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FARMERS MUTUAL INSURANCE COMPANY
HOMEOWNERS
PROGRAM
WEST VIRGINIA
FARMERS MUTUAL INSURANCE COMPANY HOMEOWNERS PROGRAM
UNDERWRITING RULES
1. Binding Authority A. You may bind coverage for any risk meeting the underwriting rules
outlined in the manual. Maximum coverage “A” amount may not exceed $300,000.
B. Premium payments on canceled policies cannot be accepted without
prior approval from an underwriter. A signed statement of no loss is required to reinstate a policy.
C. Minimum Coverage:
Form 1 $30,000 Form 2 $40,000 Form 3 $75,000 Form 4 $10,000
2. Structure
A. Foundation Form 1 Pier with skirting/underpinning Form 2 & 3 Continuous solid masonry
B. Heating
Form 1 Space heaters Form 2 Floor furnace & circulating heat acceptable up to $60,000 Form 3 Central heat (thermostatically controlled & vented in each
room) 25 years old or less
C. Roof Form 1 & 2 Shingle, Metal or Slate Form 3 Shingle or Metal 25 years old or less
Rev. 5/14 HO-Und-1
D. Occupancy Form 1 & 2 One & two family acceptable Form 3 One family only
E. Plumbing Form 1 Galvanized Form 2 & 3 Copper or Plastic
F. Dwelling
Dwellings under construction or complete renovation: Must be written under the dwelling fire program Owner occupied hybrid homes (mobile homes w/room additions): Must be written under the mobile home program. If they are tenant or seasonally occupied they must be written under the dwelling fire program. Townhomes: Acceptable if fire division separates each unit. The fire division can be a masonry wall of an approved dead air space.
G. Electric
Form 1 Fuse Form 2 Breaker Form 3 Breaker, 25 years old or less
Rev. 5/14 HO-Und-2
3. Risk Criteria A. Mailed applications: completed with signatures, payment & photos of all
insured structures. On line applications: all screens completed with payment information & photos. Signatures are to be retained in agent’s office.
B. When extending liability to other structures photos are required.
C. When individuals are co-habitating, all individuals should be listed on the
policy as named insured’s.
D. Farmer’s comprehensive liability is mandatory for properties in excess of 5 acres whether in one or more tract of land & whether farming is done or not. Additional premium is required for each separate tract of land. Use the ML29 endorsement & describe the location of each additional/separate tract.
E. A handrail is required on all sets of steps &/or porches that are 4 or more
risers high. In ground pools must be fenced & locked. Above ground pools must be enclosed with railing, gated & locked or fenced.
F. Mortgagee’s: No more than 2 per policy
G. Dwellings in “estate” must be written under the dwelling fire program
Rev. 5/14 HO-Und-3
4. Wood Stove Guidelines A. Wood stoves vented into a metal UL approved triple or double wall
insulated chimney acceptable.
B. Wood stoves vented into a fireplace must have the vent pipe extended to the top of the chimney.
C. Wood stoves vented into a chimney located on or within an external
wall must be built from the ground up & have a tile or metal liner.
D. A completed wood stove questionnaire & photo of the wood stove must accompany the application.
5. Unacceptable risks/exposures
A. Dwellings using a wood stove or kerosene space heaters as sole source of heat.
B. Vacant or unoccupied dwellings. We do not write student housing.
C. Mobile homes or hybrid dwellings
D. Vicious dogs, including any dog that has bitten previously or any risk
with a: Rottweiler, Pit Bull, Chow, Doberman Pinscher, German Shepherd, Akita or any mix of these.
E. Trampolines, broken steps, missing handrails or unfenced pools.
F. Applicants who have been canceled, non-renewed or declined by
another company in the past 5 years.
G. Applicants who have had a total loss or theft claim, check with underwriting
H. Structures originally constructed for occupancies other than residential
purposes Rev. 5/14 HO-Und-4
FARMERS MUTUAL INSURANCE COMPANY PREFERRED MOBILE HOMEOWNERS PROGRAM (MH3)
UNDERWRITING RULES
1. Eligibility A. 15 model years or less B. Limit of Insurance:
New – Current & 3 prior year models can be written at purchase price with a copy of the bill of sale
Others – NADA book value plus additions, porches, decks, skirting, foundation
Additions: Porches (w/roof) $15 per sq. ft. Decks $10 per sq. ft. Rooms $30 per sq. ft.
C. Maximum coverage A limit cannot exceed $175,000.
D. Factory installed fireplaces acceptable with no surcharge applied. Wood
stoves are prohibited.
E. Foundation
Solid continuous block (or)
Block pier on concrete pads & enclosed with skirting
2. Property & Liability Coverage’s Refer to the Homeowners Manual for forms, endorsements & rates
Rev. 5/14 PMH-Und-1
3. Risk Criteria
A. Mailed applications: completed with signatures, payment & photos of all insured structures. On line applications: all screens completed with payment information & photos. Signatures are to be retained in agent’s office.
B. When extending liability to other structures photos are required.
C. When individuals are co-habitating, all individuals should be listed on
the policy as named insured’s.
D. Farmer’s comprehensive liability is mandatory for properties in excess of 5 acres whether in one or more tract of land & whether farming is done or not. Additional premium is required for each separate tract of land. Use the ML29 endorsement & describe the location of each additional/separate tract.
E. A handrail is required on all sets of steps &/or porches that are 4 or
more risers high. In ground pools must be fenced & locked. Above ground pools must be enclosed with railing, gated & locked or fenced.
F. Mortgagee’s: No more than 2 per policy
G. Dwellings in “estate” must be written under the dwelling fire program
Rev 5/14 PMH-Und-2
4. Unacceptable risks/exposures A. Wood stove or kerosene space heat as sole source of heat B. Vacant, unoccupied dwellings or student housing
C. Vicious dogs, including any dog that has bitten previously or any risk
with a: Rottweiler, Pit Bull, Chow, Doberman Pinscher, German Shepherd, Akita or any mix of these.
D. Trampolines, broken steps, missing handrails or unfenced pools.
E. Applicants who have been canceled, non-renewed or declined by
another company in the past 5 years.
F. Applicants who have had a total loss or theft claim, check with underwriting
G. Structures originally constructed for occupancies other than residential
purposes
Rev 5/14 PMH-Und-3
FARMERS MUTUAL INSURANCE COMPANY AMERICAN ASSOCIATION OF INSURANCE SERVICES
EXPANDED COVERAGE PROGRAM
FORMS AND ENDORSEMENTS
WEST VIRGINIA HOMEOWNERS
REV 11-13 HO - Expanded Coverage - 1 AAIS
BOOKLET FORMS Form- 1 2.0 Basic Form Form- 2 2.0 Broad Form Form- 3 2.0 Special Form Form- 4 2.0 Contents Broad Form MANDATORY ENDORSEMENTS CL 0317 05 05 Flood Coverage Notice – West Virginia CL 0334 10 07 Coal Mine Subsidence Coverage Part – Non Dwelling CL 0335 10 07 Coal Mine Subsidence Coverage Part-Dwelling GL- 781 6-86 Care Provided for Others – A Business Activity
ML- 126 4-82 West Virginia Loss Payment Endorsement ML- 147 1.0 Punitive Damage Exclusion ML- 223 6.0 Lead Liability Exclusion ML- 435 1.0 Pollution Liability Exclusions ML- 483 2.0 Calendar Date or Time Failure Exclusion ML- 503 2.0 Amendatory Endorsement - Farm Exposure Exclusion ML- 504 2.1 Amendment of Policy Terms – Exclusion of Motorized Vehicles ML 0527 09 04 Limited Coverage for Injury or Damage Arising from a Dog ML 0528 02 04 All-Terrain Vehicle Exclusion ML 0689 10 03 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage ML 5500 09 13 Amended Vandalism or Malicious Mischief Exclusion (Controlled Substance Exclusion) OTHER ENDORSEMENTS ML- 15 1.0 Actual Cash Value ML- 29 2.0 Farm Liability Coverage ML- 30 1.0 Incidental Property Coverages - Higher Limits ML- 41 1.0 Additional Insured ML- 42 1.0 Office, Professional, Private School or Studio Occupancy ML- 44 1.0 Change Endorsement ML- 46 1.0 Personal Injury ML- 48 1.0 Related Private Structures ML- 50 1.0 Loss Assessment Coverage ML- 53 2.0 Earthquake Loss Assessment ML- 54 2.0 Earthquake Coverage ML- 55 2.0 Replacement Value Loss Settlement Terms ML- 61 1.0 Scheduled Personal Property Coverage ML- 61A 1.0 Scheduled Personal Property Coverage - Schedule ML- 65 2.0 Coverage C - Higher Limits on Certain Property ML- 68 1.0 Scheduled Glass ML- 70 2.0 Additional Residential Premises Rented to Others - Liability Coverage Only ML- 71 1.0 Business Activities ML- 75 1.0 Watercraft
FARMERS MUTUAL INSURANCE COMPANY AMERICAN ASSOCIATION OF INSURANCE SERVICES
EXPANDED COVERAGE PROGRAM
FORMS AND ENDORSEMENTS
WEST VIRGINIA HOMEOWNERS
REV 11-13 HO - Expanded Coverage - 2 AAIS
ML- 151 2.0 Increased Coverage A Limit - No Private Structures ML- 164 2.0 Snowmobile - Liability Coverage Only ML- 170 2.0 Computer Coverage ML- 176 1.0 Rating Information ML- 178 1.0 Insurance by More Than One Company ML- 208 3.0 Water Damage - Sewers, Drains and Sumps
OTHER ENDORSEMENTS ML- 209 1.0 Waterbed Liability ML- 216 2.0 Premises Alarm or Fire Protection System ML- 257 2.0 Ordinance or Law ML- 311 1.0 Employer's Liability - Farm Employees ML- 320 1.0 Incidental Farming ML- 337 1.0 Animal Collision ML- 420 1.0 Debris Removal ML- 421 1.0 Accidental Discharge or Overflow Coverage - Water-Filled Furniture ML- 422 1.0 Dwelling Under Construction - Theft ML- 431 1.0 Golf Cart Liability Coverage
REV 13.0 AAIS Includes copyrighted material with permission of American Association of Insurance Services
FARMERS MUTUAL INSURANCE COMPANY AMERICAN ASSOCIATION OF INSURANCE SERVICES
HOMEOWNERS MANUAL
WEST VIRGINIA This manual contains rules, definitions, rating information, and a listing of forms and endorsements filed and approved for the Homeowners Program in this state. Any special rules, definitions, rating information, forms, or endorsements filed by or on behalf of the Company apply in lieu of those referred to in this manual. Refer to the Company for homeowners coverages not available through this manual.
TABLE OF CONTENTS RULES Eligibility Program Description Policywriting Instructions Premium Determination Deductibles Premium Modifications Optional Coverages Property Coverages Liability Coverages Farm Coverages -- Liability DEFINITIONS Construction Definitions Fire Protection Definitions Territorial Definitions RATING INFORMATION Basic Policy Rating Information Rating Information for Optional Coverages
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REV 13.0 Index - i AAIS
INDEX
Rules Page Accidental Discharge -- Water-filled Furniture.........................23 Actual Cash Value.......................................................................15 Additional Interests......................................................................10 Alarm Systems ............................................................................17 Animal Collision...........................................................................29 Assignment ..................................................................................11 Basic Limits ................................................................................... 8 Burglary Alarm Credit .................................................................17 Business Activities......................................................................32 Business Property.......................................................................24 Calculation of Premium ..............................................................14 Cancellation.................................................................................11 Care Provided For Others Liability .............................................................................34 Property............................................................................22 Changes in Limits .......................................................................15 Coal Mine Subsidence...............................................................13 Computers ...................................................................................25 Conditional Endorsements.........................................................13 Construction Definitions ........................................................Def-1 Contributing Insurance................................................................11 Co-owner Occupancy................................................................... 2 Coverages (Basic) and Amounts (Minimum)............................. 8 Coverage B -- Extension of Coverage A..................................12 Coverage C Increased Limits ..............................................................21 Credit Card and Depositors Forgery........................................25 Debris Removal -- Expanded ....................................................18 Deductibles..................................................................................16 Definitions Construction................................................................Def-1 Fire Protection............................................................Def-2 Territorial Definitions..................................................Def-2
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REV 13.0 Index - ii AAIS
Rules Page Domestic Employees .................................................................30 Dwellings Under Construction Eligibility............................................................................. 3 Theft Coverage................................................................21 Earthquake...................................................................................20 Electronic Devices ......................................................................24 Eligibility......................................................................................... 1 Endorsements .............................................................................10 Farm Coverage Options.............................................................36 Farm Personal Liability...............................................................36 Fire Alarm Credit.........................................................................17 Fire Department Service Charge..............................................26 Fire Protection Definitions ....................................................Def-2 Golf Carts Property............................................................................28 Guns ...........................................................................................23 Inception Time ............................................................................... 9 Incidental Farming.......................................................................36 Ineligible Risks............................................................................... 3 Interpolation..................................................................................12 Individual Risk Premium Modification.......................................19 Jewelry, Watches, and Furs.......................................................23 Liability Coverage Options Farm .................................................................................36 Personal...........................................................................30 Loss Assessment........................................................................27 Loss Settlement Provisions ......................................................... 5 Mid-Term Changes.....................................................................15 Minimum Premium ......................................................................10
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REV 13.0 Index - iii AAIS
Rules Page Modified Loss Settlement Terms ..............................................15 Money and Securities .................................................................23 Office, Professional, Private School, or Studio Occupancy..................................................................33 Ordinance or Law -- Expanded..................................................17 Package Policy Requirements .................................................... 8 Perils Insured Against................................................................... 6 Personal Injury..............................................................................34 Policy Term.................................................................................... 9 Policywriting Instructions............................................................... 9 Preferred Mobile Homeowners ............ Und. Guide Supplement Premium Determination .............................................................14 Premium Modifications......................................................17 & 19 Premium Rounding .....................................................................12 Principal Coverages Liability ............................................................................... 7 Property.............................................................................. 4 Private Structures Extension of Coverage A ...............................................12 Optional Coverages........................................................21 Program Description .................................................................... 4 Property Coverage Options .......................................................20 Protective Devices......................................................................17 Refrigerated Food Spoilage......................................................25 Replacement Value -- Coverage C...........................................18 Restriction of Coverage..............................................................11 Scheduled Glass.........................................................................27 Scheduled Personal Property....................................................26 Silverware, Goldware, and Pewterware ...................................24 Smoke Detectors ........................................................................17 Snowmobiles ...............................................................................33 Sprinkler Systems.......................................................................17
FARMERS MUTUAL INSURANCE COMPANY AMERICAN ASSOCIATION OF INSURANCE SERVICES
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REV 13.0 Index - iv AAIS
Rules Page Tenant's Improvements...............................................................25 Tenant's Personal Property -- Special Coverage....................15 Territorial Definitions..............................................................Def-3 Townhouses.................................................... Und. Guide Page 2 Transfer of Policy.........................................................................11 Vandalism....................................................................................20 Waiver of Premium .....................................................................12 Water Damage -- Sewers, Drains, and Sumps.......................27 Waterbed Liability.......................................................................31 Watercraft.....................................................................................34
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REV 13.0 RULES - 1 AAIS
RULE 1 -- ELIGIBILITY 1.1 Owner Occupied A policy may be issued to an owner-occupant of a dwelling used only
for private residential purposes, except as permitted in Rule 1.5, and occupied by no more than two families and no more than two boarders or roomers per family.
Use Form 1, 2, or 3. 1.1.1 Preferred Mobile Homeowners Program (Doublewide
Mobile Homes) Refer to Rule 1.1. Use form 3 only and attach ML-15. 1.2 Tenant Occupied A policy may be issued to the tenant (non-owner) of a dwelling or
apartment if the residence occupied by the insured is used only for residential purposes, except as permitted in Rule 1.5, and is occupied by no more than one additional family or two boarders or roomers.
Use Form 4. 1.3 Unit-Owners This rule does not apply.
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REV 13.0 Rules - 2 AAIS
1.4 Co-owner Occupancy A policy may be issued to one of the co-owners of a two family
dwelling provided each co-owner occupies a separate apartment within the dwelling. The dwelling must be used only for private residential purposes, except as permitted in Rule 1.5. Coverage for the other co-owner's interest in the dwelling and related private structures and for premises liability may be provided by endorsement ML-41.
Use Form 1, 2, or 3. A Form 4 policy providing coverage for personal property, additional
living costs, and personal liability may be issued to the other co-owner(s).
1.5 Incidental Business Occupancies An insured may engage in certain business activities on the insured
premises without affecting the eligibility status, provided that the premises is occupied principally for private residential purposes. Refer to the company for eligible business occupancies.
1.6 Other Occupancies At the option of the company, a policy may be issued to: -- an occupant of a dwelling under a life estate arrangement; or -- an occupant of a dwelling who is purchasing the dwelling
under a long-term contract. The seller, who retains title until the contract is satisfied, must not act as mortgagee.
The dwelling must be used only for private residential purposes,
except as permitted in Rule 1.5, and must be occupied by no more than two families and no more than two boarders or roomers per family.
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REV 13.0 Rules - 3 AAIS
Coverage for the owner's/seller's interest in the dwelling and related private structures and for premises liability may be provided by endorsement ML-41.
Use Form 1, 2 or 3. 1.7 Dwellings Under Construction A policy may be issued to cover the interest of the intended owner-
occupant of a dwelling under construction. The dwelling must be intended to be used only for private residential purposes, except as permitted in Rule 1.5, and occupied by no more than two families and no more than two boarders or roomers per family. Refer to the company for additional guidelines.
Use Form 1, 2, or 3. 1.8 Seasonal Dwellings This rule does not apply. 1.9 Ineligible Risks The following are ineligible for coverage under this manual: -- Mobile homes, trailer homes, or house trailers, whether or not
set on foundations or otherwise made stationary. This does not apply to the Preferred Mobile Homeowners Program.
-- Property to which farm forms or rates apply, except as
permitted in Rules 7.26 and 9.
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REV 13.0 Rules - 4 AAIS
RULE 2 -- PROGRAM DESCRIPTION The following is a general description of the coverages provided by the homeowners policy forms. The policy forms state the complete conditions. 2.1 Policy Forms The following forms are used to provide homeowners coverage. Form 1 -- Basic Form Form 2 -- Broad Form Form 3 -- Special Form Form 4 -- Contents Broad Form 2.2 Principal Property Coverages (Mandatory) Forms 1, 2, and 3 provide all of the principal coverages described
below. Form 4 includes only Coverages C and D. 2.2.1 Coverage A -- Residence Coverage A covers the residence on the insured premises,
including additions and built-in components. 2.2.2 Coverage B -- Related Private Structures Coverage B covers unattached structures on the insured
premises that are related to the residence, other than structures used for business purposes. Coverage also applies to fences, driveways, sidewalks, and other permanently installed outdoor fixtures on the insured premises.
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2.2.3 Coverage C – Personal Property Coverage C covers personal property owned by or in the care of an insured. Coverage for an insured’s personal property usually at a residence other than the insured premises is limited to 10% of the coverage C limit.
2.2.4 Coverage D – Additional Living Costs & Loss of Rent
Coverage D covers increased living costs & loss of rent or fair rental value that occur when an insured loss makes the insured premises unfit for use.
2.3 Loss Settlement 2.3.1 Coverage A & B
Forms 1 & 2: Buildings must be covered on an actual cash value basis. Attach endorsement ML-15 & establish the limit for Coverage A on an actual cash value basis. Form 3: Claims are settled based on replacement cost loss settlement terms for buildings covered under Coverage A & B. Preferred Mobile Homeowners Program: The mobile home & all other structures are covered on an actual cash value basis.
2.3.2 Coverage C
Loss to property covered under Coverage C is settled on an actual cash value basis.
REV 10/13 Rules – 5 AAIS
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REV 13.0 Rules - 6 AAIS
2.4 Perils Insured Against Forms 1 and 2 insure property covered under Coverages A, B, and C
and the related costs covered under Coverage D against risks of direct physical loss by the perils indicated below.
Perils Covered Form 1 Form 2 Fire or Lightning X X Windstorm or Hail X X Explosion X X Riot or Civil Commotion X X Aircraft X X Vehicles X X Smoke X X Sinkhole Collapse X X Volcanic Action X X Vandalism X X Theft X X Falling Objects X Weight of Ice, Snow, or Sleet X Sudden and Accidental Tearing Apart, Burning, or Bulging X Accidental Discharge of Liquids or SteamX Freezing X Sudden and Accidental Damage from Electrical Currents X Form 3 insures property covered under Coverages A and B and the
related costs covered under Coverage D against all risks of direct physical loss, with certain exceptions. Property covered under Coverage C is insured against risks of direct physical loss by the perils shown for Form 2.
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REV 13.0 Rules - 7 AAIS
Form 4 insures property covered under Coverage C, the insured's interest in building improvements and betterments, and the related costs covered under Coverage D against risks of direct physical loss by the perils shown for Form 2.
2.5 Principal Liability Coverages (Mandatory) Coverage L -- Personal Liability -- Coverage L pays on behalf of
the insured for damages due to bodily injury or property damage caused by an occurrence related to the insured premises or the insured's personal activities.
Coverage M -- Medical Payments to Others -- Coverage M pays
medical expenses incurred by persons who are not insureds if bodily injury occurs in connection with the insured premises or the insured's personal activities.
Coverages L and M can be omitted when contributing insurance
applies or when the policy is written to cover an additional or secondary location. See Rules 3.9 and 10.
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HOMEOWNERS MANUAL
2.6 BASIC LIMITS The following basic limits apply to the coverage’s provided by the homeowner’s policy: Property Coverage Form 1 Form 2 Form 3 Form 4 Residence $30,000 $40,000 $75,000 $10,000 Private Structures -----------------10% of limit on residence----------------------- Personal Property ----------50% of limit on residence---------- $10,000 Additional Living Costs & loss of rent ---------20% of limit on residence----------- 20% of limit on Personal property Liability Coverage All Forms Coverage L $50,000 per occurrence Coverage M $ 1,000 per person, $25,000 per accident Rev 11/11 Rules-8 AAIS
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REV 13.0 Rules - 9 AAIS
RULE 3 -- POLICYWRITING INSTRUCTIONS 3.1 Inception Time The policy may be issued to take effect at 12:01 A.M. Show the inception time on the declarations. 3.2 Policy Term 3.2.1 Annual Rating information for annual policies is shown in this manual.
Policies may not be written for terms of less than one year except as specified in the rules shown below. It is permissible to extend a policy for successive annual terms by extension certificate using the rating information, forms, and endorsements in effect on the renewal date.
3.2.2 Three-Year Prepaid This rule does not apply. 3.2.3 Three-Year Deferred This rule does not apply. 3.2.4 Less Than One Year A policy may be written for a term of less than one year in
order to maintain common anniversary dates with other policies.
3.2.5 Renewal Plan This rule does not apply.
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3.3 Minimum Premium A minimum annual premium charge applies to each policy. The minimum annual premium for Form 1, 2 & 3 is $100. For Form 4 is $50.
3.4 Endorsements Information called for as entries on endorsements can instead be shown on the declarations or A supplemental schedule 3.5 Additional Interests
A homeowners policy can be endorsed to cover the interests of co-owners, executors, administrators, trustees or beneficiaries in the insured premises or the interests of other residents of the insured premises.
3.5.1 Interests in Coverages A & B & Premises Liability – Forms 1, 2 & 3
A policy can be endorsed to cover the insurable interests of others in the covered property & their liability arising out of the insured premises. ENDORSEMENT ML-41 Make entries to show the location of the premises, the names & addresses of the additional insured’s & the extent of their interests
3.5.2 Residents of the Household “THIS RULE DOES NOT APPLY’ 3.5.3 Landlords “THIS RULE DOES NOT APPLY’ Rev 1/12 Rules-10 AAIS
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REV 13.0 Rules - 11 AAIS
3.6 Transfer or Assignment A policy can not be endorsed to effect: -- transfer to another location within the same state; or -- assignment from one insured to another in the event of
transfer of title of the dwelling. 3.7 Restriction of Coverage If a policy would not be issued because of unusual exposures, the
applicant may request a restriction of coverage at no reduction of premium. The request, signed by the applicant, must be referred to the company.
3.8 Cancellation or Changes in Limits or Coverages Policies must be canceled in accordance with the terms of all
applicable cancellation provisions. Mandatory coverages may not be canceled unless the entire policy is
canceled. If a policy is canceled or the limits are reduced, the amount of any
return premium due is calculated on a pro rata basis, subject to any minimum premium requirement.
3.9 Contributing Insurance Coverage under the property section of the policy can be divided
between two or more companies. -- All policies must contain the same deductible. -- All additional limits and coverages that apply to the property
coverages must be divided between the companies. Coverage for scheduled personal property can be shared at the option of the companies.
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REV 13.0 Rules - 12 AAIS
-- All liability coverage must be assumed entirely by one of the companies. Subtract the liability credit shown in this manual from the total premium and divide the remaining premium between the companies. The company assuming the liability coverage adds to their premium the liability amount that was subtracted as well as any premium for additional liability limits and/or coverages.
-- All policies must include the policy number and company
names and must identify the company providing the liability coverage.
Attach endorsement ML-178 and make the necessary entries. 3.10 Extension of Coverage A -- No Private Structures -- Forms 1, 2, and 3 If the combined replacement cost of all covered related private
structures does not exceed $1,000, an amount equal to the Coverage B limit may be added to the Coverage A limit for no additional premium charge.
Attach endorsement ML-151. 3.11 Waiver of Premium An additional or return premium due when a policy is endorsed after
its inception may be waived, however, return premiums must be refunded at the request of the insured. Refer to the company for the amount that may be waived.
3.12 Premium Rounding Premiums shown on the declarations may be rounded. Refer to the
company for rounding procedures. 3.13 Interpolation Rating information for a limit that is between two limits shown in this
manual can be developed by interpolation.
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3.14 Conditional Endorsements 3.14.1 Coal Mine Subsidence Coverage
Unless waived by the insured, coverage for loss caused by mine subsidence must be provided for structures located in certain counties in this state. In all other counties, coverage for loss to structures caused by mine subsidence must be provided at the request of the insured. Use the rating information shown in this manual. Attach endorsement CL0334
Rev 3/17 Rules – 13 AAIS
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REV 13.0 Rules - 14 AAIS
RULE 4 -- PREMIUM DETERMINATION The basic policy rating information shown in this manual contemplates the property and liability coverages described in Rule 2. Unless liability coverage is deleted, coverage for the following liability exposures is required if they exist: -- all domestic employees of an insured not covered or not required to
be covered by Workers' Compensation Insurance; -- all additional or secondary residence premises where an insured
maintains a residence, other than business or farm properties; and -- incidental office, professional, private school, or studio occupancies
by an insured on residential premises of an insured. Use the rating information shown in this manual. 4.1 Calculation of Premium The premium is computed as follows: Step 1 -- Determine the basic policy premium based on the amount of
Coverage A or Coverage C, as applicable, using the basic policy rating information shown in this manual.
Step 2 -- Adjust the basic policy premium to reflect the desired
deductible. Step 3 -- Adjust the result of Step 2 by any applicable premium
modification factors. Step 4 -- Add the result of Step 3 to the charges for any other
mandatory or optional property or liability coverages that apply.
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REV 13.0 Rules - 15 AAIS
4.2 Modified Loss Settlement Terms -- Coverages A and B -- Forms 1, 2, and 3
This rule does not apply. 4.3 Tenant's Personal Property -- Special Coverage This rule does not apply. 4.4 Unit-Owner's Personal Property -- Special Coverage This rule does not apply. 4.5 Changes in Limits or Addition of Coverages Policy limits may be increased or coverages added during the policy
term. Compute the additional premium due on a pro rata basis using the same forms, endorsements, rules, and rating information in effect when the current policy premiums were calculated.
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REV 1/03 Rules - 16 AAIS
RULE 5 -- DEDUCTIBLES A deductible amount is subtracted from all covered property losses, except those losses covered by the following Incidental Property Coverages: Emergency Removal; Fire Department Service Charge; Credit Card, Forgery, and Counterfeit Money; Grave Markers; Loss Assessment; Refrigerated Food Spoilage; and, if applicable, Lock and Garage Door Transmitter Replacement. The deductible amount is subtracted only once per occurrence at each location, regardless of the number of covered items affected. 5.1 Flat Deductibles -- All Perils The policy may be issued with a single deductible amount that applies
to all perils. The following flat deductible options are available: Deductible Amount
$ 500 1,000 2,500 Use the factors shown in this manual to adjust the premium and show
the deductible amount on the declarations. 5.2 $250 Theft Deductible for Coverage C -- Forms 1, 2, 3, and 4 This rule does not apply. 5.3 Higher Windstorm or Hail Deductibles -- Forms 1, 2, 3, 5, and 8 This rule does not apply.
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RULE 6 -- PREMIUM MODIFICATIONS 6.1 Protective Devices Use the protective device factors shown in this manual to adjust the
premium for the installation of the following approved and properly maintained alarm and/or sprinkler systems:
-- Central Station Burglary and/or Fire Alarms -- Fire Department and/or Police Department Alarms -- Local Alarms, including smoke and/or gas detection -- Sprinkler Systems Attach endorsement ML-216. 6.2 Fire Resistive and Specifically Rated Buildings This rule does not apply. 6.3 Row and Townhouses This rule does not apply. 6.4 Expanded Ordinance or Law Coverage - Forms 1, 2, and 3
(Form 4 -- See Rule 7.17) The limitation that applies to the incidental coverage for ordinance or
law (25% of the limit that applies to damaged property) can be removed. When the limitation is removed, the limit that applies to covered property includes coverage for the increased cost which results from the enforcement of a code, ordinance, or law which regulates the use, construction, repair, demolition, or removal of property following a covered loss. If the covered loss plus the increased cost is more than the applicable limit, an extra 10% of the applicable limit is available to cover the increased cost.
Use the factor shown in this manual to adjust the premium. Attach endorsement ML-257.
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6.5 Replacement Value -- Personal Property The loss settlement provisions that apply to personal property and
various miscellaneous items can be converted from actual cash value coverage to replacement cost coverage. When this option is selected, the personal property limit may not be reduced below the limit specified in Rule 2.6. Use the factors shown in this manual to adjust the premium. Minimum limit for Coverage A is $35,000. And for Form 4, minimum limit for Coverage C is $6,000.
Attach endorsement ML-55. 6.6 Automatic Adjustment of Limits -- Forms 1, 2, 3, 5, and 8 This rule does not apply. 6.7 Expanded Debris Removal Coverage -- Forms 1, 2, and 3 The limitation that applies to the incidental coverage for debris
removal (25% of the limit that applies to the damaged property) can be removed. When the limitation is removed, the limit that applies to covered property includes coverage for the cost of removing the debris of that property following a covered loss. If the covered loss plus the cost of debris removal is more than the applicable limit, an extra 5% of the applicable limit is available to cover debris removal.
Use the factor shown in this manual to adjust the premium. Attach endorsement ML-420.
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6.8 Individual Risk Premium Modifications This rule is to be applied to recognize special characteristics of the
risk that are not fully reflected in the rates. Underwriter discretion (submit to company for review) -40% to +40%
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RULE 7 -- OPTIONAL PROPERTY COVERAGES 7.1 Vandalism -- Form 8 Only This rule does not apply. 7.2 Earthquake Coverage for direct physical loss caused by earthquake can be
added. Coverage for exterior masonry veneer is optional. A special deductible provision applies to loss caused by earthquake.
Forms 1, 2, and 3 -- Apply the rating information shown in this manual
to the Coverage A limit shown on the declarations. If the limit that applies to property covered under Coverage C has been increased (including any increase from the attachment of endorsement ML-55), apply the applicable earthquake rating information to the increased amount(s). If any of the optional endorsements for private structures (ML-42, ML-48, or ML-157) are attached, apply the applicable earthquake rating information to the limit shown on the endorsement for each private structure.
Form 4 -- Apply the rating information shown in this manual to the
Coverage C limit shown on the declarations. If the limit that applies to property covered under the incidental coverage for tenant's improvements has been increased, apply the applicable earthquake rating information to the increased amount(s).
For all forms, attach endorsement ML-54. If coverage is provided for
exterior masonry veneer, make an entry to show that the masonry veneer exclusion does not apply.
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7.3 Dwelling Under Construction -- Theft Coverage can be provided for theft or attempted theft in or to a
residence being built or a newly constructed residence before it is occupied. Coverage also applies to theft of materials and supplies used in construction of the residence. Use the rating information shown in this manual.
Attach endorsement ML-422 and make an entry to show the limit that
applies. 7.4 Private Structures -- Forms 1, 2, and 3 7.4.1 Increased Limit An additional amount of insurance can be provided for
specific private structures that are covered under Coverage B. Use the rating information shown in this manual. Attach endorsement ML-48 and make entries to describe the
covered structures and show the additional amount of coverage that applies to each structure.
7.4.2 Rented to Others This rule does not apply. 7.4.3 With Incidental Occupancies Coverage for private structures on the described premises
with an office, professional, private school, or studio occupancy can be provided. Use the rating information shown in this manual.
Attach endorsement ML-42 and make entries to describe the
business, describe the covered structures, and show the amount of coverage that applies to each structure.
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7.4.4 Care Provided For Others Coverage for private structures on the described premises
used in conjunction with providing care for others can be added if liability coverage for the care of others also applies. Use the rating information shown in this manual.
Attach endorsement ML-157 and make entries to describe
the covered structures and show the amount of coverage that applies to each structure.
7.4.5 Away From Premises -- Coverage B Extension This rule does not apply. 7.4.6 Away From Premises -- Specifically Scheduled
Structures This rule does not apply. 7.5 Personal Property 7.5.1 Increased Limit -- Forms 1, 2, and 3 The Coverage C limit can be increased. Use the rating
information shown in this manual. Show the Coverage C limit on the declarations. 7.5.2 Reduced Limit -- Forms 1, 2, 3, 5, and 8 This rule does not apply. 7.5.3 In Residences Occasionally Rented (Not applicable to
Form 4 with ML-430, Form 5, Form 6 with ML-429, or Form 8)
This rule does not apply. 7.5.4 In Units Regularly Rented to Others -- Form 6 only (Not
applicable if ML-429 is attached) This rule does not apply.
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7.6 Accidental Discharge -- Water-filled Furniture Coverage can be provided for direct physical loss to covered property
caused by the accidental discharge or overflow of liquids from water-filled furniture. Use the rating information shown in this manual.
Attach endorsement ML-421. 7.7 Money and Securities The special limits under Coverage C that apply to loss to money,
securities, and related items can be increased. Use the rating information shown in this manual.
Attach endorsement ML-65 and make entries to show the amount of
each increase and the total limits that apply. 7.8 Unscheduled Jewelry, Watches, and Furs -- Forms 1, 2, 3, and 4 The special limit under Coverage C that applies to loss to
unscheduled jewelry, watches, and furs can be increased. Use the rating information shown in this manual.
Attach endorsement ML-65 and make an entry to show the amount of
the increase and the total limit that applies. 7.9 Guns -- Forms 1, 2, 3, and 4 The special limit under Coverage C that applies to loss to guns can
be increased. Use the rating information shown in this manual. Attach endorsement ML-65 and make an entry to show the amount of
the increase and the total limit that applies.
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7.10 Silverware, Goldware, and Pewterware -- Forms 1, 2, 3, and 4 The special limit under Coverage C that applies to loss to silverware,
goldware, and pewterware can be increased. Use the rating information shown in this manual.
Attach endorsement ML-65 and make an entry to show the amount of
the increase and the total limit that applies. 7.11 Business Property The special limit under Coverage C for loss to personal property used
for business purposes while on the insured premises can be increased. Use the rating information shown in this manual.
The special limit that applies to personal property used for business
purposes while away from the insured premises is automatically increased to 10% of the total limit that applies to personal property used for business purposes while on the insured premises.
Attach endorsement ML-65 and make an entry to show the amount of
the increase and the total limit that applies. 7.12 Electronic Devices The special limit under Coverage C that applies to loss to electronic
devices, accessories, and antennas that can be operated from the electrical system of a motorized vehicle or watercraft and other sources of power can be increased. Use the rating information shown in this manual.
Attach endorsement ML-65 and make an entry to show the amount of
the increase and the total limit that applies.
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7.13 Computers Coverage for computer data processing equipment and software can
be provided for all risks of direct physical loss, with certain exceptions. Use the rating information shown in this manual.
Attach endorsement ML-170 and make entries to describe the
covered property and show the limits that apply. 7.14 Refrigerated Food Spoilage The limit that applies to the incidental coverage for refrigerated food
spoilage can be increased. Use the rating information shown in this manual.
Attach endorsement ML-30 and make an entry to show the amount of
the increase and the total limit that applies. 7.15 Additional Living Costs and Loss of Rent This rule does not apply. 7.16 Credit Cards and Depositors Forgery The limit that applies to the incidental coverage for loss by forgery or
alteration of credit cards, checks or drafts, or acceptance of counterfeit paper currency can be increased. Use the rating information shown in this manual.
Attach endorsement ML-30 and make an entry to show the amount of
the increase and the total limit that applies. 7.17 Tenant's Improvements -- Form 4 only The limit that applies to the incidental coverage for tenant's
improvements (10% of the Coverage C limit) can be increased. Use the rating information shown in this manual.
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When establishing the limit for tenant's improvements, consider that the limit includes coverage for the increased cost which results from the enforcement of a code, ordinance, or law which regulates the use, construction, repair, demolition, or removal of property following a covered loss.
Attach endorsement ML-30 and make an entry to show the amount of
the increase and the total limit that applies. 7.18 Fire Department Service Charge The limit that applies to the incidental coverage for fire department
service charges can be increased. Use the rating information shown in this manual.
Attach endorsement ML-30 and make an entry to show the amount of
the increase and the total limit that applies. 7.19 Scheduled Personal Property Coverage for scheduled personal property can be provided against
all risks of direct physical loss, with certain exceptions. New items over $2,000 require a Bill of Sale. Items over one year old and over $2,000 require a current appraisal. Any scheduled personal property item over $5,000 requires company approval to bind. Use the rating information shown in this manual.
Attach endorsements ML-61 and ML-61A and make entries to
describe the covered property and show the limits that apply. 7.19.1 Scheduled Recreational Motor Vehicles Coverage for recreational motor vehicles can be provided for
direct physical loss caused by any of the Coverage C perils. Use the rating information shown in the State Rate Pages.
Describe the covered recreational motor vehicles on
Endorsement ML-504 and make entries to show the limits that apply.
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7.20 Scheduled Glass -- Forms 1, 2, and 3 Coverage for scheduled glass that is part of a building covered under
Coverages A or B can be provided against all risks of direct physical loss, with certain exceptions. Use the rating information provided by the company.
Attach endorsement ML-68 and make entries to describe the covered
glass and show the limits that apply. 7.21 Water Damage -- Sewers, Drains, and Sumps Coverage for direct physical loss caused by water that backs up
through sewers or drains or overflows from a sump can be added for property covered under Coverages A, B, and C. A $250 deductible applies, and coverage is limited to $5,000. Use the rating information shown in this manual.
Attach endorsement ML-208. 7.22 Loss Assessment 7.22.1 Increased Limit -- Described Location The limit that applies to the incidental property and liability
coverages for loss assessment arising out of the described location can be increased. Coverage for assessments resulting from a deductible in the insurance purchased by the association is limited to $1,500. Use the rating information shown in this manual.
Attach endorsement ML-50 and make entries to show the
amount of the increase and the total limit.
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7.22.2 Additional Locations The incidental property and liability coverages for loss
assessment can be extended to apply to additional locations owned or rented by an insured. A specific limit applies at each additional location. Use the rating information shown in this manual.
Attach endorsement ML-50 and make entries to show the
location and amount of coverage that applies for each premises.
7.22.3 Earthquake Coverage for loss assessment arising from direct loss to
property caused by earthquake can be added. Use the rating information shown for Rule 7.2 in this manual.
Attach endorsement ML-53. 7.23 Coverage A Options -- Form 6 only This rule does not apply. 7.24 Golf Carts Coverage for direct physical loss to specified golf carts caused by a
Coverage C peril or collision or overturn can be added. Use the rating information shown in this manual.
Attach endorsement ML-431 and make entries to describe the
covered property and show the limit that applies. 7.25 Expanded Replacement Cost -- Forms 1, 2, 3, and 5 (Not
applicable if ML-15 is attached) This rule does not apply.
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7.26 Animal Collision (Applicable only if ML-29 or ML-320 is attached)
Coverage for loss by death to cattle, horses, mules, donkeys, hogs,
sheep, or goats owned by the insured can be added to policies that include coverage for liability arising out of farming activities. Loss must occur while the animal is on a public road and must be caused or made necessary by collision between the animal and a vehicle not owned or operated by an insured.
Use the rating information shown in this manual. Attach endorsement ML-337.
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RULE 8 -- OPTIONAL LIABILITY COVERAGES All mandatory and optional liability coverages must be written at the same limit, except as noted in Rule 8.15. 8.1 Increased Limits -- Coverages L and M The limits for Coverages L and M can be increased. Use the rating
information shown in this manual. 8.2 Reduced Coverage L Limit This rule does not apply. 8.3 Reduced Coverage M Limit This rule does not apply. 8.4 Three and Four Family Dwellings -- Forms 1, 2, 3, 5, and 8 This rule does not apply. 8.5 Domestic Employees Coverage for liability arising out of injuries sustained by domestic
employees of an insured not covered or not required to be covered by Workers' Compensation Insurance is included under the liability section of the policy. A charge is required for each domestic employee in excess of two, except:
-- employees working less than half of the customary full time; or -- employees to whom the policy's Coverage L exclusion for
bodily injury to persons covered or required to be covered by workers' compensation insurance applies.
Use the rating information shown in this manual. Make an entry on the declarations to show the number of domestic
employees.
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8.6 Additional Residence Premises -- Occupied by an Insured Coverage for liability arising out of all additional or secondary
residence premises where an insured maintains a residence, other than business or farm properties, is required. Use the rating information shown in this manual.
Make entries on the declarations to show the locations of all
additional and secondary residence premises to which the liability coverages apply.
8.7 Additional Residence Premises -- Rented to Others Coverage for liability arising out of additional one to four family
dwellings owned by the insured and rented or held for rental to others can be added. Use the rating information shown in this manual.
Attach endorsement ML-70 and make entries to show the location(s)
of the covered premises and to indicate the number of families at each premises.
8.8 Private Structures -- Rented to Others This rule does not apply. 8.9 Waterbed Liability -- Form 4 Coverage for liability for property damage arising out of the ownership
or use of a waterbed on the insured premises can be added. Use the rating information shown in this manual.
Attach endorsement ML-209.
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8.10 Business Activities -- Business Not Owned by the Insured Coverage for liability arising out of an insured's business activities,
other than activities related to a business of which the insured is sole owner or a partner, can be added. Use the rating information shown in this manual.
Eligible business activities are classified as shown below. Make the
appropriate charge for each covered person. Classifications: 8.10.1 Clerical Office Employees Engaged wholly in office work and having no other duty in or
about the employer's premises. 8.10.2 Salespersons, Collectors, or Messengers No installation, demonstration, or service operations. 8.10.3 Salespersons, Collectors, or Messengers Including installation, demonstration, or service operations. 8.10.4 Teachers Athletic, laboratory, manual training, physical training, or
swimming instruction, excluding coverage for liability arising out of the corporal punishment of pupils.
8.10.5 Teachers Not otherwise classified, excluding coverage for liability
arising out of the corporal punishment of pupils. 8.10.6 Teachers Coverage for liability arising out of the corporal punishment of
pupils. The additional premium for this classification must be added to the premium for classifications 8.10.4 or 8.10.5.
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Refer to the company for occupations not classified. Attach endorsement ML-71 and make entries to show the names of
the covered persons and the covered business activities. If applicable, make an entry to show that coverage for liability arising out of the corporal punishment of pupils is included.
8.11 Office, Professional, Private School, or Studio Occupancy Coverage for liability arising out of an incidental office, professional,
private school, or studio occupancy in the residence, in a related private structure on the insured premises, or at an additional residence premises occupied by the insured can be added when:
-- the premises are occupied principally for residential
purposes; -- the business is conducted by an insured; and -- there is no other business conducted on the premises. Use the rating information shown in this manual. Attach endorsement ML-42 and make entries to describe the
business and its location. 8.12 Owned Snowmobiles -- Off Premises Coverage for liability arising out of the off-premises use of
snowmobiles owned by an insured who resides in the named insured's household can be added. A separate charge applies for each covered snowmobile. Use the rating information shown in this manual.
Attach endorsement ML-164 and make entries to describe each
covered snowmobile.
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8.13 Watercraft Coverage for liability arising out of the use of certain types of
watercraft can be added. Use the rating information shown in this manual.
For rating purposes, combine the horsepower of all outboard motors
used together with any single watercraft owned by the insured. Classify sailboats that are 26 to 40 feet (inclusive) in length and are
equipped with auxiliary power as inboard motor boats. Attach endorsement ML-75 and make entries to describe each
covered watercraft. 8.14 Personal Injury -- Forms 1, 2, 3, and 4 Personal liability coverage can be extended to include coverage for
personal injury. Personal injury means damages for which the insured is liable arising out of offenses such as false arrest, libel, slander, and invasion of privacy of another. Use the rating information shown in this manual.
Attach endorsement ML-46. 8.15 Care Provided For Others Coverage for liability arising out of care provided by an insured for up
to three persons on the insured premises as a business activity can be added. Use the rating information shown in this manual. The rating information shown reflects an annual aggregate limit that is equal to the Coverage L limit.
Attach endorsement ML-157 and make entries to describe the
location of the business and show the annual aggregate limit.
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8.16 Golf Cart Liability Coverage This rule does not apply. 8.17 Motorized Vehicle Liability Coverage This rule does not apply.
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RULE 9 -- OPTIONAL FARM COVERAGES -- LIABILITY All mandatory and optional liability coverages must be written at the same limit. 9.1 Incidental Farming When farming is not the business of the insured, coverage for liability
arising out of an insured's incidental farming activities on or away from the insured premises can be added. Incidental farming includes activities such as the farming of garden plots and the grazing of small numbers of animals. Use the rating information shown in this manual.
Attach endorsement ML-320 and make an entry to show the location
of the farming activities. 9.2 Farm Personal Liability Coverage for liability arising out of farm premises located away from
the insured premises can be added. The eligibility of the following risks must be determined by the
company: -- farms where business activities other than farming are
conducted; -- farms where horses are raised, boarded, or maintained; -- vacant or unoccupied farms; -- farms that are operated to supply agricultural commodities for
manufacturing or processing by the insured for sale to others; -- farms involving the retail sale of farm products or farms that
permit the picking of fruits or vegetables by the public; and
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-- incorporated farms. Use the rating information shown in this manual. Charges must be
made for the initial farm exposure and for each additional farm premises owned by or rented to an insured.
Attach endorsement ML-29. 9.2.1 Initial Farm Exposure This includes: -- the initial farm premises, which is the largest parcel of
farm land with outbuildings(s), whether owned and operated by an insured, owned by an insured and rented to others, or rented to an insured; and
-- all additional farm premises without outbuildings
maintained by an insured and used in conjunction with the above, including any otherwise unclassified vacant farm land.
Any dwellings located on the farm premises and owned by or
rented to an insured are to be rated as additional residence premises.
9.2.2 Each Additional Farm Premises This includes any additional farm premises with
outbuildings(s), whether owned and operated by the insured, owned by the insured and rented to others, or rented to the insured. It also includes all vacant farm land used in conjunction with it.
Any dwellings located on additional farm premises and
owned by or rented to an insured are to be rated as additional residence premises.
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9.3 Employer's Liability -- Farm Employees (Applicable only if ML-29 is attached)
Liability and medical payments coverage for injuries sustained by
farm employees during the course of their employment can be added to policies that include farm personal liability coverage. Use the rating information shown in this manual.
Attach endorsement ML-311 and make entries to show the rating
basis and premium. 9.4 Custom Farming (Applicable only if ML-29 attached) This rule does not apply. 9.5 Fruit or Vegetable "Pick Your Own" Operations (Applicable
only if ML-29 is attached) This rule does not apply. 9.6 Horse Boarding (Applicable only if ML-29 is attached) This rule does not apply. 9.7 Farm Chemical Limited Liability (Applicable only if ML-29 and a
pollution exclusion endorsement are attached) This rule does not apply. 9.8 Crop Dusting (Applicable only if ML-29 is attached) This rule does not apply. 9.9 Products Aggregate Limit (Applicable only if ML-29 is attached) This rule does not apply.
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RULE 10 -- ADDITIONAL AND SECONDARY LOCATIONS This rule does not apply.
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CONSTRUCTION DEFINITIONS Masonry A building with walls of masonry veneered construction is to be classified as Masonry. Frame A building with walls of frame, or metal-sheathed or stuccoed frame construction, or with walls of metal or metal lath and plaster on combustible supports is to be classified as Frame. Mixed Construction A building is to be classed as Frame when the wall area of frame construction (including gables) exceeds 33-1/3% of the total wall area.
FARMERS MUTUAL INSURANCE COMPANY WV HOMEOWNERS & PREFERRED MOBILE HOMEOWNERS
TERRITORIAL DEFINITIONS
Territory 1 Territory 2 Territory 3 Territory 4 Boone Brooke Cabell Lincoln Braxton Barbour Fayette Logan Berkeley Clay Nicholas McDowell Calhoun Gilmer Kanawha Mercer Doddridge Hancock Summers Mingo Grant Harrison Webster Wayne Greenbrier Marshall Wyoming Hampshire Mason Hardy Monroe Jackson Ohio Jefferson Putnam Lewis Raleigh Marion Roane Mineral Tyler Monongalia Wetzel Morgan Pendleton Pleasants Pocahontas Preston Randolph Ritchie Tucker Taylor Upshur Wirt Wood
PROTECTION CLASS PROCEDURES
CLASS 1-7 Protection class established throughout a specified area 8 Five miles or less from a fire dept & a hydrant within 1,000 feet 9 Five miles or less from a fire dept & a hydrant more than 1,000 feet 10 Over five miles from a fire dept Rev 11/11 DEF-2 FMIC
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
1Form 1Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 3 3 3 4 4 4 4 4Add'l
15,000 181 176 249 200 327 241 386 293
16,000 182 177 252 202 330 243 390 297
17,000 184 181 253 204 334 246 393 300
18,000 185 182 255 205 335 248 395 303
19,000 187 184 256 207 339 252 398 306
20,000 188 185 258 209 343 253 402 309
21,000 189 187 259 211 344 255 405 311
22,000 190 188 260 212 347 256 409 314
23,000 194 189 261 216 350 259 410 317
24,000 199 190 267 217 354 260 414 319
25,000 200 192 268 219 355 261 420 320
26,000 202 194 271 220 359 267 424 324
27,000 204 199 272 223 362 271 426 329
28,000 205 200 275 224 364 272 427 330
29,000 207 202 276 225 368 275 430 334
30,000 209 204 278 226 371 276 433 338
31,000 211 205 280 228 374 278 438 342
32,000 212 207 283 231 378 280 441 343
33,000 214 209 285 235 379 284 442 346
34,000 216 211 287 237 385 285 445 347
35,000 217 212 288 238 389 287 450 353
36,000 219 214 290 240 391 288 456 354
37,000 220 216 293 241 395 291 459 358
38,000 223 216 296 244 397 293 462 359
39,000 224 217 300 246 400 297 465 362
40,000 225 219 302 248 403 300 471 364
41,000 226 220 303 249 406 302 473 368
42,000 228 223 306 252 409 306 476 371
43,000 231 224 309 253 413 307 483 373
44,000 235 225 311 255 414 311 488 377
45,000 237 226 312 256 420 312 491 379
46,000 238 228 314 258 424 314 495 382
47,000 240 231 318 259 426 317 497 386
48,000 241 235 319 261 427 319 498 389
49,000 243 237 323 267 430 320 501 391
50,000 244 238 324 268 433 323 506 393
55,000 253 246 338 276 450 334 527 409
60,000 260 255 347 285 465 346 542 425
65,000 275 268 366 300 489 362 568 442
70,000 287 280 382 317 510 379 598 464
75,000 300 290 400 329 533 397 621 485
80,000 317 309 424 347 563 421 658 510
85,000 334 324 444 364 594 441 692 539
90,000 350 342 465 382 625 464 728 567
95,000 368 358 491 402 654 489 764 594
100,000 385 373 510 421 704 508 799 619
01/01/2005Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
2Form 1Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 3 3 3 3 6 4 6 4Add'l
25,000 204 189 273 235 390 314 454 386
26,000 205 190 276 237 393 319 457 390
27,000 207 192 278 238 397 323 461 393
28,000 209 197 283 240 398 329 464 395
29,000 211 199 284 241 402 331 471 398
30,000 212 200 287 243 405 338 473 402
31,000 214 202 290 244 409 339 476 405
32,000 216 204 293 246 413 343 479 409
33,000 217 205 297 248 415 344 488 410
34,000 219 207 302 249 421 347 491 414
35,000 220 209 306 252 425 350 495 420
36,000 223 211 307 253 427 353 497 424
37,000 224 212 311 255 430 355 500 426
38,000 225 214 312 258 432 358 506 429
39,000 226 216 317 259 436 361 508 432
40,000 228 217 318 260 439 362 513 436
41,000 231 219 319 261 442 366 516 439
42,000 234 220 323 267 445 368 521 442
43,000 237 223 324 271 450 371 527 445
44,000 238 224 329 272 456 373 530 450
45,000 240 225 330 273 459 377 532 456
46,000 241 226 331 275 461 378 535 459
47,000 243 228 335 276 464 382 542 461
48,000 244 234 338 278 468 385 545 464
49,000 246 235 342 280 472 389 550 468
50,000 248 237 343 283 474 390 554 472
51,000 249 238 344 284 477 393 578 474
52,000 252 240 347 285 483 395 601 477
53,000 255 243 350 287 485 398 626 479
54,000 256 244 354 288 489 400 649 485
55,000 258 246 355 290 492 403 673 489
56,000 259 248 358 291 496 406 678 492
57,000 260 249 361 293 498 409 682 496
58,000 261 253 362 297 500 413 686 497
59,000 267 255 366 300 504 414 689 500
60,000 268 256 368 302 507 420 696 504
65,000 280 268 386 317 532 439 773 530
70,000 291 278 403 331 560 460 808 554
75,000 306 290 424 347 584 473 846 583
80,000 323 303 444 364 616 506 899 613
85,000 342 317 471 386 649 532 952 645
90,000 358 329 495 405 684 560 1,005 677
95,000 374 342 516 426 716 586 1,069 710
100,000 391 354 540 444 748 614 1,119 744
105,000 409 371 559 462 784 642 1,155 769
110,000 427 390 577 479 819 669 1,190 797
01/01/2005Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
3Form 1Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 3 3 4 3 6 4 8 6Add'l
35,000 256 235 320 280 461 366 645 465
36,000 258 237 323 283 464 370 649 471
37,000 259 238 327 284 468 371 654 473
38,000 261 241 329 287 472 374 660 477
39,000 267 243 331 288 474 377 665 483
40,000 268 244 334 290 477 379 672 488
41,000 271 246 338 291 483 385 677 491
42,000 272 248 339 293 488 386 682 496
43,000 273 249 343 297 492 390 686 498
44,000 276 252 344 300 496 391 692 504
45,000 278 253 347 302 498 395 697 507
46,000 280 255 350 303 501 398 702 510
47,000 283 256 354 306 506 402 705 515
48,000 285 258 355 309 508 403 707 518
49,000 287 259 359 311 513 406 711 524
50,000 288 260 361 312 516 410 714 527
51,000 290 261 362 317 521 414 720 530
52,000 291 268 366 319 525 415 728 532
53,000 293 270 368 323 530 421 736 535
54,000 296 272 371 327 532 424 744 540
55,000 297 273 373 330 535 426 749 544
56,000 302 275 377 331 540 429 755 547
57,000 303 276 378 331 544 430 761 550
58,000 306 280 382 334 547 433 766 557
59,000 307 283 385 334 550 436 772 560
60,000 311 284 389 335 554 439 778 563
61,000 314 287 391 339 560 442 785 568
62,000 317 288 395 343 565 448 796 575
63,000 319 291 398 344 569 454 802 581
64,000 320 293 402 347 577 459 812 586
65,000 324 297 405 353 581 461 819 592
66,000 329 300 409 355 586 464 827 598
67,000 331 303 413 359 592 471 832 602
68,000 334 306 420 361 598 473 839 610
69,000 338 309 424 364 602 477 846 614
70,000 342 311 426 368 610 483 851 618
75,000 355 324 442 386 634 507 890 649
80,000 374 342 468 405 672 532 938 682
85,000 395 359 495 427 710 562 991 717
90,000 414 378 518 450 744 590 1,042 753
95,000 433 397 544 472 779 616 1,089 790
100,000 457 414 568 495 816 646 1,142 829
105,000 473 432 596 510 851 673 1,184 864
110,000 492 450 621 530 888 701 1,230 900
115,000 508 468 649 547 923 726 1,276 935
120,000 528 488 677 565 959 753 1,320 971
01/01/2005Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
4Form 1Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 4 4 6 6 8 6 8 8Add'l
6,000 66 63 74 70 84 81 92 82
7,000 70 69 83 78 95 86 101 90
8,000 74 72 90 84 102 95 110 99
9,000 82 81 98 92 113 101 118 106
10,000 86 84 104 99 119 106 129 117
11,000 92 90 113 105 130 116 137 126
12,000 98 96 118 114 138 121 146 134
13,000 102 101 126 119 148 130 154 143
14,000 106 105 133 129 155 137 164 153
15,000 114 113 141 134 166 143 173 163
16,000 118 117 148 142 175 152 182 172
17,000 123 121 154 149 184 157 189 181
18,000 130 129 163 155 190 166 200 188
19,000 134 133 169 164 202 173 209 199
20,000 141 138 176 172 211 181 217 207
21,000 146 143 184 177 219 187 225 216
22,000 152 149 189 185 226 192 237 224
23,000 155 154 199 190 238 202 244 235
24,000 163 158 205 200 246 209 253 243
25,000 167 166 212 207 255 216 260 252
26,000 173 172 219 214 261 223 272 259
27,000 177 176 225 220 273 228 280 271
28,000 184 182 235 226 283 238 288 278
29,000 188 187 241 237 290 244 297 287
30,000 192 190 248 243 300 252 307 296
31,000 200 199 255 249 309 258 317 306
32,000 205 204 260 256 318 267 324 314
33,000 211 209 271 261 327 273 334 323
34,000 216 214 276 272 335 280 343 331
35,000 220 219 284 278 344 287 353 342
36,000 225 224 290 285 354 293 361 350
37,000 231 228 297 291 362 302 370 359
38,000 238 237 306 300 371 309 378 368
39,000 243 241 312 307 379 317 389 377
40,000 248 246 319 314 390 323 397 386
41,000 253 252 327 320 398 330 405 395
42,000 258 256 334 329 406 338 414 403
43,000 261 260 342 335 415 344 425 413
44,000 271 268 347 343 426 353 432 424
45,000 275 273 355 350 433 359 441 430
46,000 280 278 362 358 442 366 450 439
47,000 285 284 370 364 454 373 460 448
48,000 290 288 377 371 461 379 468 459
49,000 296 293 385 378 471 389 476 465
50,000 302 300 391 386 477 395 488 474
01/01/2005Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
1Form 2Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 3 3 3 6 6 6 6 6Add'l
15,000 212 209 293 234 385 283 454 344
16,000 213 211 295 238 389 285 459 350
17,000 214 212 297 240 391 290 461 353
18,000 217 213 299 241 393 291 464 355
19,000 220 214 302 243 400 295 469 359
20,000 223 217 303 244 403 297 472 364
21,000 224 220 305 247 405 299 476 367
22,000 225 223 309 248 410 302 483 371
23,000 229 224 311 255 412 305 484 373
24,000 232 225 312 256 415 309 489 376
25,000 234 228 314 259 420 311 492 378
26,000 238 229 319 260 424 312 497 383
27,000 240 232 320 261 426 319 501 386
28,000 241 234 324 263 429 320 503 389
29,000 243 238 326 264 433 324 506 391
30,000 244 240 329 270 436 326 510 395
31,000 247 241 330 271 441 329 515 402
32,000 248 243 331 272 445 330 519 403
33,000 253 244 335 275 449 334 520 409
34,000 255 247 339 278 453 335 524 410
35,000 256 248 341 280 456 339 532 413
36,000 259 253 342 282 460 341 535 415
37,000 260 255 344 283 464 343 540 421
38,000 261 255 347 288 465 344 545 424
39,000 263 256 353 290 471 350 550 426
40,000 264 259 354 291 473 353 554 429
41,000 270 260 355 293 481 354 556 433
42,000 271 261 359 295 483 359 562 436
43,000 272 263 364 297 486 361 567 439
44,000 275 264 367 299 489 367 572 444
45,000 278 270 370 302 492 370 575 449
46,000 280 271 371 303 497 371 581 450
47,000 282 272 374 305 501 373 584 454
48,000 283 275 376 311 503 376 587 456
49,000 285 278 379 312 506 378 591 460
50,000 288 280 383 314 510 379 596 461
55,000 297 290 395 326 532 391 619 483
60,000 309 299 410 335 550 409 636 500
65,000 324 314 432 353 574 426 670 520
70,000 339 330 450 373 602 449 704 547
75,000 353 342 471 386 630 465 732 571
80,000 373 364 497 410 663 495 775 602
85,000 391 383 521 429 701 519 815 633
90,000 412 402 550 450 733 547 856 667
95,000 433 421 575 472 770 574 898 701
100,000 453 439 602 495 828 601 938 731
01/01/2005Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
2Form 2Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 3 3 3 3 8 6 8 6Add'l
25,000 240 224 323 275 459 371 533 454
26,000 241 225 326 278 461 376 536 459
27,000 243 228 329 280 465 379 543 461
28,000 244 231 331 282 469 386 547 464
29,000 247 232 334 283 472 390 554 469
30,000 248 234 339 285 476 395 556 472
31,000 253 238 342 288 483 400 562 476
32,000 255 240 344 290 486 403 565 483
33,000 256 241 350 291 491 405 572 484
34,000 259 243 354 293 495 410 575 489
35,000 260 244 359 295 500 412 581 492
36,000 261 247 361 297 503 413 584 497
37,000 263 248 367 299 506 420 590 501
38,000 264 253 370 303 508 421 596 504
39,000 270 255 373 305 513 425 601 508
40,000 271 256 374 309 516 426 603 513
41,000 272 259 376 311 520 432 606 516
42,000 273 260 379 312 524 433 614 520
43,000 278 261 383 319 532 436 619 524
44,000 280 263 386 320 535 439 622 532
45,000 282 264 389 323 540 444 627 535
46,000 283 270 390 324 543 445 631 540
47,000 285 271 393 326 547 450 636 543
48,000 288 273 395 329 551 453 640 547
49,000 290 275 402 330 555 456 648 551
50,000 291 278 403 331 559 459 651 555
51,000 293 280 405 334 563 461 680 559
52,000 295 282 410 335 567 464 708 563
53,000 299 285 412 339 571 469 734 565
54,000 302 288 415 341 574 471 764 571
55,000 303 290 420 342 579 473 792 574
56,000 305 291 421 343 583 481 797 579
57,000 309 293 425 344 587 483 802 583
58,000 311 297 426 350 590 486 807 584
59,000 312 299 432 353 594 489 814 590
60,000 314 302 433 354 598 492 817 594
65,000 330 314 454 373 627 516 911 622
70,000 343 329 473 390 661 542 954 651
75,000 359 342 497 410 686 556 994 685
80,000 379 355 521 429 726 596 1,057 720
85,000 402 373 554 454 764 627 1,119 758
90,000 421 386 581 476 803 661 1,184 796
95,000 441 402 606 501 843 689 1,258 834
100,000 460 415 634 521 882 721 1,317 875
105,000 483 436 657 545 923 755 1,359 905
110,000 503 459 677 565 964 785 1,400 937
01/01/2005Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
3Form 2Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 3 3 6 3 8 6 10 8Add'l
35,000 302 275 378 330 543 432 758 550
36,000 303 278 379 331 547 435 764 554
37,000 305 280 385 334 551 436 770 556
38,000 311 283 386 339 555 441 776 563
39,000 312 285 390 341 559 444 784 567
40,000 314 288 391 342 563 449 791 572
41,000 319 290 395 343 567 453 796 575
42,000 320 291 400 344 572 454 802 583
43,000 323 293 403 350 579 459 807 587
44,000 326 295 405 353 583 460 815 594
45,000 329 297 410 354 587 464 822 598
46,000 330 299 412 355 591 469 827 602
47,000 331 302 415 359 596 472 831 604
48,000 335 303 420 364 601 473 832 611
49,000 339 305 424 367 603 481 835 615
50,000 341 309 425 370 606 484 841 619
51,000 342 311 426 373 614 489 847 622
52,000 343 314 432 376 616 491 856 627
53,000 344 315 433 379 622 495 866 631
54,000 347 320 436 385 627 497 875 634
55,000 350 323 439 389 631 501 883 639
56,000 354 324 444 390 634 504 888 645
57,000 355 326 445 390 639 506 894 648
58,000 359 330 450 391 645 510 900 655
59,000 361 331 453 391 648 513 908 661
60,000 367 334 456 393 651 516 914 663
61,000 371 339 460 400 661 520 926 670
62,000 373 341 464 403 665 530 935 675
63,000 376 343 469 405 672 533 944 684
64,000 378 344 472 410 677 540 956 689
65,000 383 350 476 413 684 543 964 697
66,000 386 353 483 420 689 547 973 704
67,000 390 355 486 424 697 554 979 711
68,000 391 359 492 425 704 556 988 716
69,000 395 364 497 429 711 563 994 721
70,000 402 367 501 433 716 567 1,004 728
75,000 420 383 520 454 746 598 1,047 764
80,000 441 402 551 476 791 627 1,106 802
85,000 464 424 581 503 834 662 1,166 844
90,000 489 445 611 532 875 693 1,226 887
95,000 510 465 639 555 915 726 1,284 932
100,000 536 489 670 581 961 761 1,344 974
105,000 556 508 702 602 1,004 792 1,395 1,017
110,000 579 532 732 622 1,045 826 1,447 1,059
115,000 601 551 764 645 1,087 855 1,501 1,103
120,000 621 572 796 665 1,128 887 1,556 1,143
01/01/2005Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
4Form 2Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 4 4 8 8 10 8 10 10Add'l
6,000 77 74 90 82 99 95 108 98
7,000 82 78 98 94 110 102 117 108
8,000 90 84 106 101 118 111 129 117
9,000 95 92 114 110 130 118 140 129
10,000 99 96 125 117 142 129 149 140
11,000 104 101 131 128 152 137 161 149
12,000 110 106 142 134 163 146 172 161
13,000 114 111 149 145 173 155 181 172
14,000 118 116 160 153 182 164 190 181
15,000 126 119 167 163 194 173 204 190
16,000 130 128 176 172 205 181 213 204
17,000 134 131 184 178 214 189 224 213
18,000 142 137 194 188 225 200 234 224
19,000 146 143 204 199 237 209 244 234
20,000 152 148 212 207 246 216 256 244
21,000 157 153 220 214 258 225 267 256
22,000 163 160 229 224 270 234 276 267
23,000 167 164 238 232 278 243 287 276
24,000 173 169 246 241 288 253 296 287
25,000 177 175 256 248 299 260 309 296
26,000 182 178 264 259 311 271 319 309
27,000 188 184 273 270 320 278 329 319
28,000 194 189 282 276 330 287 341 329
29,000 200 197 290 285 342 295 350 341
30,000 205 201 299 293 353 305 359 350
31,000 211 207 309 303 361 314 373 359
32,000 214 212 318 312 374 323 383 373
33,000 220 216 326 320 385 330 391 383
34,000 225 223 335 329 393 341 402 391
35,000 231 226 343 339 405 347 413 402
36,000 237 232 353 346 415 356 425 413
37,000 241 238 359 355 426 367 435 425
38,000 246 243 371 364 436 376 445 435
39,000 253 247 378 374 448 385 456 445
40,000 258 255 388 383 457 391 465 456
41,000 261 259 395 390 468 401 477 465
42,000 270 264 405 400 481 410 488 477
43,000 273 271 413 409 489 420 498 488
44,000 278 275 424 417 500 427 507 498
45,000 283 280 432 426 510 436 519 507
46,000 288 285 441 435 520 445 530 519
47,000 293 290 449 444 532 454 540 530
48,000 299 295 457 453 542 461 551 540
49,000 305 302 465 460 554 471 562 551
50,000 311 306 476 469 563 483 571 562
01/01/2005Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
1Form 3Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 4 4 4 5 5 5 5 5Add'l
15,000 200 197 278 221 364 268 430 327
16,000 203 198 281 225 367 270 434 333
17,000 204 200 283 226 371 274 440 334
18,000 205 203 284 230 372 275 441 338
19,000 207 204 286 231 377 281 444 342
20,000 210 205 289 234 383 283 447 344
21,000 211 207 290 235 386 284 452 348
22,000 213 210 291 237 388 286 456 350
23,000 218 211 295 241 390 290 457 353
24,000 220 213 296 242 396 291 462 356
25,000 221 215 297 245 397 295 467 358
26,000 225 218 301 246 401 296 471 363
27,000 226 220 304 248 403 301 473 366
28,000 230 221 306 250 404 304 476 367
29,000 231 225 310 252 410 306 478 371
30,000 234 226 311 253 413 310 485 374
31,000 235 230 312 256 417 311 488 382
32,000 237 231 313 257 424 312 492 383
33,000 238 234 318 261 425 316 493 387
34,000 241 235 320 263 428 318 498 388
35,000 242 237 321 264 433 320 503 393
36,000 245 238 324 267 436 321 506 396
37,000 246 241 327 268 441 326 511 398
38,000 248 241 328 272 442 327 516 401
39,000 250 242 334 274 446 333 519 403
40,000 252 245 336 275 449 334 522 404
41,000 253 246 338 278 455 336 527 410
42,000 256 248 342 281 456 342 531 413
43,000 257 250 344 283 461 343 538 415
44,000 261 252 348 284 462 348 543 419
45,000 263 253 349 286 467 349 547 425
46,000 264 256 350 289 471 350 549 426
47,000 267 257 355 290 473 353 555 430
48,000 268 261 356 295 476 356 557 433
49,000 270 263 359 296 478 358 560 436
50,000 272 264 363 297 485 359 563 440
55,000 283 274 374 310 503 371 587 456
60,000 291 284 388 318 519 387 603 472
65,000 306 297 409 334 546 403 633 493
70,000 320 312 426 353 570 425 667 517
75,000 334 324 446 366 596 442 693 542
80,000 353 344 471 388 629 469 732 570
85,000 371 363 496 404 662 492 770 601
90,000 390 382 519 426 694 517 812 632
95,000 410 398 547 447 729 546 852 662
100,000 428 415 570 469 784 568 890 692
01/01/2005Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
2Form 3Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 4 4 4 4 6 5 6 5Add'l
25,000 226 211 305 261 434 350 504 430
26,000 230 213 310 263 440 356 508 434
27,000 231 215 311 264 442 359 515 440
28,000 234 219 313 267 444 366 517 441
29,000 235 220 316 268 447 370 522 444
30,000 237 221 320 270 452 374 527 447
31,000 238 225 324 272 456 377 531 452
32,000 241 226 327 274 461 383 535 456
33,000 242 230 333 275 463 386 543 457
34,000 245 231 336 278 469 388 547 462
35,000 246 234 342 281 472 390 549 467
36,000 248 235 343 283 476 393 555 471
37,000 250 237 348 284 478 397 558 473
38,000 252 238 349 289 482 398 563 477
39,000 253 241 353 290 487 402 568 482
40,000 256 242 355 291 489 403 571 487
41,000 257 245 356 295 493 409 575 489
42,000 259 246 359 296 498 410 579 493
43,000 263 248 363 301 503 413 587 498
44,000 264 250 366 304 506 415 591 503
45,000 267 252 367 305 511 419 594 506
46,000 268 253 370 306 515 424 600 511
47,000 270 256 372 310 517 426 603 515
48,000 272 259 374 311 521 428 607 517
49,000 274 261 382 312 526 433 614 521
50,000 275 263 383 313 530 434 617 526
51,000 278 264 386 316 533 440 645 530
52,000 281 267 388 318 538 441 670 533
53,000 284 270 390 320 542 444 698 535
54,000 286 272 396 321 546 446 723 542
55,000 289 274 397 324 548 449 751 546
56,000 290 275 398 326 553 455 756 548
57,000 291 278 402 327 557 456 759 553
58,000 295 283 403 333 558 461 766 555
59,000 296 284 409 334 562 462 769 558
60,000 297 286 410 336 564 467 774 562
65,000 312 297 430 353 594 489 861 591
70,000 326 311 449 370 624 512 903 617
75,000 342 324 471 388 651 527 944 649
80,000 359 338 496 404 688 563 1,003 682
85,000 382 353 522 430 723 594 1,060 718
90,000 398 366 549 452 762 624 1,121 754
95,000 417 382 575 473 799 654 1,192 791
100,000 436 396 602 496 833 683 1,247 828
105,000 456 413 622 516 874 714 1,286 858
110,000 476 434 641 535 914 745 1,327 887
01/01/2005Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
3Form 3Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 4 4 5 4 6 5 9 6Add'l
35,000 286 261 358 312 515 409 718 519
36,000 289 263 359 313 517 412 723 522
37,000 290 264 364 316 521 413 729 527
38,000 295 268 366 320 526 417 735 533
39,000 296 270 370 321 530 419 743 538
40,000 297 272 371 324 533 425 748 543
41,000 301 274 374 326 538 428 754 547
42,000 304 275 377 327 543 430 759 553
43,000 305 278 383 333 548 434 766 557
44,000 310 281 386 334 553 436 770 562
45,000 311 283 388 336 557 441 777 564
46,000 312 284 390 338 560 444 783 570
47,000 313 286 396 342 563 447 785 573
48,000 318 289 397 344 568 449 789 576
49,000 320 290 401 348 571 455 793 582
50,000 321 291 402 349 575 457 797 587
51,000 324 295 403 353 579 462 804 591
52,000 326 297 409 356 586 463 812 594
53,000 327 299 410 359 591 469 821 600
54,000 328 304 413 364 594 471 828 602
55,000 333 305 415 367 600 473 836 606
56,000 336 306 419 370 602 477 843 608
57,000 338 310 424 370 606 478 847 614
58,000 342 312 426 371 608 485 854 621
59,000 343 313 428 371 614 487 860 624
60,000 348 316 433 372 617 489 866 629
61,000 350 320 436 377 624 493 875 633
62,000 353 321 441 383 630 501 885 640
63,000 356 326 444 386 637 504 892 648
64,000 358 327 447 388 641 511 904 654
65,000 363 333 452 393 648 515 914 661
66,000 366 334 456 397 654 517 920 667
67,000 370 338 461 401 661 522 928 671
68,000 371 342 467 402 667 527 934 677
69,000 374 344 471 404 671 533 944 683
70,000 382 348 473 410 677 538 950 691
75,000 397 363 493 430 708 564 992 723
80,000 417 382 521 452 748 594 1,048 759
85,000 441 401 549 476 791 625 1,105 800
90,000 462 424 576 503 828 656 1,162 840
95,000 485 442 606 526 869 688 1,215 882
100,000 508 462 633 549 912 720 1,272 922
105,000 527 482 664 570 950 751 1,321 963
110,000 548 503 693 591 990 780 1,371 1,004
115,000 568 521 723 608 1,030 809 1,422 1,044
120,000 589 543 754 630 1,070 840 1,472 1,081
01/01/2005Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
4Form 3Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 4 4 6 6 9 6 9 9Add'l
6,000 70 68 82 74 90 86 98 89
7,000 74 71 89 85 100 92 106 98
8,000 82 76 97 91 108 101 117 106
9,000 86 84 103 100 118 108 127 117
10,000 90 87 113 106 129 117 135 127
11,000 95 91 119 116 138 124 146 135
12,000 100 97 129 123 148 133 156 146
13,000 103 101 135 132 157 141 164 156
14,000 108 105 145 139 166 149 173 164
15,000 114 109 152 148 176 157 186 173
16,000 118 116 160 156 187 164 194 186
17,000 123 119 167 162 195 172 203 194
18,000 129 124 176 171 204 182 213 203
19,000 133 130 186 181 215 189 221 213
20,000 138 134 192 188 224 197 232 221
21,000 143 139 200 195 234 204 242 232
22,000 148 145 209 203 245 213 252 242
23,000 152 149 216 211 253 220 261 252
24,000 157 154 224 219 262 230 269 261
25,000 161 159 232 226 272 237 281 269
26,000 166 162 241 235 283 246 290 281
27,000 171 167 248 245 291 253 299 290
28,000 176 172 256 252 300 261 310 299
29,000 182 178 263 259 311 268 318 310
30,000 187 183 272 267 320 277 327 318
31,000 191 188 281 275 328 285 339 327
32,000 195 192 289 284 340 293 348 339
33,000 200 197 296 291 349 300 356 348
34,000 204 202 305 299 358 310 366 356
35,000 210 205 312 307 369 316 375 366
36,000 215 211 320 315 377 324 386 375
37,000 219 216 327 323 387 333 396 386
38,000 224 220 338 331 397 342 404 396
39,000 230 225 344 340 407 349 414 404
40,000 234 231 353 348 415 356 424 414
41,000 238 235 359 355 425 364 434 424
42,000 245 241 369 363 436 372 444 434
43,000 248 246 375 371 445 382 453 444
44,000 253 250 385 379 455 388 461 453
45,000 257 254 392 387 463 397 472 461
46,000 262 259 401 396 473 404 482 472
47,000 267 263 409 403 484 413 490 482
48,000 272 268 415 412 492 419 501 490
49,000 277 274 424 418 503 428 511 501
50,000 283 278 433 426 512 439 519 511
01/01/2005Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
1Form 4Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 4 4 6 6 8 8 10 10Add'l
15,000 225 220 312 255 406 303 484 370
16,000 226 224 315 258 410 306 486 376
17,000 228 225 318 259 412 311 491 377
18,000 231 226 319 261 420 312 492 383
19,000 232 228 320 264 421 318 497 385
20,000 234 231 324 267 426 319 501 388
21,000 237 232 326 270 427 324 503 390
22,000 243 234 327 271 433 326 508 393
23,000 244 237 331 275 435 331 510 395
24,000 248 240 334 276 438 334 516 401
25,000 253 243 335 278 441 338 518 402
26,000 255 244 338 282 444 341 520 406
27,000 259 247 341 283 449 342 525 410
28,000 260 253 343 287 454 344 533 412
29,000 264 255 344 290 459 347 536 420
30,000 267 258 347 291 465 350 542 425
31,000 270 260 350 293 469 353 547 427
32,000 273 261 354 295 473 354 555 429
33,000 275 267 356 299 477 358 563 435
34,000 278 270 359 302 484 359 569 436
35,000 282 273 361 303 486 361 575 441
36,000 283 275 367 306 491 367 583 444
37,000 290 276 368 309 495 370 589 450
38,000 291 282 368 311 500 371 601 454
39,000 295 283 370 312 503 377 604 461
40,000 297 287 371 315 508 378 613 468
41,000 299 290 377 318 513 383 619 471
42,000 303 291 383 319 518 386 628 477
43,000 306 295 385 324 520 388 637 484
44,000 311 297 388 326 525 391 648 488
45,000 312 299 391 327 530 393 655 492
46,000 318 302 395 331 536 395 663 497
47,000 320 303 401 334 543 400 672 501
48,000 327 309 406 338 554 402 684 507
49,000 334 311 410 341 559 403 692 510
50,000 338 312 415 342 567 406 701 516
55,000 359 326 441 353 601 426 744 542
60,000 386 341 465 395 628 442 787 568
65,000 409 350 488 425 663 468 831 596
70,000 435 359 513 441 704 488 876 619
75,000 457 371 539 457 731 508 920 648
80,000 484 386 567 476 757 536 962 692
85,000 507 402 591 492 784 563 1,006 717
90,000 530 426 619 510 808 591 1,052 744
95,000 555 445 650 527 835 619 1,095 776
100,000 578 469 677 545 885 648 1,138 803
01/01/2005Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
2Form 4Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 12 6 13 6 12 10 13 10Add'l
25,000 270 260 343 334 492 401 571 491
26,000 273 261 344 335 497 403 575 495
27,000 276 264 347 341 501 406 579 500
28,000 283 267 353 342 503 410 584 503
29,000 290 270 354 344 508 412 589 508
30,000 293 271 356 347 513 420 596 513
31,000 297 273 359 350 518 425 616 518
32,000 302 275 368 354 520 426 634 520
33,000 309 276 371 356 525 429 660 524
34,000 312 278 378 359 530 433 677 527
35,000 318 282 385 361 535 436 701 533
36,000 320 283 390 368 542 441 717 536
37,000 327 287 395 370 551 444 734 542
38,000 334 291 401 376 557 449 751 543
39,000 341 293 406 377 567 453 770 547
40,000 343 295 412 383 571 457 787 554
41,000 347 297 421 386 575 468 796 557
42,000 354 299 427 391 579 477 802 562
43,000 358 302 433 395 587 486 812 563
44,000 367 303 438 402 591 497 819 568
45,000 370 306 444 406 598 507 828 571
46,000 376 312 450 409 611 518 834 575
47,000 383 319 457 412 621 525 840 583
48,000 386 326 461 415 634 536 847 587
49,000 391 334 469 421 650 545 855 596
50,000 395 341 476 425 662 557 862 601
51,000 401 342 481 426 667 562 873 611
52,000 406 343 486 429 670 567 879 621
53,000 410 344 491 433 677 569 888 633
54,000 420 347 497 436 684 574 897 648
55,000 425 350 501 438 686 578 906 660
56,000 427 353 508 441 701 589 923 662
57,000 435 354 516 444 714 602 941 667
58,000 438 358 519 445 729 613 959 670
59,000 444 359 525 450 744 621 976 675
60,000 449 361 533 453 757 633 994 678
65,000 476 383 563 476 793 702 1,083 757
70,000 481 425 596 497 831 734 1,171 792
75,000 507 442 625 519 871 805 1,236 828
80,000 533 468 655 547 976 851 1,302 874
85,000 563 491 686 575 1,027 898 1,366 971
90,000 589 536 717 607 1,077 944 1,434 1,072
95,000 616 542 746 634 1,131 991 1,500 1,127
100,000 645 567 779 663 1,183 1,087 1,579 1,180
105,000 710 601 855 697 1,248 1,131 1,657 1,222
110,000 776 630 932 731 1,316 1,174 1,733 1,266
01/01/2005Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
3Form 4Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
35,000 356 320 400 395 578 492 819 591
36,000 359 327 403 400 583 497 827 598
37,000 368 334 409 402 587 500 831 602
38,000 371 341 415 403 596 503 839 607
39,000 378 343 421 409 601 507 844 613
40,000 385 350 427 410 603 510 850 616
41,000 388 353 435 412 616 516 859 619
42,000 393 354 438 420 628 519 862 625
43,000 400 358 444 421 646 524 871 630
44,000 403 359 449 426 660 527 874 634
45,000 409 361 454 427 670 533 879 640
46,000 412 367 461 433 675 536 888 646
47,000 421 370 469 435 684 542 897 651
48,000 426 371 477 438 686 543 905 655
49,000 433 377 485 441 693 547 912 662
50,000 436 378 491 444 697 554 922 667
51,000 441 383 497 445 702 563 938 678
52,000 445 385 503 450 710 574 957 693
53,000 450 388 513 453 713 587 976 705
54,000 457 390 519 457 719 601 994 719
55,000 461 391 525 459 721 611 1,012 733
56,000 468 400 533 461 729 628 1,018 736
57,000 473 403 539 468 733 648 1,023 744
58,000 477 412 547 469 737 667 1,036 746
59,000 485 421 555 473 744 685 1,041 755
60,000 488 427 562 476 746 704 1,047 760
61,000 492 433 568 481 764 711 1,069 776
62,000 500 436 574 485 784 717 1,091 792
63,000 503 441 583 491 800 721 1,112 805
64,000 510 444 589 495 819 731 1,135 827
65,000 516 449 598 500 835 736 1,157 840
66,000 519 453 604 503 844 749 1,170 859
67,000 525 457 614 508 850 761 1,180 876
68,000 530 461 619 516 861 776 1,190 890
69,000 536 468 628 519 868 785 1,204 909
70,000 542 471 637 524 876 797 1,216 927
75,000 568 519 678 545 914 847 1,265 969
80,000 596 547 720 575 1,023 897 1,337 1,021
85,000 619 575 764 607 1,079 946 1,408 1,074
90,000 648 607 808 637 1,136 994 1,482 1,131
95,000 672 634 851 669 1,189 1,044 1,550 1,186
100,000 701 663 897 701 1,245 1,089 1,659 1,239
105,000 744 697 941 733 1,312 1,143 1,734 1,305
110,000 787 731 986 764 1,376 1,198 1,809 1,372
115,000 831 763 1,028 797 1,443 1,253 1,890 1,441
01/01/2005Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
4Form 4Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
6,000 77 74 90 82 99 95 108 98
7,000 82 78 98 94 110 102 117 108
8,000 90 84 106 101 118 111 129 117
9,000 95 92 114 110 130 118 140 129
10,000 99 96 125 117 142 129 149 140
11,000 104 101 131 128 152 137 161 149
12,000 110 106 142 134 163 146 172 161
13,000 114 111 149 145 173 155 181 172
14,000 118 116 160 153 182 164 190 181
15,000 126 119 167 163 194 173 204 190
16,000 130 128 176 172 205 181 213 204
17,000 134 131 184 178 214 189 224 213
18,000 142 137 194 188 225 200 234 224
19,000 146 143 204 199 237 209 244 234
20,000 152 148 212 207 246 216 256 244
21,000 157 153 220 214 258 225 267 256
22,000 163 160 229 224 270 234 276 267
23,000 167 164 238 232 278 243 287 276
24,000 173 169 246 241 288 253 296 287
25,000 177 175 256 248 299 260 309 296
26,000 182 178 264 259 311 271 319 309
27,000 188 184 273 270 320 278 329 319
28,000 194 189 282 276 330 287 341 329
29,000 200 197 290 285 342 295 350 341
30,000 205 201 299 293 353 305 359 350
31,000 211 207 309 303 361 314 373 359
32,000 214 212 318 312 374 323 383 373
33,000 220 216 326 320 385 330 391 383
34,000 225 223 335 329 393 341 402 391
35,000 231 226 343 339 405 347 413 402
36,000 237 232 353 346 415 356 425 413
37,000 241 238 359 355 426 367 435 425
38,000 246 243 371 364 436 376 445 435
39,000 253 247 378 374 448 385 456 445
40,000 258 255 388 383 457 391 465 456
41,000 261 259 395 390 468 401 477 465
42,000 270 264 405 400 481 410 488 477
43,000 273 271 413 409 489 420 498 488
44,000 278 275 424 417 500 427 507 498
45,000 283 280 432 426 510 436 519 507
46,000 288 285 441 435 520 445 530 519
47,000 293 290 449 444 532 454 540 530
48,000 299 295 457 453 542 461 551 540
49,000 305 302 465 460 554 471 562 551
50,000 311 306 476 469 563 483 571 562
01/01/2005Revised
Coverage Amount
Farmer Mutual Insurance CompanyPreferred Double Wide Mobile Homeowners
1TerritoryProtection Class 1 - 7
Protection Class 8
Protection Class 9
Protection Class 10
3Form No
15,000 231 300 436 600
16,000 233 303 439 608
17,000 238 305 444 613
18,000 239 311 448 618
19,000 244 313 454 624
20,000 245 315 456 627
21,000 247 319 459 634
22,000 249 321 463 642
23,000 253 324 470 646
24,000 255 325 472 653
25,000 256 330 477 657
26,000 260 332 481 661
27,000 263 334 484 667
28,000 264 339 486 676
29,000 267 340 491 683
30,000 269 345 495 686
31,000 274 347 498 691
32,000 275 349 502 698
33,000 281 353 504 702
34,000 282 356 511 712
35,000 285 357 513 717
36,000 286 360 516 720
37,000 290 362 519 726
38,000 291 366 527 732
39,000 296 369 529 736
40,000 297 371 532 747
41,000 299 373 536 750
42,000 302 376 543 757
43,000 303 381 546 761
44,000 310 385 550 768
45,000 311 387 553 775
46,000 313 389 558 780
47,000 314 390 561 784
48,000 316 395 567 786
49,000 319 397 571 790
50,000 321 401 576 793
55,000 331 415 594 832
60,000 345 433 616 862
65,000 360 452 645 909
70,000 378 472 676 947
75,000 395 493 702 988
80,000 418 519 747 1,044
85,000 438 549 788 1,098
90,000 459 577 825 1,157
95,000 483 604 863 1,210
100,000 504 629 907 1,269
105,000 519 649 937 1,309
01/01/2010Revised
Coverage Amount
Farmer Mutual Insurance CompanyPreferred Double Wide Mobile Homeowners
1TerritoryProtection Class 1 - 7
Protection Class 8
Protection Class 9
Protection Class 10
3Form No
110,000 534 669 967 1,349
115,000 549 689 997 1,389
120,000 564 709 1,027 1,429
125,000 579 729 1,057 1,469
01/01/2010Revised
Coverage Amount
Farmer Mutual Insurance CompanyPreferred Double Wide Mobile Homeowners
2TerritoryProtection Class 1 - 7
Protection Class 8
Protection Class 9
Protection Class 10
3Form No
15,000 239 309 450 619
16,000 241 313 455 626
17,000 246 316 457 630
18,000 247 320 461 636
19,000 250 321 467 642
20,000 252 325 471 646
21,000 255 327 474 654
22,000 257 331 476 660
23,000 259 334 485 665
24,000 262 335 488 672
25,000 264 340 490 676
26,000 267 343 493 680
27,000 271 344 497 688
28,000 273 349 502 696
29,000 275 350 506 703
30,000 276 355 508 707
31,000 283 357 512 712
32,000 285 359 518 717
33,000 288 362 521 723
34,000 289 367 525 732
35,000 292 368 527 737
36,000 293 371 531 742
37,000 298 373 535 748
38,000 301 377 541 755
39,000 304 378 544 759
40,000 306 383 548 768
41,000 307 386 554 773
42,000 311 387 558 779
43,000 313 392 562 784
44,000 318 395 568 792
45,000 320 399 570 797
46,000 321 401 573 804
47,000 323 402 578 807
48,000 326 405 584 811
49,000 327 410 588 814
50,000 331 413 592 816
55,000 341 427 612 858
60,000 355 444 634 889
65,000 371 462 664 936
70,000 388 488 696 974
75,000 405 507 723 1,017
80,000 429 535 768 1,075
85,000 452 564 812 1,132
90,000 474 594 848 1,193
95,000 495 624 890 1,247
100,000 521 648 933 1,305
105,000 536 678 973 1,355
01/01/2010Revised
Coverage Amount
Farmer Mutual Insurance CompanyPreferred Double Wide Mobile Homeowners
2TerritoryProtection Class 1 - 7
Protection Class 8
Protection Class 9
Protection Class 10
3Form No
110,000 551 708 1,013 1,405
115,000 566 738 1,053 1,455
120,000 581 768 1,093 1,505
125,000 596 798 1,133 1,555
01/01/2010Revised
Coverage Amount
Farmer Mutual Insurance CompanyPreferred Double Wide Mobile Homeowners
3TerritoryProtection Class 1 - 7
Protection Class 8
Protection Class 9
Protection Class 10
3Form No
15,000 248 323 471 647
16,000 250 327 474 656
17,000 257 329 478 660
18,000 259 334 483 664
19,000 261 336 488 671
20,000 262 340 492 675
21,000 266 343 495 682
22,000 270 344 498 690
23,000 271 349 506 696
24,000 274 350 508 703
25,000 275 355 513 707
26,000 280 358 517 712
27,000 283 362 520 718
28,000 285 364 522 728
29,000 288 367 528 734
30,000 290 372 532 740
31,000 295 373 535 744
32,000 297 377 541 750
33,000 302 378 544 756
34,000 303 382 549 765
35,000 306 385 553 770
36,000 307 387 555 777
37,000 311 390 558 782
38,000 313 395 567 788
39,000 318 397 569 793
40,000 320 400 573 802
41,000 321 402 578 809
42,000 326 404 584 815
43,000 327 411 587 820
44,000 332 413 592 828
45,000 334 415 597 833
46,000 336 419 600 840
47,000 339 420 604 844
48,000 341 425 611 847
49,000 343 428 615 849
50,000 344 432 619 854
55,000 357 446 640 895
60,000 372 464 662 928
65,000 387 485 694 979
70,000 409 508 728 1,017
75,000 425 531 756 1,063
80,000 448 558 802 1,122
85,000 472 590 848 1,183
90,000 495 620 888 1,247
95,000 518 650 931 1,304
100,000 544 679 977 1,365
105,000 564 704 1,007 1,410
01/01/2010Revised
Coverage Amount
Farmer Mutual Insurance CompanyPreferred Double Wide Mobile Homeowners
3TerritoryProtection Class 1 - 7
Protection Class 8
Protection Class 9
Protection Class 10
3Form No
110,000 584 729 1,037 1,455
115,000 604 754 1,067 1,500
120,000 624 779 1,097 1,545
125,000 644 804 1,127 1,590
01/01/2010Revised
Coverage Amount
Farmer Mutual Insurance CompanyPreferred Double Wide Mobile Homeowners
4TerritoryProtection Class 1 - 7
Protection Class 8
Protection Class 9
Protection Class 10
3Form No
15,000 260 339 490 675
16,000 261 341 495 682
17,000 267 343 498 689
18,000 270 349 504 693
19,000 274 350 508 700
20,000 275 354 513 704
21,000 276 358 517 712
22,000 280 359 520 720
23,000 283 363 527 727
24,000 287 367 532 732
25,000 288 371 535 737
26,000 292 374 539 744
27,000 295 377 542 749
28,000 297 381 546 759
29,000 302 382 553 765
30,000 303 387 555 772
31,000 307 388 559 777
32,000 311 395 564 783
33,000 313 396 569 790
34,000 316 399 572 800
35,000 320 400 574 804
36,000 321 404 581 811
37,000 325 409 583 815
38,000 326 413 590 823
39,000 332 414 594 829
40,000 334 416 598 839
41,000 335 420 602 843
42,000 340 424 610 849
43,000 341 428 612 857
44,000 348 430 618 863
45,000 349 433 620 870
46,000 350 436 626 876
47,000 353 441 630 879
48,000 357 443 636 885
49,000 358 446 643 888
50,000 359 450 646 891
55,000 372 464 667 935
60,000 387 486 692 969
65,000 404 506 726 1,023
70,000 425 532 759 1,062
75,000 443 554 790 1,109
80,000 470 583 839 1,171
85,000 492 616 886 1,234
90,000 517 647 926 1,301
95,000 541 679 970 1,359
100,000 561 709 1,010 1,409
105,000 581 739 1,050 1,459
01/01/2010Revised
Coverage Amount
Farmer Mutual Insurance CompanyPreferred Double Wide Mobile Homeowners
4TerritoryProtection Class 1 - 7
Protection Class 8
Protection Class 9
Protection Class 10
3Form No
110,000 601 769 1,090 1,509
115,000 621 799 1,130 1,559
120,000 641 829 1,170 1,609
125,000 664 859 1,210 1,659
01/01/2010Revised
FARMERS MUTUAL INSURANCE COMPANY WV HOMEOWNERS RATES
POLICYWRITING INSTRUCTIONS & PREMIUM DETERMINATION
RULE 3.5 Additional Interests 3.5.1 Interests in coverage A & B & premises liability- Form 1, 2 & 3 ATTACH ENDORSEMENT ML-41 $25. PER POLICY 3.5.2 Residents of the household THIS RULE DOES NOT APPLY 3.5.3 Landlords THIS RULE DOES NOT APPLY 3.9 Contributing insurance Credit for liability coverage $11. All policies must contain the same deductible. All additional limits & coverage must be divided
between companies. Scheduled personal property can be shared at option of companies. Liability must be assumed by one company. All policies must include the policy number & must identify the company providing liability. See rule 3.9, page 11. ATTACH ENDORSEMENT ML-178
4.2 Modified loss settlement terms THIS RULE DOES NOT APPLY 4.3 Tenants personal property Special coverage THIS RULE DOES NOT APPLY 4.4 Unit-owners personal property Special coverage THIS RULE DOES NOT APPLY Rev 1/12 Page 8
FARMERS MUTUAL INSURANCE COMPANY WEST VIRGINIA HOMEOWNERS RATES
DEDUCTIBLES & PREMIUM MODIFICATIONS
RULE 5.1 FLAT DEDUCTIBLES – ALL PERILS $500 0% $1,000 -10% $2,500 -18% Deductible does not apply to all coverage. Use percentages to adjust the premium and show the deductible on the declarations. 5.2 $250 THEFT DEDUCTIBLE FOR COVERAGE C This rule does not apply 5.3 HIGHER WINDSTORM OR HAIL DEDUCTIBLE This rule does not apply 6.1 PROTECTIVE DEVICES Central station burglary and/or fire alarms 5% Fire department and/or police department alarms 3% Local alarms, including smoke and/or gas detection 2% Sprinkler systems 3% Use the protective device percentages to adjust the premium ATTACH ENDORSEMENT ML-216 6.2 FIRE RESISTIVE & SPECIFICALLY RATED BUILDINGS This rule does not apply 6.3 ROW & TOWNHOUSES This rule does not apply Rev. 9/12 Page 9
FARMERS MUTUAL INSURANC COMPANY HOMEOWNERS RATES
WV
PREMIUM MODIFICATIONS
RULE 6.4 EXPANDED ORDINANCE OR LAW Forms 1, 2 & 3 +10% Form 4 – see rule 7.17 rules page 32
The use of this endorsement removes the 25% of damage limit & provides incurred cost for increased cost resulting from an ordinance or law. If damage exceeds limit an additional 10% is granted. Attach Endorsement ML257
6.5 REPLACEMENT VALUE PERSONAL PROPERTY $43 ANNUAL PREMIUM
Personal property may be converted from ACV to replacement cost. Minimum limit requirements Form 1, 2 & 3 Coverage A $35,000 Form 4 Coverage C $ 6,000 Attach Endorsement ML55
6.6 AUTOMATIC ADJUSTMENT OF LIMITS THIS RULE DOES NOT APPLY 6.7 EXPANDED DEBRIS REMOVAL +5%
The use of this endorsement removes the 25% of damage limit & provides incurred cost for debris removal. If damage exceeds limit, an additional 5% is granted. Attach Endorsement ML420
Rev. 4/1/12 HO-Page 10 AAIS
Farmers Mutual Insurance Company West Virginia Homeowners Rates
04/02 Page 11
PREMIUM MODIFICATIONS AND OPTIONAL PROPERTY COVERAGES
RULE 6.8 INDIVIDUAL RISK PREMIUM MODIFICATIONS THIS RULE IS TO BE APPLIED TO RECOGNIZE SPECIAL CHARACTERISTICS OF THE RISK THAT ARE NOT FULLY REFLECTED IN THE RATES. UNDERWRITER DISCRETION (SUBMIT TO COMPANY FOR REVIEW -40% TO +40%) 7.1 VANDALISM - FORM 8 ONLY THIS RULE DOES NOT APPLY 7.2 EARTHQUAKE - RATING INFORMATION PER $1,000 OF INSURANCE* FRAME ALL OTHERS FORMS 1, 2, AND 3 $0.20 $0.40 AND LOSS ASSESSMENT (ML-53) FORM 4 INCLUDING HIGHER LIMITS 0.15 0.30 OF TENANT'S IMPROVEMENTS AND COVERAGE A RELATED PRIVATE STRUCTURE OPTIONS 0.20 0.40 COVERAGE FOR DIRECT PHYSICAL LOSS CAUSED BY AN EARTHQUAKE CAN BE ADDED * COVERAGE FOR MASONRY VENEER IS OPTIONAL, REFER TO ENDORSEMENT. IF THE VENEER EXCLUSION APPLIES, RATE AS "FRAME"; IF NOT, RATE AS ALL OTHERS. ATTACH ENDORSEMENT ML-54
FARMERS MUTUAL INSURANCE COMPANY WV HOMEOWNERS RATES
OPTIONAL PROPERTY COVEFRAGES
RULE RATE PER AMT OF INS 7.3 DWELLING UNDER CONSTRUCTION – THEFT $20 PER $1,000
Coverage for theft or attempted theft can be added to a residence being built or newly constructed residence before it is occupied, including building materials & supplies. ENDORSEMENT ML-422 MAKE ENTRY TO SHOW LIMIT THAT APPLIES
7.4 PRIVATE STRUCTURES 7.4.1 INCREASED LIMITS $6 PER $1,000 ENDORSEMENT ML-48
Additional amount can be provided for specific structures covered under coverage B Description & photos of covered structure needed
7.4.2 RENTED TO OTHERS THIS RULE DOES NOT APPLY 7.4.3 WITH INCIDENTAL OCCUPANCIES $4 PER $1,000 ENDORSEMENT ML-42 Private structures on described premises with an office, professional, private school or studio Need description & photo of structure, description of business & amount of coverage 7.4.4 CARE PROVIDED FOR OTHERS $4 PER $1,000 Coverage for private structures used in conjunction with providing care for others can be added If liability coverage for the care of others also applies 7.4.5 AWAY FROM PREMISES – COVERAGE B EXTENSION THIS RULE DOES NOT APPLY Rev 1/1/13 Page 12 AAIS
Farmers Mutual Insurance Company Homeowners Rates
OPTIONAL PROPERTY COVERAGES
RULE RATE PER AMOUNT OF INSURANCE 7.4.6 Away from premises-Specifically Scheduled structures THIS RULE DOES NOT APPLY 7.5 Personal Property 7.5.1 Increased Limit $1.05 per $1,000.
Coverage C can be increased. Show on declarations 7.5.2 Reduced Limit THIS RULE DOES NOT APPLY 7.5.3 In residences Occasionally rented THIS RULE DOES NOT APPLY 7.5.4 In units Regularly rented THIS RULE DOES NOT APPLY 7.6 Accidental discharge $10 per policy Water filled furniture
Coverage can be provided for direct physical loss to covered property caused by accidental discharge or overflow of liquids from water filled furniture ATTACH ENDORSEMENT ML-421
Rev. 11/11 Page 13
Farmers Mutual Insurance Company West Virginia Homeowners Rates
10/97 Page 14
OPTIONAL PROPERTY COVERAGES
RULE RATING PER AMOUNT INFORMATION OF INSURANCE 7.7 MONEY AND SECURITIES MONEY $6.00 $100 AUTOMATIC COVERAGE OF $250 CAN BE INCREASED. SECURITIES $4.00 $100 AUTOMATIC COVERAGE OF $1,500 CAN BE INCREASED. ATTACH ENDORSEMENT ML-65 7.8 UNSCHEDULED JEWELRY, WATCHES, AND FURS $9.00 $500 AUTOMATIC COVERAGE OF $2,500, FOR LOSS BY THEFT ONLY, CAN BE INCREASED. ATTACH ENDORSEMENT ML-65 7.9 GUNS & GUN ACCESSORIES $2.00 $100 AUTOMATIC COVERAGE OF $2,500 FOR LOSS BY THEFT ONLY, CAN BE INCREASED. ATTACH ENDORSEMENT ML-65 7.10 SILVERWARE, GOLDWARE, AND PEWTERWARE $0.50 $100 AUTOMATIC COVERAGE OF $2,500 FOR LOSS BY THEFT ONLY, CAN BE INCREASED. ATTACH ENDORSEMENT ML-65 7.11 BUSINESS PROPERTY $1.00 $500 AUTOMATIC COVERAGE OF $2,500 WHILE ON INSURED PREMISES 10% OF BUSINESS PROPERTY COVERAGE APPLIES WHILE OFF PREMISES ATTACH ENDORSEMENT ML-65
Farmers Mutual Insurance Company West Virginia Homeowners Rates
10/97 Page 15
OPTIONAL PROPERTY COVERAGES
RULE RATING PER AMOUNT INFORMATION OF INSURANCE 7.12 ELECTRONIC DEVICES $10.00 $500 AUTOMATIC COVERAGE OF $1,500 CAN BE INCREASED. ATTACH ENDORSEMENT ML-65 7.13 COMPUTERS DATA PROCESSING EQUIPMENT $2.00 $100 SOFTWARE 2.00 100 COVERAGE CAN BE PROVIDED FOR ALL RISKS OF DIRECT PHYSICAL LOSS, WITH CERTAIN EXCEPTIONS. NEED DESCRIPTION OF PROPERTY AND THE LIMIT. ATTACH ENDORSEMENT ML-170 7.14 REFRIGERA TED FOOD SPOILAGE $5.00 $500 AUTOMATIC COVERAGE IS $500 ATTACH ENDORSEMENT ML-30 7.15 ADDITIONAL LIVING COST AND LOSS OF RENT THIS RULE DOES NOT APPLY 7.16 CREDIT CARD AND DEPOSITORS FORGERY AMOUNT OF TOTAL RATING INFORMATION INCREASE LIMIT PER POLICY $1,000 $2,500 $2.00 3,500 5,000 3.00 6,000 7,500 4.00 8,500 10,000 5.00 $1,500 PER OCCURRENCE IS THE MOST THAT WILL BE PAID UNLESS A HIGHER LIMIT IS ADDED. ATTACH ENDORSEMENT ML-30
Farmers Mutual Insurance Company West Virginia Homeowners Rates
10/97 Page 16
OPTIONAL PROPERTY COVERAGES RULE RATE PER AMOUNT OF INSURANCE 7.17 TENANTS IMPROVEMENTS $3 PER $1,000 FORM 4 ONLY AUTOMATIC COVERAGE OF 10% OF COVERAGE C CAN BE INCREASED. WHEN ESTABLISHING LIMIT, CONSIDER THE LIMIT INCLUDES INCREASED COST WHICH RESULTS FROM THE ENFORCEMENT OF A CODE, ORDINANCE, OR LAW WHICH REGULATES THE USE, CONSTRUCTION, REPAIR, DEMOLITION, OR REMOVAL OF PROPERTY FOLLOWING A COVERED LOSS. ATTACH ENDORSEMENT ML-30 7.18 FIRE DEPARTMENT $2 PER $100 SERVICE CHARGE AUTOMATIC COVERAGE OF $500 CAN BE INCREASED ATTACH ENDORSEMENT ML-30 7.19 SCHEDULED PERSONAL PROPERTY 1. JEWELRY, AS SCHEDULED. $0.85 PER $100 2. FURS AND GARMENTS TRIMMED WITH FUR $0.50 PER $100 OR CONSISTING PRINCIPALLY OF FUR AS SCHEDULED. 3. CAMERAS, PROJECTION MACHINES, FILMS, $1.80 PER $100 AND RELATED ARTICLES OF EQUIPMENT AS SCHEDULED. 4. MUSICAL INSTRUMENTS AND RELATED $0.65 PER $100 ARTICLES OF EQUIPMENT, AS SCHEDULED. 5. SILVERWARE, GOLDWARE, ITEMS PLATED $0.70 PER $100 WITH GOLD OR SILVER, AND PEWTE RWARE; AS SCHEDULED, BUT EXCLUDING PENS, PENCILS, FLASKS, SMOKING IMPLEMENTS AND JEWELRY. 6. GOLFERS' EQUIPMENT, MEANING GOLF BALLS, $1.00 PER $100 CLUBS AND BAGS; GOLF CLOTHING; AND OTHER GOLFING EQUIPMENT AS SCHEDULED. THIS INCLUDES STREET CLOTHES KEPT IN A LOCKER WHILE AN INSURED IS GOLFING.
Farmers Mutual Insurance Company West Virginia Homeowners Rates
8/98 Page 17
OPTIONAL PROPERTY COVERAGES
RULE RATE PER AMOUNT OF INSURANCE 7.19 SCHEDULED PERSONAL PROPERTY (CONT'D) 7. FINE ARTS, AS SCHEDULED. THIS PREMIUM $0.65 PER $100 IS BASED ON YOUR STA TEMENT THAT THE COVERED PROPERTY IS AT THE LOCATION DESCRIBED IN THE ENDORSEMENT. 8. POSTAGE STAMPS, INCLUDING DUE, ENVELOPE $0.55 PER $100 OFFICIAL REVENUE, MATCH AND MEDICINE STAMPS, COVERS; LOCALS; REPRINTS; ESSAYS; PROOFS; AND OTHER PHILA TELIC PROPERTY AS SCHEDULED. INCLUDING THEIR BOOKS, PAGES, AND MOUNTINGS, OWNED BY OR IN THE CUSTODY OR CONTROL OF AN "INSURED". 9. RARE AND CURRENT COINS, MEDALS, PAPER $2.00 PER $100 MONEY BANK NOTES, TOKENS OF MONEY AND OTHER NUMISMATIC PROPERTY, INCLUDING COIN ALBUMS, CONTAINERS, FRAMES, CARDS, DISPLAY CABINETS IN USE WITH SUCH COLLECTION OWNED BY OR IN THE CUSTODY OR CONTROL OF AN "INSURED". 10. BICYCLES AND RELATED EQUIPMENT $1.00 PER $100 11. OTHER PERSONAL PROPERTY AS SCHEDULED $1.00 PER $100 12. GUNS AND GUN ACCESSORIES $2.50 PER $100 APPLIES TO ITEMS 1-12: COVERAGE CAN BE PROVIDED AGAINST ALL RISKS OF DIRECT PHYSICAL LOSS, WITH CERTAIN EXCEPTIONS. NEW ITEMS OVER $2,000 REQUIRE A BILL OF SALE. ITEMS OVER 1 YEAR OLD AND OVER $2,000 REQUIRE A CURRENT APPRAISAL. ANY SCHEDULED PERSONAL PROPERTY ITEM OVER $5,000 REQUIRES COMPANY APPROVAL TO BIND. ATTACH ENDORSEMENTS ML-61 AND ML-61A 7.19.1 SCHEDULED RECREATIONAL MOTOR VEHICLES $35.00 PER $1,000 COVERA GE CAN BE PROVIDED FOR DIRECT PHYSICAL LOSS CAUSED BY ANY OF COVERAGE C PERILS. NEED DESCRIPTION OF RECREATIONAL VEHICLE AND THE LIMITS THAT APPLY ATTACH ENDORSEMENT ML-504
Farmers Mutual Insurance Company West Virginia Homeowners Rates
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OPTIONAL PROPERTY COVERAGES
RULE RATE PER AMOUNT OR INSURANCE 7.20 SCHEDULED GLASS COVERAGE FOR SCHEDULED GLASS THAT IS PART OF A BUILDING COVERED UNDER COVERAGE A OR B CAN BE PROVIDED AGAINST ALL RISKS OF DIRECT PHYSICAL LOSS, WITH CERTAIN EXCEPTIONS ATTACH ENDORSEMENT ML-68 7.21 WATER DAMAGE-SEWERS $25.00 PER POLICY DRAINS, AND SUMPS COVERAGE FOR DIRECT PHYSICAL LOSS CAUSED BY WATER THAT BACKS UP THROUGH SEWERS OR DRAINS OR OVERFLOWS FROM A SUMP CAN BE ADDED FOR PROPERTY COVERED UNDER A, B, AND C. $250 DEDUCTIBLE APPLIES AND COVERAGE IS LIMITED TO $5,000. ATTACH ENDORSEMENT ML-208 7.22 LOSS ASSESSMENT 7.22.1 INCREASED LIMIT AMOUNT OF TOTAL RATING INFORMATION INCREASE LIMIT PER POLICY $3,500 $5,000 $4.00 8,500 10,000 6.00 EACH ADD'L $5,000 2.00 THE LIMIT THAT APPLIES TO INCIDENTAL PROPERTY AND LIABILITY COVERAGE CAN BE INCREASED. COVERAGE FOR ASSESSMENTS RESULTING FROM A DEDUCTIBLE IN THE INSURANCE PURCHASED BY THE ASSOCIATION IS LIMITED TO $1,500. NEED AMOUNT OF INCREASE. ATTACH ENDORSEMENT ML-50
Farmers Mutual Insurance Company West Virginia Homeowners Rates
10/97 Page 19
OPTIONAL PROPERTY COVERAGES
RULE RATING INFORMATION 7.22.2 ADDITIONAL LOCATIONS PER POLICY LIMIT $1,500 $8.00 5,000 10.00 10,000 15.00 EACH ADD'L $5,000 2.00 THE INCIDENTAL PROPERTY AND LIABILITY COVERAGE FOR LOSS ASSESSMENT CAN BE EXTENDED TO APPLY TO ADDITIONAL LOCATIONS OWNED OR RENTED BY AN INSURED. SPECIFIC LIMIT APPLIES AT EACH LOCATION. NEED LOCATION AND AMOUNT OF COVERAGE THAT APPLIES FOR EACH PREMISES. ATTACH ENDORSEMENT ML-50 7.22.3 EARTHQUAKE - RATING INFORMATION PER $1,000 OF INSURANCE FRAME ALL OTHERS FORMS 1, 2, AND 3 AND LOSS ASSESSMENT (ML-53) $0.20 $0.40 FORM 4 INCLUDING HIGHER LIMITS OF TENANT'S IMPROVEMENTS AND COVERAGE A 0.15 0.30 RELATED PRIVATE STRUCTURE OPTIONS 0.15 0.30 ATTACH ENDORSEMENT ML-54 *COVERAGE FOR MASONRY VENEER IS OPTIONAL REFER TO ENDORSEMENT. IF THE VENEER EXCLUSION APPLIES, RATE AS "FRAME"; IF NOT, RATE AS ALL OTHERS. ATTACH ENDORSEMENT ML-53 7.23 COVERAGE A OPTION THIS RULE DOES NOT APPLY
Farmers Mutual Insurance Company West Virginia Homeowners Rates
10/97 Page 20
OPTIONAL PROPERTY COVERAGES
RULE RATE PER AMOUNT OF INSURANCE 7.24 GOLF CARTS $0.50 PER $100 FORMS 1, 2, 3, AND 4 COVERAGE FOR DIRECT PHYSICAL LOSS TO SPECIFIED GOLF CARTS CAUSED BY COVERAGE C PERIL OR COLLISION OR OVERTURN CAN BE ADDED. NEED DESCRIPTION AND LIMIT. ATTACH ENDORSEMENT ML-431. 7.25 EXPANDED REPLACEMENT COST THIS RULE DOES NOT APPLY 7.26 ANIMAL COLLISION - $400 LIMIT PER ANIMAL ESTIMATED RATING NO. OF HEAD INFORMATION 1-100 $10.00 101-250 20.00 251-500 30.00 501-1,000 40.00 COVERAGE FOR LOSS BY DEATH TO CATTLE, HORSES, MULES, DONKEYS, HOGS, SHEEP, OR GOATS OWNED BY THE INSURED CAN BE ADDED TO POLICIES THAT INCLUDE FARMING LIABILITY. (MUST HAVE ML-29, FARM LIABILITY OR ML-320, INCIDENTAL FARMING ADDED TO POLICY). ATTACH ENDORSEMENT ML-337
Farmers Mutual Insurance Company
West Virginia Homeowners Rates
OPTIONS LIABILITY COVERAGES
RULE $25 $50 $100 $300 $500 $1MIL $1,000 MED
8.1 INCREASED LIMITS COVERAGE L AND M $0 $0 $14 $21 $26 $31 $3
8.2 REDUCED COVERAGE L LIMIT THIS
RULE DOES NOT APPLY
8.3 REDUCED COVERAGE M LIMIT THIS
RULE DOES NOT APPLY
8.4 THREE AND FOUR FAMILY DWELLINGS THIS
RULE DOES NOT APPLY
8.5 DOMESTIC EMPLOYEES PER EMPLOYEE $3 $4 $5 $6 $7 $3
8.6ADDITIONAL RESIDENCE PREMISES OCCUPIED BY
INSURED $4 $5 $6 $7 $8 $2
8.7ADDITIONAL RESIDENCE PREMISES RENTED TO OTHERS
CHARGE PER FAMILY UNIT $10 $10 $12 $14 $18 $22 $1
ATTACH ENDORSEMENT ML-70
10/2009 Page 21
A CHARGE IS REQUIRED FOR EACH DOMESTIC EMPLOYEE IN EXCESS OF
TWO, IF WORKING MORE THAN HALF OF THE CUSTOMARY FULL TIME; OR
EMPLOYEES TO WHOM THE POLICY'S COVERAGE L EXCLUSION FOR BODILY
INJURY TO PERSONS COVERED OR REQUIRED TO BE COVERED BY
WORKERS COMP. NEED THE NUMBER OF EMPLOYEES.
COVERAGE FOR LIABILITY FOR ALL ADDITIONAL OR SECONDARY
RESIDENCE PREMISES WHERE AN INSURED MAINTAINS AS A RESIDENCE,
OTHER THAN BUSINESS OR FARM PROPERTIES. NEED LOCATIONS OF
ADDITIONAL OR SECONDARY RESIDENCE.
COVERAGE FOR LIABILITY ARISING OUT OF ADDITIONAL ONE TO FOUR
FAMILY DWELLINGS OWNED BY THE INSURED AND RENTED TO OF
ADDITIONAL DWELLINGS AND NUMBER OF FAMILIES AT EACH PREMISES.
LIMITS INCLUDE $1,000 MED MAXIMUM ADD'L IS $5,000
EACH ADD'L
Farmers Mutual Insurance Company West Virginia Homeowners Rates
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OPTIONS LIABILITY COVERAGES LIMITS: INCLUDE $1,000 MED MAXIMUM ADD'L IS $5,000
EACH ADD'L RULE $50 $100 $300 $500 $1MIL $1,000 MED 8.8 PRIVATE STRUCTURES RENTED TO
OTHERS THIS RULE DOES NOT APPLY
8.9 WATERBED LIABILITY FORM 4 ONLY $18 $20 $22 $24 $26 COVERAGE FOR PROPERTY DAMAGE ARISING OUT OF OWNERSHIP OR USE OF A WATERBED ON THE INSURED PREMISES CAN BE ADDED MEDICAL PAYMENTS DOES NOT APPLY. ATTACH ENDORSEMENT ML-209 8.10 BUSINESS ACTIVITIES COVERAGE FOR LIABILITY ARISING OUT OF AN INSURED'S BUSINESS ACTIVITIES, OTHER THAN ACTIVITIES RELATED TO A BUSINESS OF WHICH THE INSURED IS SOLE OWNER OR PARTNER CAN BE ADDED. CLASSIFICATIONS AND RATES ARE BELOW. MAKE CHARGE FOR EACH COVERED PERSON. 8.10.1 CLERICAL $2 $2 $3 $4 $5 $1 ENGAGED WHOLLY IN OFFICE WORK AND HAVING NO OTHER DUTY IN OR ABOUT THE EMPLOYER'S PREMISES. 8.10.2 SALESPERSONS NO INSTALLATION $2 $2 $3 $4 $5 $1 SALESPERSONS, COLLECTORS, OR MESSENGERS. NO INSTALLATION, DEMONSTRATION, OR SERVICE OPERATIONS. 8.10.3 SALESPERSONS WITH INSTALLATION $4 $5 $5 $6 $7 $1 INCLUDES INSTALLATION, DEMONSTRATION, OR SERVICE OPERATIONS. 8.10.4 TEACHERS $9 $9 $11 $13 $15 $1 ATHLETIC, LABORATORY, MANUAL TRAINING, PHYSICAL TRAINING, OR SWIMMING INSTRUCTION, EXCLUDES COVERAGE FOR LIABILITY DUE TO CORPORAL PUNISHMENT OR PUPILS.
Farmers Mutual Insurance Company West Virginia Homeowners Rates
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OPTIONS LIABILITY COVERAGES
LIMITS: INCLUDE $1,000 MED MAXIMUM ADD'L IS $5,000 EACH ADD'L RULE $50 $100 $300 $500 $1MIL $1,000 MED 8.10.5 TEACHERS - NOC $3 $4 $4 $5 $6 $1 EXCLUDES COVERAGE FOR LIABILITY ARISING OUT OF CORPORAL PUNISHMENT OF PUPILS. 8.10.6 CORPORAL PUNISHMENT $4 $4 $5 $6 $7 COVERAGE FOR LIABILITY ARISING OUT OF THE CORPORAL PUNISHMENT OF PUPILS -- MEDICAL PAYMENTS DOES NOT APPLY. THE ADDITIONAL PREMIUM OF THIS CLASSIFICATION MUST BE ADDED TO THE PREMIUM OF CLASSIFICATIONS 8.10.4 OR 8.10.5. MAKE ENTRIES TO SHOW THE NAMES OF THE COVERED PERSONS AND THE BUSINESS ACTIVITIES. IF APPLICABLE, MAKE AN ENTRY TO SHOW IF LIABILITY FOR CORPORAL PUNISHMENT OF PUPILS IS INCLUDED. ATTACH ENDORSEMENT ML-71 8.11 OFFICE PROFESSIONAL, PRIVATE SCHOOL OR STUDIO OCCUPANCY EACH EXPOSURE $8 $10 $12 $13 $15 $2 COVERAGE FOR LIABILITY ARISING OUT OF AN INCIDENTAL OFFICE, PROFESSIONAL, PRIVATE SCHOOL OR STUDIO OCCUPANCY IN THE RESIDENCE, RELATED PRIVATE STRUCTURE OR AT AN ADDITIONAL RESIDENCE PREMISES OCCUPIED BY AN INSURED CAN BE ADDED WHEN: 1. PREMISES ARE OCCUPIED PRINCIPALLY FOR RESIDENTIAL PURPOSES. 2 BUSINESS IS CONDUCTED BY AN INSURED. 3. THERE ARE NO OTHER BUSINESS CONDUCTED ON THE PREMISES. ATTACH ENDORSEMENT ML-42
Farmers Mutual Insurance Company West Virginia Homeowners Rates
10/97 Page 24
OPTIONS LIABILITY COVERAGES
LIMITS: INCLUDE $1,000 MED MAXIMUM ADD'L IS $5,000 EACH ADD'L RULE $50 $100 $300 $500 $1MIL $1,000 MED 8.12 OWNED SNOWMOBILES OFF PREMISES $59 $66 $87 $99 $109 $4 COVERAGE FOR LIABILITY OFF PREMISES OWNED BY AN INSURED WHO RESIDES IN THE NAMED INSUREDS HOUSEHOLD CAN BE ADDED. A SEPARATE CHARGE APPLIES FOR EACH COVERED SNOWMOBILE. NEED DESCRIPTION OF EACH SNOWMOBILE. ATTACH ENDORSEMENT ML-164 8.13 WATERCRAFT EACH OUTBOARD MOTOR 25-50 HP $6 $7 $9 $10 $11 $4 OVER 50 HP 11 12 16 18 20 6 INBOARD OR INBOARD-OUTBOARD MOTORBOATS AND SAILBOATS UNDER 16 MPH LESS THAN 26 FT 14 16 21 24 26 4 26 TO 40 FT 38 42 56 64 70 4 OVER 40 FT 73 81 108 123 135 16 16-30 MPH LESS THAN 26 FT 30 33 44 50 55 6 26 TO 40 FT 59 66 87 99 109 12 OVER 40 FT 110 122 162 185 201 24 OVER 30 MPH LESS THAN 26 FT 73 81 108 123 135 16 26 TO 40 FT 110 122 162 185 203 24 SAILBOATS - NO AUXILIARY POWER 26 TO 40 FT 30 33 44 50 55 6 COVERAGE FOR LIABILITY ARISING OUT OF THE USE OF CERTAIN TYPES OF WATERCRAFT CAN BE ADDED. TO RATE, COMBINE THE HORSEPOWER OF ALL OUTBOARD MOTORS USED TOGETHER WITH ANY SINGLE WATERCRAFT OWNED BY THE INSURED; CLASSIFY SAILBOATS THAT ARE 26 TO 40 FEET (INCLUSIVE) IN LENGTH AND ARE EQUIPPED WITH AUXILIARY POWER AS INBOARD MOTOR BOATS. NEED DESCRIPTION OF EACH COVERED WATERCRAFT. ATTACH ENDORSEMENT ML-75
Farmers Mutual Insurance Company West Virginia Homeowners Rates
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OPTIONS LIABILITY COVERAGES LIMITS: INCLUDE $1,000 MED MAXIMUM ADD'L IS $5,000 EACH ADD'L RULE $50 $100 $300 $500 $1MIL $1,000 MED 8.14 PERSONAL INJURY $10 $13 $17 $19 $21 (DOES NOT INCLUDE MEDICAL PAYMENTS) PERSONAL LIABILITY CAN BE EXTENDED TO INCLUDE COVERAGE FOR PERSONAL INJURY. PERSONAL INJURY MEANS DAMAGES FOR WHICH THE INSURED IS LIABLE AND THAT ARISE OUT OF OFFENSES SUCH AS FALSE ARREST, LIBEL, SLANDER OR INVASION OF PRIVACY OF ANOTHER. ATTACH ENDORSEMENT ML-46 8.15 CARE PROVIDED FOR OTHERS 1-3 PERSONS $118 $131 $174 $198 $214 $4 COVERAGE FOR LIABILITY ARISING OUT OF CARE PROVIDED BY AN INSURED FOR UP TO THREE (3) PERSONS. ATTACH ENDORSEMENT ML-157 8.16 GOLF CART LIABILITY THIS RULE DOES NOT APPLY 8.17 MOTORIZED VEHICLE LIABILITY COVERAGE THIS RULE DOES NOT APPLY 9.1 INCIDENTAL FARMING $18 $20 $26 $30 $33 $2 WHEN FARMING IS NOT THE BUSINESS OF THE INSURED, LIABILITY COVERAGE FOR INCIDENTAL FARMING ACTIVITIES ON OR AWAY FROM PREMISES. INCLUDES ACTIVITIES SUCH AS FARMING OF GARDEN PLOTS, AND GRAZING SMALL NUMBER OF ANIMALS. ATTACH ENDORSEMENT ML-320
Farmers Mutual Insurance Company West Virginia Homeowners Rates
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OPTIONS LIABILITY COVERAGES LIMITS: INCLUDE $1,000 MED MAXIMUM ADD'L IS $5,000 EACH ADD'L RULE $50 $100 $300 $500 $1MIL $1,000 MED 9.2 FARM PERSONAL LIABILITY LIABILITY ARISING OUT OF FARM PREMISES LOCATED AWAY FROM PREMISES. THE FOLLOWING RISK MUST BE APPROVED BY UNDERWRITING BEFORE WRITING. 1. BUSINESS ACTIVITIES OTHER THAN FARMING RE CONDUCTED. 2. FARMS WHERE HORSES ARE RAISED, BOARDED OR MAINTAINED. 3. VACANT OR UNOCCUPIED FARMS. 4. FARMS THAT ARE OPERATED TO SUPPLY AGRICULTURAL COMMODITIES FOR MANUFACTURING OR PROCESSING FOR SALE TO OTHERS. 5. FARMS INVOLVING THE RETAIL SALE PRODUCTS OR FARMS THAT PERMIT THE PICKING OF FRUITS OR VEGETABLE BY THE PUBLIC. 6. INCORPORATED FARMS. CHARGES MUST BE MADE FOR THE INITIAL FARM EXPOSURE AND FOR EACH ADDITIONAL FARM PREMISES OWNED OR RENTED TO AN INSURED. 9.2.1 INITIAL FARM EXPOSURE 1 - 160 ACRES $30 $32 $40 $46 $50 $6 161 - 500 ACRES 40 43 50 57 63 6 OVER 500 ACRES 50 55 62 71 78 6 INITIAL FARM PREMISES, THE LARGEST PARCEL OF FARM LAND WITH OUTBUILDINGS, WHETHER OWNED AND OPERATED BY AN INSURED, OWNED BUT RENTED TO OTHERS, OR RENTED TO AN INSURED. ADDITIONAL FARM PREMISES USED IN CONJUNCTION WITH INITIAL FARM. ATTACH ENDORSEMENT ML-29
Farmers Mutual Insurance Company West Virginia Homeowners Rates
10/97 Page 27
OPTIONS LIABILITY COVERAGES LIMITS: INCLUDE $1,000 MED MAXIMUM ADD'L IS $5,000 EACH ADD'L RULE $50 $100 $300 $500 $1MIL $1,000 MED 9.2.2 EACH ADDITIONAL FARM PREMISES $15 $17 $22 $25 $28 $2 INCLUDES ANY ADDITIONAL FARM PREMISES, WHETHER OWNED & OPERATED BY THE INSURED, RENTED TO OTHERS OR RENTED TO THE INSURED. NEED LOCATION OF EACH ADDITIONAL PREMISES. DWELLINGS LOCATED ON FARM PREMISES OR ADDITIONAL FARM PREMISES ARE TO BE RATED AS ADDITIONAL RESIDENCE PREMISES 9.3 FARM EMPLOYEES FULL TIME-OVER 180 DAYS EACH YEAR; EACH $22 $26 $32 $36 $40 $2 PART TIME-41 TO 180 DAYS PER YEAR; EACH $11 $13 $15 $17 $19 $2 PART TIME-40 DAYS OR LESS PER YEAR; RATING INFORMATION PER 100 MAN-DAYS OR FRACTION THEREOF $5 $5 $7 $8 $9 $2 FOR INJURIES SUSTAINED BY FARM EMPLOYEES DURING THE COURSE OF THEIR EMPLOYMENT. POLICY MUST HAVE ML-29 ATTACHED. NEED NUMBER OF EMPLOYEES AND TIME WORKING. ATTACH ENDORSEMENT ML-311 9.4 CUSTOM FARMING THIS RULE DOES NOT APPLY 9.5 FRUIT OR VEGETABLE "PICK YOUR OWN" OPERATIONS THIS RULE DOES NOT APPLY 9.6 HORSE BOARDING THIS RULE DOES NOT APPLY 9.7 FARM CHEMICAL LIMITED LIABILITY THIS RULE DOES NOT APPLY
FARMERS MUTUAL INSURANCE COMPANY
HOMEOWNERS MANUAL
WEST VIRGINIA
10/97
RULE 3.14.1 COAL MINE SUBSIDENCE COVERAGE Policies providing the fire insurance for structures located in Territory 1, as shown below, must include coverage for loss caused by coal mine subsidence, unless the insured or applicant waives such coverage. Policies covering structures located in Territory 2, as shown below, may include coal mine subsidence insurance at the insured's or applicant's request. Make the additional premium charge shown below. Territory 1 Entire State except for the counties listed in Territory 2 2 Berkeley, Cabell, Calhoun, Hampshire, Hardy, Jackson, Jefferson,
Monroe, Morgan, Pendleton, Pleasants, Ritchie, Roane, Wirt and Wood counties
Amount of Dwelling Non-Dwelling Insurance Structures Structures $10,000 or less $10.00 $20.00 $10,001 to $15,000 11.00 22.00 $15,001 to $20,000 12.00 24.00 $20,001 to $25,000 13.00 26.00 $25,001 to $30,000 14.00 28.00 $30,001 to $35,000 15.00 30.00 $35,001 to $40,000 16.00 32.00 $40,001 to $45,000 17.00 34.00 $45,001 to $50,000 18.00 36.00 $50,001 to $55,000 19.00 38.00 $55,001 to $60,000 20.00 40.00 $60,001 to $65,000 21.00 42.00 $65,001 to $70,000 22.00 44.00 $70,001 to $75,000 23.00 46.00 Attach Endorsement FO-136.
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
1Form 1Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 3 3 3 4 4 4 4 4Add'l
15,000 153 149 211 169 276 204 326 248
16,000 154 150 213 171 279 205 330 251
17,000 155 153 214 173 283 208 333 254
18,000 156 154 215 174 284 210 334 256
19,000 158 155 216 175 286 213 336 259
20,000 159 156 218 176 290 214 340 261
21,000 160 158 219 178 291 215 343 263
22,000 161 159 220 179 294 216 345 265
23,000 164 160 221 183 296 219 346 268
24,000 168 161 225 184 299 220 350 270
25,000 169 163 226 185 300 221 355 271
26,000 171 164 229 186 304 225 358 274
27,000 173 168 230 188 306 229 360 278
28,000 174 169 233 189 308 230 361 279
29,000 175 171 234 190 311 233 364 283
30,000 176 173 235 191 314 234 366 285
31,000 178 174 236 193 316 235 370 289
32,000 179 175 239 195 320 236 373 290
33,000 181 176 241 199 321 240 374 293
34,000 183 178 243 200 325 241 376 294
35,000 184 179 244 201 329 243 381 298
36,000 185 181 245 203 331 244 385 299
37,000 186 183 248 204 334 246 388 303
38,000 188 183 250 206 335 248 391 304
39,000 189 184 254 208 338 251 394 306
40,000 190 185 255 210 341 254 398 308
41,000 191 186 256 211 344 255 400 311
42,000 193 188 259 213 345 259 403 314
43,000 195 189 261 214 349 260 408 315
44,000 199 190 263 215 350 263 413 319
45,000 200 191 264 216 355 264 415 321
46,000 201 193 265 218 358 265 418 323
47,000 203 195 269 219 360 268 420 326
48,000 204 199 270 221 361 270 421 329
49,000 205 200 273 225 364 271 424 331
50,000 206 201 274 226 366 273 428 333
55,000 214 208 285 234 381 283 445 345
60,000 220 215 294 241 394 293 458 359
65,000 233 226 309 254 414 306 480 374
70,000 243 236 323 268 431 321 505 393
75,000 254 245 338 278 451 335 525 410
80,000 268 261 358 294 476 356 556 431
85,000 283 274 375 308 503 373 585 455
90,000 296 289 394 323 528 393 615 479
95,000 311 303 415 340 553 414 646 503
100,000 325 315 431 356 595 430 675 524
01/01/2003Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
2Form 1Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 3 3 3 3 5 4 5 4Add'l
25,000 173 160 231 199 330 265 384 326
26,000 174 161 234 200 333 270 386 330
27,000 175 163 235 201 335 273 390 333
28,000 176 166 239 203 336 278 393 334
29,000 178 168 240 204 340 280 398 336
30,000 179 169 243 205 343 285 400 340
31,000 181 171 245 206 345 286 403 343
32,000 183 173 248 208 349 290 405 345
33,000 184 174 251 210 351 291 413 346
34,000 185 175 255 211 356 294 415 350
35,000 186 176 259 213 359 296 418 355
36,000 188 178 260 214 361 298 420 358
37,000 189 179 263 215 364 300 423 360
38,000 190 181 264 218 365 303 428 363
39,000 191 183 268 219 369 305 430 365
40,000 193 184 269 220 371 306 434 369
41,000 195 185 270 221 374 309 436 371
42,000 198 186 273 225 376 311 441 374
43,000 200 188 274 229 381 314 445 376
44,000 201 189 278 230 385 315 448 381
45,000 203 190 279 231 388 319 450 385
46,000 204 191 280 233 390 320 453 388
47,000 205 193 284 234 393 323 458 390
48,000 206 198 285 235 395 325 461 393
49,000 208 199 289 236 399 329 465 395
50,000 210 200 290 239 401 330 468 399
51,000 211 201 291 240 404 333 489 401
52,000 213 203 294 241 408 334 508 404
53,000 215 205 296 243 410 336 529 405
54,000 216 206 299 244 414 338 549 410
55,000 218 208 300 245 416 341 569 414
56,000 219 210 303 246 419 344 574 416
57,000 220 211 305 248 421 345 576 419
58,000 221 214 306 251 423 349 580 420
59,000 225 215 309 254 426 350 583 423
60,000 226 216 311 255 429 355 588 426
65,000 236 226 326 268 450 371 654 448
70,000 246 235 341 280 474 389 684 468
75,000 259 245 358 294 494 400 715 493
80,000 273 256 375 308 521 428 760 518
85,000 289 268 398 326 549 450 805 545
90,000 303 278 418 343 578 474 850 573
95,000 316 289 436 360 605 495 904 600
100,000 331 299 456 375 633 519 946 629
105,000 345 314 473 391 663 543 976 650
110,000 361 330 488 405 693 565 1,006 674
01/01/2003Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
3Form 1Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 3 3 4 3 5 4 6 5Add'l
35,000 216 199 271 236 390 309 545 394
36,000 218 200 273 239 393 313 549 398
37,000 219 201 276 240 395 314 553 400
38,000 221 204 278 243 399 316 558 404
39,000 225 205 280 244 401 319 563 408
40,000 226 206 283 245 404 321 568 413
41,000 229 208 285 246 408 325 573 415
42,000 230 210 286 248 413 326 576 419
43,000 231 211 290 251 416 330 580 421
44,000 234 213 291 254 419 331 585 426
45,000 235 214 294 255 421 334 589 429
46,000 236 215 296 256 424 336 594 431
47,000 239 216 299 259 428 340 596 435
48,000 241 218 300 261 430 341 598 438
49,000 243 219 304 263 434 344 601 443
50,000 244 220 305 264 436 346 604 445
51,000 245 221 306 268 441 350 609 448
52,000 246 226 309 270 444 351 615 450
53,000 248 228 311 273 448 356 623 453
54,000 250 230 314 276 450 358 629 456
55,000 251 231 315 279 453 360 634 460
56,000 255 233 319 280 456 363 638 463
57,000 256 234 320 280 460 364 644 465
58,000 259 236 323 283 463 366 648 471
59,000 260 239 325 283 465 369 653 474
60,000 263 240 329 284 468 371 658 476
61,000 265 243 331 286 474 374 664 480
62,000 268 244 334 290 478 379 673 486
63,000 270 246 336 291 481 384 678 491
64,000 271 248 340 294 488 388 686 495
65,000 274 251 343 298 491 390 693 501
66,000 278 254 345 300 495 393 699 505
67,000 280 256 349 304 501 398 704 509
68,000 283 259 355 305 505 400 709 515
69,000 285 261 358 308 509 404 715 519
70,000 289 263 360 311 515 408 720 523
75,000 300 274 374 326 536 429 753 549
80,000 316 289 395 343 568 450 794 576
85,000 334 304 418 361 600 475 838 606
90,000 350 320 438 381 629 499 881 636
95,000 366 335 460 399 659 521 921 668
100,000 386 350 480 418 690 546 965 701
105,000 400 365 504 431 720 569 1,001 731
110,000 416 381 525 448 751 593 1,040 761
115,000 430 395 549 463 781 614 1,079 791
120,000 446 413 573 478 811 636 1,116 821
01/01/2003Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
4Form 1Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 4 4 5 5 6 5 6 6Add'l
6,000 55 54 63 59 71 68 78 69
7,000 59 58 70 66 80 73 85 76
8,000 63 61 76 71 86 80 93 84
9,000 69 68 83 78 95 85 100 90
10,000 73 71 88 84 101 90 109 99
11,000 78 76 95 89 110 98 115 106
12,000 83 81 100 96 116 103 124 114
13,000 86 85 106 101 125 110 130 121
14,000 90 89 113 109 131 115 139 129
15,000 96 95 119 114 140 121 146 138
16,000 100 99 125 120 148 128 154 145
17,000 104 103 130 126 155 133 160 153
18,000 110 109 138 131 161 140 169 159
19,000 114 113 143 139 171 146 176 168
20,000 119 116 149 145 178 153 184 175
21,000 124 121 155 150 185 158 190 183
22,000 128 126 160 156 191 163 200 189
23,000 131 130 168 161 201 171 206 199
24,000 138 134 174 169 208 176 214 205
25,000 141 140 179 175 215 183 220 213
26,000 146 145 185 181 221 188 230 219
27,000 150 149 190 186 231 193 236 229
28,000 155 154 199 191 239 201 244 235
29,000 159 158 204 200 245 206 251 243
30,000 163 161 210 205 254 213 260 250
31,000 169 168 215 211 261 218 268 259
32,000 174 173 220 216 269 225 274 265
33,000 178 176 229 221 276 231 283 273
34,000 183 181 234 230 284 236 290 280
35,000 186 185 240 235 291 243 298 289
36,000 190 189 245 241 299 248 305 296
37,000 195 193 251 246 306 255 313 304
38,000 201 200 259 254 314 261 320 311
39,000 205 204 264 260 321 268 329 319
40,000 210 208 270 265 330 273 335 326
41,000 214 213 276 271 336 279 343 334
42,000 218 216 283 278 344 285 350 341
43,000 221 220 289 284 351 291 359 349
44,000 229 226 294 290 360 298 365 358
45,000 233 231 300 296 366 304 373 364
46,000 236 235 306 303 374 309 381 371
47,000 241 240 313 308 384 315 389 379
48,000 245 244 319 314 390 321 395 388
49,000 250 248 325 320 398 329 403 394
50,000 255 254 331 326 404 334 413 401
01/01/2003Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
1Form 2Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 3 3 3 5 5 5 5 5Add'l
15,000 179 176 248 198 325 239 384 291
16,000 180 178 249 201 329 241 388 296
17,000 181 179 251 203 331 245 390 298
18,000 184 180 253 204 333 246 393 300
19,000 186 181 255 205 338 249 396 304
20,000 188 184 256 206 341 251 399 308
21,000 189 186 258 209 343 253 403 310
22,000 190 188 261 210 346 255 408 314
23,000 194 189 263 215 348 258 409 315
24,000 196 190 264 216 351 261 414 318
25,000 198 193 265 219 355 263 416 320
26,000 201 194 270 220 358 264 420 324
27,000 203 196 271 221 360 270 424 326
28,000 204 198 274 223 363 271 425 329
29,000 205 201 275 224 366 274 428 331
30,000 206 203 278 228 369 275 431 334
31,000 209 204 279 229 373 278 435 340
32,000 210 205 280 230 376 279 439 341
33,000 214 206 284 233 380 283 440 345
34,000 215 209 286 235 383 284 443 346
35,000 216 210 288 236 385 286 450 349
36,000 219 214 289 238 389 288 453 351
37,000 220 215 291 239 393 290 456 356
38,000 221 215 294 244 394 291 461 358
39,000 223 216 298 245 398 296 465 360
40,000 224 219 299 246 400 298 468 363
41,000 228 220 300 248 406 299 470 366
42,000 229 221 304 249 408 304 475 369
43,000 230 223 308 251 411 305 479 371
44,000 233 224 310 253 414 310 484 375
45,000 235 228 313 255 416 313 486 380
46,000 236 229 314 256 420 314 491 381
47,000 238 230 316 258 424 315 494 384
48,000 239 233 318 263 425 318 496 385
49,000 241 235 321 264 428 320 500 389
50,000 244 236 324 265 431 321 504 390
55,000 251 245 334 275 450 331 524 408
60,000 261 253 346 284 465 345 538 423
65,000 274 265 365 298 485 360 566 440
70,000 286 279 381 315 509 380 595 463
75,000 298 289 398 326 533 394 619 483
80,000 315 308 420 346 561 418 655 509
85,000 331 324 441 363 593 439 689 535
90,000 348 340 465 381 620 463 724 564
95,000 366 356 486 399 651 485 759 593
100,000 383 371 509 418 700 508 794 618
01/01/2003Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
2Form 2Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 3 3 3 3 6 5 6 5Add'l
25,000 203 189 273 233 388 314 451 384
26,000 204 190 275 235 390 318 454 388
27,000 205 193 278 236 394 321 459 390
28,000 206 195 280 238 396 326 463 393
29,000 209 196 283 239 399 330 468 396
30,000 210 198 286 241 403 334 470 399
31,000 214 201 289 244 408 338 475 403
32,000 215 203 291 245 411 341 478 408
33,000 216 204 296 246 415 343 484 409
34,000 219 205 299 248 418 346 486 414
35,000 220 206 304 249 423 348 491 416
36,000 221 209 305 251 425 349 494 420
37,000 223 210 310 253 428 355 499 424
38,000 224 214 313 256 430 356 504 426
39,000 228 215 315 258 434 359 508 430
40,000 229 216 316 261 436 360 510 434
41,000 230 219 318 263 440 365 513 436
42,000 231 220 321 264 443 366 519 440
43,000 235 221 324 270 450 369 524 443
44,000 236 223 326 271 453 371 526 450
45,000 238 224 329 273 456 375 530 453
46,000 239 228 330 274 459 376 534 456
47,000 241 229 333 275 463 381 538 459
48,000 244 231 334 278 466 383 541 463
49,000 245 233 340 279 469 385 548 466
50,000 246 235 341 280 473 388 551 469
51,000 248 236 343 283 476 390 575 473
52,000 249 238 346 284 479 393 599 476
53,000 253 241 348 286 483 396 621 478
54,000 255 244 351 288 485 398 646 483
55,000 256 245 355 289 490 400 670 485
56,000 258 246 356 290 493 406 674 490
57,000 261 248 359 291 496 408 678 493
58,000 263 251 360 296 499 411 683 494
59,000 264 253 365 298 503 414 688 499
60,000 265 255 366 299 505 416 691 503
65,000 279 265 384 315 530 436 770 526
70,000 290 278 400 330 559 458 806 551
75,000 304 289 420 346 580 470 841 579
80,000 321 300 441 363 614 504 894 609
85,000 340 315 468 384 646 530 946 641
90,000 356 326 491 403 679 559 1,001 673
95,000 373 340 513 424 713 583 1,064 705
100,000 389 351 536 441 745 610 1,114 740
105,000 408 369 555 461 781 638 1,149 765
110,000 425 388 573 478 815 664 1,184 793
01/01/2003Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
3Form 2Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 3 3 5 3 6 5 8 6Add'l
35,000 255 233 320 279 459 365 641 465
36,000 256 235 321 280 463 368 646 468
37,000 258 236 325 283 466 369 651 470
38,000 263 239 326 286 469 373 656 476
39,000 264 241 330 288 473 375 663 479
40,000 265 244 331 289 476 380 669 484
41,000 270 245 334 290 479 383 673 486
42,000 271 246 338 291 484 384 678 493
43,000 273 248 341 296 490 388 683 496
44,000 275 249 343 298 493 389 689 503
45,000 278 251 346 299 496 393 695 505
46,000 279 253 348 300 500 396 699 509
47,000 280 255 351 304 504 399 703 511
48,000 284 256 355 308 508 400 704 516
49,000 286 258 358 310 510 406 706 520
50,000 288 261 359 313 513 409 711 524
51,000 289 263 360 315 519 414 716 526
52,000 290 265 365 318 521 415 724 530
53,000 291 266 366 321 526 418 733 534
54,000 294 271 369 325 530 420 740 536
55,000 296 273 371 329 534 424 746 540
56,000 299 274 375 330 536 426 751 545
57,000 300 275 376 330 540 428 756 548
58,000 304 279 381 331 545 431 761 554
59,000 305 280 383 331 548 434 768 559
60,000 310 283 385 333 551 436 773 561
61,000 314 286 389 338 559 440 783 566
62,000 315 288 393 341 563 448 791 571
63,000 318 290 396 343 568 451 798 578
64,000 320 291 399 346 573 456 808 583
65,000 324 296 403 349 578 459 815 589
66,000 326 298 408 355 583 463 823 595
67,000 330 300 411 358 589 468 828 601
68,000 331 304 416 359 595 470 835 605
69,000 334 308 420 363 601 476 841 610
70,000 340 310 424 366 605 479 849 615
75,000 355 324 440 384 631 505 885 646
80,000 373 340 466 403 669 530 935 678
85,000 393 358 491 425 705 560 986 714
90,000 414 376 516 450 740 586 1,036 750
95,000 431 394 540 469 774 614 1,085 788
100,000 454 414 566 491 813 644 1,136 824
105,000 470 430 594 509 849 670 1,180 860
110,000 490 450 619 526 884 698 1,224 895
115,000 508 466 646 545 919 723 1,269 933
120,000 525 484 673 563 954 750 1,315 966
01/01/2003Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
4Form 2Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 4 4 6 6 8 6 8 8Add'l
6,000 65 63 76 69 84 80 91 83
7,000 69 66 83 79 93 86 99 91
8,000 76 71 90 85 100 94 109 99
9,000 80 78 96 93 110 100 118 109
10,000 84 81 105 99 120 109 126 118
11,000 88 85 111 108 128 115 136 126
12,000 93 90 120 114 138 124 145 136
13,000 96 94 126 123 146 131 153 145
14,000 100 98 135 129 154 139 161 153
15,000 106 101 141 138 164 146 173 161
16,000 110 108 149 145 174 153 180 173
17,000 114 111 155 151 181 160 189 180
18,000 120 115 164 159 190 169 198 189
19,000 124 121 173 168 200 176 206 198
20,000 128 125 179 175 208 183 216 206
21,000 133 129 186 181 218 190 225 216
22,000 138 135 194 189 228 198 234 225
23,000 141 139 201 196 235 205 243 234
24,000 146 143 208 204 244 214 250 243
25,000 150 148 216 210 253 220 261 250
26,000 154 151 224 219 263 229 270 261
27,000 159 155 231 228 271 235 278 270
28,000 164 160 238 234 279 243 288 278
29,000 169 166 245 241 289 249 296 288
30,000 174 170 253 248 298 258 304 296
31,000 178 175 261 256 305 265 315 304
32,000 181 179 269 264 316 273 324 315
33,000 186 183 275 271 325 279 331 324
34,000 190 188 284 278 333 288 340 331
35,000 195 191 290 286 343 294 349 340
36,000 200 196 298 293 351 301 359 349
37,000 204 201 304 300 360 310 368 359
38,000 208 205 314 308 369 318 376 368
39,000 214 209 320 316 379 325 385 376
40,000 218 215 328 324 386 331 394 385
41,000 221 219 334 330 395 339 404 394
42,000 228 224 343 338 406 346 413 404
43,000 231 229 349 345 414 355 421 413
44,000 235 233 358 353 423 361 429 421
45,000 239 236 365 360 431 369 439 429
46,000 244 241 373 368 440 376 448 439
47,000 248 245 380 375 450 384 456 448
48,000 253 249 386 383 458 390 466 456
49,000 258 255 394 389 468 398 475 466
50,000 263 259 403 396 476 408 483 475
01/01/2003Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
1Form 3Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 4 4 4 5 5 5 5 5Add'l
15,000 186 183 259 206 339 249 400 304
16,000 189 184 261 209 341 251 404 310
17,000 190 186 263 210 345 255 409 311
18,000 191 189 264 214 346 256 410 314
19,000 193 190 266 215 351 261 413 318
20,000 195 191 269 218 356 263 416 320
21,000 196 193 270 219 359 264 420 324
22,000 198 195 271 220 361 266 424 326
23,000 203 196 274 224 363 270 425 328
24,000 205 198 275 225 368 271 430 331
25,000 206 200 276 228 369 274 434 333
26,000 209 203 280 229 373 275 438 338
27,000 210 205 283 231 375 280 440 340
28,000 214 206 285 233 376 283 443 341
29,000 215 209 288 234 381 285 445 345
30,000 218 210 289 235 384 288 451 348
31,000 219 214 290 238 388 289 454 355
32,000 220 215 291 239 394 290 458 356
33,000 221 218 296 243 395 294 459 360
34,000 224 219 298 245 398 296 463 361
35,000 225 220 299 246 403 298 468 366
36,000 228 221 301 248 406 299 471 368
37,000 229 224 304 249 410 303 475 370
38,000 231 224 305 253 411 304 480 373
39,000 233 225 311 255 415 310 483 375
40,000 234 228 313 256 418 311 486 376
41,000 235 229 314 259 423 313 490 381
42,000 238 231 318 261 424 318 494 384
43,000 239 233 320 263 429 319 500 386
44,000 243 234 324 264 430 324 505 390
45,000 245 235 325 266 434 325 509 395
46,000 246 238 326 269 438 326 511 396
47,000 248 239 330 270 440 328 516 400
48,000 249 243 331 274 443 331 518 403
49,000 251 245 334 275 445 333 521 406
50,000 253 246 338 276 451 334 524 409
55,000 263 255 348 288 468 345 546 424
60,000 271 264 361 296 483 360 561 439
65,000 285 276 380 311 508 375 589 459
70,000 298 290 396 328 530 395 620 481
75,000 311 301 415 340 554 411 645 504
80,000 328 320 438 361 585 436 681 530
85,000 345 338 461 376 616 458 716 559
90,000 363 355 483 396 646 481 755 588
95,000 381 370 509 416 678 508 793 616
100,000 398 386 530 436 729 528 828 644
01/01/2003Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
2Form 3Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 4 4 4 4 6 5 6 5Add'l
25,000 210 196 284 243 404 326 469 400
26,000 214 198 288 245 409 331 473 404
27,000 215 200 289 246 411 334 479 409
28,000 218 204 291 248 413 340 481 410
29,000 219 205 294 249 416 344 486 413
30,000 220 206 298 251 420 348 490 416
31,000 221 209 301 253 424 351 494 420
32,000 224 210 304 255 429 356 498 424
33,000 225 214 310 256 431 359 505 425
34,000 228 215 313 259 436 361 509 430
35,000 229 218 318 261 439 363 511 434
36,000 231 219 319 263 443 366 516 438
37,000 233 220 324 264 445 369 519 440
38,000 234 221 325 269 448 370 524 444
39,000 235 224 328 270 453 374 528 448
40,000 238 225 330 271 455 375 531 453
41,000 239 228 331 274 459 380 535 455
42,000 241 229 334 275 463 381 539 459
43,000 245 231 338 280 468 384 546 463
44,000 246 233 340 283 471 386 550 468
45,000 248 234 341 284 475 390 553 471
46,000 249 235 344 285 479 394 558 475
47,000 251 238 346 288 481 396 561 479
48,000 253 241 348 289 485 398 565 481
49,000 255 243 355 290 489 403 571 485
50,000 256 245 356 291 493 404 574 489
51,000 259 246 359 294 496 409 600 493
52,000 261 248 361 296 500 410 623 496
53,000 264 251 363 298 504 413 649 498
54,000 266 253 368 299 508 415 673 504
55,000 269 255 369 301 510 418 699 508
56,000 270 256 370 303 514 423 703 510
57,000 271 259 374 304 518 424 706 514
58,000 274 263 375 310 519 429 713 516
59,000 275 264 380 311 523 430 715 519
60,000 276 266 381 313 525 434 720 523
65,000 290 276 400 328 553 455 801 550
70,000 303 289 418 344 580 476 840 574
75,000 318 301 438 361 606 490 878 604
80,000 334 314 461 376 640 524 933 634
85,000 355 328 486 400 673 553 986 668
90,000 370 340 511 420 709 580 1,043 701
95,000 388 355 535 440 743 608 1,109 736
100,000 406 368 560 461 775 635 1,160 770
105,000 424 384 579 480 813 664 1,196 798
110,000 443 404 596 498 850 693 1,234 825
01/01/2003Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
3Form 3Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 4 4 5 4 6 5 8 6Add'l
35,000 266 243 333 290 479 380 668 483
36,000 269 245 334 291 481 383 673 486
37,000 270 246 339 294 485 384 678 490
38,000 274 249 340 298 489 388 684 496
39,000 275 251 344 299 493 390 691 500
40,000 276 253 345 301 496 395 696 505
41,000 280 255 348 303 500 398 701 509
42,000 283 256 351 304 505 400 706 514
43,000 284 259 356 310 510 404 713 518
44,000 288 261 359 311 514 406 716 523
45,000 289 263 361 313 518 410 723 525
46,000 290 264 363 314 521 413 728 530
47,000 291 266 368 318 524 416 730 533
48,000 296 269 369 320 528 418 734 536
49,000 298 270 373 324 531 423 738 541
50,000 299 271 374 325 535 425 741 546
51,000 301 274 375 328 539 430 748 550
52,000 303 276 380 331 545 431 755 553
53,000 304 278 381 334 550 436 764 558
54,000 305 283 384 339 553 438 770 560
55,000 310 284 386 341 558 440 778 564
56,000 313 285 390 344 560 444 784 566
57,000 314 288 394 344 564 445 788 571
58,000 318 290 396 345 566 451 794 578
59,000 319 291 398 345 571 453 800 580
60,000 324 294 403 346 574 455 806 585
61,000 326 298 406 351 580 459 814 589
62,000 328 299 410 356 586 466 823 595
63,000 331 303 413 359 593 469 830 603
64,000 333 304 416 361 596 475 841 608
65,000 338 310 420 366 603 479 850 615
66,000 340 311 424 369 608 481 856 620
67,000 344 314 429 373 615 486 863 624
68,000 345 318 434 374 620 490 869 630
69,000 348 320 438 376 624 496 878 635
70,000 355 324 440 381 630 500 884 643
75,000 369 338 459 400 659 525 923 673
80,000 388 355 485 420 696 553 975 706
85,000 410 373 511 443 736 581 1,028 744
90,000 430 394 536 468 770 610 1,081 781
95,000 451 411 564 489 808 640 1,130 820
100,000 473 430 589 511 848 670 1,183 858
105,000 490 448 618 530 884 699 1,229 896
110,000 510 468 645 550 921 726 1,275 934
115,000 528 485 673 566 958 753 1,323 971
120,000 548 505 701 586 995 781 1,369 1,006
01/01/2003Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
4Form 3Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 4 4 6 6 8 6 8 8Add'l
6,000 65 63 76 69 84 80 91 83
7,000 69 66 83 79 93 86 99 91
8,000 76 71 90 85 100 94 109 99
9,000 80 78 96 93 110 100 118 109
10,000 84 81 105 99 120 109 126 118
11,000 88 85 111 108 128 115 136 126
12,000 93 90 120 114 138 124 145 136
13,000 96 94 126 123 146 131 153 145
14,000 100 98 135 129 154 139 161 153
15,000 106 101 141 138 164 146 173 161
16,000 110 108 149 145 174 153 180 173
17,000 114 111 155 151 181 160 189 180
18,000 120 115 164 159 190 169 198 189
19,000 124 121 173 168 200 176 206 198
20,000 128 125 179 175 208 183 216 206
21,000 133 129 186 181 218 190 225 216
22,000 138 135 194 189 228 198 234 225
23,000 141 139 201 196 235 205 243 234
24,000 146 143 208 204 244 214 250 243
25,000 150 148 216 210 253 220 261 250
26,000 154 151 224 219 263 229 270 261
27,000 159 155 231 228 271 235 278 270
28,000 164 160 238 234 279 243 288 278
29,000 169 166 245 241 289 249 296 288
30,000 174 170 253 248 298 258 304 296
31,000 178 175 261 256 305 265 315 304
32,000 181 179 269 264 316 273 324 315
33,000 186 183 275 271 325 279 331 324
34,000 190 188 284 278 333 288 340 331
35,000 195 191 290 286 343 294 349 340
36,000 200 196 298 293 351 301 359 349
37,000 204 201 304 300 360 310 368 359
38,000 208 205 314 308 369 318 376 368
39,000 214 209 320 316 379 325 385 376
40,000 218 215 328 324 386 331 394 385
41,000 221 219 334 330 395 339 404 394
42,000 228 224 343 338 406 346 413 404
43,000 231 229 349 345 414 355 421 413
44,000 235 233 358 353 423 361 429 421
45,000 239 236 365 360 431 369 439 429
46,000 244 241 373 368 440 376 448 439
47,000 248 245 380 375 450 384 456 448
48,000 253 249 386 383 458 390 466 456
49,000 258 255 394 389 468 398 475 466
50,000 263 259 403 396 476 408 483 475
01/01/2003Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
1Form 4Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 4 4 5 5 6 6 8 8Add'l
15,000 190 186 264 215 344 256 409 313
16,000 191 189 266 218 346 259 411 318
17,000 193 190 269 219 348 263 415 319
18,000 195 191 270 221 355 264 416 324
19,000 196 193 271 224 356 269 420 325
20,000 198 195 274 225 360 270 424 328
21,000 200 196 275 228 361 274 425 330
22,000 205 198 276 229 366 275 430 333
23,000 206 200 280 233 368 280 431 334
24,000 210 203 283 234 370 283 436 339
25,000 214 205 284 235 373 285 438 340
26,000 215 206 285 238 375 288 440 344
27,000 219 209 288 239 380 289 444 346
28,000 220 214 290 243 384 291 451 348
29,000 224 215 291 245 388 294 454 355
30,000 225 218 294 246 394 296 458 359
31,000 228 220 296 248 396 298 463 361
32,000 231 221 299 249 400 299 469 363
33,000 233 225 301 253 404 303 476 368
34,000 235 228 304 255 409 304 481 369
35,000 238 231 305 256 411 305 486 373
36,000 239 233 310 259 415 310 493 375
37,000 245 234 311 261 418 313 498 381
38,000 246 238 311 263 423 314 508 384
39,000 249 239 313 264 425 319 511 390
40,000 251 243 314 266 430 320 518 395
41,000 253 245 319 269 434 324 524 398
42,000 256 246 324 270 438 326 531 404
43,000 259 249 325 274 440 328 539 409
44,000 263 251 328 275 444 331 548 413
45,000 264 253 331 276 448 333 554 416
46,000 269 255 334 280 454 334 561 420
47,000 271 256 339 283 459 338 568 424
48,000 276 261 344 285 468 340 578 429
49,000 283 263 346 288 473 341 585 431
50,000 285 264 351 289 479 344 593 436
55,000 304 275 373 298 508 360 629 458
60,000 326 288 394 334 531 374 665 480
65,000 345 296 413 359 561 395 703 504
70,000 368 304 434 373 595 413 741 524
75,000 386 314 455 386 618 430 778 548
80,000 409 326 479 403 640 454 814 585
85,000 429 340 500 416 663 476 851 606
90,000 448 360 524 431 684 500 890 629
95,000 469 376 550 445 706 524 926 656
100,000 489 396 573 461 748 548 963 679
01/01/2003Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
2Form 4Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 10 5 11 5 10 8 11 8Add'l
25,000 228 220 290 283 416 339 483 415
26,000 231 221 291 284 420 341 486 418
27,000 234 224 294 288 424 344 490 423
28,000 239 225 298 289 425 346 494 425
29,000 245 228 299 291 430 348 498 430
30,000 248 229 301 294 434 355 504 434
31,000 251 231 304 296 438 359 521 438
32,000 255 233 311 299 440 360 536 440
33,000 261 234 314 301 444 363 558 443
34,000 264 235 320 304 448 366 573 445
35,000 269 238 325 305 453 369 593 451
36,000 271 239 330 311 458 373 606 454
37,000 276 243 334 313 466 375 621 458
38,000 283 246 339 318 471 380 635 459
39,000 288 248 344 319 479 383 651 463
40,000 290 249 348 324 483 386 665 468
41,000 294 251 356 326 486 395 673 471
42,000 299 253 361 331 490 404 678 475
43,000 303 255 366 334 496 411 686 476
44,000 310 256 370 340 500 420 693 480
45,000 313 259 375 344 505 429 700 483
46,000 318 264 381 345 516 438 705 486
47,000 324 270 386 348 525 444 710 493
48,000 326 275 390 351 536 454 716 496
49,000 331 283 396 356 550 461 723 504
50,000 334 288 403 359 560 471 729 508
51,000 339 289 406 360 564 475 738 516
52,000 344 290 411 363 566 479 744 525
53,000 346 291 415 366 573 481 751 535
54,000 355 294 420 369 578 485 758 548
55,000 359 296 424 370 580 489 766 558
56,000 361 298 430 373 593 498 781 560
57,000 368 299 436 375 604 509 795 564
58,000 370 303 439 376 616 518 811 566
59,000 375 304 444 381 629 525 825 571
60,000 380 305 451 383 640 535 841 574
65,000 403 324 476 403 671 594 915 640
70,000 406 359 504 420 703 621 990 670
75,000 429 374 528 439 736 681 1,045 700
80,000 451 395 554 463 825 720 1,101 739
85,000 476 415 580 486 868 759 1,155 821
90,000 498 454 606 514 911 798 1,213 906
95,000 521 458 631 536 956 838 1,268 953
100,000 545 479 659 561 1,000 919 1,335 998
105,000 600 508 723 589 1,055 956 1,401 1,034
110,000 656 533 788 618 1,113 993 1,465 1,071
01/01/2003Revised
Coverage Amount Masonry
Farmer Mutual Insurance Company Homeowner Rates
3Form 4Territory
Frame
Protection Class 1 - 7
MasonryFrame
Protection Class 8
MasonryFrame
Protection Class 9
MasonryFrame
Protection Class 10
1,000 6 5 6 5 10 8 11 10Add'l
35,000 301 271 338 334 489 416 693 500
36,000 304 276 341 338 493 420 699 505
37,000 311 283 345 340 496 423 703 509
38,000 314 288 351 341 504 425 709 514
39,000 320 290 356 345 508 429 714 518
40,000 325 296 361 346 510 431 719 521
41,000 328 298 368 348 521 436 726 524
42,000 333 299 370 355 531 439 729 528
43,000 338 303 375 356 546 443 736 533
44,000 341 304 380 360 558 445 739 536
45,000 345 305 384 361 566 451 744 541
46,000 348 310 390 366 571 454 751 546
47,000 356 313 396 368 578 458 758 551
48,000 360 314 404 370 580 459 765 554
49,000 366 319 410 373 586 463 771 560
50,000 369 320 415 375 589 468 780 564
51,000 373 324 420 376 594 476 794 574
52,000 376 325 425 381 600 485 809 586
53,000 381 328 434 383 603 496 825 596
54,000 386 330 439 386 608 508 841 608
55,000 390 331 444 388 610 516 855 620
56,000 395 338 451 390 616 531 861 623
57,000 400 341 455 395 620 548 865 629
58,000 404 348 463 396 624 564 876 631
59,000 410 356 469 400 629 579 880 638
60,000 413 361 475 403 631 595 885 643
61,000 416 366 480 406 646 601 904 656
62,000 423 369 485 410 663 606 923 670
63,000 425 373 493 415 676 610 940 681
64,000 431 375 498 418 693 618 960 699
65,000 436 380 505 423 706 623 978 710
66,000 439 383 511 425 714 634 989 726
67,000 444 386 519 430 719 644 998 741
68,000 448 390 524 436 728 656 1,006 753
69,000 454 395 531 439 734 664 1,018 769
70,000 458 398 539 443 741 674 1,028 784
75,000 480 439 574 461 773 716 1,070 819
80,000 504 463 609 486 865 758 1,131 864
85,000 524 486 646 514 913 800 1,191 908
90,000 548 514 684 539 961 841 1,254 956
95,000 568 536 720 565 1,005 883 1,311 1,003
100,000 593 561 758 593 1,053 921 1,403 1,048
105,000 629 589 795 620 1,109 966 1,466 1,104
110,000 665 618 834 646 1,164 1,013 1,530 1,160
115,000 703 645 869 674 1,220 1,060 1,598 1,218
120,000 741 673 906 703 1,275 1,105 1,663 1,273
01/01/2003Revised
Coverage Amount
Farmer Mutual Insurance CompanyPreferred Double Wide Mobile Homeowners
1Territory
Protection Class 1 - 7
Protection Class 8
Protection Class 9
Protection Class 10
3Form No
15,000 215 279 406 558
16,000 217 282 408 566
17,000 221 284 413 570
18,000 222 289 417 575
19,000 227 291 422 580
20,000 228 293 424 583
21,000 230 297 427 590
22,000 232 299 431 597
23,000 235 301 437 601
24,000 237 302 439 607
25,000 238 307 444 611
26,000 242 309 447 615
27,000 245 311 450 620
28,000 246 315 452 629
29,000 248 316 457 635
30,000 250 321 460 638
31,000 255 323 463 643
32,000 256 325 467 649
33,000 261 328 469 653
34,000 262 331 475 662
35,000 265 332 477 667
36,000 266 335 480 670
37,000 270 337 483 675
38,000 271 340 490 681
39,000 275 343 492 685
40,000 276 345 495 695
41,000 278 347 499 698
42,000 281 350 505 704
43,000 282 354 508 708
44,000 288 358 512 714
45,000 289 360 514 721
46,000 291 362 519 726
47,000 292 363 522 729
48,000 294 367 527 731
49,000 297 369 531 735
50,000 299 373 536 738
55,000 308 386 553 774
60,000 321 403 573 802
65,000 335 420 600 846
70,000 352 439 629 881
75,000 367 459 653 919
80,000 389 483 695 971
85,000 407 511 733 1,021
90,000 427 537 767 1,076
95,000 449 562 803 1,126
100,000 469 585 844 1,180
10/01/2003Revised
Coverage Amount
Farmer Mutual Insurance CompanyPreferred Double Wide Mobile Homeowners
2Territory
Protection Class 1 - 7
Protection Class 8
Protection Class 9
Protection Class 10
3Form No
15,000 222 287 419 576
16,000 224 291 423 582
17,000 229 294 425 586
18,000 230 298 429 592
19,000 233 299 434 597
20,000 234 302 438 601
21,000 237 304 441 608
22,000 239 308 443 614
23,000 241 311 451 619
24,000 244 312 454 625
25,000 246 316 456 629
26,000 248 319 459 633
27,000 252 320 462 640
28,000 254 325 467 647
29,000 256 326 471 654
30,000 257 330 473 658
31,000 263 332 476 662
32,000 265 334 482 667
33,000 268 337 485 673
34,000 269 341 488 681
35,000 272 342 490 686
36,000 273 345 494 690
37,000 277 347 498 696
38,000 280 351 503 702
39,000 283 352 506 706
40,000 285 356 510 714
41,000 286 359 515 719
42,000 289 360 519 725
43,000 291 365 523 729
44,000 296 367 528 737
45,000 298 371 530 741
46,000 299 373 533 748
47,000 300 374 538 751
48,000 303 377 543 754
49,000 304 381 547 757
50,000 308 384 551 759
55,000 317 397 569 798
60,000 330 413 590 827
65,000 345 430 618 871
70,000 361 454 647 906
75,000 377 472 673 946
80,000 399 498 714 1,000
85,000 420 525 755 1,053
90,000 441 553 789 1,110
95,000 460 580 828 1,160
100,000 485 603 868 1,214
10/01/2003Revised
Coverage Amount
Farmer Mutual Insurance CompanyPreferred Double Wide Mobile Homeowners
3Territory
Protection Class 1 - 7
Protection Class 8
Protection Class 9
Protection Class 10
3Form No
15,000 231 300 438 602
16,000 233 304 441 610
17,000 239 306 445 614
18,000 241 311 449 618
19,000 243 313 454 624
20,000 244 316 458 628
21,000 247 319 460 634
22,000 251 320 463 642
23,000 252 325 471 647
24,000 255 326 473 654
25,000 256 330 477 658
26,000 260 333 481 662
27,000 263 337 484 668
28,000 265 339 486 677
29,000 268 341 491 683
30,000 270 346 495 688
31,000 274 347 498 692
32,000 276 351 503 698
33,000 281 352 506 703
34,000 282 355 511 712
35,000 285 358 514 716
36,000 286 360 516 723
37,000 289 363 519 727
38,000 291 367 527 733
39,000 296 369 529 738
40,000 298 372 533 746
41,000 299 374 538 753
42,000 303 376 543 758
43,000 304 382 546 763
44,000 309 384 551 770
45,000 311 386 555 775
46,000 313 390 558 781
47,000 315 391 562 785
48,000 317 395 568 788
49,000 319 398 572 790
50,000 320 402 576 794
55,000 332 415 595 833
60,000 346 432 616 863
65,000 360 451 646 911
70,000 380 473 677 946
75,000 395 494 703 989
80,000 417 519 746 1,044
85,000 439 549 789 1,100
90,000 460 577 826 1,160
95,000 482 605 866 1,213
100,000 506 632 909 1,270
10/01/2003Revised
Coverage Amount
Farmer Mutual Insurance CompanyPreferred Double Wide Mobile Homeowners
4Territory
Protection Class 1 - 7
Protection Class 8
Protection Class 9
Protection Class 10
3Form No
15,000 242 315 456 628
16,000 243 317 460 634
17,000 248 319 463 641
18,000 251 325 469 645
19,000 255 326 473 651
20,000 256 329 477 655
21,000 257 333 481 662
22,000 260 334 484 670
23,000 263 338 490 676
24,000 267 341 495 681
25,000 268 345 498 686
26,000 272 348 501 692
27,000 274 351 504 697
28,000 276 354 508 706
29,000 281 355 514 712
30,000 282 360 516 718
31,000 286 361 520 723
32,000 289 367 525 728
33,000 291 368 529 735
34,000 294 371 532 744
35,000 298 372 534 748
36,000 299 376 540 754
37,000 302 380 542 758
38,000 303 384 549 766
39,000 309 385 553 771
40,000 311 387 556 780
41,000 312 391 560 784
42,000 316 394 567 790
43,000 317 398 569 797
44,000 324 400 575 803
45,000 325 403 577 809
46,000 326 406 582 815
47,000 328 410 586 818
48,000 332 412 592 823
49,000 333 415 598 826
50,000 334 419 601 829
55,000 346 432 620 870
60,000 360 452 644 901
65,000 376 471 675 952
70,000 395 495 706 988
75,000 412 515 735 1,032
80,000 437 542 780 1,089
85,000 458 573 824 1,148
90,000 481 602 861 1,210
95,000 503 632 902 1,264
100,000 529 659 946 1,325
10/01/2003Revised