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

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Western National Mutual Insurance CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGES4.4 Row And Townhouses – Class RatedNumber of Individual Units 1-2 3-4 5-8 Over 8Increase basic premium by 1.00 1.10 1.25 N/A5.2 Deductible Options5.2.1 Forms 3 and 5Credit Factor$ 500 See basic policy premium 1.001,000 12% .881,500 20% .802,500 26% .745,000 36% .6410,000 40% .605.2.2 Form 6CreditFactor$ 500 See basic policy premium 1.001,000 12% .881,500 17% .832,500 23% .775,000 33% .6710,000 38% .62Show Deductible on Declarations. Deductible credits are NOT subject to maximumdollar amounts.5.3 Higher Windstorm or Hail Deductible Factors – Flat Dollar AmountForms 3 and 5All Other PerilsDeductibleIncreased Windstorm or HailDeductible$1,000 $1,500 $2,000 $5,000$ 500 1.00 .93 .89 .831,000 N/A .84 .80 .761,500 N/A N/A .77 .732,500 N/A N/A N/A .70Show Deductible on Declarations. Deductible credits are NOT subject to maximum dollaramounts.1-1-2013 IA-HO-P-E-3 Preferred Exception PagesIncludes copyrighted material with permission of American Association of Insurance Services
Western National Mutual Insurance CompanyPREFERRED HOMEOWNER PROGRAMIOWA EXCEPTION PAGESPREMIUM MODIFICATIONS6.1 Protective Devices Credit FactorCentral Station AlarmsBurglary 5% .95Fire 5% .95Fire Department Alarms 3% .97Police Department Alarms 3% .97Local Alarms 2% .98Sprinkler Systems 3% .97Attach Endorsement ML-216.Maximum credit allowed is 8%.6.2 Fire Resistive and Specifically Rated Buildings 1.006.3 Expanded Ordinance Or Law CoverageAttach Endorsement ML-257.6.4 Replacement Value – Personal PropertyForms 3, 5, and 6Attach Endorsement ML-55 to Form 3 and 6.IncludedIncluded6.6 Expanded Debris Removal Included6.7 Insurance Score DiscountInsuranceTier Score DiscountE2 816 & Over 56%E1 760 – 815 54%V2 740 – 759 52%V1 716 – 739 48%G2 696 – 715 43%G1 668 – 695 38%A2 620 – 667 33%A1 590 – 619 28%S2 555 – 589 18%S1 554 & Below 0%If no insurance score is available, the insured shall be placed in the G2 tier.1-1-2013 IA-HO-P-E-4 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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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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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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