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

Western National Mutual Insurance 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 and make an entry to show the amount of the increase and the totallimit that applies.7.16 Tenant's Improvements – Form 4 – Standard 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 and make an entry to show the amount of the increase and 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 and make an entry to show the amount of the increase and 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 and ML-61A and make entries to describe the covered propertyand show the limits that apply.7.19 Scheduled Glass – Forms 2, 3, 5 and 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 and make entries to describe the covered glass and show the limitsthat apply.1-1-2013 IA - Rules - 21 General RulesIncludes copyrighted material with permission of American Association of Insurance Services