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

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Western National Mutual Insurance CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGESPOLICYWRITING INSTRUCTIONS AND PREMIUM DETERMINATIONRULE1.7 Dwellings Under ConstructionTheft EndorsementAttach Endorsement WN HO 03.Collapse Coverage EndorsementAttach Endorsement WN HO 04.$ 24 Flat ChargeFully Earned$ 24 Flat ChargeFully Earned7-1-2010 IA-HO-P-E-1 Preferred Exception PagesIncludes copyrighted material with permission of American Association of Insurance Services
Western National Mutual Insurance CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGES2.6 Basic Limits – Preferred Homeowner ProgramThe following basic limits apply to the coverages provided by the homeowners policy:PropertyCoverages Form 3 Form 5 Form 6Residence 100,000 100,000 10% of limit onpersonal propertyRelated PrivateStructures10% of limit onresidence10% of limit onresidencePersonal Property70% of limit onresidence70% of limit onresidence25,000Additional LivingCosts & Loss ofRentActual Loss/12 MonthsActual Loss/12 MonthsActual Loss/12 MonthsLiabilityCoveragesCoverage LCoverage MAll Forms$ 100,000 Each Occurrence$ 1,000 Per Person3.9 Contributing InsuranceCurrently NOT AVAILABLE3.12 Conditional Endorsements – This rule does not apply.4.2 Modified Loss Settlement Terms – Coverages A and B – Forms 3 and 54.2.1 Repair CostNot Available in Preferred Program.4.2.2 Modified Replacement CostNot Available in Preferred Program.4.3 Unit Owner’s Personal Property – Special Coverage IncludedAttach Endorsement ML-429.7-1-2010 IA-HO-P-E-2 Preferred Exception PagesIncludes copyrighted material with permission of American Association of Insurance Services
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Direct Billing Guidelines 3________
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Direct Billing Guidelines 11_______
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Direct Billing Guidelines 13_______
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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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LossesPrior loss history is very im
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Exhibit BHIGH PERFORMANCE, SPORTS,
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Exhibit DStandards for Use of Credi
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Can I do anything to improve my ins
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Western National Homeowners Coverag
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INCIDENTAL LIABILITY COVERAGESSTAND
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STANDARD ProgramPREFERRED ProgramFo
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Mutual Underwriting Information - O
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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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Western National Mutual Insurance C
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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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FORM 6 - UNIT OWNERSTerritory 406IO
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