HOMEOWNERS PROGRAM MANUAL 1.0 TEXAS

1 United Property & Casualty Insurance Company TEXAS homeowner PROGRAM MANUAL HOMEOWNERS PROGRAM MANUAL TEXAS New Business Effective 4/1/2017 Renewal Business Effective 6/1/2017 UNITED INSURANCE MANAGEMENT, LLC Managing General Agent NB Eff 4/1/2017 RB Eff 6/1/2017 1 Ed. 3/8/2017 United Property & Casualty Insurance Company TEXAS homeowner PROGRAM MANUAL GENERAL RULES Rule 100. Coverage Limits 100 1 Rule 105. Binding Authority 105 1 Rule 110. Cancellation or Reduction in Limits of Liability or Coverage 110 1 Rule 115.

2 Construction Definitions 115 1 Rule 120. Minimum Premium 120 1 Rule 125. Multiple Company Insurance 125 1 Rule 130. Policy Term 130 1 Rule 135. Premium Calculation 135 1 Rule 140. Previous Cancellations / Non-Renewals 140 1 Rule 145. Protection Class Information 145 1 Rule 150. Renewal 150 1 Rule 155. Insurable Interests 155 1 Rule 160. Transfer or Assignment 160 1 Rule 165. Waiver of Premium 165 1 Rule 170. Occupancy 170 1 Rule 175. Additional Fees and Credits 175 1 Rule 180. Mandatory Endorsements 180 1 LIMITS AND DEDUCTIBLES Rule 200.

3 Coverage A Dwelling 200 1 Rule 210. Coverage B Other Structures 210 1 Rule 220. Coverage C Personal Property 220 1 Rule 230. Coverage D Loss of Use 230 1 Rule 240. Section II Limits 240 1 Rule 250. Deductibles 250 1 PAYMENT PLANS & PAYMENT TYPE DISCOUNTS Rule 300. Payment Plans 300 1 Rule 310. Payment Type Discount 310 1 DISCOUNTS & SURCHARGES Rule 400. Maximum Discounts 400 1 Rule 410. Age of Home 410 1 Rule 420. Age and Marital Status of Named Insured 420 1 Rule 440. Companion Policy Discount 440 1 Rule 460.

4 Hip Roof Discount 460 1 Rule 470. IBHS / WPI-8 Discount 470 1 Rule 480. Limited Water Damage Coverage 480 1 Rule 490. Non-Structural Hail Loss Limitation Endorsement 490 1 Rule 500. Number of Stories 500 1 Rule 520. Fire Protective Devices Discount 520 1 Rule 530. Secured Community / Theft Discount 530 1 Rule 540. Wind Opening Protection 540 1 Rule 550. Windstorm or Hail Exclusion 550 1 Rule 580. Open Foundation Surcharge 580 1 Rule 590. Wood Burning Stove Surcharge 590 1 ADDITIONAL COVERAGE OPTIONS Rule 600.

5 Additional Amounts of Coverage A 600 1 Rule 610. Animal Liability Buyback Endorsement 610 1 NB Eff 4/1/2017 RB Eff 6/1/2017 1 Ed. 3/8/2017 United Property & Casualty Insurance Company TEXAS homeowner PROGRAM MANUAL Rule 630. Equipment Breakdown Coverage 630 1 Rule 640. Functional Replacement Cost Loss Settlement 640 1 Rule 650. Golf Cart Physical Damage & Liability Coverage 650 1 Rule 660. Home Computer Coverage 660 1 Rule 670. Identity Theft Expense & Resolution Services Coverage 670 1 Rule 680.

6 Inflation Guard 680 1 Rule 690. Limited Fungi or Microbes Coverage 690 1 Rule 700. Limited Water Back-Up and Sump Discharge or Overflow Coverage 700 1 Rule 710. Ordinance or Law Coverage 710 1 Rule 720. Other Insured Location Occupied By Insured 720 1 Rule 730. Other Members of a Named Insured's Household 730 1 Rule 740. Other Structures Increased Limits 740 1 Rule 750. Other Structures Rented to Others Residence Premises 750 1 Rule 760. Outboard Motors & Watercraft 760 1 Rule 770. Personal Injury Coverage 770 1 Rule 780.

7 Personal Property Increased Special Limits of Liability 780 1 Rule 790. Personal Property Replacement Cost Loss Settlement 790 1 Rule 800. Personal Property Scheduled 800 1 Rule 810. Premier Endorsement 810 1 Rule 820. Premier Plus Endorsement 820 1 Rule 830. Premier Condominium Endorsement 830 1 Rule 840. Refrigerated Personal Property 840 1 Rule 850. Renter Occupied Surcharge 850 1 Rule 860. Residence Held In Trust 860 1 Rule 870. Special Coverage 870 1 Rule 880. Student Away from Home 880 1 Rule 890.

8 Supplemental Loss Assessment Coverage 890 1 Rule 920. Additional Residence Rented to Others 920 1 Rule 930. Dwelling Foundation Coverage 930 1 Rule 940. Residence Employees 940 1 Rule 945. Water Damage Coverage 945 1 RATING TIER Rule 950. Rating Tier Determination 950 1 Rule 960. Tier Factors 960 1 PREMIUM COMPUTATION Rule 1010. Base Rates 1010 1 Rule 1020. Policy Form Rating Factor 1020 1 Rule 1030. Protection Class / Construction Factors 1030 1 Rule 1040. Key Factors 1040 1 HO 3 & HO 5 1040 1 HO 4 1040 1 HO 6 1040 1 TERRITORY Rule 1100.

9 Territory Definitions and Rate Factors 1100 1 All Other Perils Territory Relativities 1100 1 Territory Definitions 1100 2 Hurricane Territory Relativities 1100 8 Distance to Coast ZIP Code Relativities 1100 8 Tornado / Hail ZIP Code Relativities 1100 40 NB Eff 4/1/2017 RB Eff 6/1/2017 2 Ed. 3/8/2017 United Property & Casualty Insurance Company TEXAS homeowner PROGRAM MANUAL GENERAL RULES Rule 100. COVERAGE LIMITS Coverage See HO 00 03 & HO 00 05 HO 00 04 HO 00 06 Rule Policy includes 10% $5,000 Coverage of Cov C for A to $1,000,000 A Dwelling* $1,000,000* 200 Building Additions Coverage A and C & Alterations combined 2%, 10%, 15% and 20% of Coverage A.

10 210, B Other Structures n/a n/a Additional limits 620 available beyond 10% 0% to 75% of Coverage $10,000 to $10,000 to C Contents 220 A $150,000* $500,000* 10%, 20% or 30% of 30% of Coverage D Loss of Use 30% of Coverage C 230 Coverage A A E Personal Liability $100,000, $300,000 or $500,000 240 F Medical Payments $1,000, $2,500 and $5,000 240 *Limits in excess of maximum value must be approved by underwriting prior to binding. NB Eff 4/1/2017 RB Eff 6/1/2017 HO 100 1 Ed. 1/23/2017 United Property & Casualty Insurance Company TEXAS homeowner PROGRAM MANUAL Rule 105.