DWELLING POLICY PROGRAM MANUAL EDITION 6-89 Dwelling Policy Program Manual.pdf · DWELLING POLICY...

DWELLING

POLICY

PROGRAM

MANUAL

EDITION 6-89

Rev. 01/09 PO-E-2

PATRONS DWELLING POLICY PROGRAM MANUAL EXCEPTION PAGE

MINIMUM PREMIUM

The minimum annual premium is $35.

RATING TIERS

Superior factor .85Standard is ISO base Rates.

ACCOUNT CREDIT

10% account credit when two policies are in effect for the same insured.Exceptions:

a) Personal Umbrella Policies.

LOSS FREE CREDIT (no paid losses in excess of $750)

Applies to all pricing tiers.$750. threshold applies to each individual claim number.Loss Free:

New & Renewal business 3 years loss free 15% 2 years loss free 10% 1 year loss free 5%

New business requires evidence of loss free with the prior carrier.

If the insured loses the credit because of a paid loss in excess of $750, the credit will be deleted on the renewal following the date the loss was paid. The policy will again start earning loss free credits on subsequent renewals if the risk remains loss free.

GROUP CREDIT

• 5% group credit• The agency has entered into an agreement with the owner/management having 10 or more employees.• The agency has entered into an agreement with a managing officer of an affiliate group. An affiliate group is

defined as “an organization of 10 or more dues paying members controlled by a Board of Directors”.• A minimum enrollment is not required.• The agent must indicate on the application the qualifying group for the 5% credit to apply.• All lines of business are eligible for the 5% Group Credit.• Applies to all pricing tiers.• Applies to all coverages on the policy.• Patrons’ optional bill plans are available. When choosing the EFT option, the insured will take advantage of

the newly introduced 5% EFT Credit. This will result in a substantial savings to the insured.• Existing Patrons’ insureds would be eligible for the 5% Group Credit if the agent of record has entered into an

agreement with the insured’s employer. However, if the existing Patrons’ insured is with another agent, thecurrent policy would have to be cancelled and rewritten with the new agent of record to receive the 5% GroupCredit.

• If an insured terminates their employment, they will retain the 5% Group Credit as long as they remain withthe same agent

• If an insured terminates their membership in the affiliate group, they will retain the 5% Group Credit as long asthey remain with the same agent

Rev. 11/06 PO-E-2

EFT (ELECTRONIC FUNDS TRANSFER) CREDIT • 5% EFT credit• Payment plan must be EFT (12-pay)• Applies to all coverages on the policy

PROTECTIVE DEVICES

ISO GENERAL RULE 408. PROTECTIVE DEVICES IS REPLACED WITH THE FOLLOWING:

• Approved and properly maintained installations of burglar alarms, fire alarms and automatic sprinklers in thedwelling may be recognized for a reduced premium. Multiply the BASE PREMIUM by the following factors:

Central Station Reporting Burglar Alarm .95 Central Station Reporting Fire Alarm .95 Police Station Reporting Burglar Alarm .97 Fire Department Reporting Fire Alarm .97 Two Local Fire/Smoke Alarms .95 One Local Fire/Smoke Alarm and/or Local Burglar Alarm .98 Automatic Sprinklers in all areas including attics, bathrooms, closets, attached structures .90 Automatic Sprinklers in all areas except attic, bathroom, closet and attached structure areas that are protected by a fire detector .95

• To obtain the Central Station Reporting credit, we require a copy of the Security System certificate.• Maximum credit allowed is 10%.

Use Endorsement DP 04 70 Premises Alarm or Fire Protection System.

IMPORTANT The Dwelling Fire section of the manual, with the exception of this page, is the 6-89 edition date of the ISO manual.

Copyright, Insurance Services Office, Inc., 1988 1st Edition 6-89

DWELLING POLICY PROGRAM MANUAL

INTRODUCTION

The Dwelling Policy Program provides property and related coverages using the forms and endorsements referred to inthis manual.

The rates, rules, forms and endorsements of the company shall apply in all cases not provided for in this manual.

This program does not apply to Farm Property. Refer to the company for its method of insuring farm property.

The Dwelling Policy Program Manual contains the rules, classifications and rating provisions for the issuance of theDwelling Policy. The rules are essentially the same as those contained in the previous Dwelling 77 Manual. However,they have been restructured and rearranged to facilitate a countrywide manual format. The manual is divided into twosections, countrywide GENERAL RULES and STATE RULES AND RATES.

The countrywide GENERAL RULES section contains rules common to most states. Any departures, additions, etc. tothese rules unique to individual jurisdictions, are contained in the STATE RULES AND RATES section.

The GENERAL RULES do not contain premiums, rates, charges or credits expressed in dollars and cents. They do,however, contain rating factors that are applied to state premiums.

A. GENERAL RULES are grouped into the following categories:

1. Coverage and Definitions type rules.

2. Servicing type rules.

3. Base Premium Computation rules.

4. Adjusted Base Premium Computation rules, and

5. Additional Coverages and Increased Limits rules.

B. STATE RULES AND RATES are grouped into the following categories:

1. Exceptions to General Rules and Additional Rules.

2. Special State Requirements.

3. Territory Definitions.

4. Key Premium/Key Factor Tables, and

5. Premiums, Rates, Charges and Credits

In jurisdictions where ISO does not publish state rate pages containing Key Premium and Key Factor tables, eachcompany using this manual should furnish its manualholders with its own company developed rate tablescontaining either Key Premiums and Key Factors or Base Premiums.

Also, where ISO does not publish any state rate pages containing premiums, rates, charges and credits expressed indollars and cents, each company using this manual should furnish its manualholders with the state rate pagescontaining this information.

DP-C-1 1st Edition 6-89Copyright, Insurance Services Office, Inc., 1988

DWELLING POLICY PROGRAM MANUALGENERAL RULES

TABLE OF CONTENTS

RULE PAGE101. Forms, Coverages, Minimum Limits of Liability DP-1102. Perils Insured Against DP-2103. Eligibility DP-3104. Protection Classification Codes and Information DP-4-6105. Seasonal Dwelling Definition DP-4-6106. Construction Definitions DP-4-6107. Single Building Definition DP-1

201. Policy Period DP-7202. Changes or Cancellations DP-7203. Manual Premium Revision DP-7204. Multiple Locations DP-7205. Multiple Policies DP-7206. Minimum Premium DP-8-10207. Transfer or Assignment DP-8-10208. Waiver of Premium DP-8-10209. Whole Dollar Premium DP-8-10

301. Base Premium Computation DP-11302. Vandalism & Malicious Mischief DP-11303. Ordinance or Law Coverage DP-12-14304. Permitted Incidental Occupancies DP-12-14

401. Superior Construction DP-15402. Cov. C – Personal Property In Buildings Subject to

Commercial Class Rates or Specific Rates DP-15403. Dwelling Under Construction DP-15404. Mobile or Trailer Homes DP-15405. Townhouse or Row House DP-15, DP-16-18406. Deductibles DP-16-18407. Automatic Increase In Insurance DP-16-18408. Protective Devices DP-16-18

500. Miscellaneous Rates DP-19501. Coverage B - Other Structures DP-19502. Coverage D - Fair Rental Value/

Coverage E - Additional Living Expense DP-19,DP-20 DP-19, DP-20503. Ordinance or Law Coverage – Improvements,

Alterations and Additions and Building Items DP-20 DP-20504. Improvements, Alterations and Additions – Tenants

and Co-op Unit-Owners DP-20505. Building Items – Condo Unit-Owners DP-20, DP-21506. Loss Assessment Property Coverage DP-21507. Fire Department Service Charge DP-21508. Trees, Shrubs and Other Plants DP-21509. Earthquake Coverage DP-22510. Theft Coverage DP-22, DP-23511. Sinkhole Collapse Coverage DP-23512. Windstorm or Hail Coverage – Awnings, Signs

and Outdoor Radio and Television DP-23

DP-1 1st Edition 6-89Copyright, Insurance Services Office, Inc., 1988


101. FORMS, COVERAGES, MINIMUM LIMITS OF LIABILITY

A. Forms

The Dwelling Policy Program makes available the following policy forms:

1. DP 00 01 - Basic Form

2. DP 00 02 - Broad Form

3. DP 00 03 - Special Form

B. Coverages

1. Forms DP 00 02 and DP 00 03 provide the following Coverages. These Coverages are written as separateitems in the policy or in separate policies:

Coverage A - Dwelling

Coverage B - Other Structures

Coverage C - Personal Property

Coverage D - Fair Rental Value

Coverage E - Additional Living Expense

2. Form DP 00 01 provides Coverages A through D; Coverage E is available by endorsement.

C. Minimum Limits of Liability

The following coverages are subject to a minimum limit of liability:

Coverages Minimum Limit1. Coverage A – Dwelling $12,000 (Form DP 00 02)

$15,000 (Form DP 00 03)

2. Coverage C – PersonalProperty

$4,000 without Coverage A(Forms DP 00 02 and DP 00 03)

3. There are no minimum limits for Form DP 00 01

DP-2 1st Edition 6-89Copyright, Insurance Services Office, Inc., 1988


102. PERILS INSURED AGAINST

The following is a general description of the coverages provided by the individual Dwelling Policy Forms. Thepolicy should be consulted for exact contract conditions.

Perils Insured AgainstDP 00 01BASICFORM

DP 00 02BROADFORM

DP 00 03SPECIAL

FORM

Fire or Lightning,Internal Explosion Yes Yes Yes

Extended Coverage meaningWindstorm or Hail, Explosion,Riot or Civil Commotion,Aircraft, Vehicles, Smoke,Volcanic Eruption Optional* Yes Yes

Vandalism or MaliciousMischief Optional** Yes Yes

Damage By Burglars, FallingObjects, Weight of Ice, SnowOr Sleet, Accidental Discharge ofWater or Steam, SuddenCracking of a Steam of Hot WaterHeating System, Freezing, SuddenDamage form Artificial ElectricCurrents No Yes Yes

Additional Risks with CertainExceptions (Special Coverage)

No No YesCoverage Aand B Only

* May only be written with the perils of Fire or Lightning, Internal Explosion.

** May Only be written with Extended Coverage.


DP-3 1St Edition 6-89Copyright, Insurance Services Office, Inc., 1988

103. ELIGIBILITY

A Dwelling Policy may be issued to provide insuranceunder:A. Coverage A – on a dwelling building:

1. Used solely for residential purposes exceptthat certain incidental occupancies or up to5 roomers or boarders permitted;

2. Containing not more than four apartments; and3. Which may be in a townhouse or row house

structure; or4. In course of construction

B. Coverage A – on a mobile or trailer home:1. Using Form DP 00 01 only;2. Used solely for residential purposes except

that certain incidental occupancies or up to5 roomers or boarders permitted;

3. Containing not more than one apartment;4. For a policy period of not longer than one

year; and5. At the permanent location described in the

policy.

C. Coverage B:1. At the same location as the dwelling eligible

for insurance under Coverage A;2. Not used for business purposes except a

permitted incidental occupancy or when rentedfor use as a private garage;

3. At a separate location when used in connectionwith the insured location but not for businesspurposes.

D. Coverage C in:1. A dwelling, mobile or trailer home eligible

under Coverage A; or2. A dwelling with rental apartments including

furnishings, equipment and appliances in hallsor utility rooms; or

3. Any apartment, cooperative or condominiumunit used as private living quarters of theinsured or rented to others.

E. Coverage D for the loss of the fair rental value of:

1. A building eligible for insurance underCoverages A or B; or

2. Private living quarters eligible under CoverageC.

F. Coverage E for the additional living expensesincurred to maintain the insured’s household.

104. PROTECTION CLASSIFICATION CODESAND INFORMATION

A. Codes

ProtectionClass

Code

1 012 023 034 045 056 067 078 089 09

10 10

B. Protection InformationThe Protection Class listings in the PublicProtection Classification Manual apply to risksinsured under Dwelling Program Policies1. The protection class indicated applies in a

municipality or classified area where a singleclass of fire protection is available throughout(8, 7, 6, etc.).

2. In a classified area where two or moreclassifications are shown (e. g. 6/9), theclassification is determined as follows:

Distance to Fire Station Classa. 5 road miles or less with

hydrant within 1,000 feet*

*First protection class(e. g. 6/9…use Class 6)b. 5 road miles or less with

hydrant beyond 1,000 feet9

c. Over 5 road miles 103. All other properties are Class 10


DP-4 - 6 1St Edition 6-89Copyright, Insurance Services Office, Inc., 1988

105. SEASONAL DWELLING DEFINITION

A seasonal dwelling is a dwelling with continuousunoccupancy of three or more consecutive monthsduring any one year period.

106. CONSTRUCTION DEFINITIONS

A. Frame – exterior wall of wood or othercombustible construction, including wood ironclad,stucco on wood or plaster on combustible supports(Use Construction Code 1)

Aluminum or plastic siding over frame. (UseConstruction Code 5)

B. Masonry Veneer – exterior walls of combustibleconstruction veneered with brick or stone. (UseConstruction Code 2)

C. Masonry – exterior walls constructed of masonrymaterials such as adobe, brick, concrete, gypsumblock, hollow concrete block, stone, tile or similarmaterials and floors and roof of combustibleconstruction. (Disregarding floors resting directlyon the ground). (Use Construction Code 3)

D. Superior Construction – (Use Construction Code4)1. Non-Combustible – exterior walls and floors

and roof constructed of, and supported bymetal, asbestos, gypsum, or other non-combustible materials.

2. Masonry Non-Combustible – exterior wallsconstructed of masonry materials (as describedin C. above) and floors and roof of metal orother non-combustible materials.

3. Fire Resistive – exterior walls and floors androof constructed of masonry or other fireresistive materials.

NOTE: Mixed (Masonry/Frame) – a combination ofboth frame and masonry construction shall beclassed and coded as frame when the exteriorwalls of frame construction (including gables)exceed 33 1/3% of the total exterior wall area;otherwise class and code as masonry.

107. SINGLE BUILDING DEFINITION

A. All buildings or sections of buildings which areaccessible through unprotected openings shall beconsidered as a single building.

B. Buildings which are separated by space shall beconsidered separate buildings.

C. Buildings or sections of buildings which areseparated by an 8 inch masonry party wall whichpierces or rises to the underside of the roof andwhich pierces or extends to the inner side of theexterior wall shall be considered separatebuildings. Accessibility between buildings withindependent walls or through masonry party wallsdescribed above shall be protected by at least aClass A Fire Door installed in a masonry wallsection.



201. POLICY PERIOD

The policy may be written for a period of:A. One year and may be extended for successive

policy periods by extension certificate based uponthe forms, premiums and endorsements then ineffect for the company.

B. Three years prepaid at three times the annualpremium.

C. Three years in annual installments. Each annualinstallment shall be the annual premium then ineffect for the companyUse Endorsement DP 04 32 Deferred PremiumPayment.

For maintaining common anniversary dates, a policymay be written for a period less than one year or lessthen three years on a pro rata basis.

202. CHANGES OR CANCELLATIONS

If insurance is increased, cancelled or reduced, theadditional or return premium shall be computed on apro rata basis.

203. MANUAL PREMIUM REVISION

A manual premium revision shall be made inaccordance with the following procedures:A. The effective date of such revision shall be as

announced.B. The revision shall apply to any policy or

endorsement in the manner outlined in theannouncement of the revision

C. Unless otherwise provided at the time of theannouncement of the premium revision, therevision shall not affect:1. In-force policy forms, endorsements or

premiums, until the policy is renewed; or2. In the case of a Deferred Premium Payment

Plan, in-force policy premiums, until theanniversary following the effective date of therevision.

204. MULTIPLE LOCATIONS

A policy may be issued to provide insurance at morethan one described location in the same state provided:

A. The same form and deductible applies at eachlocation;

B. A separate policy declarations page is completedfor each location; or

C. The policy declarations page is completed byshowing:1. The total policy premium for all locations in

the premium payments section.2. The deductible by entry of the deductible

amount and adding “at each location.”3. Inserting the form number that applies.4. Adding an appropriate reference to the

Additional Dwelling Declarations or companyequivalent.

205. MULTIPLE POLICIES

Does not affect coding.A. Insurance may be provided on the same property

under two or more Dwelling policies in one ormore companies as follows:1. The same form and endorsements must apply

to all policies2. The same deductible amount must apply to all

policiesUse Endorsement DP 04 30 Premium Sharing –Two or More Policies.

B. PremiumThe premium for each policy is developed asfollows:1. Compute the premium for the total limits of

liability from the manual of the companyissuing each policy.

2. Allocate the premium determined in B. 1.above based on the ratio of each policy’s limitof liability to the total limits of liability for allpolicies.

Example (two policies – two companies)$50,000 Coverage A Limit (Premiums shown arefor illustration only)

Company A Company BEach Company’sPercentage Share

70% 30%

Premium for$50,000 Cov. A,

$240 $200

Each Company’sPolicy Premium

$168(70% of$240)

$60(30% of$200)

Total Premium (168 + 60) = $228


DP-8 -10 1St Edition 6-89Copyright, Insurance Services Office, Inc., 1988

206. MINIMUM PREMIUM

Refer to Statistical Plan for coding requirements.A. For prepaid policies the minimum annual premium

shown on the state rate pages shall be charged foreach policy.

B. When policies are written under a premiumpayment plan, no payment shall be less than theminimum premium shown on the state rate pagesfor each annual period.

C. The minimum premium may include all chargeableendorsements or coverages for Fire or Fire andAllied Lines if written at inception of the policy.

D. The minimum annual premium shall not includecharges of Theft or Earthquake Coverage, exceptwhen Earthquake is the only peril covered underthe policy.

207. TRANSFER OR ASSIGNMENT

Subject to the consent of the company, all rules of thismanual and any necessary adjustments of premium, apolicy may be endorsed to effect:A. Transfer to another location within the same state;

orB. Assignment from one insured to another in the

event of transfer of the title of the dwelling.

208. WAIVER OF PREMIUM

Does not affect coding.When a policy is endorsed after the inception date, referto the state rate pages for the amount of additional orreturn premium that may be waived.

209. WHOLE DOLLAR PREMIUM RULE

Does not affect codingA. Each premium shown on the policy and

endorsements shall be rounded to the nearest wholedollar. A premium of fifty cents ($.50) or moreshall be rounded to the next higher whole dollar.

B. In the event of cancellation by the company, thereturn premium may be carried to the next higherwhole dollar.

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state rate pages



301. BASE PREMIUM COMPUTATION

To compute the BASE PREMIUM, use the KeyPremiums and Key Factors that are displayed in thestate rate pages.

A. Fire (All Forms), E. C. (DP 00 01), Broad Form(DP 00 02), or Special Form (DP 00 03)

Coverage A – Dwelling /Coverage C – Personal Property

1. From the Key Premium Table, select the KeyPremium for the classifications or coveragesthat apply to the risk.

2. From the Key Factor Table, determine the KeyFactor for the desired limit of liability. If thedesired limit of liability is not shown in thetable, interpolate as illustrated in paragraph Bof this rule.

3. Multiply the Key Premium by the Key Factorand round to the nearest whole dollar todevelop the BASE PREMIUM ($.50 or morerounded to the next higher whole dollar).

B. Interpolation Example

When the desired limit of liability is less than thehighest limit shown, interpolate the Key Factorsusing the nearest limit above and below the desiredlimit.

Example: $25,500 desired limit; the nearestlimits are $25,000 and $26,000.

For $25,000, the Key Factor is 1.082; for$26,000 the Key Factor is 1.098. Figure thedifference between the two Key Factors anddivide by 10. This provides a factor per $100.

1.098-1.082

.016Multiply for factor per $100 times five, andadd 1.082: the Key Factor for $25,000:

.0016x 5.0080 + 1.082 = 1.090

The result, 1.090, is the Key Factor for thisexample.

302. VANDALISM & MALICIOUS MISCHIEF – DP 00 01

Develop the BASE PREMIUM by multiplying thesame limit of liability selected for Extended Coverageby the V&MM rate shown on the state rate pages.


DP-12 -14 1St Edition 6-89Copyright, Insurance Services Office, Inc., 1988

303. ORDINANCE OR LAW COVERAGE

Does not affect coding.The policy may be endorsed to insure Coverages A andB against loss resulting from ordinances or laws whichregulate construction, repair or demolition of theproperty.

A. Develop the BASE PREMIUM in accordancewith Rule 301 above for the Coverage A amount ofinsurance that is equal to at least 80% of the sumof:1. The full replacement cost of the dwelling; and

if desired,2. The amount of insurance necessary to cover

the cost of increased construction anddemolition.

B. Multiply the above result by 1.20.

C. For Ordinance or Law Coverage when the policydoes not include Coverages A and B, refer to Rule503.

Use Endorsement DP 04 71 Ordinance or LawCoverage.

304. PERMITTED INCIDENTAL OCCUPANCIES

A. One of the incidental occupancies described in B.below is permitted in a premises eligible forcoverage under a Dwelling Policy, if:1. The policy provides insurance under Coverage

A, B, or C;

2. The incidental occupancy is operated by theinsured who is the owner or a resident of thepremises; and

3. There is no more than two persons at work inthe incidental occupancy

Use Endorsement DP 04 20 Permitted IncidentalOccupancies.

B. Permitted Incidental Occupancies1. Offices, Schools or Studios meaning offices

for business or professional purposes, andprivate schools or studios for music, dance,photography and other instructional purposes.

2. Small Service Occupancies meaningoccupancies primarily for service rather thansales. For example: barber or beauty shop,tailor or dressmaker, telephone exchanges orshoe repair shops using handwork only.

3. Storage of merchandise if the value of themerchandise does not exceed $10,000.

C. The amounts of insurance for the contents of theincidental occupancy and merchandise in storageshall be stated as separate contents items in thepolicy declarations.

D. PremiumsDetermine the Coverage C BASE PREMIUMunder Rule 301, using the single Key Factor for thetotal amount of insurance for :1. Household personal property,2. Contents of the incidental occupancy, and3. Merchandise in Storage.

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Rule

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503.



401. SUPERIOR CONSTRUCTION

A. Refer to the Construction Definition rule in thismanual for details

B. For E. C. rating purposes a dwelling classified as:1. Fire Resistive is considered Wind Resistive.2. Masonry Non-Combustible is considered

Semi-Wind Resistive.C. Premium:

Multiply the Masonry BASE PREMIUM by theappropriate factor noted below:

Fire E.C.,Broad &SpecialForms

Fire Resistive & MasonryNon-Comb. .50 .50Non-Combustible .50 1.00Construction Code 4

402. COVERAGE C – PERSONAL PROPERTY INBUILDINGS SUBJECT TO COMMERCIAL CLASSRATES OR SPECIFIC RATES

A. FireUse the appropriate factor shown below if thebuilding is classified in Div. 5 of the CommercialLines Manual, Rule 85, paragraph:

B.1.OrB.2.*

B.3. or,is ratedspecifically**

1. Fire Resistive &Masonry Non-Comb.& Non-Comb.Multiply theMasonry Cov C.BASE PREM. by

.50 1.00

2. All Other ConstructionMultiply the MasonryCov. C. or Frame BASEPREM. by

1.00 2.00

B. E.C., V&MM, Broad or Special FormMultiply the Cov. C BASE PREMIUM by 1.00.

* Does Not affect Coding.** Construction Code 8

403. DWELLING UNDER CONSTRUCTION

A. Two methods are provided for insuring thisexposure.1. Named Insured Is The Intended Occupant.

A builder (contractor) may be designated as anadditional insured. The policy may becancelled upon completion of the dwellingUse Endorsement DP 11 43 Dwelling UnderConstruction

2. Named Insured Is Not The IntendedOccupant.The policy shall specify building is in courseof construction and permission is granted tocomplete.

For other coverage bases, refer to the CommercialLines Manual.

B. Premium:1. Multiply the Coverage A Owner Occupied

BASE PREMIUM by .65.Status Code 1

2. Multiply the Coverage A Non-OwnerOccupied BASE PREMIUM by 1.00.Status Code 5

404. MOBILE OR TRAILER HOMES – DP 00 01 ONLY

Construction Code 6Refer to the state rate pages.

405. TOWNHOUSE OR ROW HOUSE

A. Determine the total number of individual familyunits within a Fire Division. For example, a 2family dwelling attached to a 1 family dwelling isconsidered 3 individual family units within a FireDivision if both dwellings are not separated by afire wall. Four attached 2 family dwellings areconsidered 8 individual family units within a FireDivision if they are not separated by fire walls.

A Policy may be issued for:1. Coverage A when the dwelling contains 1, 2, 3

or 4 individual family units within a FireDivision.

2. Coverage C in a dwelling with 1 or moreindividual family units within a Fire Division.

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Construction Definition rule

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state rate pages.


DP-16-18 1St Edition 6-89Copyright, Insurance Services Office, Inc., 1988

405. TOWNHOUSE OR ROW HOUSE (Cont’d)

B. Premium:No. of Indiv. Use Cov. A* or CFamily Units BASE PREMIUM for1, 2, 3 or 4 1, 2, 3 or 4 families5 or more 5 or more families*Refer to the Commercial Lines Manual forbuilding coverage when it contains 5 or moreindividual family units within a Fire DivisionCode according to total No. of families within aFire Division.

406. DEDUCTIBLES

All policies are subject to a deductible that applies toloss from all perils, except Earthquake. A separatedeductible provision applies to Earthquake Coverage,Refer to the Earthquake Coverage rule for theapplicable deductible provision.A. Base Deductible

$250 Deductible. (Size Code 25).B. Optional Deductibles

Multiply the BASE PREMIUM for the BaseDeductible by the appropriate factors:

Ded.Size

Code Fire

E.C., V&MM,Broad &

Special Forms$00,100* 10 1.05 1.20$00,500 50 0.97 0.85$01,000 82 0.95 0.70$02,500 86 0.88 0.60*Refer to the state rate pages for the minimumannual additional premium charge that applies perpolicy.The Deductible Size is coded separately for Fire,E.C., Etc.

407. AUTOMATIC INCREASE IN INSURANCE

Does not affect coding.A. The policy may be endorsed to provide automatic

annual increases in the Coverage A and B limits ofliability. Apply a factor to the BASE PREMIUMas follows:

Amount of AnnualIncrease Factor

4% 1.026% 1.038% 1.04

Each Add’l 4%over 8% add 0.02

B. The premium for a 3 year policy is 3.2 times theannual policy premium.

Use Endorsement DP 04 11 Automatic Increase InInsurance

408. PROTECTIVE DEVICES

Does not affect codingApproved and properly maintained installations of firealarms and automatic sprinklers in the dwelling may berecognized for a reduced premium – developed byapplying the selected factors to the Fire BASEPREMIUM.

Factor

Type of Installation Dwelling

MobileOr

TrailerHome

Central StationReporting Fire Alarm

.90 to 1.00 .92 to 1.00

Fire DepartmentReporting Fire Alarm

.93 to 1.00 .95 to 1.00

Local Fire Alarm .95 .97Automatic Sprinklersin all areasincluding attics,bathrooms, closets,attached structures

.80 to .90 .90 to .95

Automatic Sprinklersin all areasexcept attic,Bathroom closetAnd attached structureareas that areProtected by a firedetector

.90 to 1.00 .95 to 1.00

Refer to Company for eligibility, types of systems anddevices, installation and available credits.

Use Endorsement DP 04 70 Premises Alarm or FireProtection System.

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Earthquake Coverage rule



500. MISCELLANEOUS RATES

This rule is reserved to provide rates on the state ratepages for various rating rules in this manual.

501. COVERAGE B – OTHER STRUCTURES

Coding Note: When the policy does not includeCoverage A or C, use Exception Code 7; otherwiseAmount of Insurance Code should reflect the increasedexposure.A. Coverage for other structures described as covered

under Coverage B is automatically provided on ablanket basis for up to 10% of the Coverage Alimit.1. Under DP 00 01, use of this option reduces the

Coverage A limit for the same loss.2. Under DP 00 02 or DP 00 03, this limit is

additional insurance.The blanket limit may not be increased

B. Coverage may be purchased for specific structures.See C. below.

C. Premium:1. Structure Rented to Others For Dwelling

PurposesRate each structure separately as a Coverage ADwelling, Non-Owner Occupied under Rule301.

2. Structure Not Rented to Others for DwellingPurposesEnter the limit of liability and description ofeach structure in the Coverages Declarationsof the policy at inception or by DP 12 10Change Endorsement after policy inception.a. Policy includes Cov. A or structure does

not have permitted incidental occupancyor is at same described location as thedwelling:1. Fire, E.C., Broad and Special

FormsRefer to the state rate pages Rule500 –Miscellaneous Rates.

2. V&MM (DP 00 01)Refer to the state rate pages Rule302 – V&MM

b. Policy does not include Cov. A orstructure has permitted incidentaloccupancy or is not at same describedlocation as the dwelling:

(1) Fire, E.C., Broad and SpecialFormsRate each structure separately as aCoverage A item under Rule 301using the 1 Family Key Premium.

(2) V&MM (DP 00 01)Refer to the state rate pages Rule302 – V&MM

502. COVERAGE D – FAIR RENTAL VALUECOVERAGE E – ADDITIONAL LIVING EXPENSE

Coding Note: When the policy does not includeCoverage A or C, use Exception Code 7, otherwisedoes not affect coding.A. Coverage is provided in the forms on a limited

basics as follows:1. DP 00 01

a. Coverage D – Up to 10% of the Cov. Alimit is available. Use of this optionreduces the Cov. A limit for the same loss.

b. Coverage E – not automatically includedin form. It may be added as noted in B.below.

2. DP 00 02 or DP 00 03Coverage D and E combined – Up to 10% ofthe Cov. A limit is available for Cov. D andCov. E. combined as additional insurance.

B. Coverage may be increased or added as follows:ALL FORMSCoverage D – enter amount of increase in policydeclarations at inception or in DP 12 10 – ChangeEndorsement, after policy inception.Show a monthly limitation equal to the fraction of:

1# of mos. dwelling rented per year

in the policy or endorsement declaration.Coverage E – enter initial limit (DP 00 01) oramount of increase (DP 00 02 or DP 00 03) inpolicy declarations at inception or in DP 12 10 –Change Endorsement, after policy inception.

Always show “up to 25% per month” in the policyor endorsement declarations.

Use DP 04 14 Additional Living Expense for DP00 01

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Miscellaneous Rates.

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V&MM

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V&MM



502. COVERAGE D – FAIR RENTAL VALUECOVERAGE E – ADDITIONAL LIVING EXPENSE(Con’t)

C. Premium:1. Policy includes Cov. A or Cov. C.

a. Fire, E.C., Broad and Special FormsRefer to the state rate pages Rule 500 –Miscellaneous Rates.

b. V&MM (DP 00 01)Refer to the state rate pages Rule 302 –V&MM

2. Policy does not include Cov. A or Cov. C.a. Fire, E.C., Broad and Special Forms

(1) 1-4 Family DwellingMultiply the Cov. A Key Premium bythe Cov. A Key Factor, for:(a) The Cov. D limit times .53; or(b) The Cov. E limit, times 1.00

(2) 5 or more Family DwellingCalculate the premium as instructedabove using the 4 Family Keypremium.

b. V&MM (DP 00 01)Refer to the state rate pages Rule 302 –V&MM

503. ORDINANCE OR LAW COVERAGEImprovements, Alterations andAdditions and Building Items

Does not affect coding.The policy may be endorsed to provide coverageagainst loss resulting from ordinances or laws whichregulate construction, repair or demolition of property.

See Rules 504. and 505. below for rating instructions.

Use Endorsement DP 04 71 Ordinance or LawCoverage

504. IMPROVEMENTS, ALTERATIONS AND ADDITIONSTenant and Co-op Unit-OwnerDP 00 01 and DP 00 02

Does not affect codingA. Named perils coverage is automatically provided in

the forms for up to 10% of the Coverage C limit.

1. Under DP 00 01, use of this option reduces theCoverage C limit for the same loss.

2. Under DP 00 02, this limit is additionalinsurance.

This limit may be increased to an additionalpremium

B. For Form DP 00 02, coverage may be extended toSpecial Coverage for an additional premium.

C. Coverage may be written without Coverage A, B,C, D or E.

D. Premium:1. Fire, E.C., Broad and Special Forms

a. If the policy includes Cov. A, B, C, D orE, refer to the state rate pages Rule 500 –Miscellaneous Rates.

b. If the policy does not include Cov. A, B,C, D or E, multiply the Cov. A, 4 Family,Owner Occupied Key Premium (for theterritory, protection and constructionapplying to the described location) by theCov. A Key Factor for the amount ofinsurance desired.

c. If DP 04 71 is endorsed on to the policy,calculate the premium as instructed aboveand add the additional rate per $1,000shown on the state rate page.

2. V&MM (DP 00 01)Refer to the state rate pages Rule 302 –V&MM

Use endorsement DP 04 31 Improvements,Alterations and Additions for Named PerilsCoverageUse Endorsements DP 04 31 Improvements,Alterations and Additions and DP 04 65 forSpecial Coverage.

505. BUILDING ITEMSCondo Unit-Owner – DP 00 01 or DP 00 02

Does not affect coding.A. Building items are not covered in the forms.

Named Perils or Special Coverage is available foran additional premium

B. Coverage may be written without Coverage A, B,C, D or E.

C. Premium:1. Fire, E.C., Broad and Special Forms

a. If the policy includes Cov. A, B, C, D orE, refer to the state rate pages Rule 500 –Miscellaneous Rates.

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V&MM

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V&MM

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state rate page.

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V&MM

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505. BUILDING ITEMS (Cont’d)Condo Unit-Owner – DP 00 01 or DP 00 02

b. If the policy does not include Cov. A, B,C, D or E, multiply the Cov. A., 4 Family,Owner Occupied Key Premium (for theterritory, protection and constructionapplying to the described location) by theCov. A Key Factor for the amount ofinsurance desired.

c. If DP 04 71 is endorsed onto the policy,calculate the premium as instructed aboveand add the additional rate per $1,000shown the state rate page.


Use Form DP 00 01 or DP 00 02 and EndorsementDP 17 66 Unit-Owners Coverage for Named PerilsCoverage.Use Form DP 00 02 and Endorsement DP 17 66Unit-Owners Coverage and DP 04 65 for SpecialCoverage.

506. LOSS ASSESSMENT PROPERTY COVERAGECo-op or Condo Unit-Owner or Tenant–

DP 00 01 or DP 00 02 Dwelling Building Owner – ALL FORMS

Does not affect coding.A. Coverage for property loss assessment, for which

the insured may be liable, is not included in theforms.Coverage is available for an additional premiumfor all insured perils.Note: When coverage is desired for the peril ofEarthquake, refer to Rule 509 C. in the GeneralRules for policy writing and rating instructions.

B. Coverage may be written without Coverage A, B,C, D or E.

Use Endorsement DP 04 63 Loss Assessment PropertyCoverage.C. Premium:

1. Fire, E.C., Broad and Special Formsa. If the policy includes Cov. A, B, C, D or

E, refer to the state rate pages Rule 500 –Miscellaneous Rates.

b. If the policy does not include Cov. A, B,C, D, or E, multiply the Cov. A., 4Family, Owner Occupied Key premium(for the territory, protection andconstruction applying to the describedlocation) by the Cov. A Key Factor for theamount of insurance desired.


507. FIRE DEPARTMENT SERVICE CHARGE

Does not affect coding.The limit of $500 provided under the policy may beincreased subject to the rules and rates of the company.

508. TREES, SHRUBS AND OTHER PLANTS

Coding Note: When the policy does not includeCoverage A or C, use Exception Code 7; otherwiseAmount of Insurance Code should reflect the increasedexposure.A. DP 00 01

1. Coverage is not provided in this form.However, for an additional premium, coverageis available for all insured perils (subject to a$500 per item maximum).

2. Coverage may be written without Coverage A,B, C, D or E.

Use Endorsement DP 04 17 Trees, Shrubs andOther Plants.

B. DP 00 02 or DP 00 031. Up to 5% of the Cov. A limit is available in

the form (subject to a $500 per itemmaximum) for the specified perils asadditional insurance.

2. Windstorm or HailCoverage for Windstorm or Hail is availableup to 5% of Cov. A limit (subject to a $500 peritem maximum) for an additional premium.Use endorsement DP 04 18 Windstorm orHail.

C. Premium:1. Fire, E.C., Broad and Special Forms

Refer to the state rate pages Rule 5082. V&MM (DP 00 01)

Refer to the state rate pages Rule 302 –V&MM

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Rule 508



509. EARTHQUAKE COVERAGE

Coding Note: Code as separate Earthquake record bySubline Code 60 (460 if 150 character format).A. When added to the Fire policy, this peril shall

apply to the same coverages and for the same limitsthat apply to the peril of Fire.Use Endorsement DP 04 69 Earthquake Coverage

B. When a policy is written to cover only the peril ofEarthquake:1. Use form DP 00 01 (Actual Cash Value Loss

Settlement) or DP 00 02 (Replacement CostCoverage);

2. Refer to company for Endorsements; and3. Multiply the rates in this rule by a factor of

1.10.C. Loss Assessment Coverage

When the policy is extended to cover lossassessment resulting from loss by this peril, thelimit of liability shall be based on the insured’sproportionate interest in total value of allcollectively owned buildings and structures of thecorporation or association of property owners.Refer to company for rates.Use Endorsement DP 04 68 Loss AssessmentCoverage for Earthquake.

D. DeductibleThe base deductible is 5% of the limit of liabilityfor each coverage and is subject to a $250minimum. This deductible may be increased for apremium credit.The deductible applies separately to loss under thevarious coverages of the policy. If the limit ofliability on certain property is increased byendorsement, the total limit of liability is used todetermine the deductible.

E. Premium for Base DeductibleDevelop the premium as follows:1. From the state rate pages:

a. Determine the Earthquake Zoneb. Determine if Rate Table A, and/or B

appliesc. Select the rate according to construction

from the Rate Table; and

2. Multiply the rate determined above by the amounts ofinsurance for:

a. Coverages A, B, C, D & Eb. Improvements, Alterations and Additions

– Increased Limitsc. Other Building Coverage options (I. E.

Bldg. Items Coverage)d. Other Personal Property Coverage (I. E.

Merchandise in Storage)F. Premium for Higher Deductible

Multiply the base premium as determined above bythe appropriate factor below:

FactorDeductiblePercentage

Frame &Superior Masonry

10% .89 .9515% .78 .8920% .67 .8425% .56 .79

510. THEFT COVERAGE

A. A Fire policy insuring Coverages A or C may beextended, for an additional premium, to provideOn and Off-Premises Coverage for the perils ofTheft and Vandalism and Malicious Mischief(V&MM) resulting from theft.1. Owner Occupied Dwellings, Co-op or Condo

Units; and Apartments Occupied By Tenant(Named Insured).a. The policy may be extended to provide

On or Off-Premises Coverage.b. The minimum limit of liability is $1,000

each for On and Off-Premises Coverage.c. Off-Premises Coverage is only available

when On-Premises Coverage ispurchased.The limit of liability shall not be greaterthan that selected for On-PremisesCoverage

Use Endorsement DP 04 72 Broad TheftCoverage.

2. Non-Owner Occupied Dwellings, Co-op orCondo Units; and Apartments Occupied byTenant (Other Than Named Insured).a. The policy may be extended to provide

On-Premises Coverage only.b. The minimum limit of liability is $1,000Use Endorsement DP 04 73 Limited TheftCoverage.



510. THEFT COVERAGE (Cont’d)

B. PremiumRates are displayed in the state rate pages.Compute the premiums separately for eachpremises in the manner and sequence that follows:1. Theft and V&MM

a. Owner Occupied Dwellings, etc.Code as separate record with subline 41(441 if 150 character format) for On-Premises Only and subline 42 (442 if 150character format) for both On and Off-Premises Coverage.Compute the premiums for the desiredlimit of liability separately for On andOff-Premises Coverage.

b. Non-Owner Occupied Dwellings, etc.(On-Premises Only)Code as separate record with subline 41(441 if 150 character format)Multiply the On-Premises premium com-puted above by a factor of 1.50.

2. Burglar Alarm Discount (On-PremisesOnly)Does not affect coding.Approved and properly maintained installa-tions of burglar alarms in the dwelling may berecognized for a reduced premium – developedby applying the selected factors to thepremiums computed in B.1.a. or B.1.b above.Type of Installation* FactorCentral Station ReportingBurglar Alarm .95 to 1.00Policy Station ReportingBurglar Alarm .97 to 1.00Local Burglar Alarm .98*Refer to company for eligibility, types ofsystems and devices, installations andavailable credits.Use Endorsement DP 04 70 Premises Alarmor Fire Protection System.

511. SINKHOLE COLLAPSE COVERAGE

Does not affect coding.The policy may be extended, at an additional premium,to provide Sinkhole Collapse coverage.Refer to state rate pages.Use endorsement DP 04 99 Sinkhole Collapse.

512. WINDSTORM OR HAIL COVERAGE –AWNINGS, SIGNS & OUTDOOR RADIO ANDTELEVISION EQUIPMENT

Coding Note: When the policy does not includeCoverage A or C, use Exception Code 7; otherwiseAmount of Insurance Code should reflect the increasedexposure.The peril of Windstorm or Hail does not cover:A. Awnings, Signs and Outdoor Radio and Television

Equipment in DP 00 01 or DP 00 02;B. Outdoor Radio and Television Equipment in DP 00

03;whether or not attached to a Dwelling Building or OtherStructure.It may be covered for an additional premium. Refer tothe state rate pages.Use Endorsement DP 04 19 Windstorm or Hail, Radioand Television Antennas, Awnings and Signs.

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state rate pages.

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state rate pages.


INDEX

DP-I-1 1st Edition 6-89Copyright, Insurance Services Office, Inc., 1990

PAGE No. Rule No.Additional Coverages and Increased Limits……………………………………… DP-19 thru 23 -Additional Living Expense – Coverage E…………………………….………….. DP-19, 20 502Additions, Alterations and Improvements

(Tenants and Co-Op Unit-Owners)……………………………………. DP-20 504Adjusted Base Premium Computation…………………………………………… DP-15 thru 18 -Alarm Credits, Fire (See Protective Devices)……………………………………. DP-16-18 408Alterations, Additions and Improvements

(Tenants and Co-Op Unit-Owners)……………………………………. DP-20 504Automatic Increase in Insurance…………………………………………………. DP-16-18 407Automatic Sprinkler Credits (See Protective Devices)…………………………... DP-16-18 408Awnings, Signs and Outdoor Radio and Television Equipment

(See Windstorm or Hail)………………………………………………. DP-23 512

Base Premium Computation……………………………………………………… DP-11 301Building Additions and Alterations………………………………………………. DP-20 504Building Items – Condominium unit-Owner……...……………………………… DP-20,21 504

Changes or Cancellations……………………………………………….………... DP-7 202Condominium Unit-Owners, Building Items……………………………………. DP-20,21 505Construction Definitions………………………………………………………… DP-4-6 106Contingent Liability (See Ordinance or Law)……………………………………. DP-12-14 303Co-Op Unit-Owner – Improvements, Alterations and Additions……………….. DP-20 504Course of Construction (See Dwellings Under Construction)

Adjusted Base Premium Factors………………………………………. DP-15 403Coverage and Definitions………………………………………………………… DP-1 thru 6 -Coverage B – Other Structures

Blanket Coverage……………………………………………Specific Structure Coverage…………………………………Wind or Hail Coverage………………………………………Rented to Others……………………………………………..

DP-19DP-19DP-23DP-19

501.A.501.B.512501.C.

Coverage C – Personal Property – In Buildings Subject toCommercial Class Rates Or Specific Rates……………………………. DP-15 402

Coverage D – Fair Rental Value…………………………………………………. DP-19,20 502Coverage E – Additional Living Expense……………………………………….. DP-19,20 502Coverage Eligibility……………………………………………………..………..

Coverage A – Dwelling………………………………………………...Coverage A – Dwelling on a Mobile or Trailer Home…………………Coverage B – Other Structures…………………………………………Coverage C – Personal Property……………………………………….Coverage D – Fair Rental Value……………………………………….Coverage E – Additional Living Expense……………………………..

DP-3DP-3DP-3DP-3DP-3DP-3DP-3

103103.A.103.B.103.C.103.D.103.E.103.F.

Deductibles – (Basic & Optional)……………………………………………….. DP-16-18 406Deferred Premium Payment Plan (See Policy Period)…………………………... DP-7 201Demolition Costs Coverage (See Ordinance or Law)…………………………… DP-12-14 303Dwelling Under Construction

Adjusted Base Premium Factors………………………………………. DP-15 403

Earthquake………………………………………………………………. DP-22 509


INDEX


PAGE No. Rule No.Fair Rental Value – Coverage D…………………………………………………. DP-19,20 502Fire Alarm Credits (See Protective Devices)…………………………………….. DP-16-18 408Fire Department Service Charge…………………………………………………. DP-21 507Fire Protection System Credits (See Protective Devices)………….…………….. DP-16-18 408Fire Resistive (See Construction Definition)……………………………………..

Rating Rule (See Superior Construction)………………………………DP-4-6DP-15

106.D.401

Improvements, Alterations and Additions (Tenants and Co-Op Unit-Owners)… DP-20 504Incidental Occupancies, Permitted……………………………………………….

Coverage on Contents……………………………………….Offices, Schools or Studios………………………………….Merchandise in Storage……………………………………...Small Service Occupancies………………………………….

DP-12-14DP-12-14DP-12-14DP-12-14DP-12-14

304304304304304

Increased Cost of Construction (See Ordinance or Law)…………………...……. DP-12-14 303Inflation Guard Coverage (See Automatic Increase in Insurance)..…..…………. DP-16-18 407Installment Payment Plan (See Policy Period)…..……………………….………. DP-7 201Interpolation…………………………………………………………….………... DP-11 301

Key Premium/Key Factor Display (See Base Premium Computation)………….. DP-11 301

Loss Assessment Property Coverage……………………………………………... DP-21 506

Manual Premium Revision DP-7 203Masonry Non-Combustible Construction

(See Construction Definitions)…………………………………………Rating Factors (See Superior Construction)……………………………

DP-4-6DP-15

106401

Merchandise in Storage (See Permitted Incidental Occupancies)………………... DP-12-14 304Minimum Limits of Liability…………………………………………………….. DP-1 101Minimum Premium………………………………………………………………. DP-8-10 206Miscellaneous Rates…………………………………………………….………... DP-19 500Mobile or Trailer Homes…………………………………………………………. DP-15 404Multiple Locations……………………………………………………………….. DP-7 204Multiple Policies

(Same Property written in two or moreDwelling Policies in one or more companies)…………………………. DP-7 205

Non-Combustible Construction (See Construction Definitions)…………………Rating Factors – (See Superior Construction)……….…………………

DP-4-6DP-15

106.D.401

Ordinance or Law………………………………………………………………... DP-12-14 303Other Structures – Coverage B (Refer to “Coverage B” in this index)…..……… DP-19 501Outdoor Radio and Television Equipment, Awnings and Signs

(See Windstorm or Hail)……………………………………………… DP-23 512

Perils Insured Against…………………………………………………………… DP-2 102Permitted Incidental Occupancies……………………………………………….. DP-12-14 304

Personal Property – Coverage C In Buildings Subject to CommercialClass Rates or Specific Rates………………………………………….. DP-15 402

Plants, Shrubs and Trees…………………………………………………………. DP-21 508Policy Forms……………………………………………………………………… DP-1 101.A.Policy Period…………………………………...………………………………… DP-7 201Premium Payment Plan, Deferred (See Policy Period)………………………….. DP-7 201Premium Waiver………………………………………………………………….. DP-8-10 208Protection Classification Codes and Information………………………………… DP-3 104Protective Devices Credit DP-16-18 408

Rental Value – Coverage D………………………………………………………. DP-19,20 502Row House or Townhouse……………………………………………………….. DP-15,16 405


INDEX


PAGE No. Rule No.Seasonal Occupancy……………………………………………………………… DP-4-6 105Semi-Wind Resistive (See Superior Construction)………………………………. DP-15 401Servicing Type Rules…………………………………………………………….. DP-7 thru 10 -Shrubs, Trees and Plants…………………………………………………………. DP-21 508Signs, Outdoor Radio and Television Equipment, and Awnings

(See Windstorm or Hail).……………………………………………... DP-23 512Single Building Definition……………………………………………………….. DP-4-6 107Sinkhole Collapse………………………………………………………………… DP-23 511Smoke Detector Credits (See Protective Devices)……………………………….. DP-16-18 408Sprinkler Credits (See Protective Devices)………………………………………. DP-16-18 408Superior Construction (See Construction Definitions)……………………………

Rating Factors (See Superior Construction)……………..…………….DP-4-6DP-15

106.D.401

Tenants Improvements, Additions or Alterations………………………………... DP-20 504Theft……………………………………………………………………………… DP-22-,23 510Townhouse or Row House……………………………………………………….. DP-15 thru 18 405Trailer or Mobile Homes…………………………………………………………. DP-15 404Transfer or Assignment…………………………………………………………... DP-8-10 207Trees, Plants and Shrubs…………………………………………………………. DP-21 508

Vacant Dwellings (See V&MM).………………………………………………. DP-11 302Vandalism & Malicious Mischief………………………………………………... DP-11 302

Waiver of Premium………………………………………………………………. DP-8-10 208Whole Dollar Premium Rule..……………………………………………………. DP-8-10 209Wind Resistive (See Superior Construction)……………………………………... DP-15 401Windstorm or Hail………………………………………………………………... DP-23 512

DWELLING POLICY PROGRAM MANUAL MAINE (18) EXCEPTION PAGES

DP-E-1 4th Edition 12-02 Copyright, Insurance Services Office, Inc., 1990, 2002

EXCEPTION TO GENERAL RULES

104. PROTECTION CLASSIFICATION CODES ANDINFORMATION

Rule 104 is deleted and replaced by the following: A. Codes

Protection Class

Code

1 012 023 034 045 056 067 078 08

8B 199 09

10 10

B. Protection InformationThe Protection Class listings in the CommunityMitigation Classification Manual apply to risksinsured under Homeowners Program Policies.1. The protection class indicated applies in a

municipality or classified area where a singleclass of fire protection is available throughout(8, 7, 6, etc.). Exception, see 3. below.

2. In a classified area where two or moreclassifications are shown (e. g. 6/9), theclassification is determined as follows.Exception, see 3. below.

Distance to Fire Station Class a. 5 road miles or less with


*First protection class(e. g. 6/9…use Class 6)

b. 5 road miles or less withhydrant beyond 1,000 feet

9

c. Over 5 road miles 10

3. When an area is classified as 9 or 10 but theproperty insured is protected by a fire stationand/or public hydrant located in a differentmunicipality that is classified 1 through 8, ratethe property as follows:a. 5 road miles or less with


*Use protection of respondingfire station; if split class isshown, use first protection class

(e. g. 6/9…use Class 6) b. 5 road miles or less with

hydrant beyond 1,000 feet 9

c. Over 5 road miles 10

4. For Information regarding Class 8B, refer tothe Community Classification MitigationManual.

5. All other properties are Class 10

DWELLING POLICY PROGRAM MANUAL MAINE (18) EXCEPTION PAGES

DP-E-2 Rev 05-09 Copyright, Insurance Services Office, Inc., 1990, 2004, 2007, 2008

ADITIONAL RULE(S)

RULE A1. SPECIAL STATE REQUIREMENTS

A. Special Provisions Endorsements MED02Use this endorsement with all Dwelling Policies.

B. Cancellation and Non-Renewal EndorsementME D01Use this endorsement with policies:1. covering a 1 through 4 family dwelling

occupied in whole or part by the namedinsured; or

2. which do not include Coverages A or B.C. Cancellation and Non-Renewal Endorsement

DP 02 07Use this endorsement with policies covering a 1through 4 family dwelling not occupied in any partby the named insured.

D. Water Exclusion EndorsementUse Endorsement DF 16 09 with all DP 00 02policiesUse Endorsement DF 16 10 with all DP 00 01 andDP 00 03 policies

RULE A12 CONDITIONS CHARGES

A. DescriptionWhen any of the Conditions noted on the state ratepages exists in a Dwelling or Other Structure, theapplicable charge per $1,000 of insurance may beapplied to the Coverage A or C BASEPREMIUM and Coverage B Additional Premium.1. Heating:

Unsafe arrangement of heating devices,including chimneys, stovepipes, gas vents andfuel supply, etc.

2. Wiring: Unsafe or inadequate electric wiring,nonstandard extensions, overloading andoverusing, etc.

3. Conversion:Use of premises beyond designed occupancylimits, sub-division or conversion of originalliving spaces into multiple units withovercrowded occupancy, inadequate sanitaryfacilities and unsatisfactory arrangements ofcooking devices, etc.

4. Physical Condition:Building not in good repair, roof or chimneysdeteriorating, wood surfaces unpainted ordecaying and garages or porches not wellmaintained, etc.

5. Housekeeping:Open foundation or access to under-floorspace, yard, basement, hallways or attic notkept clean and free from rubbish and litter,etc.

6. Outside Fire Exposures:Extreme outside fire exposures not otherwiserecognized, for example, adjacent dwellings,apartments or other property in deterioratedcondition, brush exposures and rubbishaccumulation, etc.

7. Vacancy or Unoccupancy:Hazardous Conditions including vacancy orunoccupancy not otherwise surcharged.

B. ApplicabilityEach Condition does not necessarily apply to allperils covered in the policy. For example, if itinvolves a fire hazard, only the fire premium maybe increased; if an E.C. hazard is involved, theE.C., Broad or Special Form premium may beincreased.

C. Premium ComputationWhen any of the Conditions apply, submit to theinsuring company to determine the charge.

Status Code Owner-Occ. Non-Owner-Occ.

Seasonal 4 8Non-seasonal 2 6

DWELLING POLICY PROGRAM MANUAL MAINE (18)EXCEPTION PAGES

Includes copyrighted material of ISO Properties, Inc. 2001,With its permission

01/03 Addendum to Dwelling Policy Program Manual Edition 6-89

LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE

When the endorsement is attached to the policy, limited amounts of insurance are automatically provided as follows:

Dwelling Property - $10,000 to pay for loss to covered real or personal property, owned by an insured, that isdamaged by fungi or wet or dry rot, or bacteria on the described location. This Coverage applies only for the policyperiod in which the loss or costs occur. If more than one location is insured under this policy, enter the address ofsuch locations on this endorsement or the policy declarations. Limits may be increased to $25,000 or $50,000. Thelimit selected is entered on the coverage endorsements or the policy declarations.

Application of Limits of Liability – For Property Coverage, the $10,000 or the limit selected is the most coveragethat will be provided during the policy period regardless of the number of locations insured for Limited Fungi, WetOr Dry Rot, Or Bacteria Coverage or the number of claims made during the policy period.

PREMIUM – Basic Limits – There is no premium adjustment.Increased Limits – DP 00 01 $25,000 Charge $21.00

$50,000 Charge $34.00DP 00 02, 03 $25,000 Charge $51.00

$50,000 Charge $87.00

Use Limited Fungi, Wet Or Dry Rot, Or Bacteria Endorsement DP 04 22 04 02

DWELLING LIABILITY

When the endorsement is attached to the policy, limited amounts of insurance are automatically provided as follows:

Dwelling Liability - $50,000 to pay for damages because of bodily injury or property damage involving theinhalation of, ingestion of, contact with, exposure to, existence of , or presence of any fungi, wet or dry rot, orbacteria. Limits may be increased to $100,000. The limit selected is entered on the coverage endorsements or thepolicy declarations.

Application of Limits of Liability – For Liability Coverage, $50,000 or the limit selected is an aggregate limit andis the most coverage that will be provided during the policy period regardless of the number of persons injured, thenumber of persons whose property is damaged, the number of insureds, the number of locations insured under thispolicy or the number of bodily injury or property damage claims made.

PREMIUM – Basic Limits – There is no premium adjustmentIncreased Limit – $100,000 Charge $8.00

Use Limited Fungi, Wet Or Dry Rot, Or Bacteria Endorsement DL 24 71 04 02

DP-T-1 1st Edition 8-90Copyright, Insurance Services Office, Inc., 1990

DWELLING POLICY PROGRAM MANUALTERRITORY PAGE

1. TERRITORY DEFINITIONS – (For all Coverages andPerils Other Than Earthquake).A. Cities

City ofPortland

County ofCumberland

Code30

Other Than Cities CodeAndroscoggin 32Aroostook 02Cumberland 31Franklin 33Hancock 31Kennebec 32Knox 31Lincoln 31Oxford 33Penobscot 32Piscataquis 33Sagadahoc 31Somerset 33Waldo 31Washington 31York 31

DWELLING POLICY PROGRAM MANUAL MAINE (18) RATE PAGES

206. MINIMUM PREMIUM - paragraphs A., B., and C………………………….. $35.00

208. WAIVER OF PREMIUM - amount that may be waived……………………. $ 3.00

301. BASE PREMIUM COMPUTATION - Refer to the Key Premium /Key Factor Tables beginning on page R-4.

Coding instructions for the Forms, Coverages, Occupancies, Constructions and Limits of Liability containedin these tables follow:

Subline CodesFire…………………………………………………………………………… 10/410E.C. without V&MM…………………………………………………………. 21/421E.C. with V&MM…………………………………………………………….. 22/422Broad or Special Form:

Combined Premium Reporting……………………………………. 21/421Separate Premium Reporting:

E.C. premium component…………………………………. 21/421Remaining component……………………………………. 28/428

Form CodesForm DP 00 01……………………………………………………………… 1Form DP 00 02……………………………………………………………… 2Form DP 00 03……………………………………………………………… 3

Building & Contents CodesCovs. A & C on same policy - Cov. A……………………………………… 1

- Cov. C……………………………………….. 2Cov. A Only……………………………………………………………………. 3Cov. C Only……………………………………………………………………. 4

Occupancy "Status" CodesNon-Seasonal Seasonal

Owner Occupied 1 3Non-Owner Occupied 5 7

Number of Family Codes1 Family………………………………………………………………………… 12 Families……………………………………………………………………… 33 or 4 Families………………………………………………………………… 65 or more Families……………………………………………………………. 8

Construction CodesFrame…………………………………………………………………………… 1Masonry Veneer……………………………………………………………….. 2Masonry………………………………………………………………………… 3Aluminum or Plastic Siding………………………………………………….. 5

Limit of Liability Codes for Cov. A and C are recorded to the nearest $ 1,000, e.g., $ 10,400 = 010; $ 10,500= 011; $ 125,000 = 125; $998,500 & over = 999.

DP-R-1-3 1st Edition 8-90Includes copyrighted material of Insurance Services Office, Inc., withits permission.

Copyright, Insurance Services Office, Inc., 1990

MAINE (18) DWELLING POLICY PROGRAM MANUAL RATE PAGES

KEY FACTORS301. BASE PREMIUM COMPUTATION Limit of Limit of

Fire - Coverages A and C - All Forms Liab. Cov. Liab. Cov.Owner-Occupied - Non-Seasonal (000's) A (000's) C

KEY PREMIUMS $1 .310 $1 .35No. of Families 2 .346 2 .48

5 or 3 .382 3 .61 1 2 3 or 4 more 4 .419 4 .74

Prot Prem. 5 .455 5 .87Class Const. Group Cov. Cov. Cov. Cov. 6 .491 6 1.00

* No. A C A C A C C 7 .528 7 1.13Territories - All 8 .564 8 1.26

9 .600 9 1.39M 1 46 7 46 7 64 9 18 10 .637 10 1.52

1 - 4 F 4 58 9 58 9 81 11 22 11 .673 11 1.6512 .709 12 1.78

M 1 46 7 46 7 64 9 18 13 .746 13 1.915, 6 F 4 58 9 58 9 81 11 22 14 .782 14 2.04

15 .818 15 2.17M 1 46 7 46 7 64 9 18 16 .855 16 2.30

7, 8 F 5 81 13 81 13 113 16 31 18 .927 17 2.4320 1.000 18 2.56

M 2 75 12 75 12 105 15 29 22 1.033 19 2.698B, 9 F 6 93 14 93 14 130 18 35 24 1.065 20 2.82

26 1.098 21 2.95M 3 87 14 87 14 122 18 33 28 1.131 22 3.08

10 F 7 99 15 99 15 139 19 37 30 1.163 23 3.2132 1.196 24 3.3434 1.229 25 3.47

Rating Note 36 1.261 26 3.6038 1.294 27 3.73

SEASONAL DWELLINGS 40 1.327 28 3.86To develop the BASE PREMIUM, multiply the Non-Seasonal BASE PREMIUM 42 1.359 29 3.99by the factors noted below: 44 1.392 30 4.12Cov A. .65 Cov. C 1.00 46 1.425 31 4.25

48 1.457 32 4.38* M = Masonry, F = Frame, Masonry Veneer is rated as masonry, 50 1.490 33 4.51

Aluminum or plastic siding over frame is rated as frame. 55 1.570 34 4.6460 1.650 35 4.77

Use this limit of liability to develop premiums for policy amounts 65 1.730 36 4.90less than $ 1,000. 70 1.810 37 5.03

75 1.890 38 5.1680 1.970 39 5.2985 2.050 40 5.4290 2.130 41 5.5595 2.210 42 5.68

100 2.290 43 5.81105 2.370 44 5.94110 2.450 45 6.07115 2.530 46 6.20120 2.610 47 6.33125 2.690 48 6.46130 2.770 49 6.59135 2.850 50 6.72140 2.930145 3.010

EachAdd'l

$1000 .016 .13

DP-R-4-8 8th Edition 12-02Copyright, Insurance Services Office, Inc., 1991, 2002



Fire - Coverages A and C - All Forms Liab. Cov. Liab. Cov.Non-Owner-Occupied - Non-Seasonal (000's) A (000's) C

KEY PREMIUMS $1 .310 $1 .35No. of Families 2 .346 2 .48

5 or 3 .382 3 .61 1 2 3 or 4 more 4 .419 4 .74

Prot Prem. 5 .455 5 .87Class Const. Group Cov. Cov. Cov. Cov. 6 .491 6 1.00

* No. A C A C A C C 7 .528 7 1.13Territories - All 8 .564 8 1.26

9 .600 9 1.39M 1 60 7 60 7 84 9 18 10 .637 10 1.52

1 - 4 F 4 75 9 75 9 105 11 22 11 .673 11 1.6512 .709 12 1.78

M 1 60 7 60 7 84 9 18 13 .746 13 1.915, 6 F 4 75 9 75 9 105 11 22 14 .782 14 2.04

15 .818 15 2.17M 1 60 7 60 7 84 9 18 16 .855 16 2.30

7, 8 F 5 105 13 105 13 147 16 31 18 .927 17 2.4320 1.000 18 2.56

M 2 98 12 98 12 137 15 29 22 1.033 19 2.698B, 9 F 6 121 14 121 14 169 18 35 24 1.065 20 2.82

26 1.098 21 2.95M 3 113 14 113 14 158 18 33 28 1.131 22 3.08

10 F 7 129 15 129 15 181 19 37 30 1.163 23 3.2132 1.196 24 3.3434 1.229 25 3.47

Rating Note 36 1.261 26 3.6038 1.294 27 3.73

SEASONAL DWELLINGS 40 1.327 28 3.86To develop the BASE PREMIUM, multiply the Non-Seasonal BASE PREMIUM 42 1.359 29 3.99by the factors noted below: 44 1.392 30 4.12Cov A. .65 Cov. C 1.00 46 1.425 31 4.25

48 1.457 32 4.38* M = Masonry, F = Frame, Masonry Veneer is rated as masonry, 50 1.490 33 4.51

Aluminum or plastic siding over frame is rated as frame. 55 1.570 34 4.6460 1.650 35 4.77

Use this limit of liability to develop premiums for policy amounts 65 1.730 36 4.90less than $ 1,000. 70 1.810 37 5.03

75 1.890 38 5.1680 1.970 39 5.2985 2.050 40 5.4290 2.130 41 5.5595 2.210 42 5.68

100 2.290 43 5.81105 2.370 44 5.94110 2.450 45 6.07115 2.530 46 6.20120 2.610 47 6.33125 2.690 48 6.46130 2.770 49 6.59135 2.850 50 6.72140 2.930145 3.010

EachAdd'l

$1000 .016 .13

DP-R-9-13 8th Edition 12-02Copyright, Insurance Services Office, Inc., 1991, 2002



Extended Coverage, Broad and Special Forms - Liab. Cov. Liab. Cov.Coverages A and C (000's) A (000's) C

KEY PREMIUMS * $1 .566 $1 .17 Coverage A Coverage C 2 .588 2 .33

Prem. 3 .611 3 .50 Terr. Gr. Forms DP 00 Forms DP 00 4 .634 4 .67

No. 01 02 03 01 02&03 5 .657 5 .83 ALL 1 22 44 51 3 9 6 .680 6 1.00

7 .703 7 1.17*Rating Notes 8 .726 8 1.34

9 .749 9 1.50DP 00 01, Key Premiums are Non-Seasonal and Seasonal 10 .771 10 1.67

11 .794 11 1.84DP 00 02 and DP 00 03, Key Premiums are Non-Seasonal only and 12 .817 12 2.00include the charge of E.C. and V&MM perils. To develop the Seasonal 13 .840 13 2.17BASE PREMIUM, multiply the following factors by the DP 00 01 E. C. 14 .862 14 2.33BASE PREMIUM: 15 .885 15 2.50

16 .908 16 2.67Territories - All 18 .953 17 2.84DP 00 02 DP 00 03 20 1.000 18 3.00

Cov. A 2.45 2.70 22 1.046 19 3.17Cov. C 3.65 3.65 24 1.091 20 3.34

26 1.137 21 3.51 Use this limit of liability to develop premiums for policy amounts 28 1.182 22 3.67 less than $ 1,000. 30 1.228 23 3.84

32 1.273 24 4.0034 1.320 25 4.1736 1.365 26 4.3438 1.411 27 4.5140 1.456 28 4.6842 1.502 29 4.8544 1.547 30 5.0246 1.593 31 5.1948 1.639 32 5.3650 1.685 33 5.5355 1.800 34 5.7060 1.915 35 5.8765 2.030 36 6.0470 2.145 37 6.2175 2.260 38 6.3880 2.375 39 6.5585 2.490 40 6.7290 2.605 41 6.8995 2.720 42 7.06

100 2.835 43 7.23105 2.950 44 7.40110 3.065 45 7.57115 3.180 46 7.74120 3.295 47 7.91125 3.410 48 8.08130 3.525 49 8.25135 3.640 50 8.42140 3.755145 3.870

EachAdd'l

$1000 .023 .17

DP-R-14-18 2nd Edition 3-91Copyright, Insurance Services Office, Inc., 1991


302. VANDALISM & MALICIOUS MISCHIEF - 509. EARTHQUAKE COVERAGE(DP 00 01 - Rate per $ 1,000 E. 1. Premium for Base DeductibleNot seasonal or Vacant………………… $ .09 Base Deductible - Rate per $ 1,000Seasonal & Not Vacant………………… .43 Zone Frame+Masonry+SuperiorVacant……………………………………. 8.50 Table AIn Course of Construction………………. .09 Coverages A, B, D

or E Improvements,404. MOBILE OR TRAILER HOMES - (DP 00 01) etc. & Other

Multiply the Frame, One Family, Coverage A or Building Options 4 $ .23 $ 1.05 $ .39C BASE PREMIUM by $ 1.00 Table B

Coverage C & Other406. DEDUCTIBLES Personal Property

B. $ 100 Deductible - minimum additional Options 4 $ .23 $ .82 $ .23 charge……………………………….. $25.00

'+ If exterior Masonry Veneer is covered, rate500. MISCELLANEOUS RATES as Masonry; if not covered - rate as Frame.

The following rates per $ 1,000 apply to all oc- Zone Definitionscupancies, territories, construction and pro- Zone 4tection classifications, unless otherwise Entire Statespecified:Fire: Protection Class 1- 8……………… $ 2.03 510. THEFT COVERAGE - Rate per $ 1,000

8B, 9&10……………. $ 3.66 B. 1. a. On-PremisesExtended Coverage (DP 00 01)………. .96 Entire State ……………… $ 27.00Broad Form (DP 00 02)………………… 1.44 Off-PremisesSpecial Form (DP 00 03 or Endt. Entire State ……………… $ 38.00DP 04 65)………………………………… 1.91

504 IMPROVEMENTS, ALTERATIONS AND ADDITIONS 511. SINKHOLE COLLAPSE COVERAGE -Tenant and Co-op Unit Owner - Rate per $ 1,000DP 00 01 or DP 00 02 Cov. A or B…………………………. $ .30D.1.c. Additional rate per $ 1,000 of Cov. C………………………………. $ .10 insurance………………………….. $ 1.00

505. BUILDING ITEMS 512. WINDSTORM OR HAIL COVERAGE -Condo Unit-Owner - DP 00 01 or DP 00 02 Rate per $ 1,000C.1.c Additional rate per $ 1,000 of Outdoor Radio & insurance………………………….. $ 1.00 Awnings Signs TV Equipment

$30.00 $30.00 $30.00508 TREES, SHRUBS AND OTHER PLANTS

C.1. The following rates per $1,000 apply to alloccupancies, territories, construction andprotection classifications, unless otherwisespecified:Fire (DP 00 01)Protection Class 1- 8…………………… $ 2.50

8B, 9&10…………$ 4.50

Extended Coverage Windstorm or Hail (DP 00 01) (DP 00 02/03)

$22.00 $21.00

DP-R-19 8th Edition 12-02Copyright, Insurance Services Office, Inc., 1991, 2002


ADDITIONAL RULE

CONDITIONS CHARGES - Rate per $ 1,0001. Heating…………………………………………………… $ 1.002. Wiring……………………………………………………. 1.003. Conversion………………………………………………. 1.004. Physical Condition……………………………………… 1.005. Housekeeping…………………………………………… 1.006. Outside Fire Exposures……………………………….. 1.00 to 5.007. Hazardous Conditions…………………………………. 1.00 to 5.00

DP-R-20 1st Edition 8-90Copyright, Insurance Services Office, Inc., 1990

PERSONAL

LIABILITY

SUPPLEMENT

TO

THE

DWELLING

POLICY

PROGRAM

MANUAL

EDITION 6-89

PERSONAL LIABILITY SUPPLEMENT MAINE (18)TO THE DWELLING

POLICY PROGRAM MANUALEXCEPTION PAGES

DL-E-1 1st Edition 8-90Copyright, Insurance Services Office, Inc., 1990

EXCEPTIONS TO GENERAL RULES

NONE

SPECIAL STATE REQUIREMENTSAmendatory Endorsement DL 24 16Use this endorsement when Endorsement DL 24 01 isattached to a policy.

Special Provisions Endorsement DL 25 18Use this endorsement when Endorsement DL 24 01 isattached to a policy.

Special Provisions Endorsement DL 01 18Use this endorsement when Endorsement DL 24 02 isattached to a policy.

PERSONAL LIABILITY SUPPLEMENT TO THE DWELLINGPOLICY PROGRAM MANUAL

GENERAL RULES

DL-1 1st Edition 6-89Copyright, Insurance Services Office, Inc., 1988

INTRODUCTIONA Personal Liability Policy may be written with or separatefrom a Dwelling Policy.A. When written with a Dwelling Policy, use Personal

Liability Endorsement DL 24 01 and Personal LiabilitySchedule Endorsement DL 24 03.

B. When written separate from a Dwelling Policy, useAdditional Policy Conditions Endorsement DL 24 02,Personal Liability Endorsement DL 24 01 and thecompany Personal Liability Declaration page.

The following rules supplement the rules in the DwellingManual.Code as separate record with subline 80 (480 if 150character format).

SUPPLEMENT TO THE DWELLING GENERAL RULESThe dwelling Policy Program General Rules apply to thisSupplement except as follows:

101. COVERAGE AND LIMITS OF LIABILITY

A. Personal Liability (Coverage L) and MedicalPayments to Others (Coverage M) shall beprovided in all cases.

B. The minimum limits of liability required under thePersonal Liability Policy are as follows:Coverage L - $ 100,000 each occurrenceCoverage M - $ 1,000 each person

C. These limits may be increased for an additionalpremium

D. The same Coverage L and M limits of liabilityshall apply to all exposures.

102. EXPOSURES

A. Initial Residence Premises Occupied by Owner orApartment Occupied by Tenant (Named Insured),with or without a Permitted Incidental Occupancy.

B. Other Insured Locations Occupied by Owner orApartment Occupied by Tenant (Named Insured),with or without a Permitted Incidental Occupancy.

C. Other Insured Locations Not Occupied by Owner.When the initial residence premises is insured by:1. the same company insuring the other location,

use Endorsement DL 24 04 AdditionalResidence Rented to Others

2. another company, use Endorsement DL 24 11Premises Liability (Non-owner OccupiedDwelling).

D. Business PursuitsCoverage is available for certain classifications, aslisted in the state rate pages, for the liability of theinsured arising out of business activities.Coverage is not available for business pursuits ifthe insured owns the business, is a partner ormaintains financial control in the business.Use Endorsement DL 24 05 Business Pursuits forall classifications listed except classification g.Business Pursuits “not otherwise classified.”

E. Owned SnowmobilesSnowmobile coverage is available for an additionalpremiumUse Endorsement DL 24 07 Snowmobiles.

F. Watercraft1. Watercraft powered by an outboard motor, or

combination of outboard motors, of up to 25horsepower, or sailboats less than 26 feet withor without auxiliary power, are covered in thepolicy form

2. Coverage is available, for an additionalpremium, for the following”a. Watercraft up to 26 feet in length,

powered by(1) Outboard motors exceeding 25

horsepower(2) Inboard; or(3) Inboard-Outdrive motors.Accumulate total horsepower if two ormore motors are regularly used togetherwith any single watercraft owned byinsured.

b. Sailboats 26 feet or more in length, withor without auxiliary power.

Use Endorsement DL 24 06 Watercraft.G. Loss Assessment Liability

The policy may be extended at an additionalpremium, to cover liability loss assessments forwhich the insured may be liable. No more than 2locations can be written in addition to the initialresidence premises.Use Endorsement DL 24 14 Loss AssessmentLiability Coverage.

PERSONAL LIABILITY SUPPLEMENT TO THE DWELLINGPOLICY PROGRAM MANUAL

GENERAL RULES

DL-2 1st Edition 6-89Copyright, Insurance Services Office, Inc., 1988

103. ELIGIBILITY

G. Coverage pay be provided for:1. All insured locations occupied by the insured,

owner or tenant;2. Other locations not occupied by the owner.

H. If coverage is provided under G. l. above:1. It automatically includes coverage for

Employer’s liability. If, however, the policycovers more than two employees, an additionalpremium charge for Coverage M is required.

2. It may also be provided for all other exposureslisted in this supplement.

I. Additional InsuredsWhen coverage is provided in accordance with G.above, it may be extended to cover additionalinsureds, but only with respect to the insuredlocation. An additional insured is a person ororganization with interest in the insured location ora joint owner who does not occupy the insuredlocation.No Additional charge or coding is requiredUse Endorsement DL 24 10 Additional Insured.

204. MULTIPLE LOCATIONS

When a separate Personal Liability Policy is written,this rule in the Dwelling Policy Program Manual isreplaced by the following:A Personal Liability Policy may be issued to provideinsurance at more than one location, in one or morestates, under one policy when all policy provisions areequal.

205. MULTIPLE POLICIES

The following is added under paragraph A:When Fire or Fire and Allied Lines insurance is writtenon the same property under two or more DwellingPolicies in one or more companies, Personal LiabilityCoverage may only be written under one of theDwelling policies.

206. MINIMUM PREMIUM

When a separate Personal Liability Policy is written,paragraphs C. and D. are deleted and replaced by thefollowing:C. The minimum premium may include all chargeable

endorsements or coverages for Personal Liability ifwritten at inception of the policy.


Refer to the state rate pages for the premiums andfactors pertaining to basic and increased limits thatapply to the exposures listed in this supplement.

304. PERMITTED INCIDENTAL OCCUPANCIES

E. Coverage for business pursuits is excluded underthe Personal Liability Endorsement. If an owneroccupied initial residence premises or other insuredlocation contains a permitted incidental occupancywhich is operated by an insured, the policy may beextended, for an additional premium, to cover theexposure.1. Home Day Care Occupancy

Available only for Initial Residence Premises.Refer to company if the Day Care Businessinvolves the care of more than 3 persons, otherthan insureds.Use Endorsement DL 24 17 Home Day CareCoverage.

2. All Other OccupanciesAvailable for Initial Residence Premises orOther Insured LocationUse Endorsement DL 24 09 PermittedIncidental Occupancy.

EXCEPT FOR THE 200 SERIES RULES, ALL OTHERDWELLING POLICY PROGRAM GENERAL RULESNOT SPECIFICALLY REFERENCED DO NO APPLYTO THIS SUPPLEMENT

po11

factors

po11

premiums


POLICY PROGRAM MANUAL RATE PAGES

206. MINIMUM PREMIUM - paragraphs A., B., and C………………………….. $35.00

208. WAIVER OF PREMIUM - amount that may be waived……………………. $ 3.00


A. Basic Limits (Coverage L - $100,000/Coverage M - $1,000)

- NUMBER OF FAMILIES -

1 2 3 4

1. Initial Residence Premises - Premium Per Location -Occupied by Owner or ApartmentOccupied by Tenant (Named Insured)*a. No Business Occupancy

Class Code 201 202 203 204Premium $ 34 $ 41 $ 119 $ 136

b. Permitted Incidental Occupancy(1) Home Day Care


(2) All OtherClass Code 211 212 213 214Premium $ 49 $ 56 $ 134 $ 151

2. Other Insured Locations - Premium Per Location -Occupied by Owner or ApartmentOccupied by Tenant (Named Insured)*a. No Business Occupancy


b. Permitted Incidental OccupancyClass Code 231 232 233 234Premium $ 22 $ 28 $ 78 $ 91

3. Other Insured LocationsNot Occupied by Owner 271 271 272 272

Class Code $ 42 $ 64 $ 178 $ 186Premium

*Rate and Code as 1 Family.

DL-R-1 1st Edition 8-90Includes copyrighted material of Insurance Services Office, Inc., withits permission.

Copyright, Insurance Services Office, Inc., 1990

MAINE (18) PERSONAL LIABILITY SUPPLEMENTTO THE DWELLING


301. BASE PREMIUM COMPUTATION (Cont'd)

4. Business Pursuits

PremiumClassification Per Person Class Codea. Clerical Office Employees………………………………. $ 4 901b. Salesmen, Collectors or

Messengers includinginstallation, demonstratingor servicing………………………………………………… 6 911

c. Salesmen, Collectors orMessengers excludinginstallation, demonstratingor servicing………………………………………………… 4 921

d. Teachers - laboratory,manual training, athleticand physical training……………………………………… 11 931

e. Teachers - not otherwiseclassified…………………………………………………… 5 951

f. Teachers - corporalpunishment - add to d. or e………………………………. 4 941 *

g. Business Pursuits not otherwise classified………….. Refer to Co. 961*Code as an additional record.

5. Employers LiabilityMedical Payments in excess of 2 employees -Per person……………………………………………………. 4 992

6. Owned SnowmobilesPer snowmobile……………………………………………… 66 771This charge is the minimum annual premium for each snowmobilefor any period within a policy year.

7. Watercrafta. Outboard, Inboard or Inboard-Outdrive Motors

LengthUp To 15 Feet Over 15 to 26 Feet

Horsepower Premium Class Code Premium Class Code(1) Up to 50 $36 780 $56 785(2) 51 - 100 61 781 81 786(3)101 - 150 86 782 106 787(4)151 - 200 Refer to Co. 783 131 788(5) Over 200 Refer to Co. 784 Refer to Co. 789

b. Sailboats With or Without Auxiliary Power

Length/Feet Premium Class Code(1) 26 - 40 $36 763(2) Over 40 Refer to Company 764

DL-R-2 1st Edition 8-90Copyright, Insurance Services Office, Inc., 1990



301. BASE PREMIUM COMPUTATION (Cont'd)

8. Loss Assessment Liability Coverage - Rate per $ 1,000

Each location……………………… $ 1.00Does not affect coding.

B. Increased Limits1. Personal Liability

Apply the following factors to the basic limits premiums:

Limit OfLiability Factor Code

$200,000 1.17 4 300,000 1.33 5 400,000 1.43 6 500,000 1.49 7

Over 500,000 Refer to Co. 8

2. Medical Payments to Others

Does not affect codingFor each additional $ 1,000 or coverage, add as noted below:a. Initial Residence Premises…………….$ 3b. Other Insured Locations……………….$ 1c. Additional Coverages

Limits may be increased in $ 1,000 increments as shown below:Class Code $2,000 $3,000 $4,000 $5,000

763 $ 3 $ 6 $ 9 $ 11764 Refer to company771 Refer to company

780 3 6 9 11781 4 8 12 14782 6 12 18 21

783 Refer to company784 Refer to company785 4 8 12 14

786 6 12 18 21787 8 16 24 28788 12 24 36 42

769 Refer to company901 1 2 3 4911 1 2 3 4

921 1 2 3 4931 2 4 6 7941 No Medical Payments Available

951 1 2 3 4961 Refer to company992 1 2 3 4

For limits above $5,000, refer to company.

DL-R-3 1st Edition 8-90Copyright, Insurance Services Office, Inc., 1990

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