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BANKERS INSURANCE GROUP

Homeowners Manual

Florida

Customer Service: 800-437-2742

Fax: 888-866-0378

Claims Service Center: 800-765-9700

Fax: 877-541-4084

FIRST COMMUNITY INSURANCE COMPANY HOMEOWNERS FLORIDA (09)

HO 00 03, HO 00 04 and HO 00 06 Edition 2019.05

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TABLE OF CONTENTS

Coverage Overview 6-7

Limits of Liability 6

Covered Perils – Property Damage 7

Covered Perils – Liability 7

Eligibility / Underwriting Guidelines 8-13

General Eligibility 8-9

Ineligible Risks 9

Age of Home 9-10

Applicant 10

Coverage Eligibility 10-11

Elevators 11

Foundation 11

Heating and Cooling Systems 11

Occupancy and Use 11-12

Pools and Ponds 12

Prior Insurance 12

Prior Loss History 12

Roof 12

Seasonal / Secondary Residences 13

Binding 14

Agent Binding Authority 14

Binding Restrictions 14

General Rules 15-20

Additional Insured Residence Premises 15

Additional Interest Residence Premises 15

Broker of Record Changes 15

Building Code Effectiveness Grading 15

Cancellation or Reductions in Limits of Liability or Coverages 16

Change Endorsement 16

Construction Definitions 16

Mandatory Endorsements 16-17

Manual Premium Revisions 17

Multiple Company Insurance 17

Payment Plans 17

Policy Term 18

Protection Class Information 18



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General Rules – Continued 15-20

Renewal Plan – Loss Free Discount 18

Single Building Definition 19

Supporting Documentation 19

Townhouse, Rowhouse and Duplex Definition 19

Transfer or Assignment 19

Waiver of Premium 19

Whole Dollar Premium 19

Wind Resistance 20

Fees 21

Emergency Management Preparedness and Assistance Trust Fund Surcharge 21

Managing General Agency Fee 21

Deductibles 22-23

All Other Peril Deductible 22

Calendar Year Hurricane Deductible 22-23

Sinkhole Deductible 23

Premium Calculation 24-27

Base Premium Calculation 24

Adjustments to Base Premium 24

Additional Coverages 24

Additive Coverages Section I and II 24

Policy Premium Before Fees 24

Fees 24

Total Policy Premium 24

Quote Sheet 25-26

Base Premium Calculation 27-37

Base Rates – Non-Hurricane 27-29

Base Rates – Hurricane 29-32

Amount of Insurance Factors 33-34

Building Code Effectiveness Grading Factors 35

Construction Factors – Hurricane 35

Protection Class / Construction Factors – Non-Hurricane 35-36

Adjustments to Base Premium 37-51

Covered Porch / Lanai Surcharge 37

Distance to Coast Factors 37

Underwriting Tier 37-39

Limited Water Damage 39



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Adjustments to Base Premium - Continued 39-51

Multiple Policy Discount 39

No Prior Insurance/Lapse in Coverage Surcharge 39

Proof of Updates – All Systems 40

Protective Device(s) Discount 40

Retiree Discount 41

Seasonal / Secondary Residence Surcharge 41

Second Story Discount 41

Secured Community / Building Discount 41

Townhouse, Rowhouse or Duplex Factor 42

Water Damage Exclusion 42

Water Detection Leak Discount 42

Water Loss Prevention Discount 43

Windstorm Loss Reduction Credit 43-48

Windstorm or Hail Exclusion 49

Year of Construction/Age of Home Factors 50-51

Additional Coverages 52-58

BOSS and BOSS Plus Endorsement Packages 52-53

Coverage C – Personal Property Exclusion 53

Increased/Decreased Ordinance or Law Coverage 54

Increased Replacement Cost on Dwelling 54

Limited Hurricane Coverage for Pool Cages, Screened Enclosures or Carports 55

Personal Property Replacement Cost Coverage 55

Sinkhole Coverage and Catastrophic Ground Cover Collapse 55-57

Special Personal Property Coverage 57

Unit- Owners Rental to Others 58

Additive Coverages Section I 59-63

Coverage A – Dwelling Increased Limits and Special Coverage 59

Coverage B – Other Structures Increased Limits 59

Coverage C – Personal Property Decreased Limits 59

Coverage C –Personal Property Increased Limits 59

Coverage C –Personal Property Increased Limits Other Residences 59

Coverage C – Personal Property Increased Special Limits of Liability 60

Coverage D – Loss of Use Increased Limits 60

Fire Department Service Charge 60

Home Computer Coverage 60

Identity Fraud Expense Coverage 61

Limited Fungi, Wet or Dry Rot or Bacteria Coverage Increased Limits 61

Loss Assessment Coverage Increased Limits 62

Other Members of Your Household 62

Scheduled Personal Property 62-63

Water Back Up and Sump Overflow 63



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Additive Coverages Section II 64-66

Coverage E – Personal Liability and Coverage F – Medical Payments to Others 64

Golf Cart Liability 64-65

Animal Liability Coverage - Limited 65

Personal Injury 65

Equipment Breakdown 66

Territories 67-93

Territories by Zip Code 67-93

Endorsements 94-95

Index Of Endorsements 94-95



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First Community Insurance Company (FCIC) Homeowners Program is offered to provide affordable coverage combinations for dwellings, condominiums and apartments. This manual contains information to write Homeowners Forms HO 00 03 10 00, HO 00 04 10 00 and HO 00 06 10 00 using the forms and endorsements specified in this manual. The company will not apply any criteria that may be in conflict with state statute or insurance regulation. Visit our website: www.bankersinsurance.com

Homeowners Program – New Business Coverage Overview

LIMITS OF LIABILITY

HO 00 03 HO 00 04 HO 00 06

Coverage A Dwelling $75,000 - $1,000,000 NOT APPLICABLE Min - $25,000

Coverage B Other Structures

2% of Coverage A

NOT APPLICABLE NOT APPLICABLE

Coverage C Personal Property

50% of Coverage A

$25,000 - $175,000

Min - $25,000 Max - $600,000

combined Coverage A & C

Coverage D Loss of Use

20% of Coverage A

20% of Coverage C 40% of Coverage C

Coverage E Liability

Minimum-$100,000 Maximum-$500,000



Coverage F Medical Payments to Others




Year of Construction

Dwellings older than 75 years must be

submitted to underwriting





.

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Covered Perils The following is a general description of coverages provided by the Homeowners policy form. The policy should be consulted for exact conditions.

PROPERTY DAMAGE

Perils All Forms Fire or Lightning Yes

Windstorm or Hail, Explosion, Riot or Civil Commotion, Aircraft, Vehicles, Smoke Yes

Vandalism or Malicious Mischief Yes

Theft Yes

Volcanic Eruption Yes

Falling objects, weight of ice, snow or sleet, accidental discharge of water or steam, sudden and accidental tearing apart of heating system or appliance, freezing, sudden accidental damage from electrical current

Yes

Additional risks with certain exceptions (Special Coverage) HO 00 03 Only

LIABILITY

Coverage E Personal Liability

Covers payment on behalf of an insured for damages that the insured shall become legally obligated to pay because of bodily injury or property damage arising out of an insured’s premises or personal activities. Animal, Day Care, Trampoline, ATV, Diving Board and Pool Slide Liability Exclusions are standard endorsements to all policies. Applies on an occurrence basis.

Coverage F Medical Payments

To Others

Covers medical expenses incurred by persons, other than the insured, who sustain bodily injury caused by an accident arising out of an insured’s premises or personal activities. Applies on an each person basis.



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●ELIGIBILITY / UNDERWRITING GUIDELINES● The following guidelines will assist you in identifying risks which are eligible and those properties we are unable to write in this program. Please note that underwriting reserves the right to determine the acceptability of each individual risk based on the information provided or obtained. These guidelines apply to both new business and renewal business.

• Located on five acres or less. Homes on more than five acres must be submitted for approval prior to

binding.

• Claims: o Prior Weather Related & Catastrophe claims are acceptable. o Prior Fire or Liability claims are ineligible for the programs.

• All Credit Scores are eligible.

• Protection Class 1 – 9 are eligible: o Homes located in Protection Class 9 must be in an approved subdivision with a credible water

supply. They must have continual occupancy (12 month).

General Eligibility

• Dwellings insured on the HO 00 03 form must be insured to at least 100% Replacement Cost Value. Documentation of replacement cost valuation is required on all new business. If replacement cost exceeds market value, refer to underwriting for approval. If a routine home inspection or information from Property Appraiser records reveals a discrepancy in the Coverage A – Dwelling limit of liability, we will change the limit of liability and notify the agent and the insured.

• Dwellings must be built by a licensed contractor.

• Home must be equipped with circuit breakers with minimum 150-amp service.

• Dwellings with stairways of three or more steps or porches or decks more than two feet off the ground or with three or more steps leading to them must be protected with properly installed handrails.

• Dwellings must be protected with smoke detectors and fire extinguishers in close proximity of kitchen, laundry, circuit breaker and sleeping areas.

• Dwellings located in a Special Flood Hazard Area (Zone A or V as designated by the Federal Flood Insurance Plan) must be covered by a federal or private flood insurance policy with matching or greater limits or the maximum allowed. FCIC urges all policyholders to purchase Flood Insurance,

• Dwellings must be located on established, paved roads and must be clearly visible from the road and to at least four neighboring dwellings.

• Risks located on more than one acre: o Must be accessible year round for fire service. o Must have a hydrant or credible water source within 1,000 feet of the dwelling, or responding

fire department must be able to transport at least 5,000 gallons of water. o Must have smoke detectors in close proximity of all cooking, laundry, circuit breakers and

sleeping areas. o Must have individual fire extinguishers for each cooking area and each room containing a

fireplace. o Must have an individual fire extinguisher for each additional floor if the home is more than one

story. o Must have a driveway at least 12 feet wide. o Must have inward opening gates and have an entrance at least two feet wider than the

driveway and be at least 30 feet from the road, (if property is gated). o Must have a key box of a type approved by local fire department if the gate is secured.

• FCIC reserves the right to inspect any risk and will be inspecting a large majority of their insured’s properties. If a discrepancy from information provided in the application is found during the inspection, policy information will be updated and/or corrected which may cause a change in premium. The agent and the insured will be notified of the change.


HO 00 03, HO 00 04 and HO 00 06 Edition 2019.05 9

• Inquiries may be made on applicants as to their individual claims histories utilizing third party information. Undisclosed prior losses may result in cancellation of the policy.

Ineligible Risks

• Properties in a state of disrepair, reflecting a lack of maintenance, or with any prior unrepaired damage, including any unrepaired hurricane or flood damage or unrepaired fire code or building code violations.

• Properties with more than two mortgages or lienholders (does not include post catastrophe loans for repair).

• Dwellings with wood shakes, asbestos siding, EIFS, or Dryvit.

• Vacant or unoccupied dwellings: o Vacant means dwelling lacks the necessary amenities, adequate furnishings or utilities and

services to permit occupancy of the dwelling as a residence. o Unoccupied means the dwelling is not being inhabited as a residence. o A qualified seasonal dwelling is not considered unoccupied.

• Dwellings owned by Limited Liability Companies (LLC), Partnerships, Estates or Associations.

• Homes with aluminum wiring; knob and tube; fuses; Zinsco, Zinsco-Sylvania, Stab-Lok, Challenger or Federal Pacific breaker boxes or an electrical system that does not meet current building code.

• Dwellings with PEX (older than 2006) or polybutylene plumbing.

• Dwellings built partially or entirely over water and properties accessible by boat only.

• Mobile Homes, Modular Homes, Pre-fabricated Homes, Trailer Homes, Kit Homes or Metal Buildings.

• Homes of historical significance, located in historic districts, obsolete, unconventional, do-it-yourself or irreplaceable construction or construction materials, including but not limited to log homes, domes, earth homes, etc.

• Risks located in Protection Class 10.

• Townhouses, rowhouses and duplexes are ineligible unless they meet the townhouse, rowhouse and duplex definition as described on page 19 of this manual.

• Dwellings with excessive or unusual liability exposure (examples include but are not limited to skateboard and bicycle ramps or other attractive nuisances).

• Dwellings located on a farm, ranch, orchard or grove; or where farming activities or ranching operations take place.

• Dwellings located in a recognized brush area or within 1,500 feet of a recognized brush area.

• Dwellings located on a slope of 30 degrees or greater.

• Risks with buried oil tanks or located on landfills, in areas condemned due to condition or in an area scheduled to be condemned for urban renewal or highway construction.

• Dwellings located on or adjacent to a commercial zone or where exposure from an adjacent property significantly increases the risk of loss.

• Homes with burglar bars.

• Risks used primarily for non-habitational purposes or dwellings originally designed or constructed for non-habitational purposes.

• Properties with a second dwelling or residence on the insured premises.

• Any incidental business occupancy other than an office with no client or employee traffic.

• Properties with home day care exposure.

Age of Home FCIC will not require the insured to provide a 4-point inspection prior to binding a policy. However, we will be conducting 4-point inspections on all homes greater than 25 years old. The inspection will be paid for by FCIC. Please refer to the Florida Older Home Guidelines for requirements on roofs, air conditioning and heating systems, electrical systems and plumbing.



A four-point inspection may be required on any dwelling that has not been updated. Dwellings Over 40 years of age with a reduction in premium will be written with a Limited Water Damage Coverage endorsement. Multiply the All Other Perils Premium by a factor of 0.75

Applicant

• An applicant must hold title to the property with a maximum of two mortgages (does not include post catastrophe repair loans).

• Prior insurance, claims history, condition of property, age of property and other risk factors will be evaluated for all applicants.

• Applicants who have ever been canceled or non-renewed for material misrepresentation, insurance fraud or convicted of arson are not eligible.

• Applicants that have previously been rejected, canceled or non-renewed by any company for underwriting reasons must be submitted to underwriting.

Coverage Eligibility Form HO 00 03 – a Homeowners Policy may be issued to provide insurance under:

• Coverage A Dwelling: o Used solely for residential purposes except for permitted incidental office occupancies. o Containing not more than two families and with not more than two boarders or roomers per

family.

• Coverage B Other Structures: o At the same location as the dwelling eligible for insurance under Coverage A. o Not used for business purposes except for permitted incidental office occupancies. o All fences.

• Additional Insureds at Described Location: o When coverage is provided in accordance with Coverage A and B above, the policy may be

endorsed to include the name of an additional insured. This endorsement provides the additional insured with written notification should we cancel or non-renew the policy. There is no charge for this endorsement.

Use Endorsement HO 04 41 10 00 Additional Insured Residence Premises

• Coverage C Personal Property of: o The owner-occupant of a dwelling.

• Coverage D Loss of Use of: o A building eligible for insurance under Coverage A.

Form HO 00 04 – a Tenant Policy may be issued to provide insurance under:

• Coverage C Personal Property of: o The non-owner of a dwelling or an apartment situated in any building.

• Coverage D Loss of Use of: o A building eligible for insurance under Coverage C.

Form HO 00 06 – a Unit-Owners Policy may be issued to provide insurance under:

• Coverage A Dwelling: o The alterations, appliances, fixtures and improvements which are part of the building contained

within the “residence premises”. o Items of real property which pertain exclusively to the “residence premises”. o Property which is your insurance responsibility under a corporation or association of property

owners agreement. o Structures owned solely by you, other than the “residence premises”, at the location of the

“residence premises”.

• Coverage C Personal Property of: o The owner-occupant of a condominium.

• Coverage D Loss of Use of: o A building eligible for insurance under Coverage A or C.



All Forms (HO 00 03, HO 00 04 and HO 00 06)

• Coverage E Personal Liability: o Covers payment on behalf of any insured of all sums which the insured shall become legally

obligated to pay as damages because of bodily injury or property damage arising out of an insured’s premises or personal activities.

• Coverage F Medical Payments: o Covers medical expenses incurred by persons, other than the insured, who sustain bodily injury

caused by an accident arising out of an insured’s premises or personal activities.

Elevators

• Risks with elevators are required to provide proof of annual inspection or service agreement contract.

• Documentation should be maintained in agent’s file for future audit.

Foundation

You can bind a policy for the following foundation types:

• Concrete Slab

• Open foundation with or without crawl space less than six feet – Must be completely enclosed

with a material, such as block, brick, siding, or lattice.

• Open foundation with or without crawl space six feet or greater – Must meet the following: o Homes built prior to 1995 are acceptable if the Coverage A is greater than $175,000. o Homes built 1995 or later are acceptable.

• Pilings with 8’-10’ elevations – Homes built 2006 and newer are acceptable. If older than 2006,

please submit to underwriting for approval.

All other types of foundation must be submitted to Underwriting for review.

Heating and Cooling Systems

• Heating and cooling system must be centrally installed.

• Homes utilizing any type of space heaters or portable heaters are not eligible.

• Dwellings with fireplaces or wood burning stoves as the primary source of heat are not eligible. Wood burning stoves must be factory installed.

• Heating must be electric, natural gas or fuel oil only.

• Evaporative cooling systems are not eligible.

Occupancy and Use

• Any dwelling that is occupied by more than four families is ineligible.

• Owner Occupied Seasonal / Secondary Residences must be occupied at least three (3) months but less than nine (9) months in a one-year period.

• Owner Occupied Seasonal / Secondary Residences are not eligible unless: o The dwelling is located in a Secured Community and overseen on a regular basis by either the

insured or a professional management firm; or a reputable neighbor, friend or relative living within 50 miles of the residence, or



o The dwelling is not located in a Secured Community, but is located in a subdivision and is overseen on a regular basis by either the insured or a professional management firm; or a reputable neighbor, friend, or relative living within 50 miles of the residence.

• Dwelling must be used for residential purposes only. Properties where a business is conducted or dwellings located on the property are used for any commercial purpose are not eligible.

• A non-occupant joint owner of the dwelling may be listed as an Additional Insured. Use Endorsement HO 04 41 10 00 Additional Insured – Residence Premises

Pools and Ponds

• Swimming pools and/or ponds must be protected by a self-latching fence at least four feet high.

• Dwellings with empty pools are not eligible.

Prior Insurance

• No lapse in coverage between FCIC coverage and prior insurance, unless the risk is a new purchase or underwriting has given prior approval.

• Agents should retain proof of prior insurance in their files for future underwriting audits.

Prior Loss History

• Prior weather related or catastrophe claims will not be used to non-renew or increase the premium on a policy.

• Risks with any previous fire or liability claim are not eligible.

• Risks with one claim of any other kind in the last three years, excluding catastrophe or weather related claims must be submitted to underwriting for approval.

• Risks with three or more claims reported in last three years are unacceptable.

• The above guidelines will not apply to deny applicant coverage if a claim was caused by an act of domestic violence by another person covered under the applicant’s prior policy if the applicant did not contribute to the loss and cooperates in providing any reasonable additional information which may be requested.

Roof Roof must be in good condition

• Composition shingle roofs must be less than 15 years old – mandatory on New Business.

• Maximum of one overlay of composition shingles (none allowed over wood shingles).

• Tile and metal roofs must be less than 30 years old.

• Metal roofs must have no signs of rusting or curling.

• All roofs must have at least five (5) years of useful life remaining.

• Dwellings with flat roofs, corrugated roofs, tin, rolled tar paper, built up tar and gravel and roofs with wood shingles or any roof with less than five (5) years of useful life are not eligible.

• Flat roofs are not eligible unless they are made of poured, reinforced concrete.



Seasonal / Secondary Residences A dwelling unoccupied by the owner for more than three (3) months during any one (1) year period and not rented to others is considered seasonal or secondary. A minimum All Other Perils deductible of $1,000 is required. Coverage E – Liability is limited to premises liability only. Water damage for Dwelling and Personal Property is excluded for Seasonal / Secondary residences unoccupied for more than 30 days unless the water supply is shut off. Seasonal / Secondary Residences are not eligible unless:

• The dwelling is located in a Secured Community and overseen on a regular basis by the insured or a professional management firm; or a reputable neighbor, friend or relative living within 50 miles of the residence. Name, address and phone number of professional management firm or individual overseeing the property must be maintained in agents’ file for future audit.

OR

• The dwelling is not located in a Secured Community but is overseen on a regular basis by the insured or a professional management firm; or a reputable neighbor, friend or relative living within 50 miles AND has a central reporting burglar-alarm system. Name, address and phone number of professional management firm or individual overseeing the property must be maintained in the agent’s office for future audit.

Dwellings unoccupied more than nine (9) months in any one year period are not eligible. Seasonal / Secondary residences with rental exposure are not permitted in any program.



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● BINDING ●

Agent Binding Authority Agents may bind coverage on risks meeting the following criteria without contacting the company:

• Risk must meet Eligibility / Underwriting Guidelines.

• Risks must be within the amount of insurance binding authority limits.

• The completed Internet Homeowners Application must be signed and dated by the insured and the agent.

• Bound risks must be submitted to the company within 72 hours. If not submitted within 72 hours of binding, the company reserves the right to take appropriate action, including non-acceptance of the risk.

• Completed and signed application must be maintained in the agent’s files and is subject to audit review by the company.

• New Business on the HO3 form is not eligible for this program.

Binding Restrictions Agent binding authority automatically terminates for new business and any coverage changes including decreases in deductible when a “Hurricane or Tropical Storm Warning” has been issued by the National Weather Bureau based on the following rules: Hurricane and Tropical Storm Binding Authority:

• Binding is restricted when a tropical storm or hurricane is located west of 72° West Longitude and north of 15° North Latitude and south of 35° North Latitude.

• Agents may not bind coverage for 72 hours after the warning has been lifted or upon notification from FCIC.

• FCIC reserves the right to further restrict binding authority as conditions warrant.

• Any exceptions to the Hurricane and Tropical Storm Binding Authority will be communicated by the company.

Binding information is available at: www.bankersinsurance.com Severe Weather Binding Authority Agent binding authority automatically terminates for new business and coverage changes including decreases in deductibles when a wind or hail storm, tornado, or other severe weather watch or warning has been posted. Authority to bind is reinstated after the storm and threat of damage has passed. Other Binding Authority Restriction FCIC reserves the right to immediately suspend underwriting and binding authority during periods of potential floods, mud slides, brush fires, wildfires and other natural disasters or state and national emergencies. Binding restrictions remain in effect until lifted by the company. Any exceptions to the Hurricane and Tropical Storm, Severe Weather, or Other Binding Authority will be communicated by the company.

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●GENERAL RULES●

Additional Insured Residence Premises Additional insured in the dwelling may be listed on the Additional Insured Endorsement for Coverage A – Dwelling and Coverage B – Other Structures at the Described Location. The company will notify in writing the party named in the endorsement if the policy is canceled or not renewed by us. Use Endorsement HO 04 41 10 00 Additional Insured – Residence Premises

Additional Interest Residence Premises Additional interest in the dwelling may be listed on the Additional Interest Endorsement. The company will notify in writing the party named in the endorsement if the policy is canceled or not renewed by us. Use Endorsement HO 04 10 10 00 Additional Interest – Residence Premises

Broker of Record Changes Broker of Record changes must be effective on a renewal effective date. Changes cannot be made midterm. If policy is being non-renewed, it must be re-quoted and meet current eligibility guidelines.

Building Code Effectiveness Grading The Building Code Effectiveness Grading Schedule (BCEGS) develops a grade of one (1) to ten (10) for a community based on the adequacy of its building code and the effectiveness of its enforcement of that code. Policies that include hurricane coverage may be eligible for special rating treatment, subject to the criteria in the following sections:

• Community Grading o The Building Code Effectiveness Grade applies to any building that has an original certificate

of occupancy dated the year of the effective date of the community grading, or later. A rating factor has been developed for each community grade.

o If a community is re-graded subsequent to its initial grading, the factor for the revised grade applies to buildings that have an original certificate of occupancy dated the year of the effective date of the revised grading, or later.

o Where certificates of occupancy are not issued, equivalent documentation acceptable to the company may be used.

o If, due to an addition or alteration, the original building is changed to comply with the latest building code, the factor for the community grading applicable at the time the reconstruction is completed will apply to such building.

• Individual Grading Where buildings have been built in full conformance with the natural hazard mitigation elements of one of the nationally recognized building codes, even though the community grade is greater than one, exception rating procedures may apply

o Any building may be classified as Grade One (1) for Windstorm/Hail upon certification by a registered or licensed design professional based on an on-site inspection that such building is in compliance with one of the three nationally recognized building codes with respect to mitigation of the windstorm or hail hazard. This classification is effective only from the date of the certification.

NOTE: There will be a surcharge for non-participating communities.



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Cancellation or Reductions in Limits of Liability or Coverages

● Mandatory coverages may not be canceled unless the entire policy is canceled. ● If insurance is canceled or reduced at the request of the insured or insurer, the additional or return

premium shall be computed on a pro-rata basis. ● The insured may cancel the policy at any time for any reason. We will refund any unearned premium. ● Flat cancellations after the effective date of the policy will require proof of other insurance and must be

made within 60 days of the effective date.

Change Endorsement Changes to the policy may be requested by providing the company with all pertinent coverage and rating information needed to complete the change. Additional premiums for policy changes occurring during the current policy term shall be computed pro-rata of the annual premium using the rates in effect at the time the policy was written or renewed.

Construction Definitions Brick, Stone or Masonry – Exterior walls constructed of masonry materials such as adobe, brick, concrete gypsum block, hollow concrete block, stone tile or similar materials and floors and roof of combustible construction. Brick, Stone or Masonry Veneer – Exterior walls of combustible construction veneered with brick or stone. Frame – Exterior wall of wood or other combustible construction, including wood-iron clad, stucco on wood, plaster on combustible supports, or aluminum or plastic siding over frame. Hardiplank or Hardiboard over Frame Construction – Exterior walls of frame construction with fiber cement siding, hardiplank or hardiboard. Superior Construction – Exterior walls, floors, and roof constructed of masonry or other non-combustible or fire resistive materials. NOTE: Mixed (Masonry/Frame) – A combination of both frame and masonry construction shall be classified and coded as frame when the exterior walls of frame construction (including gables) exceed 33 1/3% of the total exterior wall area; otherwise classify and code as masonry.

Mandatory Endorsements

• Special Provisions – Florida – this form must be placed on all policies. Use Endorsement BHO 09 119 Special Provisions – Florida

• Windstorm Exterior Paint and Waterproofing Exclusion – this form must be placed on all policies covering Broward, Dade, Martin and Palm Beach counties and east of the Intracoastal Waterway in Indian River and St. Lucie Counties. This form excludes damage from windstorm or hail to all paint or waterproofing material applied to the exterior of the building or structure. Use Endorsement HO 23 70 10 00 Windstorm Exterior Paint and Waterproofing Exclusion – Seacoast – Florida

• No Coverage for Home Day Care Business – this form is mandatory when Personal Liability is included in the policy. Use Endorsement HO 04 96 10 00 No Section II – Liability Coverage Excluded for Home Day Care Business Limited Section I – Property Coverages for Home Day Care Business



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• Limited Fungi, Wet or Dry Rot or Bacteria Coverage – this form must be placed on all policies and limits coverage to $10,000 per occurrence and $20,000 on an aggregate basis. Use Endorsement BHO 09 132 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage for use with All Forms

• Limited Fungi, Wet or Dry Rot, or Bacteria Coverage Section II – this form must be placed on all

policies and limits liability coverage to $50,000 per occurrence.

Use Endorsement HO 03 34 05 03 Limited Fungi, Wet or Dry Rot, or Bacteria Section II – Liability

Coverage for use with All Forms

• Existing Damage Exclusion – this form must be placed on all policies and excludes coverage for any damage which occurred before the inception of the policy. Use Endorsement BHO 09 131 Existing Damage Exclusion Endorsement

Manual Premium Revision A manual premium revision shall be made in accordance with the following procedures:

• The effective date of such revision shall be as announced.

• The revision shall apply to any policy or endorsement in the manner outlined in the announcement of the revision.

• Unless otherwise provided at the time of the announcement of the premium revision, the revision shall not affect in-force policy forms, endorsements or premiums, until the policy is renewed.

Multiple Company Insurance Other insurance is not permitted. We will not provide coverage for a dwelling that is also covered by another insurance policy.

Payment Plans The payment plan applies to the policy premium only. All policy fees are due at policy inception. The selected payment plan must be indicated on the application. All future renewals will be billed by the same plan unless otherwise instructed by insured or agent. Minimum Premium for Two-Pay, Three-Pay and Four-Pay Payment Plans is $400. Annual Payment: Policy is required to be paid in full either with application or annual billing statement. No service fees. Two-Pay Payment Plan: 50% down due at new business One payment of 50% due on the 180th day of the policy Three-Pay Payment Plan: 40% down due at new business Two payments of 30% due in two equal installments at 60 day intervals Four-Pay Payment Plan 25% due at new business Three payments of 25% due in three equal installments at 90 day intervals All installment payments are subject to a $3.00 payment fee. NOTE: We do not accept Premium Financing



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Policy Term All policies must be written for a period of one (1) year and may be extended based upon premiums, forms and endorsements applicable on the effective date of the policy term.

Protection Class Information Protection Class determinations are defined by the Public Protection Classification Manual and apply to all risks insured under the Homeowners Program. Use PC 10 for unclassified areas. The Protection Class indicated applies for risks or municipalities where a single class of fire protection is available. In an area where there are two or more classifications, the classification is determined as follows:

Distance to Fire Station Feet to Hydrant PC Class

Five (5) road miles or less Less than 1,000 feet First PC

Five (5) road miles or less More than 1,000 feet PC 9

Over five (5) road miles PC 10

NOTE: Hydrant distance does not apply when the responding fire department is equipped to transport or pump water from an alternative water supply within 1,000 feet of the dwelling. Upon request, the agent shall submit a certification of credible water supply from the responding fire department. Protected Subdivision Rule:

• A dwelling located in a qualifying restricted subdivision will receive the rating of the responding fire department if:

o The subdivision is under development with a recorded plat for 10 or more dwellings; and o Dwellings are built by licensed contractors subject to building restrictions as to type and square

footage.

• The dwelling is clearly visible to at least four other residences.

• The dwelling is located within seven road miles of a responding, recognized Public Protection Class 1-8 rated fire department.

• The dwelling is located on an improved, maintained and year-round passable road.

• The dwelling is not located in a severe brush fire area.

• The home is located within 1,000 feet of a credible year-round water source that can supply a minimum of 5,000 gallons of water.

o A year-round water source may be any of the following: ▪ An operating public fire hydrant, or ▪ A lake, pond, reservoir, or ▪ A tanker/pumper truck supplied by the responding fire department.

• Upon request, the agent shall submit a certification of credible water supply from the responding fire department.

Renewal Plan – Loss Free Discount If the company elects to offer a renewal, a policy may be renewed by the policyholder by paying the renewal premium prior to the expiration of the current policy. A renewal policy will be issued based on the premiums, forms and endorsements in effect at time of renewal. A new declaration page will be issued. A Renewal policies have been loss free in the prior policy year (Catastrophic and Weather Related Losses Excluded) will receive a 10% Loss Free Renewal Discount off the Non-Hurricane Premium. Multiply the NON-HURRICANE BASE PREMIUM by 0.90.



19

Single Building Definition

• All buildings or sections of buildings that communicate through unprotected openings shall be considered as a single building.

• Buildings that are separated by space shall be considered separate buildings.

• Buildings or sections of buildings which are separated by an 8-inch masonry party wall that pierces or rises to the underside of the roof and pierces or extends to the inner side of the exterior wall shall be considered separate buildings. Communication between buildings with independent walls or through masonry party walls described above shall be protected by at least a Class A Fire Door installed in a masonry wall section.

Supporting Documentation Supporting Documentation must be maintained in the Agent’s file unless noted otherwise. Failure to provide requested documentation for future audits may result in the removal of the credit or application of a surcharge and an invoice to the insured.

• Application – Completed application, signed by insured and agent.

• Multiple Policy Discount – Dec pages for companion policy.

• Protective Devices Discount – Certificate for reporting or central reporting burglar and/or fire alarms and sprinkler systems.

• Prior Insurance – Copy of prior declaration page(s) for prior 12 months.

• Seasonal / Secondary – Name, address and phone number of Professional Management firm or name, address and phone number of reliable friend or neighbor.

• Wind Mitigation Discounts – A Windstorm Mitigation Survey completed and signed by a licensed contractor or other acceptable documentation must be submitted within 15 days of the policy inception date.

Townhouse, Rowhouse and Duplex Definition Each unit must be separated by parapet walls or adequate masonry firewalls. Acceptable units must have a minimum of 1-hour occupancy suppression wall (firewall) which extends from the base floor to the roof sheathing. If there is an attic, the wall must extend through the attic to the roof sheathing. Firewalls must exist between each unit in the townhouse, rowhouse or duplex.

Transfer or Assignment No transfers or assignments are permitted. Each insured and/or property will require submission of a new application.

Waiver of Premium When a policy is first issued or endorsed after the inception date, additional or return premium of less than $5.00 is waived. However, if a policyholder requests the return, we will refund the unearned premium.

Whole Dollar Premium Rule Each premium shown on the policy and endorsements shall be rounded to the nearest whole dollar. A premium of 50 cents or more shall be rounded to the next higher whole dollar.



20

Wind Resistance The wind resistance of all structures and measures undertaken by the owner to protect the structure against hurricane loss will be considered.



21

●FEES●

Emergency Management Preparedness and Assistance Trust Fund Surcharge (EMPATF)

A fully earned Emergency Management Preparedness and Assistance Trust Fund Surcharge fee of $2 is charged on all policies subject to section 252.371 Florida Statute (F.S.).

Managing General Agency Fee A fully earned MGA fee of $25 is charged on all policy, subject to section 626.7451 (11) F.S.



22

●DEDUCTIBLES●

All Other Peril Deductible (All Perils Except Hurricane and Sinkhole Loss) All policies are subject to a deductible that applies to loss from all perils except hurricane and sinkhole loss. The policy is written at a $500 deductible. An insured may choose one of the following All Other Peril Deductible options:

AOP Deductible

Deductible Factor

HO 00 03 HO 00 04 HO 00 06

$500 1.00 1.00 1.00

$1,000 0.88 0.93 0.85

$2,500 0.80 0.83 0.80

$5,000 0.75 0.79 0.77

NOTE: If Coverage A is $250,000 or greater, the minimum All Other Peril Deductible must be $1,000

Calendar Year Hurricane Deductible All policies with wind coverage are subject to a calendar year hurricane deductible that applies to windstorm loss that occurs during a hurricane. The policy is written at a $500 Calendar Year Hurricane Deductible. An insured may choose one of the following Calendar Year Hurricane Deductible options:

Hurricane Deductible

HO 00 03 HO 00 04 and HO 00 06

Minimum Coverage A

Factor Minimum

Coverage C Factor

$500 75,000 1.00 20,000 1.00

2% of Cov. A 75,000 0.90 50,000 0.96

5% of Cov. A 100,000 0.82 100,000 0.87

10% of Cov. A 500,000 0.77 500,000 0.82

The deductible credit is not available when windstorm has been excluded from the policy. The deductible will apply to windstorm loss that occurs during a Named Storm Occurrence. NOTE: If Coverage A is $250,000 or greater, the minimum Calendar Year Hurricane Deductible must be 2%

Hurricane Occurrence:

• Begins at the time a hurricane watch or warning is issued for any part of Florida by the National Hurricane Center of the National Weather Service;

• Continues for the time period during which the hurricane watch or warning conditions exist anywhere in Florida; and

• Ends 72 hours following the termination of the last hurricane watch or warning issued for any part of Florida by the National Hurricane Center of the National Weather Service.

The Calendar Year Hurricane Deductible is calculated anew in each calendar year. If the policy period does not coincide with the calendar year, then a separate Calendar Year Hurricane Deductible will apply to loss that occurs during each calendar year in which the policy is in force. For example, if the policy period is from July 1 of calendar year one (1) to June 30 of calendar year two (2), a separate Calendar Year Hurricane Deductible applies to loss occurring from July 1 to December 31 of calendar year one (1) and to loss occurring from January 1 to June 30 of calendar year two (2).

• The Calendar Year Hurricane Deductible can be exhausted only once during each calendar year.



23

• The Calendar Year Hurricane Deductible applies to loss to covered property caused by one or more named storms during each calendar year.

Single Hurricane Occurrence During Calendar Year Application: In the event of the first windstorm loss to covered property caused by a single hurricane occurrence during a calendar year, the dollar amount of the Calendar Year Hurricane Deductible is deducted from the total of the loss for all coverages.

Multiple Hurricane Occurrences During Calendar Year: With respect to a windstorm loss caused by the second, and each subsequent, hurricane occurrence during the same calendar year, the company will pay only that part of any loss that exceeds the greater of:

• The remaining dollar amount of the Calendar Year Hurricane Deductible; or

• The deductible that applies to fire that is in effect at the time of the loss.

The remaining dollar amount of the Calendar Year Hurricane Deductible is determined by subtracting all previous windstorm losses caused by named storms during the calendar year from the Calendar Year Hurricane Deductible.

The Calendar Year Hurricane Deductible is NOT available midterm. Deductible options may only be changed at renewal. The Calendar Year Named Storm Deductible applies to the first loss in a calendar year. Any subsequent loss is the greater of the remaining amount of the Calendar Year Hurricane Deductible or the amount that applies to the other perils deductible. Use Endorsement: HO 03 51 01 06 Calendar Year Hurricane Deductible (Percentage) with Supplemental Reporting Requirement – Florida – All Forms Except HO 00 04; or HO 03 52 01 06 Calendar Year Hurricane Deductible (Fixed Dollar) with Supplemental Reporting Requirement – Florida All Forms Except HO 00 04; or BHO 09 004 Calendar Year Hurricane Deductible (Percentage) with Supplemental Reporting Requirement – Florida – Forms HO 00 04 and HO 00 06; or BHO 09 005 Calendar Year Hurricane Deductible (Fixed Dollar) with Supplemental Reporting Requirement – Florida – Forms HO 00 04 and HO 00 06

Sinkhole Deductible A mandatory 10% Sinkhole Deductible is applied if Sinkhole Coverage is selected. Apply a factor of 0.90 to the Sinkhole Coverage Premium.



24

●PREMIUM CALCULATION●

Base Premium Calculation Using the QUOTE SHEET on pages 25-26, apply the appropriate factors found on pages 33-36 to the Base Rate found on pages 27-32 based on Territory, Protection/Construction, Amount of Insurance and Building Code Effectiveness Grading to obtain the BASE PREMIUM for both NON-HURRICANE and HURRICANE.

Adjustments to Base Premium Using the QUOTE SHEET on pages 25-26, apply the appropriate factors found on pages 37-47 sequentially to the BASE PREMIUM to obtain the ADJUSTED BASE PREMIUM for both NON-HURRICANE and HURRICANE (Round to $).

Additional Coverages Using the QUOTE SHEET on pages 25-26, calculate the appropriate premiums found on pages 48-53 to determine the TOTAL ADDITIONAL COVERAGES.

Additive Coverages Section I and II Using the QUOTE SHEET on pages 25-26, calculate the appropriate premiums found on pages 54-61 to determine the TOTAL ADDITIVE COVERAGES for SECTION I AND II.

Policy Premium Before Fees Add the TOTAL ADDITIONAL COVERAGES and the TOTAL ADDITIVE COVERAGES for SECTION I AND II to the TOTAL ADJUSTED BASE PREMIUM to obtain the POLICY PREMIUM BEFORE FEES.

Fees Add all associated calculated and flat fees found on page 21 to obtain the TOTAL FEES.

Total Policy Premium Add TOTAL FEES to the POLICY PREMIUM BEFORE FEES to obtain the TOTAL POLICY PREMIUM.



25

Quote Sheet

Base Premium Calculation

Non-Hurricane Hurricane

Base Rate (pp. 27-32)

x Amount of Insurance (pp. 33-34)

x Building Code Effectiveness Grading Factor (p. 34)

x Hurricane Construction Factor (pp. 34-35)

x NHR Protection Class / Construction Factor (pp. 35-36)

= BASE PREMIUM (Round to $)

Adjustments to Base Premium

x Covered Porch / Lanai Surcharge (p. 37)

x Deductible Factor (pp. 22-23)

x Distance to Coast Factor (p. 37)

x Underwriting Tier (pp. 37-39)

x Limited Water Damage (p. 39)

x Multiple Policy Discount (p. 39)

x No Prior Insurance/Lapse in Coverage Surcharge (p. 39)

X Proof of Updates – All Systems (p. 40)

x Protective Device(s) Discount (p. 40)

x Renewal Plan – Loss Free Discount (pp. 18-19)

x Retiree Discount (p. 41)

x Seasonal / Secondary Residence Surcharge (p. 41)

x Second Story Discount HO 00 04 and HO 00 06 Only (p. 41)

x Secured Community / Building Discount (p. 41)

x Townhouse, Rowhouse or Duplex Factor (p. 42)

x Water Damage Exclusion (p.42)

x Water Detection Leak Discount (p. 42)

x Water Loss Prevention Discount (p. 43)

x Windstorm Loss Reduction Credit (pp. 43-48)

x Windstorm or Hail Exclusion Credit (pp. 49-50)

x Year of Construction / Age of Home (pp. 50-51)

= ADJUSTED BASE PREMIUM (Round to $)

Additional Coverages

+ BOSS and BOSS Plus Package Endorsement (p. 52-53)

- Coverage C Personal Property Exclusion (p. 53)

+ Increased/Decreased Ordinance or Law Coverage (p. 54)

+ Increased Replacement Cost on Dwelling HO 00 03 only (p. 54)

+ Limited Hurricane Coverage for Pool Cages, Screened enclosures or Carports (p. 55)

+ Personal Property Replacement Cost Coverage (p. 55)

+ Sinkhole Coverage (pp. 55-57)



26

+ Special Personal Property Coverage HO 00 03 only (p. 57)

+ Unit-Owners Renal to Others HO 00 06 only (p. 58)

= TOTAL BASE PREMIUM + ADDITIONAL COVERAGES (Round to $)

= TOTAL POLICY BASE PREMIUM (NON-HURRICANE + HURRICANE)

Additive Coverages Section I

+ Coverage A Dwelling Increased Limits and Special Coverage HO 00 06 Only (p. 59)

+ Coverage B Other Structures Increased Limits (p. 59)

- Coverage C Personal Property Decreased Limits (p. 59)

+ Coverage C Personal Property Increased Limits (p. 59)

+ Coverage C Personal Property Increased Limits Other Residences (p. 59)

+ Coverage C Personal Property Increased Special Limits of Liability (p. 60)

+ Coverage D Loss of Use Increased Limits (p. 60)

+ Fire Department Service Charge (p. 60)

+ Home Computer Coverage (p. 60)

+ Identity Fraud Expense Coverage (p. 61)

+ Limited Fungi, Wet or Dry Rot or Bacteria Coverage Increased Limits (p. 61)

+ Loss Assessment Coverage Increased Limits (p. 62)

+ Other Members of Your Household (p. 62)

+ Scheduled Personal Property (pp. 62-63)

+ Water Back Up and Sump Overflow HO 00 03 only (p. 63)

= TOTAL ADDITIVE COVERAGES SECTION I

Additive Coverages Section II

+ Coverage E and Coverage F Increased Limits (p. 64)

+ Golf Cart Liability (pp. 64-65)

+ Animal Liability Coverage - Limited (p. 65)

+ Personal Injury (pp. 65)

+ Equipment Breakdown (p. 66)

= TOTAL ADDITIVE COVERAGES SECTION II

Policy Premium Before Fees (Total Adjusted Base Premium + Total Additive Coverages Section I & II)

Fees

+ Emergency Management Preparedness and Assistance Trust Fund (Subject to F.S. 252.371) (p. 21) 2.00

+ MGA Fee (Subject to F.S. 626.7451) (p. 21) 25.00

TOTAL POLICY PREMIUM



27

●BASE PREMIUM CALCULATION●

Base Rates – Non-Hurricane

Non Hurricane Territory

Non-Hurricane Base Rate Sinkhole Base Rate

HO 00 03 HO 00 04 HO 00 06 HO 00 03 HO 00 06

100 533 134 261 3 2

115 322 165 245 3 2

125 851 83 229 6 2

139 432 71 223 4 2

145 398 83 206 3 2

153 404 83 235 3 2

165 382 83 241 3 2

179 422 92 258 4 2

186 335 84 269 4 2

190 527 83 251 4 2

200 420 86 198 18 2

210 371 79 217 244 4

220 338 79 218 244 4

230 450 79 179 4 1

240 503 77 180 4 1

255 488 80 168 4 1

260 511 80 179 5 1

275 539 81 234 4 2

280 545 81 263 4 2

290 467 83 256 4 2

300 430 72 262 3 2

310 497 70 236 3 2

320 403 78 246 15 2

330 369 94 205 8 2

340 409 71 229 3 2

350 596 79 233 3 2

360 728 83 260 5 2

370 564 90 288 4 2

380 610 103 34 4 2

390 1,657 148 467 9 3

400 1,887 148 411 9 3

410 1,981 157 432 11 3

420 1,513 140 382 7 3

430 1,312 127 377 7 3



28



HO 00 03 HO 00 04 HO 00 06 HO 00 03 HO 00 06

440 1,014 129 300 5 2

450 1,619 123 403 7 3

460 1,115 181 335 6 3

470 1,080 135 334 6 2

480 445 76 192 3 2

490 403 69 210 3 2

500 398 67 195 3 1

510 514 68 277 6 2

520 433 66 220 4 2

530 451 70 252 4 2

540 459 70 246 3 2

550 467 72 241 6 2

560 380 84 192 3 2

570 383 84 222 3 2

580 453 84 222 3 2

590 364 84 222 3 2

600 442 78 233 3 2

610 374 79 223 3 2

620 429 82 237 12 2

630 418 83 247 14 2

640 362 77 238 107 4

650 463 76 235 199 2

660 563 79 181 4 1

670 491 74 171 4 1

680 482 80 171 4 1

690 557 78 180 5 2

700 592 81 210 4 2

710 609 77 222 4 2

720 660 77 205 4 2

730 511 82 274 140 2

740 550 72 286 114 2

750 500 60 244 100 2

760 510 61 252 110 2

770 474 69 248 88 2

780 427 62 231 67 2

790 678 54 177 27 1

800 570 59 217 34 2

810 759 53 163 8 1



29



HO 00 03 HO 00 04 HO 00 06 HO 00 03 HO 00 06

820 624 52 175 20 1

830 784 71 175 19 1

840 634 60 221 69 2

850 482 58 199 134 2

860 540 58 186 3 1

870 439 56 179 45 1

880 569 58 244 13 2

890 572 58 207 4 2

900 585 58 209 4 2

910 542 60 176 11 1

920 550 66 197 4 2

Base Rates – Hurricane

Hurricane Territory

Base Rate Hurricane Territory

Base Rate

HO 00 03 HO 00 04 HO 00 06 HO 00 03 HO 00 04 HO 00 06

10A 1,598 77 269 51A 1,405 64 329

10B 1,596 83 260 51B 1,146 48 207

11A 1,512 121 364 52A 1,098 59 376

12A 1,469 102 563 52B 906 60 291

12B 1,469 103 606 52C 918 60 291

13A 2,091 76 270 53A 1,009 47 275

13B 2,152 77 188 54A 1,022 47 297

13C 1,336 61 334 55A 530 47 316

13D 1,011 60 293 55B 524 47 322

14A 993 77 142 55C 495 47 303

14B 2,233 73 279 55D 452 47 303

14C 1,047 55 361 55E 427 45 297

15A 2,019 77 282 56A 438 48 125

15B 1,507 57 377 57A 1,018 54 360

16A 1,524 77 154 57B 1,095 56 360

16B 1,902 78 261 58A 1,052 55 360

16C 1,212 58 356 58B 1,073 56 391360

16D 1,480 61 371 59A 1,093 55 360

17A 1,562 65 366 60A 1,279 64 354



30

Hurricane Territory


Base Rate

HO 00 03 HO 00 04 HO 00 06 HO 00 03 HO 00 04 HO 00 06

17B 1,191 63 364 60B 1,264 64 354

18A 1,847 76 219 61A 913 69 373

18B 1,822 76 254 62A 533 55 271

18C 848 56 110 62B 386 53 245

19A 330 51 98 63A 345 51 98

20A 487 55 113 63B 303 49 232

20B 342 51 103 64A 502 53 275

21A 653 55 176 64B 485 59 265

21B 487 54 261 64C 340 62 261

21C 548 54 163 65A 697 53 260

21D 719 55 254 65B 702 54 264

22A 645 55 170 65C 622 52 257

22B 662 55 254 65D 371 55 189

23A 1,131 66 438 66A 666 67 256

23B 1,078 55 274 66B 632 73 261

23C 700 68 232 67A 648 74 253

24A 935 71 179 67B 652 74 259

24B 1,431 65 283 68A 818 50 194

24C 810 60 302 69A 881 77 264

24D 840 67 231 69B 925 77 264

25A 1,440 55 411 69C 856 77 256

25B 974 54 192 69D 992 77 275

25C 1,017 52 212 70A 1,158 75 230

26A 1,025 64 215 70B 1,316 71 262

26B 1,546 81 233 70C 1,397 71 214

26C 1,900 82 451 71A 656 52 157

26D 950 58 255 71B 660 52 165

26E 888 73 279 72A 716 53 161

26F 1,151 54 204 72B 636 52 156

27A 1,488 57 221 73A 746 40 176

27B 2,217 76 450 73B 671 38 180

27C 1,649 76 346 73C 638 38 179

27D 1,845 75 420 74A 576 38 171

28A 1,320 53 352 74B 646 41 156

28B 1,335 53 352 74C 573 41 195

29A 1,301 54 345 75A 792 39 172



31

Hurricane Territory


Base Rate

HO 00 03 HO 00 04 HO 00 06 HO 00 03 HO 00 04 HO 00 06

29B 1,270 53 351 75B 803 39 178

30A 2,071 56 391 75C 642 42 174

30B 1,382 51 412 76A 553 41 158

30C 1,061 49 282 76B 572 41 171

31A 2,052 53 453 76C 572 41 169

31B 1,060 48 263 77A 1,106 45 178

31C 1,068 47 304 77B 1,112 83 271

32A 492 48 316 77C 988 61 259

32B 733 49 249 77D 1,066 53 248

33A 723 57 185 77E 1,407 72 241

33B 332 49 129 77F 1,041 53 213

33C 423 49 134 77G 995 60 254

33D 514 51 142 77H 938 61 266

33E 690 56 201 78A 1,040 61 178

34A 407 45 134 78B 967 59 255

34B 176 43 108 78C 974 60 247

35A 820 50 182 79A 364 35 95

35B 991 50 174 79B 377 35 81

36A 1,953 89 509 80A 719 52 164

36B 2,257 103 809 80B 546 32 101

36C 1,543 106 568 80C 499 32 100

37A 1,496 77 425 80D 515 31 87

37B 1,537 66 474 81A 346 30 108

37C 1,324 53 333 81B 433 30 96

37D 1,274 55 368 81C 373 30 97

38A 1,557 78 412 81D 423 30 107

38B 1,487 68 378 82A 405 27 72

39A 1,315 137 253 82B 318 27 78

39B 2,008 116 339 82C 362 29 61

39C 2,164 112 360 82D 402 27 74

39D 1,775 123 537 83A 372 35 72

39E 1,500 106 421 83B 387 35 73

39F 2,443 111 408 83C 348 35 73

39G 2,046 110 406 83D 398 34 95

39H 1,876 102 405 84A 248 35 81

39I 2,271 122 432 84B 321 35 81



32

Hurricane Territory


Base Rate

HO 00 03 HO 00 04 HO 00 06 HO 00 03 HO 00 04 HO 00 06

39J 2,197 100 390 84C 204 35 81

40A 1,960 99 439 84D 295 35 79

40B 1,862 99 428 84E 290 35 82

40C 1,905 100 360 84F 298 35 86

41A 2,332 100 424 85A 199 37 96

41B 2,000 104 408 85B 280 37 77

41C 1,555 105 478 85C 281 37 89

42A 1,686 101 372 85D 280 37 96

42B 1,420 106 322 85E 216 37 81

42C 1,477 107 373 86A 230 31 78

43A 1,140 103 361 86B 267 31 79

43B 1,225 110 386 86C 272 31 81

43C 1,847 112 381 86D 200 31 80

43D 1,717 110 387 87A 243 31 79

43E 1,527 99 409 87B 225 31 69

44A 1,877 141 405 87C 242 30 80

44B 1,976 134 380 87D 249 31 81

44C 1,719 137 532 87E 230 30 82

44D 1,968 126 526 88A 135 37 202

45A 1,522 107 284 88B 242 37 100

45B 1,679 109 385 88C 209 37 100

46A 1,847 114 517 88D 285 33 91

46B 1,777 110 510 88E 238 37 91

46C 1,609 108 415 89A 305 37 119

47A 1,604 111 499 89B 312 37 94

47B 1,638 110 496 89C 424 37 94

47C 1,267 111 356 89D 303 37 94

48A 235 35 89 90A 406 39 152

48B 189 35 73 90B 304 37 96

48C 217 35 75 90C 249 35 92

49A 212 34 72 91A 244 52 112

49B 198 32 72 91B 191 51 113

50A 447 33 108 92A 154 43 107

50B 462 40 114



33

HO 00 06

Coverage C

Non-

Hurricane

Hurricane

10,000 0.525 0.525

11,000 0.576 0.576

12,000 0.633 0.633

13,000 0.684 0.684

14,000 0.734 0.734

15,000 0.791 0.791

16,000 0.831 0.831

17,000 0.870 0.870

18,000 0.915 0.915

19,000 0.955 0.955

20,000 1.000 1.000

21,000 1.031 1.031

22,000 1.063 1.063

23,000 1.094 1.094

24,000 1.125 1.125

25,000 1.157 1.157

26,000 1.188 1.188

27,000 1.219 1.219

28,000 1.250 1.250

29,000 1.282 1.282

30,000 1.313 1.313

31,000 1.343 1.343

32,000 1.372 1.372

33,000 1.402 1.402

34,000 1.431 1.431

35,000 1.461 1.461

36,000 1.491 1.491

37,000 1.520 1.520

38,000 1.550 1.550

39,000 1.579 1.579

40,000 1.609 1.609

41,000 1.642 1.642

42,000 1.675 1.675

43,000 1.708 1.708

44,000 1.741 1.741

45,000 1.774 1.774

46,000 1.806 1.806

47,000 1.839 1.839

Amount of Insurance Factors

HO 00 03

Coverage A

Amount

Non-

Hurrican

e

Hurricane

30,000 0.627 0.656

35,000 0.643 0.672

40,000 0.659 0.688

45,000 0.675 0.704

50,000 0.691 0.720

55,000 0.707 0.736

60,000 0.723 0.752

65,000 0.739 0.768

70,000 0.775 0.784

75,000 0.771 0.800

80,000 0.822 0.853

85,000 0.874 0.906

90,000 0.923 0.954

95,000 0.969 0.994

100,000 1.014 1.033

105,000 1.064 1.083

110,000 1.103 1.107

115,000 1.153 1.157

120,000 1.191 1.180

125,000 1.240 1.227

130,000 1.277 1.250

135,000 1.326 1.297

140,000 1.363 1.323

145,000 1.412 1.370

150,000 1.450 1.416

155,000 1.498 1.463

160,000 1.537 1.510

165,000 1.585 1.557

170,000 1.625 1.606

175,000 1.673 1.654

180,000 1.715 1.705

185,000 1.763 1.753

190,000 1.801 1.802

195,000 1.848 1.850

200,000 1.880 1.895

205,000 1.927 1.943

210,000 1.958 1.988

215,000 2.004 2.036

HO 00 04

Coverage C

Non-

Hurricane

Hurricane

20,000 0.950 0.950

21,000 0.960 0.960

22,000 0.970 0.970

23,000 0.980 0.980

24,000 0.990 0.990

25,000 1.000 1.000

26,000 1.040 1.040

27,000 1.080 1.080

28,000 1.120 1.120

29,000 1.160 1.160

30,000 1.200 1.200

31,000 1.240 1.240

32,000 1.280 1.280

33,000 1.320 1.320

34,000 1.360 1.360

35,000 1.400 1.400

36,000 1.440 1.440

37,000 1.480 1.480

38,000 1.520 1.520

39,000 1.560 1.560

40,000 1.600 1.600

41,000 1.640 1.640

42,000 1.680 1.680

43,000 1.720 1.720

44,000 1.760 1.760

45,000 1.800 1.800

46,000 1.840 1.840

47,000 1.880 1.880

48,000 1.920 1.920

49,000 1.960 1.960

50,000 2.000 2.000

51,000 2.040 2.040

52,000 2.080 2.080

53,000 2.120 2.120

54,000 2.160 2.160

55,000 2.200 2.200

56,000 2.240 2.240

57,000 2.280 2.280



34

HO 0003

Coverage A

Non-

Hurricane

Hurricane

220,000 2.024 2.069

225,000 2.070 2.116

230,000 2.084 2.146

235,000 2.129 2.193

240,000 2.147 2.221

245,000 2.192 2.268

250,000 2.229 2.295

260,000 2.310 2.368

270,000 2.387 2.439

280,000 2.460 2.509

290,000 2.525 2.578

300,000 2.566 2.645

310,000 2.604 2.711

320,000 2.665 2.776

330,000 2.734 2.840

340,000 2.804 2.906

350,000 2.880 2.979

360,000 2.954 3.052

370,000 3.010 3.133

380,000 3.057 3.218

390,000 3.110 3.303

400,000 3.180 3.387

410,000 3.250 3.472

420,000 3.319 3.557

430,000 3.382 3.642

440,000 3.437 3.726

450,00 3.492 3.811

460,000 3.545 3.896

470,000 3.597 3.980

480,000 3.659 4.065

490,000 3.731 4.150

500,000 3.804 4.234

Each Additional 1,000

0.0076 0.0085

HO 00 04

Coverage C

Non- Hurricane

Hurricane Factor

58,000 2.320 2.320

59,000 2.360 2.360

60,000 2.400 2.400

Each Additional

1,000 0.040 0.040

HO 00 06

Coverage C

Non- Hurricane

Hurricane

48,000 1.872 1.872

49,000 1.905 1.905

50,000 1.938 1.938

51,000 1.971 1.971

52,000 2.004 2.004

53,000 2.036 2.036

54,000 2.069 2.069

55,000 2.102 2.102

56,000 2.135 2.135

57,000 2.168 2.168

58,000 2.200 2.200

59,000 2.233 2.233

60,000 2.266 2.266

Each Additional

1,000

0.030 0.030



35

Building Code Effectiveness Grading Factors – All Forms

Grade Hurricane Factor AOP Factor 1 0.88 0.97

2 0.91 0.97

3 0.92 0.97

4 0.94 0.98

5 0.95 0.98

6 0.97 0.98

7 0.98 0.99

8 0.98 0.99

9 0.99 0.99

10 1.00 1.00

98 (Non-participating) 1.01 1.01

99 (Ungraded) 1.00 1.00

Construction Factors – Hurricane – All Forms

Hurricane Construction Factors HO3

Construction Factor

Frame 1.25

Masonry 1.00

Superior 0.95


Construction Factor

Frame 1.25

Masonry 1.00

Superior 0.95


Construction Factor

Frame 1.25

Masonry 1.00

Superior 0.95

Protection Class / Construction Factors – Non-Hurricane

Non Hurricane Protection / Construction Factors HO 00 03

Protection Class Construction

Frame Hardiplank Masonry Superior

1 1.15 1.09 1.00 0.85

2 1.15 1.09 1.00 0.85



36

Non Hurricane Protection / Construction Factors HO 00 03


Frame Hardiplank Masonry Superior

3 1.15 1.09 1.00 0.85

4 1.15 1.09 1.00 0.85

5 1.15 1.09 1.00 0.85

6 1.15 1.09 1.00 0.85

7 1.60 1.52 1.10 0.94

8 1.75 1.66 1.10 0.94

9 2.35 2.23 1.25 1.06

10 3.00 2.85 1.45 1.23

Non-Hurricane Protection / Construction Factors HO 00 04


Frame Masonry Superior

1 1.10 1.00 0.81

2 1.10 1.00 0.81

3 1.10 1.00 0.81

4 1.10 1.00 0.81

5 1.10 1.00 0.81

6 1.10 1.00 0.81

7 1.35 1.00 0.81

8 1.45 1.10 0.89

9 1.90 1.50 1.21

10 3.00 1.80 1.45

Non-Hurricane Protection / Construction Factors HO 00 06


Frame Masonry Superior

1 1.10 1.00 0.81

2 1.10 1.00 0.81

3 1.10 1.00 0.81

4 1.10 1.00 0.81

5 1.10 1.00 0.81

6 1.10 1.00 0.81

7 1.35 1.00 0.81

8 1.45 1.10 0.89

9 1.90 1.50 1.21

10 3.00 1.80 1.45



37

●ADJUSTMENTS TO BASE PREMIUM●

Covered Porch / Lanai Surcharge – HO 00 03 Only

If the insured home has an attached covered porch or lanai; screened or unscreened; with supporting framing and roofing not constructed and covered by the same or substantially the same materials as that of the primary dwelling, the risk will be surcharged unless windstorm is excluded Multiply the HURRICANE BASE PREMIUM by a factor of 1.10

Deductible Factors – All Forms

See Deductibles Section on pages 22-23 for factors

Distance to Coast Factors – HO 00 03

The distance to coast factor is applied to the Hurricane Base Premium to reflect the distance of the risk from the coast.

Distance to Coast Factor

0 - 500 feet 1.45

501 – 1,000 feet 1.45

1,001 to 1,500 feet 1.45

1,501 – 2,000 feet 1.45

2,001 – 2,500 feet 1.45

2,501 feet to less than 1 mile 1.45

1 mile to less than 2 miles 1.40

2 miles to less than 3 miles 1.30




Over 10 miles 1.00

Multiply the HURRICANE BASE PREMIUM by the appropriate factor above.

Underwriting Tier – All Forms

Credit history is ordered and an Insurance Score is determined on the First Named Insured for all new and renewal business policies. Agent must obtain permission from the applicant prior to requesting the credit report. Tier rating is used to properly rate each risk. Consumer data gathered from the applicant and third party providers determines tier placement. Criteria used for tier placement include insurance score and prior claims. Claims caused by an “Act of God” are not counted towards the number of claims in tier criteria. Non catastrophe claims older than three years old will not be counted against the insured’s tier placement. Credit will be re-run every two years as if the policy were new. Based on the new insurance score, the policyholder will be placed in the tier for which they would have been eligible at the time of new business. Policyholders resulting in No Hit, No Score, or Permission to obtain credit not granted will be placed in the “Other” tier. For New Business it is mandatory that a credit history is ordered.



38

Insurance Score Range

Tier Placement by Prior Claims

0 1 2+

832-999 5 8 9

768-831 6 9 10

746-767 7 10 11

726-745 8 11 12

713-725 10 13 14

692-712 11 14 15

679-691 13 17 18

663-678 16 18 20

644-662 17 20 21

620-643 18 21 23

584-619 19 22 24

555-583 21 24 26

524-554 22 25 27

000-523 23 28 29

Other 12 15 16

Once the tier is determined, the following factors will be applied to the corresponding tier.

Tier Factor Tier Factor

5 .807 18 1.027

6 .817 19 1.080

7 .827 20 1.057

8 .843 21 1.117

9 .853 22 1.137

10 .863 23 1.320

11 .880 24 1.177

12 .930 25 1.200

13 .947 26 1.210

14 .923 27 1.230

15 .977 28 1.403

16 .987 29 1.440

17 1.000 30 1.450

Multiply the NON-HURRICANE BASE PREMIUM by the appropriate discount or surcharge listed above.



39

Credit Guidelines The credit of the First Named Insured will be reviewed in compliance with section 626.9741, F.S. and Florida Rule 69B.125.004.

• Credit history is ordered and an Insurance Score is determined on the First Named Insured only for all new business policies. Agents must obtain permission from the applicant prior to requesting the credit report.

• FCIC does not make adverse underwriting decisions due to credit when the Insurance Score cannot be generated for either a No Hit or lack of data.

• For insureds that have been adversely affected by their credit history, credit will be reviewed, with policyholder approval, once every two years, or at the request of the insured, whichever is sooner.

• The Insurance Score and prior claims history are used to determine the Underwriting Tier (pages 37-39). The credit history will be run at time of new business and every two years thereafter, or at the request of the insured, whichever is sooner.

Limited Water Damage – HO 00 03 & HO 00 06 Only

Dwellings older than 40 years of age are written with the Water Damage Exclusion. For an additional premium, the policy may be endorsed to provide coverage for sudden and accidental discharge or overflow of water or steam from within a plumbing, heating, A/C, automatic sprinkler system or from within a household appliance. The limit of liability for all covered property under this option is $10,000. Multiply Non-Hurricane Base Premium by 1.20 Use Endorsement BHO 09 663

Multiple Policy Discount – All Forms

A five percent (5%) discount will apply if the insured has another policy written with a company that is part of Bankers Insurance Group. The policy number must be listed on the application or forwarded to Underwriting. Only one Multiple Policy Discount may be applied. Multiply the NON-HURRICANE BASE PREMIUM by a factor of 0.95

No Prior Insurance/Lapse in Coverage Surcharge – All Forms

All applicants not providing proof of prior insurance will be subject to a 10% surcharge. This surcharge will also be applicable if there has been a lapse in coverage which exceeds thirty (30) days from the effective date of the FCIC renewal policy. The surcharge will remain in effect for one year from the policy effective date to which the surcharge applies. Any lapse or short term coverage during the compliance period will cause the mandatory surcharge period to begin anew. Proof of prior insurance shall be in the form of a copy of a declarations page or other acceptable documentation as determined by FCIC and shall be retained in the agent’s office for a future audit. Multiply the Non-Hurricane Base Premium X 1.10



40

Proof of Updates – All Systems – HO 00 03 and HO 00 06 Only

A 10% discount will be provided for homes 15 years and older if evidence of acceptable condition and proof of updates is received. A 4-point inspection with accompanying photos or other acceptable evidence must be submitted to the company. If evidence of updates is not submitted at binding, the discount will be removed until proof of updates has been submitted. Multiply the NON-HURRICANE Base Premium by 0.90.

Protective Device(s) Discount – All Forms

Approved and properly maintained installations of burglar alarms, fire alarms and automatic sprinklers in the dwelling may be recognized for a reduced premium developed by applying the appropriate factor(s). Combination of credits is permitted; however, no more than one credit from each of the three categories of Protective Devices is permitted. An installation certificate is required on Central Station Reporting Alarms and Sprinklers.

HO 00 03 HO 00 04 and HO 00 06

Type of Installation Credit Factor Credit Factor

Protective Devices – Burglar Alarm

Local Burglary Alarm 2% 0.98 2% 0.98

Police Department Reporting Alarm 9% 0.91 9% 0.91

Central Station Reporting Alarm 9% 0.91 9% 0.91

Protective Devices – Fire Alarm

Local Fire Alarm 2% 0.98 2% 0.98

Fire Station Reporting Alarm 9% 0.91 9% 0.91

Central Station Reporting Alarm 9% 0.91 9% 0.91

Other Protective Devices – Sprinklers

Complete Automatic Sprinkler System with sprinklers in all areas including bathrooms, attics and attached structures

15% 0.85 15% 0.85

Automatic Sprinklers in all areas except attic, bathroom, closet and attached structure areas that are protected by a fire detector

7% 0.93 7% 0.93

Multiply the NON-HURRICANE BASE PREMIUM by the product of all applicable factors. Use Endorsement HO 04 16 10 00 Premises Alarm or Fire Protection System



41

Retiree Discount – All Forms

A ten percent (10%) discount is available when the owner of the home is age 55 or older and retired. For the purpose of definition, “owner” included joint ownership by husband and wife in which case; either the husband or the wife must be age 55 or older and retired in order to be eligible for this discount. Multiply the NON-HURRICANE BASE PREMIUM by a factor of 0.90

Seasonal / Secondary Residence Surcharge – All Forms

A surcharge of five percent (5%) is applied to all seasonal or secondary residences. Multiply the NON-HURRICANE BASE PREMIUM by a factor of 1.05

Second Story Discount – HO 00 04 and HO 00 06 Only

If the insured’s apartment or condominium is located on the second story or higher, the policy qualifies for this discount. Multiply the NON-HURRICANE BASE PREMIUM by a factor of 0.95

Secured Community / Building Discount – All Forms

Only one of the following discounts may apply per policy:

HO 00 03

Criteria Discount Factor

Paved and lit streets, Fire Protection Class 1-6, three or fewer entrances to the community and Neighborhood Watch Program

3% 0.97

Paved and lit streets, Fire Protection Class 1-6 and either passkey gates or 24-hour security Patrol

10% 0.90

Paved and lit streets, Fire Protection Class 1-6 with either manned gates or passkey gates AND with 24-hour security patrol

13% 0.87

Paved and lit streets, Fire Protection Class 1-6 with 24-hour manned gates AND 24-hour security patrol

15% 0.85

HO 00 04 and HO 00 06

Criteria Discount Factor

Exterior doors of building or complex gates are locked and only accessible to unit owners or apartment dwellers with keys

3% 0.97

24-hour manned entrances or security patrol 5% 0.95

24-hour manned entrances AND security patrol 10% 0.90

Multiply the NON-HURRICANE BASE PREMIUM by factor(s) above.



42

Townhouse, Rowhouse or Duplex Factor

The premium for an eligible one (1) or two (2) family dwelling in a townhouse, rowhouse or duplex is determined using the factors from the table below. An eligible two (2) family owner-occupied dwelling attached to a one (1) family dwelling but not separated by a firewall would be considered three (3) individual family units within one (1) fire division. Four (4) two (2) family dwellings not separated by a firewall would be considered eight (8) individual family units within one (1) fire division.

Number of Individual Units Within One Fire

Division Number of Family Code Protection Class 1 – 8B Protection Class 9 or 10

1 or 2 (1 & 3) 1.00 1.00

3 or 4 (2) 1.10 1.15

5 - 8 (4) 1.20 1.25

9 or more (4) 1.20 1.25

Water Damage Exclusion – HO 00 03 & HO 00 06 Only

The peril of Water Damage may be excluded resulting in a lower premium. The Water Damage Exclusion applies to homes over 40 years old at the time of application. For a premium credit, the exclusion can be applied to homes 40 years of age or newer at the policyholder’s discretion. In addition to what is automatically excluded in the policy, this endorsement will exclude discharge or over flow of water or steam from within a plumbing, heating, A/C, automatic sprinkler system or from within a household appliance; as well as water penetrating through the roof or exterior walls or windows whether or not driven by wind unless water penetration is a direct result of damage caused by any covered peril other than water. When water damage is excluded, apply the following factors: Multiply Non-Hurricane Base Premium by .75 Refer to Endorsement BHO 09 662

Water Detection Leak Discount – HO 00 03 and HO 00 06 Only

Many smart home technology companies now offer various leak detection and automatic water shut off devices. We offer three levels of discounts as shown below.

Level 1 and 2 sensors need to be located in all bathrooms, the kitchen and utility rooms for washing machines and water heaters. Levels 2 and 3 require professional installation. Multiply the NON-HURRICANE base premium by the factor from the table above.

Discount Category

Description Discount

Factor

Level 1 Discount for a sensor-based water leak detection system that notifies customers via mobile device/internet connection when a leak is detected.

0.95

Level 2 Discount for a sensor-based water leak detection system that automatically shuts off the main water supply to the home when a leak is detected.

0.9

Level 3 Discount for water leak detection system that assesses the flow of water through the plumbing and automatically shuts off the main water supply to the home when a leak is detected.

0.85



43

Water Loss Prevention Discount – HO 00 03 and HO 00 06 Only

A 5% discount will be provided for dwellings that have had the plumbing certified to have been checked for soundness and to be free of any visible defects. All appliances connected thereto and the attachments between the plumbing system and the appliances must be checked for soundness and lack of defects. This certification requires a licensed plumber to complete the WATER LOSS PREVENTION DISCOUNT CERTIFICATION form. This discount applies automatically to all newly constructed homes completed in the me calendar year as the initial effective date of the policy. For new construction, the requirement for the Water Loss Prevention Discount Certification form is waived. This discount expires after three (3) consecutive policy terms unless a new Water Loss Prevention Discount Certification form certifying the soundness of the plumbing system is provided. Cannot be applied when Proof of Updates - All Systems discount is present on the policy. Multiply the NON-HURRICANE base premium by 0.95

Windstorm Loss Reduction Credit – All Forms

Eligibility When a policy covers the perils of Windstorm, a risk may be eligible for a premium credit if one (1) or more of the windstorm loss reduction features are properly constructed or installed and meet specific guidelines. Windstorm loss reduction construction and devices include:

• Roof Cover

• Roof Deck Attachment

• Roof-Wall Connection

• Opening Protection

• Roof Shape (Can be verified without submitting the verification form)

• Secondary Water Resistance

Windstorm loss reduction credits are available for new and existing construction. If the insured is a rental property and a windstorm mitigation credit is given for Opening Protection, with the protection being Storm Shutter, we require the insured to provide proof the arrangements have been made with another party to close and secure all Storm Shutters if the insured is unable to do so. Proof of Compliance Applicable wind mitigation credits shall apply if proof of compliance is provided by the insured.

New Business – When a mitigation credit feature is selected, a Uniform Mitigation Verification Form (OIR-B1-1802 Rev 2-10) with at least one (1) photo documenting the existence of each visible and accessible construction or mitigation attribute must be submitted to underwriting within 15 days of the policy effective date. The insured is responsible for the expenses associated with verifying the existence of the selected mitigation features. If acceptable documentation is not received within 15 days of the policy effective date, unsubstantiated credits will be removed and premium adjustments will be made. (Homes built to the 2001 Florida Building Code will receive the minimum Wind Premium Credit for New Construction without submitting the verification form).

Existing Business – Credits shall apply after the insured has submitted the Windstorm Mitigation Verification Form with at least one (1) photo documenting the existence of each visible and accessible construction or mitigation attribute. The form is available from the FCIC web site.



44

If we receive proof of windstorm loss reduction construction or devices during the policy period, and the devices were installed prior to the start of the current policy term and meet the required guidelines, we will apply the premium credit back to the beginning of the current policy term.

If we received proof of windstorm loss reduction construction or devices during the policy period, and the devices were installed during the current policy period and meet the required guidelines, we will pro-rate the applicable premium credit for the current policy period and apply the discount at the next renewal term.

FCIC reserves the right to verify all windstorm credit information and may request additional information from the insured or FCIC will independently verify the information. Premium Computation Select the appropriate windstorm loss reduction credit from one (1) of the tables listed below:

• Existing construction Non-FBC Equivalent Windstorm Credits Table, or

• Existing construction FBC Equivalent Windstorm Credits Table, or

• New Construction Windstorm Credits Table For calculation of the Hurricane Windstorm Loss Reduction Credit, multiply the HURRICANE BASE PREMIUM by (1 minus the windstorm credit factor). For calculation of the Non-Hurricane Windstorm Loss Reduction Credit, multiply the NON-HURRICANE BASE PREMIUM by (1 minus the {windstorm credit factor x 0.05}). Rating Factor Description

Rating Factor Category Description/Implementation

Terrain

Area B All locations that are not Terrain C (Urban, Suburban & Inland)

Area C Barrier Islands, and areas within 1,500 feet of the coast. All Dade and Broward counties.

Roof Shape

Other All roofs that are not of Hip design (Gable, Gable-hip, flat, mansard, and all others.

Hip Roofs with sloped ends and sides down to the eaves. All sides sloped to eaves.

Roof Covering

Non-FBC Composition shingles not meeting FBC requirements,

FBC Meets ASTM D 3161 (modified for 110 mph) or Miami-Dade County PA 107-95.

Secondary Water Resistance (SWR)

No No SWR

Yes

Self-adhering polymer modified bitumen roofing underlayment (known as Ice & Water Shield or Peel N Seal) tape or foamed structural adhesive installed over all roof deck joints to prevent water entry into the house after the roof covering itself fails. Tape meets minimum width of 6” and meeting ASTM D 1970 requirements.

Roof-to-Wall Connection

Toe-Nails Nails driven through rafter into top plate.

Clips

Metal pieces/strips connecting the sides of the rafter/truss and top plate or wall stud – located on one side of the connection. Strips do not wrap around rafter or top plate. Wrap is nailed with at least 3 nails in the truss and 3 nails in the wall.

Wraps Metal straps attached to the sides and/or bottoms of the top plates and nailed to the rafters/trusses. Wrap is nailed with at least 3 nails to truss and 3 nails to wall.

Double Wraps

Metal straps wrapped to both sides and have double and capacity of a single strap. Wraps are nailed with at least 3 nails in the truss and 3 in the wall.

Roof Deck Attachment

Level A Nailed with 6 penny (2”) nails spaced 6” on edge, 12” in the field & 24” in truss.



45

Level B Nailed with 8-penny (2.5”) nails, spaced 6” on edge, 12” on the field & 24” in truss.

Level C Nailed with 8-penny (2.5”) nails, 6” on edge, 6” in the field & 24” on truss.

Opening Protection

None Glazed glass or transparent plastic sheet used in windows & doors not meeting ASCE 7/88 & ASTM E 1996, Miami-Dade County pressure or impact resistance levels.

Basic All glazed openings that meet the requirements of ASTM E 1886 and ASTM E 1996 for small missile impact testing (4.5 pounds)

Hurricane

All glazed openings protected to meet the requirements of one of the current Miami-Dade Code standards, as follows:

• Standard Building Code SSTE-12 for large missle impact testing (9 pounds);

• ASTM debris impact standard E 1886 and test E 1996; or

• Miami Dade Hurricane Impact Protocols PA 201 (large missile impact test), 202 (structural pressure, air, water, and forced entry test) and 203 (test for cyclic pressure).

Dimensional or T&G Lumber Deck

Used prior to plywood, dimensional lumber, 4” to 8” wide boards that are usually 1” (actually 3/4" thick) and laid parallel to the ridge or diagonal to the ridge of the dwelling.

Masonry Walls Built from poured concrete, insulated concrete forms, or concrete block masonry units.

Rating Factor Category Description/Implementation

Reinforced Masonry Walls

Masonry exterior walls, reinforced with both vertical and horizontal steel reinforcements – used for structural stability.

Reinforced Concrete Roof Deck

Roof decking constructed of concrete and meeting ACI 318 provisions. Discounts range from no opening protection to full opening protection.

Opening Coverage – All Openings

Basic or Hurricane

Additional discount if all openings are protected and meeting Basic or Hurricane guidelines.

Unbraced Gable End

Gable roof dwellings not braced at the gable end do not receive a discount.

Foundation Restraint Unrestrained dwelling to foundation is surcharged by terrain.



46

Non-FBC Equivalent Windstorm Credits Table

WINDSTORM LOSS REDUCTION CREDITS

SECTION 627.0629(1), F.S.

WIND PREMIUM CREDITS FOR EXISTING CONSTRUCTION

TERRAIN B – 2% DEDUCTIBLE TERRAIN C – 2% DEDUCTIBLE

FRAME, MASONRY, OR REINFORCED MASONRY

ROOF SHAPE ROOF SHAPE

OTHER HIP OTHER HIP

ROOF COVER

ROOF DECK ATTACHMENT

ROOF-WALL CONNECTION

OPENING PROCTECTION

NO SWR

SWR

NO SWR

SWR

NO SWR

SWR

NO SWR

SWR

NON-FBC EQUIVALENT

A (6d @ 6" / 12")

TOE NAILS

None 0.00 0.06 0.47 0.50 0.00 0.07 0.28 0.32

Basic – Windows or All 0.35 0.42 0.62 0.65 0.29 0.38 0.56 0.62

Hurricane – Windows or All 0.44 0.51 0.66 0.70 0.39 0.48 0.64 0.72

CLIPS

None 0.35 0.42 0.62 0.66 0.18 0.26 0.44 0.51



SINGLE WRAPS

None 0.35 0.43 0.62 0.67 0.20 0.28 0.45 0.51



DOUBLE WRAPS

None 0.35 0.43 0.62 0.66 0.21 0.28 0.45 0.51



NON-FBC EQUIVALENT

B (8d @ 6" / 12")

TOE NAILS

None 0.09 0.14 0.49 0.52 0.09 0.14 0.29 0.33



CLIPS

None 0.58 0.65 0.68 0.73 0.38 0.44 0.57 0.65



SINGLE WRAPS

None 0.60 0.68 0.68 0.73 0.48 0.58 0.60 0.71



DOUBLE WRAPS

None 0.60 0.68 0.68 0.73 0.51 0.63 0.61 0.72



NON-FBC EQUIVALENT

C (8d @ 6" / 6")

AND

D

(8d @ 6" / 6") DIMENSIONAL

LUMBER DECK

TOE NAILS

None 0.09 0.14 0.49 0.51 0.09 0.14 0.29 0.33



CLIPS

None 0.59 0.65 0.68 0.73 0.39 0.45 0.57 0.65



SINGLE WRAPS

None 0.62 0.69 0.68 0.73 0.49 0.60 0.61 0.73



DOUBLE WRAPS

None 0.62 0.70 0.68 0.73 0.55 0.71 0.61 0.74



REINFORCED CONCRETE ROOF DECK

None 0.82 0.82 0.82 0.82 0.80 0.80 0.80 0.80





47

FBC Equivalent Windstorm Credits Table


SECTION 627.0629(1), F.S.

WIND PREMIUM CREDITS FOR EXISTING CONSTRUCTION

TERRAIN B – 2% DEDUCTIBLE TERRAIN C – 2% DEDUCTIBLE


ROOF SHAPE ROOF SHAPE

OTHER HIP OTHER HIP

ROOF

COVER

ROOF DECK

ATTACHMENT

ROOF-WALL

CONNECTION

OPENING

PROCTECTION

NO

SWR

SWR

NO

SWR

SWR

NO

SWR

SWR

NO

SWR

SWR

FBC EQUIVALENT

A (6d @ 6" / 12")

TOE NAILS

None 0.11 0.14 0.55 0.56 0.07 0.10 0.33 0.36



CLIPS

None 0.49 0.50 0.72 0.73 0.28 0.30 0.53 0.54



SINGLE WRAPS

None 0.49 0.50 0.72 0.73 0.30 0.32 0.53 0.55



DOUBLE WRAPS

None 0.49 0.51 0.72 0.73 0.30 0.33 0.53 0.55



FBC EQUIVALENT

B (8d @ 6" / 12")

TOE NAILS

None 0.18 0.20 0.57 0.57 0.15 0.18 0.35 0.37



CLIPS

None 0.70 0.71 0.78 0.79 0.46 0.48 0.66 0.68



SINGLE WRAPS

None 0.73 0.74 0.78 0.79 0.58 0.61 0.71 0.74



DOUBLE WRAPS

None 0.73 0.75 0.78 0.79 0.63 0.67 0.72 0.76



FBC EQUIVALENT

C (8d @ 6" / 6")

AND

D

(8d @ 6" / 6")

DIMENSIONAL LUMBER

DECK

TOE NAILS

None 0.18 0.20 0.57 0.57 0.15 0.18 0.35 0.37



CLIPS

None 0.70 0.72 0.78 0.79 0.46 0.48 0.66 0.69



SINGLE WRAPS

None 0.74 0.76 0.78 0.79 0.60 0.63 0.72 0.76



DOUBLE WRAPS

None 0.74 0.76 0.78 0.79 0.68 0.74 0.73 0.78




None 0.82 0.82 0.82 0.82 0.80 0.80 0.80 0.80





48

New Construction Windstorm Credits Table


SECTION 627.0629(1), F.S.

WIND PREMIUM CREDITS FOR NEW CONSTRUCTION


FBC 2001 CONSTRUCTION OTHER ROOF SHAPE HIP ROOF SHAPE

ROOF DECK

TERRAIN EXPOSURE

FBC WIND

SPEED (MPH)

WIND SPEED

OF DESIGN (MPH)

INTERNAL PRESSURE

DESIGN WBDR

NO OPENING PROTECTION

OPENING PROCTECTION WINDOWS OR

ALL

NO OPENING PROTECTION

OPENING PROCTECTION WINDOWS OR

ALL

NO SWR

SWR

NO SWR

SWR

NO SWR

SWR

NO SWR

SWR

OTHER ROOF DECK OR

DIMENSIONAL LUMBER DECK

B 100 ≥110 ENCLOSED NO 0.68 0.69 0.74 0.74 0.78 0.79 0.81 0.81

B 110 ≥110 ENCLOSED NO 0.72 0.73 0.78 0.78 0.78 0.79 0.82 0.83

B ≥120 ≥120 ENCLOSED NO 0.74 0.75 0.79 0.79 0.78 0.78 0.82 0.82

B OR C ≥120 ≥120 ENCLOSED/PART.

ENCL YES 0.77 0.80 0.82 0.84 0.81 0.83 0.85 0.86

HVHZ ENCLOSED YES 0.82 0.84 0.85 0.86


B ANY ENCLOSED NO 0.81 0.81 0.85 0.85 0.81 0.81 0.85 0.85

B ANY ENCLOSED/PART.

ENCL YES 0.82 0.82 0.85 0.85 0.82 0.82 0.85 0.85

C ANY ENCLOSED/PART.

ENCL YES 0.81 0.81 0.89 0.89 0.81 0.81 0.89 0.89

HVHZ ENCLOSED YES 0.89 0.89 0.89 0.89 0.89 0.89 0.89 0.89

FBC = FLORIDA BUILDING CODE

HVHZ = HIGH VELOCITY HURRICANE ZONE (Miami-Dade and Broward counties. FBC sections 202 AND 1611ff)

WBDR = WIND BORNED DEBRIS REGION

SWR = SECONDARY WATER RESISTANCE

REINFORCED CONCRETE ROOF DECK includes SWR; Integral with Reinforced Masonry Walls

PART. ENCL = PARTIALLY ENCLOSED



49

Windstorm or Hail Exclusion Wind, Hail, Tornado, Hurricane and Tropical Storm coverage MUST be excluded if the property is eligible for such coverage from Citizens Property Insurance Corporation. The perils of Windstorm or Hail, including Hurricane and Tropical Storm, may be excluded from the policy as an OPTION if the property is NOT eligible for a wind-only policy from Citizens Property Insurance Corporation. The insured must provide a handwritten statement required by Florida Statute, signed and dated by ALL named insureds and ALL additional insureds. The original copy of the signed statement must be received by the Company prior to binding. If the structure(s) insured on the policy are subject to a mortgage or lien, the policyholder must provide the Company with a written statement from ALL of the mortgage holders or lienholders indicating that all of the mortgage holders or lienholders approve the policyholder electing to exclude windstorm coverage or hurricane coverage for his or her property insurance policy. The original copy of the statements must be received by the Company prior to binding. This endorsement is not available midterm. If the policy includes Wind, Hail, Tornado, Hurricane and Tropical Storm Exclusion and the policy is not eligible for a wind-only policy from Citizens Property Insurance Corporation and an additional Named Insured or an Additional Insured is subsequently added to the policy, a new handwritten statement required by Florida Statute must be submitted, signed and dated by all Named Insureds and all Additional Insureds. This endorsement is not available midterm. Do not apply any charge for Hurricane Premium and multiply NON-HURRICANE BASE PREMIUM by the appropriate factor listed below:

Policy Form Factor

HO 00 03 0.93

HO 00 04 0.93

HO 00 06 0.93

HO 00 08 0.90

Use Endorsement BHOD 09 130 Wind, Hail, Tornado, Hurricane and Tropical Storm Exclusion, and Use Endorsement BHOD 09 130A Rejection of Windstorm Coverage



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Year of Construction / Age of Home Factors

The Non-Hurricane Premium is adjusted to account for the age of the home. The age of a home is calculated from the year that the building was first occupied as a residence after it was built.

Non-Hurricane Age of Home Factors

Age of Home

HO 00 03 HO 00 04 HO 00 06

Age of Home

HO 00 03 HO 00 04

HO 00 06

0 0.400 0.92 0.685 26 1.227 1.06 1.365

1 0.440 0.93 0.710 27 1.236 1.07 1.370

2 0.480 0.94 0.745 28 1.245 1.07 1.370

3 0.520 0.95 0.755 29 1.254 1.07 1.370

4 0.560 0.96 0.770 30 1.263 1.08 1.375

5 0.600 0.97 0.780 31 1.272 1.08 1.290

6 0.640 0.98 0.810 32 1.281 1.09 1.295

7 0.680 0.99 0.845 33 1.290 1.09 1.295

8 0.720 1.00 0.850 34 1.299 1.09 1.295

9 0.760 1.00 0.870 35 1.308 1.09 1.295

10 0.800 1.01 0.960 36 1.309 1.10 1.300

11 0.840 1.01 1.005 37 1.309 1.10 1.300

12 0.880 1.01 1.005 38 1.309 1.10 1.300

13 0.920 1.02 1.010 39 1.309 1.10 1.300

14 0.960 1.02 1.035 40 1.309 1.15 1.300

15 1.000 1.03 1.065 41 1.278 1.15 1.175

16 1.025 1.03 1.090 42 1.278 1.15 1.175

17 1.050 1.03 1.090 43 1.278 1.15 1.175

18 1.075 1.04 1.185 44 1.278 1.15 1.175

19 1.100 1.04 1.185 45 1.278 1.15 1.175

20 1.125 1.04 1.220 46 1.278 1.15 1.175

21 1.150 1.05 1.225 47 1.278 1.15 1.175

22 1.175 1.05 1.315 48 1.278 1.15 1.175

23 1.200 1.05 1.315 49 1.278 1.15 1.175

24 1.209 1.06 1.320 50 1.278 1.20 1.200

25 1.218 1.06 1.365 51+ 1.278 1.20 1.200

Multiply the NON-HURRICANE BASE PREMIUM by the appropriate factor in the table above.



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Hurricane Year of Construction Factors


HO 00 03 Factors

HO 00 04 and HO 00 06 Factors


HO 00 03 Factors

HO 00 04 and HO 00 06 Factors

2010 and newer 1.00 1.00 1980 0.93 1.10 2009 1.00 1.00 1979 0.93 1.10 2008 1.00 1.00 1978 0.93 1.10 2007 1.00 1.00 1977 0.93 1.10 2006 1.00 1.00 1976 0.93 1.10 2005 1.00 1.00 1975 0.93 1.20 2004 1.00 1.00 1974 0.93 1.20 2003 1.00 1.00 1973 0.93 1.20 2002 1.00 1.00 1972 0.93 1.20 2001 0.63 1.00 1971 0.86 1.20

2000 0.63 1.00 1970 0.86 1.20 1999 0.63 1.00 1969 0.86 1.20 1998 0.63 1.00 1968 0.86 1.20 1997 0.63 1.00 1967 0.86 1.20 1996 0.63 1.00 1966 0.86 1.20 1995 0.66 1.05 1965 0.86 1.20 1994 0.80 1.05 1964 0.86 1.20 1993 0.90 1.05 1963 0.86 1.20 1992 1.00 1.05 1962 0.86 1.20 1991 1.00 1.05 1961 0.86 1.20 1990 1.00 1.05 1960 0.86 1.20 1989 1.00 1.05 1958 0.86 1.20 1988 1.00 1.05 1958 0.86 1.20 1987 1.00 1.05 1957 0.86 1.20 1986 0.96 1.05 1956 0.86 1.20 1985 0.96 1.05 1955 0.86 1.20 1984 0.96 1.05 1954 0.86 1.20 1983 0.96 1.05 1953 0.86 1.20 1982 0.96 1.05 1952 0.86 1.20 1981 0.93 1.05 1951 and older 0.80 1.20

Multiply the HURRICANE BASE PREMIUM by the appropriate factor in the table above.



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●ADDITIONAL COVERAGES●

BOSS and Boss Plus Endorsement Packages – HO 00 03 Only

The BOSS (Bundled Options, Safe and Secure) and BOSS Plus endorsements provide a package of coverages of additional protection, including higher limits on selected coverages. Coverages included in these packages cannot be altered or duplicated. The surcharge for these packages are based on the Coverage and is applied to both the HURRICANE and NON_HURRICANE base premium. Homes over 40 years of age must have an approved 4-point inspection. The packages consist of:

Increased Special Limits of Liability Basic HO3 Policy BOSS BOSS Plus

Money $200 $1,000 $1,000

Securities $1,500 $5,000 $5,000

Jewelry & Furs (theft loss) $1,500 $5,000 $5,000

Firearms (theft loss) $2,500 $5,000 $5,000

Silverware (theft loss) $2,500 $5,000 $5,000

Increased/Additional Coverage Limits

Animal Liability Not Included Not Included $50,000

Business Property off Premises Included $1,000 $1,000

Business Property on Premises $1,000 $10,000 $10,000

Coverage B – Other Structures 2% 5% 10%

Coverage C – Personal Property 50% 70% 70%

Coverage D – Loss of Use 20% 20% 20%

Coverage E – Personal Liability $100,000 $300,000 $300,000

Coverage F – Medical Payments to Others $1,000 $5,000 $5,000

Credit Card $500 $5,000 $10,000

Damage to Property of Others $1,000 $1,000 $1,000

Equipment Breakdown Not Included $100,000 $100,000

Fire Department Service Charge $500 $1,000 $1,000

Home Computer Coverage $3,000 $5,000 $10,000

Identity Fraud Expense Coverage Not Included $15,000 $15,000

Limited Carport(s), Pool Cages(s) and Screen Enclosure(s)

Not Included $10,000 $20,000

Lock Replacement Not Included $500 $500

Loss of Use Due to Power Shortage Included Included Included

Ordinance or Law 10% 25% 25%

Personal Injury Coverage Not Included $300,000 $300,000

Personal Property Replacement Cost Not Included Included Included

Refrigerated Property Not Included $500 $500

Special Personal Property Not Included Included Included

Trailers $1,500 $5,000 $5,000

Water Backup and Sump Overflow Not Included $5,000 $5,000

Watercraft $1,500 $2,500 $5,000

Watercraft Liability 25 HP 50 HP 50 HP



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Multiply the NON-HURRICANE AND HURRICANE ADJUSTED BASE PREMIUM by the following factor to develop the additional premium.

HO 00 03

Coverage A BOSS Factor BOSS Plus Factor 70,000 – 299,999 0.28 0.38

300,000 - 399,999 0.27 0.36

400,000 - 499,999 0.26 0.34

500,000 - 599,999 0.26 0.34

600,000 - 699,999 0.25 0.32

700,000 - 799,999 0.24 0.31

800,000 - 899,999 0.24 0.29

900,000 - 999,999 0.24 0.29

1,000,000 and up 0.23 0.27

Note: packages are not available when Coverage C – Personal Property limit is less than 25% of Coverage A – Dwelling. Refer to Endorsement: BHO 09 665 and BHO 09 666

Coverage C – Personal Property Exclusion – HO 00 03 Only

The policy includes Coverage C – Personal Property at 50% of Coverage A for HO 00 03. However, coverage for Personal Property may be excluded from the policy. The insured must provide the handwritten statement required by section 627.712, F.S. signed and dated by all Named Insureds. The original copy of the signed statement must be received by FCIC prior to binding. This endorsement is available only at new business and renewal; mid-term changes are NOT permitted.

If the policy includes the Coverage C – Personal Property Exclusion Endorsement and an additional Named Insured is subsequently added to the policy, a new handwritten statement required by section 627.712, F.S. must be submitted, signed and dated by all insureds. NOTE: If the exclusion is selected the policy is not eligible for the following coverage options or discounts:

• Personal Property Replacement Cost Coverage

• Special Personal Property Coverage

• Personal Property Increased Limit

• Personal Property Scheduled

• Home Computer Coverage

• Identity Fraud Expense Coverage

• Protective Devices – Burglar Alarm Discount Multiply the NON-HURRICANE AND HURRICANE ADJUSTED BASE PREMIUM by 0.04 to develop the premium credit. Use Endorsement BHO 09 129 Personal Property Deletion Endorsement and BHO 09 129A Deletion of Coverage C – Personal Property



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Increased/Decreased Ordinance or Law Coverage – HO 00 03 and HO 00 06

Provides coverage for additional expenses incurred from ordinances or laws which regulate construction, repair or demolition of property, provided loss is from a covered peril and if actual damage and ordinance or law expenses exceed the limit of liability. The policy provides Ordinance or Law Coverage at ten percent (10%) of Coverage A. You may increase the total Ordinance or Law Coverage limit to either 25% or 50% for additional premium as shown below. You may also choose to reject all Ordinance or Law Coverage for a discount in premium. If the insured chooses to reject Ordinance or Law Coverage completely, or the Increased Ordinance or Law Coverage limits of 25% or 50% a signed rejection form must be obtained and retained in your files HO 00 03

Total Limit of Liability Factor

Exclusion of Coverage 0.95

10% Included

25% 1.10

50% 1.15

HO 00 06

Total Limit of Liability Factor

10% Included

25% 1.10

50% 1.13

Multiply the NON-HURRICANE and the HURRICANE BASE PREMIUM by the appropriate factor from the tables above. For increased coverage limits: Use Endorsement HO 04 77 10 00 Ordinance or Law Increased Amount of Coverage To exclude coverage: Use Endorsement BHO 09 623 Ordinance or Law Exclusion

Increased Replacement Cost on Dwelling – HO 00 03 Only

Dwelling which are insured to 100% replacement value may be endorsed to provide an additional amount of insurance for Coverage A – Dwelling only when loss to the dwelling exceeds the limit of liability shown on the Declarations Page. This endorsement is intended to cover additional costs of construction that are incurred due to increases in the cost of construction that occur during the policy period. Increased construction cost is normally the result of increased demand relative to supply of labor and materials that can occur subsequent to a catastrophic loss that impacts a substantial number of properties in a region. Additional coverage provided by this endorsement is 20% of Coverage A – Dwelling. The additional amount cannot be applied to any other coverage and it does not increase the limit of liability for Coverage A – Dwelling.

Additional Amount Factor

20% 0.05

Multiply the NON-HURRICANE BASE PREMIUM the HURRICANE BASE PREMIUM by the appropriate factor above. NOTE: This endorsement does not cover increased construction costs attributable to ordinances or laws governing construction, renovation or building demolition. Use Endorsement BHO 09 135 Specified Additional Amount of Insurance for Coverage A – Dwelling – Florida – Form HO 00 03



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Limited Hurricane Coverage For Pool Cages, Screened Enclosures or Carports – HO 00 03 and HO 00 06

Provides coverage for loss caused by hurricane to aluminum framing for screened enclosures, pool cages and carports permanently attached to the dwelling, this endorsement does not provide coverage for screen material or associated with removing or replacing screens. This endorsement does not increase the limit of liability for Coverage A. The maximum limit of liability for this coverage is $50,000. Multiply the HURRICANE BASE RATE by the COVERAGE FACTOR by 2.5 (Damageability Factor) by the HURRICANE DEDUCTIBLE FACTOR.

Coverage Limit Coverage Factor

$10,000 0.075

$15,000 0.113

$20,000 0.150

$25,000 0.188

$30,000 0.226

$35,000 0.263

$40,000 0.301

$45,000 0.338

$50,000 0.376

Use Endorsement BHOD 09 341 Limited Hurricane Coverage for Pool Cage(s), Screened Enclosure(s) or Carport(s)

Personal Property Replacement Cost Coverage – All Forms

The policy provides loss settlement on an actual cash value basis for certain types of property. For an additional premium, the policy may be endorsed to extend the limit of liability for Coverage C – Personal Property to include Replacement Cost Loss Settlement HO 00 03 Multiply the NON-HURRICANE BASE PREMIUM by and the HURRICANE BASE PREMIUM by 0.10. HO 00 04 and HO 00 06 Multiply the NON-HURRICANE BASE PREMIUM by and the HURRICANE BASE PREMIUM by 0.35. Use Endorsement HO 04 90 10 00 Personal Property Replacement Cost Loss Settlement

Sinkhole Coverage and Catastrophic Ground Cover Collapse – HO3 and HO6 Catastrophic Ground Coverage Collapse Florida law requires coverage in all Homeowners Policies for Catastrophic Ground Cover Collapse, which is provided under Endorsement BHO 09.119 Special Provisions - Florida. Catastrophic Ground Cover Collapse provides coverage for direct physical loss or damage to Covered Property caused by or resulting from catastrophic ground cover collapse, meaning geological activity that result in all of the following:

• The abrupt collapse of the ground cover;

• A depression in the ground cover clearly visible to the naked eye;

• Structural damage to the building, including the foundation; and



56

• The insured structure being condemned and ordered to be vacated by the governmental agency authorized by law to issue such an order for that structure.

Catastrophic Ground Cover Collapse Coverage is automatically included in all FCIC Homeowners policies. Catastrophic Ground Cover Collapse Coverage does not cover sinkhole losses that do not meet the criteria of catastrophic ground cover collapse. Optional coverage for Sinkhole Loss is addressed in the next section. Sinkhole Loss Coverage Florida law requires the insurer to make available coverage for Sinkhole Loss. Sinkhole Loss coverage is optional and is a broader coverage than Catastrophic Ground Cover Collapse Coverage. Sinkhole Loss means loss of or damage to Covered Property when structural damage to a building, including the foundation, is caused by settlement or systematic weakening of the earth supporting the building, only when such settlement or systematic weakening results from movement or raveling of soils, sediments, or rock materials into subterranean voids created by the effect of water on a limestone or similar rock formation. Sinkhole Loss Coverage is provided under Endorsement BHO 09 176 Sinkhole Loss Coverage – Florida – for Form HO 00 03; or BHO 09 191 Sinkhole Loss Coverage – Florida – for Form HO 00 06 10% Deductible on Sinkhole Loss Coverage is mandatory. See Deductible Section of manual (pp. 22-23). Eligibility – New Business (All Counties) Any new application or endorsement request that includes Sinkhole Loss coverage may not be bound and must be submitted for approval if:

• The insured location, including the residence premises other structures, and grounds to be insured by FCIC, has ever experienced a partial Sinkhole Loss or Catastrophic Ground Cover Collapse Loss.

• In the event of such a loss, the applicant/insured must provide the following documentation for appropriate underwriting review to determine if Sinkhole Loss Coverage may be bound:

o The professional engineer’s investigative finding report, and o Scope of completed repairs; and o Proof that the recommended repairs were made, or o Proof that alternate repairs were made.

• If the property HAS BEEN repaired in accordance with the engineering recommendations upon which any payment or policy proceeds were based, First Community Insurance Company may at its own expense retain the services of a professional engineer to certify that:

o The insured location has been repaired; o The insured location has been stabilized; and o There is no evidence of any sinkhole activity or structural damage to the building, including the

foundation, at the insured location.

• If the property has experienced a sinkhole loss and full repairs HAVE NOT been completed in accordance with the professional engineer's investigative findings report and/or certification from the professional engineer HAS NOT been issued to attest that the property to be insured has been repaired, has been stabilized, and there is no evidence of further sinkhole activity, the risk would be DECLINED for sinkhole loss coverage.

• If the property has experienced a sinkhole loss that has resulted in payment of full policy limits, the risk would be DECLINED for sinkhole loss coverage.

• New business risks proximate to sinkhole activity, as determined by a third party vendor’s mapping software that indicates any sinkhole activity within one mile, may be bound only with Catastrophic Ground Cover Collapse. If the policyholder elects the option for Sinkhole Loss Coverage, an approved structural inspection of the property to be insured must be completed prior to adding the coverage. The inspection will document existing damage, evaluate the structural integrity of the property to be insured



57

and verify that there has been no past or current sinkhole activity at the property to be insured that has not been disclosed.

• An “Approved” inspection service is one that has been designated by us as competent to perform the evaluation and whose report format meets our informational requirements. The insured will contract directly with the “Approved” inspection service and pay an arranged fee. Both parties will receive a copy of the inspection. The fee will not be refundable no matter how the underwriting decision is reached.

• An inspection from an inspection service that has not been designated by us as “Approved” may be submitted by the insured for consideration in meeting this requirement. Such an inspection must have been completed by a professional engineer, professional geologist or other individual or entity recognized by us as possessing the necessary qualifications to properly complete the inspection, and must meet all requirements outlined above with regard to timing, content and format.

Pasco and Hernando – Renewal Business

• First Community Insurance Company will be exercising its option under section 627.706, F.S. to non-renew the policies of current insureds maintaining sinkhole loss coverage in Pasco and Hernando counties. First Community Insurance Company will be issuing renewal offers to these insureds that include catastrophic ground cover collapse but EXCLUDE sinkhole loss coverage.

• When requesting to add Sinkhole Loss Coverage to those policies non-renewed in Pasco and Hernando counties, the insured must comply with the new business requirements listed under rule Eligibility –New Business (All Counties), shown above.

• Subsequent changes to add or remove Sinkhole Loss Coverage in these counties can only be done on the policy’s renewal date.

All Remaining Counties – Renewal Business

• All renewal policies that CURRENTLY maintain sinkhole loss coverage in all remaining counties will renew WITH sinkhole loss coverage unless rejected by the insured.

• When requesting to add Sinkhole Loss Coverage to the policy at renewal, the insured must comply with the new business requirements listed under rule Eligibility – New Business (All Counties), shown above.

• Subsequent changes to add or remove Sinkhole Loss Coverage, in these counties, can only be done on the policy’s renewal date.

Sinkhole Coverage premium is calculated by multiplying the Sinkhole Base Rate X Amount of Insurance Factor X Sinkhole Deductible Factor

Special Personal Property Coverage – HO 00 03 Only

Coverages A and B under Form HO 00 03 are insured against additional risks of physical loss subject to certain exclusions. Coverage C is insured against perils named in the form. The policy may be endorsed to insure Coverage C against additional risks of physical loss subject to certain exclusions Multiply the NON-HURRICANE and the HURRICANE BASE PREMIUMS by a factor of 0.15 Use Endorsement BHO 99 003 Special Personal Property Coverage



58

Unit Owners Rental To Others – HO 00 06 Only

There is no coverage for theft under Coverage “C” – Personal Property or Section II Liability when the residence premises is regularly rented or held for rental to others. If the property is rented, then the policy must be endorsed to provide such coverage. The Condominium unit must be located in a limited access complex or building with local management or supervision. Theft coverage is limited by the endorsement while the unit is rented to others.

Additional Premium:

• Long-Term Rental for Units rented on a monthly or annual basis;

Additional Premium = Non-Hurricane Base Premium X (.025)

• Short-Term Rental for Units rented between one week and one month;

Additional Premium = Non-Hurricane Base Premium X (.025) + $50

Use Endorsement HO 17 33 05 11 – Unit-Owners Rental to Others



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●ADDITIVE COVERAGES SECTION I●

Coverage A – Dwelling Increased Limits and Special Coverage – HO 00 06 Only

The policy includes $1,000 of Coverage A – Dwelling Coverage. Minimum Coverage A is $25,000 and may be increased up to $600,000. The premium is developed per $1,000 of additional coverage at the following rates:

Coverage A Limit Standard Coverage Special Coverage

First $1,000 Included $2.00

Each Additional $1,000 $3.00 $4.00

Section I Perils Insured Against may be broadened for Coverage A to cover additional risks of loss. Use the rates shown above for Special Coverage. Use Endorsement HO 17 32 10 00 Unit-Owners Coverage A Special Coverage

Coverage B – Other Structures Increased Limits – HO 00 03 Only

The policy includes Coverage B – Other Structures at 2% of Coverage A. The Insured may select increased limits on a specific structure on the residence premises. The rates per $1,000 of insurance shall be applied separately to each additional specific structure over the 2% coverage included. The premium is $2.00 per $1,000 of insurance. Maximum limit cannot exceed 20% of Coverage A. Use Endorsement HO 04 48 10 00 Other Structures On The Residence Premises – Increased Limits

Coverage C – Personal Property Decreased Limits – HO 00 03 Only

The policy includes Coverage C – Personal Property at 50% of Coverage A for HO 00 03. Coverage C limits can be decreased in $1,000 increments to a minimum of 30% of Coverage A for a premium credit of $1.00 per $1,000 of insurance.

Coverage C – Personal Property Increased Limits – HO 00 03 Only

The policy includes Coverage C – Personal Property at 50% of Coverage A for HO 00 03. Coverage C limits can be increased in $1,000 increments to a maximum of 70% of Coverage A. To calculate the additional premium, multiply the increased limit of Coverage C by the Rate per $1,000 below.

Policy Type Rate per $1,000

HO 00 03 without Special Personal Property Coverage $2.00

HO 00 03 with Special Personal Property Coverage $3.00

Coverage C –Personal Property Increased Limits – Other Residences – All Forms

Coverage for personal property at other residences is limited in the policy form to 10% of Coverage C or $1,000, whichever is greater. This limit may be increased. The additional premium is $8.00 per $1,000 of additional coverage Use Endorsement HO 04 50 10 00 Personal Property At Other Residences – Increased Limits



60

Coverage C – Personal Property Increased Special Limits of Liability – All Forms

The Special Limits of Liability in the policy may be increased for the following increments, rates, and maximum limits:

Unscheduled Property Subject To Special Limits

Special Limit (Basic)

Incremental Increase

Rate Per Increment

Maximum Limit

Money $200 $100 $6.00 $1,000

Securities $1,500 $100 $4.00 $2,000

Jewelry, Watches, Furs1 $1,500 $1,000 $18.00 $5,500

Firearms $2,500 $100 $3.00 $6,000

Silverware, Goldware, Pewterware $2,500 $500 $3.25 $10,000

1 Limit of not more than $1,000 per individual item Use Endorsement BHO 99 290 Coverage C Increased Special Limits of Liability; or Use Endorsement BHO 99 160 Coverage C Increased Special Limits of Liability for HO 00 03 with BHO 99 003 Special Personal Property Coverage

Coverage D – Loss of Use Increased Limits – All Forms

HO 00 03 The policy provides Coverage D – Loss of Use at 20% of Coverage A HO 00 04 The policy provides Coverage D – Loss of Use at 20% of Coverage C HO 00 06 The policy provided Coverage D – Loss of Use at 40% of Coverage C The limit of liability for Coverage D can be increased for $4.00 per $1,000 of additional coverage up to 70%

Fire Department Service Charge – All Forms

The limit of $500 provided under the base policy may be increased for an additional premium of $3.00 per $100 of additional coverage.

Home Computer Coverage – All Forms Except HO 00 03 with HO 00 15

The policy may be endorsed to insure desktop computers and related equipment against additional risks of physical loss subject to certain exclusions. Business use of the computer is permitted. Available coverages and premium are:

Coverage Limit Premium

$5,000 $15,00

$10,000 $25.00

$15,000 $40.00

$20,000 $60.00

NOTE: This coverage excludes all notebook and laptop computer systems Use Endorsement BHO 99 303 Home Computer Endorsement



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Identity Fraud Expense Coverage – All Forms

Coverage is available for expenses due to loss caused by identity fraud. Expenses covered by this endorsement include:

• Notarizing cost for affidavits.

• Certified mail costs.

• Lost income up to $200 per day / $5,000 maximum.

• Loan application fees for re-applying for loans.

• Reasonable attorney fees.

• Long distance phone calls. The limit of liability for this coverage is $15,000 and has a separate deductible of $250. The premium is $25.00 for this endorsement. Use Endorsement HO 04 55 03 03 Identity Fraud Expense Coverage

Limited Fungi, Wet or Dry Rot or Bacteria Coverage Increased Limits – All Forms

Basic coverage for fungi, wet or dry rot, or bacteria coverage is automatically provided through endorsement BHO 09 119 Special Provisions – Florida and is limited as follows: Section I Property Coverages – Fungi, Wet, or Dry Rot or Bacteria

Provides up to $10,000 for loss or costs that occur during the policy period, to pay for covered real or personal property, owned by an insured, that is damaged by fungi, wet or dry rot, or bacteria on the “residence premises” as defined in the policy. Section II Personal Liability – Fungi, Wet or Dry Rot, or Bacteria

Provides up to $50,000 to pay for damages because of bodily injury or property damage involving the inhalation of, ingestion of, contact with, exposure to, existence of, or presence of any fungi, wet or dry rot or bacteria. Section I limits can be increased as follows:

Coverage Premium

$25,000 per covered loss $50,000 policy aggregate

$60.00

$50,000 per covered loss $50,000 policy aggregate

$90.00

Use Endorsement BHO 09 132 Limited Fungi, Wet or Dry Rot or Bacteria Coverage for use with All Forms Use Endorsement HO 03 34 05 03 Limited Fungi, Wet or Dry Rot or Bacteria Section II – Liability Coverage for use with All Forms



62

Loss Assessment Coverage Increased Limits – HO 00 03 and HO 00 06

The policy form HO 00 03 automatically provides, at no additional charge, $1,000 of loss assessment coverage. Section 627.714, F.S. mandates that all Condominium Policies (policy form HO 00 06) be issued with $2,000 of Loss Assessment Coverage. This limit is automatically provided at no additional charge. These limits may be increased for an additional premium as developed below:

New Coverage Limit HO 00 03 HO 00 06

Without HO 17 32 With HO 17 32

$5,000 $4.00 $3.00 $4.00

$10,000* $7.00 $5.00 $7.00

Each Additional $5,000 (up to $50,000)*

$2.00 $1.00 $2.00

*Coverage above $5,000 will require prior underwriting approval Use Endorsement HO 04 35 10 00 Loss Assessment Coverage for HO 00 03 Use Endorsement HO 04 47 04 11 Unit Owners Increased Loss Assessment Coverage for HO 00 06 NOTE: These endorsements do not cover loss to property under Section I caused by Earthquake.

Other Members of Your Household – All Forms

Section I – Property Coverages under Coverage C and Section II – Liability described in the policy form may be extended to a person who resides with the insured and is a non-related co-habitant. Additional Premium is $25.00 Use Endorsement HO 04 58 10 00 Others Members of Your Household

Scheduled Personal Property – All Forms

Additional Coverage may be added to the Homeowners policy for specifically scheduled items of personal property subject to the following requirements:

• Each item must be individually described including manufacturer, model, serial # (if applicable) and value.

• Covers property of an individual or spouse who reside together, or members of the Insured’s family who reside in the same household.

• Owner occupied dwellings only; no seasonal/secondary homes.

• An appraisal or bill of sale no older than three years must be submitted to underwriting before a request to add a scheduled item on new business or an endorsement request for each single item worth $5,000 or more.

• Any single item exceeding $10,000 or total schedule exceeding $20,000 must be submitted along with dated photos and appraisals to the company, unbound, for prior approval.

• Central burglar alarm must be installed for schedules over $20,000.

• Jewelry items valued over $5,000 must be kept in a vault or safe when not worn.

• Minimum values of $500 per item, pair (jewelry), or set (silverware).

• Golf carts may not be scheduled as Golf Equipment.

• Each item must be scheduled for 100% of its current value.



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Item Rate per $100

Antiques $0.90

Bicycles $9.35

Cameras & Projection Equipment Non-Professional $1.52

Coins $1.80

Fine Arts No Breakage $0.50

Breakage $1.00

Golf Equipment $1.40

Guns Collectible $0.80

Fired $1.60

Item Rate per $100

Jewelry $2.00

Miscellaneous Personal Property $1.00

Musical Instruments Non-Professional $0.60

Other Sports Equipment $2.00

Silverware, Goldware, Platinumware $0.45

Stamps $0.80

Appraisals or bills of sale not older than five years must accompany single items worth $2,000 or more and total schedules over $5,000

Use Endorsement BHO 09 333 Scheduled Personal Property

Water Back Up and Sump Overflow – HO 00 03 Only

The policy may be endorsed to provide coverage for loss resulting from water which backs up through sewers or drains or which overflows from the sump. The limit of liability under this option is $5,000. This coverage has a special deductible of $1,000. This endorsement is not available on policies with the “Water Damage Exclusion” or “Limited Water Damage Endorsement”. Additional Premium is $25.00 Use Endorsement BHO 09 128 10 18 Water Back Up and Sump Discharge or Overflow



64

●ADDITIVE COVERAGES SECTION II●

Coverage E – Personal Liability and Coverage F – Medical Payments to Others – All Forms

The policy includes Coverage E (Personal Liability) limit of liability of $100,000 and Coverage F (Medical Payments to Others) limit of liability of $1,000. These limits may be increased at the rates shown below:

Coverage E Limit

Coverage F Limit

Rate

$100,000

$1,000 $0.00

$2,000 $3.00

$3,000 $6.00

$4,000 $8.00

$5,000 $11.00

$200,000

$1,000 $8.00

$2,000 $11.00

$3,000 $14.00

$4,000 $16.00

$5,000 $19.00

$300,000

$1,000 $12.00

$2,000 $15.00

$3,000 $18.00

$4,000 $20.00

$5,000 $23.00

$500,000 $5,000 $35.00

The same limits must apply to all exposures. Unless otherwise stated, Coverage E limits apply on an “occurrence” basis and Coverage F limits, on an “each person” basis.

Golf Cart Liability – All Forms

The policy may be endorsed to include Coverage E and Coverage F exposure arising from the use of a golf cart. The coverage does not apply to any golf cart while it is used to carry persons for a charge; used for business; rented to others; while being operated in races; or being operated outside the boundaries of a recognized retirement community or limited access community unless such use is for golfing purposes.

Coverage E Limit

Coverage F Limit

Rate Coverage E

Limit Coverage F

Limit Rate

$100,000

$1,000 $25.00 $300,000 $1,000 $33.00

$2,000 $26.00 $2,000 $34.00

$3,000 $27.00 $3,000 $35.00

$4,000 $28.00 $4,000 $36.00

$5,000 $29.00 $5,000 $37.00

$200,000

$1,000 $29.00 $500,000 $5,000 $37.00

$2,000 $30.00

$3,000 $31.00

$4,000 $32.00

$5,000 $33.00

Use BHO 99 311 Golf Cart Liability Endorsement



65

Animal Liability – All Forms

The policy does not include Section II Coverage for any bodily injury or property damage caused by or originating from any dog, exotic, farm or saddle animal owned or kept by the insured. The Dog Limited Liability endorsement may be added to the policy to Extend Section II coverage to losses arising from dogs owned or kept subject to the limits, exclusions and conditions listed in the policy. This coverage does not cover losses caused by or originating from the following list of prohibited dogs:

• Akitas

• Chow Chows

• Doberman Pinschers

• Great Danes

• German Shepherds

• Alaskan Malamutes

• Pit Bulls (American Pit Bull Terrier, Pit Bull Terrier)

• Staffordshire Terriers, (American Staffordshire Terrier)

• American Bulldogs

• Rottweilers

• Presa Canario

• Cane Corso

• Beaucerons

• Belgian Malinois

• Caucasian Mountain Dogs

• Keeshonds

• Mastiffs

• Rhodesian Ridgebacks

• Wolves or Wolf Hyrids

• Coyotes

• Wild dogs

• Guard or Attack dogs, including police or military dogs

• Any breed historically bred for fighting

• Any dog with a prior history of biting or attacking persons, property or other animals as established through insurance claims records, or through the records of local public safety, law enforcement or other similar regulatory agency.

• Any dog that has not had inoculations as required by law.

Premium for the selected Liability Limit is as follows:

Personal Liability Limit – Coverage E

$25,000 $50,000 $100,000 $200,000 $300,000

Medical Payments to Others – Coverage F

$1,000 $5,000 $5,000 $5,000 $5,000

Premium Amount $25 $50 $65 $80 $89

The limits of liability shown above replace the limits of liability shown on the declarations page for any and all covered losses resulting from dogs

Use Endorsement BHO 99 AL 10 18 Animal Liability Coverage - Limited

Personal Injury

Liability coverage for personal injury to others, such as false arrest, libel or invasion of privacy, may be added to the Homeowners Policy for an additional premium.

Limit of Liability Premium

100,000 13.00

200,000 15.00

Limit of Liability Premium

300,000 17.00

500,000 19.00

Use Endorsement BHO 09 PNJ 04 19 Personal Injury



66

Equipment Breakdown

The Equipment Breakdown Enhancement Endorsement provides the inclusion of equipment breakdown as a covered peril under Form BHO 99 500. This endorsement is not available to any other policy forms and can be added to the policy at the request of the policyholder.

The limit of coverage is $100,000 per occurrence. This limit is separate from and does not reduce any other coverage contained within the Section I Property Coverage. This endorsement has a separate deductible of $500. The premium for this endorsement is $50 annually.

Use Endorsement BHO 99 500



67

●TERRITORIES●

Zip City County Non-Hurricane

Territory Hurricane Territory

32003 FLEMING ISLAND CLAY 860 86B

32006 FLEMING ISLAND CLAY 860 86B

32007 BOSTWICK PUTNAM 860 86C

32008 BRANFORD SUWANNEE 880 88B

32009 BRYCEVILLE NASSAU 920 92A

32011 CALLAHAN NASSAU 920 92A

32013 DAY LAFAYETTE 900 90C

32024 LAKE CITY COLUMBIA 880 88C

32025 LAKE CITY COLUMBIA 880 88D

32026 RAIFORD UNION 880 88D

32030 DOCTORS INLET CLAY 860 86D

32033 ELKTON SAINT JOHNS 560 56A

32034 FERNANDINA BEACH NASSAU 340 34A

32038 FORT WHITE COLUMBIA 880 88B

32040 GLEN SAINT MARY BAKER 880 88E

32043 GREEN COVE SPRINGS CLAY 860 86C

32044 HAMPTON BRADFORD 880 88D

32046 HILLIARD NASSAU 920 92A

32050 MIDDLEBURG CLAY 860 86D

32052 JASPER HAMILTON 880 88E

32053 JENNINGS HAMILTON 880 88E

32054 LAKE BUTLER UNION 880 88D

32055 LAKE CITY COLUMBIA 880 88E

32056 LAKE CITY COLUMBIA 880 88E

32058 LAWTEY BRADFORD 880 88E

32059 LEE MADISON 880 88C

32060 LIVE OAK SUWANNEE 880 88C

32061 LULU COLUMBIA 880 88D

32062 MC ALPIN SUWANNEE 880 88B

32063 MACCLENNY BAKER 880 88E

32064 LIVE OAK SUWANNEE 880 88C

32065 ORANGE PARK CLAY 860 86D

32066 MAYO LAFAYETTE 900 90C

32067 ORANGE PARK CLAY 860 86C

32068 MIDDLEBURG CLAY 860 86D

32071 O BRIEN SUWANNEE 880 88B

32072 OLUSTEE BAKER 880 88E

32073 ORANGE PARK CLAY 860 86C

32079 PENNEY FARMS CLAY 860 86C

32080 SAINT AUGUSTINE SAINT JOHNS 330 33A



68



32081 PONTE VEDRA SAINT JOHNS 330 33D

32082 PONTE VEDRA BEACH SAINT JOHNS 330 33E

32083 RAIFORD UNION 880 88E

32084 SAINT AUGUSTINE SAINT JOHNS 330 33E

32086 SAINT AUGUSTINE SAINT JOHNS 330 33C

32087 SANDERSON BAKER 880 88E

32091 STARKE BRADFORD 880 88E

32092 SAINT AUGUSTINE SAINT JOHNS 560 56A

32094 WELLBORN SUWANNEE 880 88C

32095 SAINT AUGUSTINE SAINT JOHNS 330 33D

32096 WHITE SPRINGS HAMILTON 880 88E

32097 YULEE NASSAU 340 34B

32102 ASTOR LAKE 840 84F

32110 BUNNELL FLAGLER 560 56A

32111 CANDLER MARION 850 85D

32112 CRESCENT CITY PUTNAM 860 86A

32113 CITRA MARION 850 85B

32114 DAYTONA BEACH VOLUSIA 550 55B




32124 DAYTONA BEACH VOLUSIA 550 55D

32127 PORT ORANGE VOLUSIA 550 55A

32128 PORT ORANGE VOLUSIA 550 55D

32129 PORT ORANGE VOLUSIA 550 55B

32130 DE LEON SPRINGS VOLUSIA 550 55E

32131 EAST PALATKA PUTNAM 860 86A

32132 EDGEWATER VOLUSIA 550 55A

32133 EASTLAKE WEIR MARION 850 85D

32134 FORT MC COY MARION 850 85E

32135 PALM COAST FLAGLER 330 33A

32136 FLAGLER BEACH FLAGLER 330 33A

32137 PALM COAST FLAGLER 330 33C

32138 GRANDIN PUTNAM 870 87D

32139 GEORGETOWN PUTNAM 860 86A

32140 FLORAHOME PUTNAM 860 86D

32141 EDGEWATER VOLUSIA 550 55A

32145 HASTINGS SAINT JOHNS 560 56A

32147 HOLLISTER PUTNAM 860 86D

32148 INTERLACHEN PUTNAM 860 86D

32149 EDGAR PUTNAM 860 86D

32157 LAKE COMO PUTNAM 860 86A



69



32158 LADY LAKE LAKE 840 84D

32159 LADY LAKE LAKE 840 84D

32160 LAKE GENEVA CLAY 860 86D

32162 THE VILLAGES SUMTER 840 84C

32164 PALM COAST FLAGLER 330 33B

32168 NEW SMYRNA BEACH VOLUSIA 550 55B

32169 NEW SMYRNA BEACH VOLUSIA 320 32B

32174 ORMOND BEACH VOLUSIA 550 55C

32176 ORMOND BEACH VOLUSIA 320 32B

32177 PALATKA PUTNAM 860 86C

32178 PALATKA PUTNAM 860 86C

32179 OCKLAWAHA MARION 850 85D

32180 PIERSON VOLUSIA 550 55E

32181 POMONA PARK PUTNAM 860 86A

32182 ORANGE SPRINGS MARION 850 85E

32183 OCKLAWAHA MARION 850 85D

32185 PUTNAM HALL PUTNAM 870 87D

32187 SAN MATEO PUTNAM 860 86A

32189 SATSUMA PUTNAM 860 86A

32190 SEVILLE VOLUSIA 550 55E

32192 SPARR MARION 850 85B

32193 WELAKA PUTNAM 860 86A

32195 WEIRSDALE MARION 850 85C

32202 JACKSONVILLE DUVAL 480 48B


32205 JACKSONVILLE DUVAL 490 49A


32207 JACKSONVILLE DUVAL 480 48C

















70







32233 ATLANTIC BEACH DUVAL 500 50B




32250 JACKSONVILLE BEACH DUVAL 500 50B





32259 SAINT JOHNS SAINT JOHNS 560 56A

32266 NEPTUNE BEACH DUVAL 500 50B


32301 TALLAHASSEE LEON 910 91B



32305 TALLAHASSEE LEON 910 91A








32320 APALACHICOLA FRANKLIN 186 18A

32321 BRISTOL LIBERTY 900 90B

32322 CARRABELLE FRANKLIN 186 18B

32323 LANARK VILLAGE FRANKLIN 186 18B

32324 CHATTAHOOCHEE GADSDEN 890 89D

32327 CRAWFORDVILLE WAKULLA 620 62B

32328 EASTPOINT FRANKLIN 186 18A

32329 APALACHICOLA FRANKLIN 186 18A

32330 GREENSBORO GADSDEN 890 89C

32331 GREENVILLE MADISON 880 88A

32332 GRETNA GADSDEN 890 89C

32333 HAVANA GADSDEN 890 89D

32334 HOSFORD LIBERTY 900 90C

32335 SUMATRA LIBERTY 900 90B

32336 LAMONT JEFFERSON 880 88A



71



32337 LLOYD JEFFERSON 880 88A

32340 MADISON MADISON 880 88C

32341 MADISON MADISON 880 88C

32343 MIDWAY GADSDEN 890 89C

32344 MONTICELLO JEFFERSON 880 88A

32345 MONTICELLO JEFFERSON 880 88A

32346 PANACEA WAKULLA 186 18C

32347 PERRY TAYLOR 620 62B

32348 PERRY TAYLOR 190 19A

32350 PINETTA MADISON 880 88C

32351 QUINCY GADSDEN 890 89C

32352 QUINCY GADSDEN 890 89D

32353 QUINCY GADSDEN 890 89C

32355 SAINT MARKS WAKULLA 186 18C

32356 SALEM TAYLOR 620 62B

32358 SOPCHOPPY WAKULLA 620 62A

32359 STEINHATCHEE TAYLOR 200 20B

32360 TELOGIA LIBERTY 900 90C

32361 WACISSA JEFFERSON 880 88A

32401 PANAMA CITY BAY 179 17A




32405 PANAMA CITY BAY 179 17B

32407 PANAMA CITY BEACH BAY 179 17A



32410 MEXICO BEACH BAY 179 17A

32413 PANAMA CITY BEACH BAY 179 17A

32420 ALFORD JACKSON 890 89A

32421 ALTHA CALHOUN 900 90C

32423 BASCOM JACKSON 890 89D

32424 BLOUNTSTOWN CALHOUN 900 90C

32425 BONIFAY HOLMES 890 89A

32426 CAMPBELLTON JACKSON 890 89B

32427 CARYVILLE WASHINGTON 890 89A

32428 CHIPLEY WASHINGTON 900 90A

32430 CLARKSVILLE CALHOUN 900 90B

32431 COTTONDALE JACKSON 890 89B

32432 CYPRESS JACKSON 890 89B

32433 DEFUNIAK SPRINGS WALTON 590 59A

32435 DEFUNIAK SPRINGS WALTON 165 16D



72



32437 EBRO WASHINGTON 900 90A

32438 FOUNTAIN BAY 600 60B

32439 FREEPORT WALTON 165 16C

32440 GRACEVILLE JACKSON 890 89D

32442 GRAND RIDGE JACKSON 890 89B

32443 GREENWOOD JACKSON 890 89D

32444 LYNN HAVEN BAY 179 17B

32445 MALONE JACKSON 890 89D

32446 MARIANNA JACKSON 890 89D

32448 MARIANNA JACKSON 890 89A

32449 WEWAHITCHKA CALHOUN 900 90B

32452 NOMA HOLMES 890 89A

32455 PONCE DE LEON WALTON 890 89A

32456 PORT SAINT JOE GULF 186 18B

32459 SANTA ROSA BEACH WALTON 165 16B

32460 SNEADS JACKSON 890 89B

32462 VERNON WASHINGTON 900 90A

32463 WAUSAU WASHINGTON 900 90A

32464 WESTVILLE HOLMES 890 89A

32465 WEWAHITCHKA GULF 610 61A

32466 YOUNGSTOWN BAY 900 90A

32501 PENSACOLA ESCAMBIA 139 13B

32502 PENSACOLA ESCAMBIA 139 13A

32503 PENSACOLA ESCAMBIA 139 13C


32505 PENSACOLA ESCAMBIA 139 13D


32507 PENSACOLA ESCAMBIA 139 13B


32514 PENSACOLA ESCAMBIA 139 13D


32530 BAGDAD SANTA ROSA 145 14C

32531 BAKER OKALOOSA 580 58A

32533 CANTONMENT ESCAMBIA 520 52B


32535 CENTURY ESCAMBIA 520 52C

32536 CRESTVIEW OKALOOSA 580 58A

32538 PAXTON WALTON 590 59A

32539 CRESTVIEW OKALOOSA 580 58A

32541 DESTIN OKALOOSA 153 15A

32542 EGLIN AFB OKALOOSA 153 15B

32544 HURLBURT FIELD OKALOOSA 153 15B



73



32547 FORT WALTON BEACH OKALOOSA 153 15B

32548 FORT WALTON BEACH OKALOOSA 153 15A

32550 MIRAMAR BEACH WALTON 165 16A

32561 GULF BREEZE SANTA ROSA 145 14A

32563 GULF BREEZE SANTA ROSA 145 14B

32564 HOLT OKALOOSA 580 58A

32565 JAY SANTA ROSA 570 57B

32566 NAVARRE SANTA ROSA 145 14B

32567 LAUREL HILL OKALOOSA 580 58B

32568 MC DAVID ESCAMBIA 520 52C

32569 MARY ESTHER OKALOOSA 153 15B

32570 MILTON SANTA ROSA 570 57A

32571 MILTON SANTA ROSA 570 57A

32577 MOLINO ESCAMBIA 520 52B

32578 NICEVILLE OKALOOSA 165 16C

32579 SHALIMAR OKALOOSA 153 15A

32580 VALPARAISO OKALOOSA 153 15B

32583 MILTON SANTA ROSA 145 14C

32601 GAINESVILLE ALACHUA 870 87E






32607 GAINESVILLE ALACHUA 870 87C








32615 ALACHUA ALACHUA 870 87B

32616 ALACHUA ALACHUA 870 87B

32617 ANTHONY MARION 850 85B

32618 ARCHER ALACHUA 870 87A

32619 BELL GILCHRIST 900 90C

32621 BRONSON LEVY 630 63B

32622 BROOKER BRADFORD 880 88D

32625 CEDAR KEY LEVY 200 20A

32626 CHIEFLAND LEVY 630 63B




74



32628 CROSS CITY DIXIE 630 63B

32631 EARLETON ALACHUA 870 87D

32633 EVINSTON ALACHUA 870 87D

32634 FAIRFIELD MARION 850 85B


32640 HAWTHORNE ALACHUA 870 87D


32643 HIGH SPRINGS ALACHUA 870 87B

32648 HORSESHOE BEACH DIXIE 200 20A


32654 ISLAND GROVE ALACHUA 870 87D

32655 HIGH SPRINGS ALACHUA 870 87B

32656 KEYSTONE HEIGHTS CLAY 860 86D

32658 LA CROSSE ALACHUA 870 87B

32662 LOCHLOOSA ALACHUA 870 87D

32663 LOWELL MARION 850 85B

32664 MC INTOSH MARION 850 85B

32666 MELROSE PUTNAM 870 87D

32667 MICANOPY ALACHUA 870 87A

32668 MORRISTON LEVY 630 63B

32669 NEWBERRY ALACHUA 870 87A

32680 OLD TOWN DIXIE 630 63B

32681 ORANGE LAKE MARION 850 85B

32686 REDDICK MARION 850 85B

32692 SUWANNEE DIXIE 630 63A

32693 TRENTON GILCHRIST 900 90C

32694 WALDO ALACHUA 870 87E

32696 WILLISTON LEVY 630 63B

32697 WORTHINGTON SPRINGS UNION 880 88D

32701 ALTAMONTE SPRINGS SEMINOLE 820 82D

32702 ALTOONA LAKE 840 84F

32703 APOPKA ORANGE 830 83D


32707 CASSELBERRY SEMINOLE 820 82C

32708 WINTER SPRINGS SEMINOLE 820 82B

32709 CHRISTMAS ORANGE 830 83A


32713 DEBARY VOLUSIA 550 55E







75



32719 WINTER SPRINGS SEMINOLE 820 82C

32720 DELAND VOLUSIA 550 55E

32724 DELAND VOLUSIA 550 55E

32725 DELTONA VOLUSIA 550 55E

32726 EUSTIS LAKE 840 84F



32732 GENEVA SEMINOLE 820 82A

32733 GOLDENROD SEMINOLE 820 82C

32735 GRAND ISLAND LAKE 840 84D


32738 DELTONA VOLUSIA 550 55E

32744 LAKE HELEN VOLUSIA 550 55E

32746 LAKE MARY SEMINOLE 820 82D

32747 LAKE MONROE SEMINOLE 820 82B

32750 LONGWOOD SEMINOLE 820 82D

32751 MAITLAND ORANGE 820 82C


32754 MIMS BREVARD 540 54A

32756 MOUNT DORA LAKE 840 84F

32757 MOUNT DORA LAKE 840 84F

32759 OAK HILL VOLUSIA 320 32A

32762 OVIEDO SEMINOLE 820 82B

32763 ORANGE CITY VOLUSIA 550 55E

32764 OSTEEN VOLUSIA 550 55E

32765 OVIEDO SEMINOLE 820 82B

32766 OVIEDO SEMINOLE 820 82A

32767 PAISLEY LAKE 840 84F

32768 PLYMOUTH ORANGE 830 83D

32771 SANFORD SEMINOLE 820 82B

32772 SANFORD SEMINOLE 820 82A

32773 SANFORD SEMINOLE 820 82B

32776 SORRENTO LAKE 840 84F

32778 TAVARES LAKE 840 84D


32780 TITUSVILLE BREVARD 540 54A

32784 UMATILLA LAKE 840 84F

32789 WINTER PARK ORANGE 790 79A


32792 WINTER PARK ORANGE 820 82C

32795 LAKE MARY SEMINOLE 820 82D

32796 TITUSVILLE BREVARD 540 54A



76



32798 ZELLWOOD ORANGE 830 83D

32799 MID FLORIDA SEMINOLE 820 82C

32801 ORLANDO ORANGE 790 79B

32803 ORLANDO ORANGE 790 79A






32809 ORLANDO ORANGE 830 83D





32815 ORLANDO BREVARD 310 31A













32830 ORLANDO ORANGE 830 83C






32836 ORLANDO ORANGE 830 83C



32901 MELBOURNE BREVARD 300 30C

32903 INDIALANTIC BREVARD 300 30A


32905 PALM BAY BREVARD 300 30C

32907 PALM BAY BREVARD 310 31C

32908 PALM BAY BREVARD 530 53A



77



32909 PALM BAY BREVARD 530 53A

32920 CAPE CANAVERAL BREVARD 300 30A

32922 COCOA BREVARD 310 31B

32925 PATRICK AFB BREVARD 300 30A

32926 COCOA BREVARD 530 53A

32927 COCOA BREVARD 540 54A

32931 COCOA BEACH BREVARD 300 30A

32934 MELBOURNE BREVARD 310 31B


32937 SATELLITE BEACH BREVARD 300 30A


32948 FELLSMERE INDIAN RIVER 290 29B

32949 GRANT BREVARD 300 30B

32950 MALABAR BREVARD 300 30B

32951 MELBOURNE BEACH BREVARD 300 30A

32952 MERRITT ISLAND BREVARD 300 30B

32953 MERRITT ISLAND BREVARD 310 31A

32955 ROCKLEDGE BREVARD 310 31B

32958 SEBASTIAN INDIAN RIVER 380 38B

32960 VERO BEACH INDIAN RIVER 380 38B


32963 VERO BEACH INDIAN RIVER 380 38A




32976 SEBASTIAN BREVARD 300 30B

33001 LONG KEY MONROE 100 10A

33004 DANIA BROWARD 430 43B

33008 HALLANDALE BROWARD 430 43B

33009 HALLANDALE BROWARD 430 43B

33010 HIALEAH MIAMI-DADE 400 40C



33014 HIALEAH MIAMI-DADE 400 40B




33019 HOLLYWOOD BROWARD 430 43A

33020 HOLLYWOOD BROWARD 430 43B

33021 HOLLYWOOD BROWARD 430 43E

33023 HOLLYWOOD BROWARD 430 43E




78








33030 HOMESTEAD MIAMI-DADE 390 39J

33031 HOMESTEAD MIAMI-DADE 400 40A

33032 HOMESTEAD MIAMI-DADE 390 39F



33035 HOMESTEAD MIAMI-DADE 390 39D

33036 ISLAMORADA MONROE 100 10A

33037 KEY LARGO MONROE 100 10B

33039 HOMESTEAD MIAMI-DADE 390 39D

33040 KEY WEST MONROE 115 11A

33042 SUMMERLAND KEY MONROE 100 10B

33043 BIG PINE KEY MONROE 100 10B

33044 KEY WEST MONROE 100 10B

33050 MARATHON MONROE 100 10A

33051 KEY COLONY BEACH MONROE 100 10A

33052 MARATHON SHORES MONROE 100 10A

33054 OPA LOCKA MIAMI-DADE 400 40B

33055 OPA LOCKA MIAMI-DADE 410 41C

33056 OPA LOCKA MIAMI-DADE 400 40B

33060 POMPANO BEACH BROWARD 430 43D

33062 POMPANO BEACH BROWARD 430 43A

33063 POMPANO BEACH BROWARD 420 42C


33065 POMPANO BEACH BROWARD 450 45B




33069 POMPANO BEACH BROWARD 430 43E

33070 TAVERNIER MONROE 100 10A

33071 POMPANO BEACH BROWARD 450 45B



33101 MIAMI MIAMI-DADE 390 39E

33109 MIAMI BEACH MIAMI-DADE 390 39A

33114 MIAMI MIAMI-DADE 390 39G

33122 MIAMI MIAMI-DADE 400 40C

33125 MIAMI MIAMI-DADE 390 39H



79






33129 MIAMI MIAMI-DADE 390 39B



33132 MIAMI MIAMI-DADE 390 39A

33133 MIAMI MIAMI-DADE 390 39D















33149 KEY BISCAYNE MIAMI-DADE 390 39A





33157 MIAMI MIAMI-DADE 390 39F


33160 NORTH MIAMI BEACH MIAMI-DADE 390 39A

33161 MIAMI MIAMI-DADE 390 39I














80






















33301 FORT LAUDERDALE BROWARD 430 43B


33305 FORT LAUDERDALE BROWARD 430 43A



33309 FORT LAUDERDALE BROWARD 430 43E



33313 FORT LAUDERDALE BROWARD 420 42C

















81





33334 FORT LAUDERDALE BROWARD 430 43D



33401 WEST PALM BEACH PALM BEACH 440 44B

33403 WEST PALM BEACH PALM BEACH 440 44D


33405 WEST PALM BEACH PALM BEACH 440 44B



33408 NORTH PALM BEACH PALM BEACH 440 44A


33410 PALM BEACH GARDENS PALM BEACH 440 44D

33411 WEST PALM BEACH PALM BEACH 460 46C

33412 WEST PALM BEACH PALM BEACH 470 47A


33414 WELLINGTON PALM BEACH 470 47B



33418 PALM BEACH GARDENS PALM BEACH 460 46A

33424 BOYNTON BEACH PALM BEACH 440 44B

33426 BOYNTON BEACH PALM BEACH 440 44D

33428 BOCA RATON PALM BEACH 460 46B

33430 BELLE GLADE PALM BEACH 470 47C

33431 BOCA RATON PALM BEACH 440 44C

33432 BOCA RATON PALM BEACH 440 44A




33436 BOYNTON BEACH PALM BEACH 440 44D


33438 CANAL POINT PALM BEACH 470 47B

33440 CLEWISTON HENDRY 350 35A

33441 DEERFIELD BEACH BROWARD 430 43C

33442 DEERFIELD BEACH BROWARD 430 43D

33444 DELRAY BEACH PALM BEACH 440 44D


33446 DELRAY BEACH PALM BEACH 460 46B

33449 LAKE WORTH PALM BEACH 460 46C

33455 HOBE SOUND MARTIN 360 36B

33458 JUPITER PALM BEACH 460 46A



82



33460 LAKE WORTH PALM BEACH 440 44B

33461 LAKE WORTH PALM BEACH 440 44D

33462 LAKE WORTH PALM BEACH 440 44B



33469 JUPITER PALM BEACH 360 36B

33470 LOXAHATCHEE PALM BEACH 470 47B

33471 MOORE HAVEN GLADES 350 35B



33476 PAHOKEE PALM BEACH 470 47B



33480 PALM BEACH PALM BEACH 440 44A

33483 DELRAY BEACH PALM BEACH 440 44A


33486 BOCA RATON PALM BEACH 440 44C


33493 SOUTH BAY PALM BEACH 470 47C



33503 BALM HILLSBOROUGH 740 74B

33510 BRANDON HILLSBOROUGH 760 76C

33511 BRANDON HILLSBOROUGH 760 76C

33513 BUSHNELL SUMTER 840 84B

33514 CENTER HILL SUMTER 840 84B

33521 COLEMAN SUMTER 840 84E

33523 DADE CITY PASCO 650 65D

33524 CRYSTAL SPRINGS PASCO 650 65D



33527 DOVER HILLSBOROUGH 760 76C

33534 GIBSONTON HILLSBOROUGH 750 75C

33538 LAKE PANASOFFKEE SUMTER 840 84E

33540 ZEPHYRHILLS PASCO 650 65D



33543 WESLEY CHAPEL PASCO 650 65C



33547 LITHIA HILLSBOROUGH 760 76A

33548 LUTZ HILLSBOROUGH 740 74C



83




33556 ODESSA HILLSBOROUGH 740 74A

33558 LUTZ HILLSBOROUGH 740 74A


33563 PLANT CITY HILLSBOROUGH 760 76C





33568 RIVERVIEW HILLSBOROUGH 740 74C


33570 RUSKIN HILLSBOROUGH 750 75C

33572 APOLLO BEACH HILLSBOROUGH 750 75C

33573 SUN CITY CENTER HILLSBOROUGH 740 74B

33574 SAINT LEO PASCO 650 65C

33576 SAN ANTONIO PASCO 650 65C

33578 RIVERVIEW HILLSBOROUGH 740 74B


33583 SEFFNER HILLSBOROUGH 760 76C

33584 SEFFNER HILLSBOROUGH 760 76C

33585 SUMTERVILLE SUMTER 840 84B

33592 THONOTOSASSA HILLSBOROUGH 760 76B

33594 VALRICO HILLSBOROUGH 760 76C

33596 VALRICO HILLSBOROUGH 760 76C

33597 WEBSTER SUMTER 840 84E

33598 WIMAUMA HILLSBOROUGH 740 74B

33601 TAMPA HILLSBOROUGH 730 73A


33603 TAMPA HILLSBOROUGH 730 73B

33604 TAMPA HILLSBOROUGH 730 73C















84
















33701 SAINT PETERSBURG PINELLAS 510 51B

33702 SAINT PETERSBURG PINELLAS 770 77F

33703 SAINT PETERSBURG PINELLAS 770 77A






33709 SAINT PETERSBURG PINELLAS 770 77D

33710 SAINT PETERSBURG PINELLAS 770 77D






33716 SAINT PETERSBURG PINELLAS 770 77F

33730 SAINT PETERSBURG PINELLAS 770 77G

33755 CLEARWATER PINELLAS 770 77E

33756 CLEARWATER PINELLAS 770 77E

33759 CLEARWATER PINELLAS 770 77C

33760 CLEARWATER PINELLAS 770 77G

33761 CLEARWATER PINELLAS 770 77H

33762 CLEARWATER PINELLAS 770 77F


33764 CLEARWATER PINELLAS 770 77G


33767 CLEARWATER BEACH PINELLAS 510 51A

33770 LARGO PINELLAS 770 77E

33771 LARGO PINELLAS 770 77G



85



33772 SEMINOLE PINELLAS 770 77B

33773 LARGO PINELLAS 770 77G

33774 LARGO PINELLAS 770 77B

33776 SEMINOLE PINELLAS 770 77B

33777 SEMINOLE PINELLAS 770 77D

33778 LARGO PINELLAS 770 77D

33781 PINELLAS PARK PINELLAS 770 77H

33782 PINELLAS PARK PINELLAS 770 77H

33784 SAINT PETERSBURG PINELLAS 770 77G

33785 INDIAN ROCKS BEACH PINELLAS 510 51A

33786 BELLEAIR BEACH PINELLAS 510 51A

33801 LAKELAND POLK 800 80C









33811 LAKELAND POLK 800 80B




33820 ALTURAS POLK 800 80B

33823 AUBURNDALE POLK 800 80C

33825 AVON PARK HIGHLANDS 720 72B

33826 AVON PARK HIGHLANDS 720 72B

33827 BABSON PARK POLK 800 80B

33830 BARTOW POLK 800 80B

33831 BARTOW POLK 800 80B

33834 BOWLING GREEN HARDEE 800 80A

33835 BRADLEY POLK 800 80A

33836 DAVENPORT POLK 800 80D


33838 DUNDEE POLK 800 80C

33839 EAGLE LAKE POLK 800 80C

33840 EATON PARK POLK 800 80C

33841 FORT MEADE POLK 800 80B

33843 FROSTPROOF POLK 800 80B

33844 HAINES CITY POLK 800 80C

33845 HAINES CITY POLK 800 80C



86



33846 HIGHLAND CITY POLK 800 80C

33847 HOMELAND POLK 800 80B

33848 INTERCESSION CITY OSCEOLA 810 81D

33849 KATHLEEN POLK 800 80C

33850 LAKE ALFRED POLK 800 80B

33851 LAKE HAMILTON POLK 800 80C

33852 LAKE PLACID HIGHLANDS 720 72A

33853 LAKE WALES POLK 800 80B

33854 LAKESHORE POLK 800 80B

33855 INDIAN LAKE ESTATES POLK 800 80C

33856 NALCREST POLK 800 80B

33857 LORIDA HIGHLANDS 720 72A

33858 LOUGHMAN POLK 800 80C


33860 MULBERRY POLK 800 80B

33862 LAKE PLACID HIGHLANDS 720 72A

33863 NICHOLS POLK 800 80B

33865 ONA HARDEE 710 71A

33867 RIVER RANCH POLK 800 80B

33868 POLK CITY POLK 800 80C

33870 SEBRING HIGHLANDS 720 72B



33873 WAUCHULA HARDEE 710 71B


33876 SEBRING HIGHLANDS 720 72A

33877 WAVERLY POLK 800 80C

33880 WINTER HAVEN POLK 800 80C







33890 ZOLFO SPRINGS HARDEE 710 71B




33901 FORT MYERS LEE 690 69B

33903 NORTH FORT MYERS LEE 690 69B

33904 CAPE CORAL LEE 260 26D

33905 FORT MYERS LEE 690 69C



87





33908 FORT MYERS LEE 260 26D

33909 CAPE CORAL LEE 690 69B


33912 FORT MYERS LEE 690 69A


33914 CAPE CORAL LEE 260 26D

33916 FORT MYERS LEE 690 69C

33917 NORTH FORT MYERS LEE 690 69C

33919 FORT MYERS LEE 260 26D

33920 ALVA LEE 690 69D

33921 BOCA GRANDE LEE 255 25A

33922 BOKEELIA LEE 260 26B

33924 CAPTIVA LEE 260 26A

33927 EL JOBEAN CHARLOTTE 255 25B

33928 ESTERO LEE 260 26E

33930 FELDA HENDRY 350 35B

33931 FORT MYERS BEACH LEE 260 26A

33935 LABELLE HENDRY 350 35B

33936 LEHIGH ACRES LEE 690 69D

33938 MURDOCK CHARLOTTE 255 25B

33944 PALMDALE GLADES 350 35B

33945 PINELAND LEE 260 26B

33946 PLACIDA CHARLOTTE 255 25A

33947 ROTONDA WEST CHARLOTTE 255 25A

33948 PORT CHARLOTTE CHARLOTTE 255 25B

33950 PUNTA GORDA CHARLOTTE 255 25C

33952 PORT CHARLOTTE CHARLOTTE 255 25C

33953 PORT CHARLOTTE CHARLOTTE 255 25B

33954 PORT CHARLOTTE CHARLOTTE 680 68A


33956 SAINT JAMES CITY LEE 260 26B

33957 SANIBEL LEE 260 26A

33960 VENUS HIGHLANDS 720 72A









88



33975 LABELLE HENDRY 350 35B



33981 PORT CHARLOTTE CHARLOTTE 255 25A

33982 PUNTA GORDA CHARLOTTE 680 68A

33983 PUNTA GORDA CHARLOTTE 680 68A


33991 CAPE CORAL LEE 260 26F

33993 CAPE CORAL LEE 260 26F

34102 NAPLES COLLIER 275 27B


34104 NAPLES COLLIER 275 27D






34113 NAPLES COLLIER 275 27C






34134 BONITA SPRINGS LEE 260 26C

34135 BONITA SPRINGS LEE 260 26E

34138 CHOKOLOSKEE COLLIER 275 27A

34139 EVERGLADES CITY COLLIER 275 27A

34140 GOODLAND COLLIER 275 27C

34141 OCHOPEE MIAMI-DADE 700 70A

34142 IMMOKALEE COLLIER 700 70C

34145 MARCO ISLAND COLLIER 275 27A

34146 MARCO ISLAND COLLIER 275 27A

34201 BRADENTON MANATEE 660 66A


34203 BRADENTON MANATEE 230 23C

34205 BRADENTON MANATEE 230 23C

34207 BRADENTON MANATEE 230 23B








89



34215 CORTEZ MANATEE 230 23A

34216 ANNA MARIA MANATEE 230 23A

34217 BRADENTON BEACH MANATEE 230 23A

34219 PARRISH MANATEE 660 66B

34221 PALMETTO MANATEE 230 23C

34222 ELLENTON MANATEE 660 66A

34223 ENGLEWOOD SARASOTA 240 24B

34224 ENGLEWOOD CHARLOTTE 240 24B

34228 LONGBOAT KEY MANATEE 230 23A

34229 OSPREY SARASOTA 240 24A

34231 SARASOTA SARASOTA 240 24C

34232 SARASOTA SARASOTA 240 24D




34236 SARASOTA SARASOTA 240 24A


34238 SARASOTA SARASOTA 240 24C





34243 SARASOTA MANATEE 230 23C

34250 TERRA CEIA MANATEE 230 23B

34251 MYAKKA CITY MANATEE 660 66B

34265 ARCADIA DE SOTO 710 71A


34267 FORT OGDEN DE SOTO 710 71A

34268 NOCATEE DE SOTO 710 71A


34272 LAUREL SARASOTA 240 24B

34274 NOKOMIS SARASOTA 240 24B

34275 NOKOMIS SARASOTA 240 24B

34285 VENICE SARASOTA 240 24B

34286 NORTH PORT SARASOTA 670 67B

34287 NORTH PORT SARASOTA 670 67A





34292 VENICE SARASOTA 240 24C

34293 VENICE SARASOTA 240 24B



90



34420 BELLEVIEW MARION 850 85C

34421 BELLEVIEW MARION 850 85C

34428 CRYSTAL RIVER CITRUS 640 64B

34429 CRYSTAL RIVER CITRUS 210 21D

34430 DUNNELLON MARION 850 85A



34433 DUNNELLON CITRUS 640 64C

34434 DUNNELLON CITRUS 640 64C

34436 FLORAL CITY CITRUS 640 64C

34442 HERNANDO CITRUS 640 64C

34446 HOMOSASSA CITRUS 640 64B

34447 HOMOSASSA SPRINGS CITRUS 210 21D

34448 HOMOSASSA CITRUS 210 21D

34449 INGLIS LEVY 200 20B

34450 INVERNESS CITRUS 640 64C



34460 LECANTO CITRUS 640 64B

34461 LECANTO CITRUS 640 64B

34465 BEVERLY HILLS CITRUS 640 64C

34470 OCALA MARION 850 85E


34472 OCALA MARION 850 85D

34473 OCALA MARION 850 85C

34474 OCALA MARION 850 85B







34481 OCALA MARION 850 85A



34484 OXFORD SUMTER 840 84C

34488 SILVER SPRINGS MARION 850 85E

34489 SILVER SPRINGS MARION 850 85E

34491 SUMMERFIELD MARION 850 85C

34492 SUMMERFIELD MARION 850 85C

34498 YANKEETOWN LEVY 200 20A

34601 BROOKSVILLE HERNANDO 640 64B



91



34602 BROOKSVILLE HERNANDO 640 64B

34604 BROOKSVILLE HERNANDO 640 64A

34606 SPRING HILL HERNANDO 210 21B

34607 SPRING HILL HERNANDO 210 21A

34608 SPRING HILL HERNANDO 210 21B

34609 SPRING HILL HERNANDO 640 64A

34610 SPRING HILL PASCO 650 65B

34613 BROOKSVILLE HERNANDO 640 64A

34614 BROOKSVILLE HERNANDO 210 21C

34637 LAND O LAKES PASCO 650 65A

34638 LAND O LAKES PASCO 650 65B

34639 LAND O LAKES PASCO 650 65C

34652 NEW PORT RICHEY PASCO 220 22A

34653 NEW PORT RICHEY PASCO 220 22B



34667 HUDSON PASCO 220 22B

34668 PORT RICHEY PASCO 220 22B

34669 HUDSON PASCO 650 65A

34677 OLDSMAR PINELLAS 780 78C

34681 CRYSTAL BEACH PINELLAS 770 77E

34683 PALM HARBOR PINELLAS 770 77E

34684 PALM HARBOR PINELLAS 780 78B

34685 PALM HARBOR PINELLAS 780 78B

34688 TARPON SPRINGS PINELLAS 770 77H

34689 TARPON SPRINGS PINELLAS 770 77E

34690 HOLIDAY PASCO 220 22A

34691 HOLIDAY PASCO 220 22A

34695 SAFETY HARBOR PINELLAS 770 77C

34698 DUNEDIN PINELLAS 770 77E

34705 ASTATULA LAKE 840 84F

34711 CLERMONT LAKE 840 84A



34714 CLERMONT LAKE 840 84E

34715 CLERMONT LAKE 840 84E

34729 FERNDALE LAKE 840 84E

34731 FRUITLAND PARK LAKE 840 84D

34734 GOTHA ORANGE 830 83B

34736 GROVELAND LAKE 840 84E

34737 HOWEY IN THE HILLS LAKE 840 84E

34739 KENANSVILLE OSCEOLA 810 81A



92



34741 KISSIMMEE OSCEOLA 810 81D



34744 KISSIMMEE OSCEOLA 810 81C


34746 KISSIMMEE OSCEOLA 810 81C


34748 LEESBURG LAKE 840 84E

34749 LEESBURG LAKE 840 84E

34753 MASCOTTE LAKE 840 84E

34756 MONTVERDE LAKE 840 84A


34759 KISSIMMEE POLK 800 80D

34760 OAKLAND ORANGE 830 83C

34761 OCOEE ORANGE 830 83B

34762 OKAHUMPKA LAKE 840 84B

34769 SAINT CLOUD OSCEOLA 810 81B




34773 SAINT CLOUD OSCEOLA 810 81A

34785 WILDWOOD SUMTER 840 84E

34786 WINDERMERE ORANGE 830 83C

34787 WINTER GARDEN ORANGE 830 83C

34788 LEESBURG LAKE 840 84D

34797 YALAHA LAKE 840 84B

34945 FORT PIERCE SAINT LUCIE 280 28A

34946 FORT PIERCE SAINT LUCIE 370 37B

34947 FORT PIERCE SAINT LUCIE 370 37C

34949 FORT PIERCE SAINT LUCIE 370 37A



34952 PORT SAINT LUCIE SAINT LUCIE 370 37B

34953 PORT SAINT LUCIE SAINT LUCIE 370 37D

34956 INDIANTOWN MARTIN 125 12B

34957 JENSEN BEACH MARTIN 360 36A

34972 OKEECHOBEE OKEECHOBEE 350 35B








93



34984 PORT SAINT LUCIE SAINT LUCIE 370 37C




34990 PALM CITY MARTIN 125 12A

34992 PORT SALERNO MARTIN 360 36C

34994 STUART MARTIN 360 36C

34996 STUART MARTIN 360 36A

34997 STUART MARTIN 360 36C



94

●ENDORSEMENTS●

Form Number Form Name

BHO 99.003 Special Personal Property Coverage HO 00 03 Only

BHO 09.004 Calendar Year Hurricane Deductible (Percentage) With Supplemental Reporting Requirement – Florida HO 00 04 and HO 00 06

BHO 09.005 Calendar Year Hurricane Deductible (Fixed Dollar) With Supplemental Reporting Requirement – Florida HO 00 04 and HO 00 06

BHO 09.119 Special Provisions – Florida

BHO 09.128 Water Back Up and Sump Discharge or Overflow – Florida

BHO 09.129 Personal Property Deletion Endorsement

BHO 09.129A Deletion of Coverage C – Personal Property

BHOD 09.130 Wind, Hail, Tornado, Hurricane and Tropical Storm Exclusion

BHOD 09.130A Rejection of Windstorm Coverage

BHO 09.132 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage for use with All Forms

HO 03 34 05 03 Limited Fungi, Wet or Dry Rot, or Bacteria Section II – Liability Coverage for use with All Forms

BHO 09.135 Specified Additional Amount of Insurance for Coverage A – Dwelling – Florida HO 00 03

HO 04 47 04 11 Additional Loss Assessment Coverage (Unit-Owners) – Florida

BHO 99.303 Home Computer Endorsement

BHO 99.311 Golf Cart Liability Endorsement

BHO 09.333 Scheduled Personal Property Endorsement

BHO 09.341 Limited Hurricane Coverage for Pool Cage(s), Screened Enclosure(s) or Carport(s)

BHO 99.500 Equipment Breakdown Endorsement

HO 00 03 10 00 Homeowners 3 – Special Form

HO 00 04 10 00 Homeowners 4 – Contents Broad Form

HO 00 06 10 00 Homeowners 6 – Unit-Owners Form

HO 03 51 05 05 Calendar Year Hurricane Deductible (Percentage) with Supplemental Reporting Requirement – Florida – All Forms Except HO 00 04

HO 03 52 05 05 Calendar Year Hurricane Deductible (Fixed Dollar) with Supplemental Reporting Requirement – Florida – All Forms Except HO 00 04

HO 04 10 10 00 Additional Interests – Residence Premises



95

Form Number Form Name

HO 04 16 10 00 Premises Alarm or Fire Protection System

HO 04 35 10 00 Loss Assessment Coverage

HO 04 41 10 00 Additional Insured – Residence Premises

HO 04 48 10 00 Other Structures on the Residence Premises – Increased Limits

HO 04 50 10 00 Personal Property At Other Residences – Increased Limits

HO 04 55 03 03 Identity Fraud Expense Coverage

HO 04 58 10 00 Other Members of Your Household

HO 04 65 10 00 Coverage C Increased Special Limits of Liability

HO 04 66 10 00 Coverage C Increased Special Limits of Liability

HO 04 77 10 00 Ordinance or Law Increased Amount of Coverage

BHO 09 623 Ordinance or Law Exclusion

HO 04 90 10 00 Personal Property Replacement Cost Loss Settlement

HO 04 96 10 00 No Section II – Liability Coverages for Home Day Care Business Limited Section I – Property Coverages for Home Day Care Business

HO 17 32 10 00 Unit-Owners Coverage A Special Coverage – HO 00 06 Only

HO 17 33 05 11 Unit-Owners Rental to Others

HO 23 70 07 01 Windstorm Exterior Paint or Waterproofing Exclusion – Seacoast – Florida

BHO 09.176 Sinkhole Loss Coverage – Florida – HO 00 03

BHO 09 PNJ Personal Injury

BHO 09.191 Sinkhole Loss Coverage – Florida – HO 00 06

OIR B1 1655 02 10 Notice of Premium Discounts for Hurricane Loss Mitigation

OIR B1 1802 02 10 Uniform Mitigation Verification Inspection Form

BHO 09 662 Water Damage Exclusion

BHO 09 663 Limited Water Damage Coverage

BHO 09 665 BOSS Endorsement Package Form

BHO 09 666 BOSS Plus Endorsement Package Form

BHO 99 AL Animal Liability Coverage

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