)............................ 0.85D. Special Form (DP 00 03).......................... 1.14E. Broad Form (DP 00 02) withEndt. DP 04 65...................................... 1.14<strong>Rates</strong> for A. are cumulative with either B. C. D. or E.508. TREES, SHRUBS AND OTHER <strong>PL</strong>ANTSC.1. The following loss costs per $1,000 apply to alloccupancies, territories, construction <strong>and</strong>protection classifications, unless otherwisespecified:Fire (DP 00 <strong>01</strong>)Protection Class 1-8............................... $0.988B, 9 & 10........................... 1.77Extended Coveragea. (DP 00 <strong>01</strong>) - All Specified PerilsIncludingExcludingWind or HailWind or Hail$ 23.58 $ 0.58b. Windstorm or Hail (DP 00 02/03).................................................. $ 23.00509. EARTHQUAKE COVERAGED. 1. 5% BASE DEDUCTIBLE - Loss cost per$1,000*Table A - FRAME(A) (B) (C)Territory Coverage A Coverage C Coverages D & E1 $ 0.09 $ 0.06 $ 0.062 $0.04 $0.05 $0.06Table B - MASONRY(A) (B) (C)Territory Coverage A Coverage C Coverages D & E1 $ 0.50 $ 0.40 $ 0.292 $0.17 $0.18 $0.18Table C - SUPERIOR(A) (B) (C)Territory Coverage A Coverage C Coverages D & E1 $ 0.18 $ 0.06 $ 0.112 $0.06 $0.05 $0.08510. THEFT COVERAGELoss cost per $1,000B.1.a. On-PremisesEntire State...................................... $ 13.11Off-PremisesEntire State........................................ $ 5.13511. SINKHOLE COLLAPSE COVERAGELoss cost per $1,000Cov. A or B & Other Bldg. Options............... $ 0.17Cov. C or Personal Property Options ........... $ 0.06512. WINDSTORM OR HAIL COVERAGELoss cost per $1,000Outdoor Radio &Awnings Signs TV Equipment$ 23.00 $ 23.00 $ 23.00513. WATER BACK UP AND SUMP OVERFLOWC. Charge per location .............................. $ 50.004-1-2<strong>01</strong>0 <strong>IA</strong>-DP-R-4Includes copyrighted material with permission of <strong>Insurance</strong> Services Office, Inc.