FARM

1 Minnesota New Business 04-01-18 North Star Mutual Ins. Co. NSFP TC1 Renewals 04-01-18 farm TABLE OF CONTENTS ITEM NSFP PAGE Billing Procedure .. 2 Classifications .. 6-13 Class A-1 Residence (Delux Dwelling) .. 8 Underwriting Requirements .. 8 Class A-2 Dwellings .. 9 Class A-3 Mobile Homes .. 9 Class A-5 Residence (Delux Dwelling Plus) .. 6-7 Coverages .. 6 Eligibility and Underwriting Requirements .. 6-7 Standard Limits of Insurance .. 6 Class E Scheduled farm Personal Property .. 9 Class F Unscheduled farm Personal Property.

2 9 Collapse - Due to Weight of Ice, Snow or Sleet .. 13 Cosmetic Damage Caused by Hail .. 13 G-1 Outbuilding Class - (Preferred Outbuildings of Highest Utility) .. 10 G-2 Outbuilding Class - (Above Average Outbuildings) .. 11 G-3 Outbuilding Class - (Standard Outbuildings) .. 12 Hoop Buildings .. 13 H Outbuilding Class - (Special Hazard and Low Value Outbuildings) .. 13 Miscellaneous Property Class .. 13 Combination Package Policy (CPP) .. 1 Companion Policy Discount .. 5 Company Procedure and Policy .. 1 3, 28 farm Underwriting Guidelines for the Producing Agent.

3 2 General Agent .. 1 General Policy Provision Form .. 14-15 Combination Package Policy - TP1 General Policy Provisions .. 14-15 Coverages .. 14 Perils We Insure Against .. 14 Optional Coverages (Located in TP1) .. 15 Property Coverage .. 15 Location of Risk Modifiers .. 4 Metal Roof Discount Dwellings .. 5 Minimum Written Premium .. 2 New/Upgraded Home Component Discount .. 4-5 Optional Coverages .. 16-25 Actual Cash Value Loss Settlement Windstorm or Hail Losses to Roofs (A-1 & A-5 Dwellings) .. 16 Added Perils for Refrigerated Food Products.

4 16 Additional Insured (Property Coverage only) .. 16 Amended Failure To Match (A-1 & A-5 Dwellings) .. 16 Amended Theft Expanded Coverage .. 16 Backup of Sewers, Drains or Sump Systems .. 16 Blizzard .. 16 Building Under Construction .. 24 Cab Glass .. 18 Collapse - Weight of Ice, Snow or Sleet .. 16 Collision or Overturn of Mobile Home .. 17 Collision of Irrigation Equipment .. 25 Consent to Move Mobile Home .. 17 Cosmetic Damage Caused by Hail .. 13 Debris Removal .. 17 Deferred Loss Payment .. 17 Minnesota New Business 04-01-18 North Star Mutual Ins.

5 Co. NSFP TC2 Renewals 04-01-18 farm TABLE OF CONTENTS CONTINUED ITEM NSFP PAGE Optional Coverages (Continued) Earthquake .. 17 Enhancement Endorsements .. 24 Expanded Collision &/or Overturn .. 17 Expanded Collision &/or Overturn Plus .. 17 Expanded Replacement Cost Coverage Coverage A (Special Dwelling Only) .. 25 Expanded Vehicle Damage .. 17 Equipment Breakdown Coverage see Installed Equipment Breakdown Coverage .. 19 farm Extra Expense .. 17 farm Operations Records Expense .. 18 Identity Theft Protection.

6 18 Increased Percentage Household Personal Property Outside Dwelling .. 19 Inland Marine .. 19 Installed Equipment Breakdown Coverage .. 19 Leased, Rented or Borrowed farm Machinery, Vehicles, & Equipment of Others .. 19 Liability .. 19 Limited Fungus, Bacteria, Wet Rot, or Dry Rot Coverage .. 24 Livestock Confinement Coverage .. 20 Underwriting Requirements .. 20 Loss Due to By-Products from Production or Processing Products Exclusion .. 24 Loss of Income .. 21 Loss of Income (Poultry Buildings) .. 21 Loss of Use or Income.

7 21 Metal Roof Discount Dwellings .. 5 Modified Replacement Cost (Coverage A) .. 22 Non-Depreciation of Repairs .. 21 Non-Depreciation of Repairs to Irrigation Equipment .. 25 Peak Season Inventory farm Personal Property .. 21 Recreational Equipment .. 21 Replacement Cost Coverage .. 21 Replacement Cost Endorsement Household Personal Property .. 21 Replacement Cost Coverage (Modified) for Dwellings .. 22 Restriction of Individual Policies .. 22 Scheduled Cab Glass .. 22 Secured Party's Interest .. 22 Short Term Leased Equipment.

8 22 Special Extension of Coverage for Livestock (Suffocation) .. 22 Special Form - Dwelling .. 22 Special Form farm Machinery, Equipment and Tools .. 23 Special Form Household Personal Property .. 23 Special Form G-2 Outbuildings .. 23 Special Package of Coverages .. 23 Super Star Credit .. 23 Theft Coverage Extension Construction Materials and Supplies (Coverage A or G) .. 24 Underground Service Line Coverage .. 25 Policy Period .. 2 Producing Agent .. 1 Roof Surface Replacement Cost Factor .. 5 Wood Shingle Surcharge (Dwellings).

9 5 RATE PAGES "Delux Dwelling Plus" Program .. 26 Delux Dwelling Program .. 27-28 Rate Chart - Classes A-2, A-3, E, F, G-1, G-1S, G-2, G-2S, G-3, Misc. Prop. Cov., H .. 28-29 Optional Coverages .. 30-31 Wood Shingle Surcharge .. 30 Minnesota New Business 04-01-15 North Star Mutual Ins. Co. NSFP - 1 Renewals 04-01-15 farm COMBINATION PACKAGE POLICY (CPP) With this program, Township Mutual coverages are packaged with North Star Mutual Wind. Liability and Inland Marine coverages may also be endorsed to this policy.

10 It is delivered as one policy with one premium billing. GENERAL AGENT The General Agency coordinates the packaging, premium billing, and premium collection on package policy business. The duty of coordinating package policies includes reviewing and underwriting applications as well as assembling the package policy and inserting the Township Mutual forms. The General Agent should work in the Township Mutual office on a daily basis in order to properly supervise the General Agent s duties. The packaging Township Mutual and North Star Mutual agree on who will be the General Agent for the Township Mutual, and the appointed General Agent signs a General Agents agreement with North Star Mutual.