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

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Western National Mutual Insurance CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES2.6 Basic Limits – Standard Homeowner ProgramThe minimum limits of liability for the Standard Homeowner Program are as follows:PropertyCoverages Form 2 Form 3 Form 4 Form 6Residence $ 25,000 $ 40,000 10% oflimit on10% of 10% of personalRelated Private limit on limit on propertyStructures residence residence70% of 70% of $ 15,000 $ 20,000Personal limit on limit onProperty residence residenceAdditional 20% of 20% of 40% of 40% ofLiving Costs limit on limit on limit on limit onand Loss residence residence personal personalof Rent property propertySecondary Locations – Coverage A Minimum Limits1 or 2 Families: Form 2 – $ 15,000; Form 3 – $ 25,000Liability CoveragesCoverage LCoverage MAll Forms$ 100,000 each occurrence$ 1,000 each personCoverage L and Coverage M limits can be reduced. See Rules 8.2 and 8.3.3.9 Contributing Insurance – Currently NOT AVAILABLE3.12 Conditional Endorsement – This rule does not apply.1-1-2013 IA-HO-S-E-2 Standard Exception PagesIncludes copyrighted material with permission of American Association of Insurance Services
Western National Mutual Insurance CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES4.2 Modified Loss Settlement Terms –Coverages A and B – Forms 2, and 34.2.1 Repair Cost (Not applicable if WN HO 10 or ML-256 is attached)Coverage A LimitAs a % of Replacement CostWN Modifier80% and Higher 1.0066 - 79% 1.0950 - 65% 1.21Below 50% 1.49Attach Endorsement ML-255.4.2.2 Modified Replacement Cost (Not applicable if WN HO 10 or ML-255is attached)Coverage A LimitAs a % of Replacement CostWN Modifier66 - 79% 1.1250 - 65% 1.24Below 50% 1.52Attach Endorsement ML-256.7-1-2010 IA-HO-S-E-3 Standard Exception PagesIncludes copyrighted material with permission of American Association of Insurance Services
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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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PL - IA 01/01/2013 Rates and Manuals - Western National Insurance ...

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