HOMEOWNERS MN MANUAL DIRECTORY - North Star Mutual ...HOMEOWNERS POLICY PROGRAM The Inflation Guard Provision is mandatory in the North Star Homeowners Program. PROPERTY COVERAGES

Minnesota New Business 04-01-20 North Star Mutual Ins. Co. Renewals 04-01-20

HOMEOWNERS

TABLE OF CONTENTS

ITEM NSHO PAGE

Actual Cash Value Loss Settlement - Windstorm or Hail Losses to All Exterior Surfaces ................ 10 Actual Cash Value Loss Settlement - Windstorm or Hail Losses to Roofs ........................................ 9 Actual Cash Value Policies ................................................................................................................ 10 Additional Insured .............................................................................................................................. 20 & 29 Babysitting .......................................................................................................................................... 26 Back Up of Sewers, Drains and Sump Systems ................................................................................ 21 Billing Procedures .............................................................................................................................. 5 Business Activities ............................................................................................................................. 27 Calculation of Premium ...................................................................................................................... 5 Common Loss Deductible .................................................................................................................. 11 Companion Policy Discount ............................................................................................................... 16 Coverage A - Increased Limit - Form NS-6 ........................................................................................ 23 Coverages Property Coverage Section ......................................................................................................... 1 Liability Coverage Section ........................................................................................................... 1 Deductibles, Explanation of................................................................................................................ 10 & 11 Earthquake Coverage ........................................................................................................................ 22 Eligibility ............................................................................................................................................. 2 Enhancement Endorsements ............................................................................................................. 21 Expanded Replacement Cost Coverage - Coverage A ..................................................................... 9 Farm Liability Coverage Additional Insured ........................................................................................................................ 29 & 20 Base and Additional Charges ...................................................................................................... 29 Damage to Property of Others ..................................................................................................... 29 Employer's Liability ...................................................................................................................... 29 Horses ......................................................................................................................................... 29 & 28 Personal Injury ............................................................................................................................. 29 Fire Protection Definitions .................................................................................................................. 4 Higher Limits On Certain Property - Business Property........................................................................................................................ 22 Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery, And Counterfeit Money ..................................................................................................................................... 22 Fire Department Service Charge ................................................................................................. 22 Guns and Gun Accessories ......................................................................................................... 23 Money .......................................................................................................................................... 23 Motorized Vehicles ...................................................................................................................... 24 Silverware, Goldware, Platinumware and Pewterware ............................................................... 24 Unscheduled Jewelry, Watches and Furs ................................................................................... 24 Homeowners Policy Forms ................................................................................................................ 5 Homeowners Policy Program............................................................................................................. 1 Horses ................................................................................................................................................ 28 & 29 Identity Theft Protection ..................................................................................................................... 18 Inboard, In/Outboard Motor Boats, Sailboats and Personal Watercraft Liability ............................... 27 Incidental Office ................................................................................................................................. 25 Increased Limits or Additional Residence Premises .......................................................................... 25 Inland Marine Coverages ................................................................................................................... 30 Installed Equipment Breakdown Coverage ........................................................................................ 19 Insurance Score ................................................................................................................................. 12 Location of Risk Modifiers (LORM) .................................................................................................... 4 Loss Assessment/Association Deductible - Described Location ....................................................... 23

MN MANUAL

DIRECTORY

Minnesota New Business 04-01-20 North Star Mutual Ins. Co. Renewals 04-01-20

HOMEOWNERS

TABLE OF CONTENTS CONTINUED

ITEM NSHO PAGE

Mandatory Coverages ........................................................................................................................ 2 Mature Homeowners Discount ........................................................................................................... 16 Metal Roof Discount ........................................................................................................................... 14 Modified Replacement Cost - Residence and Related Private Structures ........................................ 9 New/Upgraded Home Component Discount ...................................................................................... 15 Optional Coverages - Liability ............................................................................................................ 25-27 Optional Coverages - Property........................................................................................................... 19-24 Ordinance or Law ............................................................................................................................... 13 Outboard Motors Liability ................................................................................................................... 26 Personal Injury ................................................................................................................................... 26 Personal Property - Increase or Decrease ......................................................................................... 10 Policy Term ........................................................................................................................................ 4 Premium Charts, Explanation of ........................................................................................................ 4 Premium Discounts for Protective Devices ........................................................................................ 15 Protected Subdivision Discount ......................................................................................................... 15

Rate Pages - Base Premium Charts Form NS-1, Form NS-2, Form NS-3 - TERR. 1 ........................................................................... 6 Form NS-4 - TERR. 1, 2, 3, and 4 ............................................................................................... 7 Form NS-6 - TERR. 1, 2, 3, and 4 ............................................................................................... 8

Rating Territories and Location of Risk Modifiers (LORM) ................................................................ 4 Recreational Vehicles Liability ........................................................................................................... 30 Refrigerated Food Spoilage ............................................................................................................... 24 Related Private Structures ................................................................................................................. 19-20 Replacement Cost Loss Settlement Terms – Personal Property ...................................................... 17 Roof Surface Replacement Cost Factor ............................................................................................ 14 Secondary Location ........................................................................................................................... 10 Special Form - Coverage C - Personal Property ............................................................................... 20 Special Form - Unit-Owners - Form NS-6 .......................................................................................... 23 Standard Limits .................................................................................................................................. 2 Theft Coverage - Residence Under Construction .............................................................................. 21 Townhouses ....................................................................................................................................... 16 Underground Service Line Coverage ................................................................................................. 19 Underwriting Requirements ................................................................................................................ 3-4 Underwriting Rules for Recreational Vehicles and Watercraft ........................................................... 31 Valued Customer Discount ................................................................................................................ 16 Wood Shingle Surcharge ................................................................................................................... 16 Woodburning/Solid Fuel Surcharge ................................................................................................... 17

Minnesota New Business 05-15-15

North Star Mutual Ins. Co. NSHO – 1 Renewals 05-15-15

HOMEOWNERS POLICY PROGRAM

The Inflation Guard Provision is mandatory in the North Star Homeowners Program. PROPERTY COVERAGES will automatically be periodically updated based on changing dwelling construction cost factors. The residence must be insured to at least 90% of Replacement Cost, the application must be completed and a photograph of the residence attached. To be assured that the insured meets policy conditions, it is recommended that all residences be insured to 100% of Replacement Cost.

If at the time of a loss the replacement cost of all related private structures is less than the limit shown for Coverage B, the amount in excess thereof in Coverage B shall be added to the limit for Coverage A. In the event there are no related private structures, the limit shown for Coverage B shall be added to the limit for Coverage A. The application of this provision does not increase the limit for Coverage C.

COVERAGES

The Homeowners policy provides property and liability coverages using the forms as follows:

PROPERTY COVERAGE SECTION

NS-1 - Basic Form. Residence may be written Replacement Cost or Actual Cash Value. Covers residence, private structures, personal property and additional living costs against loss by:

Fire or Lightning Sudden & Accidental Damage from Smoke Windstorm or Hail Vandalism or Malicious Mischief Explosion Glass Breakage Riot or Civil Commotion Sinkhole Collapse Theft Volcanic Eruption Vehicles or Aircraft

NS-2 - Broad Form. Residence written Replacement Cost. Covers residence, private structures, personal property and additional living costs against loss by:

All the perils listed for NS-1, plus: Falling Objects Accidental discharge or overflow of liquids or steam Weight of ice, snow or sleet Freezing of a plumbing, heating or air conditioning system Collapse of a building or part of a building or domestic appliance Sudden and accidental tearing apart, cracking, Sudden and accidental damage from artificially generated burning or bulging of a heat or air conditioning electrical currents system or water heater

NS-3 - Special Form. Residence written Replacement Cost. Covers residence, private structures and any resulting additional living costs against risks of direct physical loss unless the loss is excluded. Personal property and any resulting additional living costs are covered for the same perils as provided in NS-2.

NS-4 - Contents Broad Form. For renters of a dwelling or apartment. Covers personal property, including the insured's interest in building improvements and betterments, and any resulting additional living costs, against loss by the same perils as provided in NS-2.

NS-6 - Unit-Owners Broad Form. For the owner-occupants of a condominium or cooperative unit. Covers personal property, including the fixtures, alterations, additions, and appliances that are part of the condominium or cooperative unit, structures owned solely by the insured, other property that is the insured's insurance responsibility under an agreement with an association or corporation of property owners, and any resulting additional living costs, against loss by the same perils as provided in NS-2.

LIABILITY COVERAGE SECTION

ALL FORMS:

1. Personal Liability - Covers payment on behalf of the insured of all sums which he/she shall become legally obligated to pay as damages because of bodily injury or property damage caused by an occurrence arising out of his/her premises or personal activities.

2. Medical Payments - Covers medical expenses incurred by persons, other than the insured, who sustain bodily injury caused by an accident arising out of the insured’s premises or personal activities.

http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/NS-1%209-09.pdf







STANDARD LIMITS

Following are the standard limits under the Homeowners Policy:

Coverage NS-1 NS-2 or NS-3 NS-4 NS-6

A. Residence - Minimum Amount $45,0001 $60,000 (NS-2)1 N/A 10%4 of limit on $70,000 (NS-3) personal property

B. Related Private Structures 10% of limit 10% of limit N/A N/A on residence on residence

C. Personal Property 60%2 of limit 60%2 of limit $8,000 minimum $8,000 minimum

D. Additional Living Costs Actual Loss Sustained in 12 Months for ALL FORMS

L. Personal Liability $100,000 Each Occurrence for ALL FORMS3

M. Medical Payments to Others $1,000 Each Person for ALL FORMS3

1. $70,000 for residence occupied by 3 or 4 families. 2. 30% for residence occupied by 3 or 4 families. 3. Optional limits are available. See liability coverage section. 4. On NS-6, Coverage A covers the fixtures, alterations, and appliances that are part of the condominium or cooperative unit, structures

owned solely by the insured, and other property that is the insured's insurance responsibility under an agreement with an association or corporation of property owners.

ELIGIBILITY

A Homeowners Policy Form NS-1, NS-2 & NS-3 may be issued:

1. to an owner-occupant of a dwelling which is used exclusively for private residential purposes and contains not more than 4 families and with not more than 2 boarders or roomers per family; or

2. 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.

A Homeowners Policy Form NS-4 may be issued to:

1. the tenant (non-owner) of a dwelling or an apartment situated in any building provided that: a. the dwelling, apartment or unit occupied by the tenant is used only for residential purposes; b. no more than 4 individuals are insured under 1 policy; and c. each individual is named as an insured on the declarations. (NOTE: Tenant Homeowner coverage is not available for students unless the student is older, married, employed or we have supporting coverage for the parents); or

2. the owner-occupant of a dwelling or of a building containing an apartment who is not otherwise eligible for a Homeowners policy.

A Homeowners Policy Form NS-6 may be issued to an owner-occupant of a condominium or cooperative unit used only for residential purposes.

MANDATORY COVERAGES

It is mandatory that insurance be written for all coverages provided under both the Property Coverage and the Liability Coverage Sections of the Homeowners Policy.

The Liability Coverage Section of the policy requires coverage for the following exposures and the additional premium developed from the Premium Charts must be charged when such exposures exist:

1. ALL additional residence premises where the Named Insured or spouse maintain a residence other than business or farm property;

2. ALL residence employees of the Named Insured or spouse not covered or not required to be covered by Worker’s Compensation Insurance (charges required for residence employees in excess of 2); and

3. Incidental office, professional, private school or studio use by the insured on residential premises of the insured.



UNDERWRITING REQUIREMENTS

1. A completed Homeowners application must be submitted along with at least two recent photos of the property (front and rear). Photos of all structures on the premises should be submitted for review. Use the MSB/RCT Software program and attach the RCT printout.

2. For 1 and 2 Family Dwellings, with the exception of seasonal risks, the minimum limits available for NS-1 shall be $45,000, $60,000 for NS-2 and $70,000 for NS-3. Minimum limit for a 1 or 2 family seasonal is $25,000 with supporting coverage.

3. For 3 and 4 Family Dwellings, with the exception of seasonal risks, the minimum limits available for NS-1, NS-2 & NS-3 shall be $70,000. Minimum limit for 3 or 4 family seasonal is $25,000 with supporting coverage.

4. Coverage must be written from 90% to 100% of the REPLACEMENT COST of the dwelling. The only exceptions to this would be by using NS-1 on an Actual Cash Value basis or, for dwellings where the amount of insurance is less than 90% of the replacement cost of the dwelling, by using the endorsement HO 4856 found on page NSHO-9. Unlike a policy written on Actual Cash Value where losses are depreciated, this endorsement offers replacement cost on partial losses.

5. Maximum limits available for dwelling are $1,000,000 if Protected, $800,000 if Partially Protected, and $750,000 if Unprotected. Maximum limit available for dwellings that qualify for the Protected Subdivision Discount is $800,000.

6. Farm Liability is required when: a. there are more than 40 acres; b. the insured has farming operations; or c. there are horses or other livestock. 7. 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 are not

acceptable. All woodburning or solid fuel equipment 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 Homeowners application is submitted for property having woodburning or solid fuel equipment,

the CF-624 Solid Fuel Questionnaire must be completed and attached to the application. g. All stoves and chimneys must be UL approved. 8. Following is a list of Homeowners risks not to be bound and generally will not be written:

a. Property which is in 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. 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 20 years (Roof surfaces that are 15 years old or older may not be insured

for replacement cost coverage.) e. Risks with older wood roofs, clay tile roofs or risks with asbestos slate roofs or siding. f. Dwelling risks which were not originally designed for dwelling purposes. (e.g., a mercantile building

converted to a dwelling.) g. TRAILER HOMES, MOBILE HOMES, DOUBLE WIDE MOBILE HOMES, CONVERTED MOBILE HOMES

OR HOUSE TRAILERS whether permanently located with attached leans or not. (Mobile Homes may be written on our Mobile Homeowners Program or on a Dwelling Fire Policy.)

h. Risks where insureds have a history of financial instability within the last 5 years.

i. Hobby farms or any risk formerly occupied as FARM PROPERTY on which any former farm buildings still exist. j. Homes with more than 2 related private structures or with a related private structure larger than 1,600

square feet. k. Dwellings without a central heating system (other than all-electric homes). l. Unusual risks including basement homes, log homes, earth homes, dome homes, and homes with flat roofs.



UNDERWRITING REQUIREMENTS (Continued)

m. Risks with wild animals or pets that show aggressive or vicious tendencies. n. 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.

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

p. Wall Furnaces that are unvented. (They create problems due to fumes they generate.) 9. Seasonal dwellings will be considered, however, we should be writing the primary dwelling if possible or the

dwelling needs to be a year round home and occupied at least 6 months of the year.

POLICY TERM

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

PREMIUM CHARTS

All premium charts are set up on an annual premium basis.

RATING TERRITORIES AND LOCATION OF RISK MODIFIERS (LORM)

TERR DESCRIPTION LORM

NS-1, NS-2, NS-3 NS-4 & NS-6

TERR. 1 Remainder of State 1.00 1.00

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

1.25 1.00

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

1.00 1.00

TERR. 4 Cities of Duluth, Hermantown and Proctor 1.07 1.05

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

1.01 1.09

TERR. 6 Cities of Minneapolis & St. Paul 1.75 1.20

FIRE PROTECTION DEFINITIONS

The following 3 fire protection definitions will apply:

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

2. Partially Protected: Residence is located over 1,000 feet from a fire hydrant, but is within 5 road miles of a responding fire department.

3. Unprotected: All others.

Dwellings normally rated as partially protected may be eligible for a Protected Subdivision Discount - see requirements on page NSHO-14.



HOMEOWNERS POLICY FORMS

The General Policy Terms, a perils section and liability coverage section are issued with every policy. When assembled, the policy must be made up of the following parts:

Policy Jacket Declarations General Policy Terms, A Perils Section and Liability Coverage Section ............... NS-1, NS-2, NS-3, NS-4, or NS-6 Minnesota Amendatory Endorsement ............................................................................................................ NS-81H Other forms and/or endorsements may be attached depending on optional coverages purchased.

BILLING PROCEDURES

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

CALCULATION OF PREMIUM

Step 1 - Determine the Base Premium based on Form, Territory, Protection Class, and the amount of Coverage A or Coverage C, as applicable.

Step 2 - Apply applicable Location of Risk Modifier from page NSHO-4 to the rate determined in Step 1.

Step 3 - For forms NS-1, NS-2 and NS-3 apply Masonry Construction Discount, if applicable, to premium determined in Step 2.

Step 4 - If applicable, adjust the premium determined in Step 3 to reflect lower medical payment limit and/or liability limit.

Step 5 - When Modified Replacement Cost is desired, apply the appropriate factor to the premium determined in Step 4.

Step 6 - When Expanded Replacement Cost is desired, apply the appropriate factor to the premium determined in Step 5.

Step 7 - If Coverage B limit is written for less than 10% of Coverage A, then subtract the premium for the lower limit.

Step 8 - Apply Roof Surface Replacement Cost Factor, if applicable, to the premium determined in Step 7.

Step 9 - When Metal Roof Discount is desired, apply the appropriate factor to the premium determined in Step 8.

Step 10 - If writing Actual Cash Value Loss Settlement - Windstorm or Hail Losses to Roofs, Actual Cash Value Loss Settlement - Windstorm or Hail Losses to All Exterior Surfaces, a form NS-1 with Actual Cash Value loss settlement, a form NS-4 with a commercial occupancy in the building, or a form NS-6 with a commercial occupancy in the building, apply the appropriate factor to the premium determined in Step 9.

Step 11 - If rating a seasonal or secondary residence issued in conjunction with the primary residence, add the liability charge for an Additional Residence Premises Occupied by Insured and subtract the duplicate liability discount.

Step 12 - For forms NS-1, NS-2 and NS-3 to increase or decrease Coverage C, add or subtract the appropriate amount to the premium determined in Step 11.

Step 13 - Modify the amount determined in Step 12 to reflect the selection of a deductible option. (The Base Deductible for forms NS-1, NS-2 and NS-3 is $1,000. The Base Deductible for forms NS-4 and NS-6 is $500.)

Step 14 - Modify the amount determined in Step 13 for all percentage discounts or charges. Discounts or charges should be multiplied consecutively in the following order: Protected Subdivision Discount, New/Upgraded Home Discount, Protective Device Discount, Mature Homeowners Discount, Companion Policy Discount, Wood Roof Surcharge, Townhouses. Discounts or charges should not be added together.

Step 15 - When Replacement Value on personal property is purchased, the premium is determined by applying the appropriate percentage charge to the premium determined in Step 14.

Step 16 - If a form NS-6 and increasing Coverage A, add the appropriate amount (modified to reflect the selection of a deductible option) to the premium determined in Step 15.

Step 17 - Add the additional premium for all other mandatory or optional Property Coverages and all other mandatory or optional Liability Coverages.

Step 18 - Apply the applicable Valued Customer Discount factor to the total policy premium.

Step 19 - Apply the applicable Insurance Score factor to the total policy premium.



RATE PAGES – STANDARD HOMEOWNERS BASE PREMIUMS

(Refer to page NSHO-4 for Location of Risk Modifiers for each territory)

$1,000 FLAT DEDUCTIBLE APPLICABLE (ALL PERILS) FRAME

PREMIUM INCLUDES $100,000 LIABILITY AND $1,000 MEDICAL PAYMENTS

TERRITORY 1 FRAME


COV. A ** ** **

AMOUNT NS-1 NS-2 NS-3 NS-1 NS-2 NS-3 NS-1 NS-2 NS-3

40,000 554 584 * 615 * 645 * 680 * 716 * 770 * 812 * 855 *50,000 562 593 * 624 * 655 691 * 727 * 781 824 * 867 *60,000 570 601 633 * 664 700 737 * 792 835 880 *70,000 578 610 642 673 711 748 803 848 89280,000 586 618 651 683 720 758 815 859 90590,000 601 635 668 700 740 778 835 883 929

100,000 617 652 686 719 760 799 858 906 954110,000 647 683 719 754 796 838 899 949 999120,000 679 716 754 791 834 878 944 995 1,048130,000 710 750 789 827 874 919 987 1,043 1,097140,000 744 786 827 867 916 963 1,034 1,093 1,150150,000 779 822 865 908 958 1,008 1,083 1,143 1,202160,000 813 858 903 947 1,000 1,052 1,130 1,193 1,255170,000 847 894 941 987 1,042 1,096 1,177 1,243 1,308180,000 881 930 979 1,026 1,083 1,141 1,225 1,293 1,361190,000 915 966 1,017 1,066 1,125 1,185 1,272 1,343 1,414200,000 955 1,008 1,061 1,113 1,174 1,236 1,327 1,401 1,475210,000 994 1,049 1,104 1,158 1,222 1,286 1,382 1,458 1,535220,000 1,033 1,091 1,148 1,203 1,271 1,337 1,436 1,516 1,596230,000 1,072 1,131 1,191 1,249 1,318 1,388 1,490 1,572 1,655240,000 1,112 1,174 1,236 1,295 1,368 1,440 1,546 1,632 1,718250,000 1,152 1,216 1,280 1,342 1,417 1,491 1,601 1,690 1,779260,000 1,198 1,264 1,331 1,396 1,473 1,551 1,665 1,757 1,850270,000 1,241 1,310 1,379 1,446 1,526 1,607 1,725 1,821 1,917280,000 1,286 1,358 1,429 1,498 1,582 1,665 1,788 1,888 1,986290,000 1,328 1,401 1,475 1,547 1,632 1,718 1,846 1,947 2,050300,000 1,372 1,448 1,524 1,598 1,687 1,775 1,907 2,013 2,118310,000 1,426 1,505 1,584 1,661 1,753 1,845 1,982 2,092 2,202320,000 1,481 1,564 1,646 1,725 1,822 1,918 2,059 2,174 2,288330,000 1,537 1,623 1,708 1,791 1,891 1,990 2,136 2,256 2,374340,000 1,591 1,680 1,768 1,854 1,957 2,060 2,211 2,335 2,458350,000 1,646 1,738 1,829 1,918 2,025 2,131 2,288 2,416 2,542360,000 1,701 1,796 1,890 1,982 2,092 2,202 2,364 2,496 2,627370,000 1,756 1,853 1,951 2,046 2,159 2,273 2,441 2,576 2,712380,000 1,812 1,912 2,013 2,111 2,227 2,345 2,519 2,658 2,798390,000 1,867 1,970 2,074 2,175 2,295 2,416 2,595 2,738 2,883400,000 1,922 2,028 2,135 2,239 2,363 2,487 2,672 2,819 2,968410,000 1,976 2,086 2,196 2,302 2,430 2,558 2,747 2,900 3,052420,000 2,031 2,144 2,257 2,366 2,498 2,629 2,823 2,980 3,137430,000 2,087 2,203 2,319 2,431 2,566 2,702 2,901 3,062 3,223440,000 2,142 2,261 2,380 2,495 2,634 2,773 2,977 3,143 3,308450,000 2,198 2,320 2,442 2,561 2,703 2,845 3,055 3,225 3,394460,000 2,253 2,378 2,503 2,625 2,770 2,916 3,132 3,305 3,479470,000 2,308 2,436 2,564 2,689 2,838 2,987 3,208 3,386 3,564480,000 2,363 2,495 2,626 2,753 2,907 3,059 3,285 3,468 3,650490,000 2,418 2,553 2,687 2,817 2,974 3,130 3,361 3,549 3,735500,000 2,473 2,611 2,748 2,881 3,042 3,201 3,437 3,629 3,820

EACH ADD'L5,000 ADD: 29 30 32 34 35 37 40 42 44

* For Secondary Residence Only **NS-1 without Replacement Cost - Increase premium by 35%.For Masonry Contruction, decrease base policy premium by 10%.

PROTECTED PARTIALLY PROTECTED UNPROTECTED





NS-4 - CONTENTS BROAD FORM (For Tenant(s) (Non-owner) of a Dwelling or Apartment)

$500 FLAT DEDUCTIBLE APPLICABLE (ALL PERILS)


Territory 1

Refer to page NSHO-4 for Location of Risk Modifiers for each territory.

The rates shown below apply to contents in a rental unit that are located in a dwelling/condo or any size apartment building. If there is a commercial exposure in the same building as the rental unit, apply the modification factor of 1.35 times thepremium shown below. If 2-4 unrelated parties occupy the same location, an additional charge for each of $26.00 applies.

Coverage C Partially

Amount Protected Protected Unprotected

8,000 89 107 125

9,000 90 108 126

10,000 91 109 127

11,000 93 112 130

12,000 95 114 133

13,000 96 115 134

14,000 98 118 137

15,000 99 119 139

16,000 100 120 140

17,000 102 122 143

18,000 104 125 146

19,000 106 127 148

20,000 107 128 150

21,000 109 131 153

22,000 112 134 157

23,000 114 137 160

24,000 117 140 164

25,000 119 143 167

26,000 121 145 169

27,000 123 148 172

28,000 126 151 176

29,000 128 154 179

30,000 130 156 182

31,000 132 158 185

32,000 135 162 189

33,000 137 164 192

34,000 140 168 196

35,000 142 170 199

36,000 144 173 202

37,000 147 176 206

38,000 149 179 209

39,000 152 182 213

40,000 154 185 216

41,000 156 187 218

42,000 159 191 223

43,000 161 193 225

44,000 164 197 230

45,000 166 199 232

50,000 178 214 249

55,000 190 228 266

60,000 202 242 283

65,000 216 259 302

70,000 231 277 323

75,000 246 295 344

Each Add'l

1,000 Add: 4 5 6





NS-6 - CONTENTS BROAD FORM (For Owner Occupied Condominiums or Cooperative Units)

$500 FLAT DEDUCTIBLE APPLICABLE (ALL PERILS)


TERRITORY 1

Refer to page NSHO-4 for Location of Risk Modifiers for each territory.

The rates shown below apply to contents in an owner occupied condominium or co-operative unit. If there is acommercial exposure in the same building, apply the modification factor of 1.35 times the premium shown below.

Coverage C Partially

Amount Protected Protected Unprotected

8,000 80 96 113

9,000 81 97 113

10,000 82 98 114

11,000 84 101 117

12,000 86 103 120

13,000 86 104 121

14,000 88 106 123

15,000 89 107 125

16,000 90 108 126

17,000 92 110 129

18,000 94 113 131

19,000 95 114 133

20,000 96 115 135

21,000 98 118 138

22,000 101 121 141

23,000 103 123 144

24,000 105 126 148

25,000 107 129 150

26,000 109 131 152

27,000 111 133 155

28,000 113 136 158

29,000 115 139 161

30,000 117 140 164

31,000 119 142 167

32,000 122 146 170

33,000 123 148 173

34,000 126 151 176

35,000 128 153 179

36,000 130 156 182

37,000 132 158 185

38,000 134 161 188

39,000 137 164 192

40,000 139 167 194

41,000 140 168 196

42,000 143 172 201

43,000 145 174 203

44,000 148 177 207

45,000 149 179 209

50,000 160 193 224

55,000 171 205 239

60,000 182 218 255

65,000 194 233 272

70,000 208 249 291

75,000 221 266 310

Each Add'l

1,000 Add: 4 5 5


North Star Mutual Ins. Co. NSHO –9 Renewals 05-15-15

EXPANDED REPLACEMENT COST COVERAGE - COVERAGE A - CF-1792 (Policy Form NS-3)

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

1. The dwelling must be insured for 100% of Replacement Cost as determined by the Marshall & Swift/Boeckh (RCT) Program. A current updated MS/B computation printout must accompany the request for Increased 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 insured must notify the Company of a new building valued at $5,000 or more, or any additions, remodeling or other physical changes which increase 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 base premium by a factor of 1.02.

MODIFIED REPLACEMENT COST - RESIDENCE AND RELATED PRIVATE STRUCTURES - HO 4856

The standard Homeowners 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

ACTUAL CASH VALUE LOSS SETTLEMENT - WINDSTORM OR HAIL LOSSES TO ROOFS - CF-1545 (Policy Forms NS-1, NS-2 and NS-3)

The policy provides settlement for building losses on a repair or replacement cost basis, subject to certain conditions. The policy may be endorsed to provide loss settlement exclusively on an Actual Cash Value basis for roofs when damage is caused by the peril of Windstorm or Hail. To develop the premium for this option, multiply the base premium by a factor of .95.

http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/CF-1792%209-09.pdf

http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/HO%204856%2001-06.pdf

http://northstarmutual.com/UserFiles/Documents/forms/policyforms/Current/CF-1545%2007-15.pdf



ACTUAL CASH VALUE LOSS SETTLEMENT - WINDSTORM OR HAIL LOSSES TO ALL EXTERIOR SURFACES - CF-1738 (Policy Forms NS-1, NS-2 and NS-3) The policy provides settlement for building losses on a repair or replacement cost basis, subject to certain conditions. The policy may be endorsed to provide loss settlement exclusively on an Actual Cash Value basis for roofs, exterior walls and other exterior surfaces when damage is caused by the peril of Windstorm or Hail. To develop the premium for this option, multiply the base premium by a factor of .90.

ACTUAL CASH VALUE POLICIES On older homes where Replacement Cost cannot be met, it is recommended that NS-1 (Basic Form) be written on an Actual Cash Value basis. NS-1 may be written with or without Replacement Cost Coverage. Refer to Premium Charts for additional premiums.

SECONDARY LOCATION

A secondary location owned and occupied by the insured and located in the same state as the primary location may be insured by attaching NS-6267. Minimum limit for Coverage A is $25,000. The same form and deductible must be used for both the primary and secondary locations.

Use the Base Policy Premium Charts for computing the base secondary location premium. To this must be added the liability charge for an ADDITIONAL RESIDENCE PREMISES OCCUPIED. When issued in conjunction with the primary location deduct $26.00 for duplicate Personal Liability coverage.

PERSONAL PROPERTY - INCREASE OR DECREASE INCREASE - The limit for Coverage C under NS-1, NS-2 or NS-3 may be increased at an annual rate of $2 per

$1,000 of increase.

DECREASE - An applicant may specify the dollar amount of coverage applying to Coverage C Personal Property for NS-1, NS-2 and NS-3. We do not recommend that Coverage C be reduced because of the need for adequate coverage. (Most total and many partial losses reveal that an insured is underinsured for personal property). However, if Coverage C is reduced, apply a credit of $1 per $1,000 of decrease subject to a $20 maximum credit. NOTE: When Replacement Value (CF-55) or Incidental Office (NS-3542) is written, Coverage C cannot be reduced to less than 60% of Coverage A.

DEDUCTIBLES

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

1. Premium from Base Premium Charts; and 2. Premium for the Related Private Structures optional endorsements and for amended limits for Coverage C (NS-

1, NS-2, NS-3 only).

Deductible Factor

NS-1, NS-2, NS-3 NS-4, NS-6

$100 Flat 1.50 1.40

$100 AOP / $500 Wind/Hail 1.30 1.32

$100 AOP - $1,000 Wind/Hail 1.20 1.24

$250 Flat 1.30 1.15

$250 AOP / $500 Wind/Hail 1.25 1.10

$250 AOP / $1,000 Wind/Hail 1.10 1.05

$500 Flat 1.10 1.00 (Base)

$500 AOP / $1,000 Wind/Hail 1.05 0.97

$500 AOP / $2,000 Wind/Hail 0.96 0.93

$1,000 Flat 1.00 (Base) 0.90

$1,000 AOP / $2,000 Wind/Hail 0.94 0.85

$1,500 Flat 0.96 0.87

$2,000 Flat 0.92 0.83

$2,500 Flat 0.88 0.80

$5,000 Flat 0.76 0.70

$10,000 Flat 0.65 0.60




COMMON LOSS DEDUCTIBLE – CF-2162

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.

The applicable North Star Mutual policies to which this provision applies are:

1. Homeowners; 2. Personal Automobile; 3. Commercial Automobile (applies only to vehicles indicated on the Commercial Automobile declarations as

“Farm Use”); 4. Combination Package Policy (North Star Mutual covered perils only); 5. Combination Dwelling Owners (North Star Mutual covered perils only); 6. Mobile-Homeowners; and 7. Inland Marine.

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.

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



INSURANCE SCORE

A rating factor from the table below will be applied to the total policy premium based on the insurance score of a named insured. The insurance score, from LexisNexis, is developed from credit related information including types of accounts, balance, dates opened, and account activity, plus public records items such as judgments and liens and inquiries initiated by the insured.

Insurance Score Rating Factor Insurance Score Rating Factor

Below 350 1.50 690-699 0.93

350-359 1.50 700-709 0.92

360-369 1.50 710-719 0.90

370-379 1.50 720-729 0.88

380-389 1.50 730-739 0.86 390-399 1.50 740-749 0.85 400-409 1.48 750-759 0.84

410-419 1.46 760-769 0.83 420-429 1.44 770-779 0.82

430-439 1.42 780-789 0.81

440-449 1.40 790-799 0.80 450-459 1.38 800-809 0.78 460-469 1.36 810-819 0.77 470-479 1.34 820-829 0.76 480-489 1.32 830-839 0.75 490-499 1.30 840-849 0.74 500-509 1.28 850-859 0.72 510-519 1.26 860-869 0.71 520-529 1.24 870-879 0.70 530-539 1.22 880-889 0.69 540-549 1.20 890-899 0.68 550-559 1.18 900-909 0.67 560-569 1.16 910-919 0.66 570-579 1.14 920-929 0.65 580-589 1.12 930-939 0.65 590-599 1.09 940-949 0.65 600-609 1.06 950-959 0.65 610-619 1.03 960-969 0.65 620-629 1.00 970-979 0.65 630-639 0.99 980-989 0.65 640-649 0.98 990-997 0.65 650-659 0.97 998 (No Hits) 0.75

660-669 0.96 999 (No Score) 0.75

670-679 0.95 Neutral 0.95

680-689 0.94

Application of the Insurance Score

1. The insurance score will be applied to all new business and to existing policies at renewal. 2. A statement to indicate an insurance score has been used will be shown on the policy Declaration when an

insurance score is used. 3. The insurance score used, including No Hits and No Score, will apply for a minimum of 12 months except in cases

where corrections have been made for errors in the insured’s credit history file with the national credit bureaus. A higher score obtained in this process will be applied back to the beginning of the current policy term.

4. The insurance score will be ordered every 3 years, unless an insured requests it at the time of a renewal. However, we do not need to obtain the updated insurance score more frequently than once in a 12-month period.

5. A No Hits or No Score will continue to apply to a policy except in cases where an insurance score is obtained from a national credit bureau. If an insurance score is returned, it will apply.

6. In order to comply with statute, a Neutral score from LexisNexis indicates that the insured’s credit report has been influenced negatively by an extenuating life circumstance such as catastrophic injury or illness, temporary loss of employment or the death of an immediate family member.

7. On or after May 15, 2015, if the insurance score drops at the 3-year review, the amount of increase to the insurance score factor is limited to 0.04 per policy period.



ORDINANCE OR LAW

The policy provides coverage for the increased cost which results from the enforcement of a code, ordinance, or law which regulates the use, construction, repair, demolition, or removal of property following a covered loss. If the covered loss plus the increased cost is more than the applicable limit, an extra 10% of the applicable limit (Coverage A limit under NS-1, NS-2, NS-3 and NS-6; Tenants Improvements limit under NS-4) is available to cover the increased cost. This 10% limit may be increased as follows:

*NS-1, NS-2 & Increase Total Percentage NS-3 Factor **NS-4 Factor **NS-6 Factor

15% 25% 1.08 NA NA 40% 50% 1.21 NA 1.03 65% 75% 1.35 NA 1.04 90% 100% 1.47 1.05 1.05 Each Additional 25% Increment 0.13 0.02 0.02

*NS-1, NS-2 and NS-3 factors are applied to Coverage A rating. **NS-4 and NS-6 factors are applied to Coverage C rating since the Tenants Improvements limit under NS-4 and the Coverage A limit under NS-6 are both figured as 10% of the Coverage C limit.



ROOF SURFACE REPLACEMENT COST FACTOR

As roof surfaces age they become more susceptible to damage by windstorm and hail. To maintain replacement cost coverage, a charge will be made on dwellings with asphalt shingles or Class 4 impact resistant roof surfaces 16 years old and older. The charge also applies to increased limits of Coverage B (HO 3048). For steel or asphalt roofs under 5 years old or Class 4 impact resistant roof surfaces under 14 years old, a credit will be applied. No combinations of discounts will be allowed. Asphalt or Steel roofs cannot also qualify for the class 4 discount.

Impact resistant roof surfaces include any non-wood material earning an impact rating of Class 4 per Underwriters Laboratory (UL) Standard 2218. To qualify for the discount, the impact resistant roof surface must cover the entire roof surface, be installed according to the manufacturer’s specifications, and not be overlaid onto an existing roof. The insured must provide documentation showing the type of roof surface, the date of installation, and the UL Class Rating.

The roof surface age is determined by the difference between the current calendar year and the year the roof surface was installed. For example, calendar year is 2012 and the roof surface was installed in 1995, the roof surface age would be 17 years. When a dwelling has multiple roof surface ages the oldest roof surface age will be used to determine the level of charge.

This factor is not applicable when Actual Cash Value Loss Settlement – Windstorm or Hail Losses to Roofs (CF-1545), Actual Cash Value Loss Settlement – Windstorm or Hail Losses to All Exterior Surfaces (CF-1738), or Cosmetic Damage Exclusion (CF-2051) applies.

Roof Surface Age Asphalt Steel Class 4

New .................................. 0.95 ........................ 0.95 ......................... 0.93 1 Year ............................... 0.96 ........................ 0.96 ......................... 0.93 2 Years ............................. 0.97 ........................ 0.97 ......................... 0.94 3 Years ............................. 0.98 ........................ 0.98 ......................... 0.94 4 Years ............................. 0.99 ........................ 0.99 ......................... 0.95 5 Years ............................. 1.00 ........................ 1.00 ......................... 0.95 6 Years ............................. 1.00 ........................ 1.00 ......................... 0.96 7 Years ............................. 1.00 ........................ 1.00 ......................... 0.96 8 Years ............................. 1.00 ........................ 1.00 ......................... 0.97 9 Years ............................. 1.00 ........................ 1.00 ......................... 0.97 10 Years ........................... 1.00 ........................ 1.00 ......................... 0.98 11 Years ........................... 1.00 ........................ 1.00 ......................... 0.98 12 Years ........................... 1.00 ........................ 1.00 ......................... 0.99 13 Years ........................... 1.00 ........................ 1.00 ......................... 0.99 14 Years ........................... 1.00 ........................ 1.00 ......................... 1.00 15 Years ........................... 1.00 ........................ 1.00 ......................... 1.00 16 Years ........................... 1.02 ........................ 1.00 ......................... 1.01 17 Years ........................... 1.04 ........................ 1.00 ......................... 1.02 18 Years ........................... 1.06 ........................ 1.00 ......................... 1.03 19 Years ........................... 1.08 ........................ 1.00 ......................... 1.04 20 Years and Older .......... 1.10 ........................ 1.00 ......................... 1.05

METAL ROOF DISCOUNT (Cosmetic Damage Exclusion applies)

Dwellings

Dwellings are eligible for a 10% discount when the dwelling has a metal roof surface. The discount also applies to increased limits of Coverage B (HO 3048). This discount is optional and when taken, form CF-2051 Cosmetic Damage Exclusion is added to the dwelling and related private structures insured under Coverage B (HO 3048).

Related Private Structures – NS-248, NS-3540

A metal roof discount is available on a Related Private Structure, specifically insured using Form NS-248 or NS-3540 if it has a metal roof surface. This discount is optional and when taken, form CF-2051 Cosmetic Damage Exclusion is added to the insured structure. Rating information for each form is shown in the Related Private Structures section of this manual.



NEW/UPGRADED HOME COMPONENT DISCOUNT (Policy Forms NS-1, NS-2 and NS-3)

1. Dwellings are eligible for a premium discount as shown in the table below if. a. the original electrical system is less than 14 years old; or b. the electrical system has been fully replaced within the last 13 years. All of the old electrical wiring must be

removed and replaced by new wiring. Must have new receptacles, new circuit boxes and conduit in exposed areas. The work must be certified by the installer as fully replaced. The electrical system must be inspected and approved by local civil authority for state and local building code compliance. Dwellings which have been partially rewired are not eligible.

2. The discount shall apply only to the base policy premium (must adjust for the following if applicable: revised limits of Coverage C, lower limits of liability and medical payments, and the selection of a deductible). It shall not apply to optional coverages or higher limits of property or liability coverages.

Premium Discount Table Year of Original Electrical System or Year Electrical System Totally Replaced Discount Current Calendar Year ......................................................................................... 28% 1 Year Preceding Current Calendar Year .......................................................... 26% 2 Years Preceding Current Calendar Year ........................................................ 24% 3 Years Preceding Current Calendar Year ........................................................ 22% 4 Years Preceding Current Calendar Year ........................................................ 20% 5 Years Preceding Current Calendar Year ........................................................ 18% 6 Years Preceding Current Calendar Year ........................................................ 16% 7 Years Preceding Current Calendar Year ........................................................ 14% 8 Years Preceding Current Calendar Year ........................................................ 12% 9 Years Preceding Current Calendar Year ........................................................ 10% 10 Years Preceding Current Calendar Year ........................................................ 8% 11 Years Preceding Current Calendar Year ........................................................ 6% 12 Years Preceding Current Calendar Year ........................................................ 4% 13 Years Preceding Current Calendar Year ........................................................ 2%

PREMIUM DISCOUNTS FOR PROTECTIVE DEVICES - HO 6516

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 or Smart Home System that alerts central station via internet enabled monitoring system of fire, burglar and automatic water leak shut off - a discount of 10%.

2. Alarm System that alerts the Fire Department or Police Department or Smart Home System that alerts owner of fire, burglar or water leak - a discount of 3%.

3. Burglary and/or Fire Local Alarm System or Video Door Bell System that alerts the owner - 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.

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 policy premium (must adjust for the following if applicable: revised limits of Coverage C, lower limits of liability and medical payments, and the selection of a deductible). It shall not apply to optional coverages or higher limits of property or liability coverages. Maximum discount allowed is 13%.

PROTECTED SUBDIVISION DISCOUNT Dwellings normally rated as partially protected are eligible for a Protected Subdivision Discount if the following conditions are met: 1. The dwelling is located within a platted subdivision consisting of five or more homes; 2. The dwelling is within clear view of other occupied dwellings; 3. The subdivision, or a portion thereof, is located within 5 road miles of a responding fire department; 4. The responding fire department has the ability to transport at least 2,500 gallons of water in a single trip; 5. The dwelling is the primary or principal residence of the named insured; 6. The dwelling is located on a good access road; and 7. The dwelling is not located in a severe brush or forested area. Apply a 10% discount to the partially protected Homeowners Policy base premium rates.




VALUED CUSTOMER DISCOUNT

A discount, for customers of continuous Homeowners policies written with North Star Mutual for 3 or more consecutive years, will be applied starting with the 4th policy period. The discount, as shown in the table below, will be applied to the total policy premium for each policy at each yearly policy anniversary. The maximum discount is 12%, as shown below. Number of Policy Periods Number of Policy Periods With North Star Mutual Factor With North Star Mutual Factor

1st, 2nd & 3rd policy periods 1.00 12th policy period 0.92 4th policy period 0.99 13th policy period 0.92 5th policy period 0.98 14th policy period 0.91 6th policy period 0.97 15th policy period 0.91 7th policy period 0.96 16th policy period 0.90 8th policy period 0.95 17th policy period 0.90 9th policy period 0.94 18th policy period 0.89 10th policy period 0.93 19th policy period 0.89 11th policy period 0.93 20th - 25th policy period 0.88 Over 25 policy periods 0.88

MATURE HOMEOWNERS DISCOUNT (Policy Forms NS-1, NS-2 and NS-3)

Policies are eligible for a 5% discount if 1 of the insureds is at least 50 years old. This discount would apply to the Base Premium.

COMPANION POLICY DISCOUNT (Policy Forms NS-1, NS-2 and NS-3)

Policies are eligible for a 10% discount if the insured's Personal Auto Insurance is insured through North Star. This discount would apply to the Base Premium.

WOOD SHINGLE SURCHARGE (Policy Forms NS-1, NS-2 and NS-3)

All Homeowners policies with risks that have wood shingles will be surcharged 20%. This surcharge would apply to the Base Premium.

TOWNHOUSES (Policy Forms NS-1, NS-2 and NS-3)

(If Townhouse is owned by an Association, it’s important that the contract agreement includes floor joists, wall board, etc.)

Townhouses are defined as “a type of dwelling unit normally having 2, but sometimes 3, stories and usually connected to a similar structure by a common wall”. There can be no other families living above or below the unit that is being insured. To figure the premium, determine the total number of individual family units within a Fire Division and refer to chart below. For example, a 2 family dwelling attached to a 1 family dwelling are considered 3 individual family units within a Fire Division if both dwellings are not separated by an approved fire wall.

Family Units in Fire Division Premium Calculation

1-2 Units no increase 3-4 Units increase base premium 10% 5 Or More Units increase base premium 25%



REPLACEMENT COST LOSS SETTLEMENT TERMS – PERSONAL PROPERTY - CF-55

This endorsement is available for those insured’s who wish to have the following covered property on a replacement value basis:

1. Coverage C - Personal Property; 2. Domestic appliances; 3. Carpeting; 4. Awnings; 5. Outdoor antennas; and 6. Outdoor equipment.

Personal Property can be changed from Actual Cash Value to Replacement Value insurance at the following additional premiums:

NS-1, NS-2 & NS-3: 10% of the Base Policy Premium. On 3 or 4 family dwellings Coverage C automatically increases to 40% of Coverage A at no additional charge. NOTE: Coverage C cannot be reduced to less than 60% of Coverage A for 1 and 2 family dwellings or 40% for 3 and 4 family dwellings.

Minimum Premium: $20 per year.

NS-4 and NS-6: 30% of the Base Policy Premium. Minimum Premium: $20 per year.

When a seasonal dwelling is written under the same policy as the primary dwelling and personal property is written on replacement value, this coverage must apply to the contents of both dwellings. A separate charge for replacement value on the contents must be made for each dwelling.

WOODBURNING/SOLID FUEL SURCHARGE (Policy Forms NS-1, NS-2, NS-3, NS-4 and NS-6)

All Homeowners policies with risks that have woodburning equipment (except dwellings with a masonry fireplace with either a brick/masonry chimney or a metal chimney purchased after 1986 that withstands up to 2100 degree temperatures) or solid fuel burning equipment (corn, wood pellets, etc.) will be surcharged per year:

Primary Dwelling

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

Seasonal Dwelling

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

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.




IDENTITY THEFT PROTECTION

This protection consists of:

1. Identity Theft Recovery Service

An advocacy service 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.

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:

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



OPTIONAL COVERAGES - PROPERTY

INSTALLED EQUIPMENT BREAKDOWN COVERAGE – NS-2703 For an additional premium, Installed Equipment Breakdown Coverage can be added to the Homeowners. Installed Equipment Breakdown covers mechanical and electrical breakdown of installed equipment in a dwelling. 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. A $500 deductible applies to equipment breakdown coverage. Coverage limits are as follows:

Coverage A, C & D……………………...$50,000 Spoilage of Perishable Goods …………$ 3,000

Coverage A Amount Rate

$0 - $249,999 $10.00

$250,000 - $499,999 $17.00

$500,000 - $999,999 $25.00

* If Installed Equipment Coverage is wanted on a Form 4 or Form 6 policy use the $0-$249,999 rates.

UNDERGROUND SERVICE LINE COVERAGE – CF-2158

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

Additional Premium: $20

The Insurance Score does not apply to this coverage.

RELATED PRIVATE STRUCTURES Decrease - Coverage B

An applicant may specify a lower dollar amount of coverage applying to Coverage B Related Private Structures for NS-1, NS-2, and NS-3 (10% of limit on the residence is standard). There is no real advantage to reducing Coverage B since we allow part or all of Coverage B to be added to the dwelling coverage. However, if Coverage B is reduced, apply a discount of $1.00 per $1,000 of decrease.

Occupied by Insured - HO 3048

Coverage B is intended to provide coverage for structures that are pertinent to the household and not used or designed for business purposes. Typically these are detached garages or small backyard storage sheds for lawn mowers, snow blowers, garden equipment, etc.

When an additional amount of insurance is written on a specific private structure, the following premium shall apply separately to each such structure:

$6.00 per $1,000 coverage (all forms)

This rate must be adjusted by the same Roof Surface Replacement Cost Charge or Metal Roof Discount that is applied to the Dwelling. Form CF-2051, Cosmetic Damage Exclusion is added to the insured structure when the Metal Roof Discount is given.

On Premises - Specifically Scheduled Structures - NS-248

When an acceptable private structure is over 1,600 square feet or there is more than 1 private structure on the premises then the private structure must be specifically scheduled for its full replacement cost. The limit that applies to Coverage B does not apply to specifically scheduled structures. With underwriting approval, a building is acceptable when the following are met:

https://www.northstarmutual.com/UserFiles/Documents/forms/policyforms/Current/NS-2703%2004-20.pdf

https://www.northstarmutual.com/UserFiles/Documents/forms/policyforms/Current/CF-2158%204-17%20(new).docx.pdf





RELATED PRIVATE STRUCTURES (CONTINUED)

1. Building is not used or designed for business purposes. 2. Building must be in good condition and qualify for replacement cost. 3. Building must be written at 100% of replacement cost.

The following premium shall apply separately to each such structure:

Without Metal Roof Discount $6.00 per $1,000 coverage

With Metal Roof Discount $5.00 per $1,000 coverage (CF-2051, Cosmetic Damage Exclusion applies) Private Structure Rented to Others - NS-3540

Coverage can be provided for private structures on the described location rented or held for rental to others, used for residential purposes and occupied by no more than 2 families. The limit that applies to Coverage B does not apply to specifically scheduled structures. The following premium shall apply separately to each such structure:

* Without Metal Roof Discount $7.00 per $1,000 coverage

* With Metal Roof Discount $6.00 per $1,000 coverage (CF-2051, Cosmetic Damage Exclusion applies)

* To this charge, add liability charge for residence premises rented to others.

SPECIAL FORM - COVERAGE C - PERSONAL PROPERTY - CF-1168

(POLICY FORMS NS-3 & NS-4)

Coverage for personal property and tenant’s improvements (Form NS-4 only) may be changed from named perils coverage to risks of direct physical loss unless the loss is excluded coverage, if the residence is occupied by the named insured and is not rented or sublet to others. This coverage is only available when the dwelling is written on the Special Form (NS-3) or when writing a Tenant’s Policy (NS-4).

Additional Premium: $ .04 per $100 of coverage Minimum Premium: $10.00

ADDITIONAL INSURED ADDITIONAL INSURED – HO 6041

Extends coverage for Coverage A - Residence, Coverage B – Related Private Structures, Coverage L - Personal Liability; and Coverage M – Medical Payments to Others for a specifically named party or parties having an insurable interest in the covered property and their liability arising out of the insured premises. Complete name, mailing address and extent of interest of the additional insured(s) is required along with the location to which the insurable interest applies.

No additional premium is charged.

ADDITIONAL INSURED(S) RESIDENTS OF HOUSEHOLD - NS-433 Extends coverage for Coverage C – Personal Property, Coverage D – Additional Living Costs and Loss of Rent, Coverage L – Personal Liability; and Coverage M – Medical Payments to Others for residents of the named insured’s household who are not related to the insured and who would not otherwise be covered as an insured under the policy. The name of the additional insured(s) is required. Rates apply per each additional insured. Each add’l Limit of Liability: $50 $100 $300 $500 $1,000 $500 Med Pay

Additional Premium: $11 $12 $16 $18 $27 $3 Additional Insured (Persons or organizations) Interest in Premises Liability (Farm) - GL-70 Covers the additional interest of a person or organization with a liability interest in an insured location. The name and address of the person or organization is required along with identification of which location they have an interest in and the extent of that interest.

See NSHO-28 for rates.





http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/GL-70.pdf



THEFT COVERAGE - RESIDENCE UNDER CONSTRUCTION - NS-1413

All Homeowners forms exclude loss by theft or attempted theft in or to a residence being built or theft of materials or supplies for use in construction of the residence until the residence is occupied. The North Star has available this optional endorsement to provide theft coverage from a residence while it is being built and before it is occupied by the insured.

The Homeowners rules permit the writing of a Homeowners policy on a residence under construction for occupancy by the insured. This endorsement may then be attached to provide theft coverage in those situations.

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

BACK UP OF SEWERS, DRAINS & SUMP SYSTEMS - NS-208 (Policy Forms NS-2, NS-3, NS-4, and NS-6) (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 that enters the residence through sewers, drains and sump systems may be added. This coverage does not apply to coverage B & D. This coverage is only available on NS-2, NS-3, NS-4 and NS-6 policies. The policy deductible amount and terms apply to this coverage.

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 if the home is not a patio home

or slab on grade. The generator can be automatic or portable.

Limit of Liability: $1,000 $2,500 $5,000 $10,000 $15,000 $20,000 $25,000

Additional Premium: $25 $45 $65 $130 $170 $220 $260

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 this coverage is new or to any increase of limit).

ENHANCEMENT ENDORSEMENTS

The Homeowner Enhancement Endorsements increase the internal Limits on Certain Property which are built in to the Homeowner base policy form. Two options are available - the HO Extra or the HO Premier. The Arson 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.

HO EXTRA HO 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 2,500 3,000 Trailers (Not Watercraft) 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 Fire Department Service Charge 750 1,000 Arson Reward 1,000 5,000

Homeowners Extra Enhancement - $55 Attach CF-2094

Homeowners Premier Enhancement - $95 Attach CF-2095





BUSINESS PROPERTY - HIGHER LIMITS - HO 3565

The policy limits coverage for business property on the insured premises to $2,500. Business property while away from the insured premises is limited to 20% of the limit that applies to business property on the insured premises. The limit for business property on the insured premises may be increased.

Additional Premium: $1.00 per $100 coverage (over $10,000, discuss with Underwriting.)

CREDIT CARD, ELECTRONIC FUND TRANSFER CARD OR ACCESS DEVICE, FORGERY, AND COUNTERFEIT MONEY – INCREASED LIMIT

The policy limits coverage for loss by theft or unauthorized use of credit/debit cards, forgery or alteration of checks or drafts, or acceptance of counterfeit paper currency to $1,500. This may be increased to the aggregate limits shown below.

Additional Premium: $ 2,500 $2 5,000 3 7,500 4 10,000 5

EARTHQUAKE COVERAGE - HO 2754

For an additional premium, we insure for direct physical loss to property covered under Coverage A, B or C caused by earthquake. When the Earthquake peril is written, it must be written for the same coverages and the same limits as the other coverages written in the policy.

The deductible is 5% of the limit for each coverage and is subject to a $250 minimum. If the limit on property is increased by endorsement, the total limit is used to determine the deductible.

EARTHQUAKE COVERAGE RATES PER $1,000 OF COVERAGE Frame All Other

NS-1, NS-2, & NS-3 (Coverage A) $.19 $.29 NS-4 and NS-6 (Coverage C) .14 .19 Higher Limits of: Coverage A (NS-6 only) .14 .19 Coverage B .19 .29 Coverage C .14 .19 Loss Assessment/Association Deductible (NS-53) .40 .50

NOTE: When the construction of a building is frame; aluminum, plastic or steel siding over frame; or stucco, coverage for exterior masonry veneer is optional – refer to endorsement. If the special exclusion applies (loss to exterior masonry veneer is not covered), rate using the ‘Frame’ rates. If the special exclusion does not apply (loss to exterior masonry veneer is covered, rate using the ‘All Other’ rates.

FIRE DEPARTMENT SERVICE CHARGE - HIGHER LIMIT

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

Additional Premium: $2.00 per $100 coverage


http://northstarmutual.com/UserFiles/File/forms/policyforms/Current/HO%202754%2001%2015.pdf



LOSS ASSESSMENT/ASSOCIATION DEDUCTIBLE - DESCRIBED LOCATION

Property coverage for loss assessment/association deductible, and liability coverage for loss assessment, arising out of the described location is included at $1,500 for loss assessment/association deductible under incidental property coverages and at $1,500 for loss assessment under incidental liability coverages. The limit under incidental property coverages may be increased.

Loss Assessment coverage (under Incidental Property Coverages) applies when the insured’s financial obligation arises out of an assessment levied by the association and that results from a loss to property that is owned collectively by all association members. Loss Assessment coverage (under Incidental Liability Coverages) applies when the insured’s financial obligation arises out of an assessment levied by the association and that results from “bodily injury” or “property damage” to which Coverage L applies.

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

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

• is covered under the association’s master policy; and • is caused by a peril insured against, other than earthquake, that is covered by the Homeowners policy.

Increased Limit Additional Premium: $5.00 per $1,000 of coverage

NS-6 - COVERAGE A - INCREASED LIMIT

On NS-6, Coverage A covers the fixtures, alterations, and appliances that are part of the condominium or cooperative unit, structures owned solely by the insured, and other property that is the insured's insurance responsibility under an agreement with an association or corporation of property owners. The policy automatically provides 10% of the limit on personal property for Coverage A. The Coverage A limit may be increased.

Additional Premium: $3.00 per $1,000 coverage.

NS-6 - SPECIAL FORM - UNIT-OWNERS - NS-32

Coverage for property covered under Coverage A and Coverage C in condominium or cooperative units may be changed from named perils coverage to risks of direct physical loss unless the loss is excluded coverage.

Additional Premium: $ .06 per $100 of Coverage C Minimum Premium: $10.00

GUNS AND GUN ACCESSORIES - HIGHER LIMIT

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


MONEY - HIGHER LIMIT

Money coverage may be increased from the base limit of $250 to a maximum of $700.





MOTORIZED VEHICLES - HIGHER LIMIT

The policy limits coverage for motorized vehicles used to service the insured premises and not licensed for use on public roads to $7,500. Coverage may be increased as needed.

Additional Premium: $5.00 per $1,000 coverage

REFRIGERATED FOOD SPOILAGE - CF-1185

Provides for loss or damage to food products contained in a freezer or refrigerated unit on the insured premises. No deductible applies. Coverage amounts available are shown below.

Additional Premium: $ 500 $5.00 per dwelling 1,000 8.00 per dwelling

SILVERWARE, GOLDWARE, PLATINUMWARE AND PEWTERWARE - HIGHER LIMIT

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


UNSCHEDULED JEWELRY, WATCHES AND FURS - HIGHER LIMIT

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 $3,000. When the limit is increased, the most paid for loss to any one article is $1,000.

Additional Premium: $2.00 per $100 of coverage




OPTIONAL COVERAGES - LIABILITY

INCREASED LIMITS OR ADDITIONAL RESIDENCE PREMISES

The base Liability is $100,000 and the base Medical Payment limit is $1,000. Higher limits are available or the base limits may be reduced as shown in the charts that follow. Maximum Medical Payments option is $5,000.

Base Limits For each $500 Liability $ 50,000 $100,000 $300,000 $500,000 $1,000,000 Medical Payments Medical Payments $1,000 $1,000 $1,000 $1,000 $1,000 Add or Discount:

Described Residence Premises: 1 or 2 Family $ - 3 $ -- $14 $27 $ 61 $3 3 Family 21 28 50 71 127 4 4 Family 31 38 65 88 153 4 Additional Residence Premises Occupied by Insured: 8 9 12 14 21 2 Additional Residence Premises Rented to Others: 1 Family 13 15 18 20 30 2 2 Family 26 30 35 38 57 4 3 Family 39 45 52 56 84 6 4 Family 52 60 69 74 111 8 Our maximum number of rental units is limited to four 1 to 4 family dwellings. If more, please refer to the Commercial Underwriting Department.

Tenant Occupied: A policy may be issued to the tenant (non-owner) of a dwelling or apartment if the residence occupied by the insured is used only for residential purposes. Up to 4 individuals may be insured under 1 policy, provided that each individual is named as an insured on the declarations. Charge $26 for each occupant in excess of 1.

Trampoline: $25 Flat Charge

INCIDENTAL OFFICE - NS-3542 When the insured maintains an incidental office, professional, private school or studio use in the dwelling, which otherwise meets the eligibility requirements, the limit for Coverage C (Personal Property) must not be less than 60% of the Coverage A limit, or 35% for dwellings occupied by 3 or 4 families.

Add to the foregoing, the appropriate charge from the following table:

Base Limits For each $500 Liability $ 50,000 $100,000 $300,000 $500,000 $1,000,000 Medical Payments Medical Payments $1,000 $1,000 $1,000 $1,000 $1,000 Add or Discount:

$9 $11 $13 $15 $23 $2 NOTE: These rates are not to be used for Day Care or Babysitting. Refer to rates on the following page for rating

and eligibility.




BABYSITTING - NS-157B North Star will provide Liability and Medical Payments coverage for babysitting in the insured’s home subject to the underwriting rules below:

Underwriting Rules for Babysitting

1. If the insured babysits 5 children or less, we can write the Homeowners policy and also provide liability for babysitting.

2. If the insured babysits more than 5 children, we cannot issue a Homeowners policy.

For each $500 Liability $300,000 $500,000 $1,000,000 Medical Payments Medical Payments $1,000 $1,000 $1,000 Add or Discount:

$74 $81 $122 $3 NOTE: Minnesota minimum insurance requirements for this coverage are $250,000 per occurrence, subject to

$100,000 per person.

PERSONAL INJURY - NS-46 May be added to all Homeowners policies for a fully earned additional premium. (Does not include Medical)

Base Limit Limit of Liability: $50,000 $100,000 $300,000 $500,000 $1,000,000

Additional Premium: $10 $12 $15 $17 $26

OUTBOARD MOTORS LIABILITY - HO 3801 Coverage is automatically provided for outboard motors 50 H.P. or less. The policy may be extended to cover Liability and Medical Payments for outboard motors totaling over 50 H.P. by applying the rates shown below. If 2 or more outboards are regularly used together in connection with any single watercraft owned by the insured, the horsepower of all such outboards shall be accumulated for rating purposes. (Houseboats are not eligible)

Limit of Liability Over 50 H.P.

$ 50,000/1,000 $13 100,000/1,000 Base Limits 16 300,000/1,000 20 500,000/1,000 24 1,000,000/1,000 36 For each $500 Med. Pay. Add or Discount: 4

http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/NS-157B%2009-09.pdf

http://northstarmutual.com/UserFiles/File/forms/policyforms/Current/NS-46%205-15.pdf




INBOARD, IN/OUTBOARD MOTOR BOATS, SAILBOATS AND PERSONAL WATERCRAFT LIABILITY- HO 3801 Coverage must be written to expiration of the policy. In Minnesota the normal navigational period for an inboard, inboard-outboard motor boat, sailboat or personal watercraft is 6 months. (It is not permissible to stipulate a navigational period for outboard motors.) The premiums shown below are for a 6 month navigational period. (Houseboats are not eligible)

RATING IS BY SIZE AND SPEED

PREMIUMS SHOWN ARE FOR A 6 MONTH NAVIGATIONAL PERIOD

PERSONAL 30 MPH & UNDER OVER 30 MPH SAILBOATS** WATERCRAFT

Limit of Less than 26 Less than 26 26 feet or over (Per Liability 26 feet to 40 26 feet to 40 in length Each Unit)

$ 50,000/1,000 $19 $38 $ 46 $ 70 $19 $ 68 100,000/1,000 * 22 43 52 78 22 74 300,000/1,000 29 56 69 101 29 95 500,000/1,000 33 63 77 113 33 106 1,000,000/1,000 50 95 116 170 50 159 For each $500 Medical Payments Add or Discount: 3 5 6 8 3 7

* Base Limits See Page NSHO-30 for Underwriting Rules.

** Sailboats included if under 26 feet. Rates shown are for sailboats 26' to 40' with no auxiliary power. Sailboats that are 26 to 40 feet (inclusive) in length and are equipped with auxiliary power should be classified and rated as inboard motor boats.

BUSINESS ACTIVITIES - NS-71

Coverage may be provided for the liability of an insured arising out of business activities, other than a business of which the insured is sole owner or a partner. Classify and apply separately for each person insured:

Classification

A - Clerical Office Employees Salesmen, Collectors or Messengers - No installation, demonstration or servicing. B - Salesmen, Collectors or Messengers - Installation, demonstration or servicing operations. C - Teachers - Athletic, laboratory, manual training, physical training and swimming instruction, excluding corporal

punishment. D - Teachers - Not otherwise classified, excluding corporal punishment. E - Teachers - Liability for Corporal Punishment. Additional premium for this coverage must be added to premium

for classification C or D.

Limit of Liability Classification

A B C D E*

$ 50,000/1,000 $4 $ 6 $10 $5 $4 100,000/1,000 Base Limits 5 7 11 6 5 300,000/1,000 6 8 12 7 6 500,000/1,000 7 9 13 8 7 1,000,000/1,000 11 14 20 12 11 For each $500 Med. Pay. Add or Discount: 2 2 2 2 —

* Does not include Medical Payments





HORSES Riding horses present a much greater liability exposure than the normal Homeowners policy was designed to cover. North Star will provide Liability coverage subject to the underwriting rules below:

Underwriting Rules for Liability Coverage on Horses

1. Horses must be for insured’s own pleasure. 2. We must be notified if horses are in any horse shows or parades. 3. The following situations are not acceptable: a. Insured permits extensive use by friends or relatives. b. Insured gives riding lessons. c. Insured rents horses out. d. Insured is involved in the boarding or training of horses.

To rate this, use the following procedure: Farm Liability Base Charge plus Livestock Exposure Charge plus Horse Charge. See FARM LIABILITY COVERAGE.



FARM LIABILITY COVERAGE

When an insured has more than 40 acres, and/or there are farming operations, and/or there are horses or other livestock, the following charges apply:

Base Coverage includes BODILY INJURY and PROPERTY DAMAGE, MEDICAL PAYMENTS, $1,000 DAMAGE TO PROPERTY OF OTHERS, FIRE LEGAL LIABILITY (Up to Limit of Liability for Coverage L - Personal Liability), EMPLOYER'S LIABILITY (for part time employees working 40 days or less per year), $100,000 aggregate limit for SPRAY DRIFT OF AGRICULTURAL CHEMICALS from the insured premises, $50,000 aggregate limit for the accidental DISCHARGE, DISPERSAL, SPILL, RELEASE OR ESCAPE OF AGRICULTURAL CHEMICALS, LIQUIDS AND GASES.

Base Limits For each $500 Liability $50,000 $100,000 $300,000 $500,000 $1,000,000 Med. Pay. Add Medical Payments $1,000 $1,000 $1,000 $1,000 $1,000 or Discount:

Base Charges

320 acres or less, 1 dwg, 1 set of bldgs $62 $69 $99 $122 $196 $3

321 - 1000 acres, 1 dwg, 1 set of bldgs 90 102 139 171 270 3

Over 1000 acres, 1 dwg, 1 set of bldgs 108 120 164 203 318 3

NOTE: For farm land not operated by the insured/no making of hay and with 5 or less head of horses/other livestock, use 50% of the rates shown above.

Additional Charges

Additional Farm Premises with Buildings 14 16 19 22 33 2 (Owned or Rented)

If incidental office in any of the above add 9 11 13 15 23 2

Livestock Liability Exposure Charge 69 77 85 94 141 6

Additional Insured (Persons Or Organizations) Interest In Premises Liability (Farm) – GL-70

See NSHO-19 for description 22 24 31 38 57 3 Horses

1-2 Horses Included in Livestock Liability Exposure Charge above

3-5 Horses 25 30 35 40 60 3

SEE PAGE NSHO-27 FOR UNDERWRITING RULES

Personal Injury (No Medical Payments) 12 15 19 21 32 ---

Employer's Liability (Includes Medical Payments)

(This does not replace Worker’s Compensation coverage that may be required.)

EACH FULL TIME EMPLOYEE, 25 27 34 37 56 4

(working 180 days per year or more)

EACH PART TIME EMPLOYEE, 15 16 19 21 32 4

(working over 40 days, but less than 180 days per year)

Damage To Property Of Others

(Includes damage by animals and farm machinery of others coverage - $1,000 limit included without additional premium charge)

Limit of Liability: $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000

Additional Premium: $10 $20 $30 $40 $50 $60 $70 $80 $90



RECREATIONAL VEHICLES LIABILITY - NS-704 OR CF-1849

Liability and Medical Payments may be extended to provide off premises coverage for Snowmobiles and unlicensed All Terrain Vehicles (NS-704) by applying the rates shown below. This does not provide coverage for (1) any Recreational Motor Vehicle licensed for road use or (2) motorcycles, trail bikes, dirt bikes, mini bikes or similar 2-wheel type vehicles.

Snowmobiles & Unlicensed All Terrain Vehicles ATV's Licensed for Road Use Limit of Liability (1 Charge) (Per Unit) $ 50,000/1,000 $ 50 N/A 100,000/1,000 Base Limits 52 $25 300,000/1,000 67 32 500,000/1,000 75 36 1,000,000/1,000 113 54 For each $500 Med. Pay. Add or Discount: 6 5

Liability and Medical Payments may be extended to provide on and off premises coverage for licensed ATV's (CF-1849) at the per unit charge shown above.

Snowmobile Auxiliary Hazard Warning Lighting System Discount - A 5% discount will be applied to the above premiums if a snowmobile has an "auxiliary hazard warning lighting system" that is installed by the manufacturer of a snowmobile as original equipment or installed in a snowmobile by the manufacturer or an authorized dealer of that manufacturer as an after market system that does the following when activated:

1. a yellow light emitting diode (L.E.D.) light on the front of the snowmobile that flashes at least once per second and is visible at least one-half mile in front of the snowmobile; and

2. a red light emitting diode (L.E.D.) light on the rear of the snowmobile that flashes at least once per second and is visible at least one-half mile from behind the snowmobile.

Golf Carts - Coverage is included in the base policy while golf cart is being used for golfing purposes away from premises. Coverage for liability and medical payments arising out of the off-premises use of golf carts, not subject to motor vehicle registration, for purposes other than golfing may be available - please call a Home Office underwriter.

NOTE: Either NS-704 or CF-1849 will automatically be added to a policy when Inland Marine coverage for snowmobiles or ATV's is requested unless the insured specifically declines liability coverage.

INLAND MARINE COVERAGES

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





UNDERWRITING RULES FOR RECREATIONAL VEHICLES & WATERCRAFT

1. Coverage may not be bound for collision coverage on snowmobiles. A visual inspection and photo that verify no existing damage are required before collision coverage may be bound.

2. Physical damage coverage must be for 100% of present value. Liability and medical payments must be concurrent with Homeowners Policy to which attached.

3. Coverage can be included under the Homeowners for either liability or physical damage. It is not mandatory to include both as long as the applicant fully understands the coverage he/she has purchased.

4. Snowmobiles, ATV’s, personal watercraft, golf carts, boats and motors are not acceptable: a. If licensed for road use (Does not apply to CF-1849). b. If used for business purposes. c. If used for racing, competition or similar contest purposes or any stunting activity. d. If rented to others. e. If the engine or gear ratio has been modified for speed or acceleration purposes. f. If there are 2 or more chargeable accidents or traffic violations in the past 3 years or if there have been any

accidents or violations when written on a Tenant's Contents policy. g. Where there has been a conviction for driving under the influence, open bottle violation, careless or reckless

driving, hit and run, or leaving the scene of an accident in the past 3 years. h. Where the principal operator is under 18 years old.

5. Dirt bikes, mini bikes, mopeds, cabin cruisers, yachts, inboards or houseboats are not acceptable. 6. Snowmobiles are not acceptable if written on a Tenant's NS-4 policy. 7. Submit any other type of recreational vehicles to Home Office before binding. 8. Submit the drivers license number and the date of birth of all operators. 9. Refer to the Inland Marine Section of this manual for Inland Marine underwriting criteria for Recreational

Vehicles and Watercraft.