DWELLING AND FARM PROPERTIES MANUAL

1 FARMERS MUTUAL INSURANCE COMPANY DWELLING AND FARM PROPERTIES MANUAL AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES MANUAL WEST VIRGINIA 1986 AAIS TABLE OF CONTENTS GENERAL RULES Eligibility Definitions Program Description Policywriting Instructions Premium Determination Additional Hazards Optional Coverages - DWELLING Property Optional Coverages - Farm Property STATE PAGES Exceptions Additional or Special Provisions Premuim Tables AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES MANUAL WEST VIRGINIA 1986 Index 1 AAIS INDEX Rules Page Added Animal Additional Assignment or Blanket Borrowed Machinery and Broad Building or fire Buildings Under Classification Definitions DWELLING , Extended Coverage Extension or Extra Farm Property fire Department Service Forms, Basic and Heating in Farm Increased Insulation, Urethane or Minimum Policy Minimum Mobile Mobile Home, Optional Coverages - DWELLING Farm Outdoor Owner-Occupied, Peak Season AMERICAN ASSOCIATION OF INSURANCE SERVICES DWELLING AND FARM PROPERTIES MANUAL WEST VIRGINIA 1986 Index 2 AAIS Personal Property in Other Than Policywriting Premium Determination - Program Rate Revisions, Seasonal Townhouse or Row Vacancy or Weight of Ice, Snow or FARMERS MUTUAL INSURANCE COMPANY DWELLING fire PROGRAM UNDERWRITING RULES & AUTHORITIES 1.

2 BINDING AUTHORITY A. You may bind coverage for any risk meeting the underwriting rules outlined in this MANUAL . However, binding authority cannot exceed the following Maximum DWELLING coverage amount $150,000 Maximum liability amount $300,000 No more than 5 dwellings per policy If policy is in commercial name: must be written in commercial lines B. Minimum DWELLING coverage amount Broad form $25,000 Basic form $10,000 2. STRUCTURE A. Foundation Broad form: Continuous solid foundation Basic form: Block pier or wood post acceptable B. Heat Basic form: Space heat acceptable Broad form: Floor furnace or circulating heat acceptable up to $60,000 Central heat (thermostatically controlled, vented in every room) required for value in excess of $60,000 C. Occupancy Basic or Broad form: 1 & 2 family dwellings acceptable No student housing D. Electric Broad form: Breaker box required Basic form: Fuses acceptable E.

3 Roof Basic or Broad form: Shingle, Metal or Rolled roofing Rev. 7/11 DF-1 F. Plumbing Basic or Broad form: Plastic or Copper acceptable G. DWELLING Dwellings under construction or complete renovation: Must be written at Basic, Seasonal, Frame rates until completed Hybrid dwellings w/solid foundation: Broad form acceptable Hybrid dwellings w/pier foundation & skirting: Basic form acceptable (Hybrid DWELLING : mobile home with room additions) Basic form: Seasonal property (no VMM) 3. RISK CRITERIA A. Check with underwriting on risks requiring exceptions B. Mailed applications: completed with signatures, payment & photos of all insured structures On line applications: All screens completed, payment information & photos (retain signature in your office) C. When extending liability to other structures photos are required D. In situations where individuals are co-habiting, all individuals must be shown on the policy as named insured s E.

4 Liability & med pay are optional & may be added for an additional premium. GL70 is used for 5 acres or less. GL71 is used for acreage in excess of 5. An additional charge is made for each separate tract of land. Location of each additional tract is required F. If liability & med pay are added: Handrails required on all steps of 4 or more risers In ground pools must be fenced & locked Above ground pools must be enclosed w/railing, gated & locked or lockable gate or property fenced w/lockable gate. G. Mortgagees: No more than 2 per item Rev 7/11 DF-2 F. Plumbing Basic or Broad form: Plastic or Copper acceptable G. DWELLING Dwellings under construction or complete renovation: Must be written at Basic, Seasonal, Frame rates until completed Hybrid dwellings w/solid foundation: Broad form acceptable Hybrid dwellings w/pier foundation & skirting: Basic form acceptable (Hybrid DWELLING : mobile home with room additions) Basic form: Seasonal property (no VMM) 3.

5 RISK CRITERIA A. Check with underwriting on risks requiring exceptions B. Mailed applications: completed with signatures, payment & photos of all insured structures On line applications: All screens completed, payment information & photos (retain signature in your office) C. When extending liability to other structures photos are required D. In situations where individuals are co-habiting, all individuals must be shown on the policy as named insured s E. Liability & med pay are optional & may be added for an additional premium. GL70 is used for 5 acres or less. GL71 is used for acreage in excess of 5. An additional charge is made for each separate tract of land. Location of each additional tract is required F. If liability & med pay are added: Handrails required on all steps of 4 or more risers In ground pools must be fenced & locked Above ground pools must be enclosed w/railing, gated & locked or lockable gate or property fenced w/lockable gate. G. Mortgagees: No more than 2 per item Rev 7/11 DF-2 4.

6 WOOD STOVE GUIDELINES A. Wood stoves vented into a metal UL approved triple wall 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 stove must accompany application 5. UNACCEPTABLE RISKS OR EXPOSURES A. Vacant or unoccupied dwellings B. Wood stoves or kerosene heat as sole source of heat C. Vicious dogs, including any dog that has bitten previously or any risk with the following: Rottweiler, Pit Bull, Doberman Pinscher, German Shepherd, Chow, Akita or any dog mixed with these. D. Existence of trampoline, broken steps, missing handrails or unfenced pools E. Applicants who have been canceled, non-renewed or declined by another company in the last 5 years F. Applicants who have had a total loss or theft claim G.

7 Check with underwriting if applicant has had any losses H. Wood stoves in mobile homes or their additions Rev 7/11 DF-3 FARMERS MUTUAL INSURANCE COMPANY DWELLING fire MOBILE HOME PROGRAM UNDERWRITING RULES & AUTHORITIES 1. ELIGIBILITY A. Limit of insurance: Mobile home age - Current & 3 prior years may be written for the purchase price with a copy of the bill of sale All others must be written for current NADA value plus additions Additions: Porches (w/roof) $15 per sq. ft. Decks $10 per sq. ft. Rooms $30 per sq. ft. B. Maximum coverage limit $125,000 1979 & older mobile homes $25,000 C. Minimum coverage limit Broad form $20,000 (not offered on mobile homes 1979 & older) D. Fireplaces Factory installed fireplaces acceptable with a 20% surcharge. NO wood burning stoves E. Liability limit $300,000 maximum 2. RISK CRITERIA A. Check with underwriting on risks requiring exceptions B. Mailed applications: completed with signatures, payment & photos of all insured structures On line applications: All screens completed, payment information & photos (retain signature in your office) C.

8 When extending liability to other structures photos are required D. In situations where individuals are co-habitating , all individuals must be shown on the policy as named insured s Rev 6/12 DFMH - 1 E. Liability & med pay are optional & may be added for an additional premium. The GL-70 is used for 5 acres or less. The GL-71 is used for acreage in excess of 5. An additional charge is made for each separate tract of land. The location of each additional tract is required. If liability & med are added: Handrails required on all steps of 4 or more risers In ground pools must be fenced & locked Above ground pools must be enclosed w/railing, gated & locked or lockable gate or property fenced w/lockable gate F. Mortgages No more than 2 per item G. No student housing 3. UNACCEPTABLE RISKS OR EXPOSURES A. Wood stoves or kerosene space heat as any sole or supplemental source of heat B. Vacant or unoccupied mobile homes C. Vicious dogs: including any dog that has bitten previously or any risk with the following: Rottweiler, Pit Bull, Doberman Pincher, German shepherd, Chow, Akita or any dog mixed with these (If liability is attached to policy) D.

9 Existence of a trampoline, broken steps, missing handrails or unfenced pools. (If liability is attached to policy). E. Applicants who have been canceled, non-renewed or declined by another company in the last 5 years F. Applicants who have had a total loss or theft claim G. Check with underwriting if applicant has had any losses Rev 6/12 DFMH - 2 DWELLING fire AND FARM PROPERTIES PROGRAM WEST VIRGINIA LISTING OF FORMS AND ENDORSEMENTS ED. 11-13 FMIC - 1 - The forms and endorsements approved for use under this program may vary from state to state. This listing identifies the editions of forms and endorsements that apply in this state. An x , if shown below, identifies an item that does not apply in most other states. Check the state-specific listing to determine the forms and endorsements approved for use in another state. FORMS Number Edition Eff Date FL-1 11/01/94 Basic Form FL-2 11/01/94 Broad Form FL-6 11/01/94 Farm Coverage FL-20 11/01/94 Policy Conditions (use only when FL-1 or FL-2 DOES NOT apply) MANDATORY ENDORSEMENTS Number Edition Eff Date CL-300 12/01/96 Amendatory Endorsement CL 0317 05 05 x 07/06/05 Flood Coverage Notice - West Virginia (Filing not required)

10 FL-410 03/01/98 Calendar Date or Time Failure Exclusion FL 0440 08 10 04/01/11 Water Exclusion Endorsement FL 0452 05 03 01/01/04 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage FL 0671 05 03 01/01/04 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage FL 0675 10 06 04/01/07 Virus Or Bacteria Exclusion FL 1428 04 08 12/01/08 War And Military Action Exclusion FL 5402 10 12 07/17/13 Amendments to DWELLING Coverage s including exclusion of Recreational Vehicles FL 5500 09 13 10/17/13 Amended Vandalism or Malicious Mischief and Burglary Damage Exclusions (Controlled Substance Exclusion) ML-101 12-79 x 11/01/94 Required fire Form CONDITIONAL ENDORSEMENTS - SEE RULES Number Edition Eff Date CL 0334 10 07 x 06/01/08 Coal Mine Subsidence Coverage Part Non- DWELLING Structure - West Virginia CL 0335 10 07 x 06/01/08 Coal Mine Subsidence Coverage Part DWELLING Structure - West Virginia OTHER ENDORSEMENTS Number Edition Eff Date FL-12 11/01/94 Earthquake FL-14 11/01/94 Insurance By More Than One Company FL-15 11/01/94 Coverage C - Higher Limit of Liability on Certain Property FL-25 07/01/93 Consent to Move Mobile Home FL-26 07/01/93 Collision or Upset Coverage FL-27 07/01/93 Additional Secured Party s Interest FL-41 07/01/93 Additional Interest FL-60 07/01/93 Debris Removal DWELLING fire AND FARM PROPERTIES PROGRAM