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

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Western National Mutual Insurance CompanyIOWA HOMEOWNER RULES• Plumbing – New water supply lines throughout the house as well as all new plumbingfixtures and components.• Electrical – Replacement of circuit breaker or fuse panel, wiring, and electrical fixtures andcomponents, and an upgrade of amps to meet modern household demands.• Heating and Cooling – New furnace or the replacement of furnace burners, heatexchangers, and blower motor, and, 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 and 5.6.9 Windstorm Or Hail Loss To Roof Surfacing – Actual Cash Value SettlementThe loss settlement provisions that apply to Coverage A – Building and 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 and 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 and 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 WesternNational Mutual.• To be eligible for the credit, both the homeowner policy and the auto policy must be writtenfor the same named insured and 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.1-1-2013 IA - Rules - 16 General RulesIncludes copyrighted material with permission of American Association of Insurance Services
Western National Mutual Insurance 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 and 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 and photos of the unit arerequired. These items must be submitted “unbound” to Western National 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 standing wood burning stoves/appliances, wood burningfurnaces, pellet burning stoves, fireplace inserts, etc.This surcharge will apply to all wood burning and 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 and added to the Basic Policy Premiums.NOT ACCEPTABLENo fireplace insertsNo more than one heating appliance in the same chimneyNo wood and 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 outbuilding7-1-2010 IA - Rules - 17 General RulesIncludes copyrighted material with permission of American Association of Insurance Services
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Western National Insurance GroupHis
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Western National Insurance GroupPer
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AgentsOnlineThe broad name for all
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Western National Insurance GroupIns
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Five YearsWestern National will loo
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Available Discounts And CreditsWest
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Replacement Cost EstimatorsA requir
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Coverage FormsWestern National unde
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Exhibit BHIGH PERFORMANCE, SPORTS,
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Exhibit DStandards for Use of Credi
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INCIDENTAL LIABILITY COVERAGESSTAND
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WESTERN NATIONAL MUTUAL INSURANCE C
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RAUNATTE JANISCHSenior Underwriter
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GENERAL INSTRUCTIONS1. DO NOT BIND
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PROTECTEDTerritory 406IOWAHOMEOWNER
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PARTIALLY PROTECTEDTerritory 406IOW
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UNPROTECTEDTerritory 406IOWAHOMEOWN
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FORM 4 - TENANTSTerritory 406IOWAHO
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PL - IA 01/01/2013 Rates and Manuals - Western National Insurance ...

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