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

Business ActivitiesQuestions regarding business activities conducted on premises should be referred to theunderwriting department.Those activities such as sales, daycare (in some states), woodworking, car repair, etc., are ineligiblefor homeowner coverage with Western National.Scheduled Personal PropertySingle items of jewelry valued over $10,000 – Refer to Company before coverage may be bound.Current appraisals required detailing cut, color, clarity, and caret on jewelry valued above $2,500.Unusual Liability ExposureTrampolines, skateboard ramps, and unfenced hot tubs and pools create attractive nuisanceexposures and are currently ineligible. Outdoor hot tubs require a cover which can be locked.(Indoor hot tubs are not eligible).Swimming pools require a 6 foot fence with a locking gate.The ownership of farmland will also create an unwanted exposure for Western National.Recreational VehiclesDO NOT BIND – personal watercraft over 750 cc’s or snowmobiles over 600 cc’s or thoseconsidered high performance.Driver license numbers of all operators and household members must be submitted with request forcoverage on snowmobiles and personal watercraft.LocationStandard Program:Prefer homes located within 10 road miles of the responding fire department.Preferred Program:All buildings must fall into the "Protected" classification and within 5 road miles of the responding firedepartment.In order to be eligible for either program, the home must be readily accessible to fire protection.This means the responding fire department must be able to drive to the insured property. Dwellingslocated on “islands” are not eligible.Mutual Underwriting Information – October 2012 Page 16