1. finance
2. personal finance
3. insurance
4. vehicle insurance

DWELLING
PROPERTIES
PROGRAM
This Manual Contains Final Rates
July 2014
VIRGINIA PROPERTY INSURANCE ASSOCIATION
Base Rates
Fire – Coverage A & C All Forms
Owner Occupied
KEY PREMIUMS
KEY FACTORS
FP 1
CONST
Protection
Number of Families
1
2
Coverage
Coverage
Building Contents Building Contents
Limit of
Liability
(000’s)
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
18
20
22
24
26
28
30
32
34
36
38
40
42
44
46
48
50
55
60
65
70
75
80
85
90
95
100
105
110
115
120
125
130
135
140
145
Each
Additional
$1,000
Territory - All
M
F
M
SemiProtected F
M
Unprotected
F
$66
$82
$82
$128
$99
$161
Protected
CONST
Protection
$18
$23
$23
$35
$27
$45
$72
$91
$91
$140
$109
$177
$18
$23
$23
$35
$27
$45
Number of Families
3 or 4
5 or More
Coverage
Coverage
Building Contents Building Contents
Territory - All
M
F
M
SemiProtected F
M
Unprotected
F
$96
$119
$119
$185
$143
$233
Protected
$27
$33
$33
$51
$40
$65
$50
$63
$63
$97
$75
$122
FP 2
CONST
Protection
Number of Families
1
2
Coverage
Coverage
Building Contents Building Contents
Territory - All
M
F
M
SemiProtected F
M
Unprotected
F
$88
$110
$110
$171
$132
$215
Protected
CONST
Protection
$24
$31
$31
$47
$37
$60
$97
$121
$121
$188
$145
$236
$24
$31
$31
$47
$37
$60
Number of Families
3 or 4
5 or More
Coverage
Coverage
Building Contents Building Contents
Territory - All
M
F
M
SemiProtected F
M
Unprotected
F
Protected
Dwelling Rates
$128
$160
$160
$248
$192
$311
$35
$44
$44
$69
$53
$86
$67
$84
$84
$130
$101
$163
Page 1
Limit of
Liability
(000’s)
Coverage
C
0.253
0.336
0.419
0.502
0.585
0.668
0.751
0.834
0.917
1.000
1.083
1.166
1.249
1.332
1.415
1.498
1.581
1.664
1.747
1.830
1.913
1.996
2.079
2.162
2.245
2.328
2.411
2.494
2.577
2.660
2.743
2.826
2.909
2.992
3.075
3.158
3.241
3.324
3.407
3.490
3.573
3.656
3.739
3.822
3.905
3.988
4.071
4.154
4.237
4.320
Coverage
A
0.430
0.460
0.490
0.520
0.550
0.580
0.610
0.640
0.670
0.700
0.730
0.760
0.790
0.820
0.850
0.880
0.940
1.000
1.030
1.060
1.090
1.120
1.150
1.180
1.210
1.240
1.270
1.300
1.330
1.360
1.390
1.420
1.450
1.525
1.600
1.675
1.750
1.825
1.900
1.975
2.050
2.125
2.200
2.275
2.350
2.425
2.500
2.575
2.650
2.725
2.800
2.875
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
.015
Each
Additional
$1,000
0.083
February 2014
VIRGINIA PROPERTY INSURANCE ASSOCIATION
Base Rates
Fire – Coverage A & C All Forms
Non-Owner Occupied
KEY FACTORS
KEY PREMIUMS
FP 1
Number of Families
CONST
Protection
1
Coverage
Building Contents
2
Coverage
Building Contents
Territory - All
M
F
SemiM
Protected F
M
Unprotected
F
Protected
CONST
Protection
$72
$91
$91
$140
$109
$177
$18
$23
$23
$35
$27
$45
$80
$100
$100
$154
$120
$194
$18
$23
$23
$35
$27
$45
Number of Families
3 or 4
5 or More
Coverage
Coverage
Building Contents Building Contents
Territory - All
M
F
SemiM
Protected F
M
Unprotected
F
Protected
$105
$131
$131
$204
$158
$256
$27
$33
$33
$51
$40
$65
$50
$63
$63
$97
$75
$122
FP 2
CONST
Protection
Number of Families
1
2
Coverage
Coverage
Building Contents Building Contents
Territory - All
M
F
M
SemiProtected F
M
Unprotected
F
Protected
CONST
Protection
$97
$121
$121
$188
$145
$236
$24
$31
$31
$47
$37
$60
$107
$133
$133
$207
$160
$260
$24
$31
$31
$47
$37
$60
Number of Families
3 or 4
5 or More
Coverage
Coverage
Building Contents Building Contents
Territory - All
M
F
M
SemiProtected F
M
Unprotected
F
Protected
Dwelling Rates
$141
$176
$176
$272
$211
$343
$35
$44
$44
$69
$53
$86
$67
$84
$84
$130
$101
$163
Page 2
Limit of
Liability
(000’s)
Coverag
e
A
Limit of
Liability
(000’s)
Coverag
e
C
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
18
20
22
24
26
28
30
32
34
36
38
40
42
44
46
48
50
55
60
65
70
75
80
85
90
95
100
105
110
115
120
125
130
135
140
145
Each
Additional
$1,000
0.430
0.460
0.490
0.520
0.550
0.580
0.610
0.640
0.670
0.700
0.730
0.760
0.790
0.820
0.850
0.880
0.940
1.000
1.030
1.060
1.090
1.120
1.150
1.180
1.210
1.240
1.270
1.300
1.330
1.360
1.390
1.420
1.450
1.525
1.600
1.675
1.750
1.825
1.900
1.975
2.050
2.125
2.200
2.275
2.350
2.425
2.500
2.575
2.650
2.725
2.800
2.875
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
0.253
0.336
0.419
0.502
0.585
0.668
0.751
0.834
0.917
1.000
1.083
1.166
1.249
1.332
1.415
1.498
1.581
1.664
1.747
1.830
1.913
1.996
2.079
2.162
2.245
2.328
2.411
2.494
2.577
2.660
2.743
2.826
2.909
2.992
3.075
3.158
3.241
3.324
3.407
3.490
3.573
3.656
3.739
3.822
3.905
3.988
4.071
4.154
4.237
4.320
Each
Additional
$1,000
0.083
.015
February 2014
VIRGINIA PROPERTY INSURANCE ASSOCIATION
BASE RATES
Extended Coverage-All Forms
Coverages A & C
NON-SEASONAL
Limit of
Liability
(000’s)
Refer to Rule 4.2.3 for rating seasonal properties. Form
FP-2 is not eligible for seasonal or secondary coverage.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
18
20
22
24
26
28
30
32
34
36
38
40
42
44
46
48
50
55
60
65
70
75
80
85
90
95
100
105
110
115
120
125
130
135
140
145
Each
Additional
$1,000
Form
Territory
05 - 07,
30 - 31,
37 - 41
Coverage A
FP-1
FP-2
Coverage - C
FP-1
FP-2
Inland
$15
$36
$2
$7
10, 12,
32 - 36
Seacoast
$61
$119
$26
$65
11, 13
Beachfront
$401
$643
$118
$229
Dwelling Rates
Page 3
Coverage
A
0.525
0.550
0.575
0.600
0.625
0.650
0.675
0.700
0.725
0.750
0.775
0.800
0.825
0.850
0.875
0.900
0.950
1.000
1.050
1.100
1.150
1.200
1.250
1.300
1.350
1.400
1.450
1.500
1.550
1.600
1.650
1.700
1.750
1.875
2.000
2.125
2.250
2.375
2.500
2.625
2.750
2.875
3.000
3.125
3.250
3.375
3.500
3.625
3.750
3.875
4.000
4.125
.025
Limit of
Liability
(000’s)
Coverage
C
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
0.307
0.384
0.461
0.538
0.615
0.692
0.769
0.846
0.923
1.000
1.095
1.190
1.285
1.380
1.475
1.570
1.665
1.760
1.855
1.950
2.045
2.140
2.235
2.330
2.425
2.520
2.615
2.710
2.805
2.900
2.995
3.090
3.185
3.280
3.375
3.470
3.565
3.660
3.755
3.850
3.945
4.040
4.135
4.230
4.325
4.420
4.515
4.610
4.705
4.800
Each
Additional
$1,000
0.095
February 2014
Dwelling Rating Worksheet
Dwelling
Fire
Key Premium
Rate
Pages 1-3
Increased Limits
Factor
Rate
Pages 1-3
Contents
Other Perils
Fire
Other Structures
Other Perils
Fire
Other Perils
X
X
X
X
X
X
=
=
=
=
=
=
-
-
-
-
-
-
Initial Premium
Vandalism Credit
Rule 7.1
Page 13
n/a
n/a
n/a
=
=
=
=
=
=
X
X
X
X
X
X
1.00
1.00
X
X
1.00
1.00
X
X
Base Premium
Mobile Home
Factor
Rule 4.2.2
Page 9
X
Seasonal Factor
X
X
X
X
Coverage B
Rule 4.2.5
Page 9
Factor
X
Deductible Factor
X
Rule 4.2.3
Page 9
X
Fire Resistive
Factor
X
X
X
X
Rule 5.1
Page 11
=
=
=
=
.50
Coverage B
Factor
.50
X
X
1.00
1.00
=
=
Final Premium
January 2001
Virginia Property Insurance Association
AAIS Dwelling Program
VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING PROPERTIES MANUAL
Rule 1.
Eligibility ...................................................................................................................... 1
1.1
Eligible Risks .................................................................................................................. 1
1.2
Incidental Business Activities ......................................................................................... 1
1.3
Ineligible Risks ................................................................................................................ 1
Rule 2.
2.1
Program Description ................................................................................................... 2
Policy Forms ................................................................................................................... 2
2.1.1.
Required Coverages ............................................................................................... 2
2.1.2.
Optional Coverages & Endorsements ..................................................................... 2
2.1.3.
Required Endorsements .......................................................................................... 2
2.2
Principal Coverages ....................................................................................................... 2
2.2.1.
Coverage A – Residence ........................................................................................ 2
2.2.2.
Coverage B -- Related Private Structures ............................................................... 3
2.2.3.
Coverage C -- Personal Property ............................................................................ 3
2.2.4.
Coverage D -- Additional Living Costs and Fair Rental Value ................................. 3
2.3
Loss Settlement Provisions ............................................................................................ 3
2.3.1.
Form FP-1 and Mobile Homes ................................................................................ 3
2.3.2.
Forms FP-2 ............................................................................................................. 3
2.4
Perils Insured Against ..................................................................................................... 4
2.4.1.
2.5
Forms FP-1 and FP-2 .............................................................................................. 4
Policy Limits .................................................................................................................... 4
2.5.1.
Form FP-1 ............................................................................................................... 5
2.5.2.
Form FP-2 ............................................................................................................... 5
Rule 3.
Policywriting Instructions ............................................................................................. 6
3.1
Inception Time ................................................................................................................ 6
3.2
Policy Term ..................................................................................................................... 6
3.2.1.
Annual ..................................................................................................................... 6
3.3
Additional Interests ......................................................................................................... 6
3.5
Coinsurance ................................................................................................................... 6
3.6
Restriction of Coverage .................................................................................................. 6
3.7
Cancellation or Reductions in Limits of Liability or Coverages ....................................... 6
3.8
Contributing Insurance ................................................................................................... 6
3.9
Multiple Locations ........................................................................................................... 6
3.10
Minimum Premium ...................................................................................................... 7
3.11
Waiver of Premium ..................................................................................................... 7
Rev 4.1
Table of Contents - 1
February 2014
Includes copyrighted material from American Insurance Services, Inc., with its permission
VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING PROPERTIES MANUAL
3.12
Premium Rounding ..................................................................................................... 7
3.13
Interpolation ................................................................................................................ 7
Rule 4.
Premium Determination .............................................................................................. 8
4.1
Calculation of Premium .................................................................................................. 8
4.2
Special Rating Instructions ............................................................................................. 9
4.2.1.
Row Houses and Townhouses ................................................................................ 9
4.2.2.
Mobile Homes ......................................................................................................... 9
4.2.3.
Seasonal Properties ................................................................................................ 9
4.2.4.
Dwellings Under Construction ............................................................................... 10
4.2.5.
Fire Resistive Construction ................................................................................... 10
4.3
Change in Limits or Addition of Coverages .................................................................. 10
Rule 5.
5.1
Deductibles ............................................................................................................... 11
Flat Deductibles -- All Perils ......................................................................................... 11
5.1.1.
5.2
Minimum Deductible .............................................................................................. 11
Windstorm or Hail Deductibles ..................................................................................... 11
5.2.1.
Rule 6.
Minimum Windstorm or Hail Deductibles............................................................... 12
Premium Modifications .............................................................................................. 13
6.1
Protective Devices ........................................................................................................ 13
6.4
Ordinance or Law ......................................................................................................... 13
6.4.1.
Rule 7.
Excluding Coverage for Increased Cost to Respond to Pollutants ........................ 13
Coverage Options ..................................................................................................... 15
7.1
Vandalism -- Form FP-1 Only ....................................................................................... 15
7.4
Inflation Guard Coverage -- Coverages A and B .......................................................... 15
7.5
Loss Assessment ......................................................................................................... 15
7.5.1.
7.6
Without Earthquake ............................................................................................... 15
Private Structures ......................................................................................................... 15
7.6.2.
Specific Structures ................................................................................................ 15
7.6.3.
Residential Rental to Others ................................................................................. 16
7.6.4.
Incidental Business Activities – Related Private Structure .................................... 16
7.7
Theft Coverage ............................................................................................................. 16
7.7.2.
Limited ................................................................................................................... 16
7.7.3.
Protective Devices ................................................................................................. 16
7.8
7.11
Rev 4.1
Replacement Value -- Personal and Miscellaneous Property ...................................... 17
Coverage D - Additional Living Costs and Fair Rental Value ................................... 17
Table of Contents - 2
February 2014
Includes copyrighted material from American Insurance Services, Inc., with its permission
VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING PROPERTIES MANUAL
7.11.1.
Form FP-1 .......................................................................................................... 17
7.11.2.
From FP-2 .......................................................................................................... 17
7.12
Tenant's Improvements -- Forms FP-1 and FP-2 ..................................................... 18
7.17
Condominium Fixtures, Additions, and Alterations -- ................................................ 19
7.17.1.
Basic Perils Coverage ....................................................................................... 19
7.17.2.
Broad Perils Coverage ....................................................................................... 19
7.17.3.
Without Coverage C .......................................................................................... 20
7.19
Certified Terrorism Losses ........................................................................................ 21
Definition 1 --
FIRE PROTECTION DEFINITIONS ............................................................... 23
Definition 2 --
CONSTRUCTION DEFINITIONS................................................................... 23
Definition 3 --
TERRITORIAL DEFINITIONS ........................................................................ 24
Definition 4 --
FIRE PREMIUM GROUP CHART ................................................................. 31
Rev 4.1
Table of Contents - 3
February 2014
Includes copyrighted material from American Insurance Services, Inc., with its permission
VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING PROPERTIES MANUAL
Rule 1. ELIGIBILITY
1.1 Eligible Risks
A Dwelling Properties policy may be issued to cover:
‹ a one- to four-family dwelling used for private residential purposes;
‹ a private residential dwelling in a row house or townhouse that contains not more
than four family units per fire division;
‹ a mobile home used for private residential purposes that is not self-propelled and is
permanently situated at a fixed location;
‹ private structures related to dwellings;
‹ a condominium unit-owner's interest in additions, alterations, structures, installations,
and other items; or
‹ personal property located in a one- to four-family dwelling, row house or townhouse,
mobile home, related private structure, apartment, condominium unit, or other
structure.
1.2 Incidental Business Activities
An insured or an occupant of the insured premises may engage in one of the following
incidental business activities on the premises without affecting the eligibility status of the
risk:
‹ a business or professional office, private school or studio where no more than two
people work;
‹ a small service business, such as a barber shop, beauty parlor, dressmaker, tailor, or
shoe repair where no more than two people work; or
‹ storage of merchandise up to $10,000 in value.
This rule applies to dwelling and contents coverage only.
1.3 Ineligible Risks
A Dwelling Properties policy may not be issued to cover:
‹ farm dwellings and farm properties;
‹ self-propelled mobile homes and mobile homes not permanently situated at a fixed
location;
‹ dwellings in row houses or townhouses containing more than four family units per fire
division; or
‹ dwellings, mobile homes, related private structures, or condominium units with
business occupancies other than the incidental business activities described in this
manual.
Refer to the Manual of Operational Procedures filed by the Association with the State
Corporation Commission, Bureau of Insurance, for additional guidelines.
Rev 4.0
Rules - 1
January 2008
Includes copyrighted material from American Insurance Services, Inc., with its permission
VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING PROPERTIES MANUAL
Rule 2. PROGRAM DESCRIPTION
This is a general description of the coverage provided by the Dwelling Properties forms. The policy forms state
the complete conditions.
2.1 Policy Forms
2.1.1. Required Coverages
A Dwelling Properties policy may be issued by using one of the following forms
FP-1
Basic Form
FP-2
Broad Form
2.1.2. Optional Coverages & Endorsements
FL-10
Automatic Increase In Insurance (Mandatory with FP-2 Form)
FL-14
Insurance By More Than One Company
FL-16
Incidental Business Activities
FL-216
Premises Alarm or Fire Protection Systems
FL-257
Ordinance or Law
FL-30
Tenant’s Improvements and Betterments
FL-32
Condominium Unit-Owner Additions (Broad)
FL-50
Residential Association Loss Assessment
FL 0405
Windstorm or Hail Deductible
FP DP 00 01
Policies Issued With Restrictions in Coverage
FP FL-31
Condominium Unit-Owner Additions (Basic)
FP FL-35
Limited Theft Coverage
FP-41
Additional Interests
FP FL-55
Replacement Value – Personal & Miscellaneous Property
2.1.3. Required Endorsements
Each dwelling policy issued must include the following forms
FL 670
Certified Terrorism Losses
FP FL 4901
Wet Rot, Dry Rot, Bacteria, Fungi or Protists Exclusion
2.2 Principal Coverages
Four principal coverages are available under a Dwelling Properties policy.
2.2.1. Coverage A – Residence
Coverage A covers the dwelling, additions, built-in components, attached fixtures, and detachable
building items. Coverage also applies to appliances, carpets, and window coverings in rental portions
of the dwelling. Tools and equipment used to service the premises are covered under Coverage A
when the policy does not otherwise include coverage for personal property.
Rev 4.1
Rules - 2
Includes copyrighted material from American Insurance Services, Inc., with its permission
July 2014
VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING PROPERTIES MANUAL
2.2.2. Coverage B -- Related Private Structures
Coverage B covers unattached structures related to the dwelling, including their additions, built-in
components, fixtures, and detachable building items. Coverage also applies to fences, driveways,
sidewalks, and other permanently installed outdoor fixtures.
2.2.3. Coverage C -- Personal Property
Coverage C covers household contents and personal property usual to the occupancy of the dwelling
as a residence.
2.2.4. Coverage D -- Additional Living Costs and Fair Rental Value
Coverage D covers increased living costs and/or loss of rental value that occurs when an insured loss
makes a covered location unfit for use. Additional living costs is provided under Form FP-2 only.
2.3 Loss Settlement Provisions
2.3.1. Form FP-1 and Mobile Homes
Covered losses are settled on an actual cash value basis.
2.3.2. Forms FP-2
An 80% insurance-to-value requirement triggers replacement cost loss settlement for covered building
losses. Other covered losses are settled on an actual cash value basis.
Rev 4.1
Rules - 3
Includes copyrighted material from American Insurance Services, Inc., with its permission
July 2014
VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING PROPERTIES MANUAL
2.4 Perils Insured Against
2.4.1. Forms FP-1 and FP-2
Form FP-1 (Basic Form Fire and Basic Form Fire and Extended Coverage) and form FP-2
(Broad Form) provide coverage for loss caused by the perils indicated below.
Form Used:
FP-1
FP-1
FP-2
Fire
Fire and
Broad
Extended
Perils Covered
Coverage
Fire or Lightning
X
X
X
Explosion
X
X
X
Windstorm or Hail
X
X
Riot or Civil Commotion
X
X
Aircraft
X
X
Vehicles
X
X
Smoke
X
X
Volcanic Action
X
X
Sinkhole Collapse
X
X
Vandalism
Optional
X
Burglary Damage
X
Falling Objects
X
Weight of Ice, Snow, or Sleet
X
Accidental Tearing Apart, Burning, or Bulging
X
Accidental Discharge of Liquids or Steam
X
Freezing of Plumbing or Heating System
X
Sudden and Accidental Electrical Damage
X
2.5 Policy Limits
FP-1
$4,000
Minimum
FP-2
$12,000
Minimum
10% of limit
on residence
10% of limit
on residence
Coverage C -Personal Property
$1,000
Minimum
$4,000
Minimum
Coverage D -Fair Rental Value
10% of limit
on residence
10% of limit
on residence
Coverage D -Addl. Living Cost
Not
Covered
10% of limit
on residence
Coverage A -Residence
Coverage B -Related Private
Structures
Rev 4.1
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2.5.1. Form FP-1
An FP-1 policy may include Coverage A and/or Coverage C. Each is rated separately. Minimum limits
are shown in rule 2.5.
10% of the Coverage A limit applies to Coverage B and to Coverage D (Fair Rental Value) without an
additional charge. No coverage is provided under form FP-1 for Additional Living Costs. Payment of a
loss under Coverage B or Coverage D will not reduce the Coverage A limit available for the same loss.
Show the Coverage B and Coverage D limits on the declarations.
2.5.2. Form FP-2
An FP-2 policy may include Coverage A and/or Coverage C. Each is rated separately. Minimum limits
are determined and filed by the company with the State Corporation Commission, Bureau of Insurance.
10% of the Coverage A limit applies to Coverage B and to Coverage D without an additional charge.
Payment of a loss under Coverage B or Coverage D will not reduce the Coverage A limit available for
the same loss. Show the Coverage B and Coverage D limits on the declarations.
Rev 4.1
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Rule 3. POLICYWRITING INSTRUCTIONS
3.1 Inception Time
The policy must be issued to take effect at 12:01 A.M. on the inception date.
Indicate the inception time on the declarations.
3.2 Policy Term
3.2.1. Annual
Rating information for annual policies is shown in this manual. An annual policy can be
extended for successive terms by using a continuation certificate. The premium for each
successive term is based on the rating information, rules, forms, and endorsements in
effect on the extension date.
3.3 Additional Interests
An additional owner's interest in a covered building may be covered without additional
charge. That interest shall be shown on the declarations page.
3.4 Reserved for Future Use
3.5 Coinsurance
A coinsurance clause is not required in any policy written under the provisions of this
manual.
3.6 Restriction of Coverage
If a policy would not be issued because of unusual exposures, the applicant may request
a restriction of coverage at no reduction in premium. The request, signed by the
applicant, must be referred to the company. Each request must be submitted by the
company to the State Corporation Commission, Bureau of Insurance.
Endorsement FP DP 00 01
3.7 Cancellation or Reductions in Limits of Liability or Coverages
If the policy is canceled, coverage is removed or the limits are reduced, the amount of
any return premium due is calculated on a pro rata basis.
3.8 Contributing Insurance
When the Association provides its maximum limits, coverage may be divided between
two or more companies. All policies must contain the same deductible. All additional
limits and coverages must be divided between the companies.
Endorsement FL -14
3.9 Multiple Locations
A single policy can be issued to cover property at different locations in Virginia if the
same form and same deductible option apply at each location. Describe each location
and show the limits that apply. Use supplemental declarations if necessary. Indicate
that the deductible applies "at each location".
Rev 4.0
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3.10 Minimum Premium
A minimum annual premium of $250 shall be charged for each location. The minimum
premium may include all chargeable endorsements or coverages for Fire and Allied
Lines, if written at the inception of the policy.
3.11 Waiver of Premium
An additional or return premium of $10 or less due when a policy is endorsed after its
inception may be waived, however, return premiums must be refunded at the request of
the insured.
3.12 Premium Rounding
Each premium shown on the policy and endorsements shall be rounded to the nearest
whole dollar. A premium of fifty cents or more shall be rounded to the next highest
dollar.
3.13 Interpolation
Rating information for a limit that is between two limits shown in this manual can be
developed by interpolation.
Example $33,000 desired limit: The nearest increased fire limits shown are $32,000 and
$34,000. For $32,000 the key factor is 1.180. For $34,000 the key factor is 1.210.
Figure the difference between the two key factors and divide by 20. This provides the
factor per $100.
1.210 − 1.180 = .030
.030 ÷ 20 = .0015
Multiply the factor per $100 time 10, and add to 1.180.
.0015 × 10 = .015
.015 + 1.180 = 1.195
The key factor for $33,000 in this example is 1.195.
Rev 4.0
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January 2008
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Rule 4. PREMIUM DETERMINATION
4.1 Calculation of Premium
Step 1
Determine which of the following apply:
Form of Coverage: FP-1 or FP-2
FP-1 Only: Extended Coverage and Vandalism Perils
Coverage A
Coverage C
Special Rating Instructions (Rule 4.2)
Deductibles (Rule 5)
Premium Modifications (Rule 6)
Coverage Options (Rule 7)
Step 2
Select the Premium Group from the Territorial Definitions Page that reflects the territory,
protection, and construction classifications that apply and determine the occupancy
classification.
Step 3
If Coverage A applies, use the following steps to determine the premium. (Also follow
any special rating instructions described in Rule 4.2.)
 A. Select the Coverage A FIRE premium for the policy limit, apply the factor for the
deductible option selected from Rule 5.1, and apply any special rating factors from
Rule 4.2.
 B. Form FP-1 only: If the extended coverage and vandalism perils apply, select the
Coverage A OTHER PERILS premium for the territory and policy limit, apply the
factor for the all other perils and windstorm or hail deductible combination selected
from Rule 5.2, and apply any special rating factors from Rule 4.2.
Form FP-1 only: If the extended coverage perils apply but vandalism does not,
reduce the OTHER PERILS premium for the territory and policy limit by the
vandalism credit (Rule 7.1), apply the factor for the all other perils and windstorm or
hail deductible combination selected from Rule 5.2, and apply any special rating
factors from Rule 4.2.
Form FP-2: Select the Coverage A OTHER PERILS premium for the territory and
policy limit, apply the factor for the all other perils and windstorm or hail deductible
combination selected from Rule 5.2, and apply any special rating factors from Rule
4.2.
 C. The Coverage A premium is the sum of the FIRE and OTHER PERILS premiums
determined by following Steps 3A and 3B.
Rev 4.1
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Step 4
If Coverage C applies, use the Coverage C FIRE and OTHER PERILS premiums and
follow the process described in Step 3.
Step 5
If any premium modifications apply, adjust the Coverage A and/or Coverage C premiums
determined in Steps 3 and 4.
Step 6
If any coverage options apply, add the additional charges to the Coverage A and/or
Coverage C premiums determined in Step 5.
Step 7
If both Coverage A and Coverage C apply, the total policy premium is the sum of the
premiums determined in Step 6.
4.2 Special Rating Instructions
4.2.1. Row Houses and Townhouses
The occupancy classification for eligible row houses and townhouses is determined by
the number of family units in the fire division.
4.2.2. Mobile Homes
Use the rating information for a frame dwelling of the appropriate number of families and
apply the mobile home factors shown below.
Fire
Other
Perils
Coverage A
2.50
1.50
Coverage C
2.50
1.50
4.2.3. Seasonal Properties
A dwelling normally unoccupied for three or more consecutive months during the year is
considered seasonal. Apply the seasonal dwelling factors shown below.
Fire
Other
Perils
Coverage A
1.00
1.10
Coverage C
1.00
1.10
A mobile home is also considered seasonal if it is normally unoccupied for three or more
consecutive months during the year. Apply the seasonal mobile home factors shown
below after the mobile home factors have been applied.
Rev 4.1
Fire
Other
Perils
Coverage A
1.00
1.10
Coverage C
1.00
1.10
Rules - 9
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4.2.4. Dwellings Under Construction
Use the rating information for nonowner-occupied dwellings.
4.2.5. Fire Resistive Construction
Use the rating information for masonry construction and apply the fire resistive
construction factors shown below.
Fire
Other
Perils
Coverage A
.65
.65
Coverage C
1.00
1.00
4.3 Change in Limits or Addition of Coverages
Policy limits may be increased or coverages added during the policy term. Compute the
additional premium on a pro rata basis using the same forms, endorsements, and rating
information in effect when the current policy premiums were calculated.
Rev 4.1
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Rule 5. DEDUCTIBLES
5.1 Flat Deductibles -- All Perils
The policy may be issued with one of the deductible options shown below. Apply the
deductible factors shown below.
Deductible
Coverage A & C
Coverage A & C
Amount
Fire
Other Perils
$500
1.00
See Rule 5.2
$1,000
.95
See Rule 5.2
$2,500
.84
See Rule 5.2
The deductible amount is shown on the declarations; no endorsement is needed.
5.1.1. Minimum Deductible
The base deductible is $500. The minimum deductible will be based on the combined
limit of building and contents coverage for a location. It will be determined from the chart
below.
Combined
Minimum
Values
Deductible
$1,000 - $100,000
$500
Over $100,000
$1,000
5.2 Higher Windstorm or Hail Deductibles
A policy that includes Coverage A will be issued with a deductible applicable to loss
caused by windstorm or hail. The windstorm or hail deductible may be higher than the
deductible that applies to all other perils. The windstorm or hail deductible must be
expressed as a flat dollar amount. The windstorm or hail deductible is applicable to the
dwelling and related coverages (Coverages B, C, and any applicable incidental
coverages).
The following windstorm or hail deductible options are available:
Flat Amount
$1,000
$2,000
$2,500
$5,000
Rev 4.1
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February 2014
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The policy may be issued with one of the deductible combinations shown below. Apply
the deductible factors shown below to adjust the OTHER PERILS premium. These
factors are to be used in lieu of the factors shown in Rule 5.1.
Windstorm or Hail Deductible
All Other Perils
Deductible
$1,000
$2,000
$2,500
$5,000
$500
1.00
0.85
N/A
0.76
$1,000
0.96
0.79
N/A
0.71
$2,500
N/A
N/A
0.71
0.65
The windstorm or hail deductible amount will be shown on the declarations.
5.2.1. Minimum Windstorm or Hail Deductibles
The base windstorm or hail deductible is $1,000. The minimum windstorm and hail
deductible will be based on the combined limit of building and contents coverage for a
location. It will be determined from the chart below.
Combined
Minimum Windstorm or Hail
Values
Deductible
$1,000 - $100,000
$1,000
Over $100,000
$2,000
Rev 4.1
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February 2014
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Rule 6. PREMIUM MODIFICATIONS
6.1 Protective Devices
The protective device factors shown below may be applied for the installation of the
following approved and properly maintained alarm and/or sprinkler systems:
Protective Devices
FireCoverage A
Central Station Alarms - Fire
0.92
Central Station Alarms - Smoke
0.92
Fire Department Alarms
0.95
Police Department Alarms
0.95
Local Alarms
0.97
Endorsement FL -216
6.2 Reserved for Future Use
6.3 Reserved for Future Use
6.4 Ordinance or Law
6.4.1. Excluding Coverage for Increased Cost to Respond to Pollutants
Coverage can be added for the increased cost that results from the enforcement of a
code, ordinance, or law that regulates the use, construction, repair, demolition, or
removal of debris of covered property following a covered loss.
Apply the following ordinance or law factors to the premiums for the following coverages
when they are provided by the policy:
Excluding Coverage For Increased
Cost To Respond To Pollutants
Fire
Other
Perils
1.20
1.20
--
Coverages A and C;
--
Private structures under Rule 7.6;
--
Increased limits of Tenant's Improvements (FL-1 and FL-2); and
--
Increased limits of Condominium Fixtures, Additions, and Alterations (FL-2).
This coverage does not increase the policy limits; therefore, the increased cost that will
result from the enforcement of a code, ordinance, or law must be reflected in the limits
for the coverages shown above.
Endorsement FL 0257
Rev 4.0
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6.5 Reserved for Future Use
6.6 Reserved for Future Use
6.7 Reserved for Future Use
6.8 Reserved for Future Use
Rev 4.0
Rules - 14
January 2008
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Rule 7. COVERAGE OPTIONS
7.1 Vandalism -- Form FP-1 Only
Vandalism is an optional coverage under policy form FP-1. Make an entry on the
declarations to show that FP-1 coverage applies "with vandalism" or "without vandalism".
If coverage for vandalism does not apply, use the credit shown below to reduce the
OTHER PERILS premium.
Vandalism Credit
$0.08
Per $1,000 of Insurance
7.2 Reserved for Future Use
7.3 Reserved for Future Use
7.4 Inflation Guard Coverage -- Coverages A and B
The Coverage A and B limits can be automatically increased on a quarterly basis. Apply
the rating information shown in this manual to all Coverage A and B premiums, including
premiums developed under Rule 7.6.
Inflation Guard
Fire
Other Perils
.5% Quarterly Increase
Surcharge-Coverages A And B
.75%
.75%
Endorsement FL-10
7.5 Loss Assessment
7.5.1. Without Earthquake
Coverage can be added for loss assessment charged to the insured when collectively
owned property is damaged by a peril insured against, other than earthquake. Use the
rating information shown below.
Without Earthquake
FP1
$7.07
Per $1,000 of Insurance
Without Earthquake
FP2
$9.45
Per $1,000 of Insurance
Endorsement FL -50
7.6 Private Structures
7.6.1. Reserved for Future Use
7.6.2. Specific Structures
Coverage may be provided for a specific private structure adjacent to a covered dwelling
for an additional charge. To be eligible for coverage under this rule, a private structure
cannot be:
 used for business purposes; or
 rented or held for rental to anyone other than a tenant of the residence, except for
use solely as a private garage.
Rev 4.1
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Use the Coverage A rating information for a one-family, owner-occupied dwelling in the
applicable territory, construction, and protection classification; apply the deductible
factors; and apply the Coverage B factors shown below. The perils and deductible
option must be the same for all Coverage A and Coverage B structures insured under
the same policy.
Form FP-1 Only: If the extended coverage perils apply but vandalism does not, reduce
the OTHER PERILS premium by the vandalism credit (Rule 7.1) before applying the
deductible and Coverage B factors.
Private Structures
Fire
Other Perils
Coverage B Factors
0.50
0.50
Describe the structure (Coverage B) on the declarations and show the limit that applies.
7.6.3. Residential Rental to Others
Private structures rented to others, or held for rental, for residential purposes can be
insured under Coverage A. Use the Coverage A rating information for a nonowneroccupied dwelling in the applicable territory, construction, protection, and occupancy
classification and apply the deductible factors. The perils and deductible option must be
the same for all Coverage A structures covered by the same policy.
Describe the structure (Coverage A) on the declarations and show the limit that applies.
7.6.4. Incidental Business Activities – Related Private Structure
A private structure on the premises with incidental business activities related to the
private structure can be covered by endorsement. Use the Coverage A rating
information for a one-family, owner-occupied dwelling in the applicable territory,
construction, and protection classification and apply the deductible factors. The perils
and deductible option must be the same for all Coverage A and Coverage B structures
covered by the same policy.
Endorsement FL –16 Incidental Business Activities – Related Private Structure
7.6.5. Reserved for Future Use
7.7 Theft Coverage
7.7.1. Reserved for Future Use
7.7.2. Limited
On-premises theft coverage can be added in $1,000 increments to policies that insure
personal property in owner-occupied dwellings. The maximum available limit is $5,000.
Use the rating information shown below.
Limited On-Premises
$26.25
Per $1,000 of Insurance
Endorsement FP FL -35
7.7.3. Protective Devices
The protective device factors shown below may be applied to the premium determined
for on-premises limited theft coverage when an approved and properly maintained
burglar alarm system has been installed.
Rev 4.0
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Protective Devices
Premium Modification
Factors
Central Station Alarms - Fire
.92
Police Department Alarms
.95
Local Alarms
.97
Endorsement FL -216
7.8 Replacement Value -- Personal and Miscellaneous Property
Personal property and other miscellaneous property can be insured for its replacement
value. Increase coverage C fire and other perils premium by 45%.
Endorsement FP FL-55
7.9 Reserved for Future Use
7.10 Reserved for Future Use
7.11 Coverage D - Additional Living Costs and Fair Rental Value
7.11.1. Form FP-1
Additional living costs coverage is not provided by this form. The policy automatically
includes coverage for fair rental value. The Coverage D basic limit cannot be increased.
7.11.2. From FP-2
The policy automatically includes coverage for additional living costs and fair rental
value. The Coverage D basic limit can be increased for an additional charge. The
Coverage D perils must be the same as the Coverage A perils. The additional charge
applies only to the amount of insurance in excess of the basic limit.
If the insured premises is a one- to four-family dwelling, calculate the Coverage D
charge by using the Coverage A base rating information for the territory, construction,
protection, and occupancy classification that applies to the dwelling where the insured
resides and apply the Coverage D factors shown below. Do not apply any deductible
factors. When the policy includes Coverage A, the Coverage D perils must be the same
as the Coverage A perils. If Coverage A does not apply, the Coverage D perils must be
the same as the Coverage C perils.
If the insured premises is a five-plus family building, calculate the Coverage D charge by
using the Coverage C rating information for the territory, construction, occupancy, and
protection classifications that apply to Coverage C and apply the Coverage D factors
shown below. The Coverage D perils must be the same as the Coverage C perils.
Show the Coverage D limit on the declarations.
Rev 4.0
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Coverage D Factors
Fire
Other Perils
One to Four Family Dwellings
0.40
0.40
Five-Plus Family Buildings
0.30
0.30
7.12 Tenant's Improvements -- Forms FP-1 and FP-2
When form FP-1 or FP-2 is issued to cover a tenant's personal property, incidental
coverage for the tenant's interest in permanent fixtures, alterations, decorations, and
additions is automatically extended for up to 10% of the Coverage C limit. Loss
settlement is on an actual cash value basis. No additional charge applies and no
endorsement is needed.
The limit that applies to tenant's improvements can be increased for an additional
charge. Use the "Each Add'l $1,000" rating information for the perils and the territory,
construction, protection, and occupancy classification that apply to Coverage C and
apply the deductible factors. The additional charge applies only to the amount of
insurance in excess of 10% of the Coverage C limit.
Endorsement FL-30
7.13 Reserved for Future Use
7.14 Reserved for Future Use
7.15 Reserved for Future Use
7.16 Reserved for Future Use
Rev 4.0
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7.17 Condominium Fixtures, Additions, and Alterations -7.17.1. Basic Perils Coverage
When policy form FP-1 is issued to a condominium unit-owner to cover the unit contents,
10% of the Coverage C limit is automatically extended to cover the unit-owner's interest
in fixtures, additions, alterations, structures, installations, and other building related
items. Coverage applies on a basic perils basis. No additional charge applies.
Attach Endorsement FP FL-31 and show the limit that applies (10% of the Coverage C
limit) on the declarations as Coverage A -- Condominium Fixtures, Additions, and
Alterations.
The 10% limit can be increased for an additional charge. Use the rating information
shown below for "Basic Perils -- Increased Limit". The additional charge applies only to
the amount of insurance in excess of 10% of the Coverage C limit.
Fire Rates
Per $1,000 of Insurance
Frame
Masonry
Protected
$5.18
$4.14
Semi-Protected
$8.03
$5.18
Unprotected
$10.10
$6.22
Extended Coverage Rates
Per $1,000 of Insurance
Inland
$0.25
Seacoast
$0.64
Beachfront
$2.32
Attach Endorsement FP FL-31 and show the total limit that applies on the declarations
as Coverage A -- Condominium Fixtures, Additions, and Alterations.
7.17.2. Broad Perils Coverage
When policy form FP-2 is issued to a condominium unit-owner to cover the unit contents,
10% of the Coverage C limit is automatically extended to cover the unit-owner's interest
in fixtures, additions, alterations, structures, installations, and other building related
items. Coverage applies on a broad perils basis. No additional charge applies.
Attach Endorsement FL-32 and show the limit that applies (10% of the Coverage C
limit) on the declarations as Coverage A -- Condominium Fixtures, Additions, and
Alterations.
The 10% limit can be increased for an additional charge. Use the rating information
shown below for "Broad Perils -- Increased Limit". The additional charge applies only to
the amount of insurance in excess of 10% of the Coverage C limit.
Rev 4.1
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Fire Rates
Per $1,000 of Insurance
Frame
Masonry
$6.93
$5.54
Semi-Protected $10.74
$6.93
Protected
Unprotected
$13.51
$8.31
Extended Coverage Rates
Per $1,000 of Insurance
Inland
$0.29
Seacoast
$0.76
Beachfront
$2.73
Attach Endorsement FL-32 and show the total limit that applies on the declarations as
Coverage A -- Condominium Fixtures, Additions, and Alterations.
7.17.3. Without Coverage C
Basic Perils
Basic form coverage can be provided for the unit-owner's interest in fixtures, additions,
alterations, structures, installations, and other building related items when coverage is
not provided for the unit contents. Use the FIRE and BASIC (FP-1) OTHER PERILS
rating information for three- to four-family nonowner-occupied dwellings in the applicable
territory, construction, and protection classification and apply the deductible factors.
Attach Endorsement FP FL-31 (Basic Perils) and show the limit that applies on the
declarations as Coverage A -- Condominium Fixtures, Additions, and Alterations.
Broad Perils
Broad form coverage can be provided for the unit-owner's interest in fixtures, additions,
alterations, structures, installations, and other building related items when coverage is
not provided for the unit contents. Use the FIRE and Broad (FP-2) OTHER PERILS
rating information for three- to four-family nonowner-occupied dwellings in the applicable
territory, construction, and protection classification and apply the deductible factors.
Attach Endorsement FL-32 (Broad Perils) and show the limit that applies on the
declarations as Coverage A -- Condominium Fixtures, Additions, and Alterations.
Rev 4.1
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7.18 Reserved for Future Use
7.19 Certified Terrorism Losses
The Association can endorse a policy covering the property exposures of premises that
are regularly rented or held for rental to others to include provisions pertaining to
coverage for certified terrorism losses. Under the Terrorism Risk Insurance Act of 2002
(the Act), the added provisions apply only in the event that the Secretary of the Treasury
determines that the exposures covered by the policy are subject to the Act or any
amendments thereto.
These rules apply only to policies written to cover the property and/or liability exposures
of premises that are regularly rented or held for rental to others.
Certified Terrorism Losses -- A certified terrorism loss is any loss that is covered by an
applicable coverage part and that results from an act of terrorism if:
1.
2.
such loss occurs:
a.
within the United States; or
b.
to an air carrier (as defined in section 40102 of title 49, United States
Code); to a United States flag vessel (or a vessel based principally in the
United States, on which United States income tax is paid and whose
insurance coverage is subject to regulation in the United States),
regardless of where the loss occurs; or at the premises of any United
States mission; and
the act of terrorism is certified by the Secretary of the Treasury, in concurrence
with the Secretary of State and the Attorney General of the United States:
a.
to be an act of terrorism;
b.
to be a violent act or an act that is dangerous to human life, property, or
infrastructure;
c.
to have resulted in damage:
1)
within the United States; or
2)
outside of the United States in the case of an air carrier or vessel
described in paragraph 1.b. above or at the premises of any United
States mission; and
d.
to have been committed by an individual or individuals acting on behalf of
any foreign person or foreign interest, as a part of an effort to coerce the
civilian population of the United States or to influence the policy or affect
the conduct of the United States Government by coercion.
An act of terrorism resulting in losses less than $5,000,000 in the aggregate will not be
certified by the Secretary of the Treasury as an act of terrorism.
Rev 4.0
Rules - 21
January 2008
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VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING PROPERTIES MANUAL
The Act requires The Association notify policyholders of the availability of coverage for
certified terrorism losses and the premium charge applicable to such coverage. The
premium will be waived for the portion of coverage The Association retains and the
Federal share of compensation for insured losses must be disclosed on a separate line
item of the policy. The separate line item requirement can be satisfied by indicating the
premium charge and Federal share of compensation on the Declarations page of the
policy; elsewhere within the policy; or in any rider or endorsement that is made a part of
the policy.
Attach endorsement FL 0670.
Rev 4.0
Rules - 22
January 2008
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VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING PROPERTIES MANUAL
Definition 1 -- FIRE PROTECTION DEFINITIONS
Protected
Building is located within five road miles of a responding fire
department and within 1,000 feet of a fire hydrant.
Partially Protected
Building is located within five road miles of a responding fire
department, but does not otherwise qualify for Protected
status.
Unprotected
All others.
Definition 2 -- CONSTRUCTION DEFINITIONS
Building or Fire Division
One part of an enclosed structure that is separated from
other parts of the structure by space or by masonry walls that
are at least eight inches thick and that go through or to the
underside of the roof. Any openings through such masonry
walls must be protected by fire doors that are approved for
installation on fire walls.
Fire Resistive
A dwelling with exterior walls, floors, and roof constructed
entirely of masonry or noncombustible materials on
incombustible supports and having a Fire Resistance Rating
of at least one hour.
Frame
A dwelling with exterior walls constructed of combustible
materials, such as wood, or constructed of incombustible
materials on combustible supports.
Masonry
A dwelling with exterior walls constructed of brick, concrete
block, concrete, tile, or other masonry materials or
constructed of incombustible materials on incombustible
supports.
Masonry Veneered
A dwelling with exterior walls constructed of a combustible
material covered with masonry. Dwellings of masonry
veneered construction will be classified as masonry for rating
purposes.
Mixed
Dwellings of mixed frame and masonry construction will be
classified as frame for rating purposes if walls of frame
construction exceed 33-1/3% of total exterior wall area.
Rev 4.1
Definitions - 23
January 2008
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VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING PROPERTIES MANUAL
Definition 3 -- TERRITORIAL DEFINITIONS
Independent City
Alexandria
EC Zone
Inland
Bedford
Inland
141
Bristol
Inland
106
Buena Vista
Inland
141
Charlottesville
Inland
141
Chesapeake
Seacoast
136
Clifton Forge
Inland
141
Colonial Heights
Inland
105
Covington
Inland
141
Danville
Inland
105
Emporia
Inland
105
Fairfax
Inland
140
Falls Church
Inland
140
Franklin
Inland
105
Fredericksburg
Inland
141
Galax
Inland
106
Hampton
Seacoast
133
Harrisonburg
Inland
141
Hopewell
Inland
105
Lexington
Inland
141
Lynchburg
Inland
141
Rev 4.1
Definitions - 24
Territory
139
January 2008
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VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING PROPERTIES MANUAL
Independent City
Manassas
EC Zone
Inland
Manassas Park
Inland
140
Martinsville
Inland
105
Newport News
Seacoast
132
Norfolk
Seacoast
135
Norton
Inland
107
Petersburg
Inland
105
Poquoson
Seacoast
134
Portsmouth
Seacoast
136
Radford
Inland
106
Richmond
Inland
130
Roanoke
Inland
137
Salem
Inland
138
South Boston
Inland
105
Staunton
Inland
141
Suffolk
Seacoast
136
Virginia Beach except Beach Area
Beach Area
Seacoast
Beachfront
110
111
Waynesboro
Inland
141
Williamsburg
Inland
141
Winchester
Inland
141
Rev 4.1
Definitions - 25
Territory
140
January 2008
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VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING PROPERTIES MANUAL
All of the following areas are designated as Beach Area in the Independent City of
Virginia Beach:
Starting northward from the North Carolina border, east of line running along the
western shore of Back Bay area to where Hell Point Creek empties into North Bay;
thence, along Hell Point Creek to Lake Tecumseh and Redwing Lake; from Redwing
Lake along a creek to Lake Christine; thence, along South Surfside Avenue to Dare
Drive and north to Lake Wesley; across Rudee Inlet to Atlantic Avenue, extending along
Atlantic Avenue to Cape Henry Lighthouse. Also, all islands that are a part of, or east of,
the Chesapeake Bay Bridge Tunnel.
County
Accomack except Beach Area
Beach Area
EC Zone
Seacoast
Beachfront
Albemarle
Inland
141
Allegheny
Inland
141
Amelia
Inland
105
Amherst
Inland
141
Appomattox
Inland
105
Arlington
Inland
140
Augusta
Inland
141
Bath
Inland
141
Bedford
Inland
141
Bland
Inland
107
Botetourt
Inland
141
Brunswick
Inland
105
Buchanan
Inland
107
Buckingham
Inland
105
Campbell
Inland
105
Rev 4.1
Definitions - 26
Territory
112
113
January 2008
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VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING PROPERTIES MANUAL
County
Caroline
EC Zone
Inland
Carroll
Inland
106
Charles City
Inland
141
Charlotte
Inland
105
Chesterfield
Inland
131
Clarke
Inland
141
Craig
Inland
141
Culpeper
Inland
141
Cumberland
Inland
105
Dickenson
Inland
107
Dinwiddie
Inland
105
Essex
Inland
141
Fairfax
Inland
140
Fauquier
Inland
141
Floyd
Inland
106
Fluvanna
Inland
141
Franklin
Inland
105
Frederick
Inland
141
Giles
Inland
107
Gloucester
Seacoast
134
Goochland
Inland
141
Grayson
Inland
106
Rev 4.1
Definitions - 27
Territory
141
January 2008
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VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING PROPERTIES MANUAL
County
Greene
EC Zone
Inland
Greensville
Inland
105
Halifax
Inland
105
Hanover
Inland
141
Henrico
Inland
131
Henry
Inland
105
Highland
Inland
141
Isle of Wight
Seacoast
136
James City
Inland
141
King and Queen
Inland
141
King George
Inland
141
King William
Inland
141
Lancaster
Seacoast
134
Lee
Inland
107
Loudoun
Inland
140
Louisa
Inland
141
Lunenburg
Inland
105
Madison
Inland
141
Mathews
Seacoast
134
Mecklenburg
Inland
105
Middlesex
Seacoast
134
Montgomery
Inland
106
Rev 4.1
Definitions - 28
Territory
141
January 2008
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VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING PROPERTIES MANUAL
County
Nelson
EC Zone
Inland
New Kent
Inland
141
Northampton except Beach Area
Beach Area
Seacoast
Beachfront
112
113
Northumberland
Seacoast
134
Nottoway
Inland
105
Orange
Inland
141
Page
Inland
141
Patrick
Inland
106
Pittsylvania
Inland
105
Powhatan
Inland
105
Prince Edward
Inland
105
Prince George
Inland
105
Prince William
Inland
140
Pulaski
Inland
106
Rappahannock
Inland
141
Richmond
Inland
141
Roanoke
Inland
138
Rockbridge
Inland
141
Rockingham
Inland
141
Russell
Inland
107
Scott
Inland
107
Shenandoah
Inland
141
Rev 4.1
Definitions - 29
Territory
141
January 2008
Includes copyrighted material from American Insurance Services, Inc., with its permission
VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING PROPERTIES MANUAL
County
EC Zone
Territory
Smyth
Inland
106
Southampton
Inland
105
Spotsylvania
Inland
141
Stafford
Inland
141
Surry
Inland
105
Sussex
Inland
105
Tazwell
Inland
107
Warren
Inland
141
Washington
Inland
106
Westmoreland
Inland
141
Wise
Inland
107
Wythe
Inland
106
York
Seacoast
134
All of the following areas are designated as Beach Area in the Counties of Accomack
and Northampton.
The following and similar localities not specifically named, being the marshlands, necks
and island east of the Eastern shore Peninsula:
Adams Island
Hog Island
Myrtle Island
Assateague Island
Little Cobb Island
Parramore Island
Assawaman Island
Long Point Island
Piney Island
Cedar Island
Matomkin Island
Ship Shoal Island
Chincoteague Island
Mink Island
Smith Island
Cobb Island
Mockhorn Island
Wallops Island
Fisherman Island
Morris Island
Wreck Island
Rev 4.1
Definitions - 30
January 2008
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VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING PROPERTIES MANUAL
Definition 4 -- FIRE PREMIUM GROUP CHART
Territory
Protected
Partially Protected
Unprotected
Masonry
All
4
5
6
2
3
Frame
All
Rev 4.1
1
Definitions - 31
January 2008
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DWELLING
LIABILITY
PROGRAM
This Manual Contains Final Rates
July 2014
VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING LIABILITY MANUAL
Rule 1. ELIGIBILITY — PERSONAL COVERAGES
1.1 Personal Liability Coverage
Personal Liability Coverage may be provided for a person maintaining a residence in a
one-to-two family owner occupied dwelling. Personal Liability Coverage may also be
provided for a resident non-owner maintaining a residence in a located in a one- to fourfamily dwelling, row house or townhouse, mobile home, related private structure,
apartment, condominium unit, or other structure.
Rule 2. PROGRAM DESCRIPTION — PERSONAL COVERAGES
2.1 Mandatory Coverages
The following is a general description of the coverages provided by Form FPGL-1. The
coverage parts state the complete conditions.
2.1.1. Coverage L — Liability
Coverage L pays on behalf of the insured for damages due to bodily injury or property
damage caused by an occurrence arising out of the insured premises or the insured's
personal activities.
2.1.2. Coverage M — Medical Payments to Others
Coverage M pays medical expenses, incurred by persons who are not insureds, for
bodily injury related to the insured premises or the insured's personal activities.
2.2 Limits of Liability
The basic limits of liability for each coverage are:

Coverage L — $100,000 Per Occurrence

Coverage M — $1,000 Per Person
$25,000 Per Accident
Rule 3. POLICYWRITING INSTRUCTIONS
Unless indicated otherwise, this rule applies to the Personal Liability Coverages.
3.1 Policy Issue — Personal Coverages
The Personal Liability Coverages described in this manual must be issued as
endorsements to dwelling fire policies.
3.1.1. Reserved for Future Use
3.1.2. Package Policies
When Personal Liability Coverage is used as an endorsement to a dwelling fire policy,
the policy conditions that address assignment, cancellation, change, inspections and
examination of books also govern Personal Liability Coverage.

Rev 3.3
Fire and Personal Liability Package
Rules - 1
Fire Policy + FPGL-1
July 2014
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VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING LIABILITY MANUAL
3.2 Reserved for Future Use
3.3 Mandatory Endorsements
A dwelling fire policy may be endorsed to provide liability protection by attaching the
following forms. If liability coverage is requested the following forms must be attached to
the policy.
FPGL-1
Personal Liability Coverage
In addition to the mandatory forms listed above, the following optional endorsements
may be attached along with form FPGL-1
GL-70
Additional Insured
FP DL 00 02 Request for Issuance With Restrictions in Coverage
3.4 Reserved for Future Use
3.5 Reserved for Future Use
3.6 Additional Interests — Personal Liability Coverages
3.6.1. Interests Permitted
Personal Liability Coverage may be extended to include the additional interests
described below at no additional premium charge. Coverage is limited to the specific
insurable interest in the premises.
<
A person or organization with an interest in the insured's location, except as
specified in 3.6.2.
Endorsement GL-70 Additional Insured
3.6.2. Interests Not Permitted
A tenant or lessee may not be included as an Additional Interest under the Personal
Coverages.
3.7 Reserved for Future Use
3.8 Cancellation or Reduction in Limits of Liability or Coverages
Mandatory dwelling coverages may not be canceled unless Personal Liability Coverage
is canceled.
Coverage must be canceled in accordance with the terms of applicable cancellation
provisions. Return premium, if any, is computed on a pro rata basis.
3.9 Restriction of Coverage
If a policy would not be issued because of unusual exposures, the applicant may request
a restriction of coverage at no reduction in premium. The request, signed by the
applicant, must be referred to the company. Each request must be submitted by the
company to the State Corporation Commission, Bureau of Insurance.
Endorsement FP DL 00 02
Rev 4.0
Rules - 2
January 2005
Includes copyrighted material from American Insurance Services, Inc., with its permission
VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING LIABILITY MANUAL
Rule 4. PREMIUM DETERMINATION — PERSONAL LIABILITY
COVERAGES
4.1 Rating Basis
The rating basis shown for each classification described in Rule 5 is used to calculate
the premium for the various Personal Liability exposures.
4.2 Required Coverages
Coverage is required for the following exposures if they exist:
<
All residence premises of the named insured.
4.3 Calculation of Premium
The premium is computed as follows:
4.3.1. Use Rule 5 to determine the classifications for all required and optional
coverages. Calculate the number of rating bases for each classification.
4.3.2. Use the following table to obtain the rates, at the appropriate limit, for the
classifications determined in 4.3.1.
Code
Description
Premium
701 00
Initial Residence — one family
$65
702 00
Additional Charge for a Two Family Dwelling or Two
to Four Family Townhouse
$33
4.3.3. Reserved for Future Use
4.3.4. Multiply the rates determined in 4.3.3 by the respective number of rating
bases determined in 4.3.1. The sum of these products is the policy premium.
Rule 5. CLASSIFICATIONS — PERSONAL LIABILITY COVERAGES
5.1 Classifications that apply to Personal Liability
5.1.1.
Residences
A residence includes incidental garages and stables. Each portion of an additional
residence to be insured must be individually rated.
Code No.
Rating Basis
700 00
Initial Residence — one family ............................................................ each
701 00
Additional Charge for a Two Family Dwelling or Townhouse per family unit
If two or more persons co-own and occupy separate portions of a two- family dwelling, a
single policy may be issued to cover these persons as named insureds. Compute the
premium for each portion using Code No. 700 00.
Endorsement GL-70 — Additional Insureds
Rev 4.0
Rules - 3
January 2005
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VIRGINIA PROPERTY INSURANCE ASSOCIATION
DWELLING LIABILITY MANUAL
5.1.2. Reserved for Future Use
5.1.3. Business Activities
No coverage will be provided if there are any business pursuits carried on at the insured
premises. See the Manual of Operational Procedures for eligibility requirements.
Rev 4.0
Rules - 4
January 2005
Includes copyrighted material from American Insurance Services, Inc., with its permission
FP-1 (01-08)
-- READ THIS ENTIRE POLICY CAREFULLY -IT IS A LEGAL CONTRACT
Ed 2.1
BASIC FORM
The following Table of Contents shows how the policy is organized. It will help you locate particular sections of the
policy.
TABLE OF CONTENTS
Agreement .......................................................................................................................
Page
1
Waiver of Small Premiums ..............................................................................................
1
Definitions ........................................................................................................................
2
Principal Coverages ........................................................................................................
2
Incidental Coverages.......................................................................................................
4
Perils Insured Against -- Coverages A, B, C, and D........................................................
5
General Exclusions..........................................................................................................
6
What You Must Do in Case of Loss.................................................................................
7
How Much We Pay for Loss or Claim..............................................................................
8
Payment of Loss ..............................................................................................................
9
Policy Conditions .............................................................................................................
9
Required state endorsements may also be part of this policy.
Refer to the Definitions for words that have special meaning. These words are shown in "bold type".
AGREEMENT
This policy, subject to all of its terms, provides property insurance and other described coverages during the
policy period. In return you must pay the required premium. Each of the Principal Coverages described in this
policy applies only if a limit is shown on the Declarations for that coverage.
WAIVER OF SMALL PREMIUMS
When this policy is endorsed subsequent to the effective date, any additional or return premiums of $10.00 or less,
will be waived by the Virginia Property Insurance Association. However, if the insured requests a refund, the
Association will honor such request.
FP-1 (01-08)
Page 1 of 11
Ed 2.1
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DEFINITIONS
1. The words you and your mean the person or
persons named on the Declarations and your
spouse if a resident of your household. The words
we, us, and our mean the company providing this
insurance.
2. Business means a trade, profession, or occupation
including farming, all whether full or part time.
3. Credit Card means a card, plate, coupon book, or
other credit device used to obtain money, property,
labor, or services on credit. This includes debit cards
or fund transfer cards used to deposit, withdraw or
transfer funds.
4. Insured Premises means the location shown on the
Declarations.
5. Limit means the limit of liability that applies.
6. Motorized Vehicle means a self-propelled land or
amphibious vehicle regardless of method of surface
contact.
7. Terms means all provisions, limitations, exclusions,
conditions, and definitions used in this policy.
PRINCIPAL COVERAGES
Coverage A -- Residence
1. We cover the residence on the insured premises,
including its additions, built-in components, and
attached fixtures. On the insured premises, we also
cover:
attached fixtures. Structures that are connected to
the residence by only a fence, a utility line, or a
similar connection are not considered attached. On
the insured premises, we also cover:
a. fences, driveways, and sidewalks;
b. other permanently installed outdoor fixtures;
a. building items that can be detached from the
covered residence, such as screens and storm
doors;
b. appliances, carpets, and window coverings in that
part of the residence you rent to others;
c. building materials and supplies for use in
construction of or to the residence; and
d. if this policy does not provide Coverage C, tools
and equipment used to service the insured
premises. This includes motorized vehicles
used only to service the insured premises that
are not required to be licensed for road use.
2. Coverage A does not cover:
a. land, including the land on which the property is
located, underground water or surface water;
b. trees, plants, shrubs, and lawns; and
c. farm tools, farm equipment, and farm motorized
vehicles.
Coverage B -- Related Private Structures
1. We cover related private structures on the insured
premises which are not attached to the residence,
including their additions, built-in components, and
c. building materials and supplies for use in
construction of or to a related private structure;
and
d. building items that can be detached from covered
related private structures, such as screens and
storm doors.
2. Coverage B does not cover:
a. land, including the land on which the property is
located, underground water or surface water;
b. trees, plants, shrubs, and lawns;
c. structures used for business; and
d. structures rented or held for rental. This does not
apply to structures:
1) rented or held for rental to a tenant of the
covered residence and not used for business
by the tenant; or
2) used solely as a private garage.
Coverage C -- Personal Property
1. While on the Insured Premises -- This policy
covers personal property, while on the insured
premises, which is usual to the occupancy of the
dwelling as a residence. The personal property must
be owned or used by you or your family members
who reside with you.
FP-1 (01-08)
Page 2 of 11
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2. While Away from the Insured Premises -- You
may apply up to 10 percent of the Coverage C limit
to cover personal property, while away from the
insured premises, which is usual to the occupancy
of the dwelling as a residence. The personal property
must be owned or used by you, or your family
members who reside with you.
3. While in a Newly Acquired Principal Residence
-- We pay for loss to covered personal property in a
newly acquired principal residence. The full
Coverage C limit applies for 30 days from the date
you begin to move. After that, coverage for personal
property in a newly acquired principal residence is
limited to 10 percent of the Coverage C limit. This
coverage does not extend past the date on which the
policy expires or the date on which the policy is
terminated.
6. Personal Property Not Covered -- Coverage C
does not cover:
a. land, including the land on which the property is
located, underground water or surface water;
b. trees, plants, shrubs, and lawns;
c. animals, birds, or fish;
d. motorized vehicles. This includes their parts,
equipment, and accessories while in or on a
motorized vehicle. We do cover motorized
vehicles that are not subject to motor vehicle
registration if they are designed and used to
assist the handicapped or used only to service
the insured premises;
e. aircraft, including their parts and equipment;
4. Property of Others -- At your option, personal
property owned by a guest or domestic employee is
covered while it is in that part of the insured
premises occupied by you.
5. Limitations on Certain Property -- The special
limits shown below do not increase the Coverage C
limit. The limit for each class is the total limit per
occurrence for all items in that class.
a. $200 on money, bank notes, bullion, gold other
than goldware and gold-plated ware, silver other
than silverware and silver-plated ware, platinum,
coins, and numismatic property.
f. electronic devices, accessories, or antennas for
the transmitting, recording, receiving or
reproduction of sound that may be operated from
the electrical system of a motorized vehicle,
farm equipment, or watercraft while in or on the
motorized vehicle, farm equipment, or
watercraft. This includes tapes, wires, discs,
records, or other media for use with such devices;
g. loss that results from credit cards; or
h. farm property.
Coverage D -- Fair Rental Value
b. Regardless of their storage medium, $1,000 on
securities, bills, letters of credit, notes other than
bank notes, tickets, accounts, deeds, evidence of
debt, passports, manuscripts, stamps, and
philatelic property.
c. $1,000 on watercraft including their trailers,
furnishings, equipment, and motors.
d. Business property, up to the amounts shown
below:
1) while on the insured premises, $2,500 on
business property that pertains to a
business actually conducted on the insured
premises;
2) $250 while away from the insured premises.
We pay for the fair rental value if the part of the insured
premises rented or held for rental to others is made
unfit for use by an insured loss. We only pay for the
period of time reasonably required to make that part of
the insured premises rented or held for rental to others
fit for use. Fair rental value is the amount you would
have received less the charges and expenses that do
not continue while the insured premises is unfit for use.
This period of time is not limited by the policy period.
We pay your fair rental value for up to two weeks if the
premises next to the insured premises is damaged by
a peril insured against and you may not, by order of civil
authority, use the insured premises. This period of time
is not limited by the policy period.
We do not pay fair rental value due to the cancellation of
a lease or an agreement.
e. $1,000 on trailers not otherwise provided for.
FP-1 (01-08)
Page 3 of 11
Ed 2.1
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INCIDENTAL COVERAGES
This policy provides the following Incidental Coverages.
They are subject to all of the terms of the applicable
Coverages A, B, or C. They are not extended to farm
property. These coverages provide additional insurance
unless otherwise stated.
1. Emergency Removal -- We pay for loss to covered
property that is moved to prevent loss by a peril
insured against. The property is covered for direct
physical loss for up to 30 days. This coverage does
not extend past the date on which this policy
terminates.
We pay up to a $250 towing charge to move a
covered mobile home that is in danger from a peril
insured against.
This coverage does not increase the limits shown
for the property being removed.
2. Debris Removal -- We pay for the cost to remove
the debris of covered property after an insured loss.
This includes the cost to remove volcanic ash, dust,
or particulate matter that causes direct physical loss
to covered property.
We will not pay more for direct loss to property and
debris removal combined than the limit that applies
to the damaged property.
We also pay the cost to remove fallen trees which
cause damage to property covered under Coverages
A, B, or C if:
a. the falling of the tree is caused by any of the
perils insured against; and
b. coverage is not provided elsewhere by this policy.
Regardless of the number of fallen trees, the most
we will pay is $500 per occurrence.
3. Trees, Plants, Shrubs, or Lawns -- We pay for loss
to trees, plants, shrubs, or lawns on the insured
premises caused by:
a. fire or lightning, explosion, riot or civil commotion,
aircraft;
b. vehicles, if not owned or operated by you or an
occupant of the insured premises; or
c. if covered by this policy, vandalism or theft.
We do not cover trees, plants, shrubs, or lawns
grown for business.
You may apply up to 5 percent of the Coverage A
limit on the insured premises to cover trees, plants,
shrubs, or lawns. We do not pay more than $500 for
each tree, plant, or shrub. This includes the cost to
remove the debris of the covered item.
4. Fire Department Service Charge -- We pay up to
$500 for charges assumed by you under a contract
or agreement when a fire department is called to
protect covered property from a peril insured against.
5. Tenant's Improvements -- If you are a tenant, we
pay for loss by perils insured against to
improvements on the insured premises made or
acquired at your expense. These are permanent
fixtures, alterations, decorations, and additions.
You may apply up to 10 percent of the Coverage C
limit to cover tenant's improvements.
6. Grave markers -- We pay up to $500 for loss to
grave markers and mausoleums caused by any of
the perils insured against.
PERILS INSURED AGAINST -- COVERAGES A, B, C, AND D
We insure against direct physical loss caused by the
following perils, unless the loss is excluded under the
General Exclusions:
1. Fire or Lightning
2. Explosion
Optional Perils -- Extended Coverage -- The following
perils (Numbers 3 through 9) are subject to an additional
premium charge and apply only if coverage for
Extended Coverage is shown on the Declarations.
3. Windstorm or Hail -- However, we do not pay for
loss:
a. to the interior of a building or mobile home, or to
property inside a structure caused by dust, rain,
sand, sleet, snow or water, all whether driven by
wind or not, which enter through an opening not
made by the direct force of wind or hail;
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b. to watercraft and their trailers, furnishings,
equipment and motors unless inside a fully
enclosed building. (We do cover canoes and
rowboats while on the insured premises.); or
c. to outdoor antennas, including their lead-in wiring,
masts and towers;
action of water on a limestone or similar rock
formation.
However, we do not cover the value of land or the
cost of filling sinkholes.
9. Volcanic Action -- This means:
a. airborne volcanic blast or airborne shock waves;
4. Riot or Civil Commotion
b. ash, dust, or particulate matter; or
5. Aircraft -- This means direct loss from actual
physical contact of an aircraft with covered property
and includes objects falling from aircraft.
6. Vehicles -- However, we do not pay for loss to
fences, driveways and walks caused by a vehicle
owned or operated by you or an occupant of the
insured premises.
7. Sudden and Accidental Damage from Smoke -However, we do not pay for loss caused by smoke
from agricultural smudging or industrial operations.
8. Sinkhole Collapse -- This means loss caused by
sudden settlement or collapse of earth supporting
covered property. The earth settlement or collapse
must result from subterranean voids created by the
c. lava flow.
However, we do not cover removal of ash, dust, or
particulate matter that does not cause direct physical
loss to covered property.
Optional Peril -- Vandalism -- This peril (Number 10) is
subject to an additional premium charge and applies
only if coverage for Vandalism is shown on the
Declarations.
10. Vandalism -- However, we do not pay for loss on
the insured premises if the residence is vacant for
more than 30 days in a row just before the loss. A
residence being built is not vacant.
GENERAL EXCLUSIONS
We do not pay for loss if one or more of the following
exclusions apply to the loss, regardless of other causes
or events that contribute to or aggravate the loss,
whether such causes or events act to produce the loss
before, at the same time as, or after the excluded
causes or events.
1. Civil Authority -- We do not pay for a loss which
results from order of civil authority.
We pay for loss which results from acts of a civil
authority to prevent the spread of fire. We do not pay
if the fire was caused by an excluded peril.
2. Earth Movement -- We do not pay for loss which
results from earth movement whether the earth
movement results from natural or artificial causes.
Earth movement includes but is not limited to:
a. earthquake;
b. landslide, subsidence, erosion;
c. mudflow;
d. earth sinking, rising, shifting, expanding, or
contracting. This does not include Sinkhole
Collapse as described under Perils Insured
Against; or
e. volcanic explosion. Volcanic explosion does not
include Volcanic Action as described under Perils
Insured Against.
We do pay for direct loss caused by fire, explosion
(other than a volcanic explosion) and, if covered by
this policy, theft resulting from earth movement.
3. Intentional Acts -- We do not provide coverage for
an insured who commits or directs an act with the
intent to cause a loss.
4. Neglect -- We do not pay for loss which results from
your neglect to use all reasonable means to save
and preserve covered property at and after the time
of a loss.
5. Nuclear Hazard -- We do not pay for loss which
results from nuclear reaction, nuclear radiation, or
radioactive contamination (whether controlled or
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uncontrolled; whether caused by, contributed to or
aggravated by a peril insured against and whether
caused by natural, accidental, or artificial means).
Loss caused by nuclear hazard is not considered
loss caused by fire, explosion, or smoke. Direct loss
by fire resulting from the nuclear hazard is covered.
6. Ordinance or Law -- We do not pay for loss or
increased cost which results from the enforcement of
a code, ordinance, or law which regulates the use,
construction, repair, demolition of property, or
removal of its debris.
7. Power Disruption -- We do not pay for loss which
results from the disruption of power or other utility
service, whether or not it is caused by a peril insured
against, if the cause of the disruption is not on the
insured premises.
We do pay for direct loss by a peril insured against
which occurs on the insured premises as a result of
the disruption of power.
8. War -- We do not pay for loss which results from
declared or undeclared war, civil war, insurrection,
rebellion, revolution, warlike act by a military force or
military personnel, or destruction, seizure, or use of
property for a military purpose. It includes the
consequences of these. Discharge of a nuclear
weapon is deemed an act of war even if it is
accidental.
9. Water Damage -- We do not pay for loss which
results from the following:
a. flood, surface water, waves, tidal water, overflow
of a body of water, or spray, all whether driven by
wind or not;
b. water which backs up through or overflows from
sewers, drains, or sumps; or
c. water below the surface of the ground. This
includes water which exerts pressure on, or
seeps or leaks through or into a building,
sidewalk, driveway, foundation, swimming pool,
or other structure.
We pay for direct loss caused by fire; explosion
(other than a volcanic explosion); and, if covered by
this policy, theft resulting from water damage.
10. Weather Conditions -- We do not pay for loss which
results from weather conditions that initiate, set in
motion, or in any way contribute to losses excluded
under the preceding General Exclusions (Numbers 1
through 9).
We do pay for an ensuing loss unless the ensuing
loss itself is excluded.
11. Errors, Omissions, and Defects -- We do not pay
for loss which results from one or more of the
following:
a. an act, error, or omission (negligent or not)
relating to:
1) land use;
2) the design, specification, construction,
workmanship, or installation of property;
3) planning, zoning, development, surveying,
siting, grading, compaction; or
4) maintenance of property (including land,
structures, or improvements);
whether on or off the insured premises;
b. a defect, a weakness, the inadequacy, a fault, or
unsoundness in materials used in construction or
repair whether on or off the insured premises.
We do pay for an ensuing loss unless the ensuing
loss itself is excluded.
12. Wear and Tear -- We do not pay for loss which
results from wear and tear, marring, deterioration,
inherent vice, latent defect, mechanical breakdown,
rust, wet or dry rot, corrosion, mold, contamination,
or smog. We do pay for an ensuing loss unless the
ensuing loss itself is excluded.
WHAT YOU MUST DO IN CASE OF LOSS
1. Notice -- In case of a loss, you must give us or your
agent prompt notice (We may request written notice).
The notice to us must state:
a. your name, the policy number and the time,
place, and the details of the loss; and
b. the names and addresses of all known potential
claimants and witnesses.
2. Other Duties -- You must take all reasonable steps
to protect covered property at and after an insured
loss to avoid further loss. We will pay the reasonable
costs incurred by you for necessary repairs or
emergency measures performed solely to protect
covered property from further damage by a peril
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insured against if a peril insured against has already
caused a loss to covered property. You must keep
an accurate record of such costs. However, we will
not pay for such repairs or emergency measures
performed on property which has not been damaged
by a peril insured against. This does not increase
our limit.
personal property involved in the loss. You
must give us copies of all bills, receipts, and
related documents to confirm these;
b. submit to examination under oath in matters that
relate to the loss or claim as often as we
reasonably request;
c. show the damaged property as often as we
reasonably request;
At our request you must:
a. give us a signed, sworn proof of loss, within 60
days after our request, that shows:
1) the time, place, and the details of the loss;
2) your interest and the interest of all others in
the property. This includes all mortgages and
liens;
3) other policies that may cover the loss;
4) changes in title or use;
5) available plans and specifications of buildings;
6) detailed estimates for repair; and
7) in detail, the quantity, description, cost,
amount of loss, and actual cash value of the
d. show records, including tax returns and bank
records of all canceled checks that relate to the
value, loss, and costs, and permit copies to be
made of them as often as we reasonably request;
and
e. show records that prove loss of rents and show
receipts for additional living costs, and permit
copies to be made of them as often as we
reasonably request.
HOW MUCH WE PAY FOR LOSS OR CLAIM
Loss Settlement Terms -- Subject to the deductible or
other limitation that applies, we pay the lesser of:
a) the limit that applies;
b) your interest in the property; or
c) the amount determined under the Actual Cash Value
Terms.
1. Actual Cash Value Terms -- Actual cash value
includes a deduction for depreciation, however
caused. The smallest of the following amounts is
used in applying the Loss Settlement Terms:
a. the cost to repair or replace the property with
materials of like kind and quality;
b. the actual cash value of the property at the time
of loss; or
c. (applies only to mobile homes) the difference in
the actual cash value just before the loss and the
actual cash value just after the loss.
2. Deductible -- This applies to Coverages A, B, and
C; Debris Removal; Trees, Plants, Shrubs and
Lawns; and Tenant's Improvements. It applies to all
perils insured against unless otherwise shown.
We pay that part of the loss over the deductible. Not
more than one deductible applies per occurrence. If
this policy covers more than one residence, the
deductible applies separately to each residence.
3. Loss to a Pair or Set -- If there is loss to an item
which is part of a pair or set, we pay only to replace
or repair the item, or we pay the difference in the
actual cash value of the pair or set just before the
loss and the actual cash value just after the loss.
4. Insurance Under More Than One Coverage -- If
more than one coverage of this policy applies to a
loss, we pay no more than the actual loss.
5. Insurance Under More Than One Policy -- If there
is other insurance that applies to the loss, we pay
our share of the loss. Our share is that part of the
loss that the limit of this policy bears to the total
amount of insurance that applies to the loss.
6. Restoration of Limits -- Each loss we pay under
this policy does not reduce the limits available over
the policy term.
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PAYMENT OF LOSS
1. Your Property -- We adjust each loss with you. We
pay an insured loss within 30 days after an
acceptable proof of loss is received and the amount
of the loss is agreed to in writing. If you and we do
not agree, we pay within 30 days after the filing of an
appraisal award with us. Payment is made to you
unless a loss payee is named.
a. to you on behalf of the owner; or
b. to the owner. If we pay the owner, we do not
have to pay you.
4. Our Options -- We may:
a. pay the loss in money; or
2. Fair Rental Value – If the insured premises is unfit
for use for more than one month, covered costs are
paid on a monthly basis. You must give us proof of
such costs.
b. rebuild, repair or replace the property. We must
give you notice of our intent to do so within 30
days after we receive an acceptable proof of loss.
3. Damage to Personal Property of Others -- At our
option, an insured loss may be adjusted with and
paid:
We may take all or part of the damaged property at
the agreed or appraised value. Property paid for or
replaced by us becomes ours.
POLICY CONDITIONS
1. Abandonment of Property -- You may not abandon
the property to us unless we agree.
two of these three will establish the amounts stated
above.
2. Appraisal -- If you and we do not agree on the
amount of the loss, the actual cash value of the
property or the cost to repair or replace the property,
either party may demand that these amounts be
determined by appraisal.
Each appraiser will be paid by the party selecting
that appraiser. The compensation of the umpire and
other costs of the appraisal will be shared equally by
you and us.
If either party makes a written demand for appraisal,
each will select a competent independent appraiser
and notify the other of the appraiser's identity within
20 days after the receipt of the written demand. The
two appraisers will select a competent, impartial
umpire. If the two appraisers are unable to agree
upon an umpire within 15 days, you or we can ask a
judge of a court of record in the state where the
property is located to select an umpire.
For each building item and each item of personal
property, the appraisers will determine:
a. the amount of the loss;
b. the actual cash value of the property; and
c. the cost to repair or replace the property.
Each amount will be stated separately.
If the appraisers submit a written report of an
agreement to us, the agreement will establish these
amounts. If the appraisers fail to agree within a
reasonable time, they will submit only their
differences to the umpire. A written agreement by
If we make the written demand for an appraisal, we
will pay:
a. the reasonable and necessary cost for your
appraiser; and
b. your share of the cost for the umpire.
3. Assignment -- This policy may not be assigned
without our written consent.
4. Cancellation -- You or your duly constituted
attorney-in-fact may cancel this policy by returning
the policy to us or by giving us written notice and
stating at what future date coverage is to stop.
We may cancel this policy or any of the following
applicable endorsements:
Personal Liability
endorsement
or
Limited
Theft
coverage
endorsement only for the reasons stated below by
letting you know in writing of the date of cancellation
takes effect.
This cancellation notice may be
delivered to you or mailed to you at your mailing
address shown in the declarations.
Proof of mailing will be sufficient proof of notice.
When the policy in effect for less than 90 days:
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Association may cancel for any reason on ten(10)
days written notice to insured and mortgagee on
owner occupied dwellings and five (5) days written
notice to insured and ten (10) days to mortgagee on
other than owner-occupied dwellings.
When policy in effect for more than 90 days:
Notice of Cancellation shall be 30 days except: ten
(10) days to insured and mortgagee on owner
occupied dwellings and five (5) days to insured
and ten (10) days to mortgagee on other than
owner-occupied dwellings for the following
underwriting standards or conditions.
a. Evidence of owner or occupancy incendiarism;
b. Building in which at least sixty-five (65%)
percent of the rental units in the building are
vacant or unoccupied and left unprotected
against trespass (a rental unit will be deemed to
be left unprotected against trespass when an
entrance door to such unit [or an exterior door to
a hall, stairway, or other common passage
leading to such unit], is open, missing, unlocked
or unsecured, or when a window in such unit
which is accessible to entry is not protected
against unauthorized entry);
c. Fire damage exists and the insured has stated,
or such time has elapsed as clearly indicates
that the damage will not be repaired;
d. Buildings in which following a fire, permanent
repairs following satisfactory adjustment of loss
have not commenced within sixty (60) days;
e. Property has been abandoned or there has been
removal of undamaged salvageable items from
the building and the insured can give no
reasonable explanation for such removal;
f. Utilities such as electric, gas, or water services
have been disconnected and the insured has
failed to pay his account for such services within
120 days;
g. Where reliable information exists that there is
good cause to believe that the building will be
burned for the purpose of collecting the
insurance on the property;
h. Conviction or unresolved indictment of a named
insured or loss payee or any other person
having a financial interest in the property of the
crime of arson or a crime involving a purpose to
defraud an insurance company;
i. Where the building has been subject to more
than two (2) fires, each loss amounting to at
least $500 or one (1%) percent of the insurance
in force, whichever is greater, in any twelve (12)
month period; or more than three (3) such fires
in any twenty-four (24) month period, provided
that the cause of such fires is due to conditions
which are the responsibility of the owner-named
insured;
j. If the policy includes vandalism coverage, where
the building has been subject to more than four
(4) vandalism losses each loss amounting to at
least $500 or one percent (1%) of the insurance
in force, whichever is greater, in any twelve (12)
month period, or more than six (6) such losses in
any twenty-four (24) month period;
k. Non-payment of premium;
l. Buildings which have characteristics of
ownership, condition, occupancy or maintenance
which are violative of public policy;
m. Buildings which are in danger of collapse
because of serious structural conditions, or
those buildings which are in such a state of
disrepair as to be dilapidated (except buildings
actually in the course of repair or
reconstruction);
n. Buildings on which, because of their physical
condition, there is an outstanding order to
vacate, an outstanding demolition order, or
which has been declared unsafe in accordance
with applicable law;
o. Buildings which become vacant or unoccupied
for sixty (60) consecutive days during the policy
term (except buildings which have a seasonal
occupancy and buildings actually in the course
of construction or repair and reconstruction
which are properly secured against unauthorized
entry).
p. Physical changes in the property which result in
the property becoming uninsurable as
determined from physical inspection of insured
premises.
If the premium has not been paid when due, we will
give you notice at least 15 days before cancellation
is effective. Otherwise, we will give you notice at
least 45 days in advance of cancellation.
Your return premium, if any, will be refunded on a
pro rata basis at the time of cancellation or as soon
as practical. Payment or tender of the unearned
premium is not a condition of cancellation.
5. Reserved for Future Use
6. Change, Modification, or Waiver of Policy Terms
-- A waiver or change of the terms of this policy must
be issued by us in writing to be valid. If, in the policy
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period, we adopt a revision which broadens
coverage without an additional premium, the
broadened coverage will apply.
Our request for an appraisal or examination under
oath does not waive policy terms.
7. Conformity With Statute -- Terms in conflict with
the laws of the state where the insured premises is
located are changed to conform to such laws.
8. Death -- On your death, protection on your covered
property passes to:
a. your legal representative; or
b. any other persons having proper, temporary
custody of covered property.
9. Inspection -- We may, but are not required to,
inspect your property and operations. Our
inspection or resulting advice or report does not
warrant that your property or operations are safe or
healthful or comply with laws, rules, or regulations.
10. Misrepresentation, Concealment, or Fraud -- We
do not provide coverage if, before or after a loss:
a. an insured has
misrepresented:
willfully
concealed
or
1) a material fact or circumstance with respect to
this insurance; or
2) an insured's interest herein; or
b. there has been fraud or false swearing by an
insured with respect to this insurance or the
subject thereof.
11. Mortgage Clause -- This applies only to coverage
on buildings. The word "mortgagee" includes trustee.
a. If a mortgagee is named on the Declarations, a
loss payable under Coverages A or B will be paid
to the mortgagee and you, as interests appear. If
more than one mortgagee is named, the order of
payment will be the same as the order of
precedence of the mortgages.
If we deny your claim, that denial does not apply
to a valid claim of the mortgagee, if the
mortgagee has:
1) notified us of change in ownership,
occupancy, or substantial change in risk of
which the mortgagee became aware;
2) paid the premium due under this policy on
demand if you neglected to pay the premium;
and
3) submitted a signed, sworn proof of loss within
60 days after receiving notice from us if you
failed to do so.
All terms of this policy apply to the mortgagee
unless changed by this clause.
b. If we decide to cancel this policy, the mortgagee
will be notified at least 10 days before the date of
cancellation takes effect
c. If we pay the mortgagee for a loss and deny
payment to you:
1) we are subrogated, up to the amount we paid
for the loss, to all the rights of the mortgagee
granted under the mortgage on the property;
or
2) at our option, we may pay to the mortgagee
the whole principal on the mortgage plus the
accrued interest. In this event, we shall
receive a full assignment and transfer of the
mortgage and all securities held as collateral
to the mortgage debt.
Subrogation shall not impair the right of the
mortgagee to recover the full amount of the
mortgagee's claim.
12. No Benefit To Bailee -- Coverage under this policy
will not directly or indirectly benefit those who are
paid to assume custody of the covered property.
13. Policy Period -- This policy only covers losses that
occur during the policy period.
14. Recoveries -- This applies if we pay for a loss and
lost or damaged property is recovered, or payment is
made by those responsible for the loss.
a. You must inform us or we must inform you if
either recovers property or receives payment.
b. Proper costs incurred by either party are paid
first.
c. You may keep the property. The amount of the
claim paid or a lesser amount to which we agree,
must be returned to us.
d. If the claim paid is less than the agreed loss due
to a deductible, or other limiting terms, the
recovery is prorated between you and us based
on the interest of each in the loss.
15. Safety Glass -- When breakage of glass is covered,
we pay to replace the damaged glass with safety
glazing materials if required by code, ordinance or
law.
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16. Secured Party Coverage -- This applies only to
coverage on mobile homes and personal property.
This entire clause is void unless the name of a
secured party is shown on the Declarations. This
clause applies only to the interest of a secured party
and does not affect your rights or duties under the
policy.
a. If a secured party is named on the Declarations, a
loss payable on property subject to the security
interest will be paid to the secured party and you
as interests may appear. If there is more than one
security interest in the same property, the order of
payment will be the same as their order of
priority.
If we deny your claim, that denial does not apply
to a valid claim of a secured party if the secured
party has:
1) notified us of a change in ownership,
occupancy, or substantial change in risk of
which the secured party became aware;
2) paid the premium due under this policy on
demand if you neglected to pay the premium;
and
3) submitted a signed, sworn proof of loss within
60 days after receiving notice from us if you
failed to do so.
c. If we pay the secured party for a loss and deny
payment to you:
1) we are subrogated, up to the amount we paid
for the loss, to all the rights of the secured
party granted under the security agreement;
or
2) at our option, we may pay the secured party
the remaining amount due on the security
agreement plus the accrued interest. In this
event, we shall receive full assignment of the
security agreement and securities held as
collateral for the agreement.
However, the secured party's interest is not covered
for your conversion, embezzlement, or secretion of
encumbered property in your possession, unless
specifically insured against and premium paid for
such.
17. Subrogation -- If we pay for a loss, we may require
that you assign to us the right of recovery
up to the amount we pay. You may waive your right
to recover, in writing, before a loss occurs, without
affecting coverage. If we pay a loss to or for you and
you recover from another party for the same loss,
you must pay us as stated in Recoveries.
All terms of this policy apply to the secured party
unless changed by this clause.
18. Suit Against Us -- No suit may be brought against
us unless all the terms of this policy have been
complied with and the suit is brought within two years
after the loss.
b. If we cancel or do not renew this policy, we will
notify the secured party at least 10 days before
the date cancellation or nonrenewal takes effect.
19. Volcanic Action -- All volcanic action that occurs
within a 72-hour period constitutes a single
occurrence.
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FP-2 (01-08)
-- READ THIS ENTIRE POLICY CAREFULLY --
Ed 2.2
IT IS A LEGAL CONTRACT
BROAD FORM
The following Table of Contents shows how the policy is organized. It will help you locate particular sections of the
policy.
TABLE OF CONTENTS
AGREEMENT................................................................................................................................................................... 1
WAIVER OF SMALL PREMIUMS.................................................................................................................................... 1
DEFINITIONS................................................................................................................................................................... 2
PRINCIPAL COVERAGES .............................................................................................................................................. 2
INCIDENTAL COVERAGES ............................................................................................................................................ 3
PERILS INSURED AGAINST -- COVERAGES A, B, C, AND D ..................................................................................... 4
GENERAL EXCLUSIONS................................................................................................................................................ 6
WHAT YOU MUST DO IN CASE OF LOSS .................................................................................................................... 7
HOW MUCH WE PAY FOR LOSS OR CLAIM................................................................................................................ 7
PAYMENT OF LOSS ....................................................................................................................................................... 8
POLICY CONDITIONS..................................................................................................................................................... 9
Required state endorsements may also be part of this policy.
Refer to the Definitions for words that have special meaning. These words are shown in "bold type".
AGREEMENT
This policy, subject to all of its terms, provides property insurance and other described coverages during the policy
period. In return you must pay the required premium. Each of the Principal Coverages described in this policy applies
only if a limit is shown on the Declarations for that coverage.
WAIVER OF SMALL PREMIUMS
When this policy is endorsed subsequent to the effective date, any additional or return premiums of $10.00 or less,
will be waived by the Virginia Property Insurance Association. However, if the insured requests a refund, the
Association will honor such request.
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Ed 2.2
DEFINITIONS
1. The words you and your mean the person or
cards or fund transfer cards used to deposit,
persons named on the Declarations and your
withdraw or transfer funds.
spouse if a resident of your household. The words
4. Insured premises means the location shown on the
we, us, and our mean the company providing this
Declarations.
insurance.
5. Limit means the limit of liability that applies.
2. Business means a trade, profession, or occupation
including farming, all whether full or part time.
6. Motorized Vehicle means a self-propelled land or
amphibious vehicle regardless of method of surface
3. Credit Card means a card, plate, coupon book, or
contact.
other credit device used to obtain money, property,
labor, or services on credit. This includes debit
7. Terms means all provisions, limitations, exclusions,
conditions, and definitions used in this policy.
PRINCIPAL COVERAGES
c. building materials and supplies for use in
Coverage A -- Residence
construction of or to a related private structure;
1. We cover the residence on the insured premises,
and
including its additions, built-in components, and
d. building items that can be detached from covered
attached fixtures. On the insured premises, we
related private structures, such as screens and
also cover:
storm doors.
a. building items that can be detached from the
2. Coverage B does not cover:
covered residence, such as screens and storm
doors;
a. land, including the land on which the property is
located, underground water or surface water;
b. appliances, carpets, and window coverings in that
part of the residence you rent to others;
b. trees, plants, shrubs, and lawns;
c. building materials and supplies for use in
c. structures used for business; and
construction of or to the residence; and
d. structures rented or held for rental. This does not
d. if this policy does not provide Coverage C, tools
apply to structures:
and equipment used to service the insured
1) rented or held for rental to a tenant of the
premises. This includes motorized vehicles
covered residence and not used for business
used only to service the insured premises that
by the tenant; or
are not required to be licensed for road use.
2) used solely as a private garage.
2. Coverage A does not cover:
a. land, including the land on which the property is
located, underground water or surface water;
b. trees, plants, shrubs, and lawns; and
c.
farm tools, farm equipment, and farm motorized
vehicles.
Coverage B -- Related Private Structures
1. We cover related private structures on the insured
premises which are not attached to the residence,
including their additions, built-in components, and
attached fixtures. Structures that are connected to
the residence by only a fence, a utility line, or a
similar connection are not considered attached. On
the insured premises, we also cover:
a. fences, driveways, and sidewalks;
b. other permanently installed outdoor fixtures;
FP-2 (01-08)
Coverage C -- Personal Property
1. While on the Insured Premises -- This policy
covers personal property, while on the insured
premises, which is usual to the occupancy of the
dwelling as a residence. The personal property must
be owned or used by you or your family members
who reside with you.
2. While Away from the Insured Premises -- You
may apply up to 10 percent of the Coverage C limit
to cover personal property, while away from the
insured premises, which is usual to the occupancy
of the dwelling as a residence. The personal
property must be owned or used by you, or your
family members who reside with you.
3. While in a Newly Acquired Principal Residence -We pay for loss to covered personal property in a
newly acquired principal residence. The full
Coverage C limit applies for 30 days from the date
you begin to move. After that, coverage for personal
Page 2 of 12
Ed 2.2
property in a newly acquired principal residence is
limited to 10 percent of the Coverage C limit. This
coverage does not extend past the date on which
the policy expires or the date on which the policy is
terminated.
assist the handicapped or used only to service
the insured premises;
e. aircraft, including their parts and equipment;
f.
4. Property of Others -- At your option, personal
property owned by a guest or domestic employee is
covered while it is in that part of the insured
premises occupied by you.
5. Limitations on Certain Property -- The special
limits shown below do not increase the Coverage C
limit. The limit for each class is the total limit per
occurrence for all items in that class.
a. $200 on money, bank notes, bullion, gold other
than goldware and gold-plated ware, silver other
than silverware and silver-plated ware, platinum,
coins, and numismatic property.
b. Regardless of their storage medium, $1,000 on
securities, bills, letters of credit, notes other than
bank notes, tickets, accounts, deeds, evidence of
debt, passports, manuscripts, stamps, and
philatelic property.
c.
$1,000 on watercraft including their trailers,
furnishings, equipment, and motors.
d. Business property, up to the amounts shown
below:
1) while on the insured premises, $2,500 on
business property that pertains to a business
actually conducted on the insured premises;
2) $250 while away from the insured premises.
e. $1,000 on trailers not otherwise provided for.
6. Personal Property Not Covered -- Coverage C
does not cover:
a. land, including the land on which the property is
located, underground water or surface water;
b. trees, plants, shrubs, and lawns;
c.
animals, birds, or fish;
d. motorized vehicles. This includes their parts,
equipment, and accessories while in or on a
motorized vehicle. We do cover motorized
vehicles that are not subject to motor vehicle
registration if they are designed and used to
electronic devices, accessories, or antennas for
the transmitting, recording, receiving or
reproduction of sound that may be operated from
the electrical system of a motorized vehicle,
farm equipment, or watercraft while in or on the
motorized vehicle, farm equipment, or
watercraft. This includes tapes, wires, discs,
records, or other media for use with such devices;
g. loss that results from credit cards; or
h. farm property.
Coverage D -- Additional Living Costs and Fair
Rental Value
We pay the necessary and reasonable increase in living
costs you incur to maintain the normal standard of living
of your household if the part of the insured premises
containing your household is made unfit for use by an
insured loss. We pay only for the period of time
reasonably required to make that part of the insured
premises containing your household fit for use or to
settle your household in new quarters, whichever is
less. This period of time is not limited by the policy
period.
We pay for the fair rental value if the part of the insured
premises rented or held for rental to others is made
unfit for use by an insured loss. We only pay for the
period of time reasonably required to make that part of
the insured premises rented or held for rental to others
fit for use. Fair rental value is the amount you would
have received less the charges and expenses that do
not continue while the insured premises is unfit for use.
This period of time is not limited by the policy period.
We pay your additional living costs and fair rental value
for up to two weeks if the premises next to the insured
premises is damaged by a peril insured against and
you may not, by order of civil authority, use the insured
premises. This period of time is not limited by the policy
period.
We do not pay for additional living costs or fair rental
value due to the cancellation of a lease or an
agreement.
INCIDENTAL COVERAGES
This policy provides the following Incidental Coverages.
They are subject to all of the terms of the applicable
Coverages A, B, or C. They are not extended to farm
property. These coverages provide additional insurance
unless otherwise stated.
FP-2 (01-08)
1. Emergency Removal -- We pay for loss to covered
property that is moved to prevent loss by a peril
insured against. The property is covered for direct
physical loss for up to 30 days. This coverage does
not extend past the date on which this policy
terminates.
Page 3 of 12
Ed 2.2
We do not cover trees, plants, shrubs, or lawns
grown for business.
We pay up to a $250 towing charge to move a
covered mobile home that is in danger from a peril
insured against.
You may apply up to 5 percent of the Coverage A
limit on the insured premises to cover trees,
plants, shrubs, or lawns. We do not pay more than
$500 for each tree, plant, or shrub. This includes the
cost to remove the debris of the covered item.
This coverage does not increase the limits shown
for the property being removed.
2. Debris Removal -- We pay for the cost to remove
the debris of covered property after an insured loss.
This includes the cost to remove volcanic ash, dust,
or particulate matter that causes direct physical loss
to covered property.
We will not pay more for direct loss to property and
debris removal combined than the limit that applies
to the damaged property.
We also pay the cost to remove fallen trees which
cause damage to property covered under
Coverages A, B, or C if:
a. the falling of the tree is caused by any of the
perils insured against; and
b. coverage is not provided elsewhere by this policy.
Regardless of the number of fallen trees, the most
we will pay is $500 per occurrence.
3. Trees, Plants, Shrubs, or Lawns -- We pay for
loss to trees, plants, shrubs, or lawns on the
insured premises caused by:
a. fire or lightning, explosion, riot or civil commotion,
aircraft;
b. collapse of a building;
c.
4. Fire Department Service Charge -- We pay up to
$500 for charges assumed by you under a contract
or agreement when a fire department is called to
protect covered property from a peril insured
against.
5. Grave Markers -- We pay up to $1,000 for loss to
grave markers and mausoleums caused by any of
the perils insured against.
6. Glass Breakage -- We cover breakage of glass that
is part of an insured structure. We do not pay for
loss if the residence is vacant for more than 30 days
in a row just before the loss. A residence being built
is not vacant. We also pay for loss to covered
property which is damaged by the breakage of
glass.
This coverage does not increase the limits shown
for the property covered.
7. Tenant's Improvements -- If you are a tenant, we
pay for loss by perils insured against to
improvements on the insured premises made or
acquired at your expense. These are permanent
fixtures, alterations, decorations, and additions.
You may apply up to 10 percent of the Coverage C
limit to cover tenant's improvements.
vehicles, if not owned or operated by you or an
occupant of the insured premises; or
d. vandalism; burglary damage; or, if covered by this
policy, theft.
PERILS INSURED AGAINST -- COVERAGES A, B, C, AND D
We insure against direct physical loss caused by the
following perils, unless the loss is excluded under the
General Exclusions:
1. Fire or Lightning
2. Explosion
3. Windstorm or Hail -- However, we do not pay for
loss:
a. to the interior of a building or mobile home, or to
property inside a structure caused by dust, rain,
sand, sleet, snow or water, all whether driven by
wind or not, which enter through an opening not
made by the direct force of wind or hail;
c.
To outdoor antennas, including their lead-in
wiring, masts and towers.
4. Riot or Civil Commotion
5. Aircraft
6. Vehicles -- However, we do not pay for loss to
fences, driveways and walks caused by a vehicle
owned or operated by an occupant of the insured
premises.
7. Sudden and Accidental Damage from Smoke -However, we do not pay for loss caused by smoke
from agricultural smudging or industrial operations.
8.
b. To watercraft and their trailers, furnishings,
equipment and motors unless inside a fully
enclosed building. (We do cover canoes and
rowboats while on the insured premises.); or
FP-2 (01-08)
Page 4 of 12
Vandalism -- However, we do not pay for loss on
the insured premises if the residence is vacant
for more than 30 days in a row just before the loss.
A residence being built is not vacant.
Ed 2.2
9. Burglary Damage -- This means damage to
covered property caused by burglars. However,
we do not pay for loss on the insured premises if
the residence is vacant for more than 30 days in a
row just before the loss. A residence being built is
not vacant.
10. Falling Objects -- However, we do not pay for
loss:
a. to the interior of a building, mobile home,
structure, or to the property inside, unless the
object has first damaged an outside wall or the
roof by impact;
b. to outdoor antennas, including their lead-in
wiring, masts and towers;
c.
to outdoor awnings or canopies including their
supports;
d. to fences or to outdoor
permanently installed; or
equipment
not
11. Weight of Ice, Snow or Sleet which damages a
structure or the property inside. However, we do
not pay for loss to:
a. outdoor antennas, including their lead-in wiring,
masts and towers;
b. outdoor awnings or canopies including their
supports;
outdoor structures (other than buildings,
carports, or mobile homes) such as swimming
pools; fences; patios; paved areas; retaining
walls; bulkheads; foundations; wharves; docks;
and piers; or
12. Sudden and Accidental Tearing Apart,
Cracking, Burning or Bulging of a heating, airconditioning or automatic sprinkling system or
water heater. However, we do not pay for loss
caused by freezing.
13. Accidental Discharge or Overflow of Liquids or
Steam from a plumbing, heating, air-conditioning
or automatic sprinkling system, water heater or
from a domestic appliance. However:
a. We do not pay for loss caused by continuous or
repeated seepage or leakage.
b. We do not pay for loss caused by freezing.
We do not pay for loss on the insured
premises caused by accidental discharge or
overflow which comes from off the insured
premises.
d. We do not pay for loss if the residence has been
vacant for more than 30 days in a row just
FP-2 (01-08)
In this peril, a plumbing system does not include a
sump, sump pump and related equipment.
14. Freezing of a plumbing, heating, air-conditioning
or automatic sprinkling system, water heater or a
domestic appliance. However, we do not pay for
loss on the insured premises while the residence
is vacant or unoccupied or under construction and
unoccupied, unless you have taken reasonable
care to:
a. maintain heat in the building or mobile home; or
15. Sudden and Accidental Damage from
Artificially Generated Electrical Currents -However, we do not pay for loss to tubes,
transistors and similar electronic components.
16. Sinkhole Collapse -- This means loss caused by
sudden settlement or collapse of earth supporting
covered property. The earth settlement or collapse
must result from subterranean voids created by
the action of water on a limestone or similar rock
formation.
However, we do not pay for the value of land or
the cost of filling sinkholes.
17. Volcanic Action -- This means:
d. outdoor equipment not permanently installed.
c.
e. We do not pay for loss to the system, heater or
appliance from which the liquid or steam
escapes. (We do pay the reasonable cost of
removing and replacing only those parts of the
structure needed to repair the system, heater or
appliance.)
b. shut off the liquid supply and drain the system,
domestic appliance or heater.
e. to the object which falls.
c.
before the loss. A residence being built is not
vacant.
a. airborne volcanic blast or airborne shock waves;
b. ash, dust or particulate matter; or
c.
lava flow.
However, we do not cover the removal of ash,
dust or particulate matter that does not cause
direct physical loss to covered property.
18. Collapse of a Building or a Part of a Building
(Collapse does not mean settling, cracking,
shrinking, bulging, or expanding.) Unless the
damage is directly caused by the collapse of a
building, we do not pay for:
a. loss to awnings or canopies and their supports;
or
b. loss to swimming pools, retaining walls, fences,
septic tanks, piers, wharves, foundations,
patios, and paved areas.
We do not pay for loss by collapse that results
from an excluded cause or event.
Page 5 of 12
Ed 2.2
GENERAL EXCLUSIONS
We do not pay for loss if one or more of the following
exclusions apply to the loss, regardless of other
causes or events that contribute to or aggravate the
loss, whether such causes or events act to produce
the loss before, at the same time as, or after the
excluded causes or events.
1. Civil Authority -- We do not pay for a loss which
results from order of civil authority.
We pay for loss which results from acts of a civil
authority to prevent the spread of fire. We do not
pay if the fire was caused by an excluded peril.
2. Earth Movement -- We do not pay for loss which
results from earth movement whether the earth
movement results from natural or artificial causes.
Earth movement includes but is not limited to:
a. earthquake;
b. landslide, subsidence, erosion;
c.
mudflow;
d. earth sinking, rising, shifting, expanding, or
contracting. This does not include Sinkhole
Collapse as described under Perils Insured
Against; or
6. Ordinance or Law -- We do not pay for loss or
increased cost which results from the enforcement
of a code, ordinance, or law which regulates the
use, construction, repair, demolition of property, or
removal of its debris.
7. Power Disruption -- We do not pay for loss which
results from the disruption of power or other utility
service, whether or not it is caused by a peril
insured against, if the cause of the disruption is
not on the insured premises.
We do pay for direct loss by a peril insured against
which occurs on the insured premises as a result
of the disruption of power.
8. War -- We do not pay for loss which results from
declared or undeclared war, civil war, insurrection,
rebellion, revolution, warlike act by a military force
or military personnel, or destruction, seizure, or
use of property for a military purpose. It includes
the consequences of these. Discharge of a
nuclear weapon is deemed an act of war even if it
is accidental.
9. Water Damage -- We do not pay for loss which
results from the following:
a. flood, surface water, waves, tidal water,
overflow of a body of water, or spray, all
whether driven by wind or not;
e. volcanic explosion. Volcanic explosion does not
include Volcanic Action as described under
Perils Insured Against.
b. water which backs up through or overflows from
sewers, drains, or sumps; or
We do pay for direct loss caused by fire, explosion
(other than a volcanic explosion) and, if covered by
this policy, theft resulting from earth movement.
c.
We do pay for the breakage of glass that is part of a
covered structure resulting from earth movement.
3. Intentional Acts -- We do not provide coverage
for an insured who commits or directs an act with
the intent to cause a loss.
4. Neglect -- We do not pay for loss which results
from your neglect to use all reasonable means to
save and preserve covered property at and after
the time of a loss.
5. Nuclear Hazard -- We do not pay for loss which
results from nuclear reaction, nuclear radiation, or
radioactive contamination (whether controlled or
uncontrolled; whether caused by, contributed to or
aggravated by a peril insured against and whether
caused by natural, accidental, or artificial means).
Loss caused by nuclear hazard is not considered
loss caused by fire, explosion, or smoke. Direct
loss by fire resulting from the nuclear hazard is
covered.
water below the surface of the ground. This
includes water which exerts pressure on, or
seeps or leaks through or into a building,
sidewalk, driveway, foundation, swimming pool,
or other structure.
We pay for direct loss caused by fire; explosion
(other than a volcanic explosion); and, if covered
by this policy, theft resulting from water damage.
10. Weather Conditions -- We do not pay for loss
which results from weather conditions that initiate,
set in motion, or in any way contribute to losses
excluded under the preceding General Exclusions
(Numbers 1 through 9).
We do pay for an ensuing loss unless the ensuing
loss itself is excluded.
11. Errors, Omissions, and Defects -- We do not
pay for loss which results from one or more of the
following:
a. an act, error, or omission (negligent or not)
relating to:
1) land use;
FP-2 (01-08)
Page 6 of 12
Ed 2.2
2) the
design,
specification,
construction,
workmanship, or installation of property;
construction or repair whether on or off the
insured premises.
3) planning, zoning, development, surveying,
siting, grading, compaction; or
We do pay for an ensuing loss unless the ensuing
loss itself is excluded.
4) maintenance of property (including
structures, or improvements);
land,
whether on or off the insured premises;
b. a defect, a weakness, the inadequacy, a fault,
or unsoundness in materials used in
12. Wear and Tear -- We do not pay for loss which
results from wear and tear, marring, deterioration,
inherent
vice,
latent
defect,
mechanical
breakdown, rust, wet or dry rot, corrosion, mold,
contamination, or smog. We do pay for an ensuing
loss unless the ensuing loss itself is excluded.
WHAT YOU MUST DO IN CASE OF LOSS
2) your interest and the interest of all others in
1. Notice -- In case of a loss, you must give us or
the property. This includes all mortgages and
your agent prompt notice (We may request written
liens;
notice).
3) other policies that may cover the loss;
The notice to us must state:
a. your name, the policy number and the time,
place, and the details of the loss; and
b. the names and addresses of all known potential
claimants and witnesses.
2. Other Duties -- You must take all reasonable
steps to protect covered property at and after an
insured loss to avoid further loss. We will pay the
reasonable costs incurred by you for necessary
repairs or emergency measures performed solely
to protect covered property from further damage
by a peril insured against if a peril insured against
has already caused a loss to covered property.
You must keep an accurate record of such costs.
However, we will not pay for such repairs or
emergency measures performed on property
which has not been damaged by a peril insured
against. This does not increase our limit.
At our request you must:
a. give us a signed, sworn proof of loss, within 60
days after our request, that shows:
1) the time, place, and the details of the loss;
4) changes in title or use;
5) available plans and specifications of buildings;
6) detailed estimates for repair; and
7) in detail, the quantity, description, cost,
amount of loss, and actual cash value of the
personal property involved in the loss. You
must give us copies of all bills, receipts, and
related documents to confirm these;
b. submit to examination under oath in matters that
relate to the loss or claim as often as we
reasonably request;
c.
show the damaged property as often as we
reasonably request;
d. show records, including tax returns and bank
records of all canceled checks that relate to the
value, loss, and costs, and permit copies to be
made of them as often as we reasonably
request; and
e. show records that prove loss of rents and show
receipts for additional living costs, and permit
copies to be made of them as often as we
reasonably request.
HOW MUCH WE PAY FOR LOSS OR CLAIM
Loss Settlement Terms -- Subject to the deductible
a. The Replacement Cost Terms apply only to
or other limitation that applies, we pay the lesser of:
buildings covered under Coverages A and B
that have a permanent foundation and roof.
a) the limit that applies;
They do not apply to:
b) your interest in the property; or
1) mobile homes whether or not on a permanent
foundation;
c) the amount determined under the Replacement
Cost Terms or the Actual Cash Value Terms,
2) window air-conditioners;
whichever apply.
3) awnings and canopies;
1. Replacement Cost Terms
4) antennas;
FP-2 (01-08)
Page 7 of 12
Ed 2.2
2) the amount spent to repair or replace the
damage.
5) appliances;
6) carpets;
2. Actual Cash Value Terms -- Actual cash value
includes a deduction for depreciation, however
caused.
7) window coverings; and
8) tenant's improvements
a. The Actual Cash Value Terms apply to all
property not covered under the Replacement
Cost Terms.
b. In determining the replacement cost, do not
include the cost of:
1) excavations;
b. The smallest of the following amounts is used in
applying the Loss Settlement Terms:
2) brick, stone, or concrete foundations;
3) piers and other supports which are below the
surface of the ground inside the foundation
walls; and
1) the cost to repair or replace the property with
materials of like kind and quality;
4) underground flues, pipes, wiring, and drains.
2) the actual cash value of the property at the
time of loss; or
c.
When the cost to repair or replace exceeds the
lesser of $2,500 or five percent of the limit on
the damaged building, we do not pay for more
than the actual cash value of the loss until repair
or replacement is completed.
You may make a claim for the actual cash value
amount of the loss before repairs are made. A
claim for an additional amount payable under
these terms must be made within six months of
whichever is the latest:
3) (applies only to mobile homes) the difference
in the actual cash value just before the loss
and the actual cash value just after the loss.
3. Deductible -- This applies to Coverages A, B, and
C; Debris Removal; Trees, Plants, Shrubs and
Lawns;
Glass
Breakage;
and
Tenant's
Improvements. It applies to all perils insured
against unless otherwise shown.
We pay that part of the loss over the deductible.
Not more than one deductible applies per
occurrence. If this policy covers more than one
residence, the deductible applies separately to
each residence.
1) the last date on which you received a
payment for the actual cash value; or
2) the date of entry of a final order by a court
declaring your right to full replacement cost.
d. If the limit on the damaged building is less than
80 percent of its replacement cost at the time of
loss, the larger of the following amounts is used
in applying the Loss Settlement Terms:
1) the actual cash value at the time of the loss; or
2) that part of the replacement cost of the
damaged part which our limit on the building
bears to 80 percent of the full current
replacement cost of the building.
4. Loss to a Pair or Set -- If there is loss to an item
which is part of a pair or set, we pay only to
replace or repair the item, or we pay the difference
in the actual cash value of the pair or set just
before the loss and the actual cash value just after
the loss.
5. Insurance Under More Than One Coverage -- If
more than one coverage of this policy applies to a
loss, we pay no more than the actual loss.
e. If the limit on the damaged building is at least
80 percent of its replacement cost at the time of
loss, the smaller of the following amounts is
used in applying the Loss Settlement Terms:
6. Insurance Under More Than One Policy -- If
there is other insurance that applies to the loss,
we pay our share of the loss. Our share is that
part of the loss that the limit of this policy bears to
the total amount of insurance that applies to the
loss.
1) the cost to repair or replace the damage on
the same premises using materials of like kind
and quality; or
7. Restoration of Limits -- Each loss we pay under
this policy does not reduce the limits available
over the policy term.
PAYMENT OF LOSS
1. Your Property -- We adjust each loss with you.
the filing of an appraisal award with us. Payment
We pay an insured loss within 30 days after an
is made to you unless a loss payee is named.
acceptable proof of loss is received and the
2. Additional Living Costs -- If the insured
amount of the loss is agreed to in writing. If you
premises is unfit for use for more than one month,
and we do not agree, we pay within 30 days after
FP-2 (01-08)
Page 8 of 12
Ed 2.2
covered costs are paid on a monthly basis. You
must give us proof of such costs.
4. Our Options -- We may:
a. pay the loss in money; or
3. Damage to Personal Property of Others -- At
our option, an insured loss may be adjusted with
and paid:
b. rebuild, repair or replace the property. We must
give you notice of our intent to do so within 30
days after we receive an acceptable proof of
loss.
a. to you on behalf of the owner; or
b. to the owner. If we pay the owner, we do not
have to pay you.
We may take all or part of the damaged property
at the agreed or appraised value. Property paid for
or replaced by us becomes ours.
POLICY CONDITIONS
1. Abandonment of Property -- You may not
3. Assignment -- This policy may not be assigned
abandon the property to us unless we agree.
without our written consent.
2. Appraisal -- If you and we do not agree on the
amount of the loss, the actual cash value of the
property or the cost to repair or replace the property,
either party may demand that these amounts be
determined by appraisal.
4. Cancellation -- You or your duly constituted
attorney-in-fact may cancel this policy by returning
the policy to us or by giving us written notice and
stating at what future date coverage is to stop.
We may cancel this policy or any of the following
applicable
endorsements:
Personal
Liability
endorsement
or
Limited
Theft
coverage
endorsement only for the reasons stated below by
letting you know in writing of the date of
cancellation takes effect. This cancellation notice
may be delivered to you or mailed to you at your
mailing address shown in the declarations.
If either party makes a written demand for appraisal,
each will select a competent independent appraiser
and notify the other of the appraiser's identity within
20 days after the receipt of the written demand.
The two appraisers will select a competent, impartial
umpire. If the two appraisers are unable to agree
upon an umpire within 15 days, you or we can ask
a judge of a court of record in the state where the
property is located to select an umpire.
Proof of mailing will be sufficient proof of notice.
When the policy in effect for less than 90 days:
For each building item and each item of personal
property, the appraisers will determine:
Association may cancel for any reason on ten(10)
days written notice to insured and mortgagee on
owner occupied dwellings and five (5) days written
notice to insured and ten (10) days to mortgagee on
other than owner-occupied dwellings.
a. the amount of the loss;
b. the actual cash value of the property; and
c.
the cost to repair or replace the property.
When policy in effect for more than 90 days:
Each amount will be stated separately.
If the appraisers submit a written report of an
agreement to us, the agreement will establish these
amounts. If the appraisers fail to agree within a
reasonable time, they will submit only their
differences to the umpire. A written agreement by
two of these three will establish the amounts stated
above.
Each appraiser will be paid by the party selecting
that appraiser. The compensation of the umpire and
other costs of the appraisal will be shared equally by
you and us.
If we make the written demand for an appraisal, we
will pay:
a. the reasonable and necessary cost for your
appraiser; and
b. your share of the cost for the umpire.
FP-2 (01-08)
Notice of Cancellation shall be 30 days except: ten
(10) days to insured and mortgagee on owner
occupied dwellings and five (5) days to insured and
ten (10) days to mortgagee on other than owneroccupied dwellings for the following underwriting
standards or conditions.
a. Evidence of owner or occupancy incendiarism;
b. Building in which at least sixty-five (65%) percent
of the rental units in the building are vacant or
unoccupied and left unprotected against trespass
(a rental unit will be deemed to be left
unprotected against trespass when an entrance
door to such unit [or an exterior door to a hall,
stairway, or other common passage leading to
such unit], is open, missing, unlocked or
unsecured, or when a window in such unit which
is accessible to entry is not protected against
unauthorized entry);
Page 9 of 12
Ed 2.2
c.
Fire damage exists and the insured has stated, or
such time has elapsed as clearly indicates that
the damage will not be repaired;
d. Buildings in which following a fire, permanent
repairs following satisfactory adjustment of loss
have not commenced within sixty (60) days;
e. Property has been abandoned or there has been
removal of undamaged salvageable items from
the building and the insured can give no
reasonable explanation for such removal;
f.
Utilities such as electric, gas, or water services
have been disconnected and the insured has
failed to pay his account for such services within
120 days;
g. Where reliable information exists that there is
good cause to believe that the building will be
burned for the purpose of collecting the insurance
on the property;
h. Conviction or unresolved indictment of a named
insured or loss payee or any other person having
a financial interest in the property of the crime of
arson or a crime involving a purpose to defraud
an insurance company;
i.
j.
Where the building has been subject to more than
two (2) fires, each loss amounting to at least $500
or one (1%) percent of the insurance in force,
whichever is greater, in any twelve (12) month
period; or more than three (3) such fires in any
twenty-four (24) month period, provided that the
cause of such fires is due to conditions which are
the responsibility of the owner-named insured;
Where the building has been subject to more
than four (4) vandalism losses each loss
amounting to at least $500 or one percent (1%) of
the insurance in force, whichever is greater, in
any twelve (12) month periods, or more than six
(6) such losses in any twenty-four (24) month
periods;
k.
Non-payment of premium;
l.
Buildings
which
have
characteristics
of
ownership, condition, occupancy or maintenance
which are violative of public policy;
m. Buildings which are in danger of collapse
because of serious structural conditions, or those
buildings which are in such a state of disrepair as
to be dilapidated (except buildings actually in the
course of repair or reconstruction);
n. Buildings on which, because of their physical
condition, there is an outstanding order to vacate,
an outstanding demolition order, or which has
been declared unsafe in accordance with
applicable law;
FP-2 (01-08)
o. Buildings which become vacant or unoccupied for
sixty (60) consecutive days during the policy term
p. Physical changes in the property which result in
the property becoming uninsurable as determined
from physical inspection of insured premises.
q. dwellings under construction, renovation or
rehabilitation or any structure occupied as other
than a primary residence;
If the premium has not been paid when due, we will
give you notice at least 15 days before cancellation
is effective. Otherwise, we will give you notice at
least 45 days in advance of cancellation.
Your return premium, if any, will be refunded on a
pro rata basis at the time of cancellation or as soon
as practical. Payment or tender of the unearned
premium is not a condition of cancellation.
5. Reserved for Future Use
6. Change, Modification, or Waiver of Policy Terms
-- A waiver or change of the terms of this policy
must be issued by us in writing to be valid. If, in the
policy period, we adopt a revision which broadens
coverage without an additional premium, the
broadened coverage will apply.
Our request for an appraisal or examination under
oath does not waive policy terms.
7. Conformity With Statute -- Terms in conflict with
the laws of the state where the insured premises is
located are changed to conform to such laws.
8. Death -- On your death, protection on your covered
property passes to:
a. your legal representative; or
b. any other persons having proper, temporary
custody of covered property.
9. Inspection -- We may, but are not required to,
inspect your property and operations. Our
inspection or resulting advice or report does not
warrant that your property or operations are safe or
healthful or comply with laws, rules, or regulations.
10. Misrepresentation, Concealment, or Fraud -- We
do not provide coverage if, before or after a loss:
a. an
insured has
misrepresented:
willfully
concealed
or
1) a material fact or circumstance with respect to
this insurance; or
2) an insured's interest herein; or
b. there has been fraud or false swearing by an
insured with respect to this insurance or the
subject thereof.
Page 10 of 12
Ed 2.2
11. Mortgage Clause -- This applies only to coverage
on buildings. The word "mortgagee" includes
trustee.
a. If a mortgagee is named on the Declarations, a
loss payable under Coverages A or B will be paid
to the mortgagee and you, as interests appear. If
more than one mortgagee is named, the order of
payment will be the same as the order of
precedence of the mortgages.
If we deny your claim, that denial does not apply
to a valid claim of the mortgagee, if the
mortgagee has:
1) notified us of change in ownership, occupancy,
or substantial change in risk of which the
mortgagee became aware;
2) paid the premium due under this policy on
demand if you neglected to pay the premium;
and
3) submitted a signed, sworn proof of loss within
60 days after receiving notice from us if you
failed to do so.
All terms of this policy apply to the mortgagee
unless changed by this clause.
b. If we decide to cancel this policy, the mortgagee
will be notified at least 10 days before the date
cancellation takes effect.
b. Proper costs incurred by either party are paid
first.
c.
You may keep the property. The amount of the
claim paid or a lesser amount to which we agree,
must be returned to us.
d. If the claim paid is less than the agreed loss due
to a deductible, or other limiting terms, the
recovery is prorated between you and us based
on the interest of each in the loss.
15. Safety Glass -- When breakage of glass is covered,
we pay to replace the damaged glass with safety
glazing materials if required by code, ordinance or
law.
16. Secured Party Coverage -- This applies only to
coverage on mobile homes and personal property.
This entire clause is void unless the name of a
secured party is shown on the Declarations. This
clause applies only to the interest of a secured party
and does not affect your rights or duties under the
policy.
a. If a secured party is named on the Declarations, a
loss payable on property subject to the security
interest will be paid to the secured party and you
as interests may appear. If there is more than one
security interest in the same property, the order of
payment will be the same as their order of priority.
If we pay the mortgagee for a loss and deny
payment to you:
If we deny your claim, that denial does not apply
to a valid claim of a secured party if the secured
party has:
1) we are subrogated, up to the amount we paid
for the loss, to all the rights of the mortgagee
granted under the mortgage on the property; or
1) notified us of a change in ownership,
occupancy, or substantial change in risk of
which the secured party became aware;
2) at our option, we may pay to the mortgagee the
whole principal on the mortgage plus the
accrued interest. In this event, we shall receive
a full assignment and transfer of the mortgage
and all securities held as collateral to the
mortgage debt.
2) paid the premium due under this policy on
demand if you neglected to pay the premium;
and
c.
3) submitted a signed, sworn proof of loss within
60 days after receiving notice from us if you
failed to do so.
Subrogation shall not impair the right of the
mortgagee to recover the full amount of the
mortgagee's claim.
12. No Benefit To Bailee -- Coverage under this policy
will not directly or indirectly benefit those who are
paid to assume custody of the covered property.
13. Policy Period -- This policy only covers losses that
occur during the policy period.
14. Recoveries -- This applies if we pay for a loss and
lost or damaged property is recovered, or payment
is made by those responsible for the loss.
a. You must inform us or we must inform you if
either recovers property or receives payment.
FP-2 (01-08)
All terms of this policy apply to the secured party
unless changed by this clause.
b. If we cancel or do not renew this policy, we will
notify the secured party at least 10 days before
the date cancellation or nonrenewal takes effect.
c.
If we pay the secured party for a loss and deny
payment to you:
1) we are subrogated, up to the amount we paid
for the loss, to all the rights of the secured party
granted under the security agreement; or
2) at our option, we may pay the secured party the
remaining amount due on the security
agreement plus the accrued interest. In this
event, we shall receive full assignment of the
Page 11 of 12
Ed 2.2
security agreement and securities held as
collateral for the agreement.
However, the secured party's interest is not covered
for your conversion, embezzlement, or secretion of
encumbered property in your possession, unless
specifically insured against and premium paid for
such.
17. Subrogation -- If we pay for a loss, we may require
that you assign to us the right of recovery up to the
amount we pay. You may waive your right to
recover, in writing, before a loss occurs, without
affecting coverage. If we pay a loss to or for you
and you recover from another party for the same
loss, you must pay us as stated in Recoveries.
18. Suit Against Us -- No suit may be brought against
us unless all the terms of this policy have been
complied with and the suit is brought within two
years after the loss.
19. Volcanic Action -- All volcanic action that occurs
within a 72-hour period constitutes a single
occurrence.
FP-2 (01-08)
Page 12 of 12
Ed 2.2
AAIS
FL-10
Ed 1.0
AUTOMATIC INCREASE IN INSURANCE
(The information required below may be shown on a separate schedule or supplemental Declarations.)
The limits for Coverages A and B will be increased by
the end of each three month period after the effective date.
percent of the amounts shown on the Declarations at
FL-10 Ed 1.0
AAIS
Copyright MCMXCII, American Association of Insurance Services
AAIS
FL-14
Ed 1.0
INSURANCE BY MORE THAN ONE COMPANY
(The information required below may be shown on a separate schedule or on the Declarations.)
1. Insurance By More Than One Company is insurance written in your name by more than one company using
the same type of policy and conditions, whether or not still in force at time of loss.
The total of the limits for all insurance including this policy is:
Coverages
Total Limit
A -- Residence
B -- Related Private Structures
C -- Personal Property
D -- Additional Living Costs and Fair Rental
Value Coverage
E -- Farm Personal Property
Scheduled
Blanket
F -- Farm Structures
$
$
$
$
Additional Coverage (Specify)
$
$
$
$
2. When we and other companies write insurance for property coverages, our limit is
% of the total limit for
all insurance covering the same property. We pay this percentage of any loss caused by perils insured against,
but not more than the limit stated on the Declarations or any endorsement.
Any special limit or amount of insurance shown in this policy is the limit for all insurance, and we will pay no
more than the above percentage of the special limit or amount of insurance.
3. Under How Much We Pay For Loss or Claim, Insurance Under More Than One Policy does not apply to
policies issued by another company under the terms of this endorsement.
FL-14 Ed 1.0
AAIS
Copyright MCMXCII, American Association of Insurance Services
AAIS
FL-16
Ed 1.0
INCIDENTAL BUSINESS ACTIVITIES -- RELATED PRIVATE STRUCTURES
(The information required below may be shown on a separate schedule or on the Declarations.)
The incidental business activity described below is conducted in the described structure on the insured premises:
(Description of Business)
(Description of Structure)
$
Limit
Under Coverage B -- Related Private Structures, the exclusion that applies to structures used for business does
not apply to the structure described above. We will pay no more for loss to the described structure than the limit
shown in this endorsement.
FL-16 Ed 1.0
AAIS
Copyright MCMXCII, American Association of Insurance Services
AAIS
FL-216
Ed 1.0
PREMISES ALARM OR FIRE PROTECTION SYSTEM
The premium for this policy includes a credit for the installation of a fire alarm, burglar alarm or automatic sprinkler
system approved by us on the insured premises. You agree to maintain said system in working order and to notify
us promptly when the system becomes inoperative or has been removed.
FL-216 Ed 1.0
AAIS
Copyright MCMXCII, American Association of Insurance Services
VPIA-02
(Ed. 01-07)
* LOSS SETTLEMENT INFORMATION
If the amount of insurance you carry on Dwellings insured under this policy is 80% or more of their
replacement cost, you may be entitled to collect the cost of repair or replacement of the damage to the
dwelling, subject to the conditions and limitations detailed in your policy. However, if you do not maintain
insurance equal to at least 80% of the replacement cost of the Dwellings covered under your policy, the
settlement will be made on a less favorable basis.
* Not Applicable to Mobile Homes
ADDITIONAL COVERAGE AVAILABLE
The Virginia Property Insurance Association provides a coverage option that can be added to your
dwelling policy to cover the increased costs to repair or replace damaged property due to the application
of ordinances or laws that regulate construction, repair, or demolition.
Ordinance or Law Coverage provides protection when a building is damaged by a covered cause of
loss and must be repaired or rebuilt in a more costly manner because the type of construction used when
the building was built does not comply with current building codes. Coverage would also be provided
when ordinances or laws require the demolition of damaged buildings, including undamaged portions,
prior to rebuilding in compliance with current building codes.
Contact your Agent if you wish to add or increase this valuable coverage, or if you would like additional
information.
AAIS
FL 0257 10 98
Page 1 of 1
This endorsement changes
the policy
-- PLEASE READ THIS CAREFULLY --
ORDINANCE OR LAW
1. Under Definitions, the following is added:
"Pollutant" means any solid, liquid, gaseous,
thermal, or radioactive irritant or
contaminant, including acids, alkalis,
chemicals, fumes, smoke, soot, vapor, and
waste. Waste includes materials to be
recycled, reclaimed, or reconditioned, as
well as disposed of.
2. The following coverage is added:
Ordinance or Law -- "We" pay for the
increased cost which results from the
enforcement of a code, ordinance, or law
which regulates the use, construction,
repair, or demolition of property or the
removal of its debris following a loss to
covered property. The loss must be caused
by a peril that applies to the damaged
property.
However, "we" do not pay for:
a. any loss in value of property which
results from the enforcement of a code,
ordinance, or law; or
b. any loss, cost, or expense which results
from the enforcement of a code,
ordinance, or law requiring that any
insured or others test for, monitor, clean
up, remove, contain, treat, detoxify,
neutralize, or in any way respond to or
assess the effects of "pollutants".
This coverage does not increase the "limit"
shown for the damaged property. "We" will
not pay more for direct physical loss to
property and the increased cost combined
than the "limit" that applies to the damaged
property.
3. Under General Exclusions, Ordinance or
Law is deleted and replaced by:
Ordinance or Law -- "We" do not pay for:
a. any loss or increased cost which results
from the enforcement of a code,
ordinance, or law which regulates the
use, construction, repair, or demolition
of property or the removal of its debris,
except as provided under item 2. of this
endorsement;
b. any loss in value of property which
results from the enforcement of a code,
ordinance, or law; or
c.
any loss, cost, or expense which results
from the enforcement of a code,
ordinance, or law requiring that any
"insured" or others test for, monitor,
clean up, remove, contain, treat,
detoxify, neutralize, or in any way
respond to or assess the effects of
"pollutants".
This applies whether or not there has been
physical damage to covered property.
FL 0257 10 98
Copyright, American Association of Insurance Services,
1998
AAIS
FL-30
Ed 1.0
INCIDENTAL COVERAGES -- HIGHER LIMITS
(The information required below may be shown on a separate schedule or on the Declarations.)
Under Incidental Coverages, the following limits are increased:
Option*
Amount of Increase
1
Fire Department Service Charge
None
2
Tenant's Improvements
$
Total Limit
$500
$
* The option that applies may be shown on the Declarations
FL-30 Ed 1.0
AAIS
Copyright MCMXCII, American Association of Insurance Services
AAIS
FL-32
Ed 1.0
CONDOMINIUM UNIT-OWNER ADDITIONS
Coverage A -- Residence -Under Coverage A -- Residence, item 1 is deleted and
replaced by the following:
1. We cover the following property:
a. fixtures, alterations, decorations, additions,
installations, or items of real property that pertain
to your condominium unit;
b. structures at the location of the insured
premises owned solely by you, other than the
insured premises; or
Coverage D -- Additional Living
Costs and Fair Rental Value -Coverage D is amended to read that we also pay if the
insured premises is made unfit for its normal use by a
loss caused by a peril insured against to a building
containing the insured premises.
How Much We Pay For Loss or Claim -The replacement cost terms that apply to buildings
covered under Coverages A and B also apply to the
coverage provided by this endorsement.
c. property that is your insurance responsibility
under an agreement with an association or
corporation of property owners.
FL-32 Ed 1.0
AAIS
Copyright MCMXCII, American Association of Insurance Services
AAIS
FL-50
Ed 1.0
RESIDENTIAL ASSOCIATION LOSS ASSESSMENT
(The information required below may be shown on a separate schedule or on the Declarations.)
$
LIMIT
1. We agree to pay your share of an assessment
made by your homeowners, condominium, mobilehomeowners or similar residential association and
charged against all of the members of the
association up to the limit stated above. Coverage
applies only when the assessment results from
direct loss to the property owned collectively by all
association members and is caused by a peril (other
than earthquake) which applies under this policy.
Deductible -- We pay only that part of your share
of the assessment that is over $250 up to the limit
shown above. No other deductible applies to this
coverage.
3. We will not pay more than $1,000 of your assess–
ment which results from a deductible in the
insurance purchased by the association.
2. Under How Much We Pay for Loss or Claim, the
Deductible provision is replaced by the following with
respect to this coverage:
FL-50 Ed 1.0
AAIS
AAIS
FL 5001 01 07
Page 1 of 1
This endorsement changes the Dwelling Coverage
provided by this policy
-- PLEASE READ THIS CAREFULLY --
NAMED STORM WINDSTORM DEDUCTIBLE
(Entries required to complete the Schedule will
be shown below or on the Declarations.)
Schedule
Named Storm Windstorm Deductible:
DEFINITIONS
The following definition is added:
"Named Storm" means a storm system that has
been declared and named by the National
Weather Service. The duration of the "named
storm" includes the time period, in Virginia:
a. beginning at the time a storm is designated a
"named storm";
b. continuing for the time period during which
the "named storm" conditions exist anywhere
in Virginia; and
c.
ending 72 hours following the termination of
the last "named storm" watch or warning
issued for any part of Virginia by the National
Weather Service.
$
The "named storm" windstorm deductible is the
only deductible that applies to loss or damage
caused by a "named storm". If a windstorm is not
declared to be a "named storm" and there is loss
or damage to covered property, the applicable
deductible is the deductible that applies to loss
due to windstorm.
"We" pay only that part of the loss caused
directly or indirectly by windstorm that is more
than the "named storm" windstorm deductible
amount shown in the Schedule above.
The deductible applies per occurrence. If this
policy covers more than one residence, the
deductible applies separately to each residence.
The deductible applies regardless of other
causes or events that contribute to or aggravate
the loss, whether such causes or events occur
before, at the same time as, or after the loss
caused by a "named storm".
All other "terms" of the policy apply.
HOW MUCH WE PAY
FOR LOSS OR CLAIM
FL 5001 01 07
The following is added to the Deductible
provision:
Named Storm Windstorm Deductible -- This
applies to Principal Property Coverages A, B,
and C and all Incidental Property Coverages
except Emergency Removal; Fire Department
Service Charge; and Grave Markers.
Includes copyrighted material with permission of American Association of Insurance Services, Inc.
AAIS
FL 0670 03 03
Page 1 of 2
This endorsement changes
the policy
-- PLEASE READ THIS CAREFULLY --
CERTIFIED TERRORISM LOSS
(The entries required to complete this endorsement
will be shown below or on the "declarations".)
Certified Terrorism Loss Premium
Waived
The following provisions are added, however,
they apply only in the event that the Secretary of
the Treasury determines that the exposures
covered by this policy are subject to the Federal
Terrorism Risk Insurance Act of 2002 or any
amendments thereto.
1. With respect to all coverage parts attached to
this policy, the reference to words that have
special meaning is deleted and replaced by
the following:
Refer to Definitions for words and phrases
that have special meaning. These words and
phrases are shown in quotation marks or
bold type.
2. With respect to any coverage part attached
to this policy that does not define the "term"
"declarations", the following definition is
added:
"Declarations" means all pages labeled
Declarations, Supplemental Declarations, or
Schedules which pertain to this coverage
part.
3. The following definitions are added with
respect to all coverage parts attached to this
policy.
a. "Certified act of terrorism" means an act
that is certified by the Secretary of the
Treasury, in concurrence with the
Secretary of State and the Attorney
General of the United States:
1) to be an act of terrorism;
2) to be a violent act or an act that is
dangerous to human life, property, or
infrastructure;
3) to have resulted in damage:
a) within the United States; or
b) to an air carrier (as defined in
section 40102 of title 49, United
States Code); to a United States
flag vessel (or a vessel based
principally in the United States,
on which United States income
tax is paid and whose insurance
coverage is subject to regulation
in the United States), regardless
of where the loss occurs; or at
the premises of any United
States mission; and
4) to have been committed by an
individual or individuals acting on
behalf of any foreign person or
foreign interest, as part of an effort to
coerce the civilian population of the
United States or to influence the
policy or affect the conduct of the
United States Government by
coercion.
No act will be certified by the Secretary
of the Treasury as an act of terrorism if
the act is committed as part of the course
of a war declared by the Congress
(except with respect to any coverage for
workers' compensation) or if property
and casualty insurance losses resulting
from the act do not exceed $5,000,000 in
the aggregate.
b. "Certified terrorism loss" means loss that
results from a "certified act of terrorism".
Copyright, American Association of Insurance Services, Inc., 2003
AAIS
FL 0670 03 03
Page 2 of 2
4. The following provisions are added with
respect to all coverages provided by this
policy.
a. Coverage for "certified terrorism loss", to
the extent that such coverage is provided
by this policy, will be partially reimbursed
by the United States Government,
Department of Treasury, under a formula
established by the Terrorism Risk
Insurance Act of 2002. Under this
formula, the United States pays 90% of
the amount of the covered "certified
terrorism loss" that exceeds the
statutorily established deductible that
"we" retain.
b. If the Secretary of the Treasury
determines that the amount of "certified
terrorism loss" has exceeded the
maximum annual liability as set forth by
the Federal Terrorism Risk Insurance Act
of 2002 or any amendments thereto, and
"we" have met "our" deductible
requirements as specified by that Act,
"we" will not pay for any portion of
"certified terrorism loss" that exceeds the
maximum annual liability.
c.
The "terms" of this endorsement do not
provide coverage for any loss that would
otherwise be excluded by this policy
under:
1) exclusions that address war, military
action, or nuclear hazard; or
2) any other exclusion.
d. The absence of any other terrorism
endorsement does not imply coverage
for any loss that would otherwise be
excluded by this policy under:
1) exclusions that address war, military
action, or nuclear hazard; or
2) any other exclusion.
All other "terms" of the policy apply.
FL 0670 03 03
Copyright, American Association of Insurance Services, Inc., 2003
AAIS
Effective (08 03)
FPFL-55
Ed 1.0
REPLACEMENT VALUE
1. We agree to cover the replacement value of the
following covered property:
a. Coverage C -- Personal Property;
c. items not maintained in good or workable
condition; or
d. items that are outdated or obsolete and are
stored or not being used.
b. window air-conditioners;
4. Our limit -- We pay the lesser of the following
amounts for each covered item:
c. awnings and canopies;
d. antennas;
a. the applicable limit;
e. appliances;
b. an amount not greater than your interest in the
property;
f. carpets; and
c. the replacement value of the property as
defined in this endorsement;
g. window coverings.
2. Definition -- Replacement value means the cost to
repair or replace the property with new property of
equivalent kind and quality to the extent practical,
without deduction for depreciation.
3. Property Not Covered for Replacement Value -This endorsement does not apply to the following
property:
a. articles of art or rarity or antiques that cannot be
duplicated;
b. memorabilia, souvenirs, collector's items or any
similar items whose age or history contribute to
their value;
d. the amount computed after applying the deductible or other limitation applying to the loss.
5. When the replacement value for each occurrence is
more than $500, we are not liable for more than
the actual cash value of the loss until actual
repair or replacement is completed. You may
make a claim for the actual cash value amount of
the loss before repairs are made or replacement
is completed. A claim for any additional amount
payable under these terms must be made within
six months of whichever is the latest:
a the last date on which you received a payment
for the actual cash value; or
b the date of entry of a final order by a court
declaring your right to full replacement cost.
FPFL-55 Ed 1.0
AAIS
Copyright MCMXCII, American Association of Insurance Services
INSURED:
POLICY NUMBER:
ENDORSEMENT EFFECTIVE DATE:
Request for Issuance of Policy Subject to Restriction in Coverage
The coverage afforded under the policy to which this endorsement is attached is not obtainable by the
undersigned Named Insured at standard rates and its issuance is therefore requested subject to the
following restriction:
________________________________________________________________________________________
________________________________________________________________________________________
________________________________________________________________________________________
(Insert here applicable restriction)
___________________________________________
(Signature of Named Insured)
The following endorsement, duplicate copies of which shall be signed by the Named Insured and the
company, shall be attached to the policy and the daily report:
At the request of the Named Insured, it is agreed that this policy is restricted in the following respects:
________________________________________________________________________________________
________________________________________________________________________________________
________________________________________________________________________________________
(Insert here applicable restriction)
___________________________________________________________________ Insurance Company
By _____________________________________________________________________________________
(Title)
___________________________________________
(Signature of Named Insured)
FP DP 00 01 (10/95)
FP-FL-31. (01-01)
Ed 1.0
CONDOMINIUM UNIT-OWNER ADDITIONS
Coverage A -- Residence --
Coverage D - Fair Rental Value --
Under Coverage A -- Residence, item 1 is deleted and
replaced by the following:
Coverage D is amended to read that we also pay if the
insured premises is made unfit for its normal use by a
loss caused by a peril insured against to a building
containing the insured premises.
1. We cover the following property:
a. fixtures, alterations, decorations, additions,
installations, or items of real property that pertain
to your condominium unit;
b. structures at the location of the insured
premises owned solely by you, other than the
insured premises; or
How Much We Pay For Loss or Claim -The terms that apply to buildings covered under
Coverages A and B also apply to the coverage provided
by this endorsement.
c. property that is your insurance responsibility
under an agreement with an association or
corporation of property owners.
FP FL-31 (01-01)
Ed 1.0
FP FL-35 (01-01)
LIMITED THEFT COVERAGE
Ed 1.0
(The information required below may be shown on a separate schedule or on the Declarations.)
We pay for direct physical loss to property described in
this endorsement caused by the following perils:
1. Theft. This includes attempted theft and loss of
property from a known place when it is likely that
theft occurred. Coverage does not include
mysterious disappearance. However, we do not pay
for:
a. theft by an insured;
a. $ 500 on watercraft including their trailers,
furnishings, equipment, and motors.
b. $ 500 on trailers not otherwise provided for.
c.
b. theft in or to a structure being built, or theft of
materials and supplies for use in construction,
reconstruction or repair of the structure, until the
structure is finished and occupied; or
c. loss that results from the theft of a credit card or
fund transfer cards.
2. Burglary Damage. This means damage to covered
property caused by burglars. However, we do not
pay for loss on the insured premises if the
residence is vacant or unoccupied for more than 30
days in a row just before the loss. A residence
being built is not vacant.
Covered Property --
$1,000 on any device or instrument for the
transmitting, recording, receiving or reproduction
of data, sound or pictures, including:
(1) Accessories or antennas, or;
(2) Tapes, wires, records, discs or other
media for use with any such device or
instrument:
(3) Equipment used for data processing
including but not limited to computers,
monitors, hard drives, modems and other
related hardware and any software
including diskettes, cassettes, or CD-ROM
for the programming or operation of such
equipment;
unless otherwise excluded or excepted in this
policy.
3. Property Not Covered -- We do not cover:
1. On-Premises -- We cover personal property, while
on the insured premises, which is usual to the
occupancy of the dwelling as a residence. The
property must be owned or used by an insured, or
by a domestic employee. This coverage applies
only if a limit is shown for on-premises coverage
and an additional premium is paid.
On-Premises coverage applies to personal property:
a. located on the insured premises; or
b. placed for safekeeping in:
1) a bank;
2) a trust or safe deposit company;
3) bonded public warehouse.
The On-Premises
occurrence.
limit
is
$____________per
$___________annual
aggregate.
This is the most we will pay for any one covered loss
and total annual aggregate losses at the insured
premises.
2. Limitations On Certain Classes of Covered
Property -- The special limits shown below do not
FP FL-35 (01-01)
increase the On-Premises limit. The limit for each
class is the total limit per occurrence for all items in
that class.
a. loss caused by a tenant, roomer or boarder,
members of the tenant’s household, or their
employees or any property of a tenant, roomer or
boarder, members of the tenant’s household or
their employees;
b. land, including the land on which the property is
located, underground water or surface water;
c. trees, plants, shrubs, and lawns;
d. animals, birds, fish, or insects;
e. motorized vehicles. This includes their parts,
equipment, and accessories while in or on a
motorized vehicle. We do cover motorized
vehicles that are not subject to motor vehicle
registration if they are designed and used to
assist the handicapped or used only to service
the insured premises;
f. aircraft, including their parts and equipment.
Aircraft means any contrivance used or designed
for flight, except model aircraft.
g. electronic devices, accessories, or antennas that
may be operated from the electrical system of a
motorized vehicle, farm equipment, or
-- 1 -Includes copyrighted material from AAIS, used with its permission
Ed 1.0
watercraft while in or on the motorized vehicle,
farm equipment, or watercraft. This includes
films, tapes, wires, discs, records, or other media
for use with such devices;
h. farm property;
1. Insured means you or your family members who
reside with you.
2.
i. money, bank notes, bullion, gold other than
goldware and gold-plated ware, silver other than
silverware and silver-plated ware, platinum,
coins, metals and numismatic property;
j. securities, bills, letters of credit, notes other than
bank notes, tickets, accounts, deeds, evidence of
debt, passports, manuscripts, personal records,
sports cards and comic books, stamps, and
philatelic property;
k. business property;
l. jewelry, watches, precious and semiprecious
stones, gems, and furs;
m. silverware, goldware, pewterware, and items
plated with gold or silver; or
n. guns and items related to guns;
o. property held as a sample or for sale or delivery
after sale;
p. property separately described and specifically
insured by any other insurance;
q. tools;
Additional Definitions --
Domestic Employee means a person employed by
an insured to perform duties that relate to the use
and care of the insured premises. This includes a
person who performs duties of a similar nature
elsewhere for an insured. This does not include a
person while performing duties in connection with
the business of an insured.
What You Must Do In Case Of Loss
The following paragraph is added:
f. notify the police in case of loss by theft.
How Much We Pay For Loss Or Claim
Item 5. Insurance Under More Than One Policy is
deleted with respect to coverage provided by this
endorsement and replaced by the following: If there
is other insurance that applies to the loss, whether
collectible or not, our share is that part of the loss
that the limit of liability applicable under this
endorsement bears to the total amount of insurance
that applies to the loss.
Policy Conditions
4. Cancellation added;
The following paragraphs are
Notice of Cancellation of the Theft coverage part only
shall be 30 days except: ten (10) days to insured and
mortgagee on owner-occupied dwelling and five (5)
days to insured and ten (10) days to mortgagee on
other than owner-occupied dwelling for the following
underwriting standards or conditions:
a. any structure which has one or more substandard
physical characteristics, other than P6, as
displayed on the Declarations Page;
b. any structure occupied as other than a primary nonseasonal residence;
c. more than one (1) covered loss in a three (3) year
period;
d. failure to maintain 100% insurance to value;
e. failure to protect all exterior windows & doors,
including garages and outbuildings, with a
locking device.
b(4) a. When this policy is canceled, the premium for
the period from the date of cancellation to the
expiration date will be refunded prorata.
b. If the return premium is not refunded with the
notice of cancellation or when this policy is
returned to us, we will refund it within a
reasonable time after the date cancellation takes
effect.
All other provisions of this policy apply.
FP FL-35 (01-01)
-- 2 -Includes copyrighted material from AAIS, used with its permission
Ed 1.0
AAIS
WET ROT, DRY ROT, BACTERIA, FUNGI, OR PROTISTS EXCLUSION
FP GL 49 01 (04 02)
This endorsement changes the Personal Liability Coverage provided by this policy
-- PLEASE READ THIS CAREFULLY --
1. The following provisions are added under
Exclusions That Apply To Coverages L And M.
a. This policy does not apply to:
1) actual or alleged "bodily injury" or
"property damage" (or "personal injury",
when provided by this policy) that
results directly or indirectly from
ingestion of, inhalation of, physical
contact with, or exposure to:
a) wet rot; dry rot; a bacterium; a
fungus, including but not limited to
mildew and mold; or a protist,
including but not limited to algae
and slime mold; or
b) a chemical, matter, or a compound
produced or released by wet rot, dry
rot, a bacterium, a fungus, or a
protist, including but not limited to
toxins, spores, fragments, and
metabolites such as microbial
volatile organic compounds;
2) any loss, cost, or expense arising out of
any request, demand, or order that any
"insured" or others test for, monitor,
clean up, remove, contain, treat,
detoxify, neutralize, or in any way
respond to or assess the effects of:
a) wet rot; dry rot; a bacterium; a
fungus, including but not limited to
mildew and mold; or a protist,
including but not limited to algae
and slime mold; or
b) a chemical, matter, or a compound
produced or released by wet rot, dry
rot, a bacterium, a fungus, or a
protist, including but not limited to
toxins, spores, fragments, and
metabolites such as microbial
volatile organic compounds; or
3) any loss, cost, or expense arising out of
any claim or suit by or on behalf of any
governmental authority relating to
testing for, monitoring, cleaning up,
removing, containing, treating,
detoxifying, neutralizing, or in any way
responding to or assessing the effects
of:
a) wet rot; dry rot; a bacterium; a
fungus, including but not limited to
mildew and mold; or a protist,
including but not limited to algae
and slime mold; or
b) a chemical, matter, or a compound
produced or released by wet rot, dry
rot, a bacterium, a fungus, or a
protist, including but not limited to
toxins, spores, fragments, and
metabolites such as microbial
volatile organic compounds.
b. However, exclusion 1.a.1) above does not
apply to:
1) "bodily injury" that results from a fungus
cultivated or harvested for human
consumption or a food-borne or
beverage-borne bacterium that causes
illness commonly known as food
poisoning (Food-borne or beverageborne bacteria that cause illness
commonly known as food poisoning
include but are not limited to
Staphylococcus aureus, Salmonella,
Clostridium perfringens, Campylobacter,
Listeria monocytogenes, Vibro
parahaemolyticus, Bacillus cereus, and
Escherichia coli.); or
2) "bodily injury" to a "farm employee" to
the extent that coverage for "bodily
injury" to "farm employees" is provided
by this policy.
3) "bodily injury" that results from a slip, a
fall, or loss of footing that is attributed to
the presence of a slippery surface.
2. All other "terms" of the Personal Liability
Coverage or Farm Personal Liability Coverage
apply.
FP GL 4901 (04 02)
Includes copyrighted material with the permission of American Association of Insurance Services
Page 1 of 1
FPGL1 (01-01)
— THIS IS A LEGAL CONTRACT —
PLEASE READ IT CAREFULLY
Ed 1.0
PERSONAL LIABILITY COVERAGE
TABLE OF CONTENTS
Agreement ................................................................................................ 1
Definitions ................................................................................................. 2
Principal Personal Liability Coverages
Coverage L — Liability ....................................................................... 3
Coverage M — Medical Payments To Others ....................................... 3
Incidental Personal Liability Coverages ........................................................ 3
Exclusions That Apply To Coverages L and M .............................................. 5
Additional Exclusions That Apply Only To Coverage L................................... 6
Additional Exclusions That Apply Only To Coverage M.................................. 6
What You Must Do In Case Of Loss............................................................ 6
How Much We Pay For Loss or Claim ......................................................... 7
Payment of Loss or Claim .......................................................................... 7
Conditions ................................................................................................ 7
Endorsements may also apply. They are identified on the Declarations page.
Refer to the Definitions for words that have special meanings. These words are shown in "bold type".
AGREEMENT
Subject to all the terms that apply, and in return for your payment of the required premium, we provide Personal
Liability Coverage during the policy period. Each principal coverage described herein applies only if a limit is shown
on the Declarations for that coverage.
Policy terms that relate to changes made to the policy; inspections; examination of books; cancellation; and
assignment or transfer of rights or duties also apply.
FPGL1 (01-01)
—1—
Ed 1.0
DEFINITIONS
d. your legal representative, if you die while insured
by this Personal Liability Coverage. This person
is an insured only for liability arising out of the
insured premises. An insured at the time of
your death remains an insured while residing on
the insured premises;
e. persons using or caring for watercraft or animals
owned by an insured to which this insurance
applies (This does not include persons using or
caring for watercraft or animals in the course of
business or without the owner's consent.);
f. persons in the course of performing domestic
duties that relate to the insured premises; and
g. persons in the course of acting as your real
estate manager for the insured premises.
1. The words you and your mean the person or
persons named on the Declarations and your
spouse if a resident of your household. The words
we, us, and our mean the company providing this
insurance.
2. Bodily Injury means bodily harm to a person and
includes sickness, disease or death. This also
includes required care and loss of services.
Bodily Injury does not mean bodily harm, sickness,
disease or death that arises out of:
a. a communicable disease; or
b. the actual, alleged or threatened
molestation of a person.
Each of the above is a separate insured, but this
does not increase our limit.
sexual
3. Business means a trade, a profession or an
occupation including farming, all whether full or part
time. This includes the rental of property to others. It
does not include the occasional rental for residential
purposes of the part of the insured premises
normally occupied solely by your household.
6. Insured Premises means:
a. the one to four family dwelling shown on the
Declarations. This includes structures or parts of
buildings where you reside;
b. all other premises shown on the Declarations;
c. all vacant land owned by or rented to an insured.
This includes land where a residence is being
built for the use of an insured. This does not
include farm land;
d. that part of a residence, acquired by you during
the policy period, and to be used by you;
e. your cemetery lots and your burial vaults or
those of your resident relatives;
f. that part of a premises not owned by an insured
if it is temporarily used as a residence by an
insured;
g. all premises used by you in connection with
your residence;
h. all access ways adjoining the insured premises;
and
i. that part of premises occasionally rented to an
insured for other than business purposes.
Business includes services regularly provided by an
insured for the care of others and for which an
insured is compensated. A mutual exchange of like
services is not considered compensation.
Business does not include:
a. the incidental activities that are usually performed
by minors; or
b. activities that are related to business, but are
usually viewed as non-business in nature.
4. Domestic Employee means a person employed by
an insured to perform duties that relate to the use
and care of the insured premises. This includes a
person who performs duties of a similar nature
elsewhere for an insured. This does not include a
person while performing duties in connection with the
business of an insured.
5. Insured means:
7. Limit means the limit of liability that applies.
8. Motorized Vehicle means a self-propelled land or
amphibious vehicle regardless of method of surface
contact. This includes parts and equipment.
a. you;
b. your relatives if residents of your household;
c. persons under the age of 21 in your care or in
the care of your resident relatives;
FPGL1 (01-01)
—2—
This does not include vehicles that are designed and
used to assist the handicapped and are not required
to be licensed for road use.
Ed 1.0
9. Motor Vehicle means a motorized vehicle, a
trailer or a semi-trailer, and all attached machinery or
equipment, if:
a. it is subject to motor vehicle registration; or
b. it is designed for use on public roads.
10. Occurrence means an accident. This includes loss
from repeated exposure to similar conditions.
Coverage M — Medical Payments To Others — We
pay the necessary medical expenses if they are
incurred or medically determined within three years from
the date of an accident causing covered bodily injury.
Medical expenses means the reasonable charges for
medical, surgical, x-ray, dental, ambulance, hospital,
professional nursing, funeral services, prosthetic devices
and eyeglasses, including contact lenses. This applies
only to:
11. Pollutant means any solid, liquid, gaseous, thermal
or radioactive irritant or contaminant, including acids,
alkalis, chemicals, fumes, smoke, soot, vapor or
waste. Waste includes materials to be disposed of,
recycled, reconditioned or reclaimed.
1. a person on the insured premises with the
permission of an insured; and
12. Property Damage means physical injury to tangible
property. This includes the loss of use.
a. is a result of a condition on an insured
premises;
b. is caused by an activity of an insured;
c. is caused by a person in the course of performing
duties as a domestic employee;
d. is caused by an animal owned by or in the care
of an insured; or
e. is sustained by a domestic employee and
arises out of and in the course of employment.
2. a person away from the insured premises if the
bodily injury:
13. Recreational Motor Vehicle means a motorized
vehicle, a trailer, or attached equipment that is
designed or is used for leisure time activities, and
which is not a motor vehicle.
14. Terms means all provisions, limitations, exclusions,
and definitions used in this Personal Liability
Coverage.
INCIDENTAL PERSONAL LIABILITY
COVERAGES
PRINCIPAL PERSONAL LIABILITY
COVERAGES
Coverage L — Liability — We pay, up to our limit, all
sums for which an insured is liable by law because of
bodily injury or property damage caused by an
occurrence to which this coverage applies. We will
defend a suit seeking damages if the suit resulted from
bodily injury or property damage not excluded under
this coverage. We may make investigations and settle
claims or suits that we decide are appropriate. We do
not have to provide a defense after we have paid an
amount equal to our limit as a result of a judgment or
written settlement.
These coverages are subject to all the terms of
Coverages L and M. Except for Claims and Defense
Cost and First Aid Expense, they do not increase the
limit stated for the Principal Personal Liability
Coverages.
1. Damage To Property Of Others — Regardless of
an insured's legal liability, we pay for property of
others damaged by an insured, or we repair or
replace the property, to the extent practical, with
property of like kind and quality. Our limit for this
coverage is $500 per occurrence.
The exclusions that apply to Coverages L and M do
not apply to this coverage. However, we do not pay
for damage to property:
a. owned by an insured, or owned by, rented to or
leased to another resident of your household or
the tenant of an insured;
FPGL1 (01-01)
—3—
Ed 1.0
b. caused intentionally by an insured who has
attained the age of 13; or
c. resulting in whole or in part from:
injury or the property damage which:
a. occurs on the insured premises and is a result
of the ownership, maintenance, use, loading or
unloading of:
1) activities related to a business of an insured;
2) premises owned, rented or controlled by an
insured, other than an insured premises; or
3) the ownership, operation, maintenance, use,
occupancy, renting, loaning, entrusting,
supervision,
loading
or
unloading
of
motorized vehicles, aircraft or watercraft.
We do pay for property damage to
motorized vehicles not subject to motor
vehicle registration and not owned by an
insured if the motorized vehicle is used
only to service the premises or if it is
designed for recreational use off public roads.
2. Contracts And Agreements — We pay for
damages for bodily injury or property damage
resulting from liability assumed by an insured under
a written contract made before the loss. The loss
causing the bodily injury or property damage
must have occurred during the policy period. This
coverage does not apply to a contract in connection
with business activities of an insured.
3. Claims And Defense Cost — If we defend a suit,
we pay:
1) a motorized vehicle if it is not subject to
motor vehicle registration because of its
type or use; or
2) a recreational motor vehicle;
b. results from:
1) a golf cart while used for golfing purposes;
2) a utility, boat, camp or mobile home trailer,
except when the trailer is carried on, is towed
by or is attached to a motor vehicle or a
recreational motor vehicle; or
3) a motorized vehicle which is designed only
for use off public roads and which is used
mainly to service the insured premises;
c. results from an insured's use of a recreational
motor vehicle which is not owned by an
insured.
6. Watercraft —
a. the costs taxed to an insured;
b. the costs incurred by us;
c. the actual loss of earnings by an insured for time
spent away from work at our request (We pay up
to $50 per day.);
d. the necessary costs incurred by you at our
request;
e. the interest which accrues after the entry of a
judgment, but ending when we tender or pay up
to our limit;
f. the premiums on appeal bonds or bonds for the
release of attachments up to our limit (We are
not required to apply for or furnish bonds.);
g. the premiums up to $500 per bail bond required of
an insured because of an accident or a traffic
law violation arising out of the use of a vehicle to
which this Personal Liability Coverage applies
(We are not required to apply for or furnish
bonds.); and
h. prejudgment interest awarded against an insured
on that part of the judgment we pay. If we offer
to pay the limit, we will not pay any prejudgment
interest based on that period of time after the
offer.
a. We pay for the bodily injury or the property
damage which results from the maintenance,
use, loading or unloading of:
1) a watercraft while it is on the insured
premises;
2) a watercraft which is not owned by or rented
to an insured if the loss is a result of the
activities of an insured;
3) a watercraft which is owned by or is rented to
an insured and which is powered by inboard
or inboard/outboard motors which total 50
horsepower or less;
4) a sailing vessel with or without auxiliary power
which is owned by or is rented to an insured
and is less than 26 feet in length; or
5) a watercraft which is powered by outboard
motors which total 25 horsepower or less.
4. First Aid Expense — We pay the expenses
incurred by an insured for first aid to persons, other
than insureds, for covered bodily injury.
5. Motorized Vehicles — We pay for the bodily
FPGL1 (01-01)
—4—
Ed 1.0
b.We pay for the bodily injury or the property
damage which results from the maintenance,
use, loading or unloading of a watercraft that is
powered by outboard motors which total more
than 25 horsepower, if:
1) the motors are listed on the Declarations;
2) the motors are acquired by an insured during
the policy period and a request for coverage is
made within 45 days after they are acquired;
or
3) the motors are not owned by an insured.
7. Business — We pay for the bodily injury or the
property damage which results from:
a. the rental of that part of the insured premises
that is usually occupied by you as a residence;
b. the rental of other parts of the insured premises
for use as a residence (No family unit may
include more than two roomers or boarders.); or
c. the rental of a part of the insured premises for
use as a school, studio, office or private garage.
owned or operated by or rented or loaned to an
insured. We do pay:
a. for bodily injury to a person in the course of
performing duties as a domestic employee; or
b. if coverage is provided by an Incidental Motorized
Vehicle or Watercraft Coverage;
4. the use of a motorized vehicle in, or in the practice
or the preparation for, racing, speed, pulling or
pushing, demolition or stunt activities or contests;
5. liability imposed by law on an insured for the use of
a motorized vehicle, aircraft or watercraft, except if
coverage is provided for by an Incidental Motorized
Vehicle or Watercraft Coverage;
6. the rendering of or the failing to render a professional
service;
7. activities related to the business of an insured;
8. premises that are owned, rented or controlled by an
insured and that are not the insured premises. We
do pay for bodily injury to a person in the course of
performing duties as a domestic employee;
EXCLUSIONS THAT APPLY TO
COVERAGES L AND M
9. an intentional act of an insured or an act done at
the direction of an insured;
Personal Liability Coverage does not apply to bodily
injury or property damage which results directly or
indirectly from:
1. war (This includes undeclared war, civil war,
insurrection, rebellion, revolution, warlike act by a
military force or military personnel, or destruction,
seizure or use of property for a military purpose.
Discharge of a nuclear weapon is deemed a warlike
act even if accidental.);
2. the ownership, operation, maintenance, use,
occupancy, renting, loaning, entrusting, supervision,
loading or unloading of aircraft, except for bodily
injury to a person while performing duties as a
domestic employee (This exclusion does not apply
to model airplanes.);
3. the ownership, operation, maintenance, use,
occupancy, renting, loaning, entrusting, supervision,
loading or unloading of
FPGL1 (01-01)
motorized vehicles or watercraft
10. an occurrence for which an insured is also an
insured under a nuclear energy liability policy or
would be an insured but for the exhaustion of its
limits (A nuclear energy liability policy is a policy
issued by the Nuclear Energy Liability Insurance
Association, Mutual Atomic Energy Liability
Underwriters, Nuclear Insurance Association of
Canada or their successors.); or
11. the discharge, dispersal, release or the escape of
pollutants into or upon land, water or air, except if
such discharge, dispersal, release or escape is
sudden and accidental. However, this exclusion
does not apply to bodily injury or property
damage that arises from the heat, smoke or fumes
of hostile fire on the insured premises. Hostile fire
is a fire that becomes uncontrollable or breaks out
from where it was intended to be.
—5—
Ed 1.0
12. a. actual or alleged bodily injury that results
directly or indirectly from the ingestion,
inhalation or absorption of lead in any form;
b. actual or alleged property damage that results
directly or indirectly for any form of lead;
c. any loss, cost or expense arising out of any
request, demand or order that any Insured or
others test for, monitor, clean up, remove,
contain, treat, detoxify or neutralize or in any
way respond to or assess the effects of lead;
or
d. any loss, cost or expense arising out of any
claim or suit by or on behalf of any
governmental authority for damages resulting
from testing for, monitoring, cleaning up,
removing containing, treating, detoxifying or
neutralizing or in any way responding to or
assessing the effects of lead.
ADDITIONAL EXCLUSIONS THAT APPLY ONLY TO
COVERAGE L
1. an insured or other person who resides on the
insured premises, except a domestic employee;
2. a person who is on the insured premises because
a business is conducted or professional services are
rendered on the insured premises; or
3. a person, including a domestic employee, if a
workers' compensation policy covers the injury or
if benefits are provided under a workers'
compensation,
non-occupational
disability,
occupational disease or like law.
WHAT YOU MUST DO IN CASE OF LOSS
1. Notice — In the case of an occurrence (or if an
insured becomes aware of anything that indicates
that there might be a claim under this Personal
Liability Coverage), the insured must promptly give
us or our agent notice (in writing if requested).
Coverage L does not apply to:
The notice must state:
1. bodily injury to you, and if residents of your
household, your relatives, and persons under the
age of 21 in your care or in the care of your resident
relatives;
a. the name of the insured; the policy number; and
the time, place, and the details of the
occurrence; and
b. the names and the addresses of all known
potential claimants and witnesses.
2. liability assumed under a contract or an agreement,
except as provided for by Incidental Contracts and
Agreements Coverage;
3. damage to property owned by an insured;
4. damage to property that is rented to, occupied by,
used by, or in the care of an insured, except for
property damage caused by fire, smoke or
explosion;
5. sickness, disease or death of a domestic
employee unless a written notice is received by us
within 36 months after the end of the policy period in
which the injury occurred; or
6. bodily injury to a person, including a domestic
employee, if the insured has a workers'
compensation policy covering the injury or if benefits
are payable or are required to be provided by an
insured under a workers' compensation, nonoccupational disability, occupational disease or like
law.
2. Cooperation — The insured must cooperate with
us in performing all acts required by this Personal
Liability Coverage.
3. Volunteer Payments — An insured must not
make payments, pay or offer rewards or assume
obligations or other costs except at the insured's
own cost. This does not apply to costs that are
allowed by this Personal Liability Coverage.
4. Other Duties — Liability Coverage — In case of
an occurrence which might result in a claim, the
insured must promptly give us copies of all legal
papers, demands and notices that relate to the
occurrence or claim.
At our request, the insured must help us:
a. to settle a claim;
b. to conduct suits (This includes being at trials and
hearings);
c. to enforce the right of recovery or indemnification
against all parties who may be liable to an
insured for the injury or damage;
d. in the securing of and giving of evidence; and
e. in obtaining the attendance of all witnesses.
ADDITIONAL EXCLUSIONS THAT APPLY ONLY TO
COVERAGE M
Coverage M does not apply to bodily injury to:
FPGL1 (01-01)
5. Other Duties — Medical Payments To Others
—6—
Ed 1.0
Coverage — In case of a loss the injured person or
someone acting on behalf of that person must:
a. give us written proof of claim (under oath if we
request) as soon as practical; and
b. authorize us to get copies of medical records.
The injured person must submit to physical exams
by doctors chosen by us when and as often as we
may require.
does not apply until the limits of all other policies
covering this loss have been exhausted.
PAYMENT OF LOSS OR CLAIM
A person who has secured a judgment against an
insured for an insured loss or has liability established
by a written agreement between the claimant, an
insured and us is entitled to recover under this
Personal Liability Coverage to the extent of coverage
provided.
HOW MUCH WE PAY FOR LOSS OR CLAIM
1. Coverage L — Liability — The limit shown on the
Declarations for Coverage L is the most we pay for
loss for each occurrence. This applies regardless of
the number of:
a. persons insured under this Personal Liability
Coverage;
b. parties who sustain injury or damage; or
c. claims made or suits brought.
2. Coverage M — Medical Payments To Others —
The limit shown on the Declarations per person for
Coverage M is the most we pay for all medical
expenses payable for bodily injury to one person
as the result of one accident.
CONDITIONS
1. Bankruptcy Of An Insured — Bankruptcy or
insolvency of an insured does not relieve us of our
obligations under this Personal Liability Coverage.
2. Conformity With Statute — Terms in conflict with
the laws of the state where the premises described
on the Declarations is located are changed to
conform to such laws.
3. Misrepresentation, Concealment Or Fraud —
This Personal Liability Coverage is void if, before or
after a loss:
When a limit is shown on the Declarations per
accident for Coverage M, that limit is the most we
pay for any one accident.
a. an insured has
misrepresented:
4. Coverage L — Insurance Under More Than One
Policy — (This does not apply to Coverage M –
Medical Payments to Others).
If there is other insurance which applies to a loss, we
pay only that part of the loss that the applicable limit of
liability under this policy bears to the total amount of
insurance covering the loss.
If the master policy of a condominium association
applies to a covered loss, this insurance is excess
over the insurance under such master policy.
If a loss arises out of the ownership, maintenance,
use, loading or unloading of a motorized vehicle or
watercraft to which this policy applies, this insurance
FPGL1 (01-01)
concealed
or
1) a material fact or circumstances with respect
to this insurance; or
2) an insured's interest herein.
The payment of a claim under Coverage M does not
mean we admit we are liable under Coverage L.
3. Insurance Under More Than One Coverage — If
more than one coverage applies to a loss, we pay
no more than the actual loss.
willfully
b. there has been fraud or false swearing by an
insured with respect to this insurance or the
subject thereof.
4. Subrogation — If we pay for a loss, we may
require that the insured assign to us the right of
recovery up to the amount we pay. We are not
liable for a loss if, after the loss, an insured
impairs our right to recover against others. You
may waive your right to recover, in writing, before
a loss occurs, without voiding coverage.
Subrogation does not apply to Coverage M —
Medical Payments to Others or to Damage to
Property of Others under the Incidental Personal
Liability Coverages.
5. Suit Against Us — No suit may be brought against
us unless:
—7—
a. all the terms of this Personal Liability Coverage
Ed 1.0
have been complied with; and
b. the amount of an insured's liability has been
fixed by:
10.
1) a final judgment against an insured which is
the result of a trial; or
2) a written agreement of the insured, the
claimant and us.
Examination of Books and Records - We
may examine and audit your books and records that
relate to this policy during the policy period and
within three years after the policy has expired.
No person has a right under this Personal Liability
Coverage to join us or implead us in actions that are
brought to fix the liability of an insured.
6. Assignment - This policy may not be assigned
without our written consent.
7. Cancellation - Notice of Cancellation shall be 30
days except; ten (10) days to insured and
mortgagee on owner-occupied dwellings and five (5)
days to insured and ten (10) days to mortgagee on
other than owner-occupied dwellings for the
following underwriting standards or conditions:
a. any insured structure is used for business
purposes;
b. any animal owned by any person insured under
this policy, or any animal located at any location
insured under this policy, has ever bitten,
attached, or harmed any individual;
c. any structure insured under this policy is used to
provide child care services;
d. more than two (2) liability losses in a three (3)
year period;
e. any structure found to be other than a one (1) or
two (2) family owner occupied dwelling.
Your return premium, if any, will be calculated on a
pro rata basis and will be refunded at the time of
cancellation or as soon as practical. Payment or
tender of the unearned premium is not a condition of
cancellation.
8. Change, Modification or waiver of Policy Terms
- A waiver or change of the terms of this policy must
be issued by us in writing to be valid. If in the policy
period, we adopt a revision which broadens coverage
without an additional premium, the broadened
coverage will apply.
If this policy has no expiration date, we may
substitute or we may add, at each anniversary date,
forms that are then authorized for use.
9. Inspections - We have the right, but are not
obligated, to inspect your property and operations.
This inspection may be made by us or may be made
on our behalf. An inspection or its resulting advice
or report does not warrant that your property or
operations are safe, healthful or in compliance with
laws, rules or regulations. Inspections or reports are
for our benefit only.
FPGL1 (01-01)
—8—
Ed 1.0
GL-70 (01-01)
Ed 1.1
ADDITIONAL INSURED
(The information required below may be shown on a separate schedule or on the Declarations.)
Name and Address of Person or Organization:
Location of Premises:
Interest:
The definition of insured includes the
person or organization named above as the
interest appears.
Coverage applies only with respect to the
premises shown above. This includes the
GL-70 (01-01)
necessary and incidental operations of the
premises.
Coverage does not apply to bodily injury to
an employee arising out of or in the course
of employment by an insured.
Ed 1.1
REQUEST FOR ISSUANCE OF LIABILITY ENDORSEMENT WITH
RESTRICTIONS IN COVERAGE
DWELLING
FP DL 00 02 01 99
POLICY NUMBER:
INSURED:
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
This endorsement effective_______________________,
the effective hour being the same as that designated in the
policy to which this endorsement is attached, forms a part of
the policy listed above.
YOUR POLICY CHANGED AS FOLLOWS:
It is hereby requested that in consideration of your
continuing my policy at this time the following agreement is
made:
This company shall not be liable under COVERAGE L -
PERSONAL LIABILITY, COVERAGE M MEDICAL PAYMENTS TO OTHERS OR
ADDITIONAL COVERAGES of this policy for loss or
damage caused by, resulting from, contributed to or
aggravated by,
Description of animal(s) excluded:
Owned by, or in the care of, custody or control of the
insured, or any member of the insured's family or
household.
This agreement also applies to any reinstatement or
renewal of this policy.
All other terms and conditions of this policy remain
unchanged.
Date:
Signed:
Date:
Signed:
FP DL 00 02 01 99
(Insured)
(Producer)
Copyright, Virginia Property Insurance Association, 1999
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