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

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Western National Mutual Insurance 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 and properly maintained alarm and/or sprinkler systems: (Credits canbe added together subject to a maximum credit of 8%)• Central Station Burglary and/or Fire Alarms• Fire Department and/or Police Department Alarms• Local Alarms, including smoke and/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 Expanded 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 and 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-55.7-1-2010 IA - Rules - 14 General RulesIncludes copyrighted material with permission of American Association of Insurance Services
Western National Mutual Insurance CompanyIOWA HOMEOWNER RULES6.5 Automatic Adjustment Of Limits6.5.1 Forms 2, 3 and 5Coverage is automatically increased or decreased (Coverages A, B and 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 and repaircost factors, and trends reflective of market conditions. There is no charge for thisendorsement.Attach Endorsement WN HO 096.5.2 Forms 4 and 6Coverage A if applicable, Coverage C and Coverage D are automatically increased by4% on an annual basis. There is no charge for this endorsement.Attach Endorsement WN HO 53.6.6 Expanded Debris Removal Coverage – Forms 2 and 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 Standard Program attach Endorsement WN HO 17. The Preferred Homeowner Programincludes this coverage for no additional premium.6.7 Insurance Score DiscountThe highest insurance score of a Named Insured or spouse (if a resident of the samehousehold) shall determine the Insurance Score Discount that applies to the policy premium.An insurance score shall be reordered every year, and 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, andcooling systems of the dwelling. If the following work has been completed within a ten-yearperiod by a competent contractor and 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.1-1-2013 IA - Rules - 15 General RulesIncludes copyrighted material with permission of American Association of Insurance Services
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