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

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Western National Mutual Insurance CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES6.10 Type Of Roof Rating PlanRoof TypeFactorArchitectural Shingles 1.00Asphalt 3-Tab Shingles 1.00Composition Shingles 1.00Concrete Tile .95Fiberglass Shingles 1.00Foam 1.00Metal 1.00Rolled 1.05Rubber Membrane 1.05Slate 1.10Steel .95Tar and Gravel 1.00Tile (Clay/Spanish) 1.00Tin 1.00Wood Shake 1.106.11. Type Of Siding Rating PlanSiding TypeFactorAluminum/Metal 1.10Board & Batten 1.00Brick Solid .93Brick Veneer .93Cedar 1.00Cement Fiber .95Concrete Block .93Hardboard/Masonite .98Masonry Stucco .95Pine 1.00Plywood 1.00Redwood 1.00Siding-Logs .95Solid Log .95Steel 1.04Stone Veneer .93Synthetic Stucco .95Vinyl 1.10Wood Shingle/Shake 1.001-1-2013 IA-HO-S-E-8 Standard Exception PagesIncludes copyrighted material with permission of American Association of Insurance Services
Western National Mutual Insurance CompanySTANDARD HOMEOWNER PROGRAMIOWA EXCEPTION PAGES6.12 Multi-Policy DiscountA multi-policy discount of 15% shall apply if an eligible personal auto policy is written withWestern National Mutual.6.13 Territory FactorsForms 2 & 3 Forms 4 & 6TerritoryTerritoryNumber Factor Number Factor401 1.175 401 1.084402 1.175 402 1.084403 1.131 403 1.085404 1.352 404 1.058405 1.193 405 1.037406 1.000 406 1.000407 1.220 407 1.031408 1.289 408 1.065409 1.496 409 1.165410 1.381 410 1.091411 1.283 411 1.124412 1.222 412 1.154413 1.246 413 1.066414 1.345 414 1.204415 1.262 415 1.129416 1.037 416 1.032417 1.181 417 1.072418 1.073 418 1.033419 1.593 419 1.041420 1.061 420 1.041421 0.950 421 1.000432 1.382 432 1.037433 1.152 433 1.000434 1.461 434 1.129435 1.242 435 1.0331-1-2013 IA-HO-S-E-9 Standard 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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PL - IA 01/01/2013 Rates and Manuals - Western National Insurance ...

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