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

WESTERN NATIONAL MUTUAL INSURANCEDWELLING PROPERTY PROGRAMEXCEPTION PAGESLoss Cost MultipliersWestern National Dwelling Property rates may be calculatedby multiplying the ISO loss costs by the followingfactors:A. Iowa 1.38B. Minnesota 1.88C. South Dakota 2.08D. Wisconsin 2.18Special State RequirementsThis rule is supplemented with the following:WN DP 08 - Fungi, Wet or Dry Rot, or Bacteria Exclusion.Use this endorsement with all Dwelling policies forIowa, Minnesota and South Dakota.Rule 206.Minimum PremiumThis rule is supplemented with the following:A. Policy Minimum Premium - $50.00Rule 208.Waiver Of PremiumThis rule is supplemented with the following:Waiver of additional or return premium is not applicable.An additional Rule, 403. has been added to the exceptionpages.Rule 403.Dwelling Under ConstructionThis rule is supplemented with the following:C. Theft Coverage EndorsementFor an additional premium, coverage may be extendedto provide coverage for loss caused bytheft, including burglary, or attempted burglary oflumber, building materials, supplies, fixtures andequipment which will be or are a permanent partof the insured dwelling while at the described location.Coverage is provided during constructionuntil occupied or until expiration of the policy forup to a six month period.The most we will pay for any one loss is $10,000subject to no less than a $250 deductible. A flatcharge of $100 applies and is considered fullyearned.Use Endorsement WN DP 04.WN-DP-E-1 4-1-2010Includes copyrighted material with the permission of Insurance Services Office, Inc.