ok manual directory table of contents item nsfo page · 2019-03-27 · oklahoma new business...

Oklahoma New Business 05-01-19 North Star Mutual Ins. Co. Renewals 05-01-19

FARMOWNERS AND FARM FIRE

TABLE OF CONTENTS

ITEM NSFO PAGE

Actual Cash Value or Replacement Cost ........................................................................................... 7 Added Animal Perils - Sheep ............................................................................................................ 15 Additional Living Costs and Loss of Rent .......................................................................................... 15 Annual Policy Term ........................................................................................................................... 8 Back Up of Sewers, Drains and Sump Systems ............................................................................... 15 Billing Procedures ............................................................................................................................. 8 Borrowed, Rented or Leased Farm Machinery ................................................................................. 15 Cab Glass........................................................................................................................................... 16 Cancellation or Reduction in Limits or Coverages ............................................................................ 8 Change/Restriction of Individual Policies ......................................................................................... 8 Companion Policy Discount ............................................................................................................... 13 Construction Definitions ..................................................................................................................... 8 Coverages .......................................................................................................................................... 3 Deductibles - Property Coverage ...................................................................................................... 10 Definitions Applicable to Coverage G ................................................................................................ 9 Eligibility ............................................................................................................................................. 2 Enhancement Endorsement............................................................................................................... 16 Enhanced Farm Endorsements ......................................................................................................... 18 Expanded Replacement Cost Coverage – Coverage A .................................................................... 21 Extra Expense .................................................................................................................................... 16 Farm Barns and Outbuildings - Heat Surcharge ............................................................................... 11 Farm Dwelling Plus ............................................................................................................................ 3-5 Farm Equipment Cab Glass ............................................................................................................... 16 Farm Extra Expense .......................................................................................................................... 16 Farm Fire Policy Forms ...................................................................................................................... 7 Farm Fire Policy Program .................................................................................................................. 1 Farm Machinery, Equipment and Tools - Special Form .................................................................... 17 Farm Operations Records .................................................................................................................. 17 Farm Outbuildings - Broad Perils ....................................................................................................... 17 Farm Outbuildings - Special Form ..................................................................................................... 17 Farm Personal Property - Peak Season Inventories ......................................................................... 17 Farmowners Package Policy Program ............................................................................................. 1 Farmowners Policy Forms ................................................................................................................ 7 Fire Protection Discounts ................................................................................................................... 11 Hay In the Open (Includes Hay, Fodder, Straw And Other Animal Bedding) .................................... 18 Higher Limits on Certain Property Business Property ............................................................................................................................ 19 Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery, and Counterfeit Money 19 Electronic Devices ............................................................................................................................ 19 Fire Department Service Charge ..................................................................................................... 19 Guns and Gun Accessories ............................................................................................................. 19 Increased Cost – Ordinance or Law ................................................................................................ 19 Money .............................................................................................................................................. 19 Motorized Vehicles ........................................................................................................................... 19 Securities, Stamps, Letters of Credit ............................................................................................... 19 Silverware, Goldware and Pewterware ........................................................................................... 19 Unscheduled Jewelry, Watches and Furs ...................................................................................... 19 Identity Theft Protection ..................................................................................................................... 11-12 Inflation Guard ................................................................................................................................... 8 Inland Marine – Optional Coverages ................................................................................................. 24 Installed Equipment Breakdown Coverage ........................................................................................ 13 Liability Coverage ............................................................................................................................... 1,3-5,7 Limitation for Loss Caused by Hail to Metal Exterior Surfaces .......................................................... 1

OK MANUAL

DIRECTORY

Oklahoma New Business 05-01-19 North Star Mutual Ins. Co. Renewals 05-01-19

FARMOWNERS AND FARM FIRE

TABLE OF CONTENTS CONTINUED

ITEM NSFO PAGE

Livestock Confinement Coverage ..................................................................................................... 20 Location of Risk Modifiers .................................................................................................................. 10 Loss Due to By-Product From Production or Processing Products Exclusion .................................. 16 Loss of Income (Livestock Operations) ............................................................................................. 20 Mandatory Coverages - Farmowners ................................................................................................ 3 Metal Roof Discount - Dwelling .......................................................................................................... 15 Mobile Homes Only - Additional Coverages ...................................................................................... 20 Collision or Overturn Coverage ........................................................................................................ 20 Consent to Move Mobile Home ....................................................................................................... 20 Replacement Cost Mobile Homes ................................................................................................... 20 Secured Party’s Interests - Additional Coverage ............................................................................ 20 Modified Replacement Cost - Residence .......................................................................................... 21 New Home Discount (Coverage A) .................................................................................................... 12 Non-Depreciation of Repairs (Coverages E & F) ............................................................................... 22 Operations Records ........................................................................................................................... 17 Optional Inland Marine Coverages ................................................................................................... 24 Optional Property Coverages ............................................................................................................. 15-24 Outbuildings - Broad Perils ................................................................................................................ 17 Outbuildings - Special Form ............................................................................................................... 17 Peak Season Inventories ................................................................................................................... 17 Personal Property - Increased, Decreased or Added Limits .............................................................. 22 Personal Property - Special Form ...................................................................................................... 22 Policy Requirements - Minimum Limits .............................................................................................. 5 Premium Discounts for Protective Devices ........................................................................................ 13 Premium Modifications ....................................................................................................................... 10-14 Property Perils Covered ..................................................................................................................... 6

Rate Pages - Farm Base Premiums Dwellings - Farm Dwelling Plus - Base Rates .................................................................................. 25 Dwellings - Owner Occupied - Base Rates ...................................................................................... 26 Dwellings - Tenant Occupied - Base Rates ..................................................................................... 27 Farm Personal Property and Farm Buildings – Base Rates ............................................................ 31 Mobile Homes - Base Rates ............................................................................................................ 29 Optional Endorsements – All Territories .......................................................................................... 32-33 Tenants Contents (Dwelling) – All Territories .................................................................................. 28 Tenants Contents (Mobile Home) – All Territories ........................................................................... 30

Rating Territories and Location of Risk Modifiers .............................................................................. 10 Refrigerated Food Products .............................................................................................................. 22 Refrigerated Milk Products ................................................................................................................. 22 Replacement Cost - Farm Outbuildings ............................................................................................ 23 Replacement Cost - Irrigation Equipment .......................................................................................... 23 Replacement Cost - Personal Property ............................................................................................. 23 Roof Replacement Cost (Coverage A – Residence) ......................................................................... 22 Roof Surface Exclusion ...................................................................................................................... 14 Solar Panel(s) Coverage .................................................................................................................... 23 Special Form - Personal Property (Coverage C) .............................................................................. 22 Special Form - Farm Machinery, Equipment and Tools ................................................................... 17 Special Form - Farm Outbuildings .................................................................................................... 17 Theft Coverage - Residence Under Construction ............................................................................. 24 Underwriting Requirements ............................................................................................................... 3 Winter Perils - Livestock ..................................................................................................................... 24 Wood Shingle Surcharge (Dwelling) .................................................................................................. 13 Woodburning/Solid Fuel Surcharge .................................................................................................. 13

Oklahoma New Business 05-01-17

North Star Mutual Ins. Co. NSFO – 1 Renewals 05-01-17

This manual section is used to write Farmowners policies and Farm Fire policies. A few parts of this section do not apply to both Farmowners and Farm Fire. These parts indicate if they apply to Farmowners or Farm Fire. The Farmowners policy is primarily for owner-occupied farms and provides both property and liability coverages. The Farm Fire policy is primarily for non-owner occupied farms (although owner occupied farms may be written) and provides only property coverage.

FARMOWNERS PACKAGE POLICY PROGRAM The Farmowners Package Policy program has been designed to fill the property and liability coverage needs of both the Farmer and the Rancher. Farm “Package Policies” are not alike! The North Star Farmowners has several strong points summarized as follows:

1. The entire policy is on an “easy read” or simplified language policy basis. This makes everything much easier to read and to understand.

2. Personal property is automatically insured to 60% of the dwelling coverage (75% on Farm Dwelling Plus). Personal property usually at a residence other than the insured premises is limited to the greater of 10% of the Coverage C limit or $1,000.

3. Additional living cost is covered for actual loss sustained in 12 months with no dollar limit. 4. $500 Fire Department Service Charge coverage is included in base policy without additional charge. 5. Coverage for death of livestock (excluding sheep) by collapse of buildings, accidental shooting, drowning and

attack by dogs or wild animals is included without additional charge (when Basic Perils applies). 6. Provides Borrowed, Rented or Leased Farm Machinery and Equipment coverage up to $10,000 at no additional

charge for Basic Perils. 7. The “Damage to Property of Others” coverage in the Farm Liability is included up to $1,000 and includes

damage done by animals and damage to farm machinery in the insured’s care, all without additional premium charge. Limits higher than $1,000 may be purchased (up to $10,000 limit).

8. Liability coverage for outboard motors 50 HP or less is automatically included without additional charge. 9. Fire, smoke or explosion legal liability coverage is automatically provided for damage to farm dwellings or

outbuildings the insured uses or rents for up to the Farm Liability limits, without additional charge. 10. Farm Employee coverage for part time farm employees working 40 days or less per year is automatically

included at no additional charge. A charge must be made for each farm employee that works (a) over 40 days, but less than 180 days per year; or (b) 180 days per year or more.

11. Limited Farm Pollution and Clean Up Coverage is provided - $10,000 (aggregate limit) for a discharge, dispersal, seepage, migration, spill, release or escape of agricultural chemicals, liquids and gases that occurs quickly and abruptly and is accidental. Optional (aggregate) limits of $25,000 or $50,000 may be purchased.

12. $100,000 (aggregate limit) for property damage caused by accidental spray drift of agricultural chemicals applied on the insured premises is also provided.

FARM FIRE POLICY PROGRAM The Farm Fire Policy program has been designed to fill the property coverage needs of both the Farmer and the Rancher.

Only farm properties are eligible. This could include small acreages not eligible for Homeowners or Mobile Homeowners policies or farms that do not meet the eligibility requirements of the Farmowners. Vacant, unused farm properties are not eligible. The North Star Farm Fire policy has several strong points summarized as follows:

1. The entire policy is on an "easy read" or simplified language policy basis. This makes everything much easier to read and to understand.

2. $500 Fire Department Service Charge coverage is included in base policy without additional charge. 3. Coverage for death of livestock (excluding sheep) by collapse of buildings, accidental shooting, drowning and

attack by dogs or wild animals is included without additional charge (When Basic Perils applies). 4. Provides Borrowed, Rented or Leased Farm Machinery and Equipment coverage up to $10,000 at no additional

charge for Basic Perils.

The rates in this manual section include the Farmowners Package discount. Add 15% to the rates for a Farm Fire Policy which is not eligible for the package discount.

LIMITATION FOR LOSS CAUSED BY HAIL TO METAL EXTERIOR SURFACES Many times the damage caused by hail is not severe enough to prevent the exterior metal surface of a residence, farm barn, building, or structure from performing its intended function of keeping out the elements over an extended period of time and only alters its appearance. This type of loss is excluded from coverage. However, when hail severely damages these metal exterior surfaces to the extent the damage allows water to penetrate through the metal surface, coverage will apply toward its repair or replacement according to the type of coverage purchased (ACV or Replacement Cost).



ELIGIBILITY

1. Eligibility - Farmowners: a. Owner-Occupant b. Tenant farm or ranch operator 2. Prohibited Risks: a. Farms where principal income is from custom farming or where custom work is in other than local area. b. Farms or ranches where horses are raised or trained for show purposes or for racing.

c. Farms where principal purposes are supplying of commodities for manufacturing or processing by the insured for sale to others.

d. Vacant or unused farm buildings. e. Poultry or poultry farms. (Confinement Type) f. Buildings with exposed urethane or styrene insulation. 3. Mobile homes will be insured on an actual cash value basis. Mobile homes may be written on a replacement

cost basis - see the paragraph titled Mobile Homes Only - Additional Coverages, for requirements. Mobile homes must be permanently located with hookups to water, sewage disposal and electricity. When the mobile home is the primary residence of named insured, it must be in excellent condition, not over 25 years old, insured for at least $10,000 and written with sufficient supporting business. We will accept mobile homes with factory installed woodburning fireplaces.

4. Following is a list of Farm risks not to be bound and generally will not be written: a. Property which is generally below average physical condition. b. Risks cancelled or nonrenewed by other carriers. c. Risks which have sustained 2 OR MORE losses during the past 3 year period. Must be referred to One

General Agency underwriting. d. Homes which do not meet the following update requirements: 1) Electrical - 100 amp. 2) Plumbing - updated in last 40 years. 3) Heating - replaced in the last 30 years. 4) Roof - reshingled in the last 15 years. e. Homes with roofs or siding of asbestos or slate. f. Risks where the insureds have a history of financial instability within the last 5 years. g. Risks with wild animals or pets that show aggressive or vicious tendencies. h. Risks with Dobermans, Rottweilers, Presa Canarios (also known as Canary Island Cattledog), Pit Bulls

(including but not limited to, American Pit Bull Terriers, American Staffordshire Terriers, or Staffordshire Bull Terriers), Chows or dogs with aggressive tendencies should not be submitted.

i. Wall furnaces that are unvented. (They create problems due to fumes they generate.) j. Unusual risks including basement homes, log homes, earth homes, dome homes, and homes with flat roofs. 5. Following is a list of WOODBURNING/SOLID FUEL EQUIPMENT RULES: a. Homemade woodburning and solid fuel units and barrel stoves are not acceptable.

b. Woodburning or solid fuel equipment that shares a common flue with other heating appliances is not acceptable. All woodburning equipment or solid fuel must have its own separate flue, including add-on furnaces.

c. Woodburning or solid fuel equipment that has not been professionally installed will be unacceptable. Exceptions to this will require a photo of the equipment and full details must be given to our underwriters if special consideration is to be given.

d. Woodburning or solid fuel units with heat reclaiming devices connected to the stovepipe are not acceptable. e. Woodburning or solid fuel units in attached garages are not acceptable. f. Whenever a Farm application is submitted for property having woodburning or solid fuel equipment, our

Solid Fuel Questionnaire, CF-624, must be completed and attached to the application. g. All stoves and chimneys must be UL approved. h. Mobile homes with factory installed woodburning fireplaces are acceptable. Mobile homes with any other

type of woodburning or solid fuel are not eligible for coverage. 6. Maximum limits available for dwellings are $750,000 if Protected, $500,000 if Partially Protected, and

$400,000 if Unprotected.



UNDERWRITING REQUIREMENTS

1. A completed Farm application must be submitted including insured's social security number. Credit Bureau Reports often are a factor in determining acceptability of a risk.

2. A recent photograph is required for each building covered. 3. Hay, fodder, straw and other animal bedding in stacks, windrows or bales while in the open are covered for loss

caused by only the perils of fire or lightning and are limited to $15,000 per stack. A stack means hay, fodder, straw or other animal bedding in one area separated by a clear space of 100 feet or more from any other hay, fodder, straw or other animal bedding in the open. The per stack limit may be increased to $20,000 for an additional premium.

4. Refer to the Property Coverage form (FP-1) for other Coverage E. Scheduled Farm Personal Property that may have special limits, special limitations, limited perils, property not covered and/or other limitations.

5. When writing unscheduled farm personal property, coverage must be written at 100% of inventory value. The 80% coinsurance clause of the policy will apply. A $50,000 minimum inventory is required to be written in this class. All items of farm machinery and miscellaneous equipment/tools valued at $2,500 or more must be listed on the unscheduled farm personal property inventory. In addition to the items listed, we also require a minimum of: a. 10% of the farm machinery and equipment inventory to cover tools, spare parts and miscellaneous

equipment valued under $2,500; and b. 1% of the livestock inventory to cover veterinary supplies and other animal care items.

Refer to the Property Coverage form (FP-1) for other Coverage F Unscheduled Farm Personal Property that may have special limits, special limitations, limited perils, property not covered and/or other limitations.

6. All irrigation systems must be scheduled under Coverage E. Information required when writing a center pivot irrigation system must include the age, manufacturer, total span and legal description of its location.

COVERAGES

Coverage A - Residence Coverage C - Personal Property Coverage D - Additional Living Expense and Loss of Rent Coverage Coverage E - Scheduled Farm Personal Property Coverage F - Unscheduled Farm Personal Property Coverage G - Farm Barns, Buildings, and Structures

MANDATORY COVERAGES - FARMOWNERS

Property Coverages Liability

Coverage A - Residence Farm Personal Liability Coverage C - Personal Property Coverage D - Additional Living Costs

A base premium charge for Property and a base premium charge for Liability must be made. For Liability forms, rules, rates, and underwriting criteria refer to the Farm/Personal Liability section of this Agents Manual.

FARM DWELLING PLUS - CF-1876

COVERAGES

The Farm Dwelling Plus Endorsement (CF-1876) will be used together with the Property Coverage (FP-1), Personal Liability Coverage (Farm) (NS-710), and Personal Injury (FL-46).

The additional coverages described below will be provided.

1. Covers the residence, personal property and additional living costs against risks of direct physical loss unless the loss is excluded.

2. Provides expanded replacement cost coverage (does not apply to roof surfacing) to the dwelling not to exceed 125 percent of the Coverage A limit.

3. Replacement Value on personal property is an automatic coverage, subject to the limit shown on the Declarations for Coverage C (75% of Cov. A included).

http://northstarmutual.com/UserFiles/File/forms/policyforms/Current/CF-1876%2007-15.pdf



FARM DWELLING PLUS - CF-1876 (Continued)

4. Refrigerated Food Products coverage is automatically included. This provides coverage, without special limit, for refrigerated foods lost due to interruption of electrical service or by mechanical or electrical breakdown of the refrigeration system. No deductible applies.

5. Locks and Garage Door Transmitter Replacement is automatically included. This provides coverage for the cost to replace locks on exterior doors of the insured dwelling and replace the garage door opener transmitter when the keys to those locks or the transmitter are lost or part of the covered theft loss. No deductible applies.

6. Personal Injury coverage is automatically included up to the Personal Liability limit. ELIGIBILITY AND UNDERWRITING REQUIREMENTS

1. A completed application must be submitted along with a recent photo and social security number. 2. Only 1 family owner-occupied dwellings used only for private residential purposes and with no more than 2

borders or roomers are eligible. 3. A policy may be issued to cover a dwelling in the course of construction provided the policy is issued only in

the name of the intended owner-occupant of the dwelling and will be completed within approximately 6 months. Coverage must be written at 100% of expected completed value.

4. The Minimum limit available shall be $200,000. 5. Maximum limits available are $750,000 if Protected, $500,000 if Partially Protected and $400,000 if

Unprotected. 6. The dwelling must be insured for 100% of current replacement cost. Contents will also be on a replacement

cost basis and cannot be written for less than 75% of Coverage A – Residence. Roof surfacing is on an actual cash value basis. Replacement cost coverage can be purchased for roof surfacing, if the roof is not wood and is 5 years old or less.

7. An addition to or remodeling of the dwelling which increases its value by $5,000 or more must be reported within 90 days of the start of the project.

8. A smoke detector should be placed on each floor. For dwellings with 3 levels, a minimum requirement is that smoke detectors be placed on at least 2 levels.

9. The Farm Dwelling Plus Program has been designed for dwellings 30 years old or less. Dwellings which meet all 4 of the following requirements shall also be considered eligible:

a. Electrical Service must have been upgraded within the last 30 years, including new wiring, new receptacles, new circuit boxes and conduit in exposed areas. Such upgrading shall have been approved by a state electrical inspector.

b. Plumbing must have been upgraded within the last 30 years, including new pipes. c. Heating System (furnace) must have been replaced within the last 30 years. d. Roof shingles must have been replaced within the last 15 years.

Dwellings over this age will be considered if they meet all four of the above requirements and a Preferred Dwelling Supplemental Application, CF-580, is completed.

Once written on this policy, renewals under this plan will be considered for dwellings exceeding the above requirements age limits subject to property maintenance, updating and good loss experience.

10. Dwellings are not acceptable if they have older wood roofs, clay tile roofs or if they have asbestos slate roofs or siding.

11. Dwellings with masonry fireplaces that have a masonry/brick chimney and clay liner will be acceptable. Dwellings with UL approved fireplaces and UL approved metal chimneys are acceptable if they have been installed after January 1, 1986. Dwellings with any other type of woodburning equipment are not acceptable.

12. Following is a list of Farm Dwelling Plus risks not to be bound and generally will not be written: a. Property that is in generally below average physical condition. This program is designed for risks of a better

class in all respects. This will require careful original risk selection and continuous monitoring by the agent.




FARM DWELLING PLUS - CF-1876 (Continued)

b. Risks cancelled or nonrenewed by other carriers. c. Risks which have sustained 2 OR MORE losses during the past 3 year period. d. Dwelling risks which were not originally designed for dwelling purposes. (e.g., a mercantile building

converted to a dwelling. e. Trailer homes, Mobile Homes, Double wide Mobile Homes, Converted Mobile Homes or House Trailers

whether permanently located with attached leans or not. These are specifically excluded for Farm Dwelling Plus coverage.

f. Dwellings without a central heating system (other than all-electric homes). g. Unusual risks including basement homes, log homes, earth homes, dome homes, and homes with flat roofs. h. Risks where insureds have a history of financial instability within the last 5 years. i. Risks with wild animals or pets that show aggressive or vicious tendencies. j. Risks with Dobermans, Rottweilers, Pit Bulls (including, but not limited to, American Pit Bull Terriers,

American Staffordshire Terriers, or Staffordshire Bull Terriers), Chows or dogs with aggressive tendencies should not be submitted.

k. Do not submit risks with trampolines or swimming pools, unless prior approval has been received from a North Star underwriter.

POLICY REQUIREMENTS - MINIMUM LIMITS

The minimum limits for a Farm Policy are as follows:

Property Coverages Basic Perils Broad Perils Special Form Farm Dwelling Plus Tenant's Policy

Residence (Dwelling) $25,000 $40,000 $50,000 $200,000 N/A

Residence (Mobile Home) $10,000 $12,000 $15,000 N/A N/A

Personal Property 60% of limit 60% of limit 60% of limit 75% of limit N/A (Owner Occ. Residence) on residence on residence on residence on residence

Personal Property $0 $0 $0 N/A $8,000 (Tenant Occ. Residence)

Additional Living Costs Actual Loss Sustained in 12 Months for All Forms (Owner Occ. Residence and Tenant's Policy)

Additional Living Costs $0 $0 $0 N/A N/A (Tenant Occ. Residence)

Farm Personal Property Open - When writing unscheduled we require coverage be written at 100% of inventory value - total inventory is subject to a minimum of $50,000.

Farm Barns, Buildings & Structures Open

Secondary Locations-Coverage A Minimum Limits 1 or 2 family dwellings: $25,000 Mobile Home: $10,000 Liability Coverages - Refer to the Farm/Personal Liability section of the Agents Manual

Farm Personal Liability (Farmowners only)

Personal Liability $50,000 each occurrence Medical Payments to Others $ 1,000 each person Damage to Property of Others $ 1,000 each occurrence Commercial Liability Coverages (Farm Premises and Operations) (Farm Fire only)

Bodily Injury and Property Damage $50,000 each occurrence




PROPERTY PERILS COVERED

The Property Coverage form describes 4 levels of coverage - Limited, Basic, Broad and Special. The level of coverage that applies to each item listed on our declarations will be shown opposite the item.

Limited Perils

Fire or Lightning Vehicles Windstorm or Hail Sudden and Accidental Damage from Smoke Explosion Sinkhole Collapse Riot or Civil Commotion Volcanic Eruption Aircraft

Basic Perils

All perils listed for Limited Perils, plus: Vandalism or Malicious Mischief Electrocution of Livestock Collision Additional Perils Applying to Livestock Theft (accidental shooting, drowning, attack by dogs or wild animals, collapse of a building)

Broad Perils

All perils listed for Basic Perils, plus: Falling Objects Accidental Discharge or Overflow of Liquids Weight of Ice, Snow or Sleet or Steam Sudden and Accidental Tearing Apart, Cracking, Freezing of a Plumbing, Heating or Air Conditioning Burning or Bulging of a Heat or Air System or Domestic Appliance Conditioning System or Water Heater Sudden and Accidental Damage From Artificially Generated Electrical Currents

Special Form - Covers the risk of direct physical loss unless the loss is limited or excluded.

Glass or Safety Glazing Material is an Incidental Property Coverage and only applies to dwellings insured for Basic, Broad, or Special.

Collapse of a Residence is an Incidental Property Coverage and only applies to dwellings insured for Broad or Special.

These lists contain the title of the perils. Refer to the Property Coverage form for the complete wording of these perils.



ACTUAL CASH VALUE OR REPLACEMENT COST

Dwellings written with the Farm Dwelling Plus Endorsement, and their Household Personal Property, are automatically written with replacement cost coverage. The dwelling must be written at 100% of its full replacement cost.

Other Dwellings can be written on an actual cash value basis or a replacement cost basis. To be on a replacement cost basis the dwelling must be written from 90% to 100% of the full replacement cost of the dwelling. The only exception to this is where the amount of insurance, meaning market value, is less than 90% of the replacement cost of the dwelling, by using endorsement FP-256 - see the paragraph titled Modified Replacement Cost - Residence. To be on an actual cash value basis the dwelling must be written for 100% of its actual cash value. Roof surfacing is on an actual cash value basis. Replacement cost coverage can be purchased for roof surfacing, if the roof is not wood and is 5 years old or less - see the paragraph titled Roof Replacement Cost.

Other Household Personal Property is written on an actual cash value basis. Household Personal Property can be written on a replacement cost basis if written from 90% to 100% of the full replacement cost of the personal property - see the paragraph titled Replacement Cost - Personal Property.

Mobile Homes are written on an actual cash value basis. Mobile Homes under 10 years old can be written on a replacement cost basis if written from 90% to 100% of the full replacement cost of the mobile home - see the paragraph titled Additional Coverages - Mobile Homes Only.

Farm Personal Property is only written on an actual cash value basis.

Farm Barns, Buildings and Structures are written on an actual cash value basis. Outbuildings can be written on a replacement cost basis if written from 80% to 100% of the full replacement cost of the building - see the paragraph titled Replacement Cost - Farm Outbuildings.

FARMOWNERS POLICY FORMS

A Farmowners package policy (property and liability coverage) consists of the following modular sections:

Coverage Part Form Number Farm Dwelling Plus (purchasable option) ................................................................... FP-1, CF-1876, FL-46 Dwelling Property Coverage ....................................................................................... FP-1 Farm Property Coverage ............................................................................................ FP-1 Personal Liability Coverage (Farm) ............................................................................ NS-710 State Amendatory Endorsement ................................................................................ FP-119 Declarations and Schedules Policy Jacket

Other forms and/or endorsements may be attached depending on optional coverages purchased.

FARM FIRE POLICY FORMS

A Farm Fire policy (property coverage) consists of the following modular sections:

Coverage Part Form Number Dwelling Property Coverage ....................................................................................... FP-1 Farm Property Coverage ............................................................................................ FP-1 State Amendatory Endorsement ................................................................................ FP-119 Declarations and Schedules Policy Jacket

Other forms and/or endorsements may be attached depending on optional coverages purchased.



INFLATION GUARD

The Inflation Guard Provision is mandatory in the North Star Mutual Farm Program for Coverage A and Coverage C when a dwelling/mobile home is written on a replacement cost basis. These 2 coverages will automatically be updated annually based on changing dwelling and mobile home construction cost factors. The residence must be insured to at least 90% (100% for Farm Dwelling Plus) of its full Replacement Cost and the Application must be completed and photograph of residence attached.

The Inflation Guard Provision is mandatory in the North Star Mutual Farm Program for farm buildings when they are written on a replacement cost basis. The building coverage limit will automatically be updated annually based on changing building construction cost factors. The building must be insured to at least 80% of its full Replacement Cost and the Application must be completed and photograph of building attached.

Inflation guard does not apply unless a building is written with replacement cost coverage.

CHANGE/RESTRICTION OF INDIVIDUAL POLICIES

If a policy must be changed or restricted to be eligible for issuance, a restriction of the policy will be made on the declarations page.

ANNUAL POLICY TERM

The policy will be written for a term of 1 year. The policy will be automatically renewed each year with an updated declarations page. A completed renewal application along with new photos and a listing of the unscheduled farm personal property inventory is required at the end of 5 years. 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 forms. Upon renewal they will receive 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.

BILLING PROCEDURES

See the Billing Information section of the Agents Manual.

CANCELLATION OR REDUCTION IN LIMITS OR COVERAGES

It is not permissible to cancel any of the mandatory coverages unless the entire policy is cancelled. If the policy or non-mandatory coverages are cancelled or the amount of insurance is reduced, compute the amount of any return premium on a pro rata basis.

CONSTRUCTION DEFINITIONS

Frame A dwelling with walls of frame, or metal-sheathed or stuccoed frame construction, or with walls of metal or metal lath and plaster on combustible supports.

Masonry A dwelling with walls of masonry or masonry veneered construction.

Mixed A dwelling shall be classed as frame construction when the wall area of frame construction Construction (including gables) exceeds 33-1/3% of the total wall area.



DEFINITIONS APPLICABLE TO COVERAGE G

Metal Buildings - A base building charge applies to this class plus a rate per $100 of coverage - see rate pages.

Conventional metal pole buildings fall into this category. Both the walls and roof must be metal and of original construction. The framework may be either wood or steel. (An older frame outbuilding covered with metal is not original construction and belongs in the Barns, Outbuildings and Other Structures class).

Steel Bins

This class can be used to insure Grain Storage Bins as well as the grain elevator legs and auger complexes between bins. We encourage you to specify the leg and the auger complex, so that there is no question in the event of loss. This class does not include Grain Drying Bins (Grain Drying Bins is a separate rate class.).

Hoop Buildings - A base building charge applies to this class plus a rate per $100 of coverage - see rate pages.

Hoop buildings can only be insured for Basic Perils.

Barns, Outbuildings and Other Structures (excluding silos)

Type 1 - A base building charge applies to this class plus a rate per $100 of coverage - see rate pages.

a. Building must be in good physical condition, and so certified by the agent after careful inspection. b. Buildings must be written at 80% of their actual cash value. c. Not over 1 story high. d. Foundation under all exterior walls must be continuous and of mortared masonry or concrete construction.

Buildings framed on poles of minimum 6 inch diameter at ground line, set a minimum of 4 feet below ground level may be considered as satisfying this requirement when the poles have been pressure treated with wood preservative.

e. Building must be fully enclosed with no open sheds attached. f. No hay fodder, straw or other animal bedding storage. g. No exposed urethane or styrene insulation. h. Building must be fully utilized in the farming operation. i. Type 1 buildings written for less than $2,000 shall be classified as Type 3.


a. Building must be in good physical condition, and so certified by the agent after careful inspection. b. Buildings must be written at 80% of their actual cash value. c. Foundation under all exterior walls must be continuous and of mortared masonry or concrete construction.

Buildings framed on poles of minimum 6 inch diameter at ground line, set a minimum of 4 feet below ground level may be considered as satisfying this requirement when the poles have been pressure treated with wood preservative.

d. No exposed urethane or styrene insulation. e. Building must be fully utilized in the farming operation. f. Type 2 building written for less than $2,000 shall be classified as Type 3.

Type 3

a. Portable Buildings and Structures. b. Buildings or bins occupied or constructed for grain grinding, seed grain drying, alfalfa or hay chopping,

private greenhouses. c. All other buildings not eligible for Type 1 or Type 2 classification.

Silos:


All steel construction with integral roof, foundation and walls with unloading from the bottom. Type 1 silos written for less than $5,000 shall be classified as Type 2.


Silos not qualifying for Type 1.



RATING TERRITORIES AND LOCATION OF RISK MODIFIERS (LORM)

(Dwellings, Mobile Homes, Scheduled and Unscheduled Farm Personal Property and Farm Barns, Buildings, and Structures only)

TERR DESCRIPTION LORM

TERR. 1 Counties of Alfalfa, Blaine, Caddo, Craig, Custer, Dewey, Ellis, Garfield, Garvin, Grady, Grant, Kingfisher, Logan, Major, Mayes, McClain, Murray, Nowata, Roger Mills, Rogers, Wagoner, Washita, Woods, Woodward

1.00

TERR. 2 Counties of Beaver, Cimarron, Harper, Texas 1.01

TERR. 3 Counties of Canadian, Cleveland, Oklahoma 1.12

TERR. 4 Counties of Kay, Noble, Osage, Pawnee, Payne, Washington 0.89

TERR. 5 Counties of Atoka, Beckham, Bryan, Carter, Comanche, Cotton, Greer, Harmon, Jackson, Jefferson, Johnston, Kiowa, Love, Marshall, Stephens, Tillman

1.07

TERR. 6 County of Tulsa 1.00

TERR. 7 Counties of Choctaw, Haskell, Latimer, Le Flore, Mc Curtain, Pushmataha 1.33

TERR. 8 Counties of Adair, Cherokee, Delaware, Ottawa, Sequoyah 1.14

TERR. 9 Counties of Coal, Creek, Hughes, Lincoln, McIntosh, Muskogee, Okfuskee, Okmulgee, Pittsburg, Pontotoc, Pottawatomie, Seminole

1.01

PREMIUM MODIFICATIONS

DEDUCTIBLES - PROPERTY COVERAGE

A flat $1,000 deductible applies (unless an optional deductible is written) to all property losses in all property forms except:

1. the Incidental Property Coverages provided for Emergency Removal, Fire Department Service Charge, Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery, and Counterfeit Money;

2. an optional property coverage that states a specific deductible is applicable; 3. an optional property coverage that states a deductible does not apply; or 4. an Inland Marine form. Inland Marine forms have their own deductible. See the Inland Marine Manual Section.

The deductible amount is subtracted only once per occurrence regardless of the number of covered items affected.

The policy may be issued with a single deductible amount that applies to all perils and all coverages that are subject to the deductible provision. Multiply the premiums by the appropriate factor in the Optional Deductible chart below.

Split Deductible Option

The policy may be issued with a split deductible. This means the deductible option selected for property covered under Coverages A, C and D differs from that selected for property covered under Coverages E, F, and G. When an occurrence affects 2 or more items with different deductible amounts, only the highest deductible applies. Multiply the premiums by the appropriate factor in the Optional Deductible chart below.

Common Loss Deductible

In the event that a covered loss occurs as a result of one occurrence to property covered under more than one policy insured with North Star Mutual, only the highest applicable deductible will apply, regardless of the number of covered property items damaged or destroyed. This provision will not apply: 1. to property rented to others for a fee when that property is insured on a separate policy than the insured’s

owner-occupied property, 2. if the total loss is less than the highest deductible, or 3. if it is in the insured’s benefit that separate deductibles be applied.

Attach Endorsement CF-2162

http://northstarmutual.com/UserFiles/Documents/forms/policyforms/Current/CF-2162%2004-17.pdf



PREMIUM MODIFICATIONS (Continued) OPTIONAL DEDUCTIBLES - ALL PERILS - (Base Deductible is $1,000)

Deductible Factor 100 1.50 250 1.30 500 1.15 1,000 1.00 (Base) 1,500 0.98 2,000 0.96 2,500 0.94 5,000 0.85 10,000 0.76 25,000 0.65

FARM BARNS AND OUTBUILDINGS - HEAT SURCHARGE

Charges apply to building.

1. Gas or Electric: For gas or electric brooders and heating stoves or gas or portable electric heating devices of any description (other than electric lights or heat bulbs).

2. Wood, coal or oil burning brooders or heating stoves.

Charges for the above are not cumulative. If more than 1 charge is applicable the higher charge will be used.

NOTE: No charge if heated by permanently installed warm air furnace, hot water or steam heating plant set on an incombustible base and venting to standard chimney built from the ground and with no other type of heating device in the building.

Charge per $100 insurance.

Electric or Gas $.09 Other .18

FIRE PROTECTION DISCOUNTS (Dwelling/Mobile Home Premium)

The Base Premiums are for unprotected areas. Risks located in areas designated as Partially Protected or Protected, as defined below, are eligible for the premium discount shown.

Fire Protection Definitions:

Protected Dwelling/Mobile Home is located within 1,000 feet of a fire hydrant and within 5 road miles of a responding fire department. Reduce Base Policy Premium (dwelling/mobile home premium) 15%.

Partially Dwelling/Mobile Home is located over 1,000 feet from a fire hydrant, but is within 5 road miles of Protected a responding fire department. Reduce Base Policy Premium (dwelling/mobile home premium) 5%.

Unprotected All others.

IDENTITY THEFT PROTECTION

Farmowners Policies only - This protection consists of:

1. Identity Theft Recovery Service

An advocacy service is provided through our partnership with CyberScout. This fully case-managed expert service takes care of victims’ problems by leading them through the restoration process, including notifying the appropriate authorities, dealing with governmental agencies, credit collection agencies, credit bureaus, and credit grantors until the crisis is resolved. They even follow-up months later to ensure success.

2. Disaster Document Recovery

CyberScout also assists disaster victims rebuild their original means of identification, as well as recreate other crucial personal and financial documents or help them with emergency authentication if they are impacted by disasters, such as hurricanes, tornados, earthquakes, including acts of terrorism, as well as home fires and floods - regardless of whether an identity theft occurred. Should an identity theft occur as a consequence of such a disaster, their advocate is there to protect and rebuild their identity.



PREMIUM MODIFICATIONS (Continued)

IDENTITY THEFT PROTECTION (Continued)

3. Identity Fraud Expense Coverage

Coverage of $5,000 is provided, at no additional cost, for expenses incurred by an insured as the direct result of identity fraud. Identity fraud occurs when an individual’s personal identifying information is used without his or her permission to purchase goods or services, obtain credit, borrow money, or otherwise violate federal, state, or local law. A $100 deductible applies to Identity Fraud Expense coverage.

Coverage is provided for expenses resulting from identity fraud that occurs at any time prior to the end of the policy period and is discovered by the insured during the policy period or during the one-year period that follows. In the event that the insured obtains replacement identity fraud expense coverage, the one-year extended discovery period terminates as of the date the replacement coverage takes effect.

Covered expenses include:

• Costs for obtaining, reproducing, notarizing, or sending affidavits or other pertinent documents; • Costs for telephone calls; • Research fees; • Lost earnings, not to exceed a maximum of $250 per day, per insured, or a total of $5,000 for lost

earnings of all insureds; • Loan application fees for reapplying for a loan; and • Attorney fees to defend lawsuits, remove criminal or civil judgments, or challenge information provided

in a consumer credit report.

Optional higher limits of Identity Fraud Expense Coverage may be purchased If a higher limit is purchased, the total limit that applies to Identity Fraud Expense Coverage will be shown on the Declarations:

Amount of Increase Total Limit Additional Premium

$ 5,000 $10,000 $ 5.00 10,000 15,000 10.00 15,000 20,000 15.00 20,000 25,000 20.00

NEW HOME DISCOUNT (COVERAGE A)

A new dwelling or mobile home may be eligible for a premium discount as shown in the table below.

For the purpose of this rule, a dwelling is considered new if it has been completed and occupied within the last 14 calendar years and a mobile home is considered new if it has been completed and the "model year" is within the last 10 calendar years.

The discount shall apply only to the base dwelling or mobile home premium (must adjust for the following if applicable: revised limits of Coverage C and a selection of a deductible). It shall not apply to optional coverages or higher limits on certain property. Premium Discount Table Dwelling Mobile Home Year of Construction or Model Year Discount Discount

Current Calendar Year 28% 20% 1 Year Preceding Current Calendar Year 26% 18% 2 Years Preceding Current Calendar Year 24% 16% 3 Years Preceding Current Calendar Year 22% 14% 4 Years Preceding Current Calendar Year 20% 12% 5 Years Preceding Current Calendar Year 18% 10% 6 Years Preceding Current Calendar Year 16% 8% 7 Years Preceding Current Calendar Year 14% 6% 8 Years Preceding Current Calendar Year 12% 4% 9 Years Preceding Current Calendar Year 10% 2% 10 Years Preceding Current Calendar Year 8% 0% 11 Years Preceding Current Calendar Year 6% 0% 12 Years Preceding Current Calendar Year 4% 0% 13 Years Preceding Current Calendar Year 2% 0%




COMPANION POLICY DISCOUNT Farmowners policies are eligible for a 10% discount if the insured's Personal Auto Insurance is written through North Star. This discount will apply to the entire premium (property, liability, & inland marine, if applicable).

WOOD SHINGLE SURCHARGE (DWELLING) All dwellings with risks that have wood shingles will be surcharged 20%. This surcharge would apply to the Base Premium.

PREMIUM DISCOUNTS FOR PROTECTIVE DEVICES - ML-216 The following premium discounts will be allowed for the installation of a burglar alarm, fire alarm or automatic sprinkler system in the dwelling. Systems must be UL approved and maintained in good working condition.

1. Central Station Burglary and/or Fire Alarm System - a discount of 5%. 2. Alarm system that alerts the Fire Department or Police Department - a discount of 3%. 3. Burglary and/or Fire Local Alarm System - a discount of 2%. (For the purposes of this rule, a Fire Local Alarm

System shall include smoke, heat or gas detectors.) This discount is not available when items 1. or 2. apply. (This discount does not apply to Farm Dwelling Plus dwellings since the discount is already reflected in the Farm Dwelling Plus premium).

4. Automatic Sprinkler System with sprinklers in all areas including bathrooms, attics and attached structures - a discount of 3%.

5. Automatic Sprinkler System with sprinklers not in all areas - a discount of 2%.

These discounts apply to the base dwelling or mobile home premium (must adjust for the following if applicable: revised limits of Coverage C and a selection of a higher deductible). It shall not apply to optional coverages or higher limits of Property or Liability coverages. Maximum discount allowed is 8%.

WOODBURNING/SOLID FUEL SURCHARGE All Farm policies with dwellings that have woodburning equipment (except seasonal dwellings or dwellings with a masonry fireplace with either a masonry/brick 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 $45.00 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.

Mobile homes with factory installed woodburning fireplaces are acceptable and will be surcharged $45.00 per year. Mobile homes with any other type of wood heating equipment are not eligible for coverage.

INSTALLED EQUIPMENT BREAKDOWN COVERAGE – NS-0420 Installed Equipment Breakdown covers mechanical and electrical breakdown of installed equipment in an insured farm dwelling or farm outbuilding. Covered equipment includes: equipment designed and built to operate under internal pressure or vacuum, other than weight of contents, communication and computer equipment and other electrical or mechanical equipment. Self-propelled mobile farm equipment, wagons, trailers and implements are not covered; however, GPS, auto steer systems and crop monitors are covered as Transportable Electrical Equipment. The policy deductible applies subject to a minimum of $500. Coverage limits are as follows:

Coverage A, C & D ............................................................ $50,000 Coverage E, F &G ............................................................. Limit of insured item

Computers (in Dwelling or Outbuilding) ............................ Limit of Coverage C or G Farm Income/Extra Expense/Loss of Rents ..................... Limit stated on Declarations Utility Interruption (12 hour waiting period) ....................... Follows Farm Extra Expense limit

Transportable Electrical Equipment .................................. $25,000

This coverage will be included at a rate of 0.006 per $100 of the total insurable values of Coverages A, C, D, E, F and G on the Farmowners and Farm Fire policies. However, if the insured does not want this coverage it can be removed by written request. Contact underwriting for acceptability and rating of risks with power generating equipment producing over 1,000 kW or those risks with 3 or more Equipment Breakdown losses in a 3 year period.

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

http://northstarmutual.com/UserFiles/File/forms/policyforms/Current/NS-0420%2007-15.pdf




ROOF SURFACE EXCLUSION – CF-2208

If a residence, farm barn, building, or structure is of acceptable quality in all factors except the roof surfacing, form CF-2208 Roof Surface Exclusion can be added to the policy. No coverage for loss or damages will be provided for the roof surface. For those residences, farm barns, buildings, or structures to which CF-2208 Roof Surface Exclusion applies, the following will not apply:

Wood Shingle Surcharge

CF-1928 – Roof Replacement Cost

CF-2065 – Metal Roof Discount

https://www.northstarmutual.com/UserFiles/Documents/forms/policyforms/Current/CF-2208%2005-19.pdf



OPTIONAL PROPERTY COVERAGES (See Rate Pages for Premium Charges)

METAL ROOF DISCOUNT (Cosmetic Damage Exclusion applies) – CF-2065 Dwellings

Dwellings are eligible for a 10% discount when the dwelling has a metal roof surface. This discount is optional and when taken, form CF-2065 Cosmetic Damage Exclusion is added to the dwelling.

ADDED ANIMAL PERILS - SHEEP - FP-356

Coverage for death of sheep by accidental shooting, drowning, attack by dogs or wild animals, and collapse of buildings may be provided at an additional premium. For the acceptability of this coverage, refer each case to One General Agency Underwriting.

ADDITIONAL LIVING COSTS AND LOSS OF RENT When writing an owner-occupied residence or a tenants contents policy, Additional Living Costs and Loss of Rent coverage is provided for the actual loss sustained in 12 months.

When writing a tenant-occupied residence no Additional Living Costs or Loss of Rent coverage is provided. This coverage can be purchased.

BACK UP OF SEWERS, DRAINS AND SUMP SYSTEMS - FP-208 (This is not Flood Insurance)

For an additional premium, coverage for direct loss to covered property caused by water or matter present in the water which enters the residence through sewers, drains and sump systems may be added. This coverage does not apply to coverage D. This coverage is only available when writing Broad Perils or Special Form. The policy deductible amount and terms apply to this coverage.

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. (applies if the coverage is new or to any increase of limit). The following underwriting eligibility criteria must be met when writing sewer back-up limits of $10,000 or more:

1. No previous sewer back-up claims in the past 5 years. 2. There must be a sump pump with a battery back-up and/or a generator on site. The generator can be automatic

or portable.

BORROWED, RENTED OR LEASED FARM MACHINERY The policy provides up to $10,000 ($25,000 if Farm Plus Endorsement purchased) Basic Form coverage for direct physical loss from the Basic Perils to farm machinery and equipment that is rented, borrowed, or leased from others (please refer to Insurance Under More Than One Policy in the FP-1) at no additional charge. The amount of coverage for this is shown on the Declarations. The amount of coverage can be increased by applying the rate from the rate page to the amount of the increase.

Special Form – When special form is written for this coverage, a premium must be charged for the $10,000 coverage that is included [(Special Rate – Basic Rate) x (10,000/100)]. If a higher limit is written, the special form rate shown on the rate page applies to the increased limit. If the Farm Plus Endorsement has been purchased, Special Form can be added for [(Special Rate – Basic Rate) x ($25,000/$100)].

Examples:

Assume the $1,000 deductible rates for this coverage are Basic Perils - $0.55 and Special Form - $0.71.

To add Special Form to the $10,000 included, the premium calculation is [($0.71 -$0.55) X ($10,000/$100)] = $16.00.

To add Special Form and increase the coverage to a total of $18,000, the premium calculation is [($0.71 - $0.55) X ($10,000/$100)] = $16.00 plus ($0.71 X $8,000/$100)] = $57.00 for a total charge of $73.00.


http://northstarmutual.com/UserFiles/File/forms/policyforms/Current/FP-356%2007-15.pdf




OPTIONAL PROPERTY COVERAGES (Continued) (See Rate Pages for Premium Charges)

ENHANCEMENT ENDORSEMENTS – CF-2104, CF-2105

The Farmowner Enhancement Endorsements increase the internal Limits on Certain Property which are built into the FP-1. Two options are available - the FO Extra or the FO Premier. The Arson, Theft, or Vandalism Reward coverage is an added coverage under either option. Special Limits under Coverage C are increased to the amounts specified for each form. If an increase is requested on individual items, coverage then can be obtained either by not attaching these endorsements and using the previous method or by adding scheduled Inland Marine coverage where available.

FARMOWNER FARMOWNER EXTRA PREMIER (Limits) (Limits) Money $ 500 $ 1,000 Securities 2,500 5,000 Electronic Devices In/On Vehicle 2,500 5,000 Electronic Devices For Business Not In/On Vehicle 2,500 5,000 Watercraft & Their Trailers 2,500 3,000 Campers, Camper Bodies, Pickup Toppers, & Non-farm Trailers Not Otherwise Provided For 2,500 5,000 Theft of Jewelry 5,000 7,500 Theft of Silverware 5,000 7,500 Theft of Guns 5,000 10,000 Business Property – On Premises 5,000 7,500 Business Property – Off Premises 1,000 1,500 Motorized Vehicle Used To Service Premises 10,000 15,000 Arson, Theft, or Vandalism Reward 1,000 5,000

Use the rating information shown in the State Rate Pages.

Attach endorsement CF-2104 when Farmowners Extra Enhancement is selected or endorsement CF-2105 when Farmowners Premier Enhancement is selected.

EXCLUSION OF LOSS DUE TO BY-PRODUCT FROM PRODUCTION OR PROCESSING PRODUCTS - FP-2096

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 FP-2096 and indicate on the Declarations if this exclusion applies per policy or per location.

FARM EQUIPMENT CAB GLASS - NS-350

The policy may be extended to provide coverage for the breakage of glass in the cab of mobile farm equipment. This coverage is extended to all units with cabs covered under Coverages E and F. Rating is based on the total number of units with cabs covered under Coverages E and F. No deductible applies.

FARM EXTRA EXPENSE - NS-355

The policy may be extended to provide coverage for extra expenses incurred as a result of an insured loss in order to continue normal farm operations which have been interrupted as a result of an insured loss or damage to farm personal property or farm barns, buildings or structures also insured under the policy. If the Farm Plus Endorsement has been purchased, $2,500 of coverage is provided.









FARM MACHINERY, EQUIPMENT AND TOOLS - SPECIAL FORM

Special Form may be added to cover farm machinery, equipment, tools and irrigation equipment. This form provides coverage for risks of direct physical loss unless the loss is excluded.

When Special Form is written to cover farm machinery, equipment and tools, it is not mandatory that Special Form also apply to irrigation equipment.

All losses involving the intake of rock(s) or foreign object(s) by harvesting and forage equipment must be reported to us immediately. Any losses reported more than 60 days following the occurrence will not be honored. The policy deductible will apply (FP-1 used).

Rented or Leased Equipment – If writing this coverage on rented or leased farm machinery and equipment, then losses must be reported by the “insured” and under no circumstances will losses be honored after the rented or leased farm machine or piece of equipment has been returned to the owner. All requests for Special Form coverage on Rented or Leased Equipment (less than 1 year term) must be made using CF-1882. The CF-1882 may be completed on the computer, then printed.

This coverage should be written for only your better farm operators who take care of and have excellent equipment.

NOTE: North Star will not write Special Form coverage if custom farming is done.

FARM OPERATIONS RECORDS

The policy may be extended to provide for expenses incurred to research, obtain necessary data, replace, reproduce, or restore farm operation records damaged or destroyed by a peril insured against.

FARM OUTBUILDINGS - BROAD PERILS

Broad Perils may be added to cover farm outbuildings of excellent condition and quality that are insured for at least $2,000. Broad Perils provides coverage for weight of ice, snow or sleet.

FARM OUTBUILDINGS - SPECIAL FORM

Special Form may be added to cover farm outbuildings of excellent condition and quality that are insured for at least $2,000. This form provides coverage for risks of direct loss (including weight of ice, snow or sleet) unless the loss is excluded.

FARM PERSONAL PROPERTY - PEAK SEASON INVENTORIES

The policy may be written to provide above normal amounts of coverage for farm personal property. Where insurance is so written, the specific period of peak season coverage may not extend beyond the normal expiration period or anniversary date of the policy. Pro rate the premium for the amount of the increase on the items scheduled for this endorsement based on the peak season period.




ENHANCED FARM ENDORSEMENTS – CF-2064, CF-2207 The policy may be extended to provide the following additional coverages: The following options are available with their coverages and limits. If increased limits are indicated elsewhere on the declarations, those premiums, where applicable, will be revised to reflect the limits provided by this coverage: Farm Plus Farm Preferred CF-2064 CF-2207 Coverage E

Newly Acquired Property N/A 100,000

Borrowed, Rented or Leased Equipment 25,000 25,000

Farm Operations Records Expense N/A 25,000

Newer Machinery N/A 110% of ACV Coverages E or F

Peak Season Inventory (increased limit) N/A 25,000 (Peak Season coverage must already be shown on the declarations) Coverage G

New Construction 50,000 250,000 Coverages A & G

Private Power Poles and Outside Wiring N/A 1,000 Incidental Property Coverages that apply to Coverages A, C, E, F, and G

Arson, theft, or vandalism reward 2,500 5,000

Fire Extinguisher Recharge N/A 2,500 Incidental Property Coverages that apply to Coverages A and/or C

Trees, Plants, Shrubs, or Lawns N/A 5,000

Sidewalks and Driveways N/A 2,500 Incidental Property Coverages that apply to Coverages A, C and/or G

Farm Signs N/A 10,000

Lock and Garage Door Transmitter Replacement N/A 500 Incidental Property Coverages that apply to Coverages E, F, and/or G

Farm Extra Expense 2,500 10,000 Incidental Property Coverages that apply to Coverages E and/or F

Temporary Replacement of Mobile Farm Machinery ACV 110% of ACV

Tank Leakage N/A 5,000 Incidental Property Coverages that apply to Coverage C only

Replacement Cost of Farm Office Contents Cov C Limit N/A Incidental Property Coverages that apply to Coverage G only

Tenant’s Improvements N/A 25,000

Farm Office Contents N/A 10,000

HAY IN THE OPEN (Includes Hay, Fodder, Straw And Other Animal Bedding)

Hay, fodder, straw and other animal bedding in stacks, windrows or bales while in the open are covered for loss caused by the perils of fire or lightning and are limited to $15,000 per stack. A stack means hay, fodder, straw or other animal bedding in one area separated by a clear space of 100 feet or more from any other hay, fodder, straw or other animal bedding in the open. The per stack limit may be increased to $20,000 for an additional premium. Refer to home office for stack limits above $20,000.

When stack limit is greater than $15,000 make an entry on the declarations page to show the limit per stack.






HIGHER LIMITS ON CERTAIN PROPERTY

Credit Card and Depositors Forgery - The policy limits coverage for loss by forgery or alterations of credit cards, electronic fund transfer cards or access devices, checks or drafts, or acceptance of counterfeit paper currency to $1,500. This may be increased to the aggregate limits of $2,500; $5,000; $7,500 or $10,000 as shown in the Rate Pages.

Fire Department Service Charge - The policy limits coverage for Fire Department Service Charge to $500. Coverage may be increased as needed.

Increased Cost – Ordinance or Law – The policy provides up to 10% of the Coverage A limit to cover the increased cost incurred due to the enforcement of a code, ordinance, or law that regulates the repair or replacement of a residence damaged or destroyed by a peril insured against. Coverage may be increased as needed.

Guns and Gun Accessories - The policy limits coverage of guns and gun accessories to $2,500 for loss by theft. Coverage may be increased as needed.

Money - Money coverage may be increased from the basic limit of $250 to a maximum of $750.

Securities, Stamps, Letters of Credit – The policy limits coverage on securities, stamps, letters of credit, notes other than bank notes, tickets, accounts, deeds, passports, and manuscripts to $1,500. Coverage may be increased to $2,000

Electronic Devices – The policy limits coverage for electronic devices while in a motorized vehicle or watercraft if the device can be operated from the vehicle’s electrical system or another source of power to $1,500. The policy also limits coverage for electronic devices used for business purposes while away from the insured premises and not in a motorized vehicle or watercraft if the device can be operated from the vehicle’s electrical system or another source of power to $1,500. These coverages may be increased as needed.

Motorized Vehicles - The policy limits coverage for motorized vehicles: a. designed to assist the handicapped; or b. used to service the insured premises and not licensed for use on public roads to $7,500. Coverage may be increased as needed.

Silverware, Goldware and Pewterware - The policy limits coverage for silverware, goldware and pewterware to $2,500 for loss by theft. Coverage may be increased to an aggregate of $11,500.

Unscheduled Jewelry, Watches and Furs - The policy limits coverage for unscheduled jewelry, watches and furs to $2,500 for loss by theft. Coverage may be increased to an aggregate of $4,000.

Business Property – The policy limits coverage for personal property used primarily for business (other than farming) to $2,500 while on the insured premises for loss by theft. Coverage may be increased to $7,500. Coverage for personal property used primarily for business (other than farming) while away from the insured premises is limited to 20% of the limit shown on the declarations for personal property used for business while on the insured premises for loss by theft. The total limit that applies to the class of property being increased will be shown on the declarations.




LIVESTOCK CONFINEMENT COVERAGE - CF-660 This endorsement applies only to covered livestock (excluding poultry). Livestock means cattle, sheep, swine, goats, horses, mules, donkeys and hybrids thereof. It provides coverage for death of livestock resulting from risks of direct physical loss unless the loss is excluded. The building the livestock are confined in must be described on this endorsement.

This coverage is subject to a $1,000 deductible per occurrence, unless a higher deductible is shown on the declarations for this coverage. Apply the property coverage deductible factors to the appropriate livestock confinement coverage rate.

Underwriting Requirements

1. AGENT CANNOT BIND COVERAGE (All buildings will be inspected by Company Inspector). 2. Livestock must be insured for the full actual cash value in building at 100% capacity. 3. Double decking of livestock or operating at over capacity is prohibited. 4. Premises must be occupied. 5. The premises must be equipped with some type of standby generator that could be used to protect the

confinement building should a power outage occur. (e.g., portable generator operated by the power take off of a tractor)

6. Building built before July 1, 1979, must meet the following requirements: a. Electrical system must be above average condition. b. Main service box shall be outside of raising area. c. All secondary protection must be totally enclosed, dust and moisture proof. d. Ventilation fans to be wired as follows:

1) A compartment with up to 4 fans will each have their own circuit. 2) A compartment with 5 to 8 fans will not have more than 2 fans per circuit. A compartment must have 4

fan circuits. 3) A compartment with 9 or more fans will not have more than 3 fans per circuit. A compartment must

have 4 fan circuits. e. Buildings in excellent condition, but not conforming to the above requirements, may be eligible for coverage

upon inspection and company approval. 7. All buildings built after July 1, 1979, must meet all requirements of NEC ARTICLE 547.

LOSS OF INCOME (LIVESTOCK OPERATIONS) - CF-684 This endorsement covers loss of operating income during a partial or complete shutdown of a livestock operation. The shutdown must be the direct result of loss or damage caused by a peril insured against. A 6 month maximum period of indemnity applies.

MOBILE HOMES ONLY - ADDITIONAL COVERAGES Secured Party’s Interest - Additional Coverage - NS-27

Covers secured party’s interest from loss by collision, overturn, conversion, embezzlement or secretion.

Secured Party’s Interest - Additional Coverage - NS-28 Covers secured party’s interest from loss by flood, earthquake, collision, overturn, conversion, embezzlement or secretion. This endorsement can be used only in conjunction with the Special Form.

Collision or Overturn Coverage - NS-26 The policy is extended to cover loss from collision or overturn for a period of 30 days. Subject to a mandatory $100 deductible. This coverage may be provided only in connection with consent to move mobile home coverage.

Consent To Move Mobile Home - NS-25 Premises limits are extended to wherever the mobile home may be, for a period of 30 days.

Replacement Cost - Mobile Homes Coverage A Mobile Homes under 10 years old can be written on a replacement cost basis if written for 90% or more of full replacement cost. This option is only available when writing Broad Perils or Special Form. The Inflation Guard Provision is mandatory. Property coverages will periodically be automatically updated based on changing construction cost factors. Replacement cost coverage may not be allowed or may be removed depending on the condition and upkeep of the mobile home.





http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/NS-26%209-09.pdf

http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/NS-25%209-09.pdf




EXPANDED REPLACEMENT COST COVERAGE - COVERAGE A (SPECIAL FORM ONLY) - CF-1877

The policy replacement cost terms that apply to Coverage A may be endorsed to increase the amount of insurance that would apply to the dwelling. When this endorsement is added, the policy is amended to provide full replacement cost insurance for the Coverage A – Dwelling up to 125% of the amount of insurance shown on the Declarations, if the insured elects to repair or replace the dwelling. Roof surfacing is on an actual cash value basis. Replacement cost coverage can be purchased for roof surfacing, if the roof is not wood and is 5 years old or less. To qualify for Expanded Replacement Cost Coverage, the following Eligibility Rules/Underwriting Requirements must be met:

1. The dwelling must be insured for 100% of Replacement Cost as determined by the Marshall & Swift/Boeckh (RCT) Program or an acceptable equivalent replacement cost estimating program. A current updated replacement cost estimator printout must accompany the request for Expanded Replacement Cost Coverage.

2. The dwelling must be in excellent condition both inside and out.

3. At least two photographs of the dwelling taken from a distance and angle that shows the property’s overall condition accurately must accompany the request for this coverage.

4. There cannot be a substantial difference between the market value and replacement cost.

5. Ornate or Victorian homes are not eligible. Also, homes of unique construction or built from materials that cannot be duplicated because of their unique, antique or artistic characteristics are not eligible. Examples include but are not limited to irreplaceable stained glass windows, murals painted by well-known artists, antique or one of a kind lighting or other fixtures, elaborate moldings or carvings on mantels, balustrades, log homes, etc.

6. the replacement cost of the dwelling by $5,000 or more and pay the additional premium due within 90 days of the start of the project. If the insured fails to notify us, and the cost to replace all or a part of the damaged dwelling exceeds the Coverage A limit of insurance, the value or cost of the unreported addition or alteration will not be covered.

To develop the premium for this option, multiply the replacement cost base premium by a factor of 1.02.

This is an automatic coverage on Farm Dwelling Plus dwellings. This coverage does not apply to Mobile Homes.

MODIFIED REPLACEMENT COST - RESIDENCE - FP-256

The standard Farmowners policy provides loss settlement on a replacement cost basis for the dwelling and North Star requires coverage to be written at 90% of full replacement cost. If the dwelling is in good condition, meets all underwriting requirements, but has a lower market value, this percentage amount may be modified to 50%, 60%, 70%, or 80% of replacement value without affecting the loss settlement provisions. If this option is selected, the Coverage A limit representing 50%, 60%, 70%, or 80% of replacement value is to be shown in the policy declarations.

Develop the premium for the coverage as follows:

1. Determine the 100% replacement value of the dwelling. 2. Obtain the premium for the limit determined in 1. above using the replacement cost Base Premium Chart. 3. Apply the appropriate factor shown below to the premium developed in 2. above.

% of Replacement Value Factor 50% .80 60% .83 70% .86 80% .89






NON-DEPRECIATION OF REPAIRS – CF-1875

This endorsement provides, at no additional charge, non-depreciation of repairs that applies only to Scheduled Farm Personal Property (Coverage E) and Unscheduled Farm Personal Property (Coverage F). It eliminates the deduction for depreciation on repairs to farm personal property covered under Coverages “E” and “F”. Payment under this coverage is still limited to the actual cash value of the insured items(s) damaged.

PERSONAL PROPERTY

Increased Limit (Owner Occupied) - The Coverage C limit may be increased at an additional premium.

Decreased Limit (Owner Occupied) - The Coverage C limit may be reduced to not less than 40% of the Coverage A limit. This reduction is not permitted for policies written with an Office, Professional, Private School or Studio Use endorsement, when Replacement Cost - Personal Property is written or when the Farm Dwelling Plus endorsement is written.

To Add a Limit (Non-owner Occupied) - Coverage C may be added at an additional premium.

PERSONAL PROPERTY - SPECIAL FORM

Household personal property (Coverage C) may be changed from Broad Perils (named perils) coverage to Special Form (covers risks of direct physical loss unless the loss is excluded) coverage. This coverage is only available when the dwelling/mobile home is written on the Special Form (Form 3) or when writing a Tenant's Policy (Form 4).

This is an automatic coverage for Household Personal Property in a dwelling written with the Farm Dwelling Plus endorsement.

REFRIGERATED FOOD PRODUCTS - NS-305

Provides for loss or damage to food products contained in a freezer or refrigerated unit on the insured premises. No deductible applies. Amounts of $500 or $1,000 are available.

This is an automatic coverage for a dwelling written with the Farm Dwelling Plus endorsement.

REFRIGERATED MILK PRODUCTS - CF-682

This endorsement covers loss or damage to refrigerated milk products caused by a peril of the policy applying to farm personal property or electrical interruption or mechanical breakdown to the refrigeration equipment.

ROOF REPLACEMENT COST (COVERAGE A- RESIDENCE) - CF-1928 The policy provides settlement for roof surfacing losses on an actual cash value basis. The policy may be endorsed to provide loss settlement on a replacement cost basis for roof surfacing for Coverage A – Residence subject to the underwriting rules below.

1. Roof surfacing must be 5 years old or less. 2. Wood roofs do not qualify.

To develop the premium for this option, multiply the base premium by a factor of 1.10.








REPLACEMENT COST - FARM OUTBUILDINGS

Replacement Cost Coverage may be added to newer farm outbuildings of excellent construction and quality providing they meet the following guidelines. A separate premium charge applies.

1. Frame buildings (without wood shingles) must not be more than 5 years old. 2. Metal buildings must not be more than 10 years old. 3. Building must be insured for at least 80% of its full Replacement Cost. 4. Building must be fully utilized. 5. Buildings with wood shingles are not eligible. 6. Type 2 & 3 Barns and Other Farm Outbuildings are not eligible.

REPLACEMENT COST - IRRIGATION EQUIPMENT

Those insureds who wish to have Center Pivot irrigation equipment changed from Actual Cash Value to Replacement Cost basis can do so if the following are met:

1. Irrigation equipment must be insured to 100% of current replacement cost with a minimum coverage limit of $9,000 per tower.

2. Pivot must be 15 years old or less. Replacement Cost may be allowed on older pivots that have regular maintenance and upgrades.

3. Similar make and model must still be in production. 4. Pivot System must be in good repair. 5. Make, model and year of manufacture must be provided with application.

Complete and attach to the Farm application the Replacement Cost – Irrigation Equipment form (CF-1853).

REPLACEMENT COST - PERSONAL PROPERTY

Those insured's who wish to have the covered property listed below changed from an Actual Cash Value to Replacement Cost basis can do so if the personal property is insured to at least 90% of Replacement Cost. These items are covered at full Replacement Cost when the declarations shows replacement cost applicable to Coverage C.

a. Coverage C - Personal Property; b. Domestic appliances and window air conditioners; c. Carpeting, curtains and drapes; d. Awnings and canopies; and e. Antennas.

When multiple dwellings are written under the same policy, personal property may be written on a replacement cost. A separate charge for replacement cost on the contents must be made for each dwelling with this coverage.

NOTE: Coverage C cannot be reduced to less than 60% of Coverage A (75% of Coverage A for Farm Dwelling Plus endorsement).

This is an automatic coverage if the dwelling is written with the Farm Dwelling Plus endorsement.

SOLAR PANEL(S) COVERAGE – CF-2141

The property coverage form excludes coverage for solar panels under Coverage G – Farm Barns, Buildings, or Structures. Optional coverage for solar panels and their components is available for the Basic or Broad perils. Coverage is provided at actual cash value. The Home Office must be contacted before writing arrays with generating capabilities in excess of 500 kW. The additional premium is shown in the state rate pages.





THEFT COVERAGE-RESIDENCE, FARM BARN, BUILDING AND STRUCTURE UNDER CONSTRUCTION - CF-2137

The Property Coverage form excludes loss by theft or attempted theft in or to a residence, farm barn, building, or structure being built or theft of materials or supplies for use in construction of the residence, farm barn, building, or structure until it is occupied. North Star has available an optional endorsement to provide theft coverage from a residence, farm barn, building, or structure while it is being built and before it is occupied by the insured.

The Farm rules permit the writing of a Farm policy on a residence, farm barn, building, or structure under construction for occupancy by the insured. This endorsement may then be attached to provide theft coverage in those situations.

The endorsement gives the theft coverage for 180 days at a flat premium charge 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 retained premium.

WINTER PERILS - LIVESTOCK - FP-324

Coverage for livestock covered under Coverage E or F can be extended to include loss resulting from death of livestock caused by freezing or smothering in snowstorms or ice storms. This coverage is subject to a coinsurance provision. Must describe the type of livestock covered and show the amount of coverage. When being endorsed to an existing policy, coverage will be made effective no sooner than 5 days after receipt of the endorsement request in North Star's office. The premium charged for this endorsement is retained premium.

NOTE: An agent cannot bind this coverage.

OPTIONAL INLAND MARINE COVERAGES

Coverage for Boats and Outboard Motors, Home Computers, Recreational Vehicles, Scheduled Personal Property and other Inland Marine classes may be endorsed onto the Farmowners. Complete and attach an Inland Marine Application. Refer to the Inland Marine Section of the Agents Manual for forms, rules, rates and underwriting criteria.



For Masonry Construction, decrease base policy premium by 10%.



RATE PAGES FARM BASE PREMIUMS $1,000 DED. FARM DWELLING PLUS PREMIUM CHART UNPROTECTED

(For Preferred Farmowners Risks)

(Refer to page NSFO-10 for Location of Risk Modifiers for each territory)

FRAME DWELLINGS – OWNER OCCUPIED

(Includes 75% of coverage A for Contents)

(Includes Expanded Replacement Cost Coverage for Dwelling and Replacement Cost for Personal Property)

COV. A Cov. A

AMOUNT Unprotected Amount Unprotected

150,000 2,321 345,000 4,650

155,000 2,357 350,000 4,714

160,000 2,392 355,000 4,785

165,000 2,427 360,000 4,855

170,000 2,461 365,000 4,928

175,000 2,498 370,000 5,000

180,000 2,535 375,000 5,071

185,000 2,589 380,000 5,141

190,000 2,642 385,000 5,212

195,000 2,701 390,000 5,282

200,000 2,759 395,000 5,354

205,000 2,818 400,000 5,425

210,000 2,876 405,000 5,503

215,000 2,933 410,000 5,581

220,000 2,990 415,000 5,661

225,000 3,053 420,000 5,741

230,000 3,116 425,000 5,820

235,000 3,178 430,000 5,899

240,000 3,239 435,000 5,978

245,000 3,304 440,000 6,056

250,000 3,369 445,000 6,136

255,000 3,438 450,000 6,215

260,000 3,507 460,000 6,373

265,000 3,578 470,000 6,527

270,000 3,649 480,000 6,684

275,000 3,721 490,000 6,840

280,000 3,793 500,000 6,997

285,000 3,863 510,000 7,151

290,000 3,933 520,000 7,302

295,000 4,002 530,000 7,452

300,000 4,071 540,000 7,604

305,000 4,133 550,000 7,756

310,000 4,195 560,000 7,907

315,000 4,261 570,000 8,061

320,000 4,327 580,000 8,211

325,000 4,391 590,000 8,364

330,000 4,455 600,000 8,517

335,000 4,521 EACH ADD'L

340,000 4,586 5,000 ADD: 56

* For Secondary Location Only. ** The premiums in this column provide Special Perils for the Dwelling and Broad Perils for the Household Personal Property. For Masonry Construction decrease base premium by 10%.

PROPERTY RATES FOR A FARM FIRE POLICY MUST BE MULTIPLIED BY 1.15 Oklahoma New Business 05-01-19


RATE PAGES FARM BASE PREMIUMS $1,000 DED. FRAME DWELLINGS - OWNER OCCUPIED UNPROTECTED

(Includes 60% of Coverage A for Contents)


DWELLINGAMOUNT Basic Broad Special** Basic Broad Special**

25,000 1,291 1,362 * 1,434 * 1,162 1,233 * 1,291 *30,000 1,300 1,372 * 1,444 * 1,170 1,242 * 1,300 *40,000 1,319 1,392 * 1,465 * 1,187 1,260 * 1,319 *50,000 1,338 1,413 1,487 * 1,204 1,279 1,338 *60,000 1,357 1,433 1,508 * 1,221 1,297 1,357 *70,000 1,376 1,453 1,529 1,238 1,315 1,37680,000 1,396 1,473 1,551 1,256 1,334 1,39690,000 1,432 1,511 1,591 1,289 1,368 1,432

100,000 1,471 1,552 1,634 1,324 1,405 1,471110,000 1,541 1,626 1,712 1,387 1,472 1,541120,000 1,617 1,707 1,797 1,456 1,545 1,617130,000 1,692 1,786 1,880 1,523 1,617 1,692140,000 1,773 1,872 1,970 1,596 1,694 1,773150,000 1,855 1,958 2,061 1,669 1,772 1,855160,000 1,936 2,043 2,151 1,742 1,850 1,936170,000 2,017 2,129 2,241 1,815 1,927 2,017180,000 2,100 2,216 2,333 1,890 2,006 2,100190,000 2,181 2,302 2,423 1,963 2,084 2,181200,000 2,275 2,402 2,528 2,048 2,174 2,275210,000 2,367 2,499 2,630 2,130 2,262 2,367220,000 2,461 2,597 2,734 2,215 2,351 2,461230,000 2,554 2,696 2,838 2,299 2,441 2,554240,000 2,651 2,798 2,945 2,385 2,533 2,651250,000 2,744 2,897 3,049 2,470 2,622 2,744260,000 2,853 3,012 3,170 2,568 2,726 2,853270,000 2,957 3,122 3,286 2,662 2,826 2,957280,000 3,064 3,234 3,404 2,757 2,927 3,064290,000 3,163 3,338 3,514 2,846 3,022 3,163300,000 3,267 3,449 3,630 2,940 3,122 3,267310,000 3,397 3,585 3,774 3,057 3,246 3,397320,000 3,529 3,725 3,921 3,176 3,372 3,529330,000 3,662 3,866 4,069 3,296 3,499 3,662340,000 3,790 4,000 4,211 3,411 3,621 3,790350,000 3,921 4,139 4,357 3,529 3,747 3,921360,000 4,052 4,277 4,502 3,647 3,872 4,052370,000 4,183 4,416 4,648 3,765 3,997 4,183380,000 4,316 4,556 4,796 3,885 4,125 4,316390,000 4,447 4,694 4,941 4,002 4,249 4,447400,000 4,577 4,832 5,086 4,120 4,374 4,577410,000 4,708 4,969 5,231 4,237 4,499 4,708420,000 4,839 5,108 5,377 4,355 4,624 4,839430,000 4,972 5,248 5,524 4,474 4,751 4,972440,000 5,102 5,386 5,669 4,592 4,875 5,102450,000 5,236 5,527 5,818 4,713 5,003 5,236460,000 5,367 5,665 5,963 4,830 5,128 5,367470,000 5,497 5,803 6,108 4,947 5,253 5,497480,000 5,630 5,942 6,255 5,067 5,379 5,630490,000 5,761 6,081 6,401 5,185 5,505 5,761500,000 5,891 6,219 6,546 5,302 5,630 5,891

EACH ADD'L5,000 ADD: 61 65 68 55 58 61

REPLACEMENT COST ACTUAL CASH VALUE

* For Secondary Location Only. For Masonry Construction decrease base premium by 10%.



RATE PAGES FARM BASE PREMIUMS

$1,000 DED. FRAME DWELLINGS - TENANT OCCUPIED UNPROTECTED

(No Contents Coverage Included)


DWELLINGAMOUNT Basic Broad Special Basic Broad Special

25,000 1,176 1,248 * 1,312 * 989 1,047 * 1,104 *30,000 1,184 1,256 * 1,321 * 996 1,054 * 1,112 *40,000 1,201 1,275 * 1,340 * 1,011 1,069 * 1,128 *50,000 1,219 1,294 1,361 * 1,026 1,086 1,145 *60,000 1,237 1,312 1,380 * 1,041 1,101 1,161 *70,000 1,254 1,330 1,399 1,055 1,116 1,17780,000 1,272 1,349 1,419 1,070 1,132 1,19490,000 1,305 1,384 1,456 1,098 1,161 1,225

100,000 1,340 1,422 1,495 1,127 1,193 1,258110,000 1,404 1,489 1,566 1,181 1,250 1,318120,000 1,474 1,563 1,644 1,240 1,312 1,384130,000 1,542 1,636 1,720 1,297 1,372 1,448140,000 1,615 1,714 1,803 1,359 1,438 1,517150,000 1,690 1,793 1,886 1,422 1,505 1,587160,000 1,764 1,871 1,968 1,484 1,570 1,656170,000 1,838 1,950 2,051 1,546 1,636 1,726180,000 1,913 2,030 2,135 1,610 1,703 1,796190,000 1,987 2,108 2,217 1,672 1,769 1,866200,000 2,073 2,199 2,313 1,744 1,845 1,947210,000 2,157 2,288 2,406 1,815 1,920 2,025220,000 2,242 2,379 2,502 1,886 1,996 2,105230,000 2,327 2,469 2,597 1,958 2,072 2,185240,000 2,415 2,562 2,695 2,032 2,150 2,268250,000 2,500 2,653 2,790 2,104 2,226 2,348260,000 2,599 2,758 2,901 2,187 2,314 2,441270,000 2,695 2,859 3,007 2,267 2,399 2,530280,000 2,791 2,961 3,115 2,349 2,485 2,621290,000 2,881 3,057 3,215 2,425 2,565 2,706300,000 2,977 3,158 3,321 2,505 2,650 2,795310,000 3,095 3,283 3,453 2,604 2,755 2,906320,000 3,215 3,411 3,588 2,705 2,862 3,019330,000 3,337 3,540 3,723 2,808 2,970 3,133340,000 3,453 3,664 3,853 2,906 3,074 3,242350,000 3,573 3,791 3,987 3,006 3,181 3,355360,000 3,692 3,917 4,119 3,106 3,286 3,467370,000 3,811 4,044 4,253 3,207 3,393 3,579380,000 3,933 4,173 4,388 3,309 3,501 3,693390,000 4,052 4,299 4,521 3,409 3,607 3,805400,000 4,171 4,425 4,654 3,509 3,713 3,916410,000 4,289 4,551 4,786 3,609 3,819 4,028420,000 4,409 4,678 4,920 3,710 3,925 4,140430,000 4,530 4,806 5,054 3,812 4,033 4,253440,000 4,649 4,932 5,187 3,912 4,138 4,365450,000 4,771 5,062 5,323 4,014 4,247 4,480460,000 4,890 5,188 5,456 4,114 4,353 4,592470,000 5,009 5,314 5,589 4,215 4,459 4,703480,000 5,129 5,442 5,723 4,316 4,566 4,816490,000 5,249 5,569 5,857 4,417 4,673 4,929500,000 5,368 5,695 5,990 4,517 4,779 5,040

EACH ADD'L5,000 ADD: 56 59 62 47 50 52

REPLACEMENT COST ACTUAL CASH VALUE




$1,000 DED. TENANT CONTENTS (Dwelling) UNPROTECTED

FRAME OR MASONRY

ALL TERRITORIES

COVERAGE C

AMOUNT

8,000 184

9,000 187

10,000 189

11,000 192

12,000 197

13,000 200

14,000 202

15,000 205

16,000 207

17,000 212

18,000 215

19,000 220

20,000 223

21,000 227

22,000 233

23,000 237

24,000 242

25,000 247

26,000 251

27,000 256

28,000 260

29,000 265

30,000 270

31,000 275

32,000 280

33,000 284

34,000 289

35,000 294

36,000 300

37,000 306

38,000 308

39,000 315

40,000 319

41,000 325

42,000 329

43,000 334

44,000 339

45,000 344

46,000 349

47,000 355

48,000 358

49,000 364

50,000 369

55,000 394

60,000 420

65,000 448

70,000 479

75,000 511

EACH ADD'L

1,000 ADD: 8

BROAD

PERILS

* For Secondary Location Only. ** The premiums in this column provide Special Perils for the Dwelling and Broad Perils for the Household Personal Property.

TIE-DOWNS DISCOUNTS

A 10% discount off the base premiums will be allowed if at least one of the following applies: • The mobile home has factory approved tie-downs that are anchored.• All double-wide mobile homes. • All mobile homes on a basement. Dwelling and Broad Perils for the Household Personal Property.

MOBILE HOME 16 YEARS AND OLDER

Increase base premiums 2% per year beginning with the 16th year. Maximum surcharge will not exceed 50%. NOTE: Mobile homes over 25 years of age are not eligible for new business.



RATE PAGES FARM BASE PREMIUMS $1,000 DED. MOBILE HOMES UNPROTECTED

ACTUAL CASH VALUE


(Owner Occupied - Includes 60% of Coverage A for Contents)

(Tenant Occupied - No Contents Coverage Included)

MOBILE HOMEAMOUNT Basic Broad Special** Basic Broad Special

10,000 838 884 * 931 * 801 838 * 903 *12,000 872 921 969 * 833 872 940 *14,000 906 957 1,007 * 866 906 977 *16,000 941 993 1,045 899 941 1,01418,000 975 1,029 1,083 931 975 1,05120,000 1,010 1,066 1,122 965 1,010 1,08822,000 1,041 1,099 1,157 995 1,041 1,12224,000 1,073 1,132 1,192 1,025 1,073 1,15626,000 1,105 1,167 1,228 1,056 1,105 1,19128,000 1,138 1,201 1,264 1,087 1,138 1,22630,000 1,169 1,234 1,299 1,117 1,169 1,26031,000 1,184 1,250 1,316 1,132 1,184 1,27732,000 1,200 1,266 1,333 1,146 1,200 1,29333,000 1,214 1,282 1,349 1,160 1,214 1,30934,000 1,229 1,297 1,365 1,174 1,229 1,32435,000 1,244 1,313 1,382 1,189 1,244 1,34136,000 1,260 1,330 1,400 1,204 1,260 1,35837,000 1,274 1,345 1,416 1,218 1,274 1,37438,000 1,289 1,360 1,432 1,232 1,289 1,38939,000 1,303 1,376 1,448 1,245 1,303 1,40540,000 1,319 1,393 1,466 1,261 1,319 1,42241,000 1,334 1,408 1,482 1,275 1,334 1,43842,000 1,351 1,426 1,501 1,291 1,351 1,45643,000 1,366 1,442 1,518 1,305 1,366 1,47244,000 1,381 1,457 1,534 1,319 1,381 1,48845,000 1,398 1,475 1,553 1,336 1,398 1,50646,000 1,413 1,492 1,570 1,350 1,413 1,52347,000 1,428 1,508 1,587 1,365 1,428 1,53948,000 1,444 1,524 1,604 1,379 1,444 1,55649,000 1,460 1,541 1,622 1,395 1,460 1,57350,000 1,475 1,557 1,639 1,410 1,475 1,59051,000 1,490 1,572 1,655 1,423 1,490 1,60552,000 1,505 1,588 1,672 1,438 1,505 1,62253,000 1,518 1,603 1,687 1,451 1,518 1,63654,000 1,532 1,617 1,702 1,464 1,532 1,65155,000 1,548 1,634 1,720 1,479 1,548 1,66856,000 1,562 1,648 1,735 1,492 1,562 1,68357,000 1,575 1,663 1,750 1,505 1,575 1,69858,000 1,589 1,678 1,766 1,519 1,589 1,71359,000 1,605 1,694 1,783 1,533 1,605 1,73060,000 1,619 1,709 1,799 1,547 1,619 1,74565,000 1,685 1,778 1,872 1,610 1,685 1,81670,000 1,749 1,846 1,943 1,671 1,749 1,88575,000 1,811 1,911 2,012 1,730 1,811 1,95280,000 1,870 1,974 2,078 1,787 1,870 2,01685,000 1,941 2,049 2,157 1,855 1,941 2,09290,000 2,011 2,122 2,234 1,921 2,011 2,16795,000 2,077 2,193 2,308 1,985 2,077 2,239

100,000 2,141 2,260 2,379 2,046 2,141 2,308EACH ADD'L

5,000 ADD: 76 80 84 72 76 81

OWNER OCCUPIED TENANT OCCUPIED

TIE-DOWNS DISCOUNTS

A 10% discount off the base premiums will be allowed if at least one of the following applies: • The mobile home has factory approved tie-downs that are anchored.• All double-wide mobile homes. • All mobile homes on a basement. Dwelling and Broad Perils for the Household Personal Property.

MOBILE HOME 16 YEARS AND OLDER

Increase base premiums 2% per year beginning with the 16th year. Maximum surcharge will not exceed 50%. NOTE: Mobile homes over 25 years of age are not eligible for new business.




$1,000 DED. TENANT CONTENTS (Mobile Home) UNPROTECTED

ACTUAL CASH VALUE

ALL TERRITORIES

COVERAGE C

AMOUNT

8,000 187

9,000 194

10,000 204

11,000 208

12,000 215

13,000 223

14,000 230

15,000 239

16,000 247

17,000 255

18,000 261

19,000 267

20,000 277

21,000 283

22,000 292

23,000 299

24,000 308

25,000 315

26,000 322

27,000 330

28,000 338

29,000 347

30,000 354

31,000 360

32,000 369

33,000 375

34,000 383

35,000 390

36,000 397

37,000 405

38,000 415

39,000 422

40,000 429

41,000 438

42,000 445

43,000 451

44,000 460

45,000 467

50,000 504

55,000 544

60,000 582

65,000 621

70,000 661

EACH ADD'L

1,000 ADD: 9

BROAD

PERILS



RATE PAGES

ANNUAL RATES PER $100 OF INSURANCE (unless indicated otherwise) $1,000 Deductible (unless indicated otherwise)

COVERAGES E & F - Farm Personal Property and COVERAGE G - Farm Barns, Buildings & Structures


Basic Broad Special

Unscheduled Farm Personal Property – Hay, Grain, Feed and Supplies ........... $ 0.64 $ --- $ --- Unscheduled Farm Personal Property - Livestock............................................... .67 --- --- Unscheduled Farm Personal Property - Machinery ............................................. .57 --- .72 Portable Grain Dryers (must be scheduled) ......................................................... 1.67 --- 1.82 Irrigation Equipment (must be scheduled) - Actual Cash Value .......................... 1.40 --- 1.55 Irrigation Equipment (must be scheduled) - Replacement Cost .......................... 1.20 --- 1.35 Grain (when scheduled) ....................................................................................... .47 --- --- Hay In Buildings# (only if scheduled) ................................................................... use applicable bldg rate Hay In The Open# (note stack limits) ................................................................... .98 --- --- Stack Limits $15,000 limit (included) Increase stack limit to $20,000 .................................................................... $100 Higher limits available – refer to home office Livestock (when scheduled) ................................................................................. .60 --- --- Borrowed/Rented/Leased Farm Machinery ($10,000 incl. for Basic Perils) ........ .60 --- .76* ($25,000 incl. if Farm Plus Endorsement purchased) ....... All Other Scheduled Farm Personal Property ...................................................... .56 --- .71 Base Building Charge - applies per building to all buildings except Dwellings, Mobile Homes, Grain Drying Bins, Steel Bins and Type 3 Barns and Other Farm Outbuildings ............................................................................................. 25.00 25.00 25.00 Private Garage (no farm shop or other farm use) ................................................ .69 .82 .86 Metal Buildings ..................................................................................................... .83 .96 1.00 Grain Drying Bins ................................................................................................. .90 1.03 1.07 Steel Bins ............................................................................................................. .97 1.10 1.14 Hoop Buildings ..................................................................................................... 1.06 --- --- Barns and Other Farm Outbuildings Type 1 (Minimum - $2,000) ............................................................................... 0.88 1.01 1.05 Type 2 (Minimum - $2,000) ............................................................................... 1.38 1.51 1.55 Type 3 All other incl. port. bldgs & other bldgs for less than $2,000 ................ 2.15 2.28 2.32 Silos Type 1 All Steel (Minimum - $5,000) ................................................................ .53 .66 .70 Type 2 Silos not qualifying for Type 1 (Minimum - $1,000) .............................. 1.20 1.33 1.37 Trailer Homes ....................................................................................................... 1.65 --- --- Contents ............................................................................................................ 1.65 --- --- Additional Dwellings ............................................................................................ 1.06 --- --- Contents ........................................................................................................... 1.06 --- --- Fences (No field or pasture fences) ..................................................................... .90 --- --- Radio and Television Equipment (Outdoor), Satellite Dish Antennas and Wind Generating Towers ........................................................................... 2.70 --- --- Private Power Poles and Outside Wiring ............................................................ 1.43 --- --- Solar Panel(s) and their components ................................................................... 0.70 0.83 ---

NOTE: When writing Unscheduled Farm Personal Property we require coverage be written at 100% of total inventory value.

#Hay In Buildings and Hay In The Open includes hay, fodder, straw and other animal bedding.

* Borrowed/Rented/Leased Farm Machinery - To write Special Form coverage, there is a $16 charge (with $1,000 deductible) to change the $10,000 automatically included coverage from Basic Form to Special Form. Apply the Special Form rate to any increase in this coverage. If the Farm Plus Endorsement is purchased, this charge is $40 to change the $25,000 coverage from Basic Form to Special Form.

PROPERTY RATES FOR A FARM FIRE POLICY MUST BE MULTIPLIED BY 1.15



RATE PAGES

ANNUAL RATES PER $100 OF INSURANCE (unless indicated otherwise) $1,000 Deductible (unless indicated otherwise)

OPTIONAL ENDORSEMENTS ALL TERRITORIES

Additional Living Costs and Loss of Rent (Tenant-Occupied Residence) ..................................... $ .42

Back Up of Sewers, Drains and Sump Systems - FP-208

REMINDER: 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.

$ 1,000 (charge per dwelling) ................................................................................................. 12.00



$10,000 (charge per dwelling) ................................................................................................. 75.00



$25,000 (charge per dwelling) ................................................................................................. 150.00 Business Property – Increased Limits .......................................................................................... 1.00

Credit Card and Depositor Forgery (Aggregate Limits shown below)

$ 2,500 .................................................................................................................................. 2.00

5,000 .................................................................................................................................. 3.00

7,500 .................................................................................................................................. 4.00

10,000 .................................................................................................................................. 5.00 Enhancement Endorsement: Farmowner Extra – CF-2104 ................................................................................................. 55.00 per policy Farmowner Premier – CF-2105 ............................................................................................. 95.00 per policy Enhanced Farm Endorsement Farm Plus CF-2064 ................................................................................................................. $100.00 per yr Farm Preferred CF-2207 ......................................................................................................... $200.00 per yr

Farm Equipment Cab Glass - NS-350

(Total number of units with cabs covered under Coverages E and F)

1-3 Units .................................................................................................................................. 35.00

4-6 Units .................................................................................................................................. 55.00

7-9 Units .................................................................................................................................. 75.00

10 Units and Over .................................................................................................................... 95.00

Farm Extra Expense - NS-355 ($2,500 provided if Farm Plus Endorsement purchased) ............. 1.80

Farm Operations Records ............................................................................................................. .18

Fire Department Service Charge - Increased Limits ...................................................................... 2.00

Guns and Gun Accessories-Increased Limits ................................................................................ 2.20 Increased Cost – Ordinance or Law Increase Total Percentage Factor 15% 25% 1.08 40% 50% 1.21 65% 75% 1.35 90% 100% 1.47 Each Additional 25% increase 0.13

Loss of Income Endorsement - CF-684 ......................................................................................... .23




RATE PAGES ANNUAL RATES PER $100 OF INSURANCE (unless indicated otherwise)

$1,000 Deductible (unless indicated otherwise)

OPTIONAL ENDORSEMENTS (Continued) ALL TERRITORIES

Mobile Homes Only

Additional Secured Party’s Interest - NS-27 ............................................................................................... 15.00 per yr

Additional Secured Party’s Interest Comp. - NS-28 - Minimum Premium $20.00 .................................. 15% of Base Prem.

Collision or Overturn Coverage NS-26 ....................................................................................................... 15.00 FLAT

Consent to Move Mobile Home - NS-25 .................................................................................................... 10.00 FLAT

Replacement Cost - Mobile Homes ............................................................................................................ 10% of Base Prem.

Money - Increased Limits .................................................................................................................................... 7.00

Motorized Vehicles - Increased Limits ............................................................................................................... .60

Personal Property

Increased (Owner-Occupied) or To Add (Non-Owner Occupied) ........................................................... .27

Decreased (Owner-Occupied) .................................................................................................................... .09 discount

Refrigerated Food Products - NS-305 (Automatically included with Farm Dwelling Plus)

$ 500 (charge per dwelling) ....................................................................................................................... 7.00

$1,000 (charge per dwelling) ....................................................................................................................... 11.00

Refrigerated Milk Products - CF-682 ................................................................................................................. 1.80

Replacement Cost - Farm Outbuildings ............................................................................................................ .11

Silverware, Goldware and Pewterware - Increased Limits ............................................................................... .55

Special Form - Personal Property - (Coverage C) - Minimum Premium $10.00

(Automatically included with Farm Dwelling Plus) ..................................................................................... .04

Sprinkler Leakage

Building.......................................................................................................................................................... .50

Contents ........................................................................................................................................................ 1.67

Theft Coverage – Residence, Farm Barn, Building, or Structure under Construction - CF-2137 (Per $1,000)

20.00

Unscheduled Jewelry, Watches and Furs - Increased Limits .......................................................................... 2.20

Winter Perils - Livestock ...................................................................................................................................... .23

LIVESTOCK CONFINEMENT - CF-660

This coverage is subject to a $1,000 deductible per occurrence.

1. Unprotected building (No approved alarm system or automatic generator) ............................................. $ .70 2. Building with approved on premises alarm system* ................................................................................... .55 3. Building with approved on premises alarm system* that also rings telephone at a minimum of one off premises location or an automatic generator ....................................................... .40 4. Building with both an approved on premises alarm system* and an automatic generator ...................... .25

MINIMUM ANNUAL PREMIUM (Retained) ........................................................................................................... $50.00

* An approved alarm is an alarm that would operate if the power fails to the confinement building regardless of whether the power goes off to the rest of the premises or not. This alarm must be loud enough to alert the insured if he/she is on the farm premises either in a building or in the yard.

The following optional higher deductible may be applied.

Deductible Factor 1,000 1.00 (Base) 1,500 0.98 2,000 0.96 2,500 0.94 5,000 0.85 10,000 0.76 25,000 0.65 REPLACEMENT COST - PERSONAL PROPERTY (Automatically included with Farm Dwelling Plus)

When Coverage A is Written 10% of Base Residence Premium $20.00 Minimum Premium When only Coverage C is Written 30% of Base Personal Property Premium $20.00 Minimum Premium
