PL - IA 01/01/2013 Rates and Manuals - Western National Insurance ...

Western National Mutual Insurance CompanyIOWA HOMEOWNER RULES2.5 Principal Liability Coverages (Mandatory)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 and M can be omitted when contributing insurance applies or when the policy iswritten to cover an additional or secondary location. See Rules 3.9 and 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 Exceptionand Rate PagesRefer to applicableState Exceptionand Rate Pages10% of limiton personalpropertyRelated PrivateStructures10% of limit onresidence10% of limiton residencePersonal Property70% of limiton residenceRefer to applicableState Exceptionand Rate Pages70% of limiton residenceRefer to applicableState Exceptionand 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 - Standard or PreferredLiabilityCoveragesCoverage LCoverage MAll Forms$100,000 Each Occurrence$1,000 Per PersonAt the option of the company, the Coverage L and Coverage M limits can be reduced in theStandard Homeowner Program. See Rules 8.2 and 8.3.7-1-2010 IA -Rules - 6 General RulesIncludes copyrighted material with permission of American Association of Insurance Services