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HOMEOWNER

Underwriting Rules and Rates

Effective

2/15/2012 New Business

NYCM INSURANCE HOMEOWNER MANUALTABLE OF CONTENTS

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RULE NO. PAGE NO.

PART I - COVERAGE AND DEFINITION TYPE RULES

100. Introduction..........................................................................................................................Part I GR 1A. About The Homeowners Manual...........................................................................Part I GR 1B. Manual Structure ..................................................................................................Part I GR 1

101. Limits Of Liability And Coverage Relationships................................................................Part I GR 2A. Limits .....................................................................................................................Part I GR 2B. All Forms................................................................................................................Part I GR 2C. Forms NYC HO 00 02, NYC HO 00 03, NYC HO 7, NYC HO 7P

and NYC HO 10 ....................................................................................................Part I GR 2D. Forms NYC HO 00 02, or NYC HO 00 03 Only..................................................Part I GR 2E. Form NYC HO 00 06 ............................................................................................Part I GR 2

102. Description Of Coverages ....................................................................................................Part I GR 3A. Section I- Property- Perils Insured Against .........................................................Part I GR 3B. Section II- Liability- All Forms.............................................................................Part I GR 3

103. Mandatory Coverages ..........................................................................................................Part I GR 4104. Eligibility..............................................................................................................................Part I GR 4

A. All Forms Except NYC HO 00 04 and NYC HO 00 06.......................................Part I GR 4B. Form NYC HO 00 04 ............................................................................................Part I GR 4, 5C. Form NYC HO 00 06 ............................................................................................Part I GR 5D. Seasonal Dwelling..................................................................................................Part I GR 5E. Mobile Home, Trailer Home Or House Trailer.....................................................Part I GR 5F. Permitted Business Occupancies ..........................................................................Part I GR 5G. Farm Property .......................................................................................................Part I GR 5

105. Secondary Residence Premises............................................................................................Part I GR 5106. Protection Classification Information .................................................................................Part I GR 6107. Construction Definitions......................................................................................................Part I GR 6

A. Frame .....................................................................................................................Part I GR 6B. Masonry Veneer.....................................................................................................Part I GR 6C. Masonry..................................................................................................................Part I GR 6D. Superior Construction ...........................................................................................Part I GR 6E. Mixed (Masonry/Frame) ........................................................................................Part I GR 6

108. Seasonal Dwelling Definition ..............................................................................................Part I GR 7109. Single and Separate Buildings Definition ..........................................................................Part I GR 7

A. Single Building ......................................................................................................Part I GR 7B. Separate Building ..................................................................................................Part I GR 7

110. -200. Reserved For Future Use.....................................................................................................Part I GR 8

PART II - SERVICING TYPE RULES

201. Policy Period.........................................................................................................................Part II GR 1202. Changes Or Cancellations ...................................................................................................Part II GR 1203. Manual Premium Revision ..................................................................................................Part II GR 2204. Multiple Company Insurance..............................................................................................Part II GR 2205. Minimum Premium..............................................................................................................Part II GR 3, Rates-1206. Transfer Or Assignment ......................................................................................................Part II GR 3207. Waiver Of Premium .............................................................................................................Part II GR 4, Rates-2208. Whole Dollar Premium Rule................................................................................................Part II GR 4209. Restrictions Of Individual Policies......................................................................................Part II GR 5210. Reserved For Future Use.....................................................................................................Part II GR 5211. Reserved For Future Use.....................................................................................................Part II GR 6212. -300. Reserved For Future Use.....................................................................................................Part II GR 6


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PART III - BASE PREMIUM COMPUTATION RULES

301. Base Premium Computation ...............................................................................................Part III GR 1A. All Forms................................................................................................................Part III GR 1, Rates- 4-7B. Interpolation ..........................................................................................................Part III GR 1

302. Loss Settlement Options......................................................................................................Part III GR 2A. Introduction ...........................................................................................................Part III GR 2B. Coverage Description.............................................................................................Part III GR 2C. Premium Computation ..........................................................................................Rates-8D. Endorsement..........................................................................................................Part III GR 2

303. Ordinance Or Law Coverage All Forms Except NYC HO 00 04 or NYC HO 00 06........Part III GR 2A. Basic Limit .............................................................................................................Part III GR 2B. Increased Amount Of Coverage ............................................................................Part III GR 2C. Premium.................................................................................................................Rates-9D. Endorsement..........................................................................................................Part III GR 2

304. Reserved For Future Use.....................................................................................................Part III GR 3305. -400. Reserved For Future Use.....................................................................................................Part III GR 3

PART IV - ADJUSTED BASE PREMIUM COMPUTATION RULES

401. Superior Construction..........................................................................................................Part IV GR 1402. Townhouse Or Row House- All Forms Except NYC HO 00 04 and NYC HO 00 06 .......Part IV GR 1, Rates-11403. Personal Property (Coverage C) Replacement Cost Loss Settlement ...............................Part IV GR 2

A. Introduction ...........................................................................................................Part IV GR 2B. Loss Settlement Option-All Forms Except NYC HO 7, NYC HO 7P

and NYC HO 10 ....................................................................................................Part IV GR 2C. Endorsement..........................................................................................................Part IV GR 2D. Premium Determination .......................................................................................Rates-12

404. Protective Devices ................................................................................................................Part IV GR 2B. Protection Devices Factors ....................................................................................Rates-13C. Endorsement..........................................................................................................Part IV GR 2

405. Inflation Guard- All Forms Except NYC HO 00 04 and NYC HO 00 06 .........................Part IV GR 3A. Coverage Description.............................................................................................Part IV GR 3C. Premium Computation ..........................................................................................Part IV GR 3

406. Deductibles ...........................................................................................................................Part IV GR 3-4A. Base Deductible .....................................................................................................Part IV GR 3B. Optional Deductible...............................................................................................Part IV GR 3, Rates-14C. Windstorm Deductible (All Forms Except NYC HO 00 04 and

NYC HO 00 06) .....................................................................................................Part IV GR 3-4, Rates-14407. Reserved For Future Use.....................................................................................................Part IV GR 5408. Reserved For Future Use.....................................................................................................Part IV GR 5409. Reserved For Future Use.....................................................................................................Part IV GR 6410. Reserved For Future Use.....................................................................................................Part IV GR 6411. -500. Reserved For Future Use.....................................................................................................Part IV GR 7

PART V - SECTION I – PROPERTY - ADDITIONAL COVERAGESAND INCREASED LIMITS RULES

501. Reserved For Future Use.....................................................................................................Part V GR 1502. Building Additions And Alterations-Increased Limit-NYC HO 00 04 .............................Part V GR 1

A. Coverage C Increase ..............................................................................................Part V GR 1B. Premium Computation ..........................................................................................Rates-16C. Endorsement..........................................................................................................Part V GR 1


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503. Business Property- Increased- All Forms Except NYC HO 7, NYC HO 7Pand NYC HO 10...................................................................................................................Part V GR 2

A. On-Premises...........................................................................................................Part V GR 2, Rates-17B. Off-Premises...........................................................................................................Part V GR 2C. Endorsement..........................................................................................................Part V GR 2

504. Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery andCounterfeit Money ...............................................................................................................Part V GR 2

A. Coverage Increase..................................................................................................Part V GR 2B. Premium.................................................................................................................Rates-18C. Endorsement..........................................................................................................Part V GR 2

505. Earthquake Coverage ..........................................................................................................Part V GR 3A. Earthquake Coverage ............................................................................................Part V GR 3B. Deductible ..............................................................................................................Part V GR 3C. Loss Assessment Coverage....................................................................................Part V GR 3D. Base Premium........................................................................................................Part V GR 3, Rates-19E. Premium For Higher Deductibles.........................................................................Part V GR 3F. Endorsement..........................................................................................................Part V GR 3

506. Reserved For Future Use.....................................................................................................Part V GR 3507. Form NYC HO 00 06 Coverage A Dwelling Basic

And Increased Limits And Special Coverage-NYC HO 00 06...........................................Part V GR 4A. Basic Limits ...........................................................................................................Part V GR 4B. Increased Limits ....................................................................................................Part V GR 4, Rates-21C. Special Coverage....................................................................................................Part V GR 4, Rates-21D. Endorsement..........................................................................................................Part V GR 4

508. Reserved For Future Use.....................................................................................................Part V GR 4509. Home Day Care Coverage....................................................................................................Part V GR 5

A. Coverage Description.............................................................................................Part V GR 5B. Other Structures....................................................................................................Part V GR 5C. Personal Property ..................................................................................................Part V GR 5D. Premium Computation ..........................................................................................Part V GR 5, Rates-23E. Endorsement..........................................................................................................Part V GR 5

510. Permitted Incidental Occupancies Residence Premises.....................................................Part V GR 5A. Coverage Description.............................................................................................Part V GR 5B. Permitted Incidental Occupancies ........................................................................Part V GR 5C. Other Structures....................................................................................................Part V GR 5D. Personal Property ..................................................................................................Part V GR 5E. Premium Computation ..........................................................................................Part V GR 5, Rates-24F. Endorsement..........................................................................................................Part V GR 5

511. Loss Assessment Coverage ..................................................................................................Part V GR 6A. Residence Premises ...............................................................................................Part V GR 6, Rates-25B. Additional Locations..............................................................................................Part V GR 6, Rates-25C. Endorsement..........................................................................................................Part V GR 6

512. Loss Of Use-Increased Limit ...............................................................................................Part V GR 6, Rates-26513. Reserved For Future Use.....................................................................................................Part V GR 7514. Other Structures ..................................................................................................................Part V GR 7

A. On-Premises Structures ........................................................................................Part V GR 7, Rates-28515. Personal Property ................................................................................................................Part V GR 8

A. Increased Limit- NYC HO 00 02, NYC HO 00 03, NYC HO 7and NYC HO 7P....................................................................................................Part V GR 8, Rates-29

B. Reduction In Limit- NYC HO 00 02 or NYC HO 00 03......................................Part V GR 8, Rates-29C. Increased Special Limits Of Liability NYC HO 00 02, NYC HO 00 03,

NYC HO 7, NYC HO 7P, and NYC HO 10.........................................................Part V GR 8, Rates-29D. Endorsement..........................................................................................................Part V GR 8

516. Personal Property Scheduled ..............................................................................................Part V GR 8A. Coverage Description.............................................................................................Part V GR 8B. Endorsement..........................................................................................................Part V GR 8


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517. Rental To Others- Extended Theft Coverage......................................................................Part V GR 9A. Coverage Description.............................................................................................Part V GR 9B. Premium.................................................................................................................Rates-31C. Endorsement..........................................................................................................Part V GR 9

518. Reserved For Future Use.....................................................................................................Part V GR 9519. Reserved For Future Use.....................................................................................................Part V GR 10520. Reserved For Future Use.....................................................................................................Part V GR 10521. Water Back Up And Sump Discharge Or Overflow............................................................Part V GR 11

A. Coverage Description.............................................................................................Part V GR 11B. Coverage Option ....................................................................................................Part V GR 11C. Premium.................................................................................................................Rates-33D. Endorsement..........................................................................................................Part V GR 11

522. Reserved For Future Use.....................................................................................................Part V GR 11523. Reserved For Future Use.....................................................................................................Part V GR 12524. Reserved For Future Use.....................................................................................................Part V GR 12525. Motorized Golf Cart-Physical Loss Coverage .....................................................................Part V GR 13

A. Coverage Description.............................................................................................Part V GR 13B. Eligibility................................................................................................................Part V GR 13C. Limit Of Liability...................................................................................................Part V GR 13D. Deductible ..............................................................................................................Part V GR 13E. Premium.................................................................................................................Rates-35F. Endorsement..........................................................................................................Part V GR 13

526. Reserved For Future Use.....................................................................................................Part V GR 13527. Reserved For Future Use.....................................................................................................Part V GR 14528. Reserved For Future Use.....................................................................................................Part V GR 14529. Reserved For Future Use.....................................................................................................Part V GR 15530. -600. Reserved For Future Use.....................................................................................................Part V GR 15

PART VI - SECTION II – LIABILITY - ADDITIONAL COVERAGESAND INCREASED LIMITS RULES

601. Residence Premises- Basic And Increased Limits/Other Exposures-Basic Limits ...........Part VI GR 1A. Residence Premises ...............................................................................................Part VI GR 1, Rates-37B. Other Exposures ....................................................................................................Part VI GR 1

602. Reserved For Future Use.....................................................................................................Part VI GR 1603. Reserved For Future Use.....................................................................................................Part VI GR 2604. Additional Residence Rented To Others .............................................................................Part VI GR 2

A. Introduction ...........................................................................................................Part VI GR 2B. Premium.................................................................................................................Rates-39C. Endorsement..........................................................................................................Part VI GR 2

605. Other Structures Rented To Others- Residence Premises.................................................Part VI GR 3A. Coverage Description.............................................................................................Part VI GR 3B. Premium.................................................................................................................Rates-40C. Endorsement..........................................................................................................Part VI GR 3

606. Reserved For Future Use.....................................................................................................Part VI GR 3607. Home Day Care Coverage....................................................................................................Part VI GR 4

A. Coverage Description.............................................................................................Part VI GR 4B. Endorsement..........................................................................................................Part VI GR 4C. Premium.................................................................................................................Part VI GR 4, Rates-42

608. Permitted Incidental Occupancies- Residence Premises And Other Residences..............Part VI GR 4A. Coverage Description.............................................................................................Part VI GR 4B. Premium.................................................................................................................Rates-43

609. Business Pursuits ................................................................................................................Part VI GR 5A. Coverage Description.............................................................................................Part VI GR 5B. Premium.................................................................................................................Rates-44C. Endorsement..........................................................................................................Part VI GR 5


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610. Personal Injury.....................................................................................................................Part VI GR 5A. Introduction ...........................................................................................................Part VI GR 5B. Premium.................................................................................................................Rates-45C. Endorsement..........................................................................................................Part VI GR 5

611. Reserved For Future Use.....................................................................................................Part VI GR 6

612. Outboard Motors And Watercraft .......................................................................................Part VI GR 6A. Introduction ...........................................................................................................Part VI GR 6B. Coverage Description.............................................................................................Part VI GR 6C. Premium.................................................................................................................Rates-47D. Endorsement..........................................................................................................Part VI GR 6

613. Owned Snowmobile..............................................................................................................Part VI GR 7A. Coverage Description.............................................................................................Part VI GR 7B. Premium.................................................................................................................Rates-48C. Endorsement..........................................................................................................Parts VI GR 7

614. Farmers Personal Liability..................................................................................................Parts VI GR 7A. Eligibility................................................................................................................Parts VI GR 7B. Endorsement..........................................................................................................Parts VI GR 7C. Premium And Rating Instructions........................................................................Rates-49

615. Incidental Farming Personal Liability................................................................................Part VI GR 8A. On The Residence Premises ..................................................................................Part VI GR 8, Rates-50B. Away From The Residence Premises....................................................................Part VI GR 8, Rates-50C. Endorsement..........................................................................................................Part VI GR 8

616. Reserved For Future Use.....................................................................................................Part VI GR 8617.-700. Reserved For Future Use.....................................................................................................Part VI GR 9

PART VII - SECTION II – LIABILITY - OTHER EXPOSURESINCREASED LIMITS RULES

701. -702. Reserved For Future Use.....................................................................................................Part VII GR 1

STATE RULES

A1. Special State Requirements ................................................................................................AR 1A. Workers’ Compensation Endorsement HO 24 93 ................................................AR 1

A2. Off-Premises Theft Exclusion-Territories 103-107, 450, 451, 464-465, 490-492,600-603, 700-701, 703-706, 800-802............................................................................AR 1, Rates-52

A3. Windstorm Protective Devices.............................................................................................AR 2A. Storm Shutters And Hurricane Resistant Laminated Glass...............................AR 2B. Qualification For Credit ........................................................................................AR 2C. Responsibility For Closing And Securing Wind-Storm Protective Devices.........AR 2D. Premium Credit Computations.............................................................................AR 2, Rates-53E. Additional Premium Credits .................................................................................AR 2, Rates-53

A4. Identity Fraud Expense Coverage.......................................................................................AR 3A. Coverage Description.............................................................................................AR 3B. Limits Of Liability .................................................................................................AR 3C. Premium Computation ..........................................................................................AR 3, Rates-54D. Endorsements ........................................................................................................AR 3

A5. Loss History Rating Plan – All Forms ................................................................................AR 4A. Introduction ...........................................................................................................AR 4B. Eligibility................................................................................................................AR 4C. Occurrence Point Table .........................................................................................AR 4, Rates-55D. Refund Of Increased Premium..............................................................................AR 4E. Administration Of Loss History Rating Plan .......................................................AR 4F. Premium Computation ..........................................................................................AR 4


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RULE NO. PAGE NO.COMPANY SPECIFIC RULES

801. Lead Liability Exclusion......................................................................................................CS 1A. Coverage Description.............................................................................................CS 1B. Premium.................................................................................................................CS 1, Rates-56C. Endorsement..........................................................................................................CS 1

802. Windstorm Wrap-Around Homeowner Endorsement ........................................................CS 1A. Coverage Description.............................................................................................CS 1B. Endorsement..........................................................................................................CS 1C. Premium.................................................................................................................Rates-57

803. Modified Loss Settlement-NYC HO 00 02 and NYC HO 00 03 Only ..............................CS 2A. Coverage Description.............................................................................................CS 2B. Premium.................................................................................................................CS 2, Rates-58C. Endorsement..........................................................................................................CS 2

804. Tier Rule...............................................................................................................................CS 3, Rates-59805. Classic Plus Protection Coverage ........................................................................................CS 4

A. Coverage Description.............................................................................................CS 4B. Premium.................................................................................................................Rates-60C. Endorsement..........................................................................................................CS 4

806. Dwelling Under Construction- Theft Coverage ..................................................................CS 4A. Coverage Description.............................................................................................CS 4B. Requirement...........................................................................................................CS 4C. Premium.................................................................................................................Rates-61D. Endorsement..........................................................................................................CS 4

807. Incidental Motorized Land Conveyances ............................................................................CS 5A. Coverage Description.............................................................................................CS 5B. Premium.................................................................................................................Rates-62C. Endorsement..........................................................................................................CS 5

808. Replacement Or Repair Cost-Dwelling ...............................................................................CS 5A. Coverage Description.............................................................................................CS 5B. Premium.................................................................................................................Rates-63C. Endorsement..........................................................................................................CS 5

809. Additional Insured Residence Premises Section II Only ...................................................CS 6, Rates-64810. Reinsurance..........................................................................................................................CS 6, Rates-65-66811. Dwelling Under Construction..............................................................................................CS 7

A. Introduction ...........................................................................................................CS 7B. Eligibility................................................................................................................CS 7C. Premium Credit .....................................................................................................CS 7D. Premium.................................................................................................................CS 7, Part III GR 1

812. Age of Insured ......................................................................................................................CS 7A. Introduction ...........................................................................................................CS 7B. Factors....................................................................................................................Rates-67

813. Coupler (Combination) Discount.........................................................................................CS 8A. Introduction ...........................................................................................................CS 8B. Factors....................................................................................................................Rates-68

814. Age of Home Discount..........................................................................................................CS 8A. Introduction ...........................................................................................................CS 8B. Factors....................................................................................................................Rates-69

815. Home Buyer Discount..........................................................................................................CS 9A. Introduction ...........................................................................................................CS 9B. Factors....................................................................................................................Rates-70

816. Renovation Discount ............................................................................................................CS 9A. Introduction ...........................................................................................................CS 9B. Factors....................................................................................................................Rates-71

817. Claim Free Discount ............................................................................................................CS 10A. Eligibility................................................................................................................CS 10B. Factors....................................................................................................................Rates-72

818. Retirement Discount (All Forms Except NYC HO 00 02, and NYC HO 00 04) ..............CS 10A. Introduction ...........................................................................................................CS 10B. Factors....................................................................................................................Rates-73


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819. Gated Community Discount ................................................................................................CS 11A. Introduction ...........................................................................................................CS 11B. Factor .....................................................................................................................Rates-74

820. Additional Location(s) With Structures Other Than A Dwelling ......................................CS 11A. Coverage Description.............................................................................................CS 11B. Premium.................................................................................................................Rates-75C. Endorsement..........................................................................................................CS 11

821. Employee Discount...............................................................................................................CS 11A. Eligibility................................................................................................................CS 12B. Factor .....................................................................................................................Rates-76

TERRITORIES

Territory Pages.....................................................................................................................Territory– 1-13

NYCM INSURANCE HOMEOWNER MANUALINDEX

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A

809. Additional Insured Residence Premises Section II Only ...................................................CS 6, Rates-64820. Additional Location(s) With Structures Other Than A Dwelling ......................................CS 11

A. Coverage Description.............................................................................................CS 11B. Premium.................................................................................................................Rates-75C. Endorsement..........................................................................................................CS 11

604. Additional Residence Rented To Others .............................................................................Part VI GR 2A. Introduction ...........................................................................................................Part VI GR 2B. Premium.................................................................................................................Rates-39C. Endorsement..........................................................................................................Part VI GR 2

814. Age of Home Discount..........................................................................................................CS 8A. Introduction ..........................................................................................................CS 8B. Factors....................................................................................................................Rates-69

812. Age of Insured ......................................................................................................................CS 7A. Introduction ...........................................................................................................CS 7B. Factors....................................................................................................................Rates-67

B

301. Base Premium Computation ...............................................................................................Part III GR 1A. All Forms................................................................................................................Part III GR 1, Rates 4-7B. Interpolation ..........................................................................................................Part III GR 1

502. Building Additions And Alterations-Increased Limit-NYC HO 00 04 .............................Part V GR 1A. Coverage C Increase ..............................................................................................Part V GR 1B. Premium Computation ..........................................................................................Rates-16C. Endorsement..........................................................................................................Part V GR 1

503. Business Property- Increased- All Forms Except NYC HO 7, NYC HO 7Pand NYC HO 10...................................................................................................................Part V GR 2

A. On-Premises...........................................................................................................Part V GR 2, Rates-17B. Off-Premises...........................................................................................................Part V GR 2C. Endorsement..........................................................................................................Part V GR 2

609. Business Pursuits ................................................................................................................Part VI GR 5A. Coverage Description.............................................................................................Part VI GR 5B. Premium.................................................................................................................Rates-44C. Endorsement..........................................................................................................Part VI GR 5

C

202. Changes Or Cancellations ...................................................................................................Part II GR 1817. Claim Free Discount ............................................................................................................CS 10

A. Eligibility................................................................................................................CS 10B. Factors....................................................................................................................Rates-72

805. Classic Plus Protection Coverage ........................................................................................CS 4A. Coverage Description.............................................................................................CS 4B. Premium.................................................................................................................Rates-60C. Endorsement..........................................................................................................CS 4

107. Construction Definitions......................................................................................................Part I GR 6A. Frame .....................................................................................................................Part I GR 6B. Masonry Veneer.....................................................................................................Part I GR 6C. Masonry..................................................................................................................Part I GR 6D. Superior Construction ...........................................................................................Part I GR 6E. Mixed (Masonry/Frame) ........................................................................................Part I GR 6

813. Coupler (Combination) Discount.........................................................................................CS 8A. Introduction ...........................................................................................................CS 8B. Factors....................................................................................................................Rates-68


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504. Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery andCounterfeit Money ...............................................................................................................Part V GR 2

A. Coverage Increase..................................................................................................Part V GR 2B. Premium.................................................................................................................Rates-18C. Endorsement..........................................................................................................Part V GR 2

D

406. Deductibles ...........................................................................................................................Part IV GR 3-4A. Base Deductible .....................................................................................................Part IV GR 3B. Optional Deductible...............................................................................................Rates-14C. Windstorm Deductible (All Forms Except NYC HO 00 04 and

NYC HO 00 06) .....................................................................................................Part IV GR 3-4, Rates-14102. Description Of Coverages ....................................................................................................Part I GR 3

A. Section I- Property- Perils Insured Against .........................................................Part I GR 3B. Section II- Liability- All Forms.............................................................................Part I GR 3

811. Dwelling Under Construction..............................................................................................CS 7A. Introduction ...........................................................................................................CS 7B. Eligibility................................................................................................................CS 7C. Premium Credit .....................................................................................................CS 7D. Premium.................................................................................................................CS 7, Part III GR 1

806. Dwelling Under Construction- Theft Coverage ..................................................................CS 4A. Coverage Description.............................................................................................CS 4B. Requirement...........................................................................................................CS 4C. Premium.................................................................................................................Rates-61D. Endorsement..........................................................................................................CS 4

E

505. Earthquake Coverage ..........................................................................................................Part V GR 3A. Earthquake Coverage ............................................................................................Part V GR 3B. Deductible ..............................................................................................................Part V GR 3C. Loss Assessment Coverage....................................................................................Part V GR 3D. Base Premium........................................................................................................Part V GR 3, Rates-19E. Premium For Higher Deductibles.........................................................................Part V GR 3F. Endorsement..........................................................................................................Part V GR 3

104. Eligibility..............................................................................................................................Part I GR 4A. All Forms Except NYC HO 00 04 and NYC HO 00 06.......................................Part I GR 4B. Form NYC HO 00 04 ............................................................................................Part I GR 4, 5C. Form NYC HO 00 06 ............................................................................................Part I GR 5D. Seasonal Dwelling..................................................................................................Part I GR 5E. Mobile Home, Trailer Home Or House Trailer.....................................................Part I GR 5F. Permitted Business Occupancies ..........................................................................Part I GR 5G. Farm Property .......................................................................................................Part I GR 5

821. Employee Discount ..............................................................................................................CS 12A. Eligibility................................................................................................................CS 12B. Factor .....................................................................................................................Rates-76

F

614. Farmers Personal Liability..................................................................................................Part VI GR 7A. Eligibility................................................................................................................Part VI GR 7B. Endorsement..........................................................................................................Part VI GR 7C. Premium And Rating Instructions........................................................................Rates-49

507. Form NYC HO 00 06 Coverage A Dwelling BasicAnd Increased Limits And Special Coverage-NYC HO 00 06...........................................Part V GR 4

A. Basic Limits ...........................................................................................................Part V GR 4B. Increased Limits ....................................................................................................Part V GR 4, Rates-21C. Special Coverage....................................................................................................Part V GR 4, Rates-21D. Endorsement..........................................................................................................Part V GR 4


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G

819. Gated Community Discount ................................................................................................CS 11A. Introduction ...........................................................................................................CS 11B. Factor .....................................................................................................................Rates-74

H

815. Home Buyer Discount..........................................................................................................CS 9A. Introduction ...........................................................................................................CS 9B. Factors....................................................................................................................Rates-70

509. Home Day Care Coverage....................................................................................................Part V GR 5A. Coverage Description.............................................................................................Part V GR 5B. Other Structures....................................................................................................Part V GR 5C. Personal Property ..................................................................................................Part V GR 5D. Premium Computation ..........................................................................................Part V GR 5, Rates-23E. Endorsement..........................................................................................................Part V GR 5

607. Home Day Care Coverage....................................................................................................Part VI GR 4A. Coverage Description.............................................................................................Part VI GR 4B. Endorsement..........................................................................................................Part VI GR 4C. Premium.................................................................................................................Part VI GR 4, Rates-42

I

A4. Identity Fraud Expense Coverage.......................................................................................AR 3A. Coverage Description.............................................................................................AR 3B. Limits Of Liability .................................................................................................AR 3C. Premium Computation ..........................................................................................AR 3, Rates-54D. Endorsements ........................................................................................................AR 3

615. Incidental Farming Personal Liability................................................................................Part VI GR 8A. On The Residence Premises ..................................................................................Part VI GR 8, Rates-50B. Away From The Residence Premises....................................................................Part VI GR 8, Rates-50C. Endorsement..........................................................................................................Part VI GR 8

807. Incidental Motorized Land Conveyances ............................................................................CS 5A. Coverage Description.............................................................................................CS 5B. Premium.................................................................................................................Rates-62C. Endorsement..........................................................................................................CS 5

405. Inflation Guard- All Forms Except NYC HO 00 04 and NYC HO 00 06 .........................Part IV GR 3A. Coverage Description.............................................................................................Part IV GR 3C. Premium Computation ..........................................................................................Part IV GR 3

100. Introduction..........................................................................................................................Part I GR 1A. About The Homeowners Manual...........................................................................Part I GR 1B. Manual Structure ..................................................................................................Part I GR 1

L

801. Lead Liability Exclusion......................................................................................................CS 1A. Coverage Description.............................................................................................CS 1B. Premium.................................................................................................................CS 1, Rates-56C. Endorsement..........................................................................................................CS 1

101. Limits Of Liability And Coverage Relationships................................................................Part I GR 2A. Limits .....................................................................................................................Part I GR 2B. All Forms................................................................................................................Part I GR 2C. Forms NYC HO 00 02, NYC HO 00 03, NYC HO 7, NYC HO 7P

and NYC HO 10 ....................................................................................................Part I GR 2D. Forms NYC HO 00 02, or NYC HO 00 03 Only..................................................Part I GR 2E. Form NYC HO 00 06 ............................................................................................Part I GR 2


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511. Loss Assessment Coverage ..................................................................................................Part V GR 6A. Residence Premises ...............................................................................................Part V GR 6, Rates-25B. Additional Locations..............................................................................................Part V GR 6, Rates-25C. Endorsement..........................................................................................................Part V GR 6

512. Loss Of Use-Increased Limit ...............................................................................................Part V GR 6, Rates-26A5. Loss History Rating Plan – All Forms ................................................................................AR 4

A. Introduction ...........................................................................................................AR 4B. Eligibility................................................................................................................AR 4C. Occurrence Point Table .........................................................................................AR 4, Rates-55D. Refund Of Increased Premium..............................................................................AR 4E. Administration Of Loss History Rating Plan .......................................................AR 4F. Premium Computation ..........................................................................................AR 4

302. Loss Settlement Options......................................................................................................Part III GR 2A. Introduction ...........................................................................................................Part III GR 2B. Coverage Description.............................................................................................Part III GR 2C. Premium Computation ..........................................................................................Rates-8D. Endorsement..........................................................................................................Part III GR 2

M

103. Mandatory Coverages ..........................................................................................................Part I GR 4203. Manual Premium Revision ..................................................................................................Part II GR 2205. Minimum Premium..............................................................................................................Part II GR 3, Rates-1803. Modified Loss Settlement-NYC HO 00 02 and NYC HO 00 03 Only ..............................CS 2

A. Coverage Description.............................................................................................CS 2B. Premium.................................................................................................................CS 2, Rates-58C. Endorsement..........................................................................................................CS 2

525. Motorized Golf Cart-Physical Loss Coverage .....................................................................Part V GR 13A. Coverage Description.............................................................................................Part V GR 13B. Eligibility................................................................................................................Part V GR 13C. Limit Of Liability...................................................................................................Part V GR 13D. Deductible ..............................................................................................................Part V GR 13E. Premium.................................................................................................................Rates-35F. Endorsement..........................................................................................................Part V GR 13

204. Multiple Company Insurance..............................................................................................Part II GR 2

N

A2. Off-Premises Theft Exclusion-Territories 103-107, 450, 451, 464-465, 490-492,600-603, 700-701, 703-706, 800-802....................................................................................AR 1, Rates-52

303. Ordinance Or Law Coverage All Forms Except NYC HO 00 04 or NYC HO 00 06........Part III GR 2A. Basic Limit .............................................................................................................Part III GR 2B. Increased Amount Of Coverage ............................................................................Part III GR 2C. Premium.................................................................................................................Rates-9D. Endorsement………………………………………………………………………………Part III GR 2

514. Other Structures ..................................................................................................................Part V GR 7A. On-Premises Structures ........................................................................................Part V GR 7, Rates-28

605. Other Structures Rented To Others- Residence Premises.................................................Part VI GR 3A. Coverage Description.............................................................................................Part VI GR 3B. Premium.................................................................................................................Rates-40C. Endorsement..........................................................................................................Part VI GR 3

612. Outboard Motors And Watercraft .......................................................................................Part VI GR 6A. Introduction ...........................................................................................................Part VI GR 6B. Coverage Description.............................................................................................Part VI GR 6C. Premium.................................................................................................................Rates-47D. Endorsement..........................................................................................................Part VI GR 6


xii 3/01/2014

RULE NO. PAGE NO.

613. Owned Snowmobile..............................................................................................................Part VI GR 7A. Coverage Description.............................................................................................Part VI GR 7B. Premium.................................................................................................................Rates-48C. Endorsement..........................................................................................................Part VI GR 7

P

510. Permitted Incidental Occupancies Residence Premises.....................................................Part V GR 5A. Coverage Description.............................................................................................Part V GR 5B. Permitted Incidental Occupancies ........................................................................Part V GR 5C. Other Structures....................................................................................................Part V GR 5D. Personal Property ..................................................................................................Part V GR 5E. Premium Computation ..........................................................................................Part V GR 5, Rates-24F. Endorsement..........................................................................................................Part V GR 5

608. Permitted Incidental Occupancies- Residence Premises And Other Residences..............Part VI GR 4A. Coverage Description.............................................................................................Part VI GR 4B. Premium.................................................................................................................Rates-43

610. Personal Injury.....................................................................................................................Part VI GR 5A. Introduction ...........................................................................................................Part VI GR 5B. Premium.................................................................................................................Rates-45C. Endorsement..........................................................................................................Part VI GR 5

515. Personal Property ................................................................................................................Part V GR 8A. Increased Limit- NYC HO 00 02, NYC HO 00 03, NYC HO 7

and NYC HO 7P...................................................................................................Part V GR 8, Rates-29B. Reduction In Limit- NYC HO 00 02 or NYC HO 00 03......................................Part V GR 8, Rates-29C. Increased Special Limits Of Liability NYC HO 00 02, NYC HO 00 03,

NYC HO 7, NYC HO 7P, and NYC HO 10.........................................................Part V GR 8, Rates-29D. Endorsement..........................................................................................................Part V GR 8

403. Personal Property (Coverage C) Replacement Cost Loss Settlement ...............................Part IV GR 2A. Introduction ...........................................................................................................Part IV GR 2B. Loss Settlement Option-All Forms Except NYC HO 7, NYC HO 7P

and NYC HO 10 ....................................................................................................Part IV GR 2C. Endorsement..........................................................................................................Part IV GR 2D. Premium Determination .......................................................................................Rates-12

516. Personal Property Scheduled ..............................................................................................Part V GR 8A. Coverage Description.............................................................................................Part V GR 8B. Endorsement..........................................................................................................Part V GR 8

201. Policy Period.........................................................................................................................Part II GR 1106. Protection Classification Information .................................................................................Part I GR 6404. Protective Devices ................................................................................................................Part IV GR 2

B. Protection Devices Factors ....................................................................................Rates-13C. Endorsement..........................................................................................................Part IV GR 2

R

810. Reinsurance..........................................................................................................................CS 6, Rates-65-66816. Renovation Discount ............................................................................................................CS 9

A. Introduction ...........................................................................................................CS 9B. Factors....................................................................................................................Rates-71

517. Rental To Others- Extended Theft Coverage......................................................................Part V GR 9A. Coverage Description.............................................................................................Part V GR 9B. Premium.................................................................................................................Rates-31C. Endorsement..........................................................................................................Part V GR 9

808. Replacement Or Repair Cost-Dwelling ...............................................................................CS 5A. Coverage Description.............................................................................................CS 5B. Premium.................................................................................................................Rates-63C. Endorsement..........................................................................................................CS 5


xiii 3/01/2014

RULE NO. PAGE NO.

110. -200. Reserved For Future Use.....................................................................................................Part I GR 8210. Reserved For Future Use.....................................................................................................Part II GR 5211. Reserved For Future Use.....................................................................................................Part II GR 6212. -300. Reserved For Future Use.....................................................................................................Part II GR 6304. Reserved For Future Use.....................................................................................................Part III GR 3305. -400. Reserved For Future Use.....................................................................................................Part III GR 3407. Reserved For Future Use.....................................................................................................Part IV GR 5408. Reserved For Future Use.....................................................................................................Part IV GR 5409. Reserved For Future Use.....................................................................................................Part IV GR 6410. Reserved For Future Use.....................................................................................................Part IV GR 6411. -500. Reserved For Future Use.....................................................................................................Part IV GR 7501. Reserved For Future Use.....................................................................................................Part V GR 1506. Reserved For Future Use.....................................................................................................Part V GR 3508. Reserved For Future Use.....................................................................................................Part V GR 4513. Reserved For Future Use.....................................................................................................Part V GR 7518. Reserved For Future Use.....................................................................................................Part V GR 9519. Reserved For Future Use.....................................................................................................Part V GR 10520. Reserved For Future Use.....................................................................................................Part V GR 10522. Reserved For Future Use.....................................................................................................Part V GR 11523. Reserved For Future Use.....................................................................................................Part V GR 12524. Reserved For Future Use.....................................................................................................Part V GR 12526. Reserved For Future Use.....................................................................................................Part V GR 13527. Reserved For Future Use.....................................................................................................Part V GR 14528. Reserved For Future Use.....................................................................................................Part V GR 14529. Reserved For Future Use.....................................................................................................Part V GR 15530. -600. Reserved For Future Use.....................................................................................................Part V GR 15602. Reserved For Future Use.....................................................................................................Part VI GR 1603. Reserved For Future Use.....................................................................................................Part VI GR 2606. Reserved For Future Use.....................................................................................................Part VI GR 3611. Reserved For Future Use.....................................................................................................Part VI GR 6616. Reserved For Future Use.....................................................................................................Part VI GR 8617.-700. Reserved For Future Use.....................................................................................................Part VI GR 9701. -702. Reserved For Future Use.....................................................................................................Part VII GR 1601. Residence Premises- Basic And Increased Limits/Other Exposures-Basic Limits ...........Part VI GR 1

A. Residence Premises ...............................................................................................Part VI GR 1, Rates-37B. Other Exposures ....................................................................................................Part VI GR 1

209. Restrictions Of Individual Policies......................................................................................Part II GR 5818. Retirement Discount (All Forms Except NYC HO 00 02, and NYC HO 00 04) ..............CS 10

A. Introduction ...........................................................................................................CS 10B. Factors....................................................................................................................Rates-73

S

108. Seasonal Dwelling Definition ..............................................................................................Part I GR 7105. Secondary Residence Premises............................................................................................Part I GR 5109. Single and Separate Buildings Definition ..........................................................................Part I GR 7

A. Single Building ......................................................................................................Part I GR 7B. Separate Building ..................................................................................................Part I GR 7

A1. Special State Requirements ................................................................................................AR 1A. Workers’ Compensation Endorsement HO 24 93 ................................................AR 1

401. Superior Construction..........................................................................................................Part IV GR 1

T

804. Tier Rule...............................................................................................................................CS 3, Rates-59402. Townhouse Or Row House- All Forms Except NYC HO 00 04 and NYC HO 00 06 .......Part IV GR 1, Rates-11206. Transfer Or Assignment ......................................................................................................Part II GR 3


xiv 3/01/2014

RULE NO. PAGE NO.

W

207. Waiver Of Premium .............................................................................................................Part II GR 4, Rates-2521. Water Back Up And Sump Discharge Or Overflow............................................................Part V GR 11

A. Coverage Description.............................................................................................Part V GR 11B. Coverage Option ....................................................................................................Part V GR 11C. Premium.................................................................................................................Rates-33D. Endorsement..........................................................................................................Part V GR 11

208. Whole Dollar Premium Rule................................................................................................Part II GR 4A3. Windstorm Protective Devices.............................................................................................AR 2

A. Storm Shutters And Hurricane Resistant Laminated Glass...............................AR 2B. Qualification For Credit ........................................................................................AR 2C. Responsibility For Closing And Securing Wind-Storm Protective Devices.........AR 2D. Premium Credit Computations.............................................................................AR 2, Rates-53E. Additional Premium Credits .................................................................................AR 2, Rates-53

802. Windstorm Wrap-Around Homeowner Endorsement ........................................................CS 1A. Coverage Description.............................................................................................CS 1B. Endorsement..........................................................................................................CS 1C. Premium.................................................................................................................Rates-57

PART I

COVERAGE AND DEFINITION TYPE RULES

NYCM INSURANCE HOMEOWNER MANUAL GENERAL RULES

Part I GR 1 2/15/2012

RULE 100. INTRODUCTION

A. About The Homeowners Manual

The Homeowners Policy Program provides property and liability coverages, using the forms and endorsements specified in this Manual. This Manual contains the rules and classifications governing the writing of the Homeowners Policy. The rules, rates, forms and endorsements of the company for each coverage shall govern in all cases not specifically provided for in this Manual.

B. Manual Structure

1. Contents

The Manual is divided into sections; Multistate General Rules, State Rules and Company Specific Rules and Rates.

2. General Rules

These rules are grouped into the following categories:

a. Part I – Coverage And Definition Type Rules,

b. Part II – Servicing Type Rules,

c. Part III – Base Premium Computation Rules,

d. Part IV – Adjusted Base Premium Computation Rules,

e. Part V – Section I – Property – Additional Coverages And Increased Limits Rules,

f. Part VI – Section II – Liability – Additional Coverages And Increased Limits Rules, and

g. Part VII – Section II – Liability – Other Exposures Increased Limits Rules.

3. State Rules

These rules are grouped into the following categories:

a. Exceptions and Additional Rules,

b. Special State Requirements.

4. Company Specific Rules

a. Additional Rules,

b. Additional Credits.

5. Rates

a. Rates, Charges and Credits,

b. Territory Definitions.

6. Form References

The Manual refers to Forms NYC HO 00 02, NYC HO 00 03, NYC HO 00 04, NYC HO 00 06, NYC HO 7, NYC HO 7P and NYC HO 10. These Form references are identified as follows:

a. Homeowners 2 Basic Protection Policy Form NYC HO 00 02,

b. Homeowners 3 Classic Protection Policy Form NYC HO 00 03,

c. Homeowners 4 Contents Broad Form NYC HO 00 04,

RULE 100. INTRODUCTION (CONT’D)

d. Homeowners 6 Unit-Owners Form NYC HO 00 06,

e. Homeowners 7 Premier Protection Policy Form NYC HO 7,

f. Homeowners 7P Premier Plus Protection Policy Form NYC HO 7P, and

g. Homeowners 10 Premier Plus High Value Protection Policy Form NYC HO 10.


Part I GR 2 2/15/2012

RULE 101. LIMITS OF LIABILITY AND COVERAGE RELATIONSHIPS

A. Limits

The limits of liability required under the Homeowners policy are as follows:

1. Section I - Property Damage

Coverage A – Dwelling NYC HO 00 02, NYC HO 00 03 NYC HO 7, NYC HO 7P or NYC HO 10 NYC HO 00 04 or NYC HO 00 06

Refer to Rule 301. For NYC HO 00 06 refer to Rule 507.A.

Coverage B – Other Structures NYC HO 00 02, NYC HO 00 03 NYC HO 7 NYC HO 7P NYC HO 10

10% of A 20% of A 25% of A 30% of A

Coverage C – Personal Property NYC HO 00 02, NYC HO 00 03 NYC HO 7 NYC HO 7P NYC HO 10 NYC HO 00 04 or NYC HO 00 06

50% of A 70% of A 80% of A 100% of A Refer to Rule 301.

Coverage D – Loss of Use NYC HO 00 02, NYC HO 00 03, NYC HO 7 or NYC HO 7P NYC HO 10 NYC HO 00 04 NYC HO 00 06

30% of A 30% of A 40% of A 30% of C 50% of C

Table 101.A.1. Property Damage Limits

2. Section II - Liability (All Forms)

Coverage E – Personal Liability And Coverage F – Medical Payments*

Coverage E - Personal Liability - $100,000 Coverage F - Medical Payments to Others - $1,000 *Unless otherwise stated, Coverage E limits apply on an “occurrence” basis; Coverage F limits apply on an “each person” basis. Table 101.A.2. Liability Limits

B. All Forms

The limit of liability for Coverages C or D of Section I and E or F of Section II may be increased.

C. Forms NYC HO 00 02, NYC HO 00 03, NYC HO 7, NYC HO 7P or NYC HO 10

Under Coverage B of Section I, an additional amount of insurance may be written on a specific structure.

D. Forms NYC HO 00 02 or NYC HO 00 03 Only

Under Coverage C of Section I, it is permissible to reduce the limit of liability to an amount not less than 40% of the limit of a one or two family dwelling.

E. Form NYC HO 00 06

The limit of liability for Coverage A of Section I may be increased.


Part I GR 3 2/15/2012

RULE 102. DESCRIPTION OF COVERAGES

The following is a general description of the coverages provided by the individual Homeowners Policy forms. The policy should be consulted for exact contract conditions.

A. Section I – Property – Perils Insured Against

Perils Insured Against

Perils NYC HO 00 02 NYC HO 00 03

NYC HO 00 04 And

NYC HO 00 06

NYC HO 7, NYC HO 7P

And NYC HO 10

Fire or Lightning Yes Yes Cov. C

Yes Yes

Windstorm or Hail, Explosion, Riot or civil commotion, Aircraft, Vehicles or Smoke

Yes Yes Cov. C

Yes Yes

Vandalism or malicious mischief Yes Yes Cov. C

Yes Yes

Theft Yes Yes Cov. C

Yes Yes

Volcanic eruption Yes Yes Cov. C

Yes Yes

Falling objects, Weight of ice, snow or sleet, Accidental discharge of water or steam, Sudden and accidental tearing apart of a heating system or appliance, Freezing, Sudden accidental damage from electrical current.

Yes Yes Cov. C

Yes Yes

Additional risks with certain exceptions (Special Coverage)

No Yes Cov. A, B and D

No Yes Cov. A, B, C and D

Table 102.A. Perils Insured Against

B. Section II – Liability – All Forms

1. Coverage E – Personal Liability

Covers payment on behalf of any insured for 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.

2. 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.


Part I GR 4 2/15/2012

RULE 103. MANDATORY COVERAGES

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

RULE 104. ELIGIBILITY

A. All Forms Except NYC HO 00 04 And NYC HO 00 06

A Homeowners Policy may be issued:

1. To the owner-occupant(s) of a 1 or 2 family dwelling which is used exclusively for private residential purposes (except as provided in Paragraph F.). A 1 family dwelling may not be occupied by more than one additional family or two roomers or boarders. In a 2 family dwelling, an individual family unit may not be occupied by more than two families or one family with two roomers or boarders; or

2. To the purchaser-occupant(s) who has entered into a long term installment contract for the purchase of the dwelling and who occupies the dwelling but to whom title does not pass from the seller until all the terms of the installment contract have been satisfied. The seller retains title until completion of the payments and in no way acts as a mortgagee. The seller’s interest in the building and premises liability may be covered using Additional Insured Endorsement – HO 04 41; or

3. To the occupant of a dwelling under a life estate arrangement when the Coverage A amount is at least 80% of the dwelling's replacement cost. The owner's interest in the building and premises liability may be covered using Additional Insured Endorsement HO 04 41; or

4. To cover dwellings in the course of construction provided the policy is issued only in the name of the intended owner-occupant(s) of the dwelling.

5. When a 2 family dwelling is occupied by co-owners, each occupying distinct living quarters with separate entrances. Given these circumstances, a Homeowners Policy providing building coverage may be issued to only one of the co-owner occupants of the dwelling. The policy may be endorsed to cover the interest of the other co-owner(s) in the building and for premises liability. Use Additional Insured Endorsement HO 04 41. A separate Homeowners Policy NYC HO 00 04 may be issued to the co-owner(s) occupying the other apartment(s) in the dwelling.

It is permissible to extend the Homeowners Policy, without additional premium charge, to cover the interest of a non-occupant joint owner in the building and for premises liability. Use Additional Insured Endorsement HO 04 41.

B. Form NYC HO 00 04

A Homeowners Policy may be issued to:

1. The tenant(s) (non-owner) of a dwelling or an apartment situated in any building; or


Part I GR 5 2/15/2012

RULE 104. ELIGIBILITY (CONT’D)

2. The owner-occupant(s) of a dwelling, cooperative unit or of a building containing an apartment not otherwise eligible for a Homeowners Policy under Paragraph A.

provided the residence premises occupied by the insured is used exclusively for residential purposes (except as provided in Paragraph F.). The dwelling or apartment unit may not be occupied by more than one additional family or two boarders or roomers.

C. Form NYC HO 00 06

A Homeowners Policy may be issued to the owner(s) of a condominium or cooperative unit which is used exclusively for residential purposes (except as provided in Paragraph F.). The unit may not be occupied by more than one additional family or two boarders or roomers.

D. Seasonal Dwelling

Subject to all other sections of this rule, a Homeowners Policy may be issued to cover a seasonal dwelling.

E. Mobile Home, Trailer Home Or House Trailer

A Homeowners Policy:

1. Shall not be issued to cover such structures under Coverage A – Dwelling, but

2. May be issued to cover personal property in such structures as noted in Paragraph B.

F. Permitted Business Occupancies

Certain business occupancies are permitted, provided:

1. The premises is occupied principally for private residential purposes, and

2. There is no other business occupancy on the premises.

When the business is conducted on the residence premises, refer to Rules 509. and 510. for Section I Coverage and Rules 607. and 608. for Section II Coverage. When it is conducted from an Other Residence, only Section II Coverage is available. Refer to Rules 607. and 608.

G. Farm Property

A Homeowners Policy shall not be issued to cover any property to which farm forms or rates apply under the rules of the company, except as noted in the following:

Section II – Liability Coverage

Certain farm liability exposures may be covered. Refer to Rule 614. and 615.

RULE 105. SECONDARY RESIDENCE PREMISES

A. Homeowners coverage on a secondary residence premises shall be provided under a separate policy.


Part I GR 6 2/15/2012

RULE 106. PROTECTION CLASSIFICATION INFORMATION

The Protection Class listings in the Public Protection Classification Manual apply to risks insured under Homeowners Program policies.

A. The protection class indicated applies in a municipality or classified area where a single class of fire protection is available throughout (8, 7, 6, etc.).

B. In a classified area where two or more classifica-tions are shown (for example, 6/9), the classification is determined as follows:

Distance To Fire Station Class

1. 5 road miles or less with hydrant within1,000 feet *

2. 5 road miles or less with hydrant beyond1,000 feet

9

3. Over 5 road miles 10

* First protection class (for example, 6/9 ... use Class 6) Table 106.B. Two Or More Classifications

C. All other properties are Class 10.

RULE 107. CONSTRUCTION DEFINITIONS

A. Frame

Exterior wall of wood or other combustible construction, including wood iron-clad, stucco on wood or plaster on combustible supports, or aluminum or plastic siding over frame.

B. Masonry Veneer

Exterior walls of combustible construction veneered with brick or stone. Rate as Masonry.

C. 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 (Disregarding floors resting directly on the ground).

D. Superior Construction

1. Non-Combustible

Exterior walls and floors and roof constructed of, and supported by metal, asbestos, gypsum, or other non-combustible materials.

2. Masonry Non-Combustible

Exterior walls constructed of masonry materials (as described in Paragraph C.) and floors and roof of metal or other non-combustible materials.

3. Fire Resistive

Exterior walls and floors and roof constructed of masonry or other fire resistive materials.

E. Mixed (Masonry/Frame)

A combination of both frame and masonry construction shall be classed as frame when the exterior walls of frame construction (including gables) exceed 33 1/3% of the total exterior wall area; otherwise class as masonry.


Part I GR 7 2/15/2012

RULE 108. SEASONAL DWELLING DEFINITION

A seasonal dwelling is a dwelling with continuous unoccupancy of three or more consecutive months during any one year period.

RULE 109. SINGLE AND SEPARATE BUILDINGS DEFINITION

A. Single Building

All buildings or sections of buildings which are accessible through unprotected openings shall be considered as a single building.

B. Separate Building

1. Buildings which are separated by space shall be considered separate buildings.

2. Buildings or sections of buildings which are separated by:

a. A 6 inch reinforced concrete or an 8 inch masonry party wall; or

b. A documented minimum two hour non-combustible wall which has been laboratory tested for independent structural integrity under fire conditions;

which pierces or rises to the underside of the roof and which pierces or extends to the innerside of the exterior wall shall be considered separate buildings. Accessibility between buildings with independent walls or through masonry, party walls as described shall be protected by at least a Class A Fire Door installed in a masonry wall section.


Part I GR 8 2/15/2012

RULES 110. – 200. RESERVED FOR FUTURE USE

PART II

SERVICING TYPE RULES


Part II GR 1 2/15/2012

RULE 201. POLICY PERIOD

The policy may be written for a period of:

A. One year and may be extended for successive pol-icy periods by renewal based upon the premiums, forms and endorsements then in effect for the company.

RULE 202. CHANGES OR CANCELLATIONS

A. It shall not be permissible to cancel any of the mandatory coverages in the policy unless the entire policy is cancelled.

B. If insurance is increased, cancelled or reduced, the additional or return premium shall be computed on a pro rata basis, subject to the minimum premium requirement.


Part II GR 2 2/15/2012

RULE 203. MANUAL PREMIUM REVISION

A manual premium revision shall be made in accor-dance with the following procedures:

A. The effective date of such revision shall be as an-nounced.

B. The revision shall apply to any policy or endorse-ment in the manner outlined in the announcement of the revision.

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

RULE 204. MULTIPLE COMPANY INSURANCE

Credit for existing insurance with another company is not permitted.


Part II GR 3 2/15/2012

RULE 205. MINIMUM PREMIUM

A. The minimum premium may include all chargeable endorsements or coverages if written at inception of the policy.

B. See Rates Section.

RULE 206. TRANSFER OR ASSIGNMENT

Subject to the consent of the company, all the rules of this Manual and any necessary adjustment of premium, a policy may be endorsed to effect:

A. Transfer to another location within the same state; or

B. Assignment from one insured to another in the event of transfer of title of the dwelling.


Part II GR 4 2/15/2012

RULE 207. WAIVER OF PREMIUM

A. When a policy is endorsed after the inception date, an amount of additional or return premium may be waived.


RULE 208. WHOLE DOLLAR PREMIUM RULE

All charged premiums shown on the policy and endorsements shall be rounded to the nearest whole dollar. A premium of fifty cents ($.50) or more shall be rounded to the next higher whole dollar.

In the event of cancellation by the company, the return premium may be carried to the next higher whole dollar.


Part II GR 5 2/15/2012

RULE 209. RESTRICTIONS OF INDIVIDUAL POLICIES

If a policy would not be issued because of unusual circumstances or exposures, the named insured may request a restriction of the policy provided no reduction in the premium is allowed. Such requests shall be referred to the company.

RULE 210. RESERVED FOR FUTURE USE


Part II GR 6 2/15/2012



PART III

BASE PREMIUM COMPUTATION RULES


Part III GR 1 2/15/2012

RULE 301. BASE PREMIUM COMPUTATION

A. All Forms

1. Select the appropriate Form Factor from the Form Factor Table; multiply the Base Rate from the Base Rate Table by the Form Factor.

2. Forms NYC HO 00 02, NYC HO 00 03, NYC HO 7, NYC HO 7P and NYC HO 10

a. Select the desired limit of liability for Coverage A from the Coverage A Table. If the limit of liability is not shown on the tables, interpolate as illustrated in Paragraph B. of this rule. Multiply this factor by the result from A.1.

3. Forms NYC HO 00 04 and NYC HO 00 06

a. Select the desired limit of liability for Coverage C from the Coverage C Table. Multiply this factor by the result from A.1.

4. Select the factor for the qualified Tier, from Rule 804. Tier Table; multiply this factor to result from A.2. or A.3., which ever is applicable.

5. From the Territory Rating Table multiply the applicable territory factor to result from A.4.

6. When Off Premises Theft Exclusion is purchased, multiply the factor from Rule A2. Off Premises Theft Coverage Territory Rating Table to results from A.5.

7. Select the factor for the applicable Deductible from Rule 406.B. Base Deductible Table; multiply to results from A.6. If credit is above Maximum Premium Credit allowed, use Maximum Premium Credit in place of factor.

8. When Mandatory Catastrophe Percentage Windstorm Deductible is applicable multiply the applicable factor from Rule 406.C.2. Mandatory Catastrophe Windstorm Factor Table to results of A.7.

9. When Windstorm Protective Devices is applicable; multiply the applicable Factor from Rule A3. Windstorm Protective Devices Rate Table to results of A.8.

10. When Windstorm Wrap-Around is applicable multiply the factor from Rule 802. Windstorm Wrap-Around Rate to results of A.9.

11. Select the applicable factor from the Construction Type Table; multiply the factor to results from A.10. (See Rule 107. for Construction Definition).

12. When Town/Rowhouse is applicable multiply the applicable factor from Rule 402. Town/Rowhouse Factor Table to results from A.11.

13. Select applicable factor from the Protection Class table; multiply to result from A.12.

14. Select applicable factor from the Miles to Fire Department table; multiply to result from A.13.

15. For Forms NYC HO 00 02, NYC HO 00 03, NYC HO 7, NYC HO 7P and NYC HO 10

a. Select the applicable factor from the Number of Families table; multiply to results from A.14.

RULE 301. BASE PREMIUM COMPUTATION (CONT’D)

16. When applicable, select the appropriate Occurrence Point Factor from Rule A5. Loss History Rating Plan – All Forms Factor Table. Multiply the factor to results from A.14. for Forms NYC HO 00 04 and NYC HO 00 06, or A.15. for all other base forms.

17. Select the applicable factor from Insured Age Table, Rule 812. Multiply the factor to results from A.16. to arrive at the base rate.

B. INTERPOLATION (desired limit is lower than highest limit in table)

1. When the desired limit of liability is less than the highest limit shown, interpolate the Coverage A. factors using the nearest limit above and below the desired limit, for example:

a. $203,000 desired limit; the nearest limits are $200,000 and $205,000.

b. For $200,000 the Coverage A Factor is 2.837; for $205,000 the Coverage A Factor is 2.937. Figure the difference between the two Factors and divide by 5. This provides a factor per $1,000.

2.937 - 2.837 .100 ÷ 5 = .02

c. Multiply the factor per $1,000 times 3,

and add 2.837; the Coverage A factor for $200,000.

.02 x 3 .06 + 2.837 = 2.897

d. The result, 2.897, is the Coverage A Factor for this example.

2. The factors shown in the above interpolation example are for illustration only and are not necessarily the factors shown in the Coverage A Table of this Manual.


Part III GR 2 2/15/2012

RULE 302. LOSS SETTLEMENT OPTIONS

Actual Cash Value Loss Settlement – NYC HO 00 02 and NYC HO 00 03 Only

A. Introduction

The policy provides building loss settlement on a replacement cost basis if, at the time of loss, the amount of insurance on the damaged building represents at least 80% of the full replacement cost of the building immediately before the loss.

B. Coverage Description

The policy may be endorsed to provide building loss settlement exclusively on an actual cash value basis if, on the inception date of the policy, the Coverage A limit of liability selected by the insured is less than 80% of the full replacement cost of the dwelling.

C. Premium Computation

See Rates Section.

D. Endorsement

Use Actual Cash Value Loss Settlement Endorsement HO 04 81.

RULE 303. ORDINANCE OR LAW COVERAGE ALL FORMS EXCEPT NYC HO 00 04 OR NYC HO 00 06.

A. Basic Limit

The policy automatically provides a percentage of the Coverage A limit of liability to pay for the increased costs necessary to comply with the enforcement of an ordinance or law.

B. Increased Amount of Coverage

1. Description

The policy may be endorsed to increase the basic Ordinance or Law Coverage amount, as noted in Paragraph 2. to accommodate the increased costs known or estimated by the insured for materials and labor to repair or replace the damaged property and to demolish the undamaged portion of damaged property and clear the site of resulting debris according to the ordinance or law.

2. Additional $20,000 coverage.

C. Premium

See Rates Section.

D. Endorsement

Use Ordinance or Law Coverage Endorsement – NYC HO 277.


Part III GR 3 2/15/2012



PART IV

ADJUSTED BASE PREMIUM COMPUTATION RULES


Part IV GR 1 2/15/2012

RULE 401. SUPERIOR CONSTRUCTION

A. To develop the premium for a dwelling or apartment unit in a building of superior construction see Rule 301.

RULE 402. TOWNHOUSE OR ROW HOUSE – ALL FORMS EXCEPT NYC HO 00 04 And NYC HO 00 06

A. The premium for an eligible 1 or 2 family dwelling in a town or row house structure is computed by multiplying the appropriate factor.



Part IV GR 2 2/15/2012

RULE 403. PERSONAL PROPERTY (COVERAGE C) REPLACEMENT COST LOSS SETTLEMENT

A. Introduction

The policy provides loss settlement on an Actual Cash Value basis for certain types of property.

B. Loss Settlement Option – All Forms except NYC HO 7, NYC HO 7P and NYC HO 10

The policy may be endorsed to provide loss settlement on a Replacement Cost basis for such property.

C. Endorsement

Use Personal Property Replacement Cost Endorsement HO 04 90.

D. Premium Determination

See Rates Section.

RULE 404. PROTECTIVE DEVICES

A. Approved and properly maintained installations of burglar alarms, fire alarms, automatic sprinklers, water alert systems, temperature alert systems, portable or automatic generators, dead bolts and fire extinguishers in the dwelling may be recognized for a premium credit.

B. Protective Devices Factors

See Rates Section.

C. Endorsement

Use the Protective Device Credits Endorsement NYC HO 04 16.


Part IV GR 3 2/15/2012

RULE 405. INFLATION GUARD – ALL FORMS EXCEPT NYC HO 00 04 AND NYC HO 00 06

A. Coverage Description

To provide automatic annual increases of the Section I Limits of Liability.

B. Amount of annual increase will be based on factors provided by Xactware.


No Charge.

RULE 406. DEDUCTIBLES

All policies are subject to a deductible that applies to loss from all Section I Perils, except Earthquake. A separate deductible provision applies to Earthquake Coverage as described in Rule 505.

A. Base Deductible

$500 Deductible.

B. Optional Deductibles

The homeowner policy may be revised to include any of the following deductibles:

1. See Rates Section.

2. To compute the deductible credit/charge, apply the deductible factor to the premium after the Off-Premises Theft factor.

C. Windstorm Deductibles (All Forms Except NYC HO 00 04 And NYC HO 00 06)

The following deductible options are used in conjunction with the deductible applicable to All Other Section I Perils.

1. Catastrophe Deductible

a. A Catastrophe deductible is applicable only in territories 103-107, 490-492, 600-603, 700-701, 703-706, and 800-802. The Catastrophe Windstorm deductible is subject to:

(1) A higher percentage amount that applies to Windstorm loss that occurs within a period of 12 hours before or 12 hours after the storm which caused the loss makes landfall anywhere in New York State as a declared Category 2, 3, 4 or 5 hurricane.

“Declared” means declared by the National Weather Service.

(2) A lower deductible amount if the circumstances described in Paragraph a.(1) do not apply. This deductible amount is the same deductible that applies to the peril of fire.

Any windstorm loss payable under Coverage D – Loss of Use may be subject to a lower deductible amount. Refer to Paragraph C.2.a. for the deductible provisions applicable to Coverage D.

Optional Deductible

$100 $250 $750

$1,000 $1,500 $2,500 $5,000 $10,000 $25,000


Part IV GR 4 2/15/2012

RULE 406. DEDUCTIBLES (CONT’D)

The higher deductible is activated only when the National Weather Service declares that a Category 2, 3, 4 or 5 storm has made landfall in New York State.

A Category 2 storm is categorized in the Saffir/Simpson Hurricane Scale as a storm that originates in the tropics which either attains a sustained wind speed of at least 96 miles per hour (mph) or results in a storm surge of at least 6 feet above normal, whether or not wind speed of 96 mph is attained. Category 3, 4 and 5 storms have greater associated wind speeds and storm surges as follows:

Category Minimum Speed Surge

3

4

5

111 MPH

131 MPH

Greater than 155 MPH

9-12 Feet

13-18 Feet

Greater than 18 Feet

Table 406.C.1.a.(2) Catastrophe Deductibles

2. Mandatory Catastrophe Percentage Windstorm Deductible

Risks written in Nassau county, the 5 boroughs (Kings, Queens, Richmond, Bronx, New York) and within 1500 feet of the shore in Westchester county must have a minimum Catastrophe Windstorm deductible of 3%. Risks in Suffolk county must have a minimum Catastrophe Windstorm deductible of 5%.

a. This option provides deductible amounts of 1%, 2%, 3%, 4%, 5% or 10% of the Coverage A limit. The 10% option is only available when the Coverage A limit is $500,000 or more.

These deductible amounts apply to Windstorm loss for all Section I Property Coverages, except Coverage D – Loss Of Use, if a hurricane as described in C.1.a.(1) makes landfall anywhere in New York State. A separate, lower deductible amount, declared in the endorsement, applies to Windstorm loss if the circumstances described above do not apply. This deductible amount is the same deductible that applies to the peril of fire.

These deductible amounts do not apply to Coverage D – Loss of Use. Instead, if the amount actually deducted from a loss is:

(1) The same or more than the deductible amount that applies to the peril of fire; then no deductible will apply to the Coverage D loss; or

(2) Less than the deductible amount that applies to the peril of fire, then the deductible amount that applies to the Coverage D loss will be the difference between these two deductible amounts.

RULE 406. DEDUCTIBLES (CONT’D)

b. These percentage options are available when the resulting dollar amount exceeds the lower deductible amount declared in the endorsement.

c. Attach Windstorm Deductible – New York Catastrophe Percentage And Non-Catastrophe Fixed Dollar Endorsement NYC HO 03 20, and declare the applicable percentage amount on the endorsement, or elsewhere in the policy.

d. These deductible amounts may also be entered on the policy declarations. For Example:

Deductible - Section I $250 except Windstorm: Windstorm, 1% of the Coverage A limit and $250 (See Endorsement NYC HO 03 20 for deductible provisions).

e. How the Deductible Applies In Event of Loss (1% of Coverage A and $250 Amounts).

(1) Type of Windstorm – Category 3 Hurricane

Cov. Limit Of Liability

1% Ded.

Amount Of Loss

Before Ded.

After Ded.

A B C

D

$100,000 10,000 50,000

20,000

$1,000

250

$7,500 1,350 3,000

- - -

$11,850 660

$10,850 410

$12,510 $11,260 Table 406. Deductibles

(2) Type of Windstorm – Northeaster

Total Of The Loss Deductible Amount Loss Payment

$12,510 - 250 $12,260

Table 406.C.2.(e)(2) Deductibles

(3) See Rates Section for factors.

(4) To compute the Windstorm/ Catastrophe Deductible apply the Windstorm Factor after the Base Deductible Factor.


Part IV GR 5 2/15/2012




Part IV GR 6 2/15/2012




Part IV GR 7 2/15/2012


PART V

SECTION I – PROPERTY – ADDITIONAL COVERAGES AND INCREASED LIMITS RULES


Part V GR 1 2/15/2012


RULE 502. BUILDING ADDITIONS AND ALTERATIONS – INCREASED LIMIT – NYC HO 00 04

A. Coverage C Increase

The limit of liability of 10% of Coverage C may be increased.

B. Premium Computation

See Rates Section.

C. Endorsement

Use Building Additions And Alterations Increased Limit Form NYC HO 00 04 Endorsement NYC HO 04 51.


Part V GR 2 2/15/2012

RULE 503. BUSINESS PROPERTY – INCREASED – ALL FORMS EXCEPT NYC HO 7, NYC HO 7P AND NYC HO 10.

A. On-Premises

1. The $2,500 limit of liability for business property on the residence premises may be increased to $10,000 in increments of $2,500.

2. See Rates Section for each $2,500 increase.

3. The limit of liability in excess of $2,500 does not apply to:

a. Business property in storage or held as a sample or for sale or delivery after sale.

b. Business property pertaining to a business actually conducted on the residence premises.

4. The Property described in Paragraphs 3.a. and 3.b. are covered under the following optional endorsements:

a. Permitted Incidental Occupancies; or

b. Home Day Care.

B. Off-Premises

When the on-premises limit is increased, the off-premises limit of $500 is automatically increased, at no additional charge, to an amount that is 20 percent of the total on-premises limit of liability.

C. Endorsement

Use Increased Limits On Business Property Endorsement HO 04 12.

RULE 504. CREDIT CARD, ELECTRONIC FUND TRANSFER CARD OR ACCESS DEVICE, FORGERY AND COUNTERFEIT MONEY

A. Coverage Increase

The limit of $1,000 may be increased. An additional rate is to be charged.

B. Premium

See Rates Section.

C. Endorsement

Use Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money Coverage Increased Limit Endorsement HO 04 53.


Part V GR 3 2/15/2012

RULE 505. EARTHQUAKE COVERAGE

A. Earthquake Coverage

The policy may be endorsed to provide coverage against a loss resulting from the peril of Earthquake. This peril shall apply to all Section I Coverages for the same limits provided in the policy.

B. Deductible

The base deductible is 2% of the limit of liability for either Coverage A or C, whichever is greater and is subject to a $250 minimum. This deductible may be increased for a premium credit.

In the event of an Earthquake loss to covered property, the dollar amount is deducted from the total of the loss for Coverages A, B, and C.

C. Loss Assessment Coverage

The policy may also be endorsed to cover loss assessment resulting from loss by this peril. The limit of liability shall be based on the insured’s proportionate interest in the total value of all collectively owned buildings and structures of the corporation or association of property owners. Refer to Rates Section Rule 511. for rates. Use Loss Assessment Coverage For Earthquake HO 04 36 for all forms.

D. Base Premium

Develop the base premium as follows:

1. From the Rates Section:

a. Determine if Rate Table A, B, and/or C applies.

b. Determine the Earthquake Zone.

c. Select the rate according to construction type from the Rate Table; and

2. Multiply the rate determined above by the:

a. Coverage A limit for Forms NYC HO 00 02, NYC HO 00 03, NYC HO 7, NYC HO 7P and NYC HO 10.

b. Coverage C limit for Form NYC HO 00 04.

c. Coverages A and C limits for Form NYC HO 00 06.

d. Coverages B, C and D increased limits.

e. Other Building or Structure options (e.g. Other Structures - Structures Rented To Others Residence Premises Endorsement HO 04 40, Other Structures On The Resi-dence Premises - Increased Limits En-dorsement HO 04 48 and Building Additions And Alterations Increased Limits Endorsement NYC HO 04 51).

E. Premium For Higher Deductibles

Multiply the base premium determined in Paragraph D. by the appropriate factor. See Rates Section.

F. Endorsement

Use Earthquake Endorsement HO 04 54.



Part V GR 4 2/15/2012

RULE 507. FORM NYC HO 00 06 COVERAGE A DWELLING BASIC AND INCREASED LIMITS AND SPECIAL COVERAGE – NYC HO 00 06

A. Basic Limits

The policy automatically provides a basic Coverage A limit of $5,000 on a named perils basis. If increased limits are not desired, enter “$5,000” under Coverage A - Dwelling in the Policy Declarations.

B. Increased Limits

The basic limit may be increased. The premium is developed based on the additional limit of insurance. To develop the premium for each additional $1,000 of insurance, see Rates Section.

C. Special Coverage

The Section I Perils Insured Against may be broadened to cover additional risks of loss. The additional premium is developed as shown in the Rates Section.

D. Endorsement

Use Unit-Owner Coverage A – Special Coverage Endorsement NYC HO 23 25.



Part V GR 5 2/15/2012

RULE 509. HOME DAY CARE COVERAGE


Coverage for a home day care business is limited under Section I and excluded under Section II. The policy may be endorsed to provide expanded Section I Coverage and Section II Coverage on a home day care business in the dwelling or in an other structure on the residence premises.

B. Other Structures

If the home day care business is located in an other structure, Coverage B does not apply to that structure. See Paragraph D. for charge for specific insurance on the structure.

C. Personal Property

The home day care endorsement also covers personal property pertaining to this business within the Coverage C limits stated in the declarations. If increased Coverage C limits are desired, see Rule 515.A.

D. Premium Computation

1. Section I

a. If the home day care business is located in the dwelling, no additional charge is made.

b. If the business is located in an other structure, charge the amount per $1,000 of specific insurance on the structure.

c. See Rates Section.

2. Section II

Refer to Rule 607. in the Rates Section to develop the premium for the increased Coverages E and F exposure.

E. Endorsement

Use Home Day Care Coverage Endorsement NYC HO 04 97 for Sections I and II Coverage.

RULE 510. PERMITTED INCIDENTAL OCCUPANCIES RESIDENCE PREMISES


Coverage for a permitted incidental occupancy is limited under Section I and excluded under Section II. The policy may be endorsed to provide expanded Section I Coverage and Section II Coverage on a permitted incidental occupancy in the dwelling or in an other structure on the residence premises.

B. Permitted Incidental Occupancies

Examples of such occupancies are Offices, Schools or Studios meaning offices for business or professional purposes, and private schools or studios for music, dance, photography and other instructional purposes.

C. Other Structures

If the permitted incidental occupancy is located in an other structure, Coverage B does not apply to that structure. See Paragraph E. for charge for specific insurance on the structure.

D. Personal Property

The permitted incidental occupancies endorsement also covers personal property pertaining to the permitted incidental occupancy within the Coverage C limits stated in the declarations. If increased Coverage C limits are desired, see Rule 515.A.

E. Premium Computation

1. Section I

a. If the permitted incidental occupancy is located in the dwelling, no additional charge is made.

b. If the permitted incidental occupancy is located in an other structure, charge the amount per $1,000 of specific insurance on the structure.

c. See Rates Section.

2. Section II

Refer to Rule 608. in the Rates Section to develop the premium for the increased Coverages E and F exposure.

F. Endorsement

Use Permitted Incidental Occupancies (Residence Premises) Endorsement NYC HO 04 42 for Sections I and II Coverage.


Part V GR 6 2/15/2012

RULE 511. LOSS ASSESSMENT COVERAGE

A. Residence Premises

1. Coverage Description

The policy automatically provides, under Section I Additional Coverage and Section II Additional Coverage, a limit of $1,000 each for assessments relating to the residence premises, excluding assessments resulting from the peril of earthquake. (Refer to Rule 505. Earthquake Coverage for the Earthquake rule of application.)

2. Higher Limits

The policy may be endorsed to provide a single additional amount of insurance to be applied to one or more assessments arising out of a single loss covered under:

a. Either Section I Additional Coverage or Section II Additional Coverage; or

b. Both Section I and Section II Additional Coverages.

3. Premium

See Rates Section.

B. Additional Locations


a. The policy may be endorsed to provide loss assessment coverage pertaining to additional locations for the insured’s share of loss assessments arising out of a single loss covered as noted in Paragraph A.2.

b. No more than 2 additional locations can be written in addition to the residence premises.

2. Premium

See Rates Section.

C. Endorsement

Use Loss Assessment Coverage Endorsement NYC HO 04 35. (Note: This Endorsement does not cover loss to property under Section I caused by Earthquake.)

RULE 512. LOSS OF USE – INCREASED LIMIT

A. When the limit of liability for Coverage D is increased, charge the rate per $1,000 of additional insurance.



Part V GR 7 2/15/2012


RULE 514. OTHER STRUCTURES

A. On-Premises Structures

When insurance is written on a specific structure on the residence premises the rates per $1,000 of insurance shall apply separately to each structure.

1. Specific Structure – Increased Limits

a. Premium

See Rates Section.

b. Endorsement

Use Other Structures On The Residence Premises – Increased Limits Endorsement HO 04 48.

2. Structure On The Residence Premises Rented To Others

a. Premium

Use the sum of:

(1) The rate per $1,000 of insurance shown in the Rates Section, and

(2) The premium for the increased Cover-ages E and F exposure, as developed from the Section II Rule 605 of this Manual.

b. Endorsement

Use Structures Rented to Others – Residence Premises Endorsement HO 04 40.


Part V GR 8 2/15/2012

RULE 515. PERSONAL PROPERTY

A. Increased Limit – NYC HO 00 02, NYC HO 00 03, NYC HO 7 and NYC HO 7P.

1. The limit of liability for Coverage C may be increased.

2. Charge the additional company rate per $1,000 of insurance.

3. Coverage C cannot exceed 100% of Coverage A.

4. Refer to Rates Section for additional charge.

B. Reduction In Limit – NYC HO 00 02 or NYC HO 00 03

1. The limit of liability for Coverage C may be reduced in accordance with Rule 101.D.

2. Refer to Rates Section for credit.

C. Increased Special Limits Of Liability NYC HO 00 02, NYC HO 00 03, NYC HO 7, NYC HO 7P and NYC HO 10

1. The Special Limits of Liability in the policy form for the categories of property noted in the following table may be increased to the maximum limits shown:

Special Limits

Personal Property Limit In

Form

Maximum Limit

Allowed 1. Jewelry, Watches and Furs 2. Money 3. Securities 4. Silverware, Goldware and

Pewterware 5. Firearms 6. Electronic Apparatus

a. In or upon a motor vehicle or motorized land conveyance.

b. Not in or upon a motor vehicle that is away from the residence premises and used for business.

$ 1,500 200 1,500 2,500

2,500

1,500

1,500

$ 6,500* 1,000 3,000 10,000** 6,500*** 6,000** 6,000**

*Not exceeding $1,000 for any one article **Increase must be in increments of $500 ***Increase must be in increments of $100 Table 515.C.1. Special Limits


D. Endorsement

Use Coverage C Increased Special Limits Of Liability Endorsement HO 04 65.

RULE 516. PERSONAL PROPERTY SCHEDULED


Coverage may be provided on scheduled personal property subject to the rules and rates of the Company.

B. Endorsement

Use Endorsement IM-175 – Scheduled Personal Property (Refer to Inland Marine Program).


Part V GR 9 2/15/2012

RULE 517. RENTAL TO OTHERS – EXTENDED THEFT COVERAGE


The policy may be endorsed to insure against loss by theft to covered property when all or part of the residence premises usually occupied by the insured is occasionally rented, in whole or in part, to others, or is regularly or occasionally rented to roomers or boarders.

B. Premium

See Rates Section.

C. Endorsement

Use Extended Theft Coverage For Residence Premises Occasionally Rented To Others Endorsement HO 05 41.



Part V GR 10 2/15/2012




Part V GR 11 2/15/2012

RULE 521. WATER BACK UP AND SUMP DISCHARGE OR OVERFLOW


The policy forms exclude coverage for loss resulting from water or water-borne material which backs up through sewers or drains or which overflows or is discharged from a sump, sump pump, or related equipment.

B. Coverage Option

1. The policy may be endorsed to provide such coverage for a limit of $5,000 to $25,000.

2. Water Back Up limit cannot exceed Coverage C limit of liability on an NYC HO 00 04.

C. Premium

See Rates Section.

D. Endorsement

Use Water Back Up and Sump Discharge Or Overflow Endorsement NYC HO 278.



Part V GR 12 2/15/2012




Part V GR 13 2/15/2012

RULE 525. MOTORIZED GOLF CART – PHYSICAL LOSS COVERAGE


The policy may be endorsed to provide coverage for physical loss to a motorized golf cart, including permanently installed accessories, equipment and parts, owned by an insured.

Also covered, for an amount equal to 10% of the limit of the highest scheduled cart, are accessories, equipment or parts designed or made solely for the cart that are not permanently installed provided such property is at an insured's residence or in or upon the cart off the insured's residence at the time of loss.

B. Eligibility

To be eligible for coverage, the motorized golf cart shall be of the type designed to carry up to four people on a golf course for the purpose of playing golf and shall not have been built, or modified after manufacture, to exceed a speed of 25 m.p.h. on level ground.

Read the endorsement for all conditions of coverage.

C. Limit Of Liability

The limit of liability shall be selected by the insured. However, that limit should be representative of the actual cash value of the motorized golf cart including any permanently installed accessories, etc.

D. Deductible

A deductible amount applies separately to each involved golf cart and, separately to Section I Property Coverages if not in or upon a golf cart at the time of loss.

The deductible replaces any other deductible in the policy with respect to property covered under the endorsement.

E. Premium

See Rates Section.

F. Endorsement

Use Owned Motorized Golf Cart – Physical Loss Coverage Endorsement NYC HO 05 28.



Part V GR 14 2/15/2012




Part V GR 15 2/15/2012


RULE 530. – 600. RESERVED FOR FUTURE USE

PART VI

SECTION II – LIABILITY – ADDITIONAL COVERAGES AND INCREASED LIMITS RULES


Part VI GR 1 2/15/2012

RULE 601. RESIDENCE PREMISES – BASIC AND INCREASED LIMITS/OTHER EXPOSURES – BASIC LIMITS


1. Minimum limits of liability for Coverage E (Personal Liability) and Coverage F (Medical Payments to Others) are shown in Rule 101.A.2. The premium for these limits is included in the Base Premium.

2. If increased limits are written, then the same limits must apply to any Other Exposures covered under the policy, unless otherwise stated.


B. Other Exposures

1. There is an additional charge for Other Exposures listed in the following rules.

2. The minimum limits for Other Exposures are the same as the limits for the Residence Premises, unless otherwise stated.

3. For increased limits for Other Exposures, refer to Rates Section.

4. If increased limits are written, then the same limits must apply to the Residence Premises, unless otherwise stated.



Part VI GR 2 2/15/2012


RULE 604. ADDITIONAL RESIDENCE RENTED TO OTHERS

A. Introduction

1. The policy may be endorsed to provide coverage when an additional residence is rented to others.

B. Premium

See Rates Section.

C. Endorsement

Use Additional Residence Rented To Others Endorsement HO 24 70.


Part VI GR 3 2/15/2012

RULE 605. OTHER STRUCTURES RENTED TO OTHERS – RESIDENCE PREMISES


1. The policy may be endorsed to provide coverage when a structure on the residence premises is rented to others for dwelling purposes.

2. Refer to Rule 514.A.2. for rating Section I Coverage.

B. Premium

See Rates Section.

C. Endorsement

Use Structures Rented To Others – Residence Premises Endorsement HO 04 40.



Part VI GR 4 2/15/2012

RULE 607. HOME DAY CARE COVERAGE


The policy may be endorsed to provide coverage for the increased exposure arising from a home day care business on the residence premises.

B. Endorsement

1. Use Home Day Care Coverage Endorsement NYC HO 04 97 for Sections I and II Coverage.

2. This endorsement provides for an annual aggregate limit of liability for Coverages E and F combined. Coverage F is subject to a sub-limit of liability which applies per-person/per-accident and does not increase the aggregate limit of liability.

3. The annual aggregate limit of liability (Coverages E and F combined) for this endorsement is the same as the dollar amount of Coverage E shown in the Declarations. The Coverage F sub-limit for this endorsement is the same as the dollar amount of Coverage F shown in the Declaration.

C. Premium


2. This premium is for an annual aggregate limit of $100,000 with a Coverage F sub-limit of $1,000 per-person/per-accident. If other Section II exposures are written for higher dollar limits, use the Coverage E increased limit factors to raise the aggregate limit, and the Coverage F charges to raise the Coverage F sub-limit.

3. This premium is for 1 through 3 persons, other than insureds, receiving day care services. If the day care business involves the care of more than 3 persons, other than insureds, refer to Company.

4. If the business is located in an other structure on the residence premises, also refer to Rule 509. for rating the property exposure.

RULE 608. PERMITTED INCIDENTAL OCCUPANCIES – RESIDENCE PREMISES AND OTHER RESIDENCES


The policy may be endorsed to provide coverage for the increased exposure arising from a permitted incidental occupancy on the residence premises or in an other residence occupied by the insured.

1. Residence Premises

Use Permitted Incidental Occupancies – Residence Premises Endorsement NYC HO 04 42.

2. Other Residence

Use Permitted Incidental Occupancies – Other Residence Endorsement HO 24 43.

B. Premium

See Rates Section.


Part VI GR 5 2/15/2012

RULE 609. BUSINESS PURSUITS


The policy may be endorsed to provide coverage for the liability of the insured arising out of business activities. Coverage is excluded if the insured owns the business, is a partner or maintains financial control in the business.

B. Premium

See Rates Section.

C. Endorsement

Use Business Pursuits Endorsement HO 24 98.

RULE 610. PERSONAL INJURY

A. Introduction

Liability coverage for personal injury to others, such as false arrest, malicious prosecution, wrongful eviction, slander, libel or violations of right of privacy, may be added to the policy.

B. Premium

See Rates Section.

C. Endorsement

Use Personal Injury Endorsement HO 24 86.


Part VI GR 6 2/15/2012


RULE 612. OUTBOARD MOTORS AND WATERCRAFT

A. Introduction

Coverage is included in the policy form, at no additional charge, for certain watercraft powered by an outboard engine or motor or combination of outboard engines or motors of up to 25 horsepower for NYC HO 00 02, NYC HO 00 03, NYC HO 00 04, and NYC HO 00 06 or 50 horsepower for NYC HO 7 and NYC HO 7P or 75 horsepower for NYC HO 10 and sailboats less than 26 feet in overall length with or without auxiliary power. Coverage is also included for watercraft powered by inboard or inboard-outdrive engines or motors, including those that power a water jet pump, of 50 horsepower or less when not owned by an insured or more than 50 horsepower when not owned by or rented to an insured.

B. Coverage Description

1. The policy may be endorsed to provide coverage for the following types of craft:

a. Watercraft, up to 26 feet in length powered by outboard engines or motors exceeding 25 horsepower for NYC HO 00 02, NYC HO 00 03, NYC HO 00 04, and NYC HO 00 06 or 50 horsepower for NYC HO 7 and NYC HO 7P or 75 horsepower for NYC HO 10 or powered by inboard or inboard-outdrive engines or motors, including those that power a water jet pump.

Accumulate total horsepower if two or more engines or motors are regularly used together with any single watercraft owned by insured.

b. Sailboats 26 feet or more in overall length, with or without auxiliary power.

2. Coverage must be written to expiration of the policy. It is permissible, however, to stipulate for all watercraft eligible in this rule, the navigational period of each year. Premium shall be adjusted on a pro rata basis.

3. For watercraft not described in preceding Paragraphs A. and B.1., coverage is not permitted under the Homeowners Policy.

4. If the insured owns another residence premises in a different state and principally operates the watercraft from that residence, coverage is not available.

C. Premium

See Rates Section.

D. Endorsement

Use Watercraft Endorsement HO 24 75.


Part VI GR 7 2/15/2012

RULE 613. OWNED SNOWMOBILE


1. The policy may be endorsed to provide coverage when a snowmobile is used off of the insured location.

2. Rate each snowmobile owned by the named insured or any other insured separately.

B. Premium

See Rates Section.

C. Endorsement

Use Owned Snowmobile Endorsement HO 24 64.

RULE 614. FARMERS PERSONAL LIABILITY

A. Eligibility

1. The policy may be endorsed to provide coverage when the insured has a farm away from the residence premises and farming is not the insured's primary occupation.

2. The following may not be covered:

a. Farms where the principal purpose of the farm is:

(1) To supply commodities for manufacturing or processing by the insured for sale to others, such as creameries and dairies (but not dairy farms).

(2) To operate freezing or dehydrating plants, and poultry factories.

The word "processing" does not apply to the slaughtering and dressing of livestock, or to such operations as bunching vegetables or crating berries.

b. Farms where the principal purpose of the farm is the raising and using of horses for racing purposes.

c. Incorporated farms.

B. Endorsement

Use Farmers Personal Liability Endorsement NYC HO 24 73.

C. Premium And Rating Instructions

See Rates Section.


Part VI GR 8 2/15/2012

RULE 615. INCIDENTAL FARMING PERSONAL LIABILITY

A. On The Residence Premises


a. The policy may be endorsed to provide coverage for the liability of the insured when farming is conducted on the residence premises and is incidental to the use of the premises as a dwelling, and the income derived from the farming operations is not the insured's primary source of income. However, coverage is not available if the location specified in the endorsement is used for racing purposes.

b. The policy may also be endorsed to provide coverage when the residence premises is used for the sheltering and grazing of animals. However, coverage is not available if the residence premises is used for racing purposes.

2. Premium

See Rates Section.

B. Away From The Residence Premises


The policy may be endorsed to provide coverage for the liability of the insured whose incidental farming activities are conducted at the locations specified in the endorsement which are away from the residence premises. Such incidental farming activities may include the boarding or grazing of the insured's animals, or use of the land as garden space if the income derived from such activities is not the insured's primary source of income. However, coverage is not available if the locations specified in the endorsement are used for racing purposes.

2. Premium

See Rates Section.

C. Endorsement

Use Incidental Farming Personal Liability Endorsement HO 24 72.



Part VI GR 9 2/15/2012

RULES 617. - 700. RESERVED FOR FUTURE USE

PART VII

SECTION II – LIABILITY – OTHER EXPOSURES INCREASED LIMITS RULES


Part VII GR 1 2/15/2012

RULE 701. – 702. RESERVED FOR FUTURE USE

STATE RULES

NYCM INSURANCE HOMEOWNER MANUAL ADDITIONAL RULES

AR 1 2/15/2012

RULE A1. SPECIAL STATE REQUIREMENTS

A. Workers’ Compensation Endorsement HO 24 93

Use this endorsement with all Homeowners policies.

1. With respect to policies other than Form NYC HO 00 04 and Form NYC HO 00 06, this endorsement must be attached to all policies covering owner-occupants of one or two family dwellings.

2. With respect to Form NYC HO 00 04 the endorsement must be attached if the policy is issued to:

a. The owner-occupant of an apartment in a two family dwelling if the dwelling is occupied by co-owners, each occupying distinct living quarters with separate entrances, and a Homeowners Policy providing building coverage is issued to the other co-owner.

b. The owner of any additional location insured under the policy that is one or two family owner-occupied dwelling located in the State of New York.

c. A tenant of an apartment in a one or two family dwelling in which one or more apartments are occupied by owners.

3. With respect to Form NYC HO 00 06, the endorsement must be attached if the policy is issued to:

a. The owner-occupant of the condominium unit, regardless of the number of units in the building.

b. The owner of any additional location located in the State of New York.

RULE A2. OFF – PREMISES THEFT EXCLUSION – TERRITORIES 103-107, 450, 451, 464-465, 490-492, 600-603, 700-701, 703-706, 800-802

A. The Homeowners Policy automatically provides coverage for loss by theft to personal property away from the residence premises.

B. This coverage may be excluded in Bronx, Kings, Nassau, New York, Orange, Putnam, Queens, Richmond, Rockland, Suffolk and Westchester counties.

Use Off-Premises Theft Exclusion Endorsement NYC HO 23 95.

C. Base Premium Development – ALL FORMS

When off-premises theft coverage is:

1. Included, no adjustment to the Base Premium is necessary.

2. Excluded, use Off-Premises Theft Exclusion Endorsement NYC HO 23 95 and develop the Base Premiums as explained in Rule 301.


AR 2 2/15/2012

RULE A3. WINDSTORM PROTECTIVE DEVICES

A. Storm Shutters And Hurricane Resistant Laminated Glass

1. When the policy covers the peril of Windstorm or Hail, a risk may be eligible for a premium credit if exterior wall and roof openings such as doors, windows, skylights, and vents are fully protected with hurricane resistant storm shutters or hurricane resistant laminated glass.

2. The storm shutters or hurricane resistant laminated glass must be designed and properly installed in accordance with the manufacturer’s specifications to effectively withstand external pressure and wind-borne debris from a storm with sustained wind speed of at least 110 miles per hour or a storm surge of 8 feet above normal.

3. Roof ridge vents and soffit vents do not have to be protected by windstorm protective devices.

4. Use Windstorm Protective Devices Endorsement HO 04 21.

B. Qualification For Credit

1. For all forms except NYC HO 00 04, to qualify for credit, the windstorm protective devices shall fully protect all exterior openings of:

(a) The dwelling and any other building on or at the location of the residence premises; or

(b) A covered condominium or cooperative unit owned and occupied by the insured or owned by the insured but rented, or held for rental to others, including any other building owned solely by the insured that is at the same location as the condominium or cooperative unit.

2. For Form NYC HO 00 04, to qualify for credit, the windstorm protective devices shall fully protect all openings of a one family dwelling in which the insured resides as a tenant, (including other buildings on the premises), or the apartment, condominium or cooperative unit in a multi-family dwelling in which the insured resides as a tenant.

C. Responsibility For Closing And Securing Wind-Storm Protective Devices

A company may require the insured to make arrangements with others to close and secure all storm shutters or acceptable alternatives when necessary, when the insured is not able to do so.

D. Premium Credit Computations

See Rates Section.

E. Additional Premium Credits

1. Apply when:

a. Increased limits apply to specific building structures on the residence premises covered under Structures Rented To Others HO 04 40, Other Structure On The Residence Premises HO 04 48, Permitted Incidental Occupancies NYC HO 04 42, Home Day Care Coverage Endorsement NYC HO 04 97.

RULE A3. WINDSTORM PROTECTIVE DEVICES (CONT’D)

b. Increased limits apply for Coverage C – Personal Property.

c. Increased limits apply to building additions and alterations covered under Building Additions And Alterations Increased Limits NYC HO 04 51.

d. Increased Coverage A limits apply for Unit-Owners Rental To Others Coverage Form NYC HO 00 06.

e. Increased limits apply for Coverage D – Loss of Use.

f. See Rates Section.


AR 3 2/15/2012

RULE A4. IDENTITY FRAUD EXPENSE COVERAGE


When the optional Identity Fraud Expense Coverage endorsement is attached to the policy, $25,000 of coverage is available to pay for expenses incurred by an insured as a direct result of any one identity fraud first discovered or learned of during the policy period. Such expenses include the costs for notarizing fraud affidavits or similar documents; certified mail sent to law enforcement, financial institutions and credit agencies; lost income resulting from time taken off work to meet with or talk to law enforcement or credit agencies; loan application fees for reapplying for a loan when the application is rejected solely because the lender received incorrect credit information; and reasonable attorney’s fees incurred to defend lawsuits brought against the insured and to remove criminal or civil judgments.

B. Limits of Liability

Up to $25,000 coverage will be provided for the identity fraud of an insured discovered or first learned of during the policy period.


See Rates Section.

D. Endorsements

1. Use Identity Fraud Expense Coverage Endorsement NYC HO 04 55.

2. This endorsement provides complete details on coverages, definitions and additional policy conditions applicable to this coverage.


AR 4 2/15/2012

RULE A5. LOSS HISTORY RATING PLAN – ALL FORMS

A. Introduction

The Loss History Rating Plan recognizes the loss history of an insured or applicant, for both property and liability coverages, in determining the appropriate premium for a new or renewal policy.

B. Eligibility

A loss shall be considered eligible for rating under this Plan if:

1. The loss occurred during the three years immediately preceding the date of application for a new policy or the preparation of the renewal policy.

2. Loss occurred with respect to a risk eligible for coverage under the Homeowner Program.

3. Loss was sustained with respect to the property or liability of an insured under the policy being rated.

4. Claim payments for a loss are greater than $0.

C. Occurrence Point Table

As shown below, the occurrence points are assigned based upon the type of policy and loss amount.

*Catastrophe losses will receive an occurrence point of 0.50.

D. Refund Of Increased Premium

If, after an increased premium is generated based on the requirements of this Plan, it is determined that a loss does not meet the requirements of this Plan, the insurer shall refund the increased portion of the premium attributable to such loss as generated by the Plan.

E. Administration Of Loss History Rating Plan

Information necessary to determine the loss history of the named insured or applicant shall be obtained from any one or combination of the following:

1. An application signed by the applicant.

2. A loss history or claims history database.

3. A company’s internal records.

F. Premium Computation

See Rates Section.

Homeowner

Loss Amount Occurrence Points*

$1,000+ 1.00

<$1,000 0.50

Tenant

Loss Amount Occurrence Points*

$500+ 1.00

<$500 0.50

COMPANY SPECIFIC RULES

NYCM INSURANCE HOMEOWNER MANUAL COMPANY SPECIFIC

CS 1 2/15/2012

RULE 801. LEAD LIABILITY EXCLUSION


Lead Liability Coverage is excluded on all structures built prior to 1980 covered as:

1. Primary Residence, two family owner/rental occupancy. (Does not apply if both families are owner occupied),

2. HO 24 70 Additional Residence Rented to Others,

3. NYC HO 04 97 Home Day Care Coverage,

4. HO 04 40 Structures Rented to Others.

B. Premium

The premium is developed as follows:

1. Primary Residence

Apply credit to the basic liability premium.

2. HO 24 70 Additional Residence Rented to Others

Apply credit to the premium for each applicable rental residence.

3. NYC HO 04 97 Home Day Care Coverage

Apply credit to the liability premium.

4. HO 04 40 Structures Rented to Others

Apply credit to the premium for each applicable rental structure.


C. Endorsement

Use Lead Liability Exclusion NYC HO 244.

RULE 802. WINDSTORM WRAP-AROUND HOMEOWNER ENDORSEMENT


1. For use in Bronx, Kings, Queens, Richmond, Nassau, Suffolk and Westchester counties.

2. Must be used in conjunction with a FAIR PLAN policy.

3. Forms NYC HO 00 02 and NYC HO 00 03 only.

4. Endorsed only to truly residential risks situated within 2500 feet of shore.

B. Endorsement

Use Windstorm Wrap-Around Endorsement NYC HO 229.

C. Premium

See Rates Section.


CS 2 2/15/2012

RULE 803. MODIFIED LOSS SETTLEMENT – NYC HO 00 02 AND NYC HO 00 03 ONLY


The Homeowners policy automatically provides loss settlement on a replacement cost basis with the expectation that most dwellings will be written with Coverage A limit of liability representing at least 80% of the replacement value. A dwelling may be insured for an amount less than 80% of replacement cost, subject to the consent of New York Central Mutual, using the Modified Loss Settlement endorsement. This endorsement revises the loss settlement provisions for buildings under Coverage A and B to repair or replace with commonly available materials and methods. If this option is selected, the Coverage A limit of liability may be modified.

B. Premium

See Rates Section for percentages available and applicable factors.

C. Endorsement

Use Modified Loss Settlement Endorsement NYC HO 480.


CS 3 2/15/2012

RULE 804. TIER RULE

Risks will be evaluated every 36 months for possible tier movement.

For risks insured less than 18 years, tier improvement for a given risk is limited to 2 tiers per evaluation period.

Downtier Criteria

Eligibility Considerations

A. A risk is eligible for tier improvement under the following criteria:

1. The risk must be claim free for 5 consecutive years (see qualified claim history below).

2. May not already be in the best tier.

3. There has not been more than 1 non-payment within the prior 24 months.

B. For those who satisfy the criteria in section A. above and are currently in tiers 1 – 30, a new score will be ordered every 36 months.

1. If the new score is better than the current score, use the new score to determine eligibility for downtiering. The risk will be evaluated based on the criteria shown in section D. below.

2. If the new score is less than the current score, continue to utilize current score group.

C. For those who satisfy the criteria in section A. above and are currently in tiers 31 – 50, the following downtiering rule applies:

1. If the minimum liability limits outlined in section D. below are satisfied, the risk will downtier four tiers if currently in tiers 41 – 50 and three tier if currently in tiers 31 – 40.

D.

To Qualify for Tier

Minimum Liability Limits

Minimum Score Group

1-5 $500,000 HB5 6-10 $300,000 HB8 11-15 $300,000 HB10 16-20 $300,000 HB21 21-25 $200,000 HB34* 26-30 $200,000 HB40 31-35 $200,000 NA 36-40 $200,000 NA 41-50 $100,000 NA

*Includes HB44 and HB45 (No Hits and No Scores)

If a risk is continuously insured for 18 years and satisfies the criteria in sections A.1. – 3., the risk will be moved to tier 15 or any other tier better than tier 15 as long as it satisfies sections A. through D. The risk will then be eligible for a four tier improvement every 36 months thereafter based on eligibility considerations under section A.

Qualified Claim History

All claims where a payment has been made will be considered qualified claims for tier movement eligibility. For the 3rd year anniversary, the experience period will be 5 years preceding the 30th day prior to the policy renewal effective date. Claims occurring within the 30 days prior to the policy renewal effective date will not be considered until the next 3rd year anniversary. Losses that have occurred prior to inception will not be used for uptiering or to negatively impact policy premium.

RULE 804. TIER RULE (CONT’D)

Uptier Criteria

If a policy does not qualify for a better rated tier, the existing tier assignment will continue to apply.


CS 4 2/15/2012

RULE 805. CLASSIC PLUS PROTECTION COVERAGE


All Forms Except NYC HO 7, NYC HO 7P and NYC HO 10 – The policy may be endorsed to include extra coverage and increased limits.

B. Premium

See Rates Section.

C. Endorsement

Use Classic Plus Protection Coverage Endorsement NYC HO 130.

RULE 806. DWELLING UNDER CONSTRUCTION – THEFT COVERAGE


The policy may be endorsed to cover a new dwelling in the course of construction against loss by theft of building materials.

B. Requirement

1. All Forms except NYC HO 00 04 and NYC HO 00 06.

2. Coverage must apply from the policy inception, cannot be added midterm or apply for more than one year.

3. The premium is fully earned.

C. Premium

See Rates Section.

D. Endorsement

Use Theft – Dwelling Under Construction Endorsement NYC HO 370.


CS 5 2/15/2012

RULE 807. INCIDENTAL MOTORIZED LAND CONVEYANCES


The policy may be endorsed to provide insurance under Coverage E and F for certain motorized land conveyances other than snowmobiles, which are not subject to motor vehicles registration.

B. Premium

See Rates Section.

C. Endorsement

Use Incidental Motorized Land Conveyances Endorsement NYC HO 313.

RULE 808. REPLACEMENT OR REPAIR COST – DWELLING


Forms NYC HO 00 02, NYC HO 00 03 and NYC HO 7 may be extended to include replacement or repair cost protection for Coverage A buildings with a maximum of 125%. This endorsement does not apply to Coverage B, C and D.

B. Premium

See Rates Section.

C. Endorsement

Use Replacement or Repair Cost Protection Coverage A – Dwelling Endorsement NYC HO 500.


CS 6 2/15/2012

RULE 809. ADDITIONAL INSURED RESIDENCE PREMISES SECTION II ONLY


In addition to the mortgagee(s) shown in the Declaration or elsewhere in the policy, other persons or organizations may have an insurable interest in the residence premises. When coverage is not provided to such persons or organizations under Additional Insured Endorsement HO 04 41 or its equivalent, their interest in the residence premises may be acknowledged by naming them in the endorsement referenced in Paragraph D.

Such persons or organizations are entitled to receive notification if the policy is cancelled or non renewed by the insurer.

B. Premium

See Rates Section.

C. Endorsement

Use Additional Insured Residence Premises Section II only Endorsement NYC HO 41A.

RULE 810. REINSURANCE

A. Total Insured Value is the total of Coverage A, B, C and D.

B. Premium

1. Total Insured Value ÷ $1,000 = the Reinsurance dollar amount.

2. Multiple Reinsurance dollar amount by applicable Zone factor.



CS 7 2/15/2012

RULE 811. DWELLING UNDER CONSTRUCTION

A. Introduction

A Homeowners policy may be endorsed to cover a new dwelling in the course of construction.

B. Eligibility

1. The required amount of Coverage A is 100% of the expected completed value of the dwelling.

2. Dwelling to be completed within 12 months of the inception date of this policy.

3. Dwelling must be owner-occupied upon completion.

C. Premium Credit

1. Coupler Discount.

D. Premium

1. See Rule 301.

RULE 812. AGE OF INSURED

A. Introduction

1. This is applied to all Homeowner policies based on the Age of the Named Insured living in the household.

B. Factors

See Rates Section.


CS 8 2/15/2012

RULE 813. COUPLER (COMBINATION) DISCOUNT

A. Introduction

The coupler (COMBO) discount is applicable to Homeowner policies when New York Central Mutual (NYCM) and/or A. Central Insurance Company (ACIC) also carries the Automobile policy for the named insured. An additional discount is available if NYCM also carries the Umbrella policy.

B. Factors

See Rates Section.

RULE 814. AGE OF HOME DISCOUNT

A. Introduction

1. This discount is applicable to Forms NYC HO 00 02, NYC HO 00 03, NYC HO 7, NYC HO 7P or NYC HO 10 and is subject to the age of the home.

B. Factors

See Rates Section.


CS 9 2/15/2012

RULE 815. HOME BUYER DISCOUNT

A. Introduction

1. This discount will apply when the home is purchased on the original effective date or during the 12 months prior to the original effective date of the policy.

2. The Insured does NOT have to be a first time home buyer.

3. This discount is applicable to Forms NYC HO 00 02, NYC HO 00 03, NYC HO 00 06, NYC HO 7, NYC HO 7P or NYC HO 10.

B. Factors

See Rates Section.

RULE 816. RENOVATION DISCOUNT

A. Introduction

1. These discounts will apply to homes that are at least 20 years old.

a. The roof must be replaced within the last 10 years and have proof of purchase and installation.

b. The primary heating source must be replaced within the last 10 years and have proof of purchase and installation.

c. The discount will apply for 20 years from the installation date.

d. This discount is applicable to Forms NYC HO 00 02, NYC HO 00 03, NYC HO 7, NYC HO 7P or NYC HO 10.

B. Factors

See Rates Section.

NYCM INSURANCE HOMEOWNER MANUAL

COMPANY SPECIFIC

CS 10 07/01/2014

RULE 817. CLAIM FREE DISCOUNT

A. Eligibility

1. This discount is applied when the insured has had Homeowner coverage with New York Central Mutual for at least the last 5 consecutive years.

2. The risk must be claim free for 5 consecutive years.

B. Factors

See Rates Section.

RULE 818. RETIREMENT DISCOUNT (All Forms Except NYC HO 00 02 And NYC HO 00 04)

A. Introduction

1. All of the named insureds must be age 55 or older; and

2. One of the named insureds or spouse (if resident of the same household) are not presently employed full time (defined as 20 or more hours per week) or actively seeking gainful employment; and

3. The insured premises is the primary residence of the insured and occupied at least ten months of the year.

4. The insured dwelling must be insured to 100% Replacement Cost.

B. Factors

See Rates Section.


CS 11 2/15/2012

RULE 819. GATED COMMUNITY DISCOUNT

A. Introduction

1. This discount is applicable to Homeowner policies where the insured location is within a gated community.

2. A gated community is a subdivision or neighborhood, often surrounded by a barrier, to which entry is restricted to residents and their guests.

B. Factor

See Rates Section.

RULE 820. ADDITIONAL LOCATION(S) WITH STRUCTURES OTHER THAN A DWELLING


Section II Coverage may be provided on locations, other than the residence premises, with a structure other than a dwelling.

B. Premium

See Rates Section.

C. Endorsement

Use Additional Location(s) Section II Liability NYC HO 70A.

NYCM INSURANCE HOMEOWNER MANUALCOMPANY SPECIFIC

CS 12 10/01/2013

RULE 821.EMPLOYEE DISCOUNT

A. Eligibility

An Employee discount will be offered topolicyholders that are directly employed full timewith or retired from NYCM Insurance.

B. Factor

See Rates Section.

NYCM INSURANCE HOMEOWNER MANUAL RATES SECTION

RATES SECTION


Rates - 1 3/01/2012

205. Minimum Premium

B. ..………………………………………………………………………………………………………….…………$50.00


Rates - 2 3/01/2012

207. Waiver Of Premium

B. Amount that may be waived…………………………………………………………………………………$5.00


Rates - 3 3/01/2012

210. – 300. RESERVED FOR FUTURE USE

NYCM INSURANCE HOMEOWNER MANUALRATES SECTION

Rates - 4 6/01/2016

301. Base Premium Computation

Form Factor

Table 301.A.1.

Coverage A Factors

Coverage A Factor Coverage A Factor10,000 0.520 350,000 2.66320,000 0.580 360,000 2.73830,000 0.641 370,000 2.81240,000 0.701 380,000 2.88450,000 0.761 390,000 2.95460,000 0.811 400,000 3.02070,000 0.860 410,000 3.07980,000 0.906 420,000 3.14090,000 0.957 430,000 3.201

100,000 1.000 440,000 3.262110,000 1.025 450,000 3.322120,000 1.051 475,000 3.460130,000 1.079 500,000 3.599140,000 1.112 525,000 3.762150,000 1.151 550,000 3.954160,000 1.200 575,000 4.176170,000 1.256 600,000 4.432180,000 1.322 625,000 4.649190,000 1.396 650,000 4.850200,000 1.474 675,000 5.050210,000 1.549 700,000 5.249220,000 1.631 725,000 5.452230,000 1.708 750,000 5.658240,000 1.785 775,000 5.916250,000 1.864 800,000 6.178260,000 1.944 825,000 6.443270,000 2.024 850,000 6.710280,000 2.105 875,000 6.978290,000 2.186 900,000 7.248300,000 2.267 925,000 7.519310,000 2.348 950,000 7.791320,000 2.428 975,000 8.062330,000 2.507 1,000,000 8.334340,000 2.586 For each add’l $1K 0.011

Table 301.A.2.a.

Base Rate$437

Base Form Factor

NYC HO 00 02 0.800

NYC HO 00 03 1.000

NYC HO 00 04 0.170

NYC HO 00 06 0.193

NYC HO 7 1.219

NYC HO 7P 1.414

NYC HO 10 1.560


Rates - 5 3/01/2012

301. Base Premium Computation (Cont’d)

Coverage C Factors For NYC HO 00 04 or NYC HO 00 06

Coverage C Amount

NYC HO 00 04 Factors

NYC HO 00 06 Factors

10,000 0.654 0.693 15,000 0.827 0.846 20,000 1.000 1.000 25,000 1.200 1.180 30,000 1.370 1.330 35,000 1.539 1.479 40,000 1.705 1.627 45,000 1.870 1.773 50,000 2.038 1.921 55,000 2.210 2.075 60,000 2.383 2.228 65,000 2.556 2.382 70,000 2.729 2.535 75,000 2.902 2.689 80,000 3.075 2.842 85,000 3.248 2.996 90,000 3.388 3.126 95,000 3.528 3.256 100,000 3.668 3.386 105,000 3.808 3.516 110,000 3.948 3.646 115,000 4.088 3.776 120,000 4.228 3.906 125,000 4.368 4.036

For each Add’l $1K 0.028 0.026

Table 301.A.3.a.


Rates - 6 6/01/2016


Territory Factors

Territory

Territory FactorsForms NYC HO 00 02,

NYC HO 00 03,NYC HO 7,

NYC HO 7P &NYC HO 10

Territory FactorsForms

NYC HO 00 04 &NYC HO 00 06

Territory

Territory FactorsForms NYC HO 00 02,

NYC HO 00 03,NYC HO 7,

NYC HO 7P &NYC HO 10

Territory FactorsForms

NYC HO 00 04 &NYC HO 00 06

103 1.991 1.207 428 0.908 0.908104 3.020 1.683 440 1.172 1.172105 4.205 1.834 441 1.165 1.165106 3.327 1.794 442 1.178 1.178107 3.367 1.818 443 1.009 1.009320 0.861 0.861 444 0.948 0.948321 1.355 1.355 445 1.073 1.073322 1.427 1.427 450 0.885 0.885323 1.235 1.235 451 0.835 0.835324 1.367 1.367 460 1.041 1.041325 1.642 1.642 461 0.828 0.828326 1.406 1.406 462 0.992 0.992327 0.956 0.956 463 0.876 0.876330 1.195 1.195 464 0.733 0.733331 1.276 1.276 465 0.865 0.865332 1.140 1.140 470 1.040 1.040333 1.074 1.074 471 1.020 1.020334 1.183 1.183 472 0.955 0.955335 1.249 1.249 473 0.839 0.839340 1.073 1.073 474 0.775 0.775350 1.063 1.063 475 0.857 0.857351 0.832 0.832 490 0.834 0.834352 0.819 0.819 491 0.873 0.873353 0.813 0.813 492 1.083 1.083354 0.873 0.873 510 0.909 0.909355 0.946 0.946 511 0.663 0.663356 0.864 0.864 512 0.870 0.870357 0.874 0.874 513 0.816 0.816370 0.935 0.935 514 1.013 1.013371 1.027 1.027 515 0.822 0.822372 0.828 0.828 516 0.968 0.968373 0.748 0.748 520 0.994 0.994374 0.815 0.815 530 1.057 1.057380 0.951 0.951 531 0.916 0.916381 0.918 0.918 550 0.888 0.888382 0.865 0.865 551 0.987 0.987383 1.036 1.036 600 1.698 1.698384 0.944 0.944 601 1.615 1.615385 1.261 1.261 602 1.838 1.838400 0.967 0.967 603 1.967 1.967401 0.839 0.839 700 2.342 2.342402 0.902 0.902 701 1.981 1.981420 1.237 1.237 703 2.652 2.652421 1.066 1.066 704 2.485 2.485422 1.401 1.401 705 2.081 2.081423 1.227 1.227 706 1.817 1.817424 0.986 0.986 800 2.042 2.042425 0.774 0.774 801 1.689 1.689426 0.900 0.900 802 1.762 1.762

Table 301.A.5.


RATES SECTION

Rates - 7 6/01/2016


Construction Type Factors

Table 301.A.11.

Protection Class Factors

Protection Class Factors

1 1.000

2 1.000

3 1.000

4 1.000

5 1.040

6 1.050

7 1.060

8 1.210

8B 1.250

9 1.280

10 1.830

1Y – 5Y 1.166

6Y 1.232

7Y 1.236

8Y 1.250

1X – 5X 1.190

6X 1.258

7X 1.262

8X 1.280

10W 1.810

Table 301.A.13.

Miles to Fire Department

Refer to Agent Manual

Number of Family Factors

Table 301.A.15.a.

Construction Type Factor

Superior 0.85

Frame 1.00

Masonry 0.90

# of Families Factors

1 1.0

2+ 1.1


Rates - 8 3/01/2012

302. Loss Settlement Options

Actual Cash Value Loss Settlement – NYC HO 00 02 and NYC HO 00 03 Only

Coverage A Limit of Liability

Equals Less than __% of Replacement Value

Factor

80%, but not less than 50%

.05

Less than 50%

.10

Table 302.C.


Rates - 9 3/01/2012

303. Ordinance Or Law Coverage

B. Premium……………………………………………………………………………………………………..…..$50


Rates - 10 3/01/2012



RATES SECTION

Rates - 11 7/01/2014

402. Townhouse Or Row House – All Forms Except NYC HO 00 04 and NYC HO 00 06

Total No. Of Individual

Family Units Within The Fire Division*

Protection Class

1 – 8 1Y-8Y, 1X-8X

8B-10, 10W

1 or 2 Family Dwelling

1 & 2 1.00 1.00

3 & 4 1.10 1.15

5 – 8 1.25 1.30

*An eligible two family owner-occupied dwelling attached to a one family dwelling but not separated by a fire wall would be considered 3 individuals family units within a fire division. Four 2 family dwelling not separated by

a fire wall would be considered 8 individual family units.

Table 402.B.


Rates - 12 3/01/2012

403. Personal Property (Coverage C) Replacement Cost Loss Settlement

D. Premium Determination

1. Form NYC HO 00 02 or NYC HO 00 03

The premium shall be developed by increasing Coverage C to at least 70% of Coverage A and applying 0.12 factor to the premium after the tier factor is applied.

2. Form NYC HO 00 04 or NYC HO 00 06

a. NYC HO 00 04

The premium shall be developed by applying 0.40 factor to the premium after the tier factor is applied.

b. NYC HO 00 06

The premium shall be developed by applying 0.30 factor to the premium after the tier factor is applied.

3. Minimum premium of $15.


Rates - 13 3/01/2012

404. Protective Devices

B. Protective Devices Factors

Fire Alarm Credits Central Station Reporting Fire Alarm .92 Fire Department Reporting Fire Alarm .92 Local Fire Alarm .98

Burglar Alarm Credits

Central Station Reporting Burglar Alarm .92 Police Station Reporting Burglar Alarm .92 Local Burglar Alarm .98 Deadbolts .98

Power Restoration Credits

Automatic Generator (Hard-wired) .95 Portable Generator .99

Water Alerts Credits

Water Alert – Central Station .95 Water Alert – Dial Out .95

Temperature Alert Credits

Temperature Alert – Central Station .95 Temperature Alert – Dial Out .95

Fire Mitigation Credits

Auto Sprinklers in all areas .87 Auto Sprinklers in all areas except attic, bathroom, etc .92

Fire Extinguisher .98

Other Premise Alarm Credits Remote Monitoring System .94

Table 404.B.

Each location will be allowed to receive one credit from each category up to a maximum of 16%.


Rates - 14 3/01/2012

406. Deductibles

B. Optional Deductibles

Base Deductibles

Deductible Factor Maximum Prem Credit

100 1.350 n/a 250 1.120 n/a 500 1.000 n/a 750 0.950 $350

1,000 0.870 $450 1,500 0.840 $550 2,500 0.770 $650 5,000 0.680 $750 10,000 0.600 $850 25,000 0.540 $1,000

Table 406.B.1.

C.2. Mandatory Catastrophe Percentage Windstorm Deductible

Mandatory Catastrophe Percentage Windstorm Deductible Factors

Optional Deductible Percentage

Factor

*10% 0.920

Table 406.C.2.e.(3) Risks written in Nassau county, the 5 boroughs (Kings, Queens, Richmond, Bronx, New York), and within 1500 feet of the shore in Westchester county must have a minimum Catastrophe Windstorm deductible of 3%. Risks in Suffolk county must have a minimum Catastrophe Windstorm deductible of 5%.

*The 10% option is only available when the Coverage A limit is $500,000 or more.

Deductible Percentage Factor

1% 0.980

2% 0.965

3% 0.955

4% 0.950

5% 0.945


Rates - 15 3/01/2012



Rates - 16 3/01/2012

502. Building Additions And Alterations Increased Limit – NYC HO 00 04

B. Premium Computation

To develop the premium per $1,000 of coverage, multiply the factor from Table 301.A.3.a. for each additional $1,000 of Coverage C by the NYC HO 00 04 premium after the form factor in Rule 301.


Rates - 17 3/01/2012

503. Business Property – Increased Limits

A. On-Premises

2.………………………………………………………………………………………………….…$25 per $2,500 increase


Rates - 18 3/01/2012

504. Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money

B. Premium Table 504.B.

Limit of Liability Premium

$2,500 $2

5,000 $3

7,500 $4

10,000 $5


Rates - 19 3/01/2012

505. Earthquake Coverage

Earthquake Coverage

Rates per $1,000 for a 2% Deductible Form/Higher Coverage Limits Zone Frame Masonry Superior

A. NYC HO 00 02, NYC HO 00 03, NYC HO 7, NYC HO 7P or NYC HO 10

3 $0.53 $2.77 $0.84 4 $0.33 $1.34 $0.49 5 $0.26 $0.80 $0.35

B. NYC HO 00 04 or NYC HO 00 06 & higher Cov C Limits for Other Forms

3 $0.35 $1.31 $0.35 4 $0.23 $0.76 $0.23 5 $0.18 $0.53 $0.18

C. Higher Cov B or D Limits & Other Building Options

3 $0.35 $2.10 $0.67 4 $0.23 $0.96 $0.39 5 $0.18 $0.53 $0.26

Table 505.D.1.a.

Table 505.D.1.b. Table 505.E.

Zone 3 Zone 4 Zone 5 Clinton Essex

Franklin

Albany Bronx

Columbia Dutchess

Erie Fulton

Genesee Greene

Hamilton Herkimer

Kings Livingston

Orleans Putnam Queens Monroe

Montgomery Nassau

New York Niagara Orange

Schoharie Suffolk Ulster

Rensselaer Richmond Rockland

St. Lawrence Saratoga

Schenectady Warren

Washington Westchester

Wyoming

Rest of State

Factors for Higher Deductibles Percentage Deductible

Construction Type Frame & Superior Masonry

5% 0.90 0.95 10% 0.80 0.90 15% 0.70 0.85 20% 0.60 0.80 25% 0.50 0.75


Rates - 20 3/01/2012

506. RESERVED FOR FUTURE USE


Rates - 21 3/01/2012

507. Form NYC HO 00 06 Coverage A Dwelling Basic And Increased Limits And Special Coverage

B. Increased Limits

To develop the premium per $1,000 of coverage, multiply the factor from Table 301.A.3.a. for each additional $1,000 of Coverage C for NYC HO 00 06 by the premium after the form factor in Rule 301.

C. Special Coverage

The additional premium is developed as follows:

1. Coverage A $5,000………………………………………………………………………… $2.00; plus

2. Each additional $1,000 of Coverage A…………………………………………………. $1.00


Rates - 22 3/01/2012



Rates - 23 3/01/2012

509. Home Day Care Coverage

D. Premium Computation

1. Section I

c. .…………………………………………………………………………………………………………….$4.00/$1,000


Rates - 24 3/01/2012

510. Permitted Incidental Occupancies Residence Premises

E. Premium Computation

1. Section I

c. ……………………………………………………………………………………………………………….$4.00/$1,000


Rates - 25 3/01/2012

511. Loss Assessment Coverage


3. Premium

New Amount of Coverage

All Forms Except NYC HO 00 03, NYC HO 7, NYC HO 7P, NYC HO

10 or NYC HO 00 06 with HO 23 25

NYC HO 00 03, NYC HO 7, NYC HO 7P, NYC HO 10 or

NYC HO 00 06 with HO 23 25 $5,000 $3 $4

10,000 5 7

Each Add’l $5,000 (UP TO $50,000) 1 2

Table 511.A.3.

Earthquake Loss Assessment

B. Additional Locations

2. Premium

Amount of Coverage

All Forms Except NYC HO 00 03, NYC HO 7, NYC HO 7P, NYC HO

10 or NYC HO 00 06 with HO 23 25

NYC HO 00 03, NYC HO 7, NYC HO 7P, NYC HO 10 or

NYC HO 00 06 with HO 23 25 $1,000 $5 $4 $5,000 8 4 10,000 10 7

Each Add’l $5,000 (Up to $50,000) 1 2

Table 511.B.2.

Frame Masonry/Superior

Per $1,000 $0.40 $0.50


Rates - 26 3/01/2012

512. Loss Of Use – Increased Limit

B……………………………………………………………………………………………………….……………..$3.00/$1,000


Rates - 27 3/01/2012



Rates - 28 3/01/2012

514. Other Structures

A. On Premises Structures

1. Specific Structure – Increased Limits

a. Premium ……………………………………………………………………………………………….$3.00/$1,000

2. Structure On The Residence Premises Rented To Others

a. Premium

(1) ………………………………………………………………………………………………..……… $4.00/$1,000


Rates - 29 3/01/2012

515. Personal Property

A. Increased Limit – NYC HO 00 02, NYC HO 00 03, NYC HO 7 and NYC HO 7P

4……………………………………………………………………………………………………………..……$1.00/$1,000

B. Reduction In Limit – NYC HO 00 02 or NYC HO 00 03

2…………………………………………………………………………………………………………..………$1.00/$1,000

C. Increased Special Limits of Liability NYC HO 00 02, NYC HO 00 03, NYC HO 7, NYC HO 7P and NYC HO 10

2. Special Limits

Personal Property

Limit In

Form

Maximum Limit

Allowed

Charge Per

Increase 1. Jewelry, Watches and

Furs 2. Money 3. Securities 4. Silverware, Goldware

and Pewterware 5. Firearms 6. Electronic Apparatus

a. In or upon a motor vehicle or motorized land conveyance.

b. Not in or upon a motor vehicle that is away from the residence premises and used for business.

$1,500

200 1,500 2,500

2,500

1,500

1,500

$6,500*

1,000 3,000

10,000**

6,500***

6,000**

6,000**

$18/$1,000

$6/$100 $4/$100

$3.25/$500

$3/$100

$5.75/$500

$5.75/$500

*Not exceeding $1,000 for any one article **Increase must be in increments of $500 ***Increase must be in increments of $100

Table 515.C.1.


Rates - 30 3/01/2012



Rates - 31 3/01/2012

517. Rental To Others – Extended Theft Coverage

B. Premium. …………………………………………………………………………………………………….. $16.00


Rates - 32 3/01/2012



Rates - 33 3/01/2012

521. Water Back Up And Sump Discharge Or Overflow

C. Premium.

Table 521.C.

Water Back Up Limit Premiums with HO 04 90 Endorsement

$5,000 $24 $29

$10,000 $48 $58

$15,000 $72 $86

$20,000 $91 $109

$25,000 $108 $130

* Use the HO 04 90 rates for the NYC HO 7, NYC HO 7P, and NYC HO 10 base forms.


Rates - 34 3/01/2012



Rates - 35 3/01/2012

525. Motorized Golf Cart – Physical Loss Coverage

E. Premium

Rate each cart separately using the premium per $100

$100 Deductible $2.50 per $100

$250 Deductible $2.00 per $100

Table 525.E.

1. Minimum annual premium - $25

2. Two or more units owned by the named insured – reduce the lowest rated unit by 20%.


Rates - 36 3/01/2012



Rates - 37 3/01/2012

601. Residence Premises – Basic And Increased Limits/Other Exposures – Basic Limits


3. Limits of Liability

Coverage E Limits

One Family Two Family

Upstate *Downstate Upstate *Downstate

100,000 $0 $0 $0 $0

200,000 $10 $19 $16 $30

300,000 $18 $31 $29 $50

400,000 $23 $37 $37 $59

500,000 $26 $41 $42 $65

1,000,000 $42 $61 $67 $97 Table 601.A.3.

*Downstate includes Nassau, Orange, Suffolk, Kings, Queens, New York, Richmond, Bronx, Rockland, Westchester and Putnam counties.

Limits of Medical Payments

Coverage F Limits Premium

1,000 $0

2,000 $3

3,000 $5

4,000 $8

5,000 $10 Table 601.A.3.


Rates - 38 3/01/2012



Rates - 39 3/01/2012

604. Additional Residence Rented To Others

B. Premium

Additional Residence Rented to Others

Coverage E Coverage F Dwelling

All Territories 1 Family 2 Family

100,000

1,000 $58 $94

2,000 $62 $98

3,000 $66 $102

4,000 $69 $105

5,000 $71 $107

200,000

1,000 $66 $106

2,000 $70 $110

3,000 $74 $114

4,000 $77 $117

5,000 $79 $119

300,000

1,000 $70 $118

2,000 $74 $122

3,000 $78 $126

4,000 $81 $129

5,000 $83 $131

400,000

1,000 $83 $134

2,000 $86 $137

3,000 $87 $138

4,000 $88 $139

5,000 $89 $140

500,000

1,000 $86 $140

2,000 $89 $143

3,000 $90 $144

4,000 $91 $145

5,000 $92 $146

1,000,000

1,000 $104 $168

2,000 $107 $171

3,000 $108 $172

4,000 $109 $173

5,000 $110 $174 Table 604.B.


Rates - 40 3/01/2012

605. Other Structures Rented To Others Residence Premises

B. Premium

Other Structures Rented to Others Residence Premises

Coverage E Coverage F Premium

$100,000

1,000 $25

2,000 $26

3,000 $28

4,000 $30

5,000 $31

$200,000

1,000 $28

2,000 $29

3,000 $30

4,000 $33

5,000 $34

$300,000

1,000 $31

2,000 $32

3,000 $34

4,000 $36

5,000 $37

$400,000

1,000 $36

2,000 $39

3,000 $40

4,000 $41

5,000 $42

$500,000

1,000 $37

2,000 $40

3,000 $41

4,000 $42

5,000 $43

$1,000,000

1,000 $45

2,000 $48

3,000 $49

4,000 $50

5,000 $51 Table 605.B.


Rates - 41 3/01/2012



Rates - 42 3/01/2012

607. Home Day Care

C. Premium

1. Home Day Care


$100,000

1,000 $102

2,000 $105

3,000 $108

4,000 $119

5,000 $123

$200,000

1,000 $119

2,000 $124

3,000 $129

4,000 $136

5,000 $140

$300,000

1,000 $135

2,000 $140

3,000 $145

4,000 $152

5,000 $156

$400,000

1,000 $145

2,000 $150

3,000 $155

4,000 $162

5,000 $166

$500,000

1,000 $151

2,000 $156

3,000 $161

4,000 $168

5,000 $172

$1,000,000

1,000 n/a

2,000 n/a

3,000 n/a

4,000 n/a

5,000 n/a Table 607.C.1.

3. Over 3 persons, other than insureds, $25 for each additional person.


Rates - 43 3/01/2012

608. Permitted Incidental Occupancies – Residence Premises And Other Residence

B. Premium

Permitted Incidental Occupancies – Residence Premises And Other Residence

Coverage E Coverage F NYC HO 04 42 Residence Premises

HO 24 43 Other Residence

$100,000

1,000 $13 $21

2,000 $16 $22

3,000 $19 $23

4,000 $30 $32

5,000 $34 $34

$200,000

1,000 $14 $24

2,000 $17 $25

3,000 $20 $26

4,000 $31 $35

5,000 $35 $37

$300,000

1,000 $15 $27

2,000 $18 $28

3,000 $21 $29

4,000 $32 $38

5,000 $36 $40

$400,000

1,000 $19 $30

2,000 $26 $35

3,000 $31 $38

4,000 $36 $41

5,000 $40 $43

$500,000

1,000 $19 $31

2,000 $26 $36

3,000 $31 $39

4,000 $36 $42

5,000 $40 $44

$1,000,000

1,000 $23 $38

2,000 $30 $43

3,000 $35 $46

4,000 $40 $49

5,000 $44 $51 Table 608.B.


Rates - 44 3/01/2012

609. Business Pursuits

B. Premium

Premium Classification 1. Clerical Employees:

Sales person, Collector or Messenger – Excluding installation, demonstration or servicing operation. 2. Sales person, Collector or Messenger – Including installation, demonstration or servicing operation. 3. Teachers – Laboratory, athletic, manual or physical training. 4. Teachers – Not otherwise classified.

Business Pursuits

Coverage E Coverage F Classification 1 Classification 2 Classification 3 Classification 4

$100,000

1,000 $ 5 $ 8 $13 $ 7 2,000 $ 6 $ 9 $15 $ 8 3,000 $ 7 $10 $16 $ 9 4,000 $10 $13 $21 $12 5,000 $11 $14 $22 $13

$200,000

1,000 $ 6 $ 9 $14 $ 8 2,000 $ 7 $10 $16 $ 9 3,000 $ 8 $11 $17 $10 4,000 $11 $14 $22 $13 5,000 $12 $15 $23 $14

$300,000

1,000 $ 7 $10 $15 $ 9 2,000 $ 8 $11 $17 $10 3,000 $ 9 $12 $18 $11 4,000 $12 $15 $23 $14 5,000 $13 $16 $24 $15

$400,000

1,000 $ 8 $11 $17 $10 2,000 $ 9 $14 $21 $13 3,000 $10 $15 $23 $14 4,000 $13 $16 $25 $15 5,000 $14 $17 $26 $16

$500,000

1,000 $ 9 $12 $19 $11 2,000 $10 $15 $23 $14 3,000 $11 $16 $25 $15 4,000 $14 $17 $27 $16 5,000 $15 $18 $28 $17

$1,000,000

1,000 $10 $14 $23 $13 2,000 $11 $17 $27 $16 3,000 $12 $18 $29 $17 4,000 $15 $19 $31 $18 5,000 $16 $20 $32 $19

Table 609.B.


Rates - 45 3/01/2012

610. Personal Injury

B. Premium

Personal Injury

Coverage E Limits Premium

$100,000 $14

$200,000 $16

$300,000 $18

$400,000 $19

$500,000 $20

$1,000,000 $25

Table 610.B.


Rates - 46 3/01/2012



Rates - 47 3/01/2012

612. Outboard Motors And Watercraft

C. Premium

Outboard Motors And Watercraft

Coverage E

Coverage F

Outboard Inboard or Inboard-Outdrive Motor Boats Sailboats

w/o aux power

26-40 ft.

Under 16 MPH 16 – 30 MPH Over 30 MPH 25 HP & <50HP 50 HP+ <26 ft. 26 – 40

ft. <26 ft. 26 – 40 ft. <26 ft. 26 – 40

ft.

100,000

1,000 $8 $15 $27 $69 $53 $109 $127 $203 $38 2,000 $9 $17 $29 $73 $57 $115 $135 $215 $41 3,000 $10 $19 $31 $77 $60 $121 $144 $227 $44 4,000 $13 $23 $35 $83 $64 $129 $153 $241 $49 5,000 $14 $24 $36 $85 $66 $132 $157 $247 $51

200,000

1,000 $9 $17 $32 $80 $62 $127 $147 $237 $44 2,000 $10 $19 $34 $84 $65 $133 $155 $249 $47 3,000 $11 $21 $36 $88 $68 $139 $164 $261 $50 4,000 $14 $25 $40 $94 $73 $147 $173 $275 $55 5,000 $15 $26 $41 $96 $75 $150 $177 $281 $57

300,000

1,000 $10 $19 $37 $91 $69 $144 $164 $269 $50 2,000 $11 $21 $38 $95 $72 $150 $174 $281 $53 3,000 $13 $23 $40 $99 $76 $156 $183 $293 $56 4,000 $15 $27 $45 $105 $80 $164 $190 $307 $61 5,000 $16 $28 $46 $107 $82 $167 $194 $313 $63

400,000

1,000 $11 $21 $39 $99 $76 $156 $182 $290 $54 2,000 $14 $25 $43 $105 $81 $164 $192 $304 $59 3,000 $15 $27 $45 $109 $84 $170 $200 $316 $62 4,000 $16 $29 $47 $113 $87 $176 $208 $328 $65 5,000 $17 $30 $48 $115 $89 $179 $212 $334 $67

500,000

1,000 $12 $22 $40 $103 $79 $162 $189 $302 $57 2,000 $15 $26 $44 $109 $84 $170 $199 $316 $62 3,000 $16 $28 $46 $113 $87 $176 $207 $328 $65 4,000 $17 $30 $48 $117 $90 $182 $215 $340 $68 5,000 $18 $31 $49 $119 $92 $185 $219 $346 $70

1,000,000

1,000 $14 $27 $48 $124 $95 $195 $227 $363 $68 2,000 $17 $31 $52 $130 $100 $203 $237 $377 $73 3,000 $18 $33 $54 $134 $103 $209 $245 $389 $76 4,000 $19 $35 $56 $138 $106 $215 $253 $401 $79 5,000 $20 $36 $57 $140 $108 $218 $257 $407 $81

Table 612.C.


Rates - 48 3/01/2012

613. Owned Snowmobile

B. Premium

Owned Snowmobile


$100,000

1,000 $44

2,000 $45

3,000 $46

4,000 $47

5,000 $48

$200,000

1,000 $50

2,000 $51

3,000 $52

4,000 $53

5,000 $54

$300,000

1,000 $55

2,000 $56

3,000 $57

4,000 $58

5,000 $59

$400,000

1,000 $60

2,000 $61

3,000 $62

4,000 $63

5,000 $64

$500,000

1,000 $65

2,000 $66

3,000 $67

4,000 $68

5,000 $69

$1,000,000

1,000 $70

2,000 $71

3,000 $72

4,000 $73

5,000 $74 Table 613.B.


Rates - 49 3/01/2012

614. Farmers Personal Liability

B. Premium And Rating Instructions

Farmers Personal Liability

Coverage E Coverage F Initial Farm Premises

Each Add’l Farm Premises

Initial or Add’l Farm Premises Owned By Insd

& Rented to Others (> 500

Acres)

$100,000

1,000 $58 $16 $14

2,000 $64 $17 $17

3,000 $65 $18 $18

4,000 $69 $21 $19

5,000 $71 $22 $20

$200,000

1,000 $63 $17 $16

2,000 $69 $18 $19

3,000 $70 $19 $20

4,000 $74 $22 $21

5,000 $76 $23 $22

$300,000

1,000 $67 $19 $17

2,000 $73 $20 $20

3,000 $74 $21 $21

4,000 $78 $24 $22

5,000 $80 $25 $23

$400,000

1,000 $83 $23 $20

2,000 $88 $26 $23

3,000 $91 $27 $24

4,000 $94 $28 $25

5,000 $96 $29 $26

$500,000

1,000 $86 $24 $21

2,000 $91 $27 $24

3,000 $94 $28 $25

4,000 $97 $29 $26

5,000 $99 $30 $27

$1,000,000

1,000 $104 $29 $25

2,000 $109 $32 $28

3,000 $112 $33 $29

4,000 $115 $34 $30

5,000 $117 $35 $31 Table 614.C.


Rates - 50 3/01/2012

615. Incidental Farming Personal Liability

A. On The Residence Premises

2. Premium

B. Away From The Residence Premises

2. Premium

Incidental Farming Personal Liability

Coverage E Coverage F On the Residence Premises

Away From the Residence Premises

$100,000

1,000 $29 $58 2,000 $30 $64 3,000 $31 $65 4,000 $34 $69 5,000 $35 $71

$200,000

1,000 $34 $63 2,000 $35 $69 3,000 $36 $70 4,000 $39 $74 5,000 $40 $76

$300,000

1,000 $38 $67 2,000 $39 $73 3,000 $40 $74 4,000 $43 $78 5,000 $44 $80

$400,000

1,000 $41 $83 2,000 $44 $88 3,000 $45 $91 4,000 $46 $94 5,000 $47 $96

$500,000

1,000 $43 $86 2,000 $46 $91 3,000 $47 $94 4,000 $48 $97 5,000 $49 $99

$1,000,000

1,000 $52 $104 2,000 $55 $109 3,000 $56 $112 4,000 $57 $115 5,000 $58 $117

Table 615.


Rates - 51 3/01/2012



Rates - 52 3/01/2012

A2. Off-Premises Theft Exclusion – Territories 103-107, 450,451, 464, 465, 490-492, 600-603, 700, 701, 703-706, 800-802

C. Base Premium Development – ALL FORMS

Off-Premises Theft Exclusion

Territory Factor

103 0.885

104 0.833

105 0.781

106 0.806

107 0.806

450 0.917

451 0.917

464 0.917

465 0.917

490 0.877

491 0.877

492 0.877

600 0.877

601 0.877

602 0.877

603 0.877

700 0.917

701 0.917

703 0.917

704 0.917

705 0.917

706 0.917

800 0.917

801 0.917

802 0.917 Table A2.C.


Rates - 53 3/01/2012

A3. Windstorm Protective Devices

D. Premium Credit Computations

1.

Table A3.D.1.

E. Additional Premium Credit

1.f.

Table A3.E.1.f.

If ALL openings are covered by: Factor

Storm Shutters OR Hurricane Resistant Laminated Glass 0.97

Storm Shutters AND Hurricane Resistant Laminated Glass 0.94

If ALL openings are covered by: Factor

Storm Shutters OR Hurricane Resistant Laminated Glass 0.97

Storm Shutters AND Hurricane Resistant Laminated Glass 0.94


Rates - 54 3/01/2012

A4. Identity Fraud Expense Coverage

C. Premium Computation……………………………………………………………………………………...$25.00


Rates - 55 2/15/2013

A5. Loss History Rating Plan – All Forms

F. Premium Computation

Use the following chart to determine the appropriate surcharge factor.

Consecutive Years with NYCM

Total Occurrence Points

1-1.99 2-2.99 3-3.99 4+

0 – 3 1.100 1.150 1.200 1.250

4 – 6 1.098 1.148 1.198 1.248

7 – 9 1.084 1.133 1.182 1.230

10 – 12 1.070 1.118 1.165 1.213

13 – 15 1.056 1.102 1.149 1.195

16+ 1.042 1.087 1.132 1.178

Table A5.F.


Rates - 56 3/01//2012

801. Lead Liability

B. Premium

5.

Table 801.B.5. Note: Minimum Credit $1.00

Lead Liability Factor

Primary Residence 0.99

Additional Residence Rented to Others HO 24 70 0.99

Home Day Care Coverage NYC HO 04 97 0.99

Structures Rented to Others HO 04 40 0.99


Rates - 57 3/01/2012

802. Windstorm Wrap-Around Homeowner Endorsement

F. Multiply 0.55 factor after the Windstorm Protective Device Factor is applied.


Rates - 58 3/01/2012

803. Modified Loss Settlement

B.

Modified Loss Settlement

% of Replacement Cost Factor

40% .390 41% .378 42% .366 43% .354 44% .342 45% .330 46% .318 47% .306 48% .294 49% .282 50% .270 51% .259 52% .248 53% .237 54% .226 55% .215 56% .204 57% .193 58% .182 59% .171 60% .160 61% .152 62% .143 63% .135 64% .126 65% .118 66% .109 67% .101 68% .092 69% .084 70% .075

Table 803.B.


Rates - 59 3/01/2012

804. Tier Rule

Tier Factors

Tier Factor

1 0.694 2 0.699 3 0.703 4 0.711 5 0.719 6 0.727 7 0.733 8 0.747 9 0.763 10 0.777 11 0.793 12 0.808 13 0.823 14 0.834 15 0.845 16 0.856 17 0.867 18 0.878 19 0.889 20 0.908 21 0.926 22 0.944 23 0.962 24 0.982 25 1.000 26 1.018 27 1.044 28 1.070 29 1.096 30 1.122 31 1.148 32 1.174 33 1.214 34 1.255 35 1.295 36 1.354 37 1.413 38 1.473 39 1.532 40 1.593 41 1.715 42 1.838 43 1.961 44 2.087 45 2.253 46 2.430 47 2.611 48 2.795 49 2.982 50 3.172

Table 804.


Rates - 60 3/01/2012

805. Classic Plus Protection Coverage

B. Premium

1. $30.00 multiplied by applicable Tier Factor.

Example: $30.00 x .941 Tier Factor $28.23 Round to $28.00


Rates - 61 3/01/2012

806. Dwelling Under Construction – Theft Coverage

C. Premium

Dwelling Under Construction – Theft Coverage

Coverage Premium

$10,000 $50

15,000 $55

20,000 $60

25,000 $65

Table 806.C.


Rates - 62 3/01/2012

807. Incidental Motorized Land Conveyances

B. Premium

Incidental Motorized Land Conveyances


$100,000

1,000 $44

2,000 $45

3,000 $46

4,000 $47

5,000 $48

$200,000

1,000 $50

2,000 $51

3,000 $52

4,000 $53

5,000 $54

$300,000

1,000 $55

2,000 $56

3,000 $57

4,000 $58

5,000 $59

$400,000

1,000 $60

2,000 $61

3,000 $62

4,000 $63

5,000 $64

$500,000

1,000 $65

2,000 $66

3,000 $67

4,000 $68

5,000 $69

$1,000,000

1,000 $70

2,000 $71

3,000 $72

4,000 $73

5,000 $74 Table 807.B.


Rates - 63 3/01/2012

808. Replacement Or Repair Cost – Dwelling

B. Premium………………………………………………………………………………………………….……$5.00


Rates - 64 3/01/2012

809. Additional Insured Residence Premises Section II Only

C. Premium

Additional Insured Residence Premises Section II Only


$100,000

1,000 $11

2,000 $13

3,000 $14

4,000 $16

5,000 $17

$200,000

1,000 $13

2,000 $14

3,000 $15

4,000 $18

5,000 $19

$300,000

1,000 $14

2,000 $15

3,000 $16

4,000 $19

5,000 $20

$400,000

1,000 $16

2,000 $19

3,000 $20

4,000 $21

5,000 $22

$500,000

1,000 $16

2,000 $19

3,000 $20

4,000 $21

5,000 $22

$1,000,000

1,000 $20

2,000 $23

3,000 $24

4,000 $25

5,000 $26 Table 809.C.


Rates - 65 3/01/2012

810. Reinsurance Refer to Agent Manual


Rates - 66 3/01/2012

810. Reinsurance (CONT’D) Refer to Agent Manual


Rates - 67 6/01/2016

812. Age Of Insured

B. Factors

Age Of Insured

Table 812.B.

Age Of Insured Factor Age Of Insured Factor

<30 1.000 58 0.899

31 0.980 59 0.909

32 0.954 60 0.909

33 0.926 61 0.909

34 0.905 62 0.909

35 0.890 63 0.909

36 0.879 64 0.909

37 0.872 65 0.919

38 0.868 66 0.929

39 0.866 67 0.939

40 0.863 68 0.949

41 0.861 69 0.960

42 0.855 70 0.949

43 0.847 71 0.939

44 0.840 72 0.929

45 0.834 73 0.919

46 0.836 74 0.909

47 0.838 75 0.909

48 0.840 76 0.909

49 0.840 77 0.909

50 0.840 78 0.909

51 0.840 79 0.909

52 0.847 80 0.909

53 0.855 81 0.909

54 0.859 82 0.909

55 0.869 83 0.909

56 0.879 84 0.909

57 0.889 85+ 0.909


RATES SECTION

Ra tes - 68 5/15/2015

813. Couple r (Com bination) Discount

B. Factors

Couple r (Com bination) Discount

P olicy Type Factor

Auto Only .75

Auto & Um bre lla .65

Table 813.B.


Rates - 69 6/01/2016

814. Age Of Home Discount

B. Factors

Age Of Home Discount

Table 814.B.

Age of Home Factor

1 0.580

2 0.604

3 0.629

4 0.655

5 0.682

6 0.710

7 0.740

8 0.770

9 0.802

10 0.832

11 – 19 0.870

20 – 29 0.913

30 – 39 1.000

40 – 49 1.000

50+ 1.000


Rates - 70 3/01/2012

815. Home Buyer Discount

B. Factors

Home Buyer Discount Table 815.B.

Note: Age Of Dwelling equals year of the policy effective date minus year built, plus one.

Age of Dwelling when written is <2

Age of Dwelling when written is >=2

Policy Renewal Year Factor Factor

New Policy .925 .95

1st Renewal .94 .96

2nd Renewal .955 .97

3rd Renewal .97 .98

4th Renewal .985 .99

5th Renewal + 1.00 1.00


Rates - 71 3/01/2012

816. Renovation Discount

B. Factors

Renovation Discount

Renovation Factor

New Roof .95

Primary Heat Source .975

Table 816.B.


RATES SECTION

Ra tes - 72 7/01/2014

817. Cla im Fre e Discount

B. Factor ………………………………………………………………………………………………………… .975


Rates - 73 3/01/2012

818. Retirement Discount

B. Factor ……………………………………………………………………………………………………..…. .95


Rates - 74 3/01/2012

819. Gated Community Discount

B. Factor ……………………………………………………………………………………………………..…. .95


Rates - 75 2/15/2012

820. Additional Location(s) With Structures Other Than A Dwelling

B. Premium

Table 820.B.

Coverage E Coverage F Additional Location with Structure Other Than A

Dwelling (All Territories)

$100,000

$1,000 $30

$2,000 $32

$3,000 $33

$4,000 $35

$5,000 $36

$200,000

$1,000 $32

$2,000 $33

$3,000 $34

$4,000 $37

$5,000 $38

$300,000

$1,000 $33

$2,000 $34

$3,000 $36

$4,000 $38

$5,000 $39

$400,000

$1,000 $43

$2,000 $46

$3,000 $47

$4,000 $48

$5,000 $49

$500,000

$1,000 $45

$2,000 $48

$3,000 $49

$4,000 $50

$5,000 $51

$1,000,000

$1,000 $54

$2,000 $57

$3,000 $58

$4,000 $59

$5,000 $60

Rates - 76 10/01/2013

821. Employee Discount

B. Factor ……………………………………………………………………………………………………..…. .90

TERRITORIES


Territory - 1 2/15/2012

Zip Code Territory Zones Zip Code Territory Zones Zip Code Territory Zones

00501 704 461-7 10101 105 303-17 10172 105 303-17 00544 704 461-7 10102 105 303-17 10173 105 303-17 06390 801 462-2 10103 105 303-17 10174 105 303-17 10001 105 303-17 10104 105 303-17 10175 105 303-17 10002 105 303-17 10105 105 303-17 10176 105 303-17 10003 105 303-17 10106 105 303-17 10177 105 303-17 10004 105 304-17 10107 105 303-17 10178 105 303-17 10005 105 304-17 10108 105 303-17 10179 105 303-17 10006 105 304-17 10109 105 303-17 10185 105 303-17 10007 105 303-17 10110 105 303-17 10197 105 303-17 10008 105 303-17 10111 105 303-17 10199 105 303-17 10009 105 303-17 10112 105 303-17 10213 105 303-17 10010 105 303-17 10113 105 303-17 10242 105 303-17 10011 105 303-17 10114 105 303-17 10249 105 303-17 10012 105 303-17 10115 105 303-17 10256 105 304-17 10013 105 303-17 10116 105 302-17 10259 105 303-17 10014 105 303-17 10117 105 303-17 10260 105 304-17 10016 105 303-17 10118 105 303-17 10261 105 303-17 10017 105 303-17 10119 105 303-17 10265 105 304-17 10018 105 303-17 10120 105 303-17 10268 105 304-17 10019 105 303-17 10121 105 303-17 10269 105 304-17 10020 105 303-17 10122 105 303-17 10270 105 304-17 10021 105 303-17 10123 105 303-17 10271 105 304-17 10022 105 303-17 10124 105 303-17 10272 105 304-17 10023 105 303-17 10125 105 303-17 10273 105 304-17 10024 105 303-17 10126 105 303-17 10274 105 304-17 10025 105 302-17 10128 105 303-17 10275 105 304-17 10026 105 302-17 10129 105 303-17 10276 105 303-17 10027 105 302-17 10130 105 303-17 10277 105 303-17 10028 105 303-17 10131 105 303-17 10278 105 303-17 10029 105 302-17 10132 105 303-17 10279 105 303-17 10030 105 302-17 10133 105 303-17 10280 105 304-17 10031 105 302-17 10138 105 303-17 10281 105 304-17 10032 105 302-17 10149 105 303-17 10282 105 303-17 10033 105 302-17 10150 105 303-17 10285 105 304-17 10034 105 301-16 10151 105 303-17 10286 105 304-17 10035 105 302-17 10152 105 303-17 10292 105 304-17 10036 105 303-17 10153 105 303-17 10301 103 304-18 10037 105 302-17 10154 105 303-17 10302 103 304-18 10038 105 304-17 10155 105 303-17 10303 103 304-18 10039 105 302-17 10156 105 303-17 10304 103 304-18 10040 105 302-17 10157 105 303-17 10305 103 304-18 10041 105 304-17 10158 105 303-17 10306 103 304-18 10043 105 304-17 10159 105 303-17 10307 103 304-18 10044 105 303-17 10160 105 303-17 10308 103 304-18 10045 105 304-17 10161 105 303-17 10309 103 304-18 10047 105 304-17 10162 105 303-17 10310 103 304-18 10048 105 304-17 10163 105 303-17 10311 103 304-18 10055 105 303-17 10164 105 303-17 10312 103 304-18 10069 105 303-17 10165 105 303-17 10313 103 304-18 10072 105 303-17 10166 105 303-17 10314 103 304-18 10080 105 303-17 10167 105 303-17 10451 106 302-17 10081 105 304-17 10168 105 303-17 10452 106 302-17 10082 105 303-17 10169 105 303-17 10453 106 302-17 10087 105 303-17 10170 105 303-17 10454 106 302-17

10095 105 303-17 10171 105 303-17 10455 106 302-17


Territory - 2 2/15/2012


10456 106 302-17 10545 490 3-16 10804 492 300-15 10457 106 302-16 10546 490 3-15 10805 492 301-15 10458 106 301-16 10547 490 4-16 10901 465 2-18 10459 106 302-16 10548 490 3-16 10910 464 3-18 10460 106 302-16 10549 490 3-15 10911 465 4-17 10461 106 302-16 10550 492 301-16 10912 464 3-19 10462 106 302-16 10551 492 301-16 10913 465 1-17 10463 106 301-16 10552 492 301-16 10914 464 5-18 10464 106 301-15 10553 492 301-15 10915 464 6-19 10465 106 302-16 10557 492 301-16 10916 464 5-19 10466 106 301-16 10558 492 301-16 10917 464 4-18 10467 106 301-16 10560 490 4-14 10918 464 4-19 10468 106 301-16 10562 490 3-16 10919 464 5-19 10469 106 301-16 10566 490 4-16 10920 465 2-17 10470 106 301-16 10567 490 4-16 10921 464 4-19 10471 106 301-16 10570 490 2-15 10922 464 4-17 10472 106 302-16 10571 490 3-15 10923 465 3-17 10473 106 302-16 10572 490 2-15 10924 464 4-19 10474 106 302-16 10573 490 1-15 10925 464 3-19 10475 106 301-16 10576 490 3-14 10926 464 4-18 10499 106 302-16 10577 490 1-15 10927 465 3-17 10501 490 4-15 10578 490 4-14 10928 464 4-17 10502 490 1-16 10579 450 5-16 10930 464 4-17 10503 490 1-16 10580 490 300-15 10931 465 2-18 10504 490 2-15 10583 490 300-15 10932 464 5-20 10505 490 4-15 10587 490 4-15 10933 464 5-20 10506 490 3-14 10588 490 4-16 10940 464 5-20 10507 490 3-14 10589 490 4-14 10941 464 5-19 10509 451 5-14 10590 490 3-14 10943 464 5-19 10510 490 2-16 10591 490 1-16 10949 464 4-18 10511 490 3-16 10594 490 2-15 10950 464 4-18 10512 451 5-15 10595 490 1-15 10952 465 2-17 10514 490 3-15 10596 490 3-16 10953 464 5-17 10516 450 5-16 10597 490 4-14 10954 465 2-17 10517 490 4-16 10598 490 4-15 10956 465 2-17 10518 490 3-14 10601 490 1-15 10958 464 4-20 10519 490 4-14 10602 490 1-15 10959 464 3-19 10520 490 3-16 10603 490 1-15 10960 465 1-17 10521 490 3-16 10604 490 1-15 10962 465 1-17 10522 490 1-16 10605 490 1-15 10963 464 5-20 10523 490 1-16 10606 490 1-15 10964 465 1-17 10524 450 4-16 10607 490 1-15 10965 465 1-17 10526 490 4-14 10610 490 1-15 10968 465 1-17 10527 490 4-15 10701 491 300-16 10969 464 4-20 10528 490 300-15 10702 491 300-16 10970 465 3-17 10530 490 1-15 10703 491 300-16 10973 464 5-20 10532 490 1-15 10704 491 301-16 10974 465 3-18 10533 490 1-16 10705 491 301-16 10975 464 3-18 10535 490 4-15 10706 490 300-16 10976 465 1-17 10536 490 4-14 10707 490 300-16 10977 465 2-17 10537 450 4-16 10708 490 300-16 10979 464 3-19 10538 490 300-15 10709 490 300-15 10980 465 3-17 10540 490 4-15 10710 491 300-16 10981 464 4-19 10541 450 5-15 10801 492 301-15 10982 465 2-18 10542 450 5-15 10802 492 301-15 10983 465 1-17

10543 490 300-15 10803 490 301-15 10984 465 3-17


Territory - 3 2/15/2012


10985 461 7-19 11216 107 304-17 11377 104 303-16 10986 465 4-17 11217 107 304-17 11378 104 303-16 10987 464 3-19 11218 107 304-17 11379 104 303-16 10988 464 4-20 11219 107 304-17 11380 104 303-16 10989 465 2-17 11220 107 304-17 11381 104 303-16 10990 464 3-19 11221 107 304-17 11385 104 304-16 10992 464 5-18 11222 107 303-17 11386 104 304-16 10993 465 3-17 11223 107 304-17 11405 104 304-15 10994 465 2-17 11224 107 304-17 11411 104 304-15 10996 464 4-17 11225 107 304-17 11412 104 304-15 10997 464 4-17 11226 107 304-17 11413 104 304-15 10998 464 4-20 11228 107 304-17 11414 104 304-16 11001 601 501-14 11229 107 304-17 11415 104 304-16 11002 601 501-14 11230 107 304-17 11416 104 304-16 11003 601 501-14 11231 107 304-17 11417 104 304-16 11004 104 501-14 11232 107 304-17 11418 104 304-16 11005 601 501-14 11233 107 304-17 11419 104 304-16 11010 601 501-14 11234 107 304-17 11420 104 304-16 11020 600 502-15 11235 107 304-17 11421 104 304-16 11021 600 502-15 11236 107 304-16 11422 104 304-15 11022 600 303-15 11237 107 304-17 11423 104 304-15 11023 600 502-15 11238 107 304-17 11424 104 304-16 11024 600 502-15 11239 107 304-16 11425 104 304-15 11030 600 502-14 11241 107 304-17 11426 104 303-15 11040 601 501-14 11242 107 304-17 11427 104 303-15 11041 601 501-14 11243 107 304-17 11428 104 303-15 11042 601 501-14 11245 107 304-17 11429 104 304-15 11050 600 502-14 11247 107 304-17 11430 104 304-15 11051 600 502-14 11249 107 304-17 11431 104 303-15 11052 600 502-14 11251 107 304-17 11432 104 303-15 11053 600 502-14 11252 107 304-17 11433 104 304-15 11054 600 502-14 11256 107 304-16 11434 104 304-15 11055 600 502-14 11351 104 303-15 11435 104 304-15 11096 602 503-14 11352 104 303-16 11436 104 304-15 11101 104 303-17 11354 104 303-16 11439 104 303-15 11102 104 303-17 11355 104 303-16 11451 104 304-15 11103 104 303-17 11356 104 303-16 11499 104 304-15 11104 104 303-17 11357 104 303-15 11501 601 501-14 11105 104 303-17 11358 104 303-15 11507 601 501-14 11106 104 303-17 11359 104 303-15 11509 602 503-14 11109 104 303-17 11360 104 303-15 11510 602 503-13 11201 107 304-17 11361 104 303-15 11514 601 501-13 11202 107 304-17 11362 104 303-15 11516 602 503-14 11203 107 304-17 11363 104 303-15 11518 602 503-14 11204 107 304-17 11364 104 303-15 11520 602 503-13 11205 107 304-17 11365 104 303-15 11530 601 501-14 11206 107 304-17 11366 104 303-15 11531 601 501-14 11207 107 304-16 11367 104 303-16 11535 601 501-14 11208 107 304-16 11368 104 303-16 11536 601 501-14 11209 107 304-17 11369 104 303-16 11542 600 502-13 11210 107 304-17 11370 104 303-16 11545 600 502-13 11211 107 303-17 11371 104 303-16 11547 600 502-13 11212 107 304-17 11372 104 303-16 11548 601 501-14 11213 107 304-17 11373 104 303-16 11549 601 501-13 11214 107 304-17 11374 104 303-16 11550 602 501-13

11215 107 304-17 11375 104 303-16 11551 602 501-14


Territory - 4 2/15/2012


11552 601 501-14 11719 706 465-6 11784 703 461-7 11553 601 501-13 11720 703 461-8 11786 704 463-6 11554 603 501-13 11721 700 463-11 11787 703 461-9 11555 601 501-13 11722 704 461-9 11788 704 461-9 11556 601 501-13 11724 700 463-12 11789 703 463-7 11557 602 503-14 11725 703 461-10 11790 703 463-8 11558 602 503-14 11726 701 465-11 11791 600 501-12 11559 602 503-14 11727 703 461-7 11792 704 463-5 11560 600 502-13 11729 700 461-10 11793 603 503-12 11561 602 503-14 11730 705 465-9 11794 703 463-8 11563 602 503-14 11731 703 463-10 11795 705 465-10 11565 602 501-14 11732 600 501-12 11796 705 465-8 11566 603 503-13 11733 703 463-8 11797 600 501-12 11568 601 501-13 11735 701 501-11 11798 700 461-11 11569 602 503-13 11736 701 501-11 11801 603 501-12 11570 602 503-14 11737 701 501-11 11802 603 501-12 11571 602 503-14 11738 703 461-7 11803 603 501-12 11572 602 503-14 11739 705 465-9 11804 603 501-12 11575 602 501-13 11740 703 463-11 11815 603 501-12 11576 600 502-14 11741 704 461-8 11854 603 501-12 11577 601 501-14 11742 704 461-7 11855 603 501-12 11579 600 502-14 11743 700 463-11 11901 800 462-4 11580 601 501-14 11746 700 461-11 11930 802 464-1 11581 602 503-14 11747 700 461-11 11931 800 462-4 11582 601 501-14 11749 704 461-9 11932 802 464-2 11590 603 501-13 11750 700 461-11 11933 800 463-5 11592 602 503-14 11751 705 465-9 11934 706 465-5 11594 603 501-13 11752 705 461-9 11935 801 462-3 11595 603 501-13 11753 603 501-13 11937 802 464-1 11596 601 501-14 11754 703 463-10 11939 801 462-2 11597 603 501-13 11755 703 461-8 11940 706 465-5 11598 602 503-14 11756 603 501-12 11941 706 465-4 11599 601 501-14 11757 701 465-11 11942 802 464-4 11690 104 304-15 11758 603 503-12 11944 801 462-2 11691 104 304-15 11760 704 461-9 11946 802 464-3 11692 104 304-15 11762 701 503-12 11947 800 462-4 11693 104 304-16 11763 704 461-7 11948 801 462-3 11694 104 304-16 11764 703 463-7 11949 800 461-5 11695 104 304-15 11765 600 502-13 11950 706 465-5 11697 104 304-17 11766 703 463-7 11951 706 465-5 11701 701 465-11 11767 703 461-8 11952 801 462-3 11702 701 502-10 11768 703 463-10 11953 703 461-6 11703 701 461-10 11769 705 465-8 11954 802 464-1 11704 701 465-11 11770 705 465-9 11955 706 465-5 11705 706 465-8 11771 600 502-12 11956 801 462-3 11706 705 465-10 11772 706 465-7 11957 801 462-2 11707 701 502-10 11773 600 501-12 11958 801 462-2 11708 701 465-11 11774 701 501-11 11959 802 464-4 11709 600 502-13 11775 700 461-11 11960 706 465-4 11710 603 503-13 11776 703 463-7 11961 704 461-6 11713 706 465-6 11777 703 463-7 11962 802 464-2 11714 603 501-12 11778 703 463-6 11963 802 464-2 11715 706 465-7 11779 704 461-8 11964 802 464-2 11716 704 461-8 11780 703 463-9 11965 801 462-2 11717 704 461-10 11782 706 465-8 11967 706 465-6

11718 705 465-10 11783 603 503-12 11968 802 464-3


Territory - 5 2/15/2012


11969 802 464-2 12066 327 14-19 12150 322 14-17 11970 800 462-3 12067 326 13-16 12151 471 15-15 11971 801 462-2 12068 321 15-19 12153 471 13-14 11972 706 465-4 12069 321 15-19 12154 471 15-15 11973 704 461-6 12070 321 15-19 12155 426 13-22 11975 802 464-1 12071 327 13-20 12156 471 12-15 11976 802 464-2 12072 327 14-19 12157 327 13-19 11977 802 464-4 12073 327 13-18 12158 326 13-16 11978 802 464-4 12074 321 16-17 12159 326 13-16 11980 704 461-6 12075 472 11-14 12160 327 14-19 12007 327 12-17 12076 460 12-19 12161 326 13-16 12008 323 14-16 12077 326 13-16 12164 444 18-19 12009 326 13-17 12078 423 16-19 12165 472 11-14 12010 321 15-18 12082 471 14-14 12166 327 14-20 12015 327 11-16 12083 327 12-17 12167 426 12-20 12016 321 15-18 12084 326 13-16 12168 471 13-14 12017 472 11-14 12085 326 13-17 12169 471 13-14 12018 471 13-14 12086 321 15-18 12170 471 15-15 12019 320 15-16 12087 327 12-16 12172 472 11-15 12020 320 15-16 12089 471 14-14 12173 472 12-15 12022 471 13-14 12090 471 15-14 12174 472 12-15 12023 327 13-18 12092 327 13-19 12175 426 13-20 12024 471 12-14 12093 426 12-20 12176 327 12-17 12025 321 16-18 12094 324 15-14 12177 321 15-19 12027 320 15-16 12095 321 15-19 12180 324 14-15 12028 471 15-14 12106 472 12-15 12181 324 13-15 12029 472 12-14 12107 326 13-18 12182 324 14-15 12031 327 14-20 12108 445 18-19 12183 323 14-15 12032 423 17-20 12110 323 14-15 12184 472 12-15 12033 471 13-15 12115 472 12-15 12185 471 15-14 12035 327 13-19 12116 426 12-22 12186 326 13-17 12036 426 13-21 12117 321 16-19 12187 327 13-20 12037 472 11-14 12118 471 15-15 12188 323 14-15 12040 471 13-14 12120 327 12-18 12189 323 14-15 12041 326 13-17 12121 324 15-15 12190 445 18-17 12042 327 12-16 12122 327 12-19 12192 327 12-16 12043 426 13-20 12123 471 12-15 12193 327 12-17 12045 327 12-16 12124 327 12-16 12194 426 12-20 12046 327 12-16 12125 472 12-14 12195 472 12-14 12047 323 14-15 12128 323 13-15 12196 471 13-15 12050 472 11-15 12130 472 12-15 12197 426 13-21 12051 327 11-16 12131 327 12-20 12198 324 13-15 12052 471 14-14 12132 472 12-15 12201 325 13-16 12053 322 14-18 12133 471 15-14 12202 325 13-15 12054 326 13-16 12134 445 17-17 12203 325 13-16 12055 327 12-17 12136 472 12-14 12204 325 13-15 12056 322 14-18 12137 322 14-18 12205 325 13-16 12057 471 15-14 12138 471 14-14 12206 325 13-15 12058 460 12-16 12139 444 18-20 12207 325 13-15 12059 326 13-17 12140 324 13-14 12208 325 13-16 12060 472 12-14 12141 322 13-18 12209 325 13-15 12061 324 13-15 12143 327 12-16 12210 325 13-15 12062 471 13-14 12144 324 13-15 12211 323 13-15 12063 471 13-15 12147 327 12-18 12212 325 13-16 12064 426 13-21 12148 323 14-16 12220 325 13-15

12065 320 14-15 12149 327 13-20 12222 325 13-16


Territory - 6 2/15/2012


12223 325 13-15 12414 460 11-16 12481 462 9-18 12224 325 13-15 12416 460 10-19 12482 460 11-17 12226 325 13-16 12417 463 9-17 12483 462 7-20 12227 325 13-15 12418 327 12-18 12484 462 8-18 12228 325 13-15 12419 463 8-18 12485 460 11-18 12229 325 13-16 12420 461 7-19 12486 463 9-17 12230 325 13-15 12421 460 11-20 12487 463 9-17 12231 325 13-15 12422 327 12-18 12489 462 8-19 12232 325 13-15 12423 460 12-18 12490 460 10-16 12233 325 13-15 12424 460 11-18 12491 463 9-18 12234 325 13-15 12427 460 10-18 12492 460 10-19 12235 325 13-15 12428 462 7-20 12493 475 8-17 12236 325 13-15 12429 475 8-17 12494 462 9-19 12237 325 13-15 12430 460 10-20 12495 462 10-18 12238 325 13-15 12431 327 12-17 12496 460 11-19 12239 325 13-15 12432 460 10-17 12498 462 9-18 12240 325 13-15 12433 463 9-18 12501 474 9-14 12241 325 13-15 12434 426 12-20 12502 473 10-15 12242 325 13-15 12435 461 7-20 12503 474 10-14 12243 325 13-15 12436 460 10-17 12504 473 10-16 12244 325 13-15 12438 460 11-21 12506 473 9-15 12245 325 13-15 12439 460 11-18 12507 473 10-16 12246 325 13-16 12440 462 8-18 12508 475 6-16 12247 325 13-15 12441 460 10-20 12510 463 7-15 12248 325 13-15 12442 460 11-19 12511 475 6-16 12249 325 13-15 12443 463 9-17 12512 475 6-16 12250 325 13-15 12444 460 11-19 12513 472 11-15 12252 325 13-15 12446 462 8-19 12514 474 9-15 12255 325 13-15 12448 462 10-18 12515 463 8-17 12256 325 13-15 12449 463 10-17 12516 473 10-14 12257 325 13-15 12450 460 10-18 12517 473 10-14 12260 325 13-15 12451 460 11-17 12518 464 5-17 12261 325 13-15 12452 460 11-19 12520 464 5-17 12288 325 13-16 12453 460 10-16 12521 472 10-14 12301 322 14-16 12454 460 11-18 12522 474 7-14 12302 322 15-17 12455 460 10-21 12523 472 10-15 12303 322 14-16 12456 460 10-17 12524 475 6-16 12304 322 14-16 12457 462 10-18 12525 463 7-18 12305 322 14-16 12458 462 8-19 12526 473 10-16 12306 322 14-17 12459 460 11-21 12527 475 6-16 12307 322 14-16 12460 327 12-18 12528 475 8-17 12308 322 14-16 12461 462 9-19 12529 472 11-14 12309 323 14-16 12463 460 10-17 12530 472 11-15 12325 322 15-16 12464 462 10-19 12531 474 6-14 12345 322 14-17 12465 460 10-20 12533 474 6-15 12401 463 9-17 12466 463 9-17 12534 472 11-15 12402 463 9-17 12468 460 11-20 12537 475 7-16 12404 462 8-19 12469 327 12-18 12538 463 8-16 12405 327 11-18 12470 327 11-17 12540 463 7-15 12406 460 10-20 12471 463 9-17 12541 473 10-15 12407 460 11-19 12472 463 9-17 12542 475 7-17 12409 462 10-18 12473 327 11-17 12543 464 6-19 12410 460 10-20 12474 460 11-20 12544 472 11-14 12411 463 9-17 12475 463 10-17 12545 474 8-14 12412 462 9-19 12477 460 10-17 12546 474 9-14

12413 460 11-17 12480 460 10-19 12547 462 7-17


Territory - 7 2/15/2012


12548 463 7-18 12741 516 9-23 12823 470 17-14 12549 464 6-19 12742 461 8-21 12824 445 18-15 12550 475 6-17 12743 461 6-22 12827 470 18-14 12551 475 6-17 12745 461 8-23 12828 470 17-15 12552 475 6-17 12746 461 5-21 12831 320 17-15 12553 464 5-17 12747 461 8-21 12832 470 17-14 12555 475 6-17 12748 460 8-22 12833 320 16-16 12561 463 8-18 12749 461 7-22 12834 470 16-14 12563 451 6-14 12750 461 8-23 12835 445 17-17 12564 474 6-14 12751 461 8-21 12836 445 18-14 12565 472 11-14 12752 461 7-22 12837 470 18-14 12566 461 7-19 12754 461 8-21 12838 470 17-14 12567 473 9-15 12758 460 9-21 12839 470 17-15 12568 462 7-17 12759 461 8-21 12841 470 18-14 12569 463 8-15 12760 516 9-23 12842 444 19-17 12570 474 7-14 12762 461 7-22 12843 445 18-17 12571 473 10-16 12763 461 7-20 12844 442 18-14 12572 473 9-16 12764 461 7-22 12845 445 18-15 12574 473 9-16 12765 462 9-20 12846 445 17-16 12575 464 5-18 12766 460 8-22 12847 444 19-17 12577 464 5-18 12767 460 9-22 12848 470 16-14 12578 473 8-15 12768 461 9-21 12849 470 18-14 12580 473 9-16 12769 461 6-20 12850 445 16-17 12581 473 9-15 12770 461 6-22 12851 445 19-16 12582 474 6-15 12771 461 5-21 12852 444 19-16 12583 473 10-16 12775 461 7-20 12853 445 19-16 12584 464 5-17 12776 460 9-22 12854 470 18-14 12585 474 7-15 12777 461 6-21 12855 444 19-15 12586 464 6-18 12778 461 7-22 12856 445 19-17 12588 461 7-19 12779 461 8-21 12857 445 19-16 12589 462 7-18 12780 461 5-21 12858 444 19-15 12590 475 7-16 12781 461 6-20 12859 320 16-16 12592 474 8-14 12783 460 7-22 12860 444 19-15 12594 474 7-14 12786 461 7-22 12861 470 18-14 12601 463 7-16 12787 460 8-22 12862 445 18-16 12602 463 7-16 12788 461 8-20 12863 320 16-16 12603 475 7-16 12789 461 8-20 12864 444 19-17 12604 475 7-16 12790 461 6-20 12865 470 17-14 12701 461 7-21 12791 460 8-22 12866 320 16-15 12719 461 6-22 12792 461 6-22 12870 444 19-15 12720 461 7-22 12801 445 17-15 12871 320 16-15 12721 461 6-20 12803 470 17-15 12872 444 19-15 12722 461 6-20 12804 445 17-15 12873 470 15-14 12723 461 8-23 12808 445 19-15 12874 445 18-14 12724 460 9-22 12809 470 17-14 12878 445 18-17 12725 460 9-20 12810 445 18-16 12879 444 19-16 12726 461 7-22 12811 445 18-17 12883 444 19-14 12727 461 7-22 12812 444 19-17 12884 320 16-15 12729 461 6-21 12814 470 18-15 12885 445 18-16 12732 461 6-22 12815 445 18-15 12886 445 18-16 12733 461 8-21 12816 470 15-14 12887 470 18-14 12734 461 8-21 12817 445 18-16 12901 443 21-14 12736 516 9-23 12819 470 18-14 12903 443 21-14 12737 461 6-22 12820 445 18-15 12910 443 22-14 12738 461 7-20 12821 470 18-14 12911 443 12-14

12740 462 9-20 12822 320 17-16 12912 443 21-15


Territory - 8 2/15/2012


12913 443 20-16 12981 442 21-15 13078 384 15-27 12914 442 22-19 12983 443 20-17 13080 383 16-29 12915 442 22-16 12985 443 21-15 13081 382 13-31 12916 442 22-19 12986 444 20-17 13082 401 16-26 12917 442 22-16 12987 443 20-15 13083 441 18-27 12918 443 21-15 12989 444 21-16 13084 401 15-28 12919 443 22-14 12992 443 22-14 13087 513 14-28 12920 442 22-16 12993 443 20-14 13088 385 16-28 12921 443 22-14 12995 442 22-17 13089 383 16-28 12922 444 20-20 12996 443 20-14 13090 383 16-28 12923 442 22-16 12997 443 20-15 13092 513 13-29 12924 443 21-14 12998 444 20-14 13093 382 18-29 12926 442 22-17 13020 401 14-27 13101 513 13-27 12927 444 20-20 13021 382 15-30 13102 513 12-29 12928 444 19-14 13022 382 15-30 13103 400 17-28 12929 442 21-15 13024 382 15-30 13104 401 15-27 12930 442 21-19 13026 382 14-31 13107 383 18-28 12932 443 20-15 13027 383 16-29 13108 384 15-29 12933 443 22-15 13028 400 17-27 13110 384 14-28 12934 443 22-15 13029 400 17-28 13111 382 17-31 12935 443 22-15 13030 401 16-27 13112 383 16-29 12936 443 20-14 13031 384 16-29 13113 382 16-30 12937 442 22-19 13032 401 16-26 13114 383 18-28 12939 443 20-16 13033 382 16-30 13116 401 16-27 12941 443 20-15 13034 382 15-31 13117 382 15-31 12942 444 20-15 13035 401 15-26 13118 513 14-29 12943 444 20-15 13036 400 17-28 13119 384 15-29 12944 443 21-14 13037 401 16-26 13120 384 15-28 12945 443 20-17 13039 400 16-27 13121 383 18-28 12946 444 20-16 13040 513 13-27 13122 401 14-26 12949 442 22-20 13041 385 17-28 13123 400 17-26 12950 443 20-14 13042 400 17-26 13124 425 13-26 12952 442 21-16 13043 401 16-26 13126 382 18-29 12953 442 22-17 13044 400 17-27 13131 400 18-27 12955 442 22-16 13045 513 13-28 13132 400 17-28 12956 444 20-14 13051 401 14-26 13134 402 15-25 12957 442 22-19 13052 401 14-26 13135 400 17-29 12958 443 22-14 13053 513 12-29 13136 425 13-26 12959 443 22-15 13054 402 16-25 13137 383 16-29 12960 444 19-14 13056 513 13-28 13138 401 15-27 12961 444 20-14 13057 400 16-27 13139 382 14-31 12962 443 21-14 13060 384 15-29 13140 382 16-31 12964 443 20-14 13061 401 14-26 13141 513 14-28 12965 442 21-20 13062 513 12-29 13142 400 18-28 12966 442 22-19 13063 401 14-27 13143 382 17-31 12967 442 22-20 13064 382 17-31 13144 441 18-27 12969 442 21-16 13065 382 14-32 13145 441 18-28 12970 444 20-17 13066 401 16-27 13146 382 16-31 12972 443 21-14 13068 513 12-29 13147 382 14-30 12973 444 20-19 13069 383 17-29 13148 382 15-32 12974 444 19-14 13071 382 13-30 13152 384 15-29 12975 443 21-14 13072 401 14-26 13153 384 15-29 12976 444 21-16 13073 513 13-29 13154 382 16-32 12978 442 21-15 13074 382 17-30 13155 425 13-26 12979 443 22-14 13076 400 17-28 13156 382 17-31

12980 444 21-19 13077 513 14-28 13157 400 17-25


Territory - 9 2/15/2012


13158 401 14-27 13324 444 17-22 13431 423 16-23 13159 401 14-28 13325 441 18-25 13433 441 18-23 13160 382 14-31 13326 426 13-22 13435 423 17-23 13162 400 17-25 13327 441 19-23 13436 444 18-20 13163 402 16-25 13328 424 15-24 13437 441 18-26 13164 384 16-29 13329 423 16-21 13438 423 17-23 13165 382 15-32 13331 444 19-22 13439 424 14-23 13166 382 16-30 13332 402 14-25 13440 421 17-24 13167 400 17-27 13333 424 14-21 13441 444 17-24 13201 385 16-28 13334 402 14-25 13442 421 17-24 13202 385 16-28 13335 425 13-24 13450 426 13-22 13203 385 16-28 13337 426 13-22 13452 423 15-20 13204 385 16-28 13338 444 18-23 13454 423 17-21 13205 385 15-28 13339 424 15-21 13455 424 15-24 13206 385 16-28 13340 424 16-23 13456 420 15-24 13207 385 15-28 13341 420 15-24 13457 425 14-23 13208 385 16-28 13342 425 13-23 13459 327 14-20 13209 385 16-28 13343 441 19-23 13460 425 13-25 13210 385 15-28 13345 441 18-23 13461 402 16-25 13211 400 16-28 13346 402 14-25 13464 425 13-25 13212 385 16-28 13348 425 13-23 13465 402 15-25 13214 385 16-27 13350 423 16-23 13468 424 14-23 13215 384 15-28 13352 423 17-23 13469 420 17-24 13217 385 15-28 13353 444 18-21 13470 423 17-20 13218 385 16-28 13354 420 17-24 13471 421 17-25 13219 385 15-28 13355 402 14-24 13472 444 19-22 13220 385 16-28 13357 424 15-23 13473 441 18-25 13221 385 16-28 13360 444 18-21 13475 424 15-22 13224 385 16-28 13361 424 15-22 13476 402 16-25 13225 385 16-28 13362 402 15-25 13477 402 16-25 13244 385 15-28 13363 421 17-25 13478 402 16-25 13250 385 16-28 13364 425 14-24 13479 420 16-24 13251 385 16-28 13365 423 16-22 13480 424 15-24 13252 385 16-28 13367 441 19-22 13482 425 13-23 13261 385 16-28 13368 441 18-23 13483 400 18-26 13290 385 16-28 13401 400 17-25 13484 402 14-25 13301 444 18-23 13402 402 15-25 13485 425 14-24 13302 400 18-27 13403 420 16-24 13486 423 17-24 13303 421 17-24 13404 441 19-22 13488 426 13-21 13304 423 17-23 13406 423 16-22 13489 441 18-25 13305 441 19-24 13407 424 15-22 13490 421 16-25 13308 400 17-25 13408 402 15-25 13491 424 14-23 13309 441 18-24 13409 402 15-25 13492 420 16-24 13310 402 15-25 13410 424 15-20 13493 400 18-26 13312 441 18-23 13411 425 13-24 13494 444 18-23 13313 420 14-24 13413 420 16-24 13495 420 16-24 13314 425 14-24 13415 425 13-23 13501 422 16-23 13315 425 13-23 13416 423 17-22 13502 422 16-23 13316 400 17-26 13417 420 16-24 13503 422 16-23 13317 327 14-20 13418 424 14-24 13504 422 16-23 13318 420 15-24 13420 444 19-22 13505 422 16-23 13319 420 15-24 13421 402 16-25 13599 422 16-23 13320 424 14-21 13424 420 16-24 13601 440 19-26 13321 420 16-24 13425 402 15-25 13602 441 20-25 13322 420 15-23 13426 441 18-27 13603 440 19-26

13323 420 15-24 13428 327 14-20 13605 440 19-27


Territory - 10 2/15/2012


13606 440 19-27 13668 442 22-20 13762 512 10-27 13607 440 20-27 13669 442 21-24 13763 512 10-27 13608 442 20-25 13670 441 20-22 13774 515 9-23 13611 441 19-27 13671 442 20-25 13775 428 11-23 13612 440 19-26 13672 442 21-20 13776 425 12-24 13613 442 22-20 13673 442 20-25 13777 514 11-27 13614 442 21-25 13674 440 19-27 13778 514 11-26 13615 440 19-27 13675 442 20-26 13780 428 12-25 13616 440 19-26 13676 442 21-20 13782 460 10-22 13617 442 21-22 13677 442 21-22 13783 516 9-23 13618 440 20-27 13678 442 22-20 13784 513 12-28 13619 441 19-25 13679 442 21-25 13786 426 12-20 13620 441 19-24 13680 442 21-23 13787 514 10-25 13621 442 22-22 13681 442 21-23 13788 428 11-21 13622 440 20-27 13682 440 19-26 13790 515 10-27 13623 442 21-25 13683 442 22-19 13794 514 12-27 13624 440 20-27 13684 442 20-22 13795 516 10-26 13625 444 20-20 13685 440 19-27 13796 425 13-23 13626 440 19-25 13687 442 21-20 13797 514 11-27 13627 441 19-25 13690 441 20-22 13801 514 12-26 13628 441 19-25 13691 440 20-26 13802 512 11-27 13630 442 21-23 13692 440 20-27 13803 513 12-27 13631 441 19-25 13693 440 19-27 13804 428 11-24 13632 440 20-27 13694 442 22-22 13806 428 12-22 13633 442 21-24 13695 441 20-22 13807 426 13-23 13634 440 19-27 13696 442 21-20 13808 425 12-24 13635 442 20-23 13697 442 22-20 13809 425 12-24 13636 441 19-27 13699 442 21-20 13810 425 13-23 13637 440 20-26 13730 514 11-25 13811 514 11-28 13638 442 19-25 13731 460 10-22 13812 512 10-29 13639 441 20-23 13732 515 10-28 13813 516 10-25 13640 440 20-27 13733 428 11-25 13814 425 13-25 13641 440 20-27 13734 512 10-29 13815 425 13-25 13642 442 20-24 13736 513 11-28 13820 426 12-23 13643 441 19-25 13737 512 10-27 13825 425 12-23 13645 442 20-24 13738 513 13-28 13826 516 10-25 13646 442 21-25 13739 428 11-22 13827 512 10-28 13647 442 21-22 13740 460 11-21 13830 428 12-25 13648 441 20-23 13743 513 11-29 13832 425 13-25 13649 442 22-20 13744 516 11-26 13833 515 11-26 13650 440 19-27 13745 515 10-26 13834 426 12-22 13651 440 19-27 13746 514 11-26 13835 513 12-28 13652 442 21-23 13747 426 12-22 13838 428 11-24 13654 442 21-24 13748 516 10-26 13839 428 11-24 13655 442 22-19 13749 516 10-26 13840 512 10-29 13656 440 20-27 13750 426 12-22 13841 514 12-26 13657 440 19-27 13751 428 12-22 13842 428 11-21 13658 442 22-22 13752 460 10-22 13843 425 12-24 13659 441 19-26 13753 428 11-22 13844 425 13-25 13660 442 22-22 13754 516 10-25 13845 512 10-29 13661 441 18-27 13755 428 10-23 13846 426 12-23 13662 442 22-20 13756 516 9-23 13847 428 11-24 13664 442 21-24 13757 428 12-22 13848 515 11-26 13665 441 20-24 13758 514 13-25 13849 428 11-24 13666 441 20-22 13760 512 10-27 13850 515 10-27

13667 442 22-20 13761 512 10-27 13851 515 10-27


Territory - 11 2/15/2012


13856 428 10-23 14061 530 13-45 14168 530 12-45 13859 425 12-23 14062 531 12-46 14169 356 14-42 13860 426 12-22 14063 530 12-46 14170 355 13-43 13861 426 12-23 14065 551 12-41 14171 356 12-43 13862 514 11-27 14066 551 13-40 14172 350 17-44 13863 514 12-26 14067 371 17-42 14173 520 12-42 13864 512 11-29 14068 353 15-44 14174 350 17-45 13865 516 10-25 14069 356 13-42 14201 334 15-44 13901 515 10-26 14070 531 12-44 14202 334 15-44 13902 515 10-26 14072 330 15-45 14203 334 14-44 13903 515 10-26 14075 357 13-44 14204 334 15-44 13904 514 10-26 14080 356 13-42 14205 334 15-44 13905 515 10-27 14081 530 13-45 14206 334 15-44 14001 371 15-42 14082 356 13-42 14207 331 15-44 14004 550 15-42 14083 356 13-42 14208 333 15-44 14005 550 15-41 14085 357 13-45 14209 331 15-44 14006 357 13-45 14086 353 15-43 14210 335 14-44 14008 370 17-43 14091 356 12-44 14211 333 15-44 14009 551 13-42 14092 350 16-45 14212 334 15-44 14010 357 13-44 14094 351 16-43 14213 331 15-44 14011 550 14-41 14095 351 16-43 14214 332 15-44 14012 370 17-42 14098 370 17-41 14215 333 15-44 14013 371 16-41 14101 520 12-42 14216 332 15-44 14020 550 15-40 14102 356 14-42 14217 331 15-44 14021 550 15-40 14103 371 17-41 14218 357 14-44 14024 551 13-41 14105 371 17-42 14219 357 14-44 14025 356 13-43 14107 350 16-45 14220 335 14-44 14026 353 15-43 14108 351 17-43 14221 352 15-43 14027 357 13-45 14109 340 16-45 14222 331 15-44 14028 351 17-43 14110 355 13-44 14223 332 15-44 14029 551 12-41 14111 357 13-44 14224 355 14-43 14030 356 13-42 14112 356 13-45 14225 352 15-43 14031 353 15-43 14113 356 13-41 14226 333 15-44 14032 353 16-43 14120 350 16-44 14227 354 15-43 14033 355 13-43 14125 371 16-41 14228 352 16-44 14034 530 12-44 14126 351 17-44 14231 352 15-44 14035 530 12-44 14127 355 14-43 14233 334 14-44 14036 371 15-41 14129 530 12-45 14240 334 15-44 14037 356 14-42 14130 551 13-40 14241 352 15-43 14038 550 15-42 14131 350 17-44 14260 352 15-44 14039 550 14-40 14132 350 16-44 14261 352 15-44 14040 550 15-41 14133 551 12-41 14263 334 14-44 14041 531 12-44 14134 356 13-42 14267 334 15-44 14042 520 12-42 14135 530 12-46 14269 354 15-43 14043 354 15-43 14136 530 12-46 14270 334 14-44 14047 357 13-45 14138 531 12-45 14272 354 15-43 14048 530 12-46 14139 356 13-42 14273 334 14-44 14051 353 15-43 14140 354 14-43 14276 334 15-44 14052 356 14-42 14141 356 12-43 14280 334 14-44 14054 550 15-40 14143 550 15-40 14301 340 16-45 14055 356 12-43 14144 350 16-45 14302 340 16-45 14056 550 15-41 14145 356 14-42 14303 340 16-45 14057 356 13-44 14150 330 15-44 14304 340 16-45 14058 371 16-40 14151 330 15-44 14305 340 16-45 14059 354 14-43 14166 530 12-46 14410 372 16-38

14060 551 12-41 14167 356 14-41 14411 370 17-40


Territory - 12 2/15/2012


14413 382 17-33 14508 370 17-39 14591 550 14-40 14414 373 14-38 14510 551 13-38 14592 381 14-39 14415 511 14-33 14511 550 15-38 14602 374 16-37 14416 371 16-39 14512 381 13-35 14603 374 16-37 14418 381 13-34 14513 380 16-33 14604 374 16-37 14420 372 17-39 14514 372 16-38 14605 374 16-37 14422 550 16-39 14515 374 17-38 14606 374 16-37 14423 373 15-38 14516 382 17-32 14607 374 16-37 14424 381 14-35 14517 551 13-38 14608 374 16-37 14425 380 15-35 14518 382 15-33 14609 374 16-37 14427 551 13-39 14519 380 17-35 14610 374 16-37 14428 372 16-38 14520 380 17-35 14611 374 16-37 14429 371 16-39 14521 382 13-32 14612 374 17-37 14430 372 17-39 14522 380 16-34 14613 374 16-37 14432 380 15-34 14525 550 14-39 14614 374 16-37 14433 382 16-32 14526 373 16-36 14615 374 17-37 14435 381 13-37 14527 511 13-33 14616 374 17-37 14437 381 13-37 14529 381 12-37 14617 374 17-37 14441 511 13-33 14530 551 13-39 14618 374 16-37 14443 381 15-36 14532 382 15-33 14619 374 16-37 14445 373 16-36 14533 381 14-39 14620 374 16-37 14449 380 17-34 14534 373 16-36 14621 374 16-37 14450 373 16-36 14536 551 13-40 14622 374 17-37 14452 371 17-40 14537 381 15-34 14623 374 16-37 14453 373 15-36 14538 380 17-34 14624 374 16-38 14454 381 14-38 14539 381 14-39 14625 374 16-36 14456 380 14-33 14541 382 14-32 14626 374 17-38 14461 381 14-34 14542 380 16-33 14627 374 16-37 14462 381 13-38 14543 373 15-37 14638 374 16-37 14463 380 14-33 14544 381 14-34 14639 374 16-37 14464 370 17-39 14545 381 13-37 14642 374 16-37 14466 373 14-37 14546 372 15-38 14643 374 16-37 14467 373 16-37 14547 381 14-34 14644 374 16-37 14468 372 17-38 14548 381 15-34 14645 374 16-37 14469 381 14-36 14549 551 13-40 14646 374 16-37 14470 371 17-39 14550 551 13-40 14647 374 16-37 14471 381 14-36 14551 380 17-33 14649 374 16-37 14472 373 15-37 14555 380 17-33 14650 374 16-37 14475 381 15-36 14556 551 13-38 14651 374 16-37 14476 370 17-39 14557 550 16-39 14652 374 16-37 14477 370 17-40 14558 373 14-37 14653 374 16-38 14478 511 13-34 14559 372 16-38 14664 374 16-37 14479 370 17-41 14560 381 13-36 14673 374 16-37 14480 373 14-37 14561 381 14-34 14683 374 16-37 14481 381 14-39 14563 380 17-35 14692 374 16-37 14482 550 15-39 14564 373 15-36 14694 374 16-37 14485 373 15-37 14568 380 16-35 14701 531 10-46 14486 373 15-39 14569 551 14-40 14702 531 10-46 14487 373 14-37 14571 370 17-41 14706 520 10-42 14488 373 14-37 14572 381 12-36 14707 510 10-39 14489 380 16-33 14580 373 17-36 14708 510 10-39 14502 373 16-35 14585 381 15-37 14709 510 12-39 14504 381 15-34 14586 373 15-37 14710 531 10-47 14505 380 16-34 14588 382 13-32 14711 510 11-40 14506 373 15-36 14589 380 17-34 14712 530 11-47

14507 381 13-34 14590 382 17-32 14714 510 11-40


Territory - 13 2/15/2012


14715 510 10-40 14786 520 11-41 14864 511 11-32 14716 530 12-46 14787 530 11-48 14865 511 11-32 14717 510 11-40 14788 520 10-42 14867 511 11-31 14718 530 12-46 14801 510 10-35 14869 511 11-32 14719 531 12-44 14802 510 11-38 14870 511 11-34 14720 531 10-46 14803 510 11-38 14871 511 10-32 14721 510 10-41 14804 510 11-38 14872 511 11-32 14722 530 11-47 14805 511 11-31 14873 381 12-35 14723 531 11-46 14806 510 11-38 14874 510 12-34 14724 530 10-48 14807 381 12-37 14876 511 12-32 14726 531 11-45 14808 381 12-36 14877 510 10-37 14727 520 11-41 14809 381 12-36 14878 511 12-33 14728 530 11-47 14810 510 11-35 14879 510 11-34 14729 356 12-44 14812 511 11-33 14880 510 11-39 14730 520 11-45 14813 510 11-39 14881 513 12-29 14731 520 11-43 14814 511 10-33 14882 382 13-30 14732 531 11-46 14815 511 12-34 14883 512 11-30 14733 531 11-46 14816 511 11-31 14884 551 12-38 14735 551 12-40 14817 513 12-29 14885 510 10-37 14736 530 10-48 14818 511 12-32 14886 511 12-31 14737 520 11-42 14819 510 11-36 14887 511 12-33 14738 531 10-45 14820 510 11-35 14889 511 11-30 14739 510 11-40 14821 510 11-34 14891 511 12-33 14740 531 11-46 14822 381 12-38 14892 512 10-30 14741 520 11-43 14823 510 11-36 14893 511 12-33 14742 531 10-46 14824 511 11-31 14894 511 10-32 14743 520 11-42 14825 512 10-31 14895 510 10-39 14744 551 12-40 14826 510 12-36 14897 510 10-38 14745 551 12-40 14827 511 11-34 14898 510 10-36 14747 531 11-45 14830 511 10-33 14901 511 10-31 14748 520 11-43 14831 511 10-33 14902 511 10-32 14750 531 10-47 14836 551 12-38 14903 511 10-32 14751 531 11-45 14837 511 12-33 14904 511 10-32 14752 530 12-46 14838 511 11-31 14905 511 10-32

14753 520 10-43 14839 510 10-37 14925 511 10-31

14754 510 10-40 14840 510 12-34 14755 520 11-44 14841 511 12-32 14756 530 11-47 14842 511 13-33 14757 530 11-47 14843 510 11-37 14758 530 10-47 14844 511 10-32 14760 520 10-42 14845 511 10-32 14766 531 11-44 14846 551 13-39 14767 530 10-47 14847 511 13-31 14769 530 11-47 14850 513 12-30 14770 510 10-41 14851 513 12-30 14772 520 11-45 14852 513 12-30 14774 510 10-40 14853 513 12-30 14775 530 11-48 14854 511 12-31 14777 520 12-41 14855 510 10-36 14778 520 10-42 14856 510 11-35 14779 520 10-44 14857 511 12-33 14781 530 11-48 14858 511 10-33 14782 531 11-46 14859 512 10-30 14783 520 11-45 14860 511 13-32 14784 530 11-47 14861 512 10-31

14785 531 11-47 14863 511 12-31

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