RESIDENTIAL PROPERTY PROGRAM PRODUCTS BUILD A …

1 RESIDENTIAL PROPERTY PROGRAM PRODUCTS BUILD A POLICY QUICK REFERENCE 00-Home (0111) 1 of 6 The following information is an easy reference for building a RESIDENTIAL PROPERTY product. It applies for any of our RPP PRODUCTS although not all of these are available in each state nor available for new business. In the first table (Homeowners Base Policy) we display all the necessary module forms to use to BUILD the base policy. To change the RPP product simply substitute the necessary HP module forms listed and explained in the specific tables for each of the different PRODUCTS . Note: The following tables do not include the additional specific coverage endorsement forms. BASE POLICY - HOMEOWNERS PRODUCT - 7 MODULE FORMS New Form # Title HP1000 Home HP2000 Contents and Additional Coverages HP3300 Causes of PROPERTY Loss (Special Perils) HP4130 PROPERTY Loss Settlement Coverages A & B - Replacement Cost with options for Extended Limit and for Coverage A Plus Coverage C - Actual Cash Value with option for Replacement Cost HP5100 PROPERTY Conditions HP6000 Liability, Medical Expenses and Optional Coverages HP7000 General Conditions RENTERS and condominium PRODUCTS - HP Module Form substitutes for another from the Base Policy New Form # Title The following always substitutes for the HP4130 PROPERTY Loss Settlement module base form.

2 HP4000 PROPERTY Loss Settlement Coverages A & B - Replacement Cost Coverage C - Actual Cash Value with option for Replacement Cost (Other module forms unchanged from the base policy) ULTRA PRODUCT - HP Module Form substitutes for another from the Base Policy New Form # Title The following always substitutes for the HP2000 Contents and Additional Coverages module base form. HP2100 Contents and Additional Coverages The following always substitutes for the HP4130 PROPERTY Loss Settlement module base form. HP4210 PROPERTY Loss Settlement Coverages A & B - Replacement Cost with Coverage A Plus Coverage C - Replacement Cost (Other module forms unchanged from the base policy) RESIDENTIAL PROPERTY PROGRAM PRODUCTS BUILD A POLICY QUICK REFERENCE 00-Home (0111) 2 of 6 HO-2 HOMEOWNERS PRODUCT - HP Module Form substitutes for another from the Base Policy New Form # Title The following always substitute for the HP3300 Causes of PROPERTY Loss module base form.

3 HP3200 Causes of PROPERTY Loss (Broad Named Perils) (Other module forms unchanged from the base policy) MARKET VALUE PRODUCT - HP Module Form substitutes for another from the Base Policy New Form # Title The following always substitutes for the HP4130 PROPERTY Loss Settlement module base form. HP4040 PROPERTY Loss Settlement Coverages A & B - Functional Replacement Cost Coverage C - Actual Cash Value with option for Replacement Cost (Other module forms unchanged from the base policy) MOBILE HOMEOWNERS PRODUCT - HP Module Form substitutes for another from the Base Policy New Form # Title The HP3300 Causes of PROPERTY Loss (Special Perils) module base form is used to create a Mobile Homeowners Special Perils Product. The following substitutes for the HP3300 Causes of PROPERTY Loss module base form Homeowners to create a Mobile Homeowners Broad Named Perils Product. HP3200 Causes of PROPERTY Loss (Broad Named Perils) The following always substitutes for the HP4130 Base Policy form to create both the Mobile Homeowners Broad Named Perils and Mobile Homeowners Special Perils PRODUCTS .

4 HP4950 PROPERTY Loss Settlement Coverages A & B - Mobile Homeowners Actual Cash Value Coverage C - Actual Cash Value with option for Replacement Cost (Other module forms unchanged from the base policy) ALL Mobile Homeowners PRODUCTS require the following mandatory endorsements to modify the base policy to suit the needs of mobile home owner. New End # Title HF7100 Mobile Homeowners HF7200 Mobile Home Lienholder s Single Interest Quick Tip - MH = Manufactured Housing with HUD red seal, post 1976. Farmers requires the HUD red seal of approval. RESIDENTIAL PROPERTY PROGRAM PRODUCTS BUILD A POLICY QUICK REFERENCE 00-Home (0111) 3 of 6 LANDLORD S RENTAL DWELLING PRODUCT - HP Module Form substitutes for another from the Base Policy New Form # Title The HP3300 Causes of PROPERTY Loss (Special Perils) module base form is used to create a Landlord s Dwelling Special Perils Product.

5 The following substitutes for the HP3300 Causes of PROPERTY Loss module base form Homeowners to create a Landlord s Dwelling Broad Named Perils Product. HP3200 Causes of PROPERTY Loss (Broad Named Perils) (Other module forms unchanged from the base policy) LANDLORD S RENTAL condominium PRODUCT - HP Module Form substitutes for another from the Base Policy New Form # Title The following always substitutes for the HP4130 PROPERTY Loss Settlement module base form. HP4000 PROPERTY Loss Settlement Coverages A & B - Replacement Cost Coverage C - Actual Cash Value with option for Replacement Cost (Other module forms unchanged from the base policy) ALL Landlords PRODUCTS require the following mandatory endorsement to modify the base policy to suit the needs of a landlord PROPERTY owner. New End # Title HF7000 Landlord s Rental Dwelling Amendatory RESIDENTIAL PROPERTY PROGRAM PRODUCTS BUILD A POLICY QUICK REFERENCE 00-Home (0111) 4 of 6 PLATINUM PRODUCTS - HP Module Form substitutes for another from the Base Policy New Form # Title The following always substitutes for the HP2000 Contents and Additional Coverages module base form.

6 HP2200 Contents and Additional Coverages The following always substitute for the HP3300 Causes of PROPERTY Loss module base form. HP3500 Causes of PROPERTY Loss (Comprehensive Perils) The following always substitutes for the HP4130 PROPERTY Loss Settlement module base form. HP4300 PROPERTY Loss Settlement [used for Platinum Renters and Platinum condominium ] Coverages A & B - Replacement Cost Coverage C - Replacement Cost HP4330 PROPERTY Loss Settlement [used for Platinum Homeowners] Coverages A & B - Replacement Cost with options for Extended Limit and for Coverage A Plus Coverage C - Replacement Cost The following always substitutes for the HP6000 Liability, Medical Expenses and Optional Coverages module base form. HP6100 Liability, Medical Expenses and Optional Coverages (Other module forms unchanged from the base policy) RESIDENTIAL PROPERTY PROGRAM PRODUCTS BUILD A POLICY QUICK REFERENCE 00-Home (0111) 5 of 6 GrandProtect PRODUCTS - HP Module Form substitutes for another from the Base Policy New Form # Title The following always substitutes for the HP2000 Contents and Additional Coverages module base form.

7 HP2300 Contents and Additional Coverages The following always substitute for the HP3300 Causes of PROPERTY Loss module base form. HP3500 Causes of PROPERTY Loss (Comprehensive Perils) The following always substitutes for the HP4130 PROPERTY Loss Settlement module base form. HP4400 PROPERTY Loss Settlement - Blanket PROPERTY Limit [used for GrandProtect Renters, condominium , Landlords Condo and Mobile Homeowners] Coverages A & B - Replacement Cost Coverage C - Replacement Cost HP4410 PROPERTY Loss Settlement - Blanket PROPERTY Limit [used for GrandProtect Homeowners and Landlords Dwelling] Coverages A & B - Replacement Cost with Coverage A Plus Coverage C - Replacement Cost The following always substitutes for the HP6000 Liability, Medical Expenses and Optional Coverages module base form. HP6200 Liability, Medical Expenses and Optional Coverages (Other module forms unchanged from the base policy) GrandProtect Landlords require the following mandatory endorsement to modify the GrandProtect policy to suit the needs of a landlord PROPERTY owner.

8 New End # Title HF7000 Landlord s Rental Dwelling Amendatory GrandProtect Mobile Homeowners requires the following mandatory endorsements to modify the GrandProtect policy to suit the needs of mobile home owner. New End # Title HF7100 Mobile Homeowners HF7200 Mobile Home Lienholder s Single Interest RESIDENTIAL PROPERTY PROGRAM PRODUCTS A QUICK GLANCE AT THE MODULES 00-Home (0111) 6 of 6 Module 1 - Home: Insurance Agreement and Declarations General Definitions Section I Coverage A - Dwelling Section I Coverage B - Private Structures One form is used for ALL RESIDENTIAL PROPERTY Programs - HP1000 Module 2 - Contents and Additional Coverages: Section I Coverage C - Personal PROPERTY Personal PROPERTY Covered Special Limitations on Certain PROPERTY Personal PROPERTY Not Covered Section I - Additional Coverages Three forms available: 1.

9 Standard - HP2000 2. Platinum - HP2200 3. GrandProtect - HP2300 Module 3 - Causes of PROPERTY Loss Section I - Losses We Cover Loss Deductible Clause Coverage A - Dwelling and Coverage B - Private Structures Coverage C - Personal PROPERTY Section I - Broad Named Perils Section I - Losses We Do Not Cover Three forms available: 1. Broad Named Perils - HP3200 2. Special Perils - HP3300 3. Comprehensive Perils - HP3500 Module 4 - PROPERTY Loss Settlement: Section I - How We Settle a PROPERTY Loss There are multiple versions depending on product and/or coverage selections. Standard 1. Renters, Condo and Landlord s Rental Condo - HP4000 2. Homeowners, HO-2 and Landlord's Rental Dwelling HP4130 & HP4131 3. Market Value - HP4040 & HP4041 4. Mobile Homeowners PRODUCTS - HP4900 & HP4950 Platinum 5. Platinum Renters and Platinum condominium - HP4300 6. Platinum Homeowners - HP4330 GrandProtect 7.

10 GrandProtect Renters, Condo, Landlord s Condo and Mobile Home - HP4400 8. GrandProtect Homeowners and Landlord's Dwelling HP4410 NOTE: HP4130 or HP4040 - applies when Coverage 42 does not apply. HP4131 or HP4041 - applies when Coverage 42 applies. HP4900 - applies to Mobile Homeowners when Replacement Cost settlement is requested. HP4950 - applies to Mobile Homeowners when ACV settlement is requested. Module 5 - PROPERTY Conditions: Section I - Conditions One form is used for ALL RESIDENTIAL PROPERTY Programs - HP5100 Module 6 - Personal Liability/Medical Expenses and Optional Coverages: Section II - Losses We Cover: Coverage F - Personal Liability Coverage G - Medical Payments to Others Section II - Losses We Do Not Cover: Coverage F - Personal Liability Coverage G - Medical Payments to Others Section II - Additional Coverages Section II - Conditions Optional Coverages Three forms available: 1.