Contents COMPANY DIRECTORY 1 WRITING TERRITORY MAP 2 HOMEOWNERS Home Security Discounts 3 Auto/Home Discounts 4 Longevity Discount 4 Claim Free Discounts 5 Surcharge Program 6 Premium Payment Options 7 General Underwriting 7 Unacceptable Risks 7 Miscellaneous Endorsements 8 Homeowners Equipment Breakdown 9 Scheduled Personal Property End 10 Homeowners HG 2 Broad Form 12 Modular/Manufactured 13 Standard Homeowners HG 3 14 Preferred Homeowners HG 3 16 Builder's Risk 18 Renters Insurance HG 4 19 MOBILE HOMES Mobile Homeowners HG 2 22 Mobile Home Owner Occupied 23 Mobile Home Tenant Occupied 24 TOWN D PERSONAL LIABILITY 27 FARMATE Home Security Discounts 29 Auto/Home Discounts 30 Longevity Discount 30 Claim Free Discounts 31 Surcharge Program 32 Premium Payment Options 33 General Underwriting 33 Unacceptable Risks 33 Miscellaneous Endorsements 34 Farm Dwellings 37 Farm Household Personal Property 38 Custom Dwellings 39
RENTERS INSURANCE (HG 4) BROAD FORM (MOBILE HOME) (RATES PER $1,000) DEDUCTIBLE $1,000 $2,500 PERSONAL PROPERTY $9.90 + $9.20 + $6,000-$10,999 $23.00 BASE $23.00 BASE PERSONAL PROPERTY $12.80 + $12.50 + $11,000-$20,000 $23.00 BASE $23.00 BASE To figure premium: use the rate per $1,000 X the coverage amount + base. Minimum Personal Property coverage: $6,000. Maximum Personal Property coverage: $20,000. Rate includes: 20% of coverage amount for Loss of Use. Coverage not permitted if mobile home has solid fuel burning appliance. Mobile Home containing covered Personal Property must meet Mobile Home underwriting requirements. RC-120 Mobile Home Questionnaire not required. Property loss settlement is actual cash value. Personal Liability (PL) is not included in the premium. The Mobile Home Renter’s Insurance Policy cannot be written without PL coverage. 01/18
FARMATE AUTO/HOME DISCOUNTS AUTO/HOME PACKAGE DISCOUNT APPLIES TO THE FOLLOWING POLICIES: Farmate Custom Dwelling w/Replacement Cost (12% Dwelling premium only) Commander (12% Dwelling premium only) GUIDELINES FOR AUTO/HOME PACKAGE DISCOUNT: The insured on the GMRC auto policy must be the named insured or additional named insured on the FarMutual policy which covers the principle residence of the insured. Discount will be added or deleted only at renewal following the initial issuance of the policy. The Property 12% discount will not apply to any policy if a Loss Control Report is issued or an endorsement that limits coverage is applicable the first year. Once the Loss Control Report is satisfactorily completed and the endorsement(s) that limits coverage is removed from the policy, the discount will be added at the next renewal. AUTO/HOME DWELLING DISCOUNT APPLIES TO THE FOLLOWING POLICIES: Commander or Custom Dwelling with replacement cost coverage (5% Dwelling premium) GUIDELINES FOR AUTO/HOME DWELLING DISCOUNT: The personal auto policy of the named insured must be written with a carrier represented by the agency of record. Current auto dec page must accompany application for discount. Current auto dec page must be provided prior to each renewal. Discount will be added or deleted only at renewal following the initial issuance of the policy. LONGEVITY DISCOUNTS FARMOWNERS LONGEVITY DISCOUNT APPLIES TO THE FOLLOWING FARMUTUAL POLICIES/PERCENTAGE OF DISCOUNT: Farm Custom Dwelling with replacement cost or Commander Dwelling insured with Heartland Mutual for three or more consecutive years (same policy #) - a longevity discount of 2% of total property premium Longevity Discount applied independently of Claims Free Longevity Discount APPLICATION: Applied at renewal following three consecutive, continuous policy years.
FARM BUILDINGS (RATES PER $1000) DEDUCTIBLE $1,000 $2,500 $5,000 “A” CLASS $3.88 $3.60 $3.50 “B” CLASS $4.53 $4.20 $4.07 “C” CLASS $6.30 $5.80 $5.51 “D” $10.67 $9.50 $8.55 “E” CLASS $46.12 $39.80 $35.82 “F” CLASS $50.73 $43.12 $38.81 GARAGE $4.88 $4.40 $4.14 To figure premium: use the rate per $1,000 X the coverage amount. “A” Class minimum coverage: $20,000. 80% of replacement cost minimum requirement. “B” Class minimum coverage: $10,000. 50% of replacement cost minimum requirement. “C” Class minimum coverage: $6,000. 40% of replacement cost minimum requirement. “D” Class minimum coverage: $1,000. 25% of replacement cost minimum requirement. “E” minimum coverage: $500. “F” Class: Underwriter use only, not available on new business. Garage minimum coverage: $3,000. 50% of replacement cost minimum requirement. Maximum age limit for “A” Class buildings: 20 years. RC-96 Farm Service Building Additional Coverage permitted on “A” and “B” Class buildings. Minimum “B” Class coverage $10,000. Maximum age limit 30 years. RC-107 Replacement cost permitted on “A” Class buildings. RC-413 Building Broadform permitted on “A” and “B” Class buildings. Minimum “B” Class coverage: $10,000. RC-135 Weight of Ice, Snow or Sleet permitted on “A,” “B” and “C” Class buildings. Estimator required for all “A,” “B” and “C” buildings. Farm Buildings only policies will be issued if the Farm Buildings are the only insurable risk(s) on the premises. See Farm Buildings Underwriting Guidelines for additional information. 01/18