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

Western National Homeowners Coverage ComparisonMinnesota, South Dakota and WisconsinREFER TO THE POLICIES AND ENDORSEMENTS FOR COMPLETE DESCRIPTION OF COVERAGESTANDARD ProgramPREFERRED ProgramPROPERTY COVERAGES Form 3 Form 6 Form 3 Form 6 Form 5Limitations on Certain Property• Money, banknotes, bullion, gold other than goldwareand goldplated ware, silver other than silverware andsilver-plated ware, platinum, and numismatic property• Electronic devices, accessories, and antennas that canbe operated from the electrical system of a “motorizedvehicle” or watercraft and by other sources of power,while in the vehicle or watercraft or away from thepremises• Securities, stamps, letters of credit, notes other thanbank notes, personal records, tickets, accounts, deeds,evidence of debt, passports and manuscripts• Watercraft, including their trailers, furnishings,equipment, and engines or motors (on premises)$ 250 $ 250 $ 300 $ 300 $ 500$1500 $1500 $1500 $1500 $2500$1500 $1500 $1500 $1500 $2500$1500 $1500 $2000 $2000 $2500• Trailers not otherwise provided for (on premises) $1500 $1500 $2000 $2000 $2500• Loss by theft of jewelry, watches, precious andsemiprecious stone, gems, and furs*• Loss by theft of silverware, goldware, pewterware, anditems plated with gold or silver*$2500 $2500 $2500 $2500 $2500 *includesmisplacing or losing$2500 $2500 $2500 $2500 $2500 *includesmisplacing or losing• Loss by theft of guns* $2500 $2500 $2500 $2500 $2500 *includesmisplacing or losing• Business property - on the insured premises- off the insured premises$2500$ 250$2500$ 250$5000$1000$5000$1000$5000$1000• Limited Wet Rot, Dry Rot, Bacteria, Fungi & ProtistsMinnesota Excluded Excluded Excluded Excluded ExcludedSouth Dakota Excluded Excluded Excluded Excluded ExcludedWisconsinTestingIncluded inPropertyAggregateIncluded inPropertyAggregateIncluded inPropertyAggregateIncluded inPropertyAggregateIncluded inPropertyAggregateProperty $10,000 $10,000 $10,000 $10,000 $10,000Liability $50,000 $50,000 $50,000 $50,000 $50,000The following special limitations apply in Minnesotaonly – with regard to Replacement Cost Terms• Antiques $5000 $5000 $5000 $5000 $5000• Memorabilia $1000 $1000 $1000 $1000 $1000• Obsolete Items $ 500 $ 500 $ 500 $ 500 $ 500Mutual Underwriting Information – October 2012 Page 29