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

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Western National Insurance GroupHomeowners ProgramWestern National believes that the homeowner line of insurance can be profitable for both thecompany and the agency. We are pursuing "quality" homeowner risks that represent a lower thanaverage loss exposure. We will look for insureds that display the characteristics of honesty, andstability in their employment and living habits. They have a conscientious attitude towards safety.Their home will reflect an obvious pride of ownership through proper maintenance and goodhousekeeping.Western National currently offers two programs for homeowner coverages:• Preferred Homeowner Program – New and Updated homes less than 30 years old in protectedlocations.• Standard Homeowner Program – Excellent homes of any age located in protected, partiallyprotected or unprotected locations.Helpful Hints:Completed ApplicationsPlease make sure every question is answered and is dated, and signed by the applicant and theagent. Signed application is to be retained in the agency.Field UnderwritingWestern National strongly recommends the producer physically visit the premises to be insured (if atall possible). Identify all the exposures that may increase the possibility of a property or liability loss.Consider the overall maintenance of the structure(s), housekeeping, roof condition, and otherpotential hazards.Photo RequiredA photo is required on every homeowner application. Obtain at least two photos of the property(front and rear). Photos of all structures on the premises should be submitted for review.General ConstructionUnique construction such as log, dome, earth sheltered, etc. are not eligible. Homes with a stucco orEIFS finish, built after 1980 are not eligible. Foundations must be enclosed. Concrete blockfoundations or dwelling over pilings are not eligible.OccupancyOne or Two Family, owner occupied only. Homes must be occupied year round to qualify. Insuredswith occupations requiring travel where the home is unoccupied for extended periods are noteligible.Mutual Underwriting Information – October 2012 Page 14
Replacement Cost EstimatorsA requirement on homes with Expanded Replacement Cost – WN HO 20 on the dwelling in theStandard Homeowner Program. The home must be insured to 100% of the replacement cost.The Preferred Homeowner Program requires the home to be insured to 100% of its replacementcost and a replacement cost estimator must be submitted with every Preferred application.The replacement cost terms that apply to Coverage A can be expanded to pay up to 140% of theCoverage A limit when a covered loss exceeds the limit shown on the declaration and the insuredelects to repair or replace the residence.Updating InformationWestern National requires updating information on the roof, plumbing, electrical and heating. Thosehomes with a minimum 100 AMP service are eligible for our homeowner program. The age of theroof must be 20 years or less.Woodburning DevicesDO NOT BIND - May be acceptable provided the device is a UL tested and approved stove,installed with the proper clearances, and vented into an acceptable chimney. A Solid FuelQuestionnaire must be submitted unbound with photos to Western National before coverage will beconsidered. Such units must be professionally installed & inspected. The appliance must becertified. If vented into a masonry chimney, the chimney must be lined.LossesPrior loss history is very important to the underwriting function and every loss (insured or not) mustbe detailed on the application.Prefer risks with loss free experience – A "weather related" loss may be considered.Prior Cancellation/ Non-renewalDO NOT BIND – Submit with full details for consideration.Dogs, Horses, Other LivestockDogs of the breeds that display aggressive tendencies will not be considered. Examples mayinclude, but are not limited to Dobermans, Rottweilers, Chows, Akitas, Weimaraners, Pit Bulls,German Shepards, Siberian Huskies, Boxers, Great Danes, Presa Canario, etc.Risks that involve vicious or exotic animals or pets also will not be considered. Any animals withprior bite history (reported or not) will not be considered. Any risk where there are more than 3 dogsrequires prior underwriting approval.Ownership of horses or other livestock is viewed as an increased liability exposure and as such areineligible for Western National's homeowner programs.Mutual Underwriting Information – October 2012 Page 15
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