HOMEOWNERS PROGRAM MANUAL – FLORIDA

1 United Property & Casualty Insurance Company APPROVED. HOMEOWNERS MANUAL Date Re ceived: Date Of Action: 1/19/2016 04/20/2016. FL OFFICE OF INSUR. ANCE REGULATION. UNITED PROPERTY & CASUALTY. INSURANCE COMPANY. HOMEOWNERS . PROGRAM MANUAL FLORIDA . New Business Effective 5/7/2016. Renewal Business Effective 6/22/2016. UNITED INSURANCE MANAGEMENT, LC. Managing General Agent UPC FLORIDA HO MANUAL 5/16. 1. United Property & Casualty Insurance Company HOMEOWNERS MANUAL . Underwriting Guidelines 1. Coverages, Forms and Limits Available .. HO-1-1. 2. Deductible Options .. HO-2-1. 3. General Underwriting Requirements .. HO-3-1. 4. Ineligible Risks A. Property Type and Characteristics .. HO-4-1. B. Location .. HO-4-1. C. Occupancies .. HO-4-2. D. Applicant Characteristics and Loss History .. HO-4-2. E. Liability Exposures .. HO-4-2. 5. Binding Authority .. HO-5-1. 6. Application and Submission Requirements.

2 HO-6-1. 7. Loss Settlement Conditions .. HO-7-1. 8. Payment Plans .. HO-8-1. 9. Individual Insurance Financial Scoring .. HO-9-1. General Rules 100. Description of HO-100-1. 110. Mandatory Coverages .. HO-110-1. 120. Eligibility .. HO-120-1. 130. Secondary Residence Premises .. HO-130-1. 140. Seasonal Dwelling Definition .. HO-140-1. 150. Policy Period .. HO-150-1. 160. Protection Classification Codes and Information .. HO-160-1. 170. Method of Payment .. HO-170-1. 180. Changes or Cancellations .. HO-180-1. 190. Construction Definitions .. HO-190-1. 195. HardieBoard / Hardiplank Credit .. HO-195-1. 200. Single Building Definition .. HO-200-1. 210. Minimum Premium .. HO-210-1. 220. MANUAL Premium Revision .. HO-220-1. 230. Transfer or HO-230-1. 240. Waiver of Premium .. HO-240-1. 250. Whole Dollar Premium HO-250-1. 260. Restriction of Individual Policies .. HO-260-1. 300. Base Premium Computation.

3 HO-300-1. 310. Ordinance or Law Coverage .. HO-310-1. 400. Superior Construction .. HO-400-1. 410. Townhouse or Rowhouse HO 00 03 Only .. HO-410-1. 420. Personal Property (Coverage C) Valuation Replacement Cost/Actual Cash Value .. HO-420-1. 430. Protective Devices .. HO-430-1. 440. Deductibles .. HO-440-1. 450. Additional Amounts of Insurance HO 00 03 Only .. HO-450-1. 455. Coverage B Limit Factor HO 00 03 Only .. HO-455-1. 460. Actual Cash Value Loss Settlement Windstorm or Hail Losses to Roof Surfacing All Forms Except HO 00 04 .. HO-460-1. 470. Older Home Surcharge HO 00 03 Only .. HO-470-1. 475. Year of Construction Rate Factor HO 00 03 Only .. HO-475-1. 476. Water Damage Exclusion HO 00 03 and HO 00 06 Only .. HO-476-1. 477. Limited Water Damage Coverage HO 00 03 and HO 00 06 Only .. HO-477-1. 480. Loss/Claim Free Renewal Credit HO 00 03 Only .. HO-480-1. 490. Inflation Guard HO 00 03 Only.

4 HO-490-1. 500. Business Property Increased Limits .. HO-500-1. 510. Credit Card, Fund Transfer Card, Forgery and Counterfeit Money .. HO-510-1. 520. Fire Department Service Charge .. HO-520-1. 530. Form HO 00 06 Coverage A Dwelling Basic and Increased Limits and Special Coverage .. HO-530-1. 540. Form HO 00 06 Units Regularly Rented To Others .. HO-540-1. 550. Permitted Incidental Occupancies Residence Premises .. HO-550-1. 560. Special Computer Coverage .. HO-560-1. UPC FLORIDA HO MANUAL 12/14. 09/08/14 I. United Property & Casualty Insurance Company HOMEOWNERS MANUAL . General Rules (Continued). 565. Equipment Breakdown Coverage HO 00 03 & HO 00 06 Only .. HO-565-1. 570. Loss Assessment Coverage .. HO-570-1. 580. Other Structures .. HO-580-1. 585. Flood Policy Credit .. HO-585-1. 590. Refrigerated Personal Property .. HO-590-1. 600. Personal Property Increased and Reduced Limits.

5 HO-600-1. 610. Scheduled Personal Property .. HO-610-1. 615. Limited Screen Enclosure and Carports Coverage HO 00 03 Only..HO-615-1. 620. Golf Cart Physical HO-620-1. 630. Water Back Up and Sump Overflow .. HO-630-1. 640. Water Loss Prevention Credit .. HO-640-1. 645. Limited Fungi Property Coverage .. HO-645-1. 650. Windstorm or Hail Exclusion Base Premium Credit .. HO-650-1. 655. Identity Theft Restoration and Expense Coverage .. HO-655-1. 660. Hurricane Premium Split .. HO-660-1. 665. Sinkhole Coverage .. HO-665-1. 670. Windstorm Resistive Features of Residential Construction .. HO-670-1. 675. Evacuation HO-675-1. 680. Building Code Effectiveness Grading .. HO-680-1. 700. Premier Protective Endorsement HO 00 03 Only .. HO-700-1. 710. Premier Protective Plus Endorsement HO 00 03 Only .. HO-710-1. 720. Premier Protective Condominium Endorsement HO 00 06 HO-720-1. 730. Premier Mini-Farm Endorsement HO 00 03 Only.

6 HO-730-1. 800. Basic and Increased Limits Residence Premises .. HO-800-1. 810. Other Structures Rented to Others Residence Premises .. HO-810-1. 820. Permitted Incidental Occupancies Residence Premises .. HO-820-1. 830. Golf Cart Liability ..HO-830-1. 840. Personal Injury .. HO-840-1. 850. Animal Liability Limited Coverage .. HO-850-1. 860. Limited Fungi Liability Coverage .. HO-860-1. Fees and Surcharges 900. Policy Fee .. HO-900-1. 910. Emergency Management Preparedness and Assistance Trust Fund Surcharge .. HO-910-1. 920. FLORIDA Insurance Guarantee Association Assessment .. HO-920-1. 930. Citizens Assessment Recoupment .. HO-930-1. Territory Definitions AOP Territory Definitions and ISO Territory Reference Table .. HO-T-1. Wind Territory Definitions Table .. HO-T-4. Rate Tables 300. Base Premium Determination Table Index .. HO-T-12. A. AOP Base Class Premium Table All Forms.

7 HO-T-13. Wind Base Class Premium/Wind Exclusion Credit Table HO 00 HO-T-14. Wind Base Class Premium/Wind Exclusion Credit Table HO 00 04 & HO 00 06 ..HO-T-15. C. Protection/Construction Factors HO 00 03 .. HO-T-16. AOP Key Factor Table H0 00 03 .. HO-T-17. Wind Key Factor Table H0 00 03 .. HO-T-18. E. Protection/Construction Factors HO 00 04 .. HO-T-19. F. Key Factor Table H0 00 04 .. HO-T-20. G. Protection/Construction Factors HO 00 06 .. HO-T-21. H. Key Factor Table H0 00 06 .. HO-T-22. I. Sinkhole Exclusion Table HO 00 03 .. HO-T-23. 660. Hurricane Premium Split Table .. HO-T-24. 680. Building Code Effectiveness Grading Credit Tables .. HO-T-25. UPC FLORIDA HO MANUAL 12/14. 09/08/14 II. United Property & Casualty Insurance Company HOMEOWNERS MANUAL . UNDERWRITING GUIDELINES. 1. Coverages, Forms and Limits HO 00 03 HOMEOWNERS Policy HO 00 04 Tenant HOMEOWNERS Policy HO 00 06 Condominium Unit Owners Policy The limits available under this PROGRAM are: Section I Property Coverages COVERAGE HO-3 HO-4 HO-6.

8 $100,000 Minimum $5,000 Minimum A Dwelling N/A. $1,500,000 Maximum $300,000 Maximum 2% of Coverage A. - can be increased to 10%. B Other Structures - can be increased to 5% N/A N/A. - can be decreased to 1%. - can be excluded 50% of Coverage A. - can be increased to 75% $10,000 Minimum $10,000 Minimum C Contents - can be decreased to 25% $150,000 Maximum $300,000 Maximum - can be excluded D Additional Living 20% of Coverage A 20% of Coverage C 40% of Coverage C. Expense*. Section II Liability Coverages E Personal Liability** $100,000 Minimum; $300,000 or $500,000 Options F Medical Payments** $1,000 Minimum; $2,000, $3,000, $4,000, or $5,000 Options * Additional Living Expense See Loss Settlement Conditions. ** Coverage E limits apply on a per occurrence basis; Coverage F limits apply on an each person basis. UPC Protector HO MANUAL 05/14. 05/07/14 HO-1-1. United Property & Casualty Insurance Company HOMEOWNERS MANUAL .

9 2. Deductible Options (see Rule 440). $500 $500 $500 $1,000 $2,500 $1,000 $2,500 $5,000 $500 $1,000 $2,500 $5,000 $500 $1,000 $2,500 $5,000. Form Hurricane $500 1% 2% 1% 1% 2% 2% 2% 5% 5% 5% 5% 10% 10% 10% 10%. HO-3 Wind +.25 +.14 +.11 +.04 +.02 Incl. Cov. A X-Wind +.15 N/A N/A N/A N/A Incl. N/A N/A N/A N/A N/A N/A N/A N/A. HO-4 Wind +.30 +.18 +.14 +.06 +.03 Incl. Cov. C X-Wind +.18 N/A N/A N/A N/A Incl. N/A N/A N/A N/A N/A N/A N/A N/A. HO-6 Wind +.30 +.18 +.14 +.06 +.03 Incl. Cov. C X-Wind +.18 N/A N/A N/A N/A Incl. N/A N/A N/A N/A N/A N/A N/A N/A. Notes: 1. The hurricane deductible shall apply on an annual basis to all covered hurricane losses that occur during a calendar year, regardless of the policy term. 2. In accordance with FLORIDA Statutes (3)(b)3, the offer of a $500 hurricane deductible is not required provided the insurer offers a policy that it guarantees it will not non-renew for reasons of reducing hurricane loss for one renewal period and that contains up to a 2 percent hurricane deductible.

10 UPC Protector HO MANUAL 05/14. 05/07/14 HO-2-1. United Property & Casualty Insurance Company HOMEOWNERS MANUAL . 3. General Underwriting Requirements A. Dwellings must be insured to 100% of replacement cost. B. Dwellings must be protected by smoke detectors in good working order located close to the kitchen and all sleeping areas. UPC Protector HO MANUAL 05/14. 05/07/14 HO-3-1. United Property & Casualty Insurance Company HOMEOWNERS MANUAL . 4. Ineligible Risks (these eligibility guidelines apply to both New and Renewal business, unless shown otherwise). A. Property Type and Characteristics 1. Roof covering is not: 15 years old or newer if 3-tab composition shingle; 20 years old or newer if architectural composition shingle; 30 years old or newer if metal; 40 years old or newer if slate or tile. 2. Electrical system is not a minimum of 100 amp service. Knob and tube wiring, aluminum wiring, fuses, Federal Pacific Electric (FPE) or Sylvania or Zinsco electrical panels, and no Ground Fault Circuit Interrupters (CFCI) outlets where water might come in contact with the electrical wiring, are unacceptable.