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

Western National Mutual Insurance CompanyIOWA HOMEOWNER RULES7.22 Coverage A Options – Form 6 Only7.22.1 Increased LimitThe Coverage A limit can be increased. Use the rating information shown in this manual.Show the Coverage A limit on the declarations.7.22.2 Special CoverageCoverage for property covered under Coverage A can be provided against all risks ofdirect physical loss, with certain exceptions. Use the rating information shown in thismanual.Attach Endorsement ML-32.7.23 Golf CartsCoverage for direct physical loss to specified golf carts caused by a Coverage C peril orcollision or overturn can be added. Use the rating information shown in this manual. Thiscoverage is subject to a $500 deductible, regardless of the policy deductible.Attach Endorsement ML-431 and make entries to describe the covered property and show thelimit that applies.7.24 Expanded Replacement Cost – Forms 3 and 5 – PROTECTED PROPERTIES ONLY(Not Applicable If ML-255 Or ML-256 Is Attached)At the option of the company, the replacement cost terms that apply to Coverage A can beexpanded to pay up to 140% of the Coverage A limit when a covered loss exceeds the limitshown on the declarations and the insured elects to repair or replace the residence. TheCoverage A limit shown on the declarations must equal at least 100% of the residence'sreplacement cost at policy inception or at the time the expanded replacement cost terms areadded to the policy.Use the rating information shown in this manual.Attach Endorsement WN HO 10.7-1-2010 IA - Rules - 23 General RulesIncludes copyrighted material with permission of American Association of Insurance Services