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

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Western National HOMEOWNERS Coverage ComparisonIowaREFER 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 & ProtistsTestingIncluded inPropertyAggregateIncluded inPropertyAggregateIncluded inPropertyAggregateIncluded inPropertyAggregateIncluded inPropertyAggregateProperty $10,000 $10,000 $10,000 $10,000 $10,000Liability $50,000 $50,000 $50,000 $50,000 $50,000INCIDENTAL PROPERTY COVERAGES• Emergency Removal Included Included Included Included Included• Debris Removal – 25% / $500 limit per occurrence, notsubject to damage to property or obstruction of access25% / $500 25% / $500 Included 25% / $500 Included• Fire Department Service Charge $ 500 $ 500 $ 500 $ 500 $1000• Credit Card, Forgery, and Counterfeit Money $1500 $1500 $2000 $2000 $5000• Trees, Plants, Shrubs, or Lawns – 10% / $500 for eachtree, plant, or shrub10% of Cov CIncluded10% of Cov CIncluded10% of Cov CIncluded10% of Cov CIncluded10% of Cov CIncluded• Loss Assessment Property $1500 $1500 $1500 $1500 $1500• Consequential Loss to Refrigerator Contents – $500limit (higher optional limits available)$ 500 $ 500 $ 500 $ 500 $ 500Mutual Underwriting Information – October 2012 Page 32
STANDARD ProgramPREFERRED ProgramForm 3 Form 6 Form 3 Form 6 Form 5• Grave Markers $1500 $1500 $5000 $5000 $5000• Identity Fraud Expense Coverage – higher optionsavailable (does not apply to seasonal policies)$10,000 $10,000 $10,000 $10,000 $10,000• Lock and Garage Door Transmitter Replacement N/A N/A $ 500 $ 500 $ 500• Rebuilding to Code (Ordinance or Law) 25% 25% included Included Included• Personal Property Limit (can be increased ordecreased)70% ofCov AMinimumLimit$20,00070% ofCov AMinimumLimit$25,00070% ofCov A• Personal Property Replacement Cost Optional Optional Included Included Included• Guaranteed Replacement Coverage - dwelling, subjectto 140% of limit (protected properties only)Optional N/A Included N/A Included• Automatic Inflation Protection Included Included Included Included Included• Earth Movement for Personal Property Excluded Excluded Excluded Excluded Included• Association Deductible Coverage $1500 $1500 $1500 $1500 $1500• Common Loss Deductible Included Included Included Included Included• Tenant’s Improvements & Betterments N/A N/A N/A N/A N/ALIABILITY COVERAGES• Basic Limit for Personal Liability – Per Occurrence $100,000 $100,000 $100,000 $100,000 $100,000• Basic Limit for Medical Payments – Per Person $1000 $1000 $1000 $1000 $1000INCIDENTAL LIABILITY COVERAGES• Damage to Property of Others $ 500 $ 500 $1000 $1000 $1000• Contracts and Agreements Included Included Included Included Included• Claims and Defense Cost – loss of earnings-$50 perdayIncluded Included Included Included Included• First Aid Expense Included Included Included Included Included• Incidental Motorized Vehicle Coverage Included Included Included Included Included• WatercraftOutboard – up toNon-Owned Inboard or Inboard/Outboard – up toSailing Vessel – up toIncluded50 HP26 ftIncluded50 HP26 ftIncluded50 HP26 ftIncluded50 HP26 ftIncluded50 HP26 ft• Incidental Business Coverage Included Included Included Included Included• Loss Assessment – Liability $1500 $1500 $1500 $1500 $1500• Personal Injury Optional Optional Included Included IncludedWNM IA 1-1-2011Mutual Underwriting Information – October 2012 Page 33
Page 3 and 4: Direct Billing Guidelines 3________
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Page 15 and 16: Western National Insurance GroupHis
Page 17 and 18: Western National Insurance GroupPer
Page 19 and 20: AgentsOnlineThe broad name for all
Page 21 and 22: Western National Insurance GroupIns
Page 25 and 26: Five YearsWestern National will loo
Page 27 and 28: Available Discounts And CreditsWest
Page 29 and 30: Replacement Cost EstimatorsA requir
Page 31 and 32: Coverage FormsWestern National unde
Page 33 and 34: LossesPrior loss history is very im
Page 37 and 38: Exhibit BHIGH PERFORMANCE, SPORTS,
Page 39 and 40: Exhibit DStandards for Use of Credi
Page 41 and 42: Can I do anything to improve my ins
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Page 53 and 54: RAUNATTE JANISCHSenior Underwriter
Page 55 and 56: GENERAL INSTRUCTIONS1. DO NOT BIND
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Western National Mutual Insurance C
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Preferred Program IOWA PREFERRED Se
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PROTECTEDTerritory 406IOWAHOMEOWNER
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PARTIALLY PROTECTEDTerritory 406IOW
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UNPROTECTEDTerritory 406IOWAHOMEOWN
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FORM 4 - TENANTSTerritory 406IOWAHO
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FORM 6 - UNIT OWNERSTerritory 406IO
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