filing at a glance - am best · toi: 04.0 homeowners sub-toi: 04.0000 homeowners sub-toi...

PDF Pipeline for SERFF Tracking Number NWPC-126375193 Generated 02/23/2010 02:49 PM

SERFF Tracking Number: NWPC-126375193 State: Ohio

First Filing Company: Allied Property and Casualty Insurance

Company., ...

State Tracking Number: NWPC-126375193

Company Tracking Number: 09H-I-6382OH-SB

TOI: 04.0 Homeowners Sub-TOI: 04.0000 Homeowners Sub-TOI Combinations

Product Name: Homeowners

Project Name/Number: Ohio Precision/09H-I-6382OH-SB

Filing at a Glance

Companies: Allied Property and Casualty Insurance Company., Nationwide Affinity Insurance Company of America.

Product Name: Homeowners SERFF Tr Num: NWPC-126375193State: Ohio

TOI: 04.0 Homeowners SERFF Status: Closed-FILED State Tr Num: NWPC-126375193

Sub-TOI: 04.0000 Homeowners Sub-TOI

Combinations

Co Tr Num: 09H-I-6382OH-SB State Status: FILED

Filing Type: Rate/Rule Reviewer(s): Valerie Baader, Walt

Wulliger

Author: Sherry Bennett Disposition Date: 01/14/2010

Date Submitted: 11/06/2009 Disposition Status: FILED

Effective Date Requested (New): 12/12/2009 Effective Date (New): 12/12/2009

Effective Date Requested (Renewal): 01/26/2010 Effective Date (Renewal):

01/26/2010

General Information

Project Name: Ohio Precision Status of Filing in Domicile: Not Filed

Project Number: 09H-I-6382OH-SB Domicile Status Comments:

Reference Organization: Reference Number:

Reference Title: Advisory Org. Circular:

Filing Status Changed: 01/14/2010

State Status Changed: 01/14/2010 Deemer Date:

Created By: Sherry Bennett Submitted By: Sherry Bennett

Corresponding Filing Tracking Number:

State TOI: 04.0 Homeowners State Sub-TOI: 04.0000 Homeowners Sub-TOI

Combinations

Filing Description:

Enclosed for filing on behalf of Allied Property and Casualty Insurance Company and Nationwide Affinity Insurance

Company of America, are revised rates and rules applicable to our Precision Homeowners Program in Ohio. Allied

Property and Casualty and Nationwide Affinity are members of Allied Insurance - a member of Nationwide Insurance,

based in Des Moines, Iowa.

We are filing these changes to be effective December 19, 2009 for new business and January 26, 2010 for renewals.

The overall impact proposed is 12.5 percent. Please see the explanatory memorandum and manual pages which




Company., ...






discuss the details of the changes.

The last rate change for this program was effective May 23, 2009 for new business and June 7, 2009 for renewals. The

overall impact was 0.4 percent.

If you have any questions, feel free to contact me at 1-800-532-1436 ext. 4620, or I can be reached via facsimile at 515-

508-7331 or by email at [email protected].

Company and Contact

Filing Contact Information

Sherry Bennett, State Filings Analyst [email protected]

1100 Locust Street 515-508-4620 [Phone]

DM-01-0203 4th Floor 515-508-4732 [FAX]

Des Moines, IA 50309-9775

Filing Company Information

Allied Property and Casualty Insurance

Company.

CoCode: 42579 State of Domicile: Iowa

One Nationwide Plaza Group Code: 140 Company Type: Property and

Casualty

Columbus, OH 43215 Group Name: Nationwide InsuranceState ID Number:

(614) 249-7022 ext. [Phone] FEIN Number: 42-1201931

---------

Nationwide Affinity Insurance Company of

America.

CoCode: 26093 State of Domicile: Ohio

One Nationwide Plaza Group Code: 140 Company Type: Property and

Casualty

Columbus, OH 43215 Group Name: Nationwide InsuranceState ID Number:

(614) 249-7022 ext. [Phone] FEIN Number: 48-0470690

---------

Filing Fees

Fee Required? No

Retaliatory? No

Fee Explanation:




Company., ...






Per Company: No

COMPANY AMOUNT DATE PROCESSED TRANSACTION #

Allied Property and Casualty Insurance

Company.

$0.00

Nationwide Affinity Insurance Company of

America.

$0.00

State Specific

Statistical Reporting Agent (AAIS, ISO, ISSI, NCIS, NISS, SAA, etc) REQUIRED on NEW Programs or NEW Lines of

Business: ISO

MANDATORY FIELD: PUBLIC RECORD - Acknowledge that EVERYTHING in this filing will become Public Record per

ORC 3935.04(A) or ORC 3937.03(A): Acknowledged




Company., ...






Correspondence Summary

Dispositions

Status Created By Created On Date Submitted

FILED Walt Wulliger 01/14/2010 01/14/2010

Objection Letters and Response Letters

Objection Letters Response Letters

Status Created By Created On Date Submitted Responded By Created On Date Submitted

Pending

Industry

Response

Walt Wulliger 12/21/2009 12/22/2009 Sherry Bennett 01/11/2010 01/11/2010

Pending

Industry

Response

Walt Wulliger 12/04/2009 12/09/2009 Sherry Bennett 12/17/2009 12/17/2009

Filing Notes

Subject Note Type Created By Created

On

Date Submitted

Respond By Date revised to 1/15/2010 Note To Filer Walt Wulliger 01/05/2010 01/05/2010

Objection Response Deadline Note To Reviewer Sherry Bennett 12/30/2009 12/30/2009

Clarification of the Platinum Package Note To Reviewer Sherry Bennett 12/17/2009 12/17/2009

Clarify new business effective date Note To Reviewer Sherry Bennett 11/09/2009 11/09/2009

Clarify Requested New Business

Effective DateNote To Filer Valerie Baader 11/06/2009 11/06/2009




Company., ...






AA Approved Reviewer Note Walt Wulliger 01/14/2010

CA Approved Reviewer Note Valerie Baader 12/17/2009

CA Sent Dual Letter Reviewer Note Valerie Baader 12/09/2009

AA Started Letter Reviewer Note Walt Wulliger 12/04/2009



First Filing Company: Allied Property and Casualty Insurance Company., ... State Tracking Number: NWPC-126375193





Disposition

Disposition Date: 01/14/2010

Effective Date (New): 12/12/2009

Effective Date (Renewal): 01/26/2010

Status: FILED

Comment:

This filing, as submitted or as amended herein, is Approved under Chapter 3935, or Accepted under Chapter 3937, of the Ohio Revised Code.

IMPORTANT NOTICE: Our records indicate the implementation of this filing on the Effective Date(s) shown herein. If the effective date(s) is/are incorrect or you

need to revise the effective date(s), submit a Note to Reviewer through SERFF with the requested change.

Company Name: Overall %

Indicated

Change:

Overall % Rate

Impact:

Written

Premium

Change for

this

Program:

# of Policy

Holders

Affected for this

Program:

Written

Premium for

this Program:

Maximum %

Change (where

required):

Minimum %

Change (where

required):

Allied Property and

Casualty Insurance

Company.

13.000% 12.600% $245,734 3,414 $1,947,837 % %

Nationwide Affinity

Insurance Company of

America.

13.000% 8.400% $5,571 138 $66,370 % %








Overall Rate Information for Multiple Company Filings

Overall Percentage Rate Indicated For This Filing 0.000%

Overall Percentage Rate Impact For This Filing 12.500%

Effect of Rate Filing-Written Premium Change For This Program $251,305

Effect of Rate Filing - Number of Policyholders Affected 3,552




Company., ...






Schedule Schedule Item Schedule Item Status Public Access

Supporting Document Filing Requirements Summary - P&C Filed Yes

Supporting Document Response to 12-09-09 Filing Objection Filed Yes

Supporting Document Response to 12-22-09 Filing Objection Filed Yes

Rate LOP & Replaced Manual Pages Filed Yes




Company., ...






Objection Letter

Objection Letter Status Pending Industry Response

Objection Letter Date 12/21/2009

Submitted Date 12/22/2009

Respond By Date 01/15/2010

Dear Sherry Bennett,

RESPOND BY: January 8, 2010

In order for us to continue our review, respond via SERFF to the following:

Objection 1

No Objections

Comment: In your response to objection 3, you provided indicated relativities by territory for HO2, HO3 and HO5.

Describe how the indicated relativity was calculated. If any competitor relativities were used, list the names of those

competitors.

Objection 2

No Objections

Comment: In your response to objection 3, approximately one fourth of the proposed territory relatives differ from the

indicated value. Some deviations are as high as 20% above the indicated value and some as low as 20% below the

indicated value.

For each deviation, provide the reasoning or logic for the difference.

Objection 3

No Objections

Comment: For your response to objection 6, provide the reasoning for selecting relativities above the indicated

relativities for the higher protection classes. In some cases the selected factors are signigicanlty higher.

Objection 4

No Objections

Comment: For your answer to objection 5, provide the calculations that make up the Indicated Factors column.

It is necessary to provide additional support for those selected factors above the indicated factors.

Sincerely,




Company., ...






Walt Wulliger

Response Letter

Response Letter Status Submitted to State

Response Letter Date 01/11/2010


Dear Valerie Baader,

Comments:

This correspondence is in response to the Filing Objection received on 12-22-09.

Response 1Comments: Responses have been attached on the Supporting Documentation tab as 'Response to 12-22-09 Objection'.

Related Objection 1

Comment:

In your response to objection 3, you provided indicated relativities by territory for HO2, HO3 and HO5. Describe

how the indicated relativity was calculated. If any competitor relativities were used, list the names of those

competitors.

Changed Items:

Supporting Document Schedule Item Changes

Satisfied -Name: Response to 12-22-09 Filing Objection

Comment:

No Form Schedule items changed.

No Rate/Rule Schedule items changed.


Related Objection 1

Comment:

In your response to objection 3, approximately one fourth of the proposed territory relatives differ from the

indicated value. Some deviations are as high as 20% above the indicated value and some as low as 20% below




Company., ...






the indicated value.

For each deviation, provide the reasoning or logic for the difference.

Changed Items:

No Supporting Documents changed.




Related Objection 1

Comment:

For your response to objection 6, provide the reasoning for selecting relativities above the indicated relativities for

the higher protection classes. In some cases the selected factors are signigicanlty higher.

Changed Items:





Related Objection 1

Comment:

For your answer to objection 5, provide the calculations that make up the Indicated Factors column.

It is necessary to provide additional support for those selected factors above the indicated factors.




Company., ...






Changed Items:




Thank you for your time on this review.

Sincerely,

Sherry Bennett




Company., ...






Objection Letter

Objection Letter Status Pending Industry Response

Objection Letter Date 12/04/2009


Respond By Date 12/31/2009

Dear Sherry Bennett,

RESPOND BY: December 31, 2009

In order for us to continue our review, respond via SERFF to the following:

Objection 1

No Objections

Comment: Provide the algorithm for the weighting of each year’s loss ratio in the indications and why it is so different

than the previous indication.

Objection 2

No Objections

Comment: Discuss what has changed for the HO-2, HO-3 and HO-5 forms indication loss costs trends that were a

combined 1% in the previous filing submission and are now considerably higher.

Objection 3

No Objections

Comment: For HO-2, HO-3 and HO-5, the impacts by territory vary. Provide support for the base rate changes by

territory and indicate whether there is a change in relativity.

Confirm that the territory relativities are not changing for forms HO-4 and HO-6.

Objection 4

No Objections

Comment: For each of the endorsements that are listed as having rate changes and no rate impact exhibit is included,

provide the details on what rates are changing and by how much. Estimate a premium impact and include the current

endorsement premium amount.

Objection 5

No Objections

Comment: Provide risk-based support for the revisions to the Financial Responsibility factors.




Company., ...






Objection 6

No Objections

Comment: Provide risk-based support for the protection class factor revisions.

Objection 7

No Objections

Comment: Provide support for the new Amount of Insurance factors.

Objection 8

No Objections

Comment: Submit the rates/rating rules applicable to the new "Platinum" package coverage option.

Valerie Baader, Contract Analyst

614-644-3767

Walt Wulliger, Actuarial Analyst

614-728-1262

Sincerely,

Valerie Baader

Response Letter

Response Letter Status Submitted to State

Response Letter Date 12/17/2009


Dear Valerie Baader,

Comments:

This correspondence is in response to the filing objection received on 12-09-09.

Response 1Comments: Response documents have been attached on the Supporting Documentation tab as Response to 12-09-09

Objection.

Related Objection 1

Comment:

Provide the algorithm for the weighting of each year’s loss ratio in the indications and why it is so different than the

previous indication.




Company., ...






Changed Items:

Supporting Document Schedule Item Changes

Satisfied -Name: Response to 12-09-09 Filing Objection

Comment:




Objection.

Related Objection 1

Comment:

Discuss what has changed for the HO-2, HO-3 and HO-5 forms indication loss costs trends that were a combined

1% in the previous filing submission and are now considerably higher.

Changed Items:





Objection.

Related Objection 1

Comment:

For HO-2, HO-3 and HO-5, the impacts by territory vary. Provide support for the base rate changes by territory and

indicate whether there is a change in relativity.

Confirm that the territory relativities are not changing for forms HO-4 and HO-6.




Company., ...






Changed Items:





Objection.

Related Objection 1

Comment:

For each of the endorsements that are listed as having rate changes and no rate impact exhibit is included,

provide the details on what rates are changing and by how much. Estimate a premium impact and include the

current endorsement premium amount.

Changed Items:





Objection.

Related Objection 1

Comment:

Provide risk-based support for the revisions to the Financial Responsibility factors.

Changed Items:




Company., ...










Objection.

Related Objection 1

Comment:

Provide risk-based support for the protection class factor revisions.

Changed Items:





Objection.

Related Objection 1

Comment:

Provide support for the new Amount of Insurance factors.

Changed Items:






Company., ...








Objection.

Related Objection 1

Comment:

Submit the rates/rating rules applicable to the new "Platinum" package coverage option.

Changed Items:





Sincerely,

Sherry Bennett




Company., ...






Note To Filer

Created By:

Walt Wulliger on 01/05/2010 06:58 AM

Last Edited By:

Walt Wulliger

Submitted On:

01/05/2010 06:59 AM

Subject:

Respond By Date revised to 1/15/2010

Comments:

x




Company., ...






Note To Reviewer

Created By:

Sherry Bennett on 12/30/2009 07:29 AM

Last Edited By:

Sherry Bennett

Submitted On:

12/30/2009 07:29 AM

Subject:

Objection Response Deadline

Comments:

Due to the holidays, and individuals who are responsible for this filing being out of the office, we respectfully request the

deadline for our response to the pending objection be extended one week to the following Friday, January 15, 2010.

Thank you for your consideration.




Company., ...






Note To Reviewer

Created By:

Sherry Bennett on 12/17/2009 02:00 PM

Last Edited By:

Filing Rules Migration

Submitted On:

12/19/2009 02:00 AM

Subject:

Clarification of the Platinum Package

Comments:

There is no discount or special rate for selecting one of the Optional Packages, including the Platinum Package. The

price of the package would be the cumulative price of each of the endorsements which are included in the package. The

packages were created for ease of use in our electronic quoting system, which most of our agents use. Rather than

selecting each endorsement individually, and agent can select one of the Packages and the system will automatically

include all the endorsements on the policy and in the rating.




Company., ...






Note To Reviewer

Created By:

Sherry Bennett on 11/09/2009 08:44 AM

Last Edited By:


Submitted On:

12/19/2009 02:00 AM

Subject:

Clarify new business effective date

Comments:

My apologies for the error on the effective date. The new business effective date should be December 19, 2009.





Company., ...






Note To Filer

Created By:

Valerie Baader on 11/06/2009 03:47 PM

Last Edited By:


Submitted On:

12/19/2009 02:00 AM

Subject:

Clarify Requested New Business Effective Date

Comments:

SERFF shows a date of 12/12/2009, but the Filing Description shows 12/19/2009. Which date should we use?




Company., ...






Reviewer Note

Created By:

Walt Wulliger on 01/14/2010 08:40 AM

Subject:

AA Approved

Comments:

x




Company., ...






Reviewer Note

Created By:

Valerie Baader on 12/17/2009 01:23 PM

Last Edited By:


Submitted On:

12/19/2009 02:00 AM

Subject:

CA Approved

Comments:

x




Company., ...






Reviewer Note

Created By:

Valerie Baader on 12/09/2009 07:21 AM

Last Edited By:


Submitted On:

12/19/2009 02:00 AM

Subject:

CA Sent Dual Letter

Comments:

x




Company., ...






Reviewer Note

Created By:

Walt Wulliger on 12/04/2009 04:32 PM

Last Edited By:


Submitted On:

12/19/2009 02:00 AM

Subject:

AA Started Letter

Comments:

x








Rate InformationRate data applies to filing.

Filing Method: F&U

Rate Change Type: Increase

Overall Percentage of Last Rate Revision: 0.400%

Effective Date of Last Rate Revision: 05/23/2009

Filing Method of Last Filing: F&U

Company Rate InformationCompany Name: Overall %

Indicated

Change:

Overall % Rate

Impact:

Written

Premium

Change for

this

Program:

# of Policy

Holders

Affected for this

Program:

Written

Premium for

this Program:

Maximum %

Change (where

required):

Minimum %

Change (where

required):

Allied Property and

Casualty Insurance

Company.

% 12.600% $245,734 3,414 $1,947,837 % %

Nationwide Affinity

Insurance Company of

America.

% 8.400% $5,571 138 $66,370 % %

Overall Rate Information for Multiple Company FilingsOverall % Rate Indicated:








Overall Percentage Rate Impact For This Filing: 12.500%

Effect of Rate Filing - Written Premium Change For This Program: $251,305

Effect of Rate Filing - Number of Policyholders Affected: 3552




Company., ...






Rate/Rule Schedule

Schedule Item

Status:

Exhibit Name: Rule # or Page

#:

Rate Action Previous State Filing

Number:

Attachments

Filed 01/14/2010 LOP & Replaced

Manual PagesPlease see LOP Replacement LOP & Revised

Manual Pages - Part

1.pdf

LOP & Revised

Manual Pages - Part

2.pdf

ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY

NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA

HOMEOWNERS LISTING OF PAGES

OHIO Page Replaces Description of Changes GR-1 12-09 through GR-3 12-09

GR-1 07-09 through GR-3 07-09

The table of contents has been updated on pages GR-1 through GR-3.

GR-9 12-09 through GR-30 12-09

GR-9 05-08 through GR-30 05-08

Territory Definitions have been updated on pages GR-9 through GR-30, to reflect changes in zip codes made by the U. S. Postal service.

GR-32 12-09 GR-32 05-08 On page GR-32, under Home Renovation, an update has been made to

the sentence regarding qualifying discounts. GR-42 12-09 GR-42 05-08 The Platinum Package has been added under Optional Packages on page

GR-42. GR-43 12-09 GR-43 05-08 Formatting changes have occurred on page GR-43 due to the addition of

text on the preceding page. GR-51 12-09 GR-51 11-08 On page GR-51, under Mine Subsidence, the maximum amount of

coverage has been increased to $300,000. GR-56 12-09 GR-56 05-08 Premier Extra Endorsement has been added on page GR-56. GR-57 12-09 GR-57 05-08 Formatting changes have occurred on page GR-57 due to the addition of

text on the previous page. HOC/HOA-101 12-09 through HOC/HOA-102 12-09

HOC/HOA-101 11-08 through HOC/HOA-102 11-08

The table of contents has been updated on pages HOC/HOA-101 and HOC/HOA-102.

HOC/HOA-103 12-09/ HOC/HOA-104 12-09

HOC/HOA-103 05-08/ HOC/HOA-104 05-08

On pages HOC/HOA-103 and HOC/HOA-104, factors have been revised for Home Renovation.

HOC/HOA-105 12-09/ HOC/HOA-106 12-09

HOC/HOA-105 05-08/ HOC/HOA-106 05-08

Roof Rating factors have been revised on pages HOC/HOA-104 and HOC/HOA-105.

HOC/HOA-107 12-09 HOC/HOA-107 05-08 On page HOC/HOA-107, HO-2, 3, and 5 factors have been revised

under Year of Construction. HOC/HOA-108 12-09 HOC/HOA-108 05-08 On page HOC/HOA-108, HO-2, 3, and 5 factors have been revised

under Age of Insured. HOC/HOA-109 12-09 HOC/HOA-109 05-08 On page HOC/HOA-109, HO-2, 3, and 5 factors have been revised

under Financial Stability. HOC/HOA-111 12-09/ HOC/HOA-112 12-09

HOC/HOA-111 11-08/ HOC/HOA-112 11-08

Merit Rating factors have been revised on pages HOC/HOA-111 and HOC/HOA-112.

HOC/HOA-113 12-09 HOC/HOA-113 05-08 On page HOC/HOA-113, HO-2, 3, and 5 factors have been updated in

the chart for Household Composition, Multiple Poliscy Discount, Occupants, and Personal Status. The number of occupants has been changed in the chart also.



On pages HOC/HOA-115 through HOC/HOA-126, HO-2, 3, and 5 Deductible factors have been revised.



On pages HOC/HOA-130 through HOC/HOA-133, HO-2, 3, and 5 factors have been revised under Minimum Premium.

HOC/HOA-142 12-09/ HOC/HOA-143 12-09

HOC/HOA-142 05-08/ HOC/HOA-143 05-08

On pages HOC/HOA-142 and HOC/HOA-143, HO-2, 3, and 5 factors have been revised under Dwelling Rating Limit.

HOC/HOA-145 12-09 HOC/HOA-145 11-08 On page HOC/HOA-145, HO-2, 3 and 5 factors have been revised under

Territory Adjustment Factors. HOC/HOA-147 12-09 HOC/HOA-147 11-08 On page HOC/HOA-147, rates were revised for Assisted Living

Endorsement, Back-up of Sewer or Drain, and Bicycle Floater. HOC/HOA-148 12-09 HOC/HOA-148 05-08 On page HOC/HOA-148, rates were revised for Building Additions and

Alterations-Other Residence, Building Materials Theft Coverage, Business Property-Increased Limits, and Credit Card, Electronic Fund Transfer Card or Access Card, Forgery and Counterfeit Money.

HOC/HOA-151 12-09 HOC/HOA-151 11-08 On page HOC/HOA-151, rates were revised for Fire Department Service

Charge and Identity Theft or Identity Fraud Expense. HOC/HOA-152 12-09 HOC/HOA-152 11-08 On page HOC/HOA-152, rates were revised for Loss Assessment

Coverage for Residence Premises. HOC/HOA-153 12-09 HOC/HOA-153 11-08 On page HOC/HOA-153, rates were revised for Other Structures,

Permitted Incidental Occupancies-Residence Premises, and Personal Computer Coverage.

HOC/HOA-154 12-09 HOC/HOA-154 11-08 On page HOC/HOA-154, rates have been revised for Increased

Coverage C – Personal Property, Increased Limits-Other Residence, and Increased Special Limits of Liability.

HOC/HOA-155 12-09 HOC/HOA-155 05-08 On page HOC/HOA-155, rates have been revised for Protection Plus

Endorsement, Rental To Others-Theft Coverage, and Personal Jewelry. Rates have been added for the Premier Extra Endorsement.



On pages HOC/HOA-156 through HOC/HOA-158, rates have been revised for Scheduled Personal Property.

HOC/HOA-158 12-09 HOC/HOA-158 11-08 On page HOC/HOA-158, rates have been revised for Sports Equipment

Floater and Student Away From Home. HOC/HOA-165 12-09 through HOC/HOA-174 12-09


Liability rates have been revised on pages HOC/HOA-165 through HOC/HOA-174.



Pages HOC/HOA-176 through HOC/HOA-807 reflects changes to the HO2, HO3, and HO5 Base Rates.

HOC/HOA-2501 12-09 HOC/HOA-2501 11-08 The table of contents has been updated on page HOC/HOA-2501. HOC/HOA-2505 12-09 HOC/HOA-2505 11-08 Rates have been revised for Back-up of Sewer or Drain on page

HOC/HOA-2505.. HOC/HOA-2507 12-09 HOC/HOA-2507 11-08 On page HOC/HOA-2507, rates have been revised for Off Premises

Structures and Scheduled Personal Property. HOC/HOA-2508 12-09 HOC/HOA-2508 11-08 Rates have been revised for Scheduled Property Form on page

HOC/HOA-2508. HOC/HOA-2510 12-09 HOC/HOA-2510 11-08 Rates have been revised for Valuable Articles on page HOC/HOA-2510.



Liability rates have been revised in pages HOC/HOA-2515 through HOC/HOA-2519.

Allied Property and Casualty Insurance Company Nationwide Affinity Insurance Company of America

Homeowner General Rules

©2008, 2009 Allied Property and Casualty Insurance Company, All Rights Reserved Ohio ©2008, 2009 Nationwide Affinity Insurance Company of America, All Rights Reserved Edition 12-09

GR-1

General .........................................................................................................................................................................5 Eligibility .....................................................................................................................................................................5 Not Eligible .................................................................................................................................................................5 Policy Forms ..............................................................................................................................................................6 Mandatory Coverages and Limits...............................................................................................................................6 Policy Period ..............................................................................................................................................................7 Premium Rounding Rule ............................................................................................................................................7 Fixed Expense Fee ....................................................................................................................................................7 Cancellation ...............................................................................................................................................................7

Territory Definitions.....................................................................................................................................................9 Protection Classification Information ...................................................................................................................... 31 Additional Rating Components ................................................................................................................................ 32

Construction Factors ................................................................................................................................................ 32 Construction Type................................................................................................................................................. 32 Home Renovation ................................................................................................................................................. 32 Number of Units.................................................................................................................................................... 32 Roof Rating........................................................................................................................................................... 33

Roof Age ........................................................................................................................................................... 33 Roofing Surfaces............................................................................................................................................... 33

Year of Construction ............................................................................................................................................. 35 Increased Hazards / Hazard Mitigation .................................................................................................................... 35

Gated Community Discount .................................................................................................................................. 35 Miles to Fire Department....................................................................................................................................... 35 Protective Devices Discount ................................................................................................................................. 35 Supplemental Heat ............................................................................................................................................... 36

Insured Factors ........................................................................................................................................................ 37 Age of Insured ...................................................................................................................................................... 37 Financial Stability.................................................................................................................................................. 37 Home Purchase Discount ..................................................................................................................................... 37 Merit Rating .......................................................................................................................................................... 38 Multiple Policy Discount ........................................................................................................................................ 39 Nationwide Associate Discount............................................................................................................................. 39 Occupants............................................................................................................................................................. 39 Personal Status .................................................................................................................................................... 39 Tenure .................................................................................................................................................................. 39

Policy Factors........................................................................................................................................................... 39 Company Specific Expense Factor ....................................................................................................................... 39 Deductibles ........................................................................................................................................................... 39 Form Factor .......................................................................................................................................................... 39 Dwelling Rating Limit ............................................................................................................................................ 40 Minimum Premium................................................................................................................................................ 40 Territory Adjustment Factor .................................................................................................................................. 40 Qualified Group Membership Programs................................................................................................................ 40

Optional Packages..................................................................................................................................................... 42 Platinum Package .................................................................................................................................................... 42 Gold Package........................................................................................................................................................... 42 Silver Package ......................................................................................................................................................... 43

Replacement Cost Factor.......................................................................................................................................... 44 Replacement Cost Factor......................................................................................................................................... 44

Section I Coverages – Property ................................................................................................................................ 44 Assisted Living Endorsement ................................................................................................................................... 44 Back-up of Sewer or Drain ....................................................................................................................................... 44 Bicycle Floater.......................................................................................................................................................... 45 Builder’s Risk ........................................................................................................................................................... 45 Building Additions and Alterations............................................................................................................................ 45

Building Additions and Alterations ........................................................................................................................ 45 Building Additions and Alterations – Other Residence.......................................................................................... 45

Building Materials Theft Coverage ........................................................................................................................... 45 Business Property – Increased Limits ...................................................................................................................... 46 Condominium – Coverage A – Dwelling.................................................................................................................. 46

Increased Limits.................................................................................................................................................... 46 Special Coverage ................................................................................................................................................. 46




GR-2

Credit Card, Electronic Fund Transfer Card or Access Device, Forgery and Counterfeit Money ............................. 46 Dwelling Replacement Cost Options ........................................................................................................................ 47

Actual Cash Value ................................................................................................................................................ 47 Dwelling Replacement Cost.................................................................................................................................. 47 Functional Replacement Cost............................................................................................................................... 47 Modified Functional Replacement Cost ................................................................................................................ 48

Earthquake Coverage .............................................................................................................................................. 48 Fire Department Service Charge.............................................................................................................................. 48 Identity Theft or Identify Fraud Expense................................................................................................................... 49 Inflation Guard Endorsement ................................................................................................................................... 49 Landlord’s Furnishings ............................................................................................................................................. 49 Loss Assessment Coverage..................................................................................................................................... 50

Residence Premises............................................................................................................................................. 50 Earthquake or Volcanic Eruption .......................................................................................................................... 50

Loss Settlement – Roof Coverage ........................................................................................................................... 50 Actual Cash Value Roof Coverage ....................................................................................................................... 50 Metal Roof Cosmetic Loss Caused by Hail........................................................................................................... 50

Mine Subsidence Insurance ..................................................................................................................................... 51 Modified Special Personal Property Coverage......................................................................................................... 51 Ordinance Or Law .................................................................................................................................................... 51 Other Structures....................................................................................................................................................... 52

Increased Limit, Residence Premises................................................................................................................... 52 Other Structures-Rented to Others, Residence Premises .................................................................................... 52

Permitted Incidental Occupancies, Residence Premises ......................................................................................... 52 Personal Computer Coverage.................................................................................................................................. 52 Personal Property..................................................................................................................................................... 53

Increased Coverage C – Personal Property ......................................................................................................... 53 Increased Limits – Other Residences ................................................................................................................... 53 Increased Special Limits of Liability ...................................................................................................................... 53 Personal Property Replacement Cost................................................................................................................... 54

Premier Endorsement .............................................................................................................................................. 55 Premier Extra Endorsement ..................................................................................................................................... 56 Protection Plus Endorsement................................................................................................................................... 56 Rental To Others – Theft Coverage ......................................................................................................................... 56 Scheduled Personal Property................................................................................................................................... 57

Personal Jewelry .................................................................................................................................................. 57 Scheduled Personal Property ............................................................................................................................... 57

Jewelry In Vault Endorsement........................................................................................................................... 57 Sports Equipment Floater ..................................................................................................................................... 57

Student Living Away From Home............................................................................................................................. 57 Unit-Owners Rental To Others ................................................................................................................................. 57

Section II – Coverages – Liability ............................................................................................................................. 61 Exposure .................................................................................................................................................................. 61 Additional Residence Rented to Others ................................................................................................................... 61 Business Pursuits..................................................................................................................................................... 62 Farmers Comprehensive Personal Liability.............................................................................................................. 62 Incidental Farming Personal Liability........................................................................................................................ 62 Permitted Incidental Occupancies............................................................................................................................ 63

Residence Premises............................................................................................................................................. 63 Other Premises..................................................................................................................................................... 63

Personal Injury ......................................................................................................................................................... 63 Exclusion of Personal Injury Coverage ................................................................................................................. 63 Personal Injury...................................................................................................................................................... 63

Secondary Residence Premises .............................................................................................................................. 64 Structures Rented to Others, Residence Premises.................................................................................................. 64 Student Living Away From Home............................................................................................................................. 64 Unit-Owners Rental To Others ................................................................................................................................. 64 Waterbed Liability..................................................................................................................................................... 64 Home Business Endorsement.................................................................................................................................. 65 Optional Business Coverages .................................................................................................................................. 67

Additional Insured ................................................................................................................................................. 67 Barbers and Beauticians Professional Liability ..................................................................................................... 67




GR-3

Bed and Breakfast Amendatory Endorsement...................................................................................................... 68 Bed and Breakfast Inn – Damage to Property of Others....................................................................................... 68 Credit Card Sales Slips......................................................................................................................................... 68 Electronic Data Processing & Word Processing ................................................................................................... 68 Employee Dishonesty ........................................................................................................................................... 68 Florists Equipment Floater .................................................................................................................................... 68 Florists Errors & Omissions Liability...................................................................................................................... 68 Home Enterprise Floater....................................................................................................................................... 69 Outside Signs ....................................................................................................................................................... 69 Refrigeration Failure ............................................................................................................................................. 69 Scheduled Property Floater .................................................................................................................................. 69




GR-9

Territory Definitions ZIP ZIP County Code Territory County Code Territory

1 Adams 45101 .......... 529 3 Ashland 44866 .......... 505 Adams 45105 .......... 529 Ashland 44874 .......... 560 Adams 45144 .......... 529 Ashland 44878 .......... 530 Adams 45616 .......... 539 Ashland 44880 .......... 549 Adams 45618 .......... 529 Ashland 44903 .......... 505 Adams 45650 .......... 539 Adams 45657 .......... 539 4 Ashtabula 44003 .......... 518 Adams 45660 .......... 539 Ashtabula 44004 .......... 568 Adams 45671 .......... 544 Ashtabula 44010 .......... 533 Adams 45679 .......... 529 Ashtabula 44030 .......... 533 Adams 45684 .......... 539 Ashtabula 44032 .......... 542 Adams 45693 .......... 548 Ashtabula 44041 .......... 533 Adams 45697 .......... 529 Ashtabula 44046 .......... 508 Ashtabula 44047 .......... 593

2 Allen 45801 .......... 585 Ashtabula 44048 .......... 533 Allen 45804 .......... 559 Ashtabula 44057 .......... 508 Allen 45805 .......... 559 Ashtabula 44062 .......... 508 Allen 45806 .......... 594 Ashtabula 44064 .......... 508 Allen 45807 .......... 559 Ashtabula 44068 .......... 568 Allen 45808 .......... 585 Ashtabula 44076 .......... 518 Allen 45809 .......... 559 Ashtabula 44082 .......... 542 Allen 45810 .......... 559 Ashtabula 44084 .......... 533 Allen 45817 .......... 559 Ashtabula 44085 .......... 533 Allen 45820 .......... 559 Ashtabula 44086 .......... 533 Allen 45830 .......... 585 Ashtabula 44088 .......... 533 Allen 45833 .......... 576 Ashtabula 44093 .......... 598 Allen 45844 .......... 559 Ashtabula 44099 .......... 542 Allen 45850 .......... 594 Ashtabula 44428 .......... 518 Allen 45854 .......... 585 Allen 45877 .......... 559 5 Athens 43728 .......... 656 Allen 45887 .......... 585 Athens 45701 .......... 656 Allen 45896 .......... 576 Athens 45710 .......... 656 Athens 45711 .......... 656

3 Ashland 44287 .......... 505 Athens 45716 .......... 656 Ashland 44638 .......... 505 Athens 45719 .......... 656 Ashland 44805 .......... 560 Athens 45723 .......... 656 Ashland 44837 .......... 530 Athens 45732 .......... 656 Ashland 44838 .......... 560 Athens 45735 .......... 656 Ashland 44840 .......... 505 Athens 45739 .......... 656 Ashland 44842 .......... 552 Athens 45740 .......... 656 Ashland 44843 .......... 530 Athens 45742 .......... 656 Ashland 44848 .......... 560 Athens 45761 .......... 656 Ashland 44851 .......... 505 Athens 45764 .......... 656 Ashland 44859 .......... 505 Athens 45766 .......... 656 Ashland 44864 .......... 530 Athens 45776 .......... 656




GR-10

ZIP ZIP County Code Territory County Code Territory

5 Athens 45777 .......... 656 7 Belmont 43943 .......... 648 Athens 45778 .......... 656 Belmont 43947 .......... 648 Athens 45780 .......... 656 Belmont 43950 .......... 648 Athens 45782 .......... 656 Belmont 43951 .......... 648

Belmont 43967 .......... 648 6 Auglaize 43331 .......... 565 Belmont 43971 .......... 648 Auglaize 45806 .......... 594 Belmont 43972 .......... 648 Auglaize 45819 .......... 528 Belmont 43973 .......... 648 Auglaize 45845 .......... 528 Belmont 43977 .......... 648 Auglaize 45850 .......... 594 Belmont 43983 .......... 521 Auglaize 45862 .......... 585 Belmont 43985 .......... 648 Auglaize 45865 .......... 528 Auglaize 45869 .......... 559 8 Brown 45101 .......... 529 Auglaize 45870 .......... 528 Brown 45106 .......... 647 Auglaize 45871 .......... 528 Brown 45107 .......... 647 Auglaize 45884 .......... 528 Brown 45115 .......... 647 Auglaize 45885 .......... 559 Brown 45118 .......... 647 Auglaize 45887 .......... 585 Brown 45119 .......... 647 Auglaize 45888 .......... 528 Brown 45120 .......... 647 Auglaize 45895 .......... 528 Brown 45121 .......... 647 Auglaize 45896 .......... 576 Brown 45130 .......... 647 Brown 45131 .......... 647

7 Belmont 43713 .......... 648 Brown 45133 .......... 647 Belmont 43716 .......... 648 Brown 45142 .......... 509 Belmont 43718 .......... 648 Brown 45144 .......... 529 Belmont 43719 .......... 648 Brown 45148 .......... 514 Belmont 43747 .......... 648 Brown 45154 .......... 647 Belmont 43759 .......... 648 Brown 45167 .......... 647 Belmont 43773 .......... 648 Brown 45168 .......... 647 Belmont 43901 .......... 648 Brown 45171 .......... 647 Belmont 43902 .......... 648 Brown 45176 .......... 647 Belmont 43905 .......... 648 Brown 45697 .......... 529 Belmont 43906 .......... 648 Belmont 43909 .......... 648 9 Butler 45003 .......... 567 Belmont 43912 .......... 648 Butler 45004 .......... 567 Belmont 43916 .......... 648 Butler 45011 .......... 541 Belmont 43917 .......... 516 Butler 45012 .......... 541 Belmont 43927 .......... 648 Butler 45013 .......... 567 Belmont 43928 .......... 648 Butler 45014 .......... 561 Belmont 43933 .......... 648 Butler 45015 .......... 507 Belmont 43934 .......... 648 Butler 45018 .......... 541 Belmont 43935 .......... 648 Butler 45030 .......... 637 Belmont 43937 .......... 648 Butler 45042 .......... 590 Belmont 43940 .......... 648 Butler 45044 .......... 541 Belmont 43942 .......... 648 Butler 45050 .......... 541




GR-11


9 Butler 45053 .......... 507 11 Champaign 43083 .......... 657 Butler 45055 .......... 541 Champaign 43084 .......... 657 Butler 45056 .......... 581 Champaign 43318 .......... 532 Butler 45061 .......... 567 Champaign 43343 .......... 657 Butler 45062 .......... 541 Champaign 43357 .......... 532 Butler 45063 .......... 567 Champaign 45312 .......... 657 Butler 45064 .......... 541 Champaign 45317 .......... 657 Butler 45067 .......... 532 Champaign 45344 .......... 657 Butler 45069 .......... 561 Champaign 45389 .......... 657 Butler 45071 .......... 561 Champaign 45502 .......... 657 Butler 45241 .......... 637 Butler 45246 .......... 637 12 Clark 43010 .......... 657 Butler 45327 .......... 571 Clark 43044 .......... 657

Clark 43078 .......... 657 10 Carroll 43903 .......... 522 Clark 43140 .......... 657 Carroll 43908 .......... 525 Clark 43153 .......... 657 Carroll 43945 .......... 650 Clark 45319 .......... 657 Carroll 43986 .......... 650 Clark 45323 .......... 657 Carroll 43988 .......... 650 Clark 45324 .......... 657 Carroll 44427 .......... 525 Clark 45341 .......... 657 Carroll 44607 .......... 525 Clark 45344 .......... 657 Carroll 44615 .......... 652 Clark 45349 .......... 657 Carroll 44620 .......... 652 Clark 45369 .......... 657 Carroll 44621 .......... 652 Clark 45372 .......... 657 Carroll 44625 .......... 525 Clark 45387 .......... 657 Carroll 44631 .......... 652 Clark 45502 .......... 657 Carroll 44639 .......... 650 Clark 45503 .......... 554 Carroll 44643 .......... 525 Clark 45504 .......... 657 Carroll 44644 .......... 522 Clark 45505 .......... 657 Carroll 44651 .......... 525 Clark 45506 .......... 657 Carroll 44656 .......... 522 Carroll 44657 .......... 525 Carroll 44675 .......... 652 13 Clermont 45102 .......... 506 Carroll 44688 .......... 525 Clermont 45103 .......... 506 Carroll 44695 .......... 650 Clermont 45106 .......... 647 Carroll 44730 .......... 525 Clermont 45107 .......... 647 Clermont 45111 .......... 636

11 Champaign 43009 .......... 657 Clermont 45112 .......... 647 Champaign 43044 .......... 657 Clermont 45118 .......... 647 Champaign 43047 .......... 657 Clermont 45120 .......... 647 Champaign 43060 .......... 657 Clermont 45121 .......... 647 Champaign 43070 .......... 532 Clermont 45122 .......... 521 Champaign 43072 .......... 554 Clermont 45130 .......... 647 Champaign 43078 .......... 657 Clermont 45140 .......... 506 Clermont 45145 .......... 647




GR-12


13 Clermont 45147 .......... 506 15 Columbiana 44445 .......... 652 Clermont 45150 .......... 506 Columbiana 44454 .......... 652 Clermont 45153 .......... 506 Columbiana 44455 .......... 525 Clermont 45156 .......... 506 Columbiana 44460 .......... 525 Clermont 45157 .......... 506 Columbiana 44490 .......... 652 Clermont 45158 .......... 521 Columbiana 44492 .......... 652 Clermont 45160 .......... 506 Columbiana 44493 .......... 525 Clermont 45162 .......... 506 Columbiana 44601 .......... 525 Clermont 45176 .......... 647 Columbiana 44609 .......... 652 Clermont 45244 .......... 641 Columbiana 44625 .......... 525 Clermont 45245 .......... 638 Columbiana 44634 .......... 525 Clermont 45255 .......... 636 Columbiana 44657 .......... 525

Columbiana 44665 .......... 652 14 Clinton 43160 .......... 540 Clinton 45068 .......... 566 16 Coshocton 43006 .......... 527 Clinton 45107 .......... 647 Coshocton 43749 .......... 502 Clinton 45113 .......... 531 Coshocton 43803 .......... 502 Clinton 45114 .......... 588 Coshocton 43804 .......... 502 Clinton 45135 .......... 540 Coshocton 43805 .......... 502 Clinton 45138 .......... 566 Coshocton 43811 .......... 512 Clinton 45142 .......... 509 Coshocton 43812 .......... 502 Clinton 45146 .......... 531 Coshocton 43821 .......... 600 Clinton 45148 .......... 514 Coshocton 43822 .......... 536 Clinton 45159 .......... 540 Coshocton 43824 .......... 502 Clinton 45164 .......... 588 Coshocton 43828 .......... 502 Clinton 45166 .......... 566 Coshocton 43832 .......... 502 Clinton 45169 .......... 566 Coshocton 43836 .......... 502 Clinton 45177 .......... 588 Coshocton 43840 .......... 502 Clinton 45335 .......... 596 Coshocton 43843 .......... 512 Clinton 45385 .......... 566 Coshocton 43844 .......... 502

Coshocton 43845 .......... 558 15 Columbiana 43920 .......... 525 Coshocton 44637 .......... 502 Columbiana 43930 .......... 652 Coshocton 44654 .......... 502 Columbiana 43945 .......... 650 Columbiana 43962 .......... 650 17 Crawford 43302 .......... 563 Columbiana 43968 .......... 652 Crawford 43314 .......... 535 Columbiana 44408 .......... 652 Crawford 44818 .......... 557 Columbiana 44413 .......... 652 Crawford 44820 .......... 526 Columbiana 44415 .......... 652 Crawford 44825 .......... 557 Columbiana 44423 .......... 525 Crawford 44827 .......... 526 Columbiana 44427 .......... 525 Crawford 44833 .......... 578 Columbiana 44431 .......... 652 Crawford 44849 .......... 557 Columbiana 44432 .......... 652 Crawford 44854 .......... 557 Columbiana 44441 .......... 652 Crawford 44856 .......... 526 Columbiana 44443 .......... 652 Crawford 44860 .......... 557




GR-13


17 Crawford 44865 .......... 584 18 Cuyahoga 44136 .......... 619 Crawford 44875 .......... 526 Cuyahoga 44137 .......... 623 Crawford 44881 .......... 526 Cuyahoga 44138 .......... 622 Crawford 44882 .......... 526 Cuyahoga 44139 .......... 623 Crawford 44887 .......... 557 Cuyahoga 44140 .......... 621 Cuyahoga 44141 .......... 623

18 Cuyahoga 44017 .......... 621 Cuyahoga 44142 .......... 625 Cuyahoga 44022 .......... 623 Cuyahoga 44143 .......... 633 Cuyahoga 44040 .......... 623 Cuyahoga 44144 .......... 622 Cuyahoga 44067 .......... 652 Cuyahoga 44146 .......... 632 Cuyahoga 44070 .......... 620 Cuyahoga 44147 .......... 622 Cuyahoga 44102 .......... 629 Cuyahoga 44149 .......... 622 Cuyahoga 44103 .......... 634 Cuyahoga 44199 .......... 626 Cuyahoga 44104 .......... 623 Cuyahoga 44105 .......... 627 Cuyahoga 44106 .......... 623 19 Darke 45303 .......... 574 Cuyahoga 44107 .......... 625 Darke 45304 .......... 567 Cuyahoga 44108 .......... 625 Darke 45308 .......... 567 Cuyahoga 44109 .......... 629 Darke 45328 .......... 567 Cuyahoga 44110 .......... 626 Darke 45331 .......... 567 Cuyahoga 44111 .......... 628 Darke 45332 .......... 574 Cuyahoga 44112 .......... 626 Darke 45337 .......... 567 Cuyahoga 44113 .......... 626 Darke 45346 .......... 574 Cuyahoga 44114 .......... 626 Darke 45347 .......... 567 Cuyahoga 44115 .......... 626 Darke 45348 .......... 660 Cuyahoga 44116 .......... 622 Darke 45350 .......... 660 Cuyahoga 44117 .......... 623 Darke 45351 .......... 660 Cuyahoga 44118 .......... 624 Darke 45352 .......... 567 Cuyahoga 44119 .......... 625 Darke 45358 .......... 567 Cuyahoga 44120 .......... 630 Darke 45362 .......... 567 Cuyahoga 44121 .......... 623 Darke 45380 .......... 567 Cuyahoga 44122 .......... 624 Darke 45382 .......... 567 Cuyahoga 44123 .......... 622 Darke 45388 .......... 660 Cuyahoga 44124 .......... 623 Darke 45390 .......... 574 Cuyahoga 44125 .......... 631 Darke 45846 .......... 572 Cuyahoga 44126 .......... 620 Darke 45860 .......... 660 Cuyahoga 44127 .......... 626 Darke 45883 .......... 660 Cuyahoga 44128 .......... 635 Cuyahoga 44129 .......... 622 20 Defiance 43506 .......... 662 Cuyahoga 44130 .......... 620 Defiance 43512 .......... 660 Cuyahoga 44131 .......... 624 Defiance 43517 .......... 660 Cuyahoga 44132 .......... 622 Defiance 43520 .......... 660 Cuyahoga 44133 .......... 618 Defiance 43526 .......... 660 Cuyahoga 44134 .......... 623 Defiance 43527 .......... 660 Cuyahoga 44135 .......... 629 Defiance 43530 .......... 660 Defiance 43536 .......... 662




GR-14


20 Defiance 43545 .......... 662 23 Fairfield 43046 .......... 661 Defiance 43548 .......... 662 Fairfield 43062 .......... 570 Defiance 43549 .......... 662 Fairfield 43068 .......... 661 Defiance 43556 .......... 660 Fairfield 43076 .......... 661 Defiance 45831 .......... 660 Fairfield 43102 .......... 570 Fairfield 43103 .......... 544

21 Delaware 43003 .......... 661 Fairfield 43105 .......... 570 Delaware 43011 .......... 516 Fairfield 43107 .......... 661 Delaware 43015 .......... 655 Fairfield 43112 .......... 661 Delaware 43016 .......... 605 Fairfield 43130 .......... 570 Delaware 43017 .......... 603 Fairfield 43136 .......... 570 Delaware 43021 .......... 519 Fairfield 43147 .......... 570 Delaware 43031 .......... 655 Fairfield 43148 .......... 661 Delaware 43032 .......... 655 Fairfield 43150 .......... 661 Delaware 43035 .......... 655 Fairfield 43154 .......... 570 Delaware 43040 .......... 661 Fairfield 43155 .......... 661 Delaware 43054 .......... 614 Fairfield 43157 .......... 570 Delaware 43061 .......... 596 Fairfield 43163 .......... 570 Delaware 43064 .......... 516 Delaware 43065 .......... 516 Delaware 43066 .......... 655 24 Fayette 43106 .......... 566 Delaware 43074 .......... 580 Fayette 43128 .......... 519 Delaware 43081 .......... 610 Fayette 43142 .......... 540 Delaware 43082 .......... 519 Fayette 43143 .......... 545 Delaware 43235 .......... 603 Fayette 43145 .......... 566 Delaware 43240 .......... 603 Fayette 43153 .......... 657 Delaware 43334 .......... 655 Fayette 43160 .......... 540 Delaware 43342 .......... 655 Fayette 45123 .......... 596 Delaware 43344 .......... 664 Fayette 45135 .......... 540 Delaware 43356 .......... 655 Fayette 45169 .......... 566 Fayette 45335 .......... 596

22 Erie 43438 .......... 651 Erie 43464 .......... 658 25 Franklin 43002 .......... 607 Erie 44089 .......... 653 Franklin 43004 .......... 610 Erie 44811 .......... 660 Franklin 43016 .......... 605 Erie 44814 .......... 651 Franklin 43017 .......... 603 Erie 44816 .......... 651 Franklin 43026 .......... 604 Erie 44824 .......... 653 Franklin 43054 .......... 614 Erie 44826 .......... 653 Franklin 43062 .......... 570 Erie 44839 .......... 651 Franklin 43064 .......... 516 Erie 44846 .......... 660 Franklin 43065 .......... 516 Erie 44847 .......... 654 Franklin 43068 .......... 661 Erie 44857 .......... 660 Franklin 43081 .......... 610 Erie 44870 .......... 586 Franklin 43085 .......... 610 Erie 44889 .......... 651 Franklin 43109 .......... 570

Franklin 43194 .......... 615




GR-15


25 Franklin 43119 .......... 608 26 Fulton 43540 .......... 662 Franklin 43123 .......... 605 Fulton 43553 .......... 665 Franklin 43125 .......... 616 Fulton 43557 .......... 662 Franklin 43126 .......... 545 Fulton 43558 .......... 662 Franklin 43137 .......... 615 Fulton 43567 .......... 665 Franklin 43140 .......... 657 Fulton 43570 .......... 662 Franklin 43146 .......... 545 Franklin 43147 .......... 570 27 Gallia 45614 .......... 538 Franklin 43201 .......... 612 Gallia 45620 .......... 538 Franklin 43202 .......... 611 Gallia 45623 .......... 538 Franklin 43203 .......... 611 Gallia 45631 .......... 538 Franklin 43204 .......... 605 Gallia 45643 .......... 538 Franklin 43205 .......... 612 Gallia 45656 .......... 543 Franklin 43206 .......... 607 Gallia 45658 .......... 543 Franklin 43207 .......... 617 Gallia 45674 .......... 538 Franklin 43209 .......... 610 Gallia 45678 .......... 538 Franklin 43210 .......... 611 Gallia 45685 .......... 538 Franklin 43211 .......... 613 Gallia 45686 .......... 543 Franklin 43212 .......... 603 Gallia 45688 .......... 538 Franklin 43213 .......... 603 Gallia 45760 .......... 538 Franklin 43214 .......... 603 Franklin 43215 .......... 610 28 Geauga 44021 .......... 533 Franklin 43217 .......... 611 Geauga 44022 .......... 623 Franklin 43219 .......... 612 Geauga 44023 .......... 533 Franklin 43220 .......... 603 Geauga 44024 .......... 523 Franklin 43221 .......... 605 Geauga 44026 .......... 523 Franklin 43222 .......... 605 Geauga 44033 .......... 523 Franklin 43223 .......... 605 Geauga 44046 .......... 508 Franklin 43224 .......... 607 Geauga 44057 .......... 508 Franklin 43226 .......... 602 Geauga 44060 .......... 533 Franklin 43227 .......... 611 Geauga 44062 .......... 508 Franklin 43228 .......... 606 Geauga 44064 .......... 508 Franklin 43229 .......... 602 Geauga 44065 .......... 562 Franklin 43230 .......... 609 Geauga 44072 .......... 508 Franklin 43231 .......... 611 Geauga 44080 .......... 533 Franklin 43232 .......... 603 Geauga 44086 .......... 533 Franklin 43234 .......... 603 Geauga 44099 .......... 542 Franklin 43235 .......... 603 Geauga 44202 .......... 508 Franklin 43236 .......... 612 Geauga 44231 .......... 562 Geauga 44234 .......... 599

26 Fulton 43502 .......... 662 Geauga 44491 .......... 518 Fulton 43515 .......... 658 Fulton 43521 .......... 662 Fulton 43532 .......... 662 Fulton 43533 .......... 658

Allied Prope