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

Western National Mutual Insurance 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 and 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 and make entries to show the total limit.7.21.2 Additional LocationsThe incidental property and 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 and make entries to show the location and 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 and 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 and make entries to describe the additional locations andthe 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-53.7-1-2010 IA - Rules - 22 General RulesIncludes copyrighted material with permission of American Association of Insurance Services