dwelling section - north star mutual insurance company · minnesota new business 01-01-16 north...

Minnesota New Business 01-01-20 North Star Mutual Ins. Co. Renewals 01-01-20

DWELLING SECTION

TABLE OF CONTENTS

ITEM NSDWG PAGE

Back Up of Sewer, Drain or Sump System .................................................................................... 14 Billing Procedures .......................................................................................................................... 13 Calculation of Premium .................................................................................................................. 5 Condominium Unit-Owners Additions ............................................................................................ 14 Construction Definitions ................................................................................................................. 5 Coverages, Explanation Of ............................................................................................................ 1 Coverage B - Related Private Structures ....................................................................................... 16-17 Coverage D - Additional Living Costs and Fair Rental Value ........................................................ 15 Deductibles..................................................................................................................................... 13 Definition of a Single Building ........................................................................................................ 3 Eligibility ......................................................................................................................................... 2 Fire and Extended Coverage Insurance ........................................................................................ 1 Fire Department Service Charges ................................................................................................. 15 Fire Protection Classification.......................................................................................................... 5 Inflation Guard ................................................................................................................................ 4 Location of Risk Modifiers .............................................................................................................. 13 Loss Assessment and Association Deductible .............................................................................. 15 Loss Due To By-Products From Production Or Processing Products Exclusion ........................... 4 Loss Settlement ............................................................................................................................. 4 Masonry Veneer Buildings ............................................................................................................. 4 Minimum Coverage Limits .............................................................................................................. 2 Minimum Premium ......................................................................................................................... 4 Mobile or Trailer Homes ................................................................................................................. 16 Personal Liability ............................................................................................................................ 20 Policy Term .................................................................................................................................... 1 Premium Charts and Computation, Explanation Of ....................................................................... 6 Protective Devices ......................................................................................................................... 13

Rate Pages - Base Premium Charts Frame, 1 and 2 Family, Protected ........................................................................................... 7 Frame, 1 and 2 Family, Partially Protected ............................................................................. 8 Frame, 1 and 2 Family, Unprotected ...................................................................................... 9 Frame, 3 and 4 Family, Protected ........................................................................................... 10 Frame, 3 and 4 Family, Partially Protected ............................................................................. 11 Frame, 3 and 4 Family, Unprotected ....................................................................................... 12

Rating Territories and Location of Risk Modifiers .......................................................................... 13 Related Private Structures ............................................................................................................. 16-17 Rental or Seasonal Dwelling Liability ............................................................................................. 20 Replacement Cost Coverage (DF-2 and DF-3) (Including Roof Surfacing) .................................. 17 Replacement Cost Coverage (DF-2 and DF-3) (Not including Roof Surfacing) ................................ 17 Residence or Structure Under Construction .................................................................................. 3Seasonal Dwellings ........................................................................................................................................ 18 Theft Coverage .............................................................................................................................. 18-19 Townhouses ................................................................................................................................... 19 Underground Service Line Coverage ............................................................................................. 20 Underwriting Rules ......................................................................................................................... 3 Vacant Dwellings ............................................................................................................................ 4 Wood Shingle Surcharge ............................................................................................................... 13 Woodburning/Solid Fuel Surcharge ............................................................................................... 20

Minnesota New Business 01-01-16

North Star Mutual Ins. Co. NSDWG - 1 Renewals 01-01-16

FIRE AND EXTENDED COVERAGE INSURANCE

It is required that both FIRE and EXTENDED COVERAGE be written. This program is designed to be used for 1, 2, 3 & 4 family dwellings only. Apartment houses, boarding and rooming houses and other commercial risks must be written under one of our Commercial programs - please submit to Home Office for acceptance and rating. Vandalism is an optional peril for Basic Form (DF-1). Vandalism may not be deleted on Broad Form (DF-2) or Special Form (DF-3). This program does not apply to farm property - refer to our Farm programs.

POLICY TERM

Policies are written on a 1 year basis. The policy will be automatically renewed each year with an updated declarations page. The policy will be subject to the premiums, rules and forms in effect at the time of renewal. Policyholders will initially receive copies of all policy forms. Upon renewal they will receive only an updated declarations and forms that are new or revised. Policyholders may receive all policy forms upon request – a statement notifying the insured of this will be on each annual declarations.

COVERAGES

1. Basic Form (DF-1) - Covers the Residence, Related Private Structures, Personal Property and Additional Living Costs/Fair Rental Value for direct physical loss to the property covered caused by a peril listed below unless the loss is excluded in the General Exclusions.

Fire or Lightning Vehicles Windstorm or Hail Sudden and Accidental Damage from Smoke Explosion Sinkhole Collapse Riot or Civil Commotion Volcanic Action Aircraft Vandalism (Optional)

NOTE: DF-1 only, Vandalism does not include loss to glass or safety glazing material.

2. Broad Form (DF-2) - Covers the Residence, Related Private Structures, Personal Property, and Additional Living Costs/Fair Rental Value for direct physical loss to the property covered caused by a peril listed below unless the loss is excluded in the General Exclusions.

Includes all the perils listed for Basic Form (DF-1), plus: Vandalism Sudden and Accidental Tearing Apart, Cracking, Burning Burglary Damage or Bulging of a Heat or Air Conditioning System, Falling Objects or Water Heater. Weight of Ice, Snow or Sleet Freezing of a Plumbing, Heating, or Air Conditioning Accidental Discharge or Overflow of Water or System or Household Appliance. Steam Sudden and Accidental Damage from Artificially Generated Electrical Current.

3. Special Form (DF-3) - Covers the Residence and Related Private Structures for risks of direct physical loss unless the loss is excluded. Personal Property is covered for the same perils as provided in Broad Form (DF-2). Additional Living Costs/Fair Rental Value is covered for the same perils applicable to the covered property damaged.

4. The following coverages are described in DF-1, DF-2 and DF-3 (unless indicated otherwise) and only apply if a limit is shown on the declarations for that coverage.

Coverage A - Residence Coverage B - Related Private Structures (Up to 10% of the limit on residence automatically applies) Coverage C - Personal Property Coverage D - Additional Living Costs/Fair Rental Value (Up to 10% of the limit on residence automatically

applies)

5. Liability and Medical Payments coverages are also available - see Liability paragraphs.

6. NOTE: There is no theft coverage provided by Basic Form (DF-1), Broad Form (DF-2) or Special Form (DF-3). If theft coverage is desired see THEFT COVERAGE paragraph.

http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/DF-1.pdf





MINIMUM COVERAGE LIMITS

All coverages are written on an ACTUAL CASH VALUE basis, however, to make it easy to determine minimum coverage amounts the minimums are based off of a dwelling's full replacement cost.

Existing business will not be subject to the minimum dollar limits shown but will be subject to the percentage minimum shown. Seasonal Dwellings and Mobile Homes are subject to the minimum dollar limits shown.

1. DF-1: 50% of full replacement cost but not less than $30,000 2. DF-2 *: 60% of full replacement cost but not less than $40,000 3. DF-3 *: 60% of full replacement cost but not less than $50,000 4. * Exception: 80% or more of full replacement cost is required on Forms DF-2 and DF-3 if replacement

cost loss settlement coverage is purchased. Automatic Inflation Guard will apply to dwellings written on a replacement cost basis. See the paragraph titled Replacement Cost Coverage for more details and the applicable charge.

5. Seasonal Dwelling: $15,000 6. Mobile Homes: $ 5,000

ELIGIBILITY

A Dwelling Policy may be issued to provide insurance under: 1. Coverage A - on a dwelling building:

a. Used solely for residential purposes except that certain incidental occupancies are permitted; b. Containing not more than 4 apartments; and c. Which may be in a townhouse or row house structure; or d. In course of construction.

2. Coverage A - on a mobile or trailer home: a. Using Basic Form (DF-1) only; b. Used solely for residential purposes except that certain incidental occupancies are permitted; c. Containing not more than 1 apartment; and d. At the permanent location described in the policy.

3. Coverage B - Related Private Structures: a. At the same location as the dwelling eligible for insurance under Coverage A; b. Not used for business purposes except a permitted incidental occupancy or when rented for use as a private

garage; and c. At a separate location when used in connection with the insured location but not for business purposes.

4. Coverage C - Personal Property in: a. A dwelling, mobile or trailer home eligible under Coverage A; or b. A dwelling with rental apartments including furnishings, equipment and appliances in halls or utility rooms;

or c. Any apartment, cooperative or condominium unit used as private living quarters of the insured or rented to

others. 5. Coverage D - for the additional living costs incurred to maintain the insured’s household or the loss of the fair

rental value of: a. A building eligible for insurance under Coverages A or B; or b. Private living quarters eligible under Coverage C.



UNDERWRITING RULES

1. A completed Dwelling Fire application must be submitted along with at least two recent photos of the dwelling (front and rear). Photos of all structures on the premises should be submitted for review.

2. Total dwelling insurance must equal 50% or more of full replacement cost but not less than $30,000 for Basic Form (DF-1), 60% or more of full replacement cost but not less than $40,000 for Broad Form (DF-2) and 60% or more of full replacement cost but not less than $50,000 for Special Form (DF-3). Exception: 80% or more of full replacement cost is required on Forms DF-2 and DF-3 if replacement cost loss settlement coverage is purchased. Automatic Inflation Guard will apply to dwellings written on a replacement cost basis. See the paragraph titled Replacement Cost Coverage DF-1467 or Replacement Cost Coverage DF-1786 on page NSDWG - 17 for more details and the applicable charge. Attach a MSB RCT calculation for all dwellings insured.

3. Maximum limits available for dwellings insured under Coverage A are: Protected - $500,000; Partially Protected - $400,000; Unprotected - $300,000.

4. Minimum coverage written on seasonal dwellings is $15,000. Minimum coverage written on mobile homes is $5,000.

5. Any existing hail or windstorm damage must be disclosed on the application. 6. Owner-occupied mobile homes less than 15 years of age are eligible. 7. Dwellings must have a solid and continuous foundation. 8. A central heating system is required for all dwellings rented to others. 9. Following is a list of Dwelling Fire risks not to be bound and generally will not be written: a. Property in generally below average physical condition. b. Risks cancelled or non-renewed by other carriers. c. Risks which have sustained 2 OR MORE losses during the past 3 year period. d. VACANT DWELLINGS. Refer to page NSDWG – 4. e. Risks with older wood roofs or risks with asbestos slate roofs or siding, or tile roofs. f. Risks where insureds have a history of financial instability within the last 5 years. g. Hobby farms or any risk formerly occupied as FARM PROPERTY on which any former farm buildings still exist. h. Risks with more than 2 related private structures or with a related private structure larger than 1,600 square

feet. Refer any structure over 1,600 square feet to underwriting. i. Unusual risks including basement homes, log homes, earth homes, dome homes and homes with flat roofs. j. Risks with unvented wall furnaces. k. Rental or seasonal mobile homes unless we have other good supporting coverage. The mobile home must

be permanently located. l. Tenant occupied dwellings with wood burning/solid fuel equipment. m. Risks with permanent built in swimming pools.

DEFINITION OF A SINGLE BUILDING

All buildings or sections of buildings which are accessible through unprotected openings shall be considered as a single building.

Buildings which are separated by space shall be considered separate buildings.

Buildings or sections of buildings which are separated by an 8 inch masonry party wall which pierces or rises to the underside of the roof and which pierces or extends to the inner side of the exterior wall shall be considered separate buildings. Accessibility between buildings with independent walls or through masonry party walls described above shall be protected by at least a Class A Fire Door installed in a masonry wall section.

RESIDENCE OR STRUCTURE UNDER CONSTRUCTION - DF-1375

For a residence or structure under construction, coverage must be written at 100% of completed value. Two methods are provided for insuring a residence or structure under construction.

1. Named Insured Is The Intended Occupant - A builder (contractor) may be designated as an additional insured. Pro rata cancellation permitted upon completion of the residence or structure. The policy premium shall be 65% of the premium for an owner occupied residence or structure.

2. Named Insured Is Not The Intended Occupant - Policy shall specify building is in course of construction and permission is granted to complete. The policy premium shall be 65% of the premium for a non-owner occupied residence or structure.

https://www.northstarmutual.com/UserFiles/Documents/forms/policyforms/Current/DF-1375%201-20.pdf



LOSS SETTLEMENT

Basic Form (DF-1), Broad Form (DF-2) and Special Form (DF-3) - All forms provide coverage on an ACTUAL CASH VALUE basis. This means that loss to all covered property is subject to applicable depreciation.

Loss to property covered under Coverages A and B (form DF-2 or DF-3 only) can be changed to a replacement cost basis if DF-1467 or DF-1786 is added and an additional premium is charged. The building(s) must be insured for 80% or more of full replacement cost. Inflation Guard will automatically apply to the building(s) written on a replacement cost basis. See the paragraph titled Replacement Cost Coverage – DF-1467 or Replacement Cost Coverage – DF-1786 for more details.

EXCLUSION OF LOSS DUE TO BY-PRODUCTS FROM PRODUCTION OR PROCESSING PRODUCTS – DF-2119

Coverage will be excluded for loss to an insured premises caused by smoke, vapor, gas, or any substance released in the course of production or processing of any controlled substance for any rental dwelling and can be excluded on any other dwelling, farm barn, building, or structure unless the loss is caused by fire or explosion that results from the release of any such substances.

Attach Endorsement DF-2119.

INFLATION GUARD

Buildings written on an Actual Cash Value Basis. (optional)

The policy may be endorsed to provide automatic annual increases in the Coverage A - Residence and Coverage B - Related Private Structures limits based on changing dwelling construction cost factors. Indicate which building(s) Inflation Guard is to apply to on the application.

Buildings written on a Replacement Cost Basis. (mandatory)

The Inflation Guard Provision is required on all buildings written on Replacement Cost Basis. PROPERTY COVERAGES will automatically be updated annually based on changing dwelling construction cost factors. The residence must be insured to at least 80% of Replacement Cost, the application must be completed and a photograph of the residence attached. To be assured that the insured meets policy conditions, it is recommended that all residences be insured to 100% of Replacement Cost.

MASONRY VENEER BUILDINGS

Dwellings of masonry veneer construction and their contents and Apartment Contents in masonry veneer buildings are subject to Masonry premiums.

VACANT DWELLINGS

Vacant/unoccupied dwellings are not eligible as a new business risk.

Coverage may be continued on dwellings currently written with North Star Mutual if they become vacant/unoccupied during the policy term. Coverage will be written on Basic Form DF-1 with no coverage for V & MM. A 40% vacancy charge will be applied.

MINIMUM PREMIUM

1. A minimum annual premium of not less than $150 must be charged for each policy. 2. The $150 minimum annual premium may include all chargeable endorsements or coverages for Fire and Allied

Lines.

http://northstarmutual.com/UserFiles/Documents/forms/policyforms/Current/DF-2119%201-16.pdf



CALCULATION OF PREMIUM

North Star has an automated rating system for the Dwelling Program that can be accessed on the Internet. Go to the North Star web site (www.northstarmutual.com), click on Agents Only, enter your User ID and Password, click on submit, click on Dwelling System.

Step 1 - Determine the Territory 1 Base Premium based on the number of families, protection, and construction classifications that apply and determine the occupancy classification.

Step 2 To determine rates for other territories, apply applicable Location of Risk Modifier on page NSDWG - 13 to the rate determined in Step 1.

Step 3 - If Coverage A applies, select the Coverage A premium for the policy limit, apply the factor for the deductible option selected, and apply any special rating factors. For Form DF-1 only, if vandalism does not apply, reduce the premium by the vandalism discount, apply the factor for the deductible option selected, and apply any special rating factors. The Coverage A premium is the sum of these premiums.

Step 4 - If Coverage C applies, use the Coverage C premiums and follow the process described in Step 3.

Step 5 - If any premium modifications apply, adjust the Coverage A and/or Coverage C premiums determined in Steps 3 and 4.

Step 6 - If any coverage options apply, add the additional charges to the Coverage A and/or Coverage C premiums determined in Step 5.

Step 7 - If both Coverage A and Coverage C apply, the total policy premium is the sum of the premiums determined in Step 6.

FIRE PROTECTION CLASSIFICATION

Protected: Building is located within 1,000 feet of a fire hydrant and within five (5) road miles of a responding fire department.

Partially Protected: Building is located over 1,000 feet from a fire hydrant, but is within five (5) road miles of a responding fire department.

Unprotected: All Others.

CONSTRUCTION DEFINITIONS

1. Frame (FR) - Exterior walls of wood or other combustible construction. 2. Brick, Stone or Masonry Veneer (MV) - Exterior walls of combustible construction veneered with brick or stone. 3. Brick, Stone or Masonry (JM) - Exterior walls constructed of masonry materials such as adobe, brick, concrete,

gypsum block, hollow concrete block, stone, tile or similar materials and floors and roof of combustible construction.

4. Mobile Home (MH). 5. Aluminum, Plastic, or Steel Siding over Frame (SF) - Exterior walls of wood or other combustible construction

and covered with aluminum, plastic or steel siding. 6. Stucco (ST) - Exterior walls of wood or other combustible construction and combined with stucco. 7. Fire Resistive (FS) - Exterior walls and floors and roof constructed of masonry or other fire resistive materials.

NOTE: Mixed (Masonry/Frame) - a combination of both frame and masonry construction shall be classed and coded as frame when the exterior walls of frame construction (including gables) exceed 33 1/3% of the total exterior wall area; otherwise class and code as masonry.



PREMIUM CHARTS AND COMPUTATION

The premiums shown in this manual section are annual premiums and are for a $1,000 deductible. All premiums are to be rounded off to the nearest dollar. Fifty cents and above shall be considered the next higher dollar.

Premiums shown in this manual section are to be applied separately to each building and to the contents of each building. The gross annual premium for each building item and each contents item shall be the premium shown in the tables on pages that follow according to the number of families, the construction and protection class.



RATE PAGES - BASE PREMIUM CHART

1 AND 2 FAMILY DWELLINGS (Non-Seasonal)

(REFER TO NSDWG-13 FOR LOCATION OF RISK MODIFIERS FOR EACH TERRITORY)

$1,000 DED. FRAME PROTECTED $1,000 DED.

ACTUAL CASH VALUE

BASIC FORM DF-1 BROAD FORM DF-2

(FIRE, EC, VAND. #) (FIRE, EC, VAND. #)

LIMIT CONTENTS CONTENTS CONTENTS

1,000 ___ ___ 3 *** ___ ___ 4 *** ___ ___ 4 ***

2,000 ___ ___ 4 *** ___ ___ 5 *** ___ ___ 5 ***

4,000 ___ ___ 7 ___ ___ 8 ___ ___ 8

6,000 166 * 195 * 11 ___ ___ 13 ___ ___ 13

8,000 177 * 208 * 13 ___ ___ 15 ___ ___ 15

10,000 188 * 221 * 16 ___ ___ 19 ___ ___ 19

12,000 197 * 232 * 19 ___ ___ 23 ___ ___ 23

14,000 208 * 245 * 22 ___ ___ 26 ___ ___ 26

16,000 218 ** 257 ** 26 231 ** 272 ** 30 243 ** 286 ** 30

18,000 230 ** 270 ** 28 242 ** 285 ** 32 255 ** 300 ** 32

20,000 240 ** 282 ** 32 252 ** 297 ** 37 266 ** 313 ** 37

25,000 254 ** 299 ** 38 268 ** 315 ** 44 282 ** 332 ** 44

30,000 269 316 46 283 ** 333 ** 53 298 ** 351 ** 53

35,000 278 327 53 293 ** 345 ** 62 309 ** 363 ** 62

40,000 287 338 60 303 356 70 319 ** 375 ** 70

45,000 297 349 68 314 369 79 330 ** 388 ** 79

50,000 306 360 76 323 380 88 340 400 88

55,000 316 372 84 333 392 97 351 413 97

60,000 326 383 91 344 405 105 362 426 105

65,000 337 396 98 355 418 114 374 440 114

70,000 348 409 106 366 431 123 386 454 123

75,000 358 421 114 378 445 132 398 468 132

80,000 369 434 122 389 458 141 410 482 141

85,000 380 447 129 401 472 150 422 497 150

90,000 392 461 137 413 486 159 435 512 159

95,000 404 475 144 427 502 167 449 528 167

100,000 416 489 152 439 516 176 462 543 176

105,000 428 503 159 451 531 185 475 559 185

110,000 439 517 166 463 545 194 488 574 194

115,000 452 532 174 477 561 203 502 591 203

120,000 465 547 181 491 578 211 517 608 211

125,000 479 563 188 506 595 219 532 626 219

130,000 492 579 196 519 611 228 547 643 228

135,000 507 596 204 535 629 237 563 662 237

140,000 520 612 211 549 646 245 578 680 245

145,000 535 629 218 564 664 254 594 699 254

150,000 549 646 226 580 682 263 610 718 263

155,000 564 663 234 595 700 272 626 737 272

160,000 578 680 241 610 718 281 643 756 281

165,000 592 696 249 624 734 290 657 773 290

170,000 604 711 257 638 751 299 672 790 299

175,000 618 727 265 653 768 308 687 808 308

180,000 632 743 272 666 784 317 701 825 317

185,000 644 758 280 680 800 326 716 842 326

190,000 657 773 288 694 816 335 730 859 335

195,000 670 788 296 707 832 344 745 876 344

200,000 683 803 303 720 847 353 758 892 353

EACH ADD'L

5,000 14 16 8 14 17 9 15 18 9

(Forms DF-2 and DF-3) For Replacement Cost Coverage on a building, increase base premium by 12%.

(Forms DF-2 and DF-3) For Replacement Cost Coverage on buildings with Actual Cash Value on roof surfacing, increase base premium by 5%.

For Masonry Construction, decrease base premium by 10%. # To delete Vandalism on Basic Form (DF-1) only - Multiply rates by .96.

*Mobile Homes only - see Mobile or Trailer Homes Paragraph. @ Use to rate certain optional coverages.

**Seasonal dwellings only - see Seasonal Dwelling Paragraph.

***Minimum Limit is $4,000 unless written in same policy as building coverage.

OWNER OCC OWNER OCC OWNER OCC

BUILDINGS

TENANT TENANT

BUILDINGSBUILDINGS

TENANT

SPECIAL FORM DF-3






$1,000 DED. FRAME PARTIALLY PROTECTED $1,000 DED.

ACTUAL CASH VALUE

BASIC FORM DF-1



1,000 ___ ___ 4 *** ___ ___ 5 *** ___ ___ 5 ***

2,000 ___ ___ 5 *** ___ ___ 6 *** ___ ___ 6 ***

4,000 ___ ___ 9 ___ ___ 11 ___ ___ 11

6,000 204 * 240 * 14 ___ ___ 17 ___ ___ 17

8,000 218 * 256 * 17 ___ ___ 20 ___ ___ 20

10,000 231 * 272 * 21 ___ ___ 25 ___ ___ 25

12,000 242 * 285 * 25 ___ ___ 29 ___ ___ 29

14,000 256 * 301 * 29 ___ ___ 34 ___ ___ 34

16,000 268 ** 316 ** 34 284 ** 335 ** 39 299 ** 352 ** 39

18,000 283 ** 332 ** 37 298 ** 351 ** 42 314 ** 369 ** 42

20,000 295 ** 347 ** 42 310 ** 365 ** 48 327 ** 385 ** 48

25,000 312 ** 368 ** 50 330 ** 387 ** 58 347 ** 408 ** 58

30,000 331 389 60 348 ** 410 ** 70 367 ** 432 ** 70

35,000 342 402 69 360 ** 424 ** 81 380 ** 446 ** 81

40,000 353 416 79 373 438 92 392 ** 461 ** 92

45,000 365 429 89 386 454 104 406 ** 477 ** 104

50,000 376 443 100 397 467 116 418 492 116

55,000 389 458 110 410 482 127 432 508 127

60,000 401 471 119 423 498 138 445 524 138

65,000 415 487 128 437 514 150 460 541 150

70,000 428 503 139 450 530 162 475 558 162

75,000 440 518 149 465 547 173 490 576 173

80,000 454 534 160 478 563 185 504 593 185

85,000 467 550 169 493 581 197 519 611 197

90,000 482 567 179 508 598 209 535 630 209

95,000 497 584 189 525 617 219 552 649 219

100,000 512 601 199 540 635 231 568 668 231

105,000 526 619 208 555 653 243 584 688 243

110,000 540 636 217 569 670 253 600 706 253

115,000 556 654 228 587 690 265 617 727 265

120,000 572 673 237 604 711 276 636 748 276

125,000 589 692 246 622 732 286 654 770 286

130,000 605 712 257 638 752 298 673 791 298

135,000 624 733 267 658 774 310 692 814 310

140,000 640 753 276 675 795 321 711 836 321

145,000 658 774 286 694 817 332 731 860 332

150,000 675 795 296 713 839 344 750 883 344

155,000 694 815 307 732 861 356 770 907 356

160,000 711 836 316 750 883 368 791 930 368

165,000 728 856 326 768 903 380 808 951 380

170,000 743 875 337 785 924 391 827 972 391

175,000 760 894 347 803 945 403 845 994 403

180,000 777 914 356 819 964 415 862 1,015 415

185,000 792 932 367 836 984 427 881 1,036 427

190,000 808 951 377 854 1,004 439 898 1,057 439

195,000 824 969 388 870 1,023 450 916 1,077 450

200,000 840 988 397 886 1,042 462 932 1,097 462

EACH ADD'L

5,000 17 20 10 17 21 12 18 22 12







OWNER OCC

BROAD FORM DF-2 SPECIAL FORM DF-3

OWNER OCC OWNER OCC TENANT

BUILDINGS

TENANT

BUILDINGS

TENANT

BUILDINGS






$1,000 DED. FRAME UNPROTECTED $1,000 DED.

ACTUAL CASH VALUE




1,000 ___ ___ 5 *** ___ ___ 6 *** ___ ___ 6 ***

2,000 ___ ___ 7 *** ___ ___ 8 *** ___ ___ 8 ***

4,000 ___ ___ 12 ___ ___ 14 ___ ___ 14

6,000 251 * 294 * 19 ___ ___ 22 ___ ___ 22

8,000 267 * 314 * 22 ___ ___ 26 ___ ___ 26

10,000 284 * 334 * 28 ___ ___ 33 ___ ___ 33

12,000 297 * 350 * 33 ___ ___ 39 ___ ___ 39

14,000 314 * 370 * 38 ___ ___ 45 ___ ___ 45

16,000 329 ** 388 ** 45 349 ** 411 ** 51 367 ** 432 ** 51

18,000 347 ** 408 ** 48 365 ** 430 ** 56 385 ** 453 ** 56

20,000 362 ** 426 ** 55 381 ** 448 ** 63 402 ** 473 ** 63

25,000 384 ** 451 ** 65 405 ** 476 ** 76 426 ** 501 ** 76

30,000 406 477 79 427 ** 503 ** 91 450 ** 530 ** 91

35,000 420 494 91 442 ** 521 ** 107 467 ** 548 ** 107

40,000 433 510 103 458 538 121 482 ** 566 ** 121

45,000 448 527 117 474 557 136 498 ** 586 ** 136

50,000 462 544 131 488 574 152 513 604 152

55,000 477 562 144 503 592 167 530 624 167

60,000 492 578 157 519 612 181 547 643 181

65,000 509 598 169 536 631 197 565 664 197

70,000 525 618 182 553 651 212 583 686 212

75,000 541 636 196 571 672 228 601 707 228

80,000 557 655 210 587 692 243 619 728 243

85,000 574 675 222 606 713 259 637 750 259

90,000 592 696 236 624 734 274 657 773 274

95,000 610 717 248 645 758 288 678 797 288

100,000 628 738 261 663 779 303 698 820 303

105,000 646 760 273 681 802 319 717 844 319

110,000 663 781 286 699 823 333 737 867 333

115,000 683 803 299 720 847 348 758 892 348

120,000 702 826 311 741 873 362 781 918 362

125,000 723 850 323 764 898 376 803 945 376

130,000 743 874 337 784 923 392 826 971 392

135,000 766 900 351 808 950 407 850 1,000 407

140,000 785 924 363 829 975 421 873 1,027 421

145,000 808 950 375 852 1,003 437 897 1,055 437

150,000 829 975 389 876 1,030 452 921 1,084 452

155,000 852 1,001 402 898 1,057 467 945 1,113 467

160,000 873 1,027 415 921 1,084 483 971 1,142 483

165,000 894 1,051 428 942 1,108 498 992 1,167 498

170,000 912 1,074 442 963 1,134 514 1,015 1,193 514

175,000 933 1,098 456 986 1,160 529 1,037 1,220 529

180,000 954 1,122 468 1,006 1,184 545 1,059 1,246 545

185,000 972 1,145 482 1,027 1,208 560 1,081 1,271 560

190,000 992 1,167 495 1,048 1,232 576 1,102 1,297 576

195,000 1,012 1,190 509 1,068 1,256 591 1,125 1,323 591

200,000 1,031 1,213 521 1,087 1,279 607 1,145 1,347 607

EACH ADD'L

5,000 21 24 14 21 26 15 23 27 15







TENANT

BUILDINGS

TENANTOWNER OCC

SPECIAL FORM DF-3

OWNER OCC OWNER OCC

BUILDINGS BUILDINGS

TENANT






$1,000 DED. FRAME PROTECTED $1,000 DED.

ACTUAL CASH VALUE

BASIC FORM DF-1

(FIRE, EC, VAND. #)


1,000 ___ ___ 4 *** ___ ___ 5 *** ___ ___ 5 ***

2,000 ___ ___ 5 *** ___ ___ 6 *** ___ ___ 6 ***

4,000 ___ ___ 9 ___ ___ 11 ___ ___ 11

6,000 ___ ___ 14 ___ ___ 16 ___ ___ 16

8,000 ___ ___ 17 ___ ___ 20 ___ ___ 20

10,000 ___ ___ 21 ___ ___ 25 ___ ___ 25

12,000 ___ ___ 25 ___ ___ 29 ___ ___ 29

14,000 ___ ___ 29 ___ ___ 34 ___ ___ 34

16,000 316 ** 373 ** 34 335 ** 394 ** 39 352 ** 415 ** 39

18,000 334 ** 392 ** 36 351 ** 413 ** 42 370 ** 435 ** 42

20,000 348 ** 409 ** 42 365 ** 431 ** 48 386 ** 454 ** 48

25,000 368 ** 434 ** 49 389 ** 457 ** 57 409 ** 481 ** 57

30,000 390 458 60 410 ** 483 ** 69 432 ** 509 ** 69

35,000 403 474 69 425 ** 500 ** 81 448 ** 526 ** 81

40,000 416 490 78 439 516 91 463 ** 544 ** 91

45,000 431 506 88 455 535 103 479 ** 563 ** 103

50,000 444 522 99 468 551 115 493 580 115

55,000 458 539 109 483 568 126 509 599 126

60,000 473 555 118 499 587 137 525 618 137

65,000 489 574 127 515 606 149 542 638 149

70,000 505 593 138 531 625 160 560 658 160

75,000 519 610 148 548 645 172 577 679 172

80,000 535 629 159 564 664 184 595 699 184

85,000 551 648 168 581 684 195 612 721 195

90,000 568 668 178 599 705 207 631 742 207

95,000 586 689 187 619 728 218 651 766 218

100,000 603 709 198 637 748 229 670 787 229

105,000 621 729 207 654 770 241 689 811 241

110,000 637 750 216 671 790 252 708 832 252

115,000 655 771 226 692 813 263 728 857 263

120,000 674 793 235 712 838 274 750 882 274

125,000 695 816 244 734 863 284 771 908 284

130,000 713 840 255 753 886 296 793 932 296

135,000 735 864 265 776 912 308 816 960 308

140,000 754 887 274 796 937 318 838 986 318

145,000 776 912 283 818 963 330 861 1,014 330

150,000 796 937 294 841 989 342 885 1,041 342

155,000 818 961 304 863 1,015 353 908 1,069 353

160,000 838 986 313 885 1,041 365 932 1,096 365

165,000 858 1,009 324 905 1,064 377 953 1,121 377

170,000 876 1,031 334 925 1,089 388 974 1,146 388

175,000 896 1,054 345 947 1,114 400 996 1,172 400

180,000 916 1,077 354 966 1,137 412 1,016 1,196 412

185,000 934 1,099 364 986 1,160 424 1,038 1,221 424

190,000 953 1,121 374 1,006 1,183 435 1,059 1,246 435

195,000 972 1,143 385 1,025 1,206 447 1,080 1,270 447

200,000 990 1,164 394 1,044 1,228 459 1,099 1,293 459

EACH ADD'L

5,000 20 23 10 20 25 12 22 26 12




**Seasonal dwellings only - see Seasonal Dwelling Paragraph. @ Use to rate certain optional coverages.


BROAD FORM DF-2

OWNER OCC OWNER OCC TENANT

BUILDINGSBUILDINGS

TENANT TENANT

BUILDINGS

OWNER OCC

SPECIAL FORM DF-3






$1,000 DED. FRAME PARTIALLY PROTECTED $1,000 DED.

ACTUAL CASH VALUE


1,000 ___ ___ 5 *** ___ ___ 7 *** ___ ___ 7 ***

2,000 ___ ___ 7 *** ___ ___ 8 *** ___ ___ 8 ***

4,000 ___ ___ 12 ___ ___ 14 ___ ___ 14

6,000 ___ ___ 18 ___ ___ 22 ___ ___ 22

8,000 ___ ___ 22 ___ ___ 26 ___ ___ 26

10,000 ___ ___ 27 ___ ___ 33 ___ ___ 33

12,000 ___ ___ 33 ___ ___ 38 ___ ___ 38

14,000 ___ ___ 38 ___ ___ 44 ___ ___ 44

16,000 389 ** 458 ** 44 412 ** 486 ** 51 434 ** 510 ** 51

18,000 410 ** 481 ** 48 432 ** 509 ** 55 455 ** 535 ** 55

20,000 428 ** 503 ** 55 450 ** 529 ** 62 474 ** 558 ** 62

25,000 452 ** 534 ** 65 479 ** 561 ** 75 503 ** 592 ** 75

30,000 480 564 78 505 ** 595 ** 91 532 ** 626 ** 91

35,000 496 583 90 522 ** 615 ** 105 551 ** 647 ** 105

40,000 512 603 103 541 635 120 568 ** 668 ** 120

45,000 529 622 116 560 658 135 589 ** 692 ** 135

50,000 545 642 130 576 677 151 606 713 151

55,000 564 664 143 595 699 165 626 737 165

60,000 581 683 155 613 722 179 645 760 179

65,000 602 706 166 634 745 195 667 784 195

70,000 621 729 181 653 769 211 689 809 211

75,000 638 751 194 674 793 225 711 835 225

80,000 658 774 208 693 816 241 731 860 241

85,000 677 798 220 715 842 256 753 886 256

90,000 699 822 233 737 867 272 776 914 272

95,000 721 847 246 761 895 285 800 941 285

100,000 742 871 259 783 921 300 824 969 300

105,000 763 898 270 805 947 316 847 998 316

110,000 783 922 282 825 972 329 870 1,024 329

115,000 806 948 296 851 1,001 345 895 1,054 345

120,000 829 976 308 876 1,031 359 922 1,085 359

125,000 854 1,003 320 902 1,061 372 948 1,117 372

130,000 877 1,032 334 925 1,090 387 976 1,147 387

135,000 905 1,063 347 954 1,122 403 1,003 1,180 403

140,000 928 1,092 359 979 1,153 417 1,031 1,212 417

145,000 954 1,122 372 1,006 1,185 432 1,060 1,247 432

150,000 979 1,153 385 1,034 1,217 447 1,088 1,280 447

155,000 1,006 1,182 399 1,061 1,248 463 1,117 1,315 463

160,000 1,031 1,212 411 1,088 1,280 478 1,147 1,349 478

165,000 1,056 1,241 424 1,114 1,309 494 1,172 1,379 494

170,000 1,077 1,269 438 1,138 1,340 508 1,199 1,409 508

175,000 1,102 1,296 451 1,164 1,370 524 1,225 1,441 524

180,000 1,127 1,325 463 1,188 1,398 540 1,250 1,472 540

185,000 1,148 1,351 477 1,212 1,427 555 1,277 1,502 555

190,000 1,172 1,379 490 1,238 1,456 571 1,302 1,533 571

195,000 1,195 1,405 504 1,262 1,483 585 1,328 1,562 585

200,000 1,218 1,433 516 1,285 1,511 601 1,351 1,591 601

EACH ADD'L

5,000 25 29 13 25 30 16 26 32 16






TENANT

BUILDINGS

TENANTTENANTOWNER OCC OWNER OCC OWNER OCC

BUILDINGS

BASIC FORM DF-1 BROAD FORM DF-2 SPECIAL FORM DF-3

(FIRE, EC, VAND. #)

BUILDINGS




3 AND FOUR 4 DWELLINGS (Non-Seasonal)


$1,000 DED. FRAME UNPROTECTED $1,000 DED.

ACTUAL CASH VALUE


1,000 ___ ___ 7 *** ___ ___ 8 *** ___ ___ 8 ***

2,000 ___ ___ 9 *** ___ ___ 10 *** ___ ___ 10 ***

4,000 ___ ___ 16 ___ ___ 18 ___ ___ 18

6,000 ___ ___ 25 ___ ___ 29 ___ ___ 29

8,000 ___ ___ 29 ___ ___ 34 ___ ___ 34

10,000 ___ ___ 36 ___ ___ 43 ___ ___ 43

12,000 ___ ___ 43 ___ ___ 51 ___ ___ 51

14,000 ___ ___ 49 ___ ___ 59 ___ ___ 59

16,000 477 ** 563 ** 59 506 ** 596 ** 66 532 ** 626 ** 66

18,000 503 ** 592 ** 62 529 ** 624 ** 73 558 ** 657 ** 73

20,000 525 ** 618 ** 72 552 ** 650 ** 82 583 ** 686 ** 82

25,000 557 ** 654 ** 85 587 ** 690 ** 99 618 ** 726 ** 99

30,000 589 692 103 619 ** 729 ** 118 653 ** 769 ** 118

35,000 609 716 118 641 ** 755 ** 139 677 ** 795 ** 139

40,000 628 740 134 664 780 157 699 ** 821 ** 157

45,000 650 764 152 687 808 177 722 ** 850 ** 177

50,000 670 789 170 708 832 198 744 876 198

55,000 692 815 187 729 858 217 769 905 217

60,000 713 838 204 753 887 235 793 932 235

65,000 738 867 220 777 915 256 819 963 256

70,000 761 896 237 802 944 276 845 995 276

75,000 784 922 255 828 974 296 871 1,025 296

80,000 808 950 273 851 1,003 316 898 1,056 316

85,000 832 979 289 879 1,034 337 924 1,088 337

90,000 858 1,009 307 905 1,064 356 953 1,121 356

95,000 885 1,040 322 935 1,099 374 983 1,156 374

100,000 911 1,070 339 961 1,130 394 1,012 1,189 394

105,000 937 1,102 355 987 1,163 415 1,040 1,224 415

110,000 961 1,132 372 1,014 1,193 433 1,069 1,257 433

115,000 990 1,164 389 1,044 1,228 452 1,099 1,293 452

120,000 1,018 1,198 404 1,074 1,266 471 1,132 1,331 471

125,000 1,048 1,233 420 1,108 1,302 489 1,164 1,370 489

130,000 1,077 1,267 438 1,137 1,338 510 1,198 1,408 510

135,000 1,111 1,305 456 1,172 1,378 529 1,233 1,450 529

140,000 1,138 1,340 472 1,202 1,414 547 1,266 1,489 547

145,000 1,172 1,378 488 1,235 1,454 568 1,301 1,530 568

150,000 1,202 1,414 506 1,270 1,494 588 1,335 1,572 588

155,000 1,235 1,451 523 1,302 1,533 607 1,370 1,614 607

160,000 1,266 1,489 540 1,335 1,572 628 1,408 1,656 628

165,000 1,296 1,524 556 1,366 1,607 647 1,438 1,692 647

170,000 1,322 1,557 575 1,396 1,644 668 1,472 1,730 668

175,000 1,353 1,592 593 1,430 1,682 688 1,504 1,769 688

180,000 1,383 1,627 608 1,459 1,717 709 1,536 1,807 709

185,000 1,409 1,660 627 1,489 1,752 728 1,567 1,843 728

190,000 1,438 1,692 644 1,520 1,786 749 1,598 1,881 749

195,000 1,467 1,726 662 1,549 1,821 768 1,631 1,918 768

200,000 1,495 1,759 677 1,576 1,855 789 1,660 1,953 789

EACH ADD'L

5,000 30 35 18 30 38 20 33 39 20






OWNER OCC

BUILDINGS

TENANTOWNER OCC

SPECIAL FORM DF-3

(FIRE, EC, VAND. #)

OWNER OCC

BUILDINGS

TENANT

BUILDINGS

TENANT




BILLING PROCEDURES

See the Billing Information section of this Agent’s Manual.

RATING TERRITORIES AND LOCATION OF RISK MODIFIERS (LORM)

TERR DESCRIPTION LORM

TERR. 1 Remainder of State 1.00

TERR. 2 Counties of Anoka, Carver, Dakota, Hennepin (excluding City of Minneapolis), Ramsey (excluding City of St. Paul), Scott, Sherburne, Washington & Wright

1.30

TERR. 3 Counties of Aitkin, Beltrami, Carlton, Cass, Clearwater, Cook, Crow Wing, Itasca, Koochiching, Lake, Lake of the Woods, Mahnomen

1.00

TERR. 4 Cities of Duluth, Hermantown and Proctor 1.00

TERR. 5 St. Louis County (excluding cities of Duluth, Hermantown and Proctor) 1.05

TERR. 6 Cities of Minneapolis & St. Paul 1.90

DEDUCTIBLES

The policy deductible may be changed by applying the appropriate Modification Factor to:

1. Premium from Base Premium Charts; and

2. Premium for the Related Private Structures optional endorsements and for amended limits for Coverage C (DF-1, DF-2, DF-3 only).

Deductible Factor

DF-1, DF-2, DF-3

$100 Flat 1.50

$100 AOP / $500 Wind/Hail 1.25

$100 AOP - $1,000 Wind/Hail 1.20

$250 Flat 1.25

$250 AOP / $500 Wind/Hail 1.22

$250 AOP / $1,000 Wind/Hail 1.08

$500 Flat 1.10

$500 AOP / $1,000 Wind/Hail 1.05

$500 AOP / $2,000 Wind/Hail 0.97

$1,000 Flat 1.00 (Base)

$1,000 AOP / $2,000 Wind/Hail 0.94

$2,500 Flat 0.87

$5,000 Flat 0.75

$10,000 Flat 0.65

PROTECTIVE DEVICES - ML-216

The following premium discounts will be allowed for the installation of a fire and/or smoke alarm or automatic sprinkler system in the dwelling. Systems must be UL approved and maintained in good working condition.

1. Central Station Fire and/or Smoke Alarm Systems - a discount of 5%. 2. Fire Department and/or Smoke Alarm Systems - a discount of 3%. 3. Local Fire or Smoke Alarm Systems - a discount of 2%. (For the purposes of this rule, a Local Fire or Smoke

Alarm System shall include smoke, heat or gas detectors.) This discount is not available when a discount for a Central Station Alarm System or a Fire Department/Police Department Alarm System applies.

4. Fire Suppression Sprinkler Systems - a discount of 3%.

These discounts apply to the Building and Contents premiums from the BASE PREMIUM CHARTS for the coverage being written. Maximum discount allowed is 8%.

WOOD SHINGLE SURCHARGE

All Dwelling policies with risks that have wood shingles will be surcharged 10%. This surcharge would apply to the base premium.

http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/ML-216.pdf



OPTIONAL COVERAGES

BACK UP OF SEWER, DRAIN OR SUMP SYSTEM - DF-208

(Policy Forms DF-2 and DF-3) (This is not Flood Insurance)

For an additional premium coverage for direct loss to covered property caused by water which enters the dwelling through sewer, drains or sump systems may be added. This coverage is available when the Broad Form (DF-2) or Special Form (DF-3) is written. This coverage does not apply to Coverage B or D. This coverage does not apply to Debris Removal under Incidental Coverages or to a loss caused by the named insured's negligence. The policy deductible amount and provisions apply to this coverage.

Limit of Liability: $1,000 $2,500 $5,000 Additional Premium: $15 $30 $45

NOTE: An agent cannot bind coverage. Coverage does not become effective until 15 days after the effective date shown on the Declarations issued for this coverage.

CONDOMINIUM UNIT-OWNERS ADDITIONS

Broad Form - Unit-Owners - DF-32

When policy form DF-2 is issued to a condominium unit-owner to cover the unit contents, 10% of the Coverage C limit is automatically extended to cover the unit-owner’s interest in fixtures, additions, alterations, structures, installations, and other building related items. Coverage applies on a broad perils basis at no extra charge. The limit that applies will show on the Declarations as Coverage A - Condominium Fixtures, Additions, and Alterations. The 10% limit may be increased for an additional charge shown in the chart below. The additional charge applies only to the amount of increase.

Protected Part Protected & Unprotected Increased Limit (per $1,000) 3.00 4.50 Special Form - Unit-Owners - DF-33

Coverage for the unit-owner’s interest in fixtures, additions, alterations, structures, installations, and other building related items may be changed from named perils coverage to risks of direct physical loss unless the loss is excluded from coverage. Use the Base Limit rate in the chart below to calculate the charge for converting the base limit (10% of Coverage C limit) to special perils coverage. If a higher limit applies then also charge the Increased Limit rate in the chart below to the amount of increase.

Protected Part Protected & Unprotected Base Limit (per $1,000) 2.10 3.00 Increased Limit (per $1,000) 3.50 5.00

Coverage for condominium fixtures, additions, alterations, structures, installations, and other building related items may be provided on a replacement cost basis for an additional charge (DF-32 or DF-33). The additional charge is calculated by adding the base limit (10% of Coverage C limit) and increased limit, if any, together and multiplying by 0.50 per $1,000. DF-1467 will be attached and the declarations will show that it applies to Coverage A - Condominium Fixtures, Additions, and Alterations.


http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/DF-32%20%208-07.pdf




LOSS ASSESSMENT AND ASSOCIATION DEDUCTIBLE - SCHEDULED LOCATIONS - DF-50

Property coverage for loss assessment and association deductible arising out of a scheduled location can be added. The location this coverage applies to must be listed with a limit shown for that location.

Loss Assessment coverage (under Incidental Coverages) applies when the insured’s financial obligation arises out of an assessment levied by the association and that results from a loss to property that is owned collectively by all association members.

Association Deductible coverage applies when a master policy deductible is charged against the insured during the policy period and results from a direct loss to property that:

would be eligible for coverage under the Dwelling Fire policy if it was owned by an insured or was an insured’s insurance responsibility;

is covered under the association’s master policy; and

is caused by a peril insured against, other than earthquake, that is covered by the Dwelling Fire policy.

Rates per $1,000 insurance:

Protected Part Protected & Unprotected Basic Form (DF-1) 2.80 4.30 Broad Form (DF-2) 3.00 4.50 Special Form (DF-3) 3.40 4.90 Broad Form (DF-2) With Endorsement DF-33 3.40 4.90

* To Delete Vandalism On Basic Form DF-1 – Multiply Rates By .96.

COVERAGE D - ADDITIONAL LIVING COSTS AND FAIR RENTAL VALUE

1. Coverage is provided on a limited basis as follows:

Basic Form (DF-1), Broad Form (DF-2) or Special Form (DF-3) - Up to 10% of the residence limit is available for Coverage D - Additional Living Costs/Fair Rental Value as additional insurance. There is no automatic coverage when only Coverage C - Personal Property is written.

2. Coverage may be increased or added as follows:

Basic Form (DF-1), Broad Form (DF-2) or Special Form (DF-3) - When only Coverage C is written, Coverage D can be purchased from dollar one. When Coverage A is written, Coverage D can be increased for an additional charge (additional charge only applies to the amount of increase). In either case, use the following chart:

Additional Living Costs and Fair Rental Value All Occupancies - Frame and Masonry Rates Per $1,000 of Coverage Protected Partially Protected & Unprotected

Basic Form (DF-1) 3.00* 4.00* Broad Form (DF-2) 4.00 5.00 Special Form (DF-3) 5.00 6.00

* To delete Vandalism Coverage on Basic Form (DF-1) only - multiply rates by .96.

FIRE DEPARTMENT SERVICE CHARGE

The policy includes coverage for Fire Department Service Charge to $500. This may be increased as needed.

Additional Premium: $16 per $1,000 of coverage.

http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/DF-50%20%208-07.pdf



MOBILE OR TRAILER HOMES (Fire Policy)

Underwriting Requirements: 1. Must be permanently located on permanent foundation. 2. Must be written with other good supporting coverage. 3. Can be written only under Basic Form (DF-1). Not acceptable for Broad Form (DF-2) or Special Form (DF-3) coverage.

Annual Premium: The annual Basic Form (DF-1) premium shall be that shown in the Base Premium Chart for a 1 family frame dwelling under the same protection class plus the following loading per $1,000:

Mobile/Trailer Home - Occupied by owner ............................ $10.00 Mobile/Trailer Home - Not occupied by owner ...................... 13.00 Contents - All occupancies .................................................... 10.00

Seasonal Mobile Homes shall be rated the same as a non-seasonal Mobile Home. For minimum coverage amount, refer to the Minimum Coverage Limits paragraph on page NSDWG-2.

RELATED PRIVATE STRUCTURES

The perils and deductible option must be the same for all Coverage A and Coverage B structures covered by the same policy. Apply the appropriate deductible factors to the rating of Related Private Structures.

1. Coverage is provided in the forms on a blanket basis as follows:

Basic Form (DF-1), Broad Form (DF-2) or Special Form (DF-3) - Up to 10% of the residence limit is available as additional insurance.

The blanket limit may not be increased. To be eligible for coverage under this rule, a private structure cannot be:

-- used for business purposes; or -- rented or held for rental to anyone other than a tenant of the residence, except for use solely as a private

garage.

2. Increased Limit - An additional amount of insurance can be provided for specific private structures that are covered under Coverage B. Coverage B is intended to provide coverage for structures that are pertinent to the household and not used or designed for business purposes. Typically these are detached garages or small backyard storage sheds for lawn mowers, snow blowers, garden equipment, etc. Use the rating information shown in item 6. below. Endorsement ML-48 will be used and entries to describe the covered structures and show the additional amount of coverage that applies to each structure will be made.

3. On Premises - Specifically Scheduled Structures - When an acceptable private structure is over 1,600 square feet or there is more than 1 private structure on the premises then the private structure must be specifically scheduled for its actual cash value. The limit that applies to Coverage B does not apply to specifically scheduled structures. With underwriting approval, a building is acceptable when the following are met:

a. Building is not used or designed for business purposes. b. Building must be in good condition. c. Building must be written at 100% of actual cash value.

Use the rating information shown in item 6. below. Endorsement NS-248 will be used and entries to describe the covered structures and the amount of coverage that applies to each structure will be made.

4. Residential Rental to Others - A private structure rented, in whole or in part, to others for dwelling purposes shall be rated as a non-owner occupied, Coverage A - Residence. It will then be designated as a Coverage A - Residence on the declarations.

5. Other Related Private Structures - Other related private structures, not described above, can be covered if they are not:

-- used for business purposes; or -- rented or held for rental to anyone other than a tenant of the residence, except for use solely as a private

garage.

Rate each structure separately as a one-family, owner-occupied Coverage A - Residence. The structure will be described on the declarations along with its location and the limit that applies.



RELATED PRIVATE STRUCTURES (CONTINUED)

6. Rate items 2. and 3. above from the following chart:

Basic Form (DF-1), Broad Form (DF-2) and Special Form (DF-3)

Related Private Structures All Occupancies - Frame and Masonry Rates Per $1,000 of Coverage Protected Partially Protected & Unprotected

Basic Form (DF-1) 4.00* 5.00* Broad Form (DF-2) 4.50 5.50 Special Form (DF-3) 5.00 6.00

* To delete Vandalism Coverage on Basic Form (DF-1) only - multiply rates by .96.

NOTE: Policies with only related private structures coverage may only be written with supporting coverage.

REPLACEMENT COST COVERAGE - DF-1467 (DF-2 and DF-3) (Applies to Buildings, Including Roof Surfacing)

All forms provide coverage on an ACTUAL CASH VALUE basis. Dwellings and Related Private Structures may be changed to a Replacement Cost basis when Broad Form (DF-2) or Special Form (DF-3) is written. For Replacement Cost Coverage on the Dwelling, increase base premium by 12% and schedule the dwelling on DF-1467. For Replacement Cost on Related Private Structures scheduled on NS-248, increase the premium charge for the scheduled structure by 12% and schedule the related private structure on DF-1467. NOTE: Inflation Guard will automatically apply to those buildings written on a replacement cost basis. The limits of insurance for the building(s) will automatically increase annually based on changing construction costs factors.

To qualify for Replacement Cost Coverage, the following Eligibility Rules/Underwriting Requirements must be met:

1. Recent photos showing all roof surfaces must accompany each application or endorsement request. 2. The dwelling must be insured to at least 80% or more of its full replacement cost. A dwelling that has

replacement value substantially greater than the market value is not eligible. 3. The Related Private Structure must be specifically insured for a minimum of 80% of its full replacement cost. 4. The policy must be written on a Broad Form (DF-2) or Special Form (DF-3) policy. 5. Any existing hail or windstorm damage must be disclosed on the application or endorsement request. 6. There cannot be over one layer of roofing (shingles). 7. Dwellings or buildings with wood shingles are not eligible for DF-1467. 8. Dwelling updates must meet the following requirements: a. Electrical – 100 amps. b. Plumbing – updated in the last 40 years. c. Heating – replaced in the last 30 years. d. Shingles - 10 years of age or less.

For dwelling and related private structures that would otherwise qualify for Replacement Cost Coverage, but the shingles are over 10 years of age, refer to Replacement Cost Coverage – DF-1786.

REPLACEMENT COST COVERAGE - DF-1786 (DF-2 and DF-3) (Applies to Buildings, NOT Roof Surfacing)

Dwellings or Related Private Structures that meet all Eligibility Rules/Underwriting Requirements for Replacement Cost Coverage – DF-1467, except the shingles are over 10 years of age, may use DF-1786 to provide Replacement Cost Coverage on the Dwelling or Related Private Structure AND Actual Cash Value on the roof surfacing. For Replacement Cost Coverage on the Dwelling (Actual Cash Value Roof Surfacing), increase base premium by 5% and schedule the dwelling on DF-1786. For Replacement Cost on Related Private Structures scheduled on NS-248 (Actual Cash Value Roof Surfacing), increase the premium charge for the scheduled structure by 5% and schedule the related private structure on DF-1786. NOTE: Inflation Guard will automatically apply to those buildings written on a replacement cost basis. The limits of insurance for the building(s) will automatically increase annually based on changing construction costs factors.


http://northstarmutual.com/UserFiles/File/forms/policyforms/Current/DF-1786%201-15.pdf



SEASONAL DWELLINGS

A seasonal dwelling is a dwelling with continuous unoccupancy of 3 or more consecutive months during any 1 year period or a secondary dwelling of an insured, in addition to their primary dwelling, which may be used intermittently on a year round basis.

Premiums for seasonal dwellings: Apply the factor shown below to the appropriate Dwelling or Contents premiums shown in the Base Premium Charts or Related Private Structures rates or premiums. For minimum coverage amount, refer to the Minimum Coverage Limits paragraph on NSDWG-2.

Dwelling or Related Private Structures ......................... .65 Contents .................................................................. 1.00

THEFT COVERAGE

All Dwelling Fire forms exclude loss by theft of the insured’s property. The North Star has available as optional coverage, the following theft coverages.

1. Owner Occupied Dwellings, Co-op or Condo Units; and Apartments Occupied By Tenant (Named Insured). a. The policy insuring Coverage A - Residence or Coverage C - Personal Property may be extended to provide

On-Premises or Off-Premises Coverage for the perils of Theft and Vandalism resulting from theft. b. The minimum limit of insurance is $1,000 each for On-Premises and Off-Premises Coverage. c. Off-Premises Coverage is only available when On-Premises Coverage is purchased. The limit of insurance

for Off-Premises Coverage shall not be greater than that selected for On-Premises Coverage.

Compute the premiums for the desired limit of insurance separately for On-Premises and Off-Premises Coverage.

Nonseasonal: Rates per $1,000 On-Premises $ 6.00 Off-Premises $15.00

Seasonal: Rates per $1,000 On-Premises $12.00 Off-Premises $30.00

Use Endorsement DF-34 Broad Theft Coverage.

2. Non-Owner Occupied Dwellings, Co-op or Condo Units; and Apartments Occupied by Tenant (Other Than Named Insured). a. The policy insuring Coverage A-Residence or Coverage C-Personal Property may be extended to provide

On-Premises Coverage only. b. The minimum limit of insurance is $1,000.

On-Premises Coverage may be added for an additional premium of $16.00 per $1,000.

Use Endorsement DF-35 Limited Theft Coverage.

3. Residence Under Construction. The policy insuring Coverage A-Residence may be extended to provide loss by theft or attempted theft in or to

a residence being built or theft of materials or supplies for use in construction of the residence until the residence is occupied.

This endorsement gives the theft coverage for 180 days at a flat premium charge of $20 per $1,000 of coverage. You must specify the amount of coverage wanted on this endorsement. The coverage provided by this endorsement is subject to the policy deductible. The premium charged for this endorsement is a retained premium.

Use Endorsement NS-413 Dwelling Under Construction Theft Coverage.



http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/NS-413.pdf



THEFT COVERAGE - (Continued)

4. Protective Devices The following discounts may be applied to the premium determined for on-premises broad or limited theft

coverage for the installation of a burglar alarm system. Systems must be UL approved and maintained in good working condition.

a. Central Station Burglary Alarm System - a discount of 5%.

b. Burglary Alarm System that alerts the Police Department - a discount of 3%.

c. Burglary Local Alarm System - a discount of 2%. This discount is not available when items a. or b. apply.

Use Endorsement ML-216 Protective Devices.

TOWNHOUSES

Townhouses are defined as “a type of dwelling unit normally having 2, but sometimes 3, stories and usually connected to a similar structure by a common wall” (If Townhouse is owned by an Association, it’s important that the contract agreement includes floor joists, wall board, etc.). For example, a 2 family dwelling attached to a 1 family dwelling is considered 3 individual family units within a Fire Division if both dwellings are not separated by an approved fire wall.

A policy may be issued for Coverage A - Residence when the dwelling contains 1, 2, 3 or 4 individual family units within a Fire Division. 1 - 4 Family Townhouses will be rated using the Base Premium Charts. Determine the protection class, type of construction, number of individual family units within a Fire Division, type of form and whether owner-occupied or tenant and use the appropriate Base Premium Charts to rate.

A policy may be issued for Coverage C - Personal Property in a dwelling with 1 or more individual family units within a Fire Division.

1. 1-4 families: Determine the protection class, type of construction, number of individual family units within a Fire Division, and type of form and use the appropriate Base Premium Chart to rate.

2. 5 or more families: Refer to Home Office.

UNDERGROUND SERVICE LINE COVERAGE – DF-2216

The property coverage form will be extended to provide coverage for direct physical loss to service lines that are owned by the insured or for which the insured is legally liable to repair. This will include such things as underground pipes, including their valves and equipment and also underground wires; that convey a utility service such as water, sewage, electricity, gas, steam or communications to or from the residence on the described location. The loss must be caused by or result from a mechanical breakdown, artificially generated electric current, wear and tear, freezing, including frost heave and thaw or weight of equipment, animals, or people. The limit of coverage is $10,000. The most we will pay for any tree, plant, or shrub is $500. A $500 deductible applies to this coverage.

The insured may request to have this coverage added.

Additional Premium: $25

http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/ML-216.pdf

https://www.northstarmutual.com/UserFiles/Documents/forms/policyforms/Current/DF-2216%201-20.pdf



WOODBURNING/SOLID FUEL SURCHARGE

All owner occupied dwellings with woodburning equipment (except dwellings with a masonry fireplace and a brick/masonry chimney or a metal chimney purchased after 1986 that withstands up to 2100 degree temperatures) or solid fuel burning equipment (corn, wood pellets, etc.) will be surcharged per year. A masonry fireplace with insert is a fireplace that was originally built as a masonry fireplace and later had an insert installed - this will take the surcharge. Tenant occupied dwellings are not eligible for coverage if they have woodburning/solid fuel equipment.

1. Homemade woodburning and solid fuel stoves are not acceptable 2. Woodburning or solid fuel stoves that share a common flue with other heating appliances will be unacceptable.

All woodburning or solid fuel stoves must have their own separate flue. 3. Woodburning or solid fuel stoves that have not been professionally installed will generally be unacceptable. Full

details of installation along with a photo of the stove must be submitted if special consideration is to be given. 4. Whenever a dwelling application is submitted for a dwelling having a woodburning or solid fuel stove, the

CF-624 - Solid Fuel Questionnaire must be completed and attached to the application.

Primary Dwelling

1. Protected and Partially Protected risks $50.00 2. Unprotected risks $65.00

Seasonal Dwelling

1. Protected and Partially Protected risks $25.00 2. Unprotected risks $25.00

RENTAL OR SEASONAL DWELLING LIABILITY - NS-800

Rental or seasonal dwelling liability coverage (for 1, 2, 3 and 4 family dwellings) may be added to the dwelling policy using the premiums from the table shown below. Medical Payments of $5,000 is included.

Liability (each occurrence) $25,000 $50,000 $100,000 $300,000 $500,000 $1,000,000 Medical Payments (each person) $5,000 $5,000 $5,000 $5,000 $5,000 $5,000

1 Family 29 34 39 44 49 74 2 Family 45 51 57 63 69 104 3 Family 63 70 77 84 91 137 4 Family 79 87 95 103 111 167

PERSONAL LIABILITY - NS-700 OR NS-710

For owner occupied dwellings, Personal Liability or Farm Personal Liability coverage may be added. Refer to the Farm/Personal Liability section of your Agents Manual for rules and premiums.


