WISCONSIN AUTO, HOMEOWNERS, UMBRELLA, & …...• Motor homes and vehicles with an original cost new...

09/01/2019 Madison Mutual Insurance Company (WI)

WISCONSIN AUTO, HOMEOWNERS, UMBRELLA, &

FARMOWNERS

Table of Contents

Section 1. Auto Guidelines

Section 2. Homeowners Guidelines

Section 3. Umbrella Guidelines

Section 4. Farmowners Guidelines


MADISON MUTUAL INSURANCE COMPANY

AUTO UNDERWRITING MANUAL INDEX

SECTION I - AUTO GUIDELINES A. Auto Underwriting GuidelinesB. Change Form Signatures and DatesC. CoverageD. Trailers, Campers, and Motor Homes

SECTION II - AUTO RATING AND ENDORSEMENTS A. Auto RatingB. Driver Experience Classification PlanC. Endorsements

SECTION III - AUTO RATING FACTORS A. Base Rates & Coverage FactorsB. Driver Class Rating FactorC. Discounts & SurchargesD. Insurance ScoreE. Symbol Determination ChartsF. Auto Symbol FactorsG. Camper & Trailer Factors

SECTION IV - AUTO PROCESSING A. Claims ProcessingB. Billing Payment Options

09/01/2019 Madison Mutual Insurance Company (WI) I A-1

AUTO UNDERWRITING GUIDELINES The underwriting process is based on all available information including the application, the history we maintain, motor vehicle records, and other sources of public information. The State of Wisconsin provides four-and-a-half years of driving experience and is extended to 7 years for suspension, revocations, or alcohol-related violations. Each risk must be underwritten based on the applicant and other drivers, the number and type of violations, the number of claims/accidents, and the personal financial level. Additional information regarding specific circumstances such as limits, youthful drivers, and health issues. The Driver Experience Classification Plan, which is based on the driver's experience in the past 36 months, is used only after the driver is approved by the agent or the Home Office Auto Underwriting Department. Do Not Submit:

• Driver's license currently revoked or under suspension

• Conviction for any felony or insurance fraud

• Any impairment of any of the drivers to the point where there might be sudden disablement

• Violation for driving during a period while a license was suspended or revoked

• Violation for driving under the influence of alcohol or narcotics

• SR-22 filing required in the last five years

• Violation for leaving the scene of an accident

• Violation for reckless driving

• Homicide or assault arising out of the operation of an auto

• Violation for illegal transportation of alcohol

• Arrest for drunk or disorderly conduct

• Arrest for possession or use of narcotics

• Any applicant(s) that have received a major violation in the last five years

• Any applicant(s) that have received more than three minor violations in the last three years

• Any applicant(s) with five or more violations and accidents combined in the past three years

• Any applicant with three of more losses including comprehensive losses where over $500 was paid

or each loss in the past five years

Ineligible vehicles include but not limited to the following:

• Any vehicle used in racing or equipped with racing items

• Vehicles used commercially, including but not limited to livery (for hire), limousine service, rented to

others, or delivery (including mail trucks)

• Vehicles used to transport hotel/motel guests, nursery or school children

• Vehicles that are held for resale

• Used in snow removal for a charge

• Motor homes and vehicles with an original cost new in excess of $100,000

• Motor Homes with no supporting coverage

• Gray market vehicle

• Commercial vehicles including but not limited to dump trucks, tow trucks, or emergency vehicles,

buses, and any vehicle that requires a State or Federal motor carrier permit or special driver’s

license

• Merchant trucks and vans, and flatbed trucks

• Gross Vehicle Weight Rating greater than 10,000 lbs

• Kit cars, self-built, replicars

• Vehicles used for towing

• Previously totaled, salvaged, or reconstructed vehicles (may be accepted with liability only

coverage)

• Storage only vehicles without a supporting driving vehicle insured with Madison Mutual


AUTO UNDERWRITING GUIDELINES The agent is authorized to submit business in accordance with all Company guidelines and requirements. At the time of submission, the agent will be advised regarding acceptability and whether the risk has been approved. Additional information regarding drivers, violations and accidents, vehicles, etc, may be required before the risk is approved. In this situation no coverage is in effect until authority is given by the Company underwriter. The agent will be notified regarding any risk that does not meet the Company guidelines.

• Each driver should have at least one year of continuous prior auto insurance.

• All vehicles should be owned and titled by the applicant.

• All vehicles should be in the care, custody, and control of the applicant.

• The applicant must be at least 21 years of age unless we have supporting insurance from their

parents on a personal auto policy.

• Adult children over the age of 25 living in the home are required to be on their own policy.

• Photos are required for vehicles 15 years or older with Comprehensive or Collision Coverage. The

photos should clearly show no un-repaired damage and that the auto is in good physical condition.

• The requested coverage on the application cannot include bodily injury coverage of

$250,000/$500,000, if the applicant is under twenty-five with no supporting coverage or if there is a

youthful operator who has a surcharge.

• If any driver has a present or past mental or physical impairment/disability or medical condition such

as diabetes, epilepsy or heart condition, a completed Health Statement is required to be submitted

with the application. The company will not terminate, cancel, or refuse insurance solely on the basis

of a physical or mental impairment.

• While each driver's record is important to your decision, the agent must also consider the combined

driving records of all drivers plus the auto(s) to be insured and the coverage requested.

09/01/2019 Madison Mutual Insurance Company (WI)I B - 1

CHANGE FORM SIGNATURES AND DATES

The Named Insured must sign the Change Form if:

1. There is a change in agency representation (Agent of Record).2. An auto is deleted.3. Liability coverage is reduced (To Change Coverage).4. Physical damage coverage deductibles are increased (To Change Coverage).5. Coverage is deleted.6. Endorsement values are reduced (To Change an Endorsement).7. Endorsements are deleted.8. Request for Cancellation.

Agent Signature and Agent No/Date and Time

The agent must sign and date all Change Forms. The agent must keep a copy of all Change Forms.

Refund Requested

The company will refund premium credits requested by the agent greater than $20.00 if another premium payment is not due and the policy is not within 60 days of the renewal date.

09/01/2019 Madison Mutual Insurance Company (WI) I C-1

COVERAGE

The Company offers liability and physical damage coverage as detailed on the Territory Rate Tables and various endorsements as detailed in the Endorsement Section. There are certain rules which the agent must abide by, and there are certain guidelines which the Home Office believes the agent should follow.

The following is a list of rules and guidelines:

Rules:

1. The liability limits (bodily injury coverage, property damage coverage, medical paymentscoverage, uninsured motorist coverage, and underinsured motorist coverage) must be thesame for all autos on the policy.

2. An applicant/insured must carry bodily injury coverage, property damage coverage, anduninsured motorist coverage, collectively, if any one of the coverages is carried.

3. An applicant/insured cannot have collision coverage without comprehensive coverage;however, they can carry comprehensive coverage without collision coverage.

4. An applicant/insured cannot carry uninsured motorist coverage with higher limits than bodilyinjury coverage.

5. An applicant/insured cannot carry underinsured motorist coverage with higher limits thanuninsured motorist coverage.

6. An applicant/insured must carry comprehensive coverage and collision coverage to requestEndorsement PP0302 (Optional Limits Transportation Expense Coverage), EndorsementPP313 (Excess Electronic Equipment Coverage), Endorsement PP318 (Excess CustomEquipment Coverage) & PP1306 (Customized Equipment Exclusion).

7. When bodily injury coverage limits are requested in excess of 25,000/50,000, equal or greaterlimits of uninsured motorist coverage, and underinsured motorist coverage must be offered.

Guidelines:

1. The Company believes the agents should recommend to the applicant/insured that thebodily injury coverage and property damage coverage be relatively commensurate witheach other. The Company recommends the following bodily injury coverage andproperty damage coverage as such:

25/50/10 25/50/15 25/50/25 25/100/25 50/100/50 100/300/50 100/300/100 250/500/100

2. Physical damage (comprehensive coverage and collision coverage) premiums varygreatly depending on the deductible requested. The amount of physical damagedeductibles written for an applicant should be commensurate with the exposure theapplicant is willing to retain and the premium he is willing to pay. Generally, if anapplicant has the financial resources, it would be to his benefit to carry a largerdeductible.

09/01/2019 Madison Mutual Insurance Company (WI) I D-1

TRAILERS, CAMPERS AND MOTOR HOMES

Definitions:

• Trailers / Campers – Include both single and double-axle trailers. Trailers are defined asutility trailers designated for use with a private passenger auto. Campers must be designedfor use with a private passenger auto and provide living facilities. They do not includetrailers or campers used for business or display purposes, and campers cannot be used forregular living quarters. Trailers / Campers with liability coverage only, DO NOT need to beadded to the policy. They are automatically covered for liability from the towing vehicle.

• Truck Campers – A truck camper is defined as a camper that is securely fastened to thebed of a pickup truck that is classified as a private passenger auto.

• Camper Shells – A camper shell is defined as a shell that is securely fastened to the bed ofa pickup truck that is classified as a private passenger auto. A shell does not provide livingfacilities and is principally used to provide cover for items being carried in the bed of thetruck.

• Motor Home – A motor home is defined as a self-propelled unit and provides living facilitiesincluding a permanent toilet. They must be used for recreational purposes only.

If the applicant wishes to insure a motor home, an endorsement is not necessary, and the agent should list the motor home on the application just as any other auto.

Trailers which are owned by the named insured and/or spouse are automatically covered for any liability coverage that is extended from the towing auto, if the auto is insured with the Company. If the insured wishes physical damage coverage on the trailer, a premium must be paid.

We will not insure trailers owned by itinerant workers, trailers used for regular living quarters, home-made trailers, trailers owned by garage or rental sales agencies for hire to the public, or trailers used for business or display purposes. Coverage applies only to the body and chassis and to built-in accessories. It will not cover television antennas, awnings, cabanas, loss of wearing apparel or other personal effects. If the camper is to be left at a campsite, it must be in our insuring area.

09/01/2019 Madison Mutual Insurance Company (WI) II A-1

AUTO RATING The following is an explanation regarding the rating of private passenger vehicles, trucks, trailers, campers, and motor homes. Please refer to this section and how it relates to the usage of the vehicle, discounts, and surcharges.

1. Auto Usage

• Pleasure Use: is defined as no business use of the auto. Pleasure use includes commuting to and from work and/or school.

• Business Use: is defined as the use of the auto as required by or customarily involved in the duties of any driver operating the auto in his occupation, profession, or business other than commuting to and from work and/or school.

If a business or corporation is the owner, then the auto must be classified as business, unless the business or corporation is leasing the auto to the driver for pleasure use.

Autos used by clergymen in the performance of duties associated with their occupation must be classified for business use.

• Farm Use: is defined as an auto principally garaged on a farm or ranch and not customarily used in commuting to and from work and/or school and which is not used in any occupation other than farming or ranching.

An auto owned by a farm or ranch employee and used primarily for pleasure shall not be considered farm use.

• Trailers or campers with a weight (trailer and load) greater than 1,500 pounds and truck campers are defined as trailers or campers designed for use with a private passenger auto; however, it does not include homemade trailers or campers, trailers or campers used for business or display purposes.

AUTO USAGE BI PD COLL COMP MED

Pleasure 1.00 1.00 1.00 1.00 1.00

Business 1.20 1.20 1.25 1.25 1.25

Farm 0.80 0.80 0.90 0.90 0.90

2. Drivers

• Principal: Driver who drives the auto more than 50% of the time.

• Occasional: Rated driver who operates the auto on a part-time basis.

OPERATOR STATUS Factor

Principal 1.00

Occasional 0.80

• Student Occasional: A single child attending a college or university who only operates the auto while on school breaks or summers. These drivers are rated as married.

• Student Infrequent: A driver who attends a college or university out of state. These drivers are not rated. These drivers are under 26 years of age and over 100 miles away at school without an auto.


• Student Out of Zone: A child who is attending a college or university and has an automobile with him or her and is out of our zone of operation will be rated as it was in zip code 53216.

• Military Occasional: A single child in the military who operates the auto only while home on leave. These drivers are rated as married.

• Military Infrequent: A driver who is stationed out of state or overseas. These drivers are not rated.

3. Non-Drivers

• Under Age: A child who is listed on the policy but is not of the legal driving age.

• Permit Less Than 18: A driver under 18 that is driving on an instruction permit or blue slip. These drivers are not rated. When the driver receives their license, they must be rated. When the driver turns 18, the agent will be contacted as the driver must be rated or excluded.

• Impaired No License: A person who is listed on the policy because they live in the household but they cannot drive because of a mental or physical impairment and do not have a license.

• Not Rated: A driver insured on this policy and not rated because they are properly rated on another Madison Mutual Insurance Company auto policy.

• Roommate Not Rated: A driver that is added because he/she lives with a Madison Mutual Insurance Company policyholder but they are not rated.

4. Transition Premium Stabilization Factor

• The Transition Premium Stabilization Factor is designed to benefit policyholders by limiting the amount of change from the expiring premium to the renewal premium. This factor is calculated when comparing the expiring premium to the renewal premium and it limits the increase to +20%.

5. . Annual Mileage

While this may be difficult to precisely determine, speedometer readings, factual information secured from the applicant, and the producer’s knowledge should be pooled to determine the annual mileage.

The annual mileage for autos classified as business use should be the sum of business and pleasure use.

ANNUAL MILEAGE BI PD MP COLL COMP

5000 and lower 0.87 0.87 0.87

5001-6000 0.88 0.88 0.88

6001-7000 0.90 0.90 0.90

7001-8000 0.92 0.92 0.92

8001-9000 0.94 0.94 0.94

9001-10000 0.96 0.96 0.96

10001-11000 0.97 0.98 0.97


11001-12000 0.98 0.99 0.98

12001-13000 0.99 1.00 0.99

13001-14000 1.00 1.01 1.00

14001-15000 1.00 1.02 1.00

15001-16000 1.01 1.04 1.01

16001-17000 1.02 1.06 1.02

17001-18000 1.04 1.10 1.04

18001-19000 1.05 1.12 1.05

19001-20000 1.06 1.15 1.06

20001-25000 1.13 1.20 1.13

25001 + 1.25 1.30 1.25

6. Model Year

MODEL YEAR BI PD MED COLL COMP

1994 & older 0.86 0.86 0.90 0.48 0.60

1995 0.86 0.86 0.86 0.49 0.62

1996 0.86 0.86 0.86 0.53 0.64

1997 0.86 0.86 0.86 0.57 0.67

1998 0.86 0.86 0.86 0.61 0.70

1999 0.86 0.86 0.86 0.67 0.71

2000 0.86 0.86 0.86 0.69 0.72

2001 0.86 0.86 0.86 0.71 0.74

2002 0.86 0.86 0.86 0.74 0.77

2003 0.86 0.86 0.86 0.77 0.80

2004 0.88 0.88 0.88 0.82 0.83

2005 0.89 0.89 0.89 0.84 0.87

2006 0.91 0.91 0.91 0.88 0.90

2007 0.96 0.96 0.96 0.92 0.94

2008 0.99 0.99 0.99 0.96 0.97

2009 1.00 1.00 1.00 1.00 1.00

2010 1.00 1.00 1.00 1.05 1.04

2011 1.00 1.00 1.01 1.10 1.09

2012 1.01 1.01 1.01 1.15 1.16

2013 1.01 1.01 1.01 1.22 1.24

2014 1.01 1.01 1.01 1.27 1.29

2015 1.01 1.01 1.01 1.34 1.36

2016 1.01 1.01 1.01 1.41 1.45

2017 1.01 1.01 1.01 1.46 1.51

2018 1.01 1.01 1.01 1.49 1.56

2019 1.01 1.01 1.01 1.51 1.58

2020 1.01 1.01 1.01 1.53 1.60

2021 1.01 1.01 1.01 1.55 1.62

09/01/2019 Madison Mutual Insurance Company (WI) II B-1

DRIVER EXPERIENCE CLASSIFICATION PLAN

The Driver Experience Classification Plan is the method by which the Company can underwrite those drivers who have had accidents and/or violations. The Company considers certain conditions to be very serious and normally will not underwrite those drivers without special or extenuating circumstances. Certain other conditions are not considered as serious; however, the conditions tend to show additional exposure on the part of the Company. The Plan is not applicable if the driver is excluded from the policy with the Named Driver Exclusion Endorsement. The Plan is based upon the driver's experience during the last 36 months. In the Driver Experience Classification Plan, the word "loss" is interpreted as the total amount of loss incurred (reserve amounts plus paid amounts) over $1000. It includes amounts paid and reserved with this or any other insurance company and loss amounts incurred by the driver which he either paid or did not pay (unrepaired damage). Driver Experience Points will be assigned as follows: Accidents - Accidents are defined as at-fault accidents in which the driver is at fault and the resulting loss is

in excess of $1,000.

• Points will be assigned according to the chart on page II B-2 and II B-3. • Points will not be assigned when the accident occurred as a result of the operation of an insured

auto in response to an emergency if the driver, at the time of the accident, was responding to a call to duty as a volunteer member of any police or fire department, first-aid squad, or any law enforcement agency. This exception does not include an accident occurring after the emergency situation ceases or after the auto ceases to be used in response to such emergency.

Violations - Violations are defined as convictions of any driver for traffic violations. They are classified by MINOR, MEDIUM, and MAJOR violations.


Points will be assigned as follows for all Accidents/Claims, Minor Violations, Medium Violations, and Major Violations:

Accident/Claims BI PD MED Points

Assigned

Collision Points

Assigned

Comp Points

Assigned

0 0 0 0 1 3 3 1 2 4 4 1 3 4 4 1 4

5+ 4 4

4 4

1 2

Minor Violations

Points

0 0 1 1 2 2 3 2 4

5+ 3 3

Medium Violations

Points

0 0 1 2 2 3 3 4 4

5+ 4 4

Major Violations

Points

0 0 1 3 2 3 4

5+

4 4 4 4


Administration of the Driver Experience Classification Plan

Points, if applicable, are assigned to each driver on the application. See the factor additions below at how the points apply to each driver. The factor is determined by the number of points and the number of years that the policyholder has been insured with Madison Mutual Insurance Company. If point(s) are assigned to a driver and it is learned that the point(s) are no longer applicable, the Company will delete the point(s) effective the next renewal/change date. If a non-insured driver was driving an insured auto and causes an accident, the points from this accident will be assigned to the principal driver that gave permissive use. If point(s) should have been assigned to a driver and were not, the point(s) will be added effective the next renewal/change date.

Years Insured

Points 0 1 2 3 4 5 6 7 8 9 10-14 15+

0 1.00 1.00 0.98 0.94 0.93 0.92 0.92 0.91 0.90 0.87 0.86 0.85

1 1.10 1.10 1.10 1.07 1.05 1.01 1.01 1.00 0.99 0.98 0.96 0.94

2 1.30 1.30 1.30 1.24 1.19 1.19 1.19 1.17 1.16 1.16 1.08 1.04

3 1.40 1.40 1.40 1.32 1.30 1.29 1.29 1.27 1.26 1.26 1.24 1.18

4 1.50 1.50 1.50 1.42 1.40 1.39 1.40 1.38 1.37 1.36 1.30 1.30

5 1.60 1.60 1.60 1.55 1.55 1.58 1.55 1.55 1.57 1.54 1.54 1.54

6 1.75 1.75 1.75 1.75 1.75 1.72 1.72 1.70 1.70 1.70 1.67 1.64

7 1.90 1.90 1.90 1.90 1.90 1.90 1.90 1.90 1.90 1.90 1.86 1.82

8 2.05 2.05 2.05 2.05 2.05 2.05 2.05 2.05 2.05 2.05 2.01 2.00

9 2.20 2.20 2.20 2.20 2.20 2.20 2.20 2.20 2.20 2.20 2.20 2.20

10 2.35 2.35 2.35 2.35 2.35 2.35 2.35 2.35 2.35 2.35 2.35 2.35

11 2.50 2.50 2.50 2.50 2.50 2.50 2.50 2.50 2.50 2.50 2.50 2.50

12 2.65 2.65 2.65 2.65 2.65 2.65 2.65 2.65 2.65 2.65 2.65 2.65

13 2.80 2.80 2.80 2.80 2.80 2.80 2.80 2.80 2.80 2.80 2.80 2.80

14 2.95 2.95 2.95 2.95 2.95 2.95 2.95 2.95 2.95 2.95 2.95 2.95

15 3.10 3.10 3.10 3.10 3.10 3.10 3.10 3.10 3.10 3.10 3.10 3.10

16 3.25 3.25 3.25 3.25 3.25 3.25 3.25 3.25 3.25 3.25 3.25 3.25

17 3.40 3.40 3.40 3.40 3.40 3.40 3.40 3.40 3.40 3.40 3.40 3.40

18 3.55 3.55 3.55 3.55 3.55 3.55 3.55 3.55 3.55 3.55 3.55 3.55

19 3.70 3.70 3.70 3.70 3.70 3.70 3.70 3.70 3.70 3.70 3.70 3.70

20 3.85 3.85 3.85 3.85 3.85 3.85 3.85 3.85 3.85 3.85 3.85 3.85

21+ 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00

03/01/2020 Madison Mutual Insurance Company (WI) II C - 1

ENDORSEMENTS

Below is a list of endorsements we currently offer. The following pages contain a brief explanation of each endorsement. The explanation of each endorsement does not replace, expand, or detract from the wording and meaning of the actual endorsement.

ENDORSEMENT

NUMBER ENDORSEMENT NAME

PP0155 Amendment of Policy Provisions – Wisconsin PP0302 Optional Limits Transportation Expense Coverage PP0305 PP0307

Loss Payable Clause Trailer/Camper Body Coverage (Maximum Limit of Liability)

PP0308 Coverage for Damage to Your Auto (Maximum Limit of Liability) PP0313 Excess Electronic Equipment Coverage PP0318 PP0328 PP0334 PP0350 PP0427 PP0428

Excess Custom Equipment Coverage Miscellaneous Type Vehicle Amendment (Motor Homes) Joint Ownership Coverage Named Non-Owner Coverage – Wisconsin Uninsured Motorists Coverage - Wisconsin Underinsured Motorist Coverage – Wisconsin

PP1301 Coverage for Damage to Your Auto Exclusion Endorsement PP1303 Trust Endorsement PP1306 Custom Equipment Coverage Endorsement

UWR920-30 Additional Insured Endorsement UWR920-40 UWR920-65

Unrepaired Damage Endorsement Federal Employees/Contractors Using Autos in Government Business

UWR920-85 Waiver of Deductible – Glass Damage UWR920-90 Emergency Towing and Road Service Coverage


AMENDMENT OF POLICY PROVISION – WISCONSIN

PP0155

Amends the Personal Auto Policy to comply with Wisconsin requirements regarding:

• Definition Section of the policy and the “minimum limit of liability”; follows the limits of liability specified by the financial responsibility law of Wisconsin.

• Replaces A.4 and A.6 regarding Liability Coverage for and “insured” during the course of employment.

• Part A – Liability Coverage is amended regarding the damages paid for “bodily injury” and “property damage”

• Medical Payments Part B amends the Insuring Agreement to pay reasonable expenses including chiropractic cost; also pay only those expenses incurred for services rendered within three years.

• General Provisions – Part F is revised to include knowledge by our agent is considered knowledge by the Company; The Legal Action Against Us provision does not apply; Termination conditions have been modified.

This endorsement is automatically added to all policies.

This is a general summary of just some of the changes included in the Amendment of Policy Provisions – Wisconsin. No coverage is provided by this summary; nor can it be construed to replace any provision of the policy. There is no charge for this endorsement.


OPTIONAL LIMITS TRANSPORTATION EXPENSE COVERAGE

PP0302

The Optional Limits Transportation Expense Coverage Endorsement provides reimbursement for rental fees (excluding mileage) incurred when an insured auto is withdrawn from service due to a physical damage loss other than theft. See the endorsement for details. It does not cover loss of use of an auto because of mechanical failure or for car service. The following are the Optional Limits Transportation Expense Coverage options:

Limit Per Day

Maximum Limit

Rate Per Vehicle

$30.00 $900.00 $19.00 $45.00 $1350.00 $29.00 $60.00 $1800.00 $38.00

Coverage will begin:

• on the date of the accident if the auto is inoperable or

• on the day repair begins if the auto is operable,

• will terminate upon date of completion of repairs or upon an earlier date if we offer settlement.

This endorsement is added on the Private Passenger Automobile Detail screen under the Vehicle tab. When you choose yes in the drop down for Rental Reimbursement the endorsement is added.


LOSS PAYABLE CLAUSE

PP0305

The coverage for Loss Payable Clause is added when there is a loss payee to protect their interest in the vehicle. When we pay the loss payee we shall, to the extent of payment, be subrogated to the loss payee's rights of recovery. We reserve the right to cancel the policy based on the provisions of the policy. There is no charge in premium for this endorsement.


TRAILER/CAMPER BODY COVERAGE (MAXIMUM LIMIT OF LIABILITY)

PP0307

Trailers or campers may be covered by this endorsement if they carry comprehensive and collision coverage. The trailer, camper, or truck camper may be covered only if the towing vehicle is insured with us. If this endorsement is used, bodily injury, property damage, medical, uninsured motorist and underinsured motorist are provided without charge by an extension of coverage from the towing vehicle. We will not insure trailers owned by itinerant workers, trailers used for regular living quarters, homemade trailers, trailers owned by garage or rental sales agencies for hire to the public, or trailers used for business or display purposes. Coverage applies only to the body and chassis and to built-in accessories. If the camper is to be left at a camp site, it must be in our insuring area. If the Trailer or Camper Endorsement is required, the information on the trailer, camper, or truck camper and the premium amounts for comprehensive and collision coverage is added on the Vehicle tab under the Trailer and Camper List. The premium for the Trailer/Camper Body Coverage is calculated similar to an auto.


COVERAGE FOR DAMAGE TO YOUR AUTO (MAXIMUM LIMIT OF LIABILITY)

PP0308

The Coverage for Damage to Your Auto Maximum Limit Endorsement provides physical damage coverage for direct and accidental loss or damage to an auto at the lesser of the amount shown in the declaration or schedule, the amount necessary to repair with like kind and quality parts or replace, or the actual cash value. This endorsement replaces comprehensive and collision coverage (Part D of the policy). The premium charge for this endorsement is as follows:

Deductible Rate per $100 Value

$250 $2.00 $500 $1.65

$1000 $1.25

To insure an auto on a stated value basis, a bona fide appraisal from a qualified person must be attached to the policy with two current pictures clearly showing the condition of the auto if the auto is over $5000. If the auto is less than $5000 only two current pictures are required to be attached to the policy. You must receive prior Home Office approval before binding any stated value endorsement of $10,000 or greater. This endorsement is added on the Private Passenger Automobile Detail screen under the Vehicle tab. When you choose yes in the drop down for ‘Rate Based on Coverage for Damage to Your Auto Maximum Limit’ and then enter a Stated Amount, the endorsement is added.


EXCESS ELECTRONIC EQUIPMENT COVERAGE

PP0313

This endorsement provides coverage for loss to electronic equipment that reproduces, receives or transmits audio, visual, or data signals that is permanently installed in the auto. The agent and the applicant/insured must agree on the present actual cash value of the equipment. To have this endorsement, comprehensive and collision coverage must be carried.

There is no charge for this endorsement when the actual cash value of the equipment is $1000.00 or less. The premium is 5% of the actual cash value for anything $1001.00 or greater with a $25.00 minimum. This endorsement is added on the Private Passenger Automobile Detail screen under the Vehicle tab. On the coverage list at the bottom select ‘Add’ next to Excess Electronic Equipment Endorsement. Enter Equipment Description and Actual Cash Value and then Save.


EXCESS CUSTOM EQUIPMENT COVERAGE ENDORSMENT

PP0318

This endorsement provides coverage for the loss, direct or accidental, of custom furnishings such as installed special carpeting, furniture, television receivers, facilities for cooking or sleeping, murals, paintings, decals, graphics, or height extending roofs. The agent and the applicant/insured must agree on the present actual cash value of the equipment.

To have this endorsement, comprehensive and collision coverage must be carried. This endorsement is used when the actual cash value of the equipment is greater than $1500.00. The premium for the Excess Custom Equipment is 3% of the actual cash value of the equipment. If the actual cash value is less than $1500.00 see endorsement PP1306 – Custom Equipment Exclusion Endorsement. This endorsement is not needed on vans, Suburban’s and pickups that are customized by the factory or by a customizing shop. Use the following rules to insure them: FULL-SIZE LUXURY VANS (LV in Body Style) Use a symbol 21 on vans 1990 and newer. MINI VANS (MV in Body Style) Use a symbol 13. FULL-SIZE LUXURY PICKUPS (LP in Body Style) Use a symbol 21. MINI-SIZE PICKUPS (MP in Body Style) Use a symbol 13. CHEVROLET SUBURBAN LUXURY VEHICLE (LV in Body Style) Use a symbol 21. This procedure covers the customizing inside and outside the van. If the vans have no customizing at all, you will use the ISO Symbol. IF YOU HAVE ANY QUESTIONS WHETHER THIS ENDORSEMENT IS NEEDED, CONTACT THE HOME OFFICE. This endorsement is added on the Private Passenger Automobile Detail screen under the Vehicle tab. On the coverage list at the bottom select ‘Add’ next to Customized Equipment Endorsement. Enter Equipment Description and Actual Cash Value and then Save.


MISCELLANEOUS TYPE VEHCILE AMENDMENT (MOTOR HOMES)

PP0328

The coverage for Miscellaneous Type Vehicle Amendment (Motor Homes) This endorsement is added whenever a motor home has been added to the policy. This endorsement does not provide liability, medical payments or physical damage coverage while the motor home is rented or leased to any organization or any other person. Also, does not cover any physical damage loss you incur if the motor home is fraudulently acquired by any person or organization while in their care. A motor home is added on the vehicle tab under Motor Home List. There is no charge in premium for this endorsement.


JOINT OWNERSHIP COVERAGE

PP0334

Joint Ownership Coverage is added when a vehicle is owned by two or more individuals that are not spouses or non-resident relatives. There is a 10% premium increase for Bodily Injury, Property Damage, Comprehensive, and Collision coverage.


NAMED NON-OWNER COVERAGE – WISCONSIN

PP0350

The Named Non-Owner Coverage Endorsement provides liability coverage (Bodily Injury, Property Damage, Uninsured Motorist and Underinsured Motorist) for a driver who regularly drives an auto that the individual does not own. If the individual owns or uses an auto or is a Federally/State-owned auto in the performance of his duties as a Federal/State Government Employee, he must have this coverage. The Federal/State Government does not carry liability insurance on government vehicles or the employee while driving employee-owned vehicles in their employment. Under the Federal Tort Claims Act the Attorney General will, upon request, defend an employee in any civil action brought against an individual for bodily injury or property damage arising out of an accident occurring within the scope of employment. However, the employee must request the defense. The premium for the Named Non-Owned Coverage Endorsement is determined by the following:

Named Individual – 10% increase Individual & Resident Relative – 12% increase This endorsement is located on the Driver Detail screen and it asks the following: Does the driver regularly drive a non-owned vehicle(s) and does Named Non-Owned Coverage Endorsement need to be added? You must select yes to this question to add the endorsement.


UNINSURED MOTORISTS COVERGE – WISCONSIN

PP0427

Insures against loss resulting from liability imposed by law for bodily injury or death suffered by persons arising out of the ownership, maintenance, or use of a motor vehicle. The policy minimum limits are $25000 per person and $50,000 per accident. The provision is for the protection of injured persons who are legally entitled to recover damages from owners or operators of uninsured motor vehicles because of bodily injury, sickness or disease or death. Uninsured motor vehicle can be 1) an insured vehicle where the insurer is declared insolvent; 2) involved in a hit-and- run; 3) a phantom vehicle provided a third part verifies the facts of the claim. See the rating page for coverages and premiums.


UNDERINSURED MOTORISTS COVERAGE – WISCONSIN

PP0428 This coverage provides compensatory damages which an insured is legally entitled to recover from the owner or operator of an underinsured motor vehicle. An automobile policy option which covers one for property damage and bodily injury caused by another motorist whose coverage is insufficient to cover the damages one has suffered. This policy compensates the injured party for the difference between the injury suffered and the liability covered by the insurance of the driver at fault. See the endorsement for completed coverage details. See rating pages for premium charge.

http://www.investorwords.com/3728/policy.html

http://www.investorwords.com/3728/policy.html

http://www.investorwords.com/3477/option.html

http://www.investorwords.com/3477/option.html

http://www.investorwords.com/1178/cover.html

http://www.investorwords.com/1178/cover.html

http://www.investorguide.com/definition/property.html

http://www.investorguide.com/definition/property.html

http://www.investorwords.com/1179/coverage.html

http://www.investorwords.com/1179/coverage.html

http://www.investorguide.com/definition/cover.html

http://www.investorguide.com/definition/cover.html

http://www.investorguide.com/definition/damages.html

http://www.investorguide.com/definition/damages.html

http://www.investorguide.com/definition/compensate.html

http://www.investorguide.com/definition/compensate.html

http://www.investorguide.com/definition/party.html

http://www.investorguide.com/definition/party.html

http://www.investorguide.com/definition/liability.html

http://www.investorguide.com/definition/liability.html

http://www.investorguide.com/definition/covered.html

http://www.investorguide.com/definition/covered.html

http://www.investorwords.com/2510/insurance.html

http://www.investorwords.com/2510/insurance.html

http://www.investorwords.com/1586/driver.html

http://www.investorwords.com/1586/driver.html


COVERAGE FOR DAMAGE TO YOUR AUTO EXCLUSION ENDORSEMENT

PP1301

The Coverage for Damage to Your Auto Exclusion Endorsement is added when there is physical damage added to an auto. We will not pay for loss to your covered auto or any non-owned auto due to diminution in value. There is no charge for adding this endorsement.


TRUST ENDORSEMENT

PP1303

The Trust Endorsement allows a trust to be added to the policy when a trust or trustee is an owner of the auto.

There is no charge for adding this endorsement. The name of the trust and trustee(s) along with the address are needed. This endorsement is added using the Additional Interest tab and then selecting ‘Additional Insured – Trust’ in the drop down for Interest Type.


CUSTOMIZED EQUIPMENT EXCLUSION ENDORSEMENT

PP1306

Customized Equipment Exclusion Endorsement provides coverage for the loss, direct or accidental, of custom furnishings such as installed special carpeting, furniture, television receivers, facilities for cooking or sleeping, murals, paintings, decals, graphics, or height extending roofs. The agent and the applicant/insured must agree on the present actual cash value of the equipment. To have this endorsement, comprehensive and collision coverage must be carried. The premium for the Customized Equipment Endorsement is a charge of $50.00 when the equipment’s actual cash value is between $0.00 and $1500.00. If the actual cash value is over $1500.00 see endorsement PP0318 – Excess Custom Equipment Coverage. This endorsement is not needed on vans, Suburban’s and pickups that are customized by the factory or by a customizing shop. Use the following rules to insure them: FULL-SIZE LUXURY VANS (LV in Body Style) Use a symbol 21 on vans 1990 and newer. MINI VANS (MV in Body Style) Use a symbol 13. FULL-SIZE LUXURY PICKUPS (LP in Body Style) Use a symbol 21. MINI-SIZE PICKUPS (MP in Body Style) Use a symbol 13. CHEVROLET SUBURBAN LUXURY VEHICLE (LV in Body Style) Use a symbol 21. This procedure covers the customizing inside and outside the van. If the vans have no customizing at all, you will use the ISO Symbol. IF YOU HAVE ANY QUESTIONS WHETHER THIS ENDORSEMENT IS NEEDED, CONTACT THE HOME OFFICE. This endorsement is added on the Private Passenger Automobile Detail screen under the Vehicle tab. On the coverage list at the bottom select ‘Add’ next to Customized Equipment Endorsement. Enter Equipment Description and Actual Cash Value and then Save.


ADDITIONAL INSURED ENDORSEMENT

UWR920-30

The Additional Insured Endorsement allows a driver other than the named insured (applicant and spouse) the same rights under the policy as the named insured. The additional insured may be any driver other than the named insured; however, if the driver is an owner of an auto on the policy, he/she must be an additional insured. If the owner is a business or corporation, the business classification must be used in determining the Family Auto Classification Code. The premium for the Additional Insured Endorsement shall be figured by adding 8% to the auto on which he is listed as additional insured only if it is a business or corporation that is being added. All other types are not charged an additional premium. This endorsement is added using the Additional Interest tab and then selecting ‘Additional Insured – Business’ in the drop down for Interest Type.


UNREPAIRED DAMAGE ENDORSEMENT

UWR920-40 Always inspect all autos to be insured. If the auto(s) have unrepaired damage this endorsement must be issued. This endorsement must be issued whether the person is requesting liability only, physical damage only, or full coverage (liability and physical damage coverage). The dollar amount of the unrepaired damage must be determined and agreed to by the applicant/insured. If you do not feel qualified to make this decision, obtain a bona fide estimate or have a claims representative determine the amount of damage. Always encourage an insured to have all damage repaired. Generally, we will not accept autos with significant damage or damage which could create a safety hazard, or any auto with unrepaired damage in excess of 50% of the actual cash value. If there is a question as to the proper Underwriting decision, please contact the Home Office. A complete description of the damage and the dollar amount must be entered under the Endorsement Information. If necessary, fax a copy of the repair estimate to the home office. This endorsement is added on the Private Passenger Automobile Detail screen under the Vehicle tab and it asks the following question: Does vehicle have any existing damage? Answer yes to this question and then explain the damage and enter the dollar amount of damage to add the endorsement. There is no charge for adding this endorsement.


FEDERAL EMPLOYEES/CONTRACTORS USING AUTOS IN GOVERNMENT BUSINESS

UWR920-65

This endorsement clarifies that under the definition of an “insured”, The United States of America or any of its agencies are not included. Also, any employee as defined in Section 2679 of Title 28, United States Code. This requires the Attorney General of the United States to defend that person in a civil action as a result of a bodily injury or property damage claim. This endorsement is automatically added to all policies. There is no charge for this endorsement.


WAIVER OF DEDUCTIBLE – GLASS DAMAGE

UWR920-85

The coverage for Waiver of Deductible – Glass Damage If an insured vehicle is carrying comprehensive coverage, the deductible stated in the Declaration will not apply to the replacement of glass. The provisions of this endorsement do not apply to:

1. any light or any component of any light of your automobile; 2. sunroofs of any type; 3. removable roof panels of any type; or 4. mirrors of any type. The premium for this coverage is a flat $17.00 per vehicle.


EMERGENCY TOWING AND ROAD SERVICE COVERAGE

UWR920-90 The coverage for Emergency Towing and Road Service Coverage can only be added when a vehicle carries both comprehensive and collision coverage. The premium for this coverage is as follows:

Limit Premium

$75.00 $8.00 $100.00 $12.00

The coverage is added in the vehicle tab on the private passenger automobile detail under coverage. If there are multiple previous claims regarding Emergency Towing and Road Service, this coverage may not be eligible to be added to the policy.

Base Rate 25/50 50/100 100/300 250/500 500/500

61 1.000 1.160 1.420 1.760 2.000

Base Rate 10 15 25 50 100 250

41 1.000 1.030 1.050 1.150 1.260 1.370

Base Rate 1000 2000 5000 10000

7 1.000 1.650 3.000 4.780

Base Rate 250 500 1000 2500 5000

98 1.120 1.000 0.800 0.580 0.480

Base Rate 250 500 1000 2500 5000

66 1.250 1.000 0.800 0.600 0.500

Base Rate 25/50 50/100 100/300 250/500 500/500

10 1.000 1.150 1.320 1.560 1.900

Base Rate 50/100 100/300 250/500 500/500

9 1.160 1.330 1.570 1.920

Base Rate 250 500 1000

46 0.85 0.64 0.52

Base Rate 250 500 1000

97 0.750 0.550 0.450

150

Minimum Premium

Auto Policy with 1 Vehicle

Camper/Trailers - Collision Deductible

Camper/Trailers - Comprehensive Deductible

Bodily Injury

Property Damage

Uninsured Motorist

Underinsured Motorist

Base Rates & Coverage Factors

Medical Payments

Collision Deductible

Comprehensive Deductible

03/01/2020 III A-1 Madison Mutual Insurance Company (WI)

AGE BI PD MP Collision Comp BI PD MP Collision Comp BI PD MP Collision Comp BI PD MP Collision Comp

15 2.976 2.506 1.761 1.802 1.543 1.608 3.898 3.228 2.789 2.200 2.071 2.200

16 2.976 2.505 1.761 1.802 1.543 1.608 3.898 3.228 2.789 2.200 2.071 2.200

17 2.721 2.227 1.702 1.747 1.509 1.538 3.733 3.218 2.691 2.200 2.071 2.200

18 2.499 1.992 1.641 1.693 1.475 1.478 3.669 3.003 2.531 2.200 2.068 2.200

19 2.101 1.769 1.397 1.598 1.443 1.423 2.753 2.421 2.041 2.200 2.068 2.200

20 2.035 1.712 1.357 1.449 1.379 1.361 2.697 2.386 2.041 2.200 2.068 2.200

21 1.870 1.629 1.317 1.449 1.379 1.321 2.476 2.257 1.986 1.490 1.410 1.250

22 1.780 1.570 1.287 1.449 1.310 1.287 2.094 1.967 1.730 1.470 1.370 1.230

23 1.714 1.510 1.257 1.347 1.200 1.196 1.950 1.967 1.730 1.400 1.360 1.200

24 1.606 1.500 1.257 1.316 1.150 1.170 1.880 1.902 1.714 1.360 1.250 1.190

25 1.364 1.180 1.084 1.067 1.040 1.033 1.400 1.255 1.114 1.180 1.131 1.170

26 1.230 1.150 1.064 1.048 1.020 1.016 1.271 1.196 1.091 1.100 1.120 1.150

27 1.188 1.130 1.064 1.043 1.000 1.000 1.228 1.141 1.091 1.100 1.120 1.130

28 1.140 1.110 1.044 1.018 1.000 0.986 1.200 1.120 1.071 1.080 1.100 1.120

29 1.140 1.090 1.044 1.018 1.000 0.973 1.190 1.071 1.052 1.075 1.076 1.100

30 1.140 1.070 1.039 0.999 0.990 0.973 1.180 1.061 1.051 1.060 1.060 1.065

31 1.120 1.050 1.020 0.994 0.980 0.973 1.120 1.050 1.048 1.050 1.050 1.060

32 1.080 1.049 1.005 0.979 0.975 0.954 1.080 1.027 1.027 1.040 1.040 1.060

33 1.060 1.029 1.000 0.969 0.970 0.927 1.035 1.014 1.015 1.035 1.030 1.030

34 1.040 1.014 1.000 0.959 0.965 0.913 1.030 1.004 1.005 1.030 1.020 1.000

35 1.030 1.010 0.990 0.958 0.960 0.900 1.030 1.000 1.000 1.000 1.010 0.980

36 1.009 0.970 0.985 0.958 0.950 0.873 1.020 0.990 0.990 0.995 1.000 0.960

37 0.989 0.968 0.969 0.958 0.950 0.859 1.010 0.980 0.980 0.990 0.990 0.930

38 0.979 0.968 0.952 0.957 0.930 0.859 1.000 0.980 0.970 0.970 0.980 0.920

39 0.979 0.968 0.952 0.936 0.920 0.859 1.000 0.970 0.960 0.950 0.960 0.900

40 0.977 0.968 0.952 0.907 0.905 0.859 1.000 0.970 0.958 0.930 0.940 0.880

41 0.977 0.968 0.931 0.897 0.905 0.859 1.000 0.970 0.948 0.920 0.930 0.870

42 0.977 0.963 0.931 0.885 0.898 0.859 1.000 0.969 0.938 0.910 0.911 0.860

43 0.977 0.963 0.931 0.848 0.888 0.859 1.000 0.969 0.938 0.900 0.901 0.860

44 0.966 0.959 0.881 0.837 0.877 0.820 1.000 0.969 0.928 0.890 0.891 0.820

45 0.956 0.959 0.881 0.816 0.872 0.810 1.000 0.969 0.918 0.870 0.886 0.810

46 0.949 0.959 0.881 0.806 0.867 0.800 1.000 0.959 0.908 0.860 0.881 0.800

47 0.949 0.959 0.881 0.795 0.867 0.790 1.000 0.959 0.908 0.850 0.881 0.790

48 0.949 0.959 0.881 0.795 0.857 0.790 1.000 0.959 0.897 0.850 0.881 0.790

49 0.949 0.959 0.881 0.795 0.857 0.785 1.000 0.959 0.897 0.850 0.871 0.785

50 0.949 0.953 0.862 0.795 0.838 0.780 1.000 0.959 0.897 0.850 0.871 0.780

51 0.949 0.953 0.862 0.795 0.838 0.770 1.000 0.959 0.897 0.850 0.861 0.770

52 0.949 0.953 0.862 0.795 0.828 0.770 1.000 0.959 0.897 0.850 0.861 0.770

53 0.949 0.949 0.862 0.795 0.828 0.770 1.000 0.959 0.887 0.850 0.861 0.770

54 0.945 0.949 0.862 0.795 0.818 0.770 1.000 0.959 0.887 0.840 0.861 0.770

55 0.945 0.949 0.862 0.795 0.807 0.770 1.000 0.959 0.877 0.830 0.856 0.770

56 0.909 0.949 0.862 0.795 0.807 0.770 1.000 0.959 0.877 0.830 0.856 0.770

57 0.909 0.949 0.862 0.795 0.807 0.770 1.000 0.959 0.866 0.830 0.856 0.770

58 0.909 0.949 0.862 0.795 0.807 0.770 1.000 0.959 0.866 0.830 0.856 0.770

59 0.900 0.949 0.862 0.795 0.807 0.770 1.000 0.959 0.856 0.830 0.856 0.770

60 0.900 0.939 0.862 0.785 0.787 0.770 1.000 0.959 0.856 0.820 0.841 0.770

61 0.900 0.920 0.852 0.785 0.752 0.770 0.999 0.960 0.850 0.850 0.841 0.770

62 0.900 0.915 0.852 0.781 0.752 0.770 0.998 0.960 0.835 0.850 0.841 0.770

63 0.900 0.925 0.846 0.819 0.752 0.770 0.997 0.960 0.790 0.850 0.840 0.770

64 0.900 0.955 0.846 0.819 0.751 0.770 0.996 0.981 0.790 0.850 0.840 0.770

65 0.890 0.980 0.846 0.819 0.751 0.770 0.995 1.018 0.790 0.850 0.840 0.770

66 0.880 1.043 0.841 0.820 0.781 0.770 0.994 1.029 0.790 0.850 0.850 0.770

67 0.950 1.030 0.841 0.855 0.782 0.770 0.993 1.030 0.790 0.870 0.860 0.770

68 1.010 1.050 0.841 0.855 0.812 0.770 1.043 1.032 0.790 0.875 0.860 0.770

69 1.061 1.100 0.830 0.870 0.822 0.770 1.093 1.033 0.790 0.900 0.890 0.770

70 1.132 1.160 0.830 0.930 0.871 0.770 1.193 1.152 0.790 0.960 0.950 0.770

71 1.168 1.181 0.830 0.979 0.855 0.770 1.243 1.200 0.790 1.000 0.990 0.770

72 1.420 1.181 0.830 1.030 0.912 0.770 1.270 1.220 0.791 1.030 1.020 0.770

73 1.430 1.181 0.830 1.040 0.931 0.770 1.280 1.270 0.811 1.040 1.050 0.770

74 1.447 1.181 0.830 1.070 0.931 0.770 1.285 1.357 0.811 1.070 1.070 0.770

75 1.447 1.171 0.830 1.090 0.950 0.770 1.290 1.390 0.830 1.090 1.100 0.770

76 1.447 1.171 0.830 1.100 1.007 0.770 1.295 1.400 0.830 1.100 1.140 0.770

77 1.447 1.180 0.830 1.120 1.026 0.770 1.300 1.420 0.830 1.160 1.160 0.770

78 1.447 1.190 0.830 1.150 1.064 0.770 1.305 1.440 0.830 1.180 1.180 0.770

79 1.447 1.230 0.830 1.200 1.093 0.770 1.310 1.449 0.824 1.200 1.200 0.770

80+ 1.447 1.270 0.830 1.311 1.216 0.750 1.350 1.459 0.818 1.370 1.260 0.770

Single Female Married Female Single Male Married Male

Driver Class Rating Factors

09/01/2019 III B-1 Madison Mutual Insurance Company (WI)

09/01/2019 Madison Mutual Insurance Company (WI) III C-1

DISCOUNTS/SURCHARGES

The following is a list and explanation of premium discounts we are currently offering:

1. Vehicle Driver Matrix - This discount/surcharge is given based on the number of drivers on the policy and the number of vehicles on the policy. Trailers, campers, or Motor Homes (self-propelled units) do not qualify as a vehicle.

BI

Number of Vehicles

Number of Drivers 1 2 3 4 5+

1 1.000 0.900 0.900 0.900 0.900

2 1.050 0.900 0.900 0.900 0.900

3 1.100 0.900 0.900 0.900 0.900

4 1.150 0.900 0.900 0.900 0.900

5+ 1.200 0.900 0.900 0.900 0.900

PD

Number of Vehicles


1 1.000 0.850 0.800 0.800 0.800

2 1.050 0.900 0.850 0.800 0.800

3 1.100 0.950 0.950 0.950 0.950

4 1.150 0.950 0.950 0.950 0.950

5+ 1.200 0.950 0.950 0.950 0.950

MP

Number of Vehicles


1 1.000 0.850 0.850 0.800 0.800

2 1.050 0.900 0.850 0.800 0.800

3 1.100 0.950 0.950 0.950 0.950

4 1.150 0.950 0.950 0.950 0.950

5+ 1.200 0.950 0.950 0.950 0.950

Collision

Number of Vehicles


1 1.000 0.850 0.850 0.800 0.800

2 1.050 0.900 0.850 0.800 0.800

3 1.100 0.900 0.900 0.900 0.900

4 1.150 0.950 0.950 0.950 0.950

5+ 1.200 0.950 0.950 0.950 0.950

Comprehensive

Number of Vehicles


1 1.000 0.950 0.950 0.950 0.950

2 1.050 0.950 0.950 0.950 0.950

3 1.100 0.950 0.950 0.950 0.950

4 1.150 0.950 0.950 0.950 0.950

5+ 1.200 0.950 0.950 0.950 0.950

This discount applies to the premiums of Bodily Injury, Property Damage, Medical Payments, Comprehensive, and Collision coverage.


2. Good Student Discount - To receive this discount, the student must:

A. Be single, under 25 years of age, and the rated driver on an auto. B. Be enrolled as a full-time student in high school, college, university, or trade school. (12

hours is considered full time)

• Madison Mutual must be furnished with a statement by a school official once a year indicating one of the following achievements: a. The student must be in the upper 20% of their class b. Maintain a grade average of "B" in a school system that grades A, B, C, D & F c. Maintain a grade average of "4" in a school system that grades 5, 4, 3, 2, & 1 d. Maintain a grade average of "3" in a school system that grades 4, 3, 2, & 1 e. If the school has an Honor Roll or Dean's List, the student's name must be on

the list.

• The auto must be rated as a Private Passenger Auto.

• The Good Student Discount will be terminated when the student turns 25, gets married, or when we are not furnished with a statement by a school official.

• The Good Student will receive a 10% discount. This discount applies to the premiums of Bodily Injury, Property Damage, Medical Payments, Comprehensive, and Collision coverage.

3. Anti-Theft Device Discount – This discount is given when an anti-theft device is installed by the manufacturer and maintained in working condition. The comprehensive coverage premium to any auto which is rated as a private passenger auto is reduced by the following:

Definition Anti-Theft Discount

Alarm 0.90

Active Devices 0.90

Alarm Optional 0.90

Active Disabling 0.90

Active Disabling Optional 0.90

Active Disabling Standard, Alarm Optional 0.90

Passive Disabling 0.90

Passive Disabling Optional 0.90

Anti-Theft Device; Type Unknown Optional 1.00

Anti-Theft Device; Type Unknown 1.00

Anti-Theft Device Not Available 1.00

No Information Available 1.00

4. Auto-Home Discount - A discount of 15% will be given if the insured also has a homeowner policy (HO2, HO3, HO4, HO5, HO6, HO8) with the Company. This discount applies to the premiums of Bodily Injury, Property Damage, Medical Payments, Comprehensive, and Collision coverage. The discount will be added to existing policies at renewal and cannot be added mid-term. It does not apply to campers or trailers; it also does not apply to our Dwelling or Farmowners programs. (See homeowner discount section for details pertaining to the homeowner policies.)


5. 5-Year Loss Free Discount – A discount of 5% will be given to the insured drivers who have been loss free for 5 years. This discount applies to the premiums of Bodily Injury, Property Damage, Medical Payments Comprehensive, Collision, Uninsured Motorist, Underinsured Motorist coverages. It does not apply to campers and trailers.

6. Youthful Operator Surcharge – A surcharge of 8% will be added to all policies with at least one

youthful operator listed as a driver in the household. A youthful operator is a driver that is under the age of 25.

09/01/2019 Madison Mutual Insurance Company (WI) III D-1

INSURANCE SCORING A rating adjustment will be applied to the policy premium based on the insured’s personal finance level.

PERSONAL FINANCE

LEVEL

Tenure < 10 Tenure >= 10

BI PD MP UM UIM

COLL COMP BI PD MP UM UIM

COLL COMP

LEVEL 1 0.75 0.64 0.62 0.75 0.64 0.62

LEVEL 2 0.78 0.71 0.70 0.78 0.71 0.70

LEVEL 3 0.80 0.77 0.77 0.80 0.77 0.77

LEVEL 4 0.85 0.83 0.83 0.85 0.83 0.83

LEVEL 5 0.88 0.87 0.87 0.88 0.87 0.87

LEVEL 6 0.91 0.91 0.91 0.91 0.91 0.91

LEVEL 7 0.93 0.95 0.95 0.93 0.95 0.95

LEVEL 8 0.95 1.00 1.00 0.95 1.00 1.00

LEVEL 9 0.96 1.02 1.01 0.96 1.02 1.01

LEVEL 10 0.97 1.03 1.03 0.97 1.03 1.03

LEVEL 11 0.98 1.04 1.04 0.98 1.04 1.04

LEVEL 12 0.99 1.04 1.04 0.99 1.04 1.04

LEVEL 13 1.00 1.05 1.05 1.00 1.05 1.05

LEVEL 14 1.01 1.06 1.05 1.01 1.06 1.05

LEVEL 15 1.03 1.07 1.06 1.03 1.06 1.05

LEVEL 16 1.06 1.08 1.07 1.06 1.07 1.06

LEVEL 17 1.09 1.10 1.08 1.09 1.08 1.06

LEVEL 18 1.13 1.12 1.09 1.11 1.10 1.07

LEVEL 19 1.18 1.16 1.11 1.16 1.14 1.09

LEVEL 20 1.24 1.19 1.13 1.22 1.17 1.11

LEVEL 21 1.31 1.24 1.15 1.27 1.20 1.12

LEVEL 22 1.41 1.32 1.20 1.34 1.25 1.14

LEVEL 23 1.52 1.40 1.24 1.44 1.33 1.18

LEVEL 24 1.67 1.51 1.30 1.59 1.43 1.24

LEVEL 25 1.84 1.61 1.35 1.75 1.53 1.28

APPLICATION OF INSURANCE SCORING AND PERSONAL FINANCE LEVEL The insurance scoring adjustment will be based on the following criteria:

• New Business – The Personal Finance Level will be applied to all new applications. If there is more than one named insured, the higher of the two scores will apply.

• Renewal Business – The Personal Finance Level will be applied to existing business not yet scored. Thereafter, a new insurance score can be ordered at the request of the named insured or the insured’s agent once every 12 months.

• The Company will annually re-underwrite and rerate based upon a current credit report or insurance score if the insured or the insured’s agent makes a request unless the insurer’s treatment is as 1) otherwise approved by the Department; 2) the insured is already in the most favorably priced tier; 3) credit was not used for rating when the policy was initially written; or 4) the insurer has recalculated an insurance score or obtained an updated credit report of the consumer in the previous 12-month period.

• No-hits – If an insurance score is ordered and the result is a “no-hit” or “thin file”, the policy will be rated as “neutral” and will exclude the use of credit information and will use only other underwriting criteria.

• The Company will notify the insured/applicant in the event their application or policy is adversely affected by the use of insurance scoring. This adverse action can include the following: 1) rejecting an application; 2) cancelling or non-renewing a policy; 3) limiting coverage; 4) not applying the best rate; 5) not applying a discount; 6) surcharging at a higher rate; 7) a reduction in coverage. The insured/applicant will be notified of the four reasons that were the primary influences of the adverse action. The Company will not cancel or non-renew any policy where Insurance Scoring is the sole reason.

09/01/2019 Madison Mutual Insurance Company (WI) III E-1

AUTO, TRAILER, AND CAMPER SYMBOL DETERMINATION CHART

(For Autos for Which I.S.O. Symbol Is Not Available) (Call Home Office for the Factory A.D.P.)

1989 - 2010

A.D.P.* Symbol A.D.P.* Symbol

0 - 6,500 1 30,001 - 33,000 19

6,501 - 8,000 2 33,001 - 36,000 20

8,001 - 9,000 3 36,001 - 40,000 21

9,001 - 10,000 4 40,001 - 45,000 22

10,001 - 11,250 5 45,001 - 50,000 23

11,251 - 12,500 6 50,001 - 60,000 24

12,501 - 13,750 7 60,001 - 70,000 25

13,751 - 15,000 8 70,001 - 80,000 26

15,001 - 16,250 10 80,001 - 90,000 27

16,251 - 17,500 11 90,001 - 100,000 28**

17,501 - 18,750 12 100,001 - 110,000 29**

18,751 - 20,000 13 110,001 - 120,000 30**

20,001 - 22,000 14 120,001 - 130,000 31**

22,001 - 24,000 15 130,001 - 140,000 32**

24,001 - 26,000 16 140,001 - 150,000 33**

26,001 - 28,000 17 150,001 - 160,000 34**

28,001 - 30,000 18 160,001 - 999,999 35**

NOTE: ** Contact underwriting for Binding Authority at Symbol 28 and above.

* Factory A.D.P. – Manufacturer’s suggested advertised delivered price, including standardequipment only.


AUTO, TRAILER AND CAMPER SYMBOL DETERMINATION CHART

(For Autos for Which I.S.O. Symbol is not Available) (Call Home Office for the Factory A.D. P.)

After 2010

A.D.P.* Symbol A.D.P.* Symbol

0 - 3,000 1 31,001 - 32,000 37

3,001 - 5,500 2 32,001 - 33,000 38

5,501 - 8,000 3 33,001 - 34,000 39

8,001 - 9,000 4 34,001 - 35,000 40

9,001 - 10,000 5 35,001 - 36,000 41

10,001 - 11,000 6 36,001 - 37,000 42

11,001 - 12,000 7 37,001 - 38,000 43

12,001 - 13,000 8 38,001 - 39,000 44

13,001 - 14,000 10 39,001 - 40,000 45

14,001 - 15,000 11 40,001 - 41,250 46

15,001 - 15,625 12 41,251 - 42,500 47

15,626 - 16,250 13 42,501 - 43,750 48

16,251 - 16,875 14 43,751 - 45,000 49

16,876 - 17,500 15 45,001 - 46,250 50

17,501 - 18,125 16 46,251 - 47,500 51

18,126 - 18,750 17 47,501 - 48,750 52

18,751 - 19,375 18 48,751 - 50,000 53

19,376 - 20,000 19 50,001 - 52,500 54

20,001 - 20,625 20 52,501 - 55,000 55

20,626 - 21,250 21 55,001 - 57,500 56

21,251 - 21,875 22 57,501 - 60,000 57

21,876 - 22,500 23 60,001 - 65,000 58

22,501 - 23,125 24 65,001 - 70,000 59

23,126 - 23,750 25 70,001 - 75,000 60

23,751 - 24,375 26 75,001 - 80,000 61

24,376 - 25,000 27 80,001 - 85,000 62

25,001 - 25,625 28 85,001 - 90,000 63

25,626 - 26,250 29 90,001 - 95,000 64**

26,251 - 26,875 30 95,001 - 100,000 65**

26,876 - 27,500 31 100,001 - 110,000 66**

27,501 - 28,125 32 110,001 - 120,000 67**

28,126 - 28,750 33 120,001 - 130,000 68**

28,751 - 29,375 34 130,001 - 140,000 69**

29,376 - 30,000 35 140,001 - 150,000 70**

30,001 - 31,000 36 150,001 - 999,999 75**

NOTE: ** Contact underwriting for Binding Authority at Symbol 64 and above.

*Factory A.D.P. - Manufacturer's suggested advertised delivered price, including standard equipment only.


AUTO RAPA SYMBOL DETERMINATION CHART

If vehicle does not have an ISO RAPA Symbol established, use the following procedures to determine the RAPA Vehicle Symbols:

Property Damage RAPA Symbols

1. If a Prior Model Year version of the vehicle has been symbolled, use the Prior Model Year’s two-

character Symbol for the current model year.

2. If a Prior Model Year version of the vehicle has not been established, determine the two-

character Symbol for the current model year by using the Price New of the current model year

for Symbol One (see Chart below) and RAPA Character Two, use Vehicle Attribute Symbol K.

1981 and Newer Model Years

Price New RAPA Symbol Character One

0 - 12,500 A 12,501 - 13,750 B 13,751 - 15,000 C 15,001 - 17,500 D 17,501 - 18,750 E 18,751 - 20,000 F 20,001 - 22,000 G 22,001 - 24,000 H 24,001 - 30,000 J 30,001 - 33,000 K 33,001 - 36,000 L 36,001 - 45,000 M 45,001 - 80,000 N 80,001 and above P

Liability RAPA Symbols

1. If a Prior Model Year version of the vehicle has been symbolled, use the Prior Model Year’s two-

character Symbol for the current model year.

2. If a Prior Model Year version of the vehicle has not been symbolled or does not exist, determine

the two-character Symbol for the current model year by using RAPA Character One Symbol K

and RAPA Character Two Symbol M.

NOTE: ** Contact underwriting for Binding Authority at Symbol ‘P’ and above.

MODEL YEAR

1 2 3 4 5 6 7 8 10 11 12 13 14 15 16

2011 and Newer 0.310 0.380 0.470 0.580 0.660 0.730 0.810 0.870 0.940 1.000 1.060 1.110 1.160 1.220 1.270

2010 and Older 0.670 0.700 0.750 0.800 0.830 0.880 0.930 1.000 1.070 1.110 1.170 1.200 1.250 1.330 1.392

17 18 19 20 21 22 23 24 25 26 27 28 29 30 31

2011 and Newer 1.330 1.390 1.440 1.490 1.540 1.590 1.640 1.690 1.740 1.780 1.830 1.880 1.920 1.970 2.020

2010 and Older 1.462 1.537 1.610 1.720 1.950 2.160 2.430 2.557 2.670 2.910 3.500 4.000 4.750 5.429 5.965

32 33 34 35 36 37 38 39 40 41 42 43 44 45 46

2011 and Newer 2.060 2.100 2.150 2.190 2.250 2.320 2.390 2.450 2.520 2.580 2.650 2.710 2.780 2.840 2.910

2010 and Older 6.501 7.037 7.573 7.573 NA NA NA NA NA NA NA NA NA NA NA

47 48 49 50 51 52 53 54 55 56 57 58 59 60 61

2011 and Newer 2.990 3.070 3.150 3.220 3.300 3.380 3.450 3.570 3.720 3.880 4.040 4.290 4.620 4.960 5.310

2010 and Older NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA

62 63 64 65 66 67 68 69 70 71 72 73 74 75

2011 and Newer 5.670 6.040 6.410 6.770 7.320 8.060 8.790 9.520 10.260 11.000 11.740 12.480 13.220 13.960

2010 and Older NA NA NA NA NA NA NA NA NA NA NA NA NA NA

MODEL YEAR

1 2 3 4 5 6 7 8 10 11 12 13 14 15 16

2011 and Newer 0.440 0.550 0.670 0.770 0.820 0.850 0.880 0.920 0.960 1.000 1.030 1.060 1.080 1.110 1.130

2010 and Older 0.848 0.865 0.874 0.884 0.912 0.909 0.945 1.000 1.055 1.109 1.145 1.218 1.273 1.364 1.436

17 18 19 20 21 22 23 24 25 26 27 28 29 30 31

2011 and Newer 1.160 1.190 1.220 1.240 1.270 1.300 1.330 1.350 1.380 1.400 1.420 1.450 1.470 1.500 1.520

2010 and Older 1.527 1.600 1.673 1.764 1.836 1.945 2.055 2.218 2.455 2.709 4.746 4.802 4.858 4.419 4.969

32 33 34 35 36 37 38 39 40 41 42 43 44 45 46

2011 and Newer 1.540 1.570 1.590 1.610 1.640 1.670 1.700 1.720 1.750 1.770 1.800 1.820 1.840 1.860 1.890

2010 and Older 5.025 5.081 5.137 5.193 NA NA NA NA NA NA NA NA NA NA NA

47 48 49 50 51 52 53 54 55 56 57 58 59 60 61

2011 and Newer 1.920 1.940 1.970 2.000 2.030 2.050 2.080 2.120 2.170 2.230 2.290 2.390 2.510 2.630 2.780

2010 and Older NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA

62 63 64 65 66 67 68 69 70 71 72 73 74 75

2011 and Newer 2.960 3.130 3.310 3.480 3.740 4.090 4.440 4.790 5.130 5.480 5.830 6.180 6.530 6.880

2010 and Older NA NA NA NA NA NA NA NA NA NA NA NA NA NA

SYMBOL

Collision Symbol Rates

Comprehensive Symbol Rates

SYMBOL

09/01/2019 III F-1 Madison Mutual Insurance Company (WI)

Symbol 1 BI PD MED Symbol 2 BI PD MED Symbol 1 COMP COLL Symbol 2 COMP COLL

A 0.599 0.589 0.581 A 0.447 0.599 0.518 A 0.804 0.745 A 0.634 0.690

B 0.659 0.625 0.627 B 0.492 0.635 0.559 B 0.804 0.844 B 0.683 0.741

C 0.725 0.662 0.678 C 0.541 0.674 0.604 C 0.804 0.899 C 0.733 0.793

D 0.793 0.702 0.736 D 0.621 0.714 0.653 D 0.891 0.923 D 0.783 0.842

E 0.846 0.750 0.767 E 0.690 0.757 0.699 E 0.942 0.923 E 0.833 0.878

F 0.888 0.802 0.802 F 0.748 0.795 0.743 F 0.942 0.963 F 0.875 0.902

G 0.927 0.871 0.858 G 0.799 0.821 0.790 G 1.000 0.963 G 0.910 0.927

H 0.955 0.927 0.900 H 0.842 0.850 0.833 H 1.000 1.000 H 0.945 0.951

J 0.978 0.963 0.953 J 0.878 0.898 0.872 J 1.010 1.000 J 0.975 0.976

K 1.000 1.000 1.000 K 0.918 0.932 0.908 K 1.164 1.000 K 1.000 1.000

L 1.021 1.032 1.042 L 0.957 0.964 0.950 L 1.164 1.053 L 1.025 1.024

M 1.043 1.063 1.086 M 1.000 1.000 1.000 M 1.263 1.053 M 1.050 1.049

N 1.069 1.087 1.137 N 1.040 1.030 1.050 N 1.698 1.188 N 1.075 1.073

P 1.094 1.116 1.188 P 1.079 1.059 1.095 P (a) (b) P 1.100 1.098

R 1.129 1.149 1.245 R 1.123 1.088 1.142 R 1.130 1.135

T 1.164 1.182 1.289 T 1.174 1.115 1.185 T 1.165 1.183

U 1.223 1.213 1.346 U 1.228 1.140 1.220 U 1.205 1.232

V 1.284 1.247 1.413 V 1.297 1.174 1.250 V 1.250 1.293

W 1.348 1.295 1.484 W 1.402 1.199 1.288 W 1.298 1.366

X 1.415 1.361 1.558 X 1.493 1.233 1.332 X 1.360 1.439

Y 1.486 1.442 1.636 Y 1.590 1.306 1.398 Y 1.435 1.512

Z 1.510 1.585

0 1.585 1.659

1 1.660 1.732

2 1.735 1.805

3 1.815 1.878

4 1.900 1.951

5 1.985 2.024

6 2.075 2.098

7 2.170 2.171

8 2.265 2.244

9 2.404 2.320

Physical Damage RAPA SymbolsLiability RAPA Symbols

(a) For Comprehensive Coverage, add 0.430 to the Character N relativity for each $10,000 or fraction of $10,000 above $80,000.

(b) For Collision Coverage, add 0.256 to the Character N relativity for each $10,000 or fraction of $10,000 above $80,000.

*Physical Damage Symbol One 'P' must be submitted to underwriting for approval.

09/01/2019 III F-2 Madison Mutual Insurance Company (WI)

Auto Year 1 2 3 4 5 6 7 8 10 11 12 13 14 15 16

2010 0.608 0.792 0.921 0.921 1.050 1.050 1.142 1.142 1.289 1.289 1.455 1.455 1.713 1.713 2.082

2009 0.579 0.754 0.877 0.877 1.000 1.000 1.088 1.088 1.228 1.228 1.386 1.386 1.632 1.632 1.982

2008 0.544 0.614 0.789 0.789 0.895 0.895 1.000 1.000 1.088 1.088 1.246 1.246 1.456 1.456 1.789

2007 0.544 0.614 0.789 0.789 0.895 0.895 1.000 1.000 1.088 1.088 1.246 1.246 1.456 1.456 1.789

2006 - 1989 0.491 0.579 0.649 0.649 0.825 0.825 0.895 0.895 1.000 1.000 1.105 1.105 1.351 1.351 1.614

Auto Year 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31

2010 2.082 2.542 2.542 2.929 3.334 3.334 3.482 3.647 3.758 3.905 4.034 4.182 4.329 4.458 4.587

2009 1.982 2.421 2.421 2.789 3.175 3.175 3.316 3.474 3.579 3.719 3.842 3.982 4.123 4.246 4.368

2008 1.789 2.175 2.175 2.526 2.877 2.877 3.000 3.123 3.228 3.368 3.509 3.649 3.772 3.912 4.035

2007 1.789 2.175 2.175 2.526 2.877 2.877 3.000 3.123 3.228 3.368 3.509 3.649 3.772 3.912 4.035

2006 - 1989 1.614 1.895 1.895 2.211 2.526 2.526 2.614 2.719 2.877 3.018 3.140 3.281 3.386 3.526 3.667

Auto Year 32 33 34 35

2010 4.734 4.882 5.029 5.139

2009 4.509 4.649 4.789 4.895

2008 4.175 4.298 4.404 4.579

2007 4.175 4.298 4.404 4.579

2006 - 1989 3.789 3.930 4.070 4.193

Auto Year 1 2 3 4 5 6 7 8 10 11 12 13 14 15 16

2021 0.698 0.856 1.072 1.278 1.358 1.429 1.509 1.548 1.652 1.696 1.739 1.777 1.807 1.846 1.956

2020 0.681 0.835 1.046 1.247 1.325 1.395 1.473 1.510 1.612 1.655 1.697 1.734 1.764 1.802 1.909

2019 0.664 0.814 1.020 1.216 1.292 1.361 1.437 1.472 1.572 1.614 1.655 1.691 1.721 1.758 1.862

2018 0.647 0.793 0.994 1.185 1.259 1.327 1.401 1.434 1.532 1.573 1.613 1.648 1.678 1.714 1.815

2017 0.630 0.772 0.968 1.154 1.226 1.293 1.365 1.396 1.492 1.532 1.571 1.605 1.635 1.670 1.768

2016 0.613 0.751 0.942 1.123 1.193 1.259 1.329 1.358 1.452 1.491 1.529 1.562 1.592 1.626 1.721

2015 0.596 0.730 0.916 1.092 1.160 1.225 1.293 1.320 1.412 1.450 1.487 1.519 1.549 1.582 1.674

2014 0.579 0.709 0.890 1.061 1.127 1.191 1.257 1.282 1.372 1.409 1.445 1.476 1.506 1.538 1.627

2013 0.562 0.688 0.864 1.030 1.094 1.157 1.221 1.244 1.332 1.368 1.403 1.433 1.463 1.494 1.580

2012 0.546 0.668 0.839 1.000 0.998 1.123 1.185 1.208 1.293 1.262 1.362 1.450 1.447 1.450 1.534

2011 0.518 0.635 0.797 0.950 0.948 1.066 1.127 1.147 1.228 1.199 1.293 1.378 1.374 1.377 1.458

Auto Year 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31

2021 2.091 2.094 2.157 2.226 2.385 2.410 2.426 2.439 2.511 2.603 2.774 2.816 2.858 2.900 2.940

2020 2.040 2.043 2.105 2.172 2.327 2.351 2.367 2.380 2.443 2.540 2.707 2.748 2.789 2.830 2.869

2019 1.989 1.992 2.053 2.118 2.269 2.292 2.308 2.321 2.375 2.477 2.640 2.680 2.720 2.760 2.798

2018 1.938 1.941 2.001 2.064 2.211 2.233 2.249 2.262 2.307 2.414 2.573 2.612 2.651 2.690 2.727

2017 1.887 1.890 1.949 2.010 2.153 2.174 2.190 2.203 2.239 2.351 2.506 2.544 2.582 2.620 2.656

2016 1.836 1.839 1.897 1.956 2.095 2.115 2.131 2.144 2.171 2.288 2.439 2.476 2.513 2.550 2.585

2015 1.785 1.788 1.845 1.902 2.037 2.056 2.072 2.085 2.103 2.225 2.372 2.408 2.444 2.480 2.514

2014 1.734 1.737 1.793 1.848 1.979 1.997 2.013 2.026 2.035 2.162 2.305 2.340 2.375 2.410 2.443

2013 1.683 1.686 1.741 1.794 1.921 1.938 1.954 1.967 1.976 2.099 2.238 2.272 2.306 2.340 2.372

2012 1.634 1.637 1.623 1.742 1.865 1.882 1.897 1.910 1.918 2.038 2.173 2.311 2.303 2.303 2.303

2011 1.552 1.555 1.542 1.654 1.771 1.788 1.802 1.814 1.823 1.935 2.064 2.195 2.187 2.187 2.188

CAMPER/TRAILER - RELATIVITY FACTORS

Comprehensive

1989-2010

After 2010


Comprehensive

09/01/2019 III G-1 Madison Mutual Insurance Company (WI)

Auto Year 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46

2021 3.104 3.269 3.460 3.634 3.668 3.694 3.728 3.880 4.049 4.208 4.169 4.533 4.594 4.655 4.701

2020 3.029 3.190 3.376 3.546 3.579 3.605 3.638 3.786 3.951 4.106 4.093 4.424 4.483 4.542 4.588

2019 2.954 3.111 3.292 3.458 3.490 3.516 3.548 3.692 3.853 4.004 4.017 4.315 4.372 4.429 4.475

2018 2.879 3.032 3.208 3.370 3.401 3.427 3.458 3.598 3.755 3.902 3.941 4.206 4.261 4.316 4.362

2017 2.804 2.953 3.124 3.282 3.312 3.338 3.368 3.504 3.657 3.800 3.865 4.097 4.150 4.203 4.249

2016 2.729 2.874 3.040 3.194 3.223 3.249 3.278 3.410 3.559 3.698 3.789 3.988 4.039 4.090 4.136

2015 2.654 2.795 2.956 3.106 3.134 3.16 3.188 3.316 3.461 3.596 3.713 3.879 3.928 3.977 4.023

2014 2.579 2.716 2.872 3.018 3.045 3.071 3.098 3.222 3.363 3.494 3.637 3.770 3.817 3.864 3.910

2013 2.504 2.637 2.788 2.930 2.956 2.982 3.008 3.128 3.265 3.392 3.531 3.661 3.706 3.751 3.797

2012 2.431 2.560 2.707 2.845 2.814 2.791 2.920 3.037 3.170 3.293 3.428 3.554 3.695 3.684 3.686

2011 2.309 2.432 2.572 2.702 2.674 2.651 2.774 2.885 3.011 3.128 3.256 3.376 3.510 3.499 3.501

Auto Year 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61

2021 4.714 4.716 4.717 4.753 4.788 4.824 4.860 4.888 4.924 4.959 4.995 5.027 5.241 5.557 5.937

2020 4.600 4.602 4.603 4.638 4.672 4.707 4.742 4.770 4.805 4.839 4.874 4.905 5.106 5.422 5.794

2019 4.486 4.488 4.489 4.523 4.556 4.590 4.624 4.652 4.686 4.719 4.753 4.783 4.971 5.287 5.651

2018 4.372 4.374 4.375 4.408 4.440 4.473 4.506 4.534 4.567 4.599 4.632 4.661 4.836 5.152 5.508

2017 4.258 4.260 4.261 4.293 4.324 4.356 4.388 4.416 4.448 4.479 4.511 4.539 4.701 5.017 5.365

2016 4.144 4.146 4.147 4.178 4.208 4.239 4.270 4.298 4.329 4.359 4.390 4.417 4.566 4.882 5.222

2015 4.030 4.032 4.033 4.063 4.092 4.122 4.152 4.180 4.210 4.239 4.269 4.295 4.431 4.747 5.079

2014 3.916 3.918 3.919 3.948 3.976 4.005 4.034 4.062 4.091 4.119 4.148 4.173 4.296 4.612 4.936

2013 3.802 3.804 3.805 3.833 3.860 3.888 3.916 3.944 3.972 3.999 4.027 4.051 4.170 4.477 4.793

2012 3.691 3.693 3.694 3.678 3.668 3.654 3.658 3.712 3.791 3.873 3.870 3.933 4.049 4.347 4.653

2011 3.507 3.509 3.509 3.494 3.485 3.472 3.476 3.526 3.601 3.679 3.677 3.736 3.846 4.129 4.420

Auto Year 62 63 64 65 66 67 68 69 70 71 72 73 74 75

2021 6.350 6.755 7.170 7.575 8.199 9.019 11.866 10.657 11.485 12.313 13.141 13.969 14.797 15.625

2020 6.196 6.592 6.997 7.392 8.000 8.801 10.764 10.399 11.207 12.015 12.823 13.631 14.439 15.247

2019 6.042 6.429 6.824 7.209 7.801 8.583 9.662 10.141 10.929 11.717 12.505 13.293 14.081 14.869

2018 5.888 6.266 6.651 7.026 7.602 8.365 8.560 9.883 10.651 11.419 12.187 12.955 13.723 14.491

2017 5.734 6.103 6.478 6.843 7.403 8.147 7.458 9.625 10.373 11.121 11.869 12.617 13.365 14.113

2016 5.580 5.940 6.305 6.660 7.204 7.929 7.696 9.367 10.095 10.823 11.551 12.279 13.007 13.735

2015 5.426 5.777 6.132 6.477 7.005 7.711 7.934 9.109 9.817 10.525 11.233 11.941 12.649 13.357

2014 5.272 5.614 5.959 6.294 6.806 7.493 8.172 8.851 9.539 10.227 10.915 11.603 12.291 12.979

2013 5.118 5.451 5.786 6.111 6.607 7.275 7.934 8.593 9.261 9.929 10.597 11.265 11.933 12.601

2012 4.969 5.292 5.617 5.933 6.415 7.063 7.703 8.343 8.991 9.640 10.288 10.937 11.585 12.234

2011 4.720 5.028 5.336 5.636 6.094 6.709 7.318 7.925 8.541 9.157 9.773 10.389 11.006 11.622


Auto Year 1 2 3 4 5 6 7 8 10 11 12 13 14 15 16

2010 0.700 0.840 0.910 0.910 0.980 0.980 1.120 1.120 1.155 1.155 1.575 1.575 1.925 1.925 2.450

2009 0.667 0.800 0.867 0.867 0.933 0.933 1.067 1.067 1.100 1.100 1.500 1.500 1.833 1.833 2.333

2008 0.633 0.733 0.800 0.800 0.867 0.867 1.000 1.000 1.033 1.033 1.233 1.233 1.667 1.667 2.067

2007 0.633 0.733 0.800 0.800 0.867 0.867 1.000 1.000 1.033 1.033 1.233 1.233 1.667 1.667 2.067

2006 - 1989 0.533 0.667 0.733 0.733 0.833 0.833 0.900 0.900 0.933 0.933 1.133 1.133 1.500 1.500 1.900

Auto Year 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31

2010 2.450 3.150 3.150 3.780 4.445 4.445 4.795 5.005 5.285 5.495 5.810 6.055 6.300 6.580 6.895

2009 2.333 3.000 3.000 3.600 4.233 4.233 4.567 4.767 5.033 5.233 5.533 5.767 6.000 6.267 6.567

2008 2.067 2.700 2.700 3.233 3.867 3.867 4.033 4.300 4.600 4.800 5.067 5.300 5.567 5.800 6.033

2007 2.067 2.700 2.700 3.233 3.867 3.867 4.033 4.300 4.600 4.800 5.067 5.300 5.567 5.800 6.033

2006 - 1989 1.900 2.367 2.367 2.833 3.267 3.267 3.467 3.733 3.967 4.200 4.433 4.700 4.967 5.167 5.467

Auto Year 32 33 34 35

2010 7.070 7.630 8.785 9.065

2009 6.733 7.267 8.367 8.633

2008 6.300 6.600 6.800 7.067

2007 6.300 6.600 6.800 7.067

2006 - 1989 5.733 5.967 6.233 6.433

Auto Year 1 2 3 4 5 6 7 8 10 11 12 13 14 15 16

2021 0.710 0.885 1.149 1.299 1.298 1.381 1.398 1.424 1.607 1.615 1.631 1.655 1.658 1.661 1.945

2020 0.693 0.864 1.121 1.267 1.267 1.347 1.364 1.390 1.568 1.576 1.591 1.615 1.618 1.621 1.898

2019 0.676 0.843 1.093 1.235 1.236 1.313 1.330 1.356 1.529 1.537 1.551 1.575 1.578 1.581 1.851

2018 0.659 0.822 1.065 1.203 1.205 1.279 1.296 1.322 1.490 1.498 1.511 1.535 1.538 1.541 1.804

2017 0.642 0.801 1.037 1.171 1.174 1.245 1.262 1.288 1.451 1.459 1.471 1.495 1.498 1.501 1.757

2016 0.625 0.780 1.009 1.139 1.143 1.211 1.228 1.254 1.412 1.420 1.431 1.455 1.458 1.461 1.710

2015 0.608 0.759 0.981 1.107 1.112 1.177 1.194 1.220 1.373 1.381 1.391 1.415 1.418 1.421 1.663

2014 0.591 0.738 0.953 1.075 1.081 1.143 1.160 1.186 1.334 1.342 1.351 1.375 1.378 1.381 1.616

2013 0.574 0.717 0.925 1.043 1.050 1.109 1.126 1.152 1.295 1.303 1.311 1.335 1.338 1.341 1.569

2012 0.557 0.696 0.898 1.013 1.019 1.077 1.093 1.118 1.257 1.250 1.273 1.296 1.294 1.302 1.523

2011 0.524 0.655 0.844 0.953 0.958 1.013 1.028 1.051 1.182 1.176 1.198 1.219 1.217 1.224 1.432

Auto Year 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31

2021 2.260 2.265 2.266 2.479 2.721 2.743 2.748 2.751 2.762 3.002 3.253 3.524 3.583 3.634 3.686

2020 2.205 2.210 2.211 2.419 2.655 2.676 2.682 2.685 2.695 2.929 3.174 3.439 3.496 3.546 3.597

2019 2.150 2.155 2.156 2.359 2.589 2.609 2.616 2.619 2.628 2.856 3.095 3.354 3.409 3.458 3.508

2018 2.095 2.100 2.101 2.299 2.523 2.542 2.550 2.553 2.561 2.783 3.016 3.269 3.322 3.370 3.419

2017 2.040 2.045 2.046 2.239 2.457 2.475 2.484 2.487 2.494 2.710 2.937 3.184 3.235 3.282 3.330

2016 1.985 1.990 1.991 2.179 2.391 2.408 2.418 2.421 2.427 2.637 2.858 3.099 3.148 3.194 3.241

2015 1.930 1.935 1.936 2.119 2.325 2.341 2.352 2.355 2.360 2.564 2.779 3.014 3.061 3.106 3.152

2014 1.875 1.880 1.881 2.059 2.259 2.274 2.286 2.289 2.293 2.491 2.700 2.929 2.974 3.018 3.063

2013 1.820 1.825 1.826 1.999 2.193 2.207 2.220 2.223 2.226 2.418 2.621 2.844 2.887 2.930 2.974

2012 1.767 1.772 1.773 1.941 2.129 2.143 2.155 2.152 2.161 2.348 2.545 2.761 2.749 2.752 2.737

2011 1.661 1.666 1.668 1.825 2.002 2.015 2.027 2.024 2.032 2.208 2.394 2.597 2.585 2.589 2.574

After 2010


Collision

1989-2010


Collision


Auto Year 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46

2021 3.736 4.010 4.261 4.525 4.575 4.640 4.704 4.922 5.177 5.409 5.728 6.042 6.352 6.354 6.356

2020 3.646 3.913 4.158 4.415 4.465 4.528 4.590 4.803 5.052 5.278 5.590 5.896 6.198 6.200 6.202

2019 3.556 3.816 4.055 4.305 4.355 4.416 4.476 4.684 4.927 5.147 5.452 5.750 6.044 6.046 6.048

2018 3.466 3.719 3.952 4.195 4.245 4.304 4.362 4.565 4.802 5.016 5.314 5.604 5.890 5.892 5.894

2017 3.376 3.622 3.849 4.085 4.135 4.192 4.248 4.446 4.677 4.885 5.176 5.458 5.736 5.738 5.740

2016 3.286 3.525 3.746 3.975 4.025 4.080 4.134 4.327 4.552 4.754 5.038 5.312 5.582 5.584 5.586

2015 3.196 3.428 3.643 3.865 3.915 3.968 4.020 4.208 4.427 4.623 4.900 5.166 5.428 5.430 5.432

2014 3.106 3.331 3.540 3.755 3.805 3.856 3.906 4.089 4.302 4.492 4.762 5.020 5.274 5.276 5.278

2013 3.016 3.234 3.437 3.645 3.695 3.744 3.792 3.970 4.177 4.361 4.624 4.874 5.120 5.122 5.124

2012 2.928 3.140 3.337 3.539 3.517 3.493 3.682 3.854 4.055 4.234 4.489 4.732 4.971 4.961 4.975

2011 2.753 2.954 3.138 3.329 3.308 3.284 3.463 3.626 3.813 3.982 4.223 4.450 4.676 4.665 4.678

Auto Year 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61

2021 6.368 6.369 6.370 6.391 6.402 6.415 6.435 6.504 6.614 6.750 6.798 6.963 7.187 7.528 7.963

2020 6.214 6.215 6.216 6.236 6.247 6.260 6.279 6.347 6.454 6.586 6.634 6.795 7.013 7.346 7.770

2019 6.060 6.061 6.062 6.081 6.092 6.105 6.123 6.190 6.294 6.422 6.470 6.627 6.839 7.164 7.577

2018 5.906 5.907 5.908 5.926 5.937 5.950 5.967 6.033 6.134 6.258 6.306 6.459 6.665 6.982 7.384

2017 5.752 5.753 5.754 5.771 5.782 5.795 5.811 5.876 5.974 6.094 6.142 6.291 6.491 6.800 7.191

2016 5.598 5.599 5.600 5.616 5.627 5.640 5.655 5.719 5.814 5.930 5.978 6.123 6.317 6.618 6.998

2015 5.444 5.445 5.446 5.461 5.472 5.485 5.499 5.562 5.654 5.766 5.814 5.955 6.143 6.436 6.805

2014 5.290 5.291 5.292 5.306 5.317 5.330 5.343 5.405 5.494 5.602 5.650 5.787 5.969 6.254 6.612

2013 5.136 5.137 5.138 5.151 5.162 5.175 5.187 5.248 5.334 5.438 5.486 5.619 5.795 6.072 6.419

2012 4.986 4.972 4.988 5.001 5.012 5.002 5.036 5.095 5.179 5.280 5.326 5.455 5.626 5.895 6.232

2011 4.690 4.675 4.691 4.703 4.714 4.704 4.737 4.791 4.870 4.966 5.010 5.131 5.291 5.544 5.861

Auto Year 62 63 64 65 66 67 68 69 70 71 72 73 74 75

2021 8.473 8.962 9.474 9.963 10.714 11.706 12.707 13.712 14.683 15.691 16.689 17.691 18.690 19.691

2020 8.268 8.745 9.245 9.722 10.454 11.423 12.400 13.380 14.328 15.311 16.285 17.263 18.238 19.215

2019 8.063 8.528 9.016 9.481 10.194 11.140 12.093 13.048 13.973 14.931 15.881 16.835 17.786 18.739

2018 7.858 8.311 8.787 9.240 9.934 10.857 11.786 12.716 13.618 14.551 15.477 16.407 17.334 18.263

2017 7.653 8.094 8.558 8.999 9.674 10.574 11.479 12.384 13.263 14.171 15.073 15.979 16.882 17.787

2016 7.448 7.877 8.329 8.758 9.414 10.291 11.172 12.052 12.908 13.791 14.669 15.551 16.430 17.311

2015 7.243 7.660 8.100 8.517 9.154 10.008 10.865 11.720 12.553 13.411 14.265 15.123 15.978 16.835

2014 7.038 7.443 7.871 8.276 8.894 9.725 10.558 11.388 12.198 13.031 13.861 14.695 15.526 16.359

2013 6.833 7.226 7.642 8.035 8.634 9.442 10.251 11.056 11.843 12.651 13.457 14.267 15.074 15.883

2012 6.634 7.016 7.419 7.801 8.383 9.167 9.952 10.734 11.498 12.283 13.065 13.851 14.635 15.420

2011 6.239 6.598 6.978 7.336 7.884 8.621 9.359 10.096 10.813 11.552 12.289 13.028 13.764 14.503


09/01/2019 Madison Mutual Insurance Company (WI) IV A-1

CLAIM PROCESSING

If an insured or third-party claimant comes to your office to report a claim, please phone the Home Office at (800)766-6642 and let the person speak directly with a Claim Department Customer Service representative.

If an insured or third-party claimant telephones your office to report a claim, please give them the Home Office toll-free phone number (800)766-6642 and ask that they call and speak directly with a Claim Department Customer Service representative. You may also give the customer our website, www.madisonmutual.com, where they can also report the loss.

Never admit liability or coverage on a claim. If an insured or claimant questions these procedures, merely explain that we have professional claims representatives at the Home Office, and they can:

• Provide the best service for efficient claims settlement

• Authorize claims settlement on the phone (within specified parameters)

• Help with the selection of a body shop, contractor, etc. convenient to the insured or claimant

If the insured/claimant refuses to call the Home Office, the agent must call the Home Office Claim Customer Service Department immediately to report the claim.

http://www.madisonmutual.com/


09/01/2019 Madison Mutual Insurance Company (WI) IV B-1

BILLING PAYMENT OPTIONS

Our automobile program offers three payment options to policyholders. These options are the following:

• Direct Bill – Pay in Full

• Direct Bill – 3 Pay with two months required down and the first installment due approximately forty-five days after the initial premium. The third installment will then be forty-five days later.

• Automated Debit 6 Pay - A monthly (ACH) with two down payment options.o 20% down payment with 4 remaining installments on the first termo 33% down payment with 4 remaining installments on the first term

Down payments on any bill plan option can be made by the following payment types:

• ACH from the customer’s account

• ACH Trust from the agent’s trust account

• Credit Card

Automated Debit 6 Pay requires an authorization form to be completed and attached to the policy or kept in the agency office. There is a $1 service charge per installment when selecting this method of payment. This type of payment does require an immediate down-payment. If no money is collected, an immediate transaction will pull from the customer’s account.

There is a $20 Insufficient Fund charge when a payment is not honored by the financial institution

Credit cards can be used with our Direct Bill payment options. A current email address is required with this form of payment. There is a $5 service charge per installment.

In order to finalize any outstanding balances, there is a minimum seven day delay until any refunds are processed.

In the event we receive an overpayment on a policy, the entire amount will be applied to the following installment and will not be divided among the remaining installments.

If a policy is cancelled for non-payment and a payment is later received there are two options:

• Reinstate with a lapse in coverage. This is allowed only within 14 days after cancellation and thereis no coverage during this time. Payments received after the 14 days will be returned

• If 30 days past the due date, a new application must be submitted as new business and all previousdiscounts will not apply



HOMEOWNER UNDERWRITING MANUAL INDEX

SECTION I - PROPERTY UNDERWRITING GUIDELINES

A. Agent’s Underwriting Guidelines B. Agent’s Authority Guidelines C. Coverage Minimums

SECTION II - HOMEOWNER POLICY TYPES & ENDORSEMENTS

A. Policy Types B. Endorsement List C. Dwelling Endorsement Description/Guidelines/Rating D. Homeowner Endorsement Description/Guidelines/Rating E. Madison Mutual Endorsement (MM) Description/Guidelines/Rating

SECTION III - HOMEOWNER RATING

A. Other Rating Factors B. Increased/Reduced Coverage C. Discounts and Surcharges D. Insurance Scoring

SECTION IV - HOMEOWNER PROCESSING

A. Signature Requirements B. Billing Payment Options C. Claim Processing


AGENT’S UNDERWRITING GUIDELINES

An application for insurance is submitted at the discretion of the agent, who should use all available information in the field underwriting process. The Home Office uses all information including the application, the history we maintain and other sources of public information. We view the integrity of the information on the application with major importance. The truthfulness of the details of claims is important to the underwriting decision. It is important to note that the underwriting process is based on all available information. On HO-2, HO-3, HO-5, HO-8, DP-1, DP-2, and DP-3 policies photographs are suggested for all property regardless of age and should be emailed Underwriting Department. Photos should be taken from opposite diagonal corners of the dwelling and at least one photo of each additional structure. The Agent should be familiar with the property and have completed a physical inspection. The property should show good care and maintenance and show pride of ownership.

All Dwelling and Homeowner forms Except HO-4 and HO-6 must have an e2Value property valuation fully completed. If the home is 25 years or older, it must be closely scrutinized so that replacement cost coverage is adequately maintained to reflect policy co-insurance requirements. Inspection Guidelines:

• Exterior inspections will be ordered on all new business policies. These inspections will include detailed roof inspections.

• Homes built prior to 1950 will require an interior and exterior inspection.

• Inspections may also be ordered at the discretion of the underwriter. All Modular Homes:

• Must not be older than 25 years.

• Will be subject to a Company safety review.

• Must meet all other Underwriting criteria.

All Condominium Policies:

• Cannot be owned by a corporation or partnership

• Cannot be occupied by more than one additional family or more than two boarders.

• A unit may be rented to others; however, if a unit is rented to others the HO2470 must be added.

• Certain occupancies incidental to the dwelling are permitted provided that the premises is used primarily for dwelling purposes and there are no other ineligible business exposures.

• If there are more than two attached units, they cannot have a common attic. Firewalls between units are desired.

Co-Insurance Requirements:

• DP-3, HO-2 and HO-3 must meet the 80% co-insurance requirement.

• We prefer that you write coverage A for 90% of replacement cost.

• HO-5 must be written for 100% of replacement cost. Rental Dwellings

• Up to 4 rental dwellings are allowed with supporting coverage The Named Insured Must:

• Be on the deed of the home.

• Be a member of the household. Trampolines

• All trampolines must be properly anchored, and padding must cover springs, and must have netting.


In-Ground Pools

• Must have a 4-foot fence with a locking gate.

• Pools with diving boards are eligible if the depth is 8 feet or more and if the board is no more than 20 inches above the water level.

• Slides are eligible with a minimum pool depth of 5 feet.

Above-Ground Pools

• pools require a locking gate if they are more than 48” in height

• A 4-foot fence with locked gate or an elevated decking completely surrounding the pool and a retractable ladder that leads to a self-closing, self-locking gate.

• Diving boards and pool slides are not eligible with above ground pools.

Protection Class

• The protection class listings received by ISO LOCATION (PPC) apply to risks insured under Homeowner Policies.

• Single Class: In a classified area where the primary responding fire department has a single classification (e.g. 6,) applies for all properties located within the classified area.

• Split Classification: In a classified are where two or more classifications are shown, the classifications will be displayed as “#/#X” (e.g. 6/6X). We are currently using a PC 9 or 10 for any split classifications using an ‘X’ or ‘Y.’ The classification is assigned as follows:

Distance to Primary Responding Fire

Department Protection Class

A. 5 Road miles or less and within 1,000 feet of a hydrant

Use the first class shown (e.g. 6/6X), use class 6

B. 5 road miles or less and over 1,000 feet to hydrant

Use the second class shown (e.g. 6/6X), use 6X

C. More than five, but less than seven road miles and within 1000 feet of hydrant

Use Class 10W

D. For properties not qualifying for A, B, or C. above

Use Class 10

Liability Requirements

All ATV’s, watercraft (boats, jet skis, wave runners, etc.), snowmobiles and dwellings not insured for liability by MMIC must be specifically insured for liability coverage by another insurance company.

03/15/2019 Madison Mutual Insurance Company (WI) I B-1

AGENT’S AUTHORITY GUIDELINES

The agent is authorized to submit business in accordance with all Company guidelines and requirements. At the time of submission the agent will be advised regarding acceptability and whether the risk has been approved. Additional information may be required before the risk is approved. In this situation no coverage is in effect until authority is given by the Company underwriter. The agent will be notified regarding any risk that does not meet the Company guidelines. All properties should be inspected prior to submitting for approval. Dwellings with an estimated replacement cost exceeding the actual cash value of the dwelling by 150% or more must be submitted for underwriting approval. If Coverage A (Replacement Cost) exceeds the actual cash value or purchase amount by 150%, the application must be submitted to underwriting for approval.

The dwelling must have the following:

• An approved central heating system, which is thermostatically controlled, which directly distributes

heat to all rooms in the dwelling by way of ducts or in the case of hot-water heat, a steam or hot-water system. Wood heating appliances are acceptable, but it cannot be the principal source of heat and must meet all National Fire Protection Association regulations and must be UL approved.

• Full masonry foundation under the dwelling exterior supporting walls.

• Basements with a dirt floor are not acceptable.

• Porches are to be secured and adequately footed.

• A modern indoor plumbing system permanently piped to a reliable water supply.

• Yard maintenance to include the cutting of grass and the disposal of any debris around the dwelling and additional structures.

• A modern electrical system with minimum amperage of 100 is required, 200 amperage is required for dwellings with electric heat and other appliances.

• Porches or decks more than 2 feet off the ground or with three (3) or more steps leading to them must be protected with properly installed handrails.

Roofs in good repair and within the following "maximum" age requirements are acceptable:

• Metal roofs are accepted with cosmetic damage endorsement added.

• Architectural shingles, 20 years.

• Vulcanized (seamless rubber roofing) 30 years.

• Asphalt or fiberglass, 15 years or less in good condition is acceptable.

• Roofs older than 15 years old and/or showing excessive wear will only be considered with the ACV endorsement.

Do not Submit: Applications should not be submitted if any of the following conditions exist:

• Dwelling is in deteriorating condition.

• Structures with settling or cracking of foundation and/or walls.

• Coverage A over $750,000

• Dwelling is isolated.

• Property is for sale.

• Vacant or Unoccupied, unless under new construction.

• Dwelling under renovation or undergoing extensive remodeling.

• Dwelling is used for more than a two-family residence.

• Commercial or apartment buildings.

• Residences used for the purpose of college housing.

• Daycare on premises.

• Slate, roll, tin, rock, tar, gravel, or wood roofs.

• Log cabins

• Dwellings with wood shake siding.

• Mobile home, trailer home or house trailer.

• Dwellings over 75 years old without functional replacement cost endorsement.


• Dwellings with metal siding without cosmetic damage endorsement.

• Dwelling has an indoor swimming pool.

• Dwellings with asbestos or asphalt siding.

• Wood stoves in garage or other outbuildings are not acceptable.

• Risks that have knob and tube wiring.

• Risks that have a Doberman, Chow, Pit Bull, Staffordshire Terrier, Rottweiler, Mastiff, Wolf Hybrid, Presa Canarios, or Akita, including any dog that is a mix of one of these are not acceptable and should not be submitted.

• Animals with past biting history or territorial behavior (pack mentality).

• Risks with animals other than domestic animals. Unacceptable animals include: Horses, farm animals, exotic animals and reptiles.

• Modular homes older than 25 years

• FPE Stab-Lok electrical panels are not acceptable.

• Prior Insurance: Applicant must have prior insurance including policies that have lapsed or cancelled for nonpayment. This does not apply to first time home buyer when living with parents.

• Risks with more than two losses in the last five years should be submitted to underwriting for approval.

• A dwelling application (DP-1, DP-2 and DP-3) should not be submitted without a supporting homeowner‘s or farmowner’s policy unless the risk is for new construction of a primary dwelling.

• Seasonal homes should be submitted under the dwelling program and must have the supporting primary home under the homeowner or farmowner program.

• Builders Risk (dwellings under construction) needs to be written in the dwelling program. The maximum authority for:

• Coverage A is $500,000.

• Coverage C on an HO-4 is $100,000.

• Coverage C on an HO-6 is $275,000. The agent should call underwriting if there is a question as to the correct decision or if there are special or extenuating circumstances which you believe could affect the decision. Copies of signed applications and all applicable forms should be maintained in agent’s files (See page IV B-1 for signature requirements).

• Signed Cancellation Forms

• Copy of Power of Attorney Forms when applicable

• Signed ACH Agreements

• Signed ACH Cancellations


COVERAGE MINIMUMS

Primary residences are the only dwellings eligible for the Homeowner Program. All other residences must be placed in the Dwelling Program. The following limits of liability are required:

Coverage HO-2 HO-3 HO-4 HO-5 HO-6 HO-8

A. Dwelling 75,000 125,000 ** 200,000 5,000 40,000

B. Other Structures10% of

Cov A

10% of

Cov A**

10% of

Cov A**

10% of

Cov A

C. Personal Property50% of

Cov A

50% of

Cov A

20,000

Min.

Limit

80% of

Cov A

20,000

Min.

Limit

50% of

Cov A

D. Loss of Use30% of

Cov A

30% of

Cov A

30% of

Cov C

30% of

Cov A

50% of

Cov C

10% of

Cov A

SECTION II

E. Personal Liability 100,000 100,000 100,000 300,000 100,000 100,000

F. Medical Payments 1,000 1,000 1,000 2,000 1,000 1,000

Minimum Premium 150 175 150 225 150 150

SECTION I

MINIMUM LIMITS

Minimum Premium Based on Coverage A Coverage A Minimum Deductible Minimum Premium

50,000 – 59,000 500/1500 $200

60,000 – 69,000 500/1500 $250

70,000 – 99,000 500/1500 $300

100,000 – 149,000 500/1500 $400

150,000 – 199,000 500/1500 $475

200,000 – 249,000 500/1500 $525

250,000 – 299,000 500/1500 $575

300,000 – 349,000 500/1500 $625

350,000 – 399,000 500/1500 $700

400,000 – 499,000 500/1500 $850

500,000 – 549,000 1000/1500 $1,250

550,000 – 599,000 1000/1500 $1,700

600,000 – 649,000 1000/1500 $2,000

650,000 – 699,000 1000/1500 $2,300

700,000 – 749,000 1000/1500 $2,700

750,000 – 799,000 2000/2000 $3,000

800,000 – 849,000 2000/2000 $3,300

850,000 – 899,000 2000/2000 $3,700

900,000 – 949,000 2500/2500 $4,000

Over 950,000 2500/2500 $4,500

Coverage DP-1 DP-2 DP-3A. Dwelling 50,000 75,000 100,000

B. Other Structures 500 500 500

C. Personal Property 500 500 500

D. Loss of Use 500 500 500

Minimum Premium - Coverage A 150 150 150

MINIMUM LIMITS

SECTION I (Coverages B, C, and D Optional)


POLICY TYPES DP-1 Basic Form

Provides the dwelling (Coverage A) basic perils protection. Coverage B, Coverage C, and Coverage D may be added, if requested, and are covered for the same perils. Each coverage must be specified and a separate premium charged for each limit.

Covered Perils: fire or lightning, windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, smoke, and vandalism or malicious mischief.

Use the DP-1 to insure rental homes, seasonal homes and homes under construction.

Following are the mandatory endorsements for DP-1:

• DP0148 – Special Provisions – Wisconsin

• MM752 – Windstorm or Hail Deductible

• MM754 – Pollution Liability Exclusion DP-2 Broad Form

Provides the dwelling (Coverage A) broad form named perils protection. Coverage B, Coverage C, and Coverage D may be added, if requested, and are covered for the same perils. Each coverage must by specified and a separate premium charged for each limit.

Covered Perils: fire or lightning, windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, smoke, vandalism or malicious mischief, breakage of glass, theft, falling objects, weight of ice, snow or sleet, collapse of buildings or any part thereof, sudden and accidental tearing, cracking, burning or bulging of heating system, accidental discharge or overflow of water or steam, freezing of plumbing, heating, air conditioning systems and domestic appliances, and sudden and accidental injury from electrical currents artificially generated.

Use the DP-2 to insure rental homes, seasonal homes and homes under construction.

Following are the mandatory endorsements for DP-2:



• MM754 – Pollution Liability Exclusion


DP-3 Special Form

Provides the dwelling (Coverage A) and if requested, other structures (Coverage B) all risk perils protection except exclusions. Coverage B, Coverage C, and Coverage D may be added, if requested. Each coverage must be specified and a separate premium charged for each limit.

Coverage C Covered Perils: fire or lightning, windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, smoke, vandalism or malicious mischief, breakage of glass, burglars, falling objects, weight of ice, snow, sleet, collapse of buildings or any part of a building, accidental discharge or overflow of water or steam, sudden and accidental tearing, cracking, burning or bulging of heating system, freezing of plumbing, heating, air conditioning systems and domestic appliances, and sudden and accidental damage from artificially generated electrical current

Use DP-3 to insure rental homes, seasonal homes and homes under construction.

Coverage A must be written for at least 80% of Replacement Cost. Following are the mandatory endorsements for DP-3



• MM754 – Pollution Liability Exclusion HO-2 Broad Form

Provides broad from named perils protection for the dwelling, other structures, personal property and loss of use.

Covered Perils: fire or lightning, windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, smoke, vandalism or malicious mischief, theft, breakage of glass, falling objects, weight of ice, snow or sleet, accidental discharge or overflow of water or steam, sudden and accidental tearing, cracking, burning or bulging of heating system, freezing of plumbing, heating, air conditioning systems and domestic appliances, sudden and accidental damage from artificially generated electrical current, and volcanic eruption.

Policies may be issued to an owner-occupant of a dwelling which is used exclusively for private residential purposes and contains no more than 2 families and no more than 2 roomers or boarders per family.

The Company prefers that Coverage A be written for 90% of Replacement Cost.

Following are the mandatory endorsements for HO-2:

• HO-0148 – Special Provisions – Wisconsin

• HO-0426 – Limited Fungi, Wet or Dry Rot, or Bacteria Coverage

• HO-0446 – Inflation Guard

• MM-752 – Windstorm or Hail Deductible

• MM-754 – Pollution Liability Exclusion

• MM-830 – Identity Fraud Restoration


HO-3 All Risk Form Provides the dwelling and other structures all risk perils protection except exclusions. Personal property provides broad form named perils coverage.

Personal Property Covered Perils: fire or lightning, windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, smoke, vandalism or malicious mischief, theft, breakage of glass, falling objects, weight of ice, snow or sleet, accidental discharge or overflow of water or steam, sudden and accidental tearing, cracking, burning or bulging of heating system, freezing of plumbing, heating, air conditioning systems and domestic appliances, sudden and accidental damage from artificially generated electrical current, damage by glass or safety glazing material, and volcanic eruption. Polices may be issued to an owner-occupant of a dwelling which is used exclusively for private residential purposes and contains no more than 2 families and no more than 2 roomers or boarders per family. The Company prefers that Coverage A be written for 90% of Replacement Cost.

Following are the mandatory endorsements for HO-3






• MM-830 – Identity Fraud Restoration HO-4 Contents Broad Form Provides personal property and loss of use against the broad form named perils.

Covered Perils: fire or lightning, windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, smoke, vandalism or malicious mischief, theft, breakage of glass, falling objects, weight of ice, snow or sleet, accidental discharge or overflow of water or steam, sudden and accidental tearing, cracking, burning or bulging of heating system, freezing of plumbing, heating, air conditioning systems and domestic appliances, sudden and accidental damage from artificially generated electrical current, and volcanic eruption.

Use HO–4-to insure the tenant (non-owner) of a dwelling or an apartment. Following are the mandatory endorsements for HO-4:






HO-5 Comprehensive Form

Provides the dwelling and other structures and personal properties open perils protection except for the exclusions. Basic policy is an HO-5 all risk form.

The HO-5 policy is designed primarily for property inside the city limits of a community. Special Underwriting Requirements:

• Coverage A must be equal to 100% of full replacement cost

• Dwelling Coverage A minimum is $200,000

• Dwelling over 30 years old are not eligible

• Dwelling roofs over 15 years old will be subject to safety review

• Dwelling must be in a Fire Protection Class 1 -9

• Dwelling cannot be a duplex Following are the mandatory “minimum” coverages and endorsements for HO-5 that are included without costs:

• $300,000 Personal Liability/$2,000 Medical Payments

• $500/$1500 or higher Deductible (Flat/All Perils), Lower deductibles not available


• HO-0420 – Specified Additional Amount of Insurance for Coverage A – Dwelling



• HO-0465 – Cov. C Increased Special Limits of Liability:

• Class 1 – Money, Bank Notes, etc. $500

• Class 6 – Jewelry, Watches and Furs $2,000

• HO-0490 – Personal Property Replacement Cost Loss Settlement


• MM-825 – Mechanical Breakdown



HO-6 Unit-Owners Form

The Condominium Unit-Owners policy provides liability and personal property coverage for condominium unit owners.

The amount of insurance should be the value of the contents on a replacement cost basis plus the replacement value of any portion of the internal unit the insured is chooses to cover or is required to cover per the association agreement or bylaws. The agreement may require coverage for all building components including but not limited to the cabinets, lighting and plumbing fixtures, and floor coverings within the perimeter walls of the unit. A thorough review of the association bylaws is recommended.

An HO6 policy may be issued on owner occupied units, including seasonal units, which are part of a community association organized under a condominium, cooperative, town house, or a planned development community. The primary use for the unit must be for residential purposes including approved on premises business activities.

Coverage “A” under the condominium policy includes the alteration, appliances, fixtures, improvements, and real property of the individual unit owner. Under Coverage “C” personal property is insured against named perils. The policy can be endorsed for Unit Owners Special coverage by adding the HO1731.




• HO-1731 – Unit-Owners Coverage C Special Coverage

• HO-1732 – Unit-Owners Coverage A Special Coverage



• MM-830 – Identity Fraud Restoration HO-8 Modified Coverage Form

Provides the dwelling, other structures, personal property and loss of use against the following perils.

Covered Perils: fire or lightning, windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, smoke, vandalism or malicious mischief, theft, breakage of glass, and volcanic eruption.

Use HO-8 to insure the good risks where replacement cost features are not desired or co-insurance requirements are not met.








ENDORSEMENTS

Below is a list of endorsements we currently offer: Dwelling Endorsements DP-0148 Special Provisions - Wisconsin DP-0411 Automatic Increase in Insurance DP-0414 Additional Living Expense DP-0417 Trees, Shrubs, and Other Plants DP-0420 Permitted Incidental Occupancies DP-0422 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage DP-0431 Improvements, Alterations, and Additions DP-0432 Deferred Premium Payment DP-0441 Additional Insured DP-0469 Earthquake DP-0471 Ordinance or Law Coverage Increased Amount of Coverage DP-0474 Ordinance or Law Coverage DP-0475 Actual Cash Value Loss Settlement Windstorm or Hail Losses to Roof Surfacing DP-0495 Water Back Up and Sump Discharge or Overflow DP-0530 Functional Replacement Cost Loss Settlement DP-1609 Water Exclusion Endorsement DP-1610 Water Exclusion Endorsement MM-043 Dwelling Under Construction, Theft of Building Materials (DP-3) MM-102 Amendatory Endorsement – Inspection (DP-1) MM-103 Amendatory Endorsement – Inspection (DP-2, DP-3) MM-444 Roof Exclusion Endorsement MM-670 Fire Department Service Charge Increase MM-752 Windstorm or Hail Deductible MM-754 Pollution Liability Exclusion MM-801 Other Structures Exclusion MM-600 Manuscript Endorsement Homeowner Endorsements HO-0148 Special Provisions – Wisconsin HO-0410 Additional Interests – Residence Premises HO-0416 Premises Alarm or Fire Protection System HO-0418 Deferred Premium Payment HO-0420 Specified Additional Amount of Insurance – Coverage A HO-0426 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage (HO-2, HO-4, HO-8) HO-0427 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage (HO-3, HO-5) HO-0428 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage (HO-6) HO-0430 Theft Coverage Increase (HO-8) HO-0435 Supplemental Loss Assessment Coverage HO-0436 Loss Assessment Coverage for Earthquake HO-0440 Structures Rented to Others – Residence Premises HO-0441 Additional Insured – Residence Premises HO-0442 Permitted Incidental Occupancies – Residence Premises HO-0443 Replacement Cost Loss Settlement for Certain Non-Building Structures on the

Residence Premises HO-0446 Inflation Guard (HO-2, HO-3, HO-5, HO6) HO-0448 Other Structures on the Residence Premises – Increased Limits HO-0449 Building Additions and Alterations – Other Residence HO-0450 Personal Property at Other Residences – Increased Limit HO-0451 Building Additions and Alterations – Increased Limit (HO-4)


HO-0453 Credit Card, Electronic Fund Transfer Card or Access Device, Forgery and Counterfeit – Increased Limit

HO-0454 Earthquake HO-0458 Other Members of Your Household HO-0461 Scheduled Personal Property HO-0465 Coverage C Increased Special Limits of Liability HO-0466 Coverage C Increased Special Limits of Liability HO-0477 Ordinance of Law Increased Amount of Coverage HO-0490 Personal Property Replacement Cost Loss Settlement HO-0491 Coverage B – Other Structures Away From the Residence Premises HO-0492 Specific Structures Away From the Residence Premises HO-0493 Actual Cash Value Loss Settlement Windstorm or Hail Losses to Roof Surfacing HO-0495 Limited Water Back-up and Sump Discharge or Overflow Coverage HO-0498 Refrigerated Property Coverage HO-0527 Additional Insured – Student Living Away from the Residence Premises HO-0528 Owned Motorized Golf Cart Physical Loss Coverage HO-0530 Functional Replacement Cost Loss Settlement HO-0541 Extended Theft Coverage for Residence Premises Occasionally Rented to Others HO-0546 Landlord’s Furnishings HO-0607 Limited Coverage for Theft of Personal Property Located in a Dwelling Under

Construction HO-0614 Increased Amount of Insurance for Personal Property Located in a Self-Storage

Facility HO-0615 Trust Endorsement HO-0643 Cosmetic Damage Exclusion – Windstorm or Hail HO-0644 Roof Surfacing Cosmetic Damage Exclusion – Windstorm or Hail HO-0648 Residence Premises Definition Endorsement HO-0649 Broadened Residence Premises Definition Endorsement HO-0750 Additional Insured – Managers or Lessors of Premises Leased to and Insured HO-0752 Loss Payable Provision HO-1731 Unit – Owners Coverage C Special Coverage HO-1732 Unit – Owners Coverage A Special Coverage HO-1733 Unit – Owners Rental to Others HO-1747 Broadened Residence Premises Definition Endorsement – Unit-Owners HO-1748 Residence Premises Definition Endorsement – Unit-Owners HO-2443 Permitted Incidental Occupancies – Other Residence HO-2464 Owned Snowmobiles HO-2470 Additional Residence Rented to Others HO-2471 Business Pursuits HO-2472 Incidental Farming Personal Liability HO-2473 Farmers Personal Liability HO-2475 Watercraft HO-2496 Exclusion of Farm Employees Illegally Employed HO-P004 Limited Home Day Care Coverage Advisory Notice to Policyholders MM-101 Amendatory Endorsement – Inspection (HO-3, HO-5, HO-8) MM-380 Snowmobile Physical Damage Protection MM-395 Watercraft – Special Excess Limit of Liability MM-444 Roof Exclusion Endorsement MM-670 Fire Department Service Charge Increase MM-752 Windstorm or Hail Deductible MM-754 Pollution Liability Exclusion MM-801 Other Structures Exclusion MM-825 Equipment Breakdown MM-830 Identity Fraud Restoration MM-600 Manuscript Endorsement


II C-1

DWELLING ENDORSEMENT DESCRIPTION/GUIDELINES/ RATING

The following is a list of endorsements with their rules and rates. See the actual endorsement for the official terminology, coverage and exclusions. DP-0148(04/04) Special Provisions – Wisconsin – Mandatory – (DP-1, DP-2 and DP-3) Amends

Section I for exclusions and conditions and in Section II Coverage E for Personal Liability regarding limit of liability, the section on Communicable Disease, and Duties after “Occurrence”. Also changes Section I and II Conditions regarding Cancellation and Non-Renewal.

No Charge

DP-0411(12/02) Automatic Increase in Insurance – (DP-2 & DP-3) The limit of liability for coverage A

(and coverage B if applicable) will be increased automatically every year. This increase will be based on the current Company inflation factor.

No Charge

DP-0414(12/02) Additional Living Expense (DP-1) – Provides the increase in living expenses due to

a covered loss. Enables the insured to continue and maintain their normal standard of living while repairs are completed.

No Charge

DP-0417(12/02) Trees, Shrubs, and Other Plants (DP-1) – We will pay for the limit of liability shown

in the Declarations for this coverage. The most available for any one tree is $500. The peril of windstorm and hail is covered.

.70 per $100 of Coverage

DP-0420(12/02) Permitted Incidental Occupancies (DP-1, DP-2, & DP-3) – Provides personal

property coverage for the occupancy described in the Schedule on the endorsement. We are not liable in any one loss for more than the limit of liability shown in this policy.

$4.00 per $1000 of Coverage

DP-0422(12/02) Limited Fungi, Wet or Dry Rot, or Bacteria Coverage (DP-1, DP-2, & DP-3) – For

use with all Dwelling forms. Coverage only applies as a result of a peril insured against. The amount indicated in the Schedule is the most we will pay for the total of all loss or costs payable under the Other Coverage Section of the policy. $10,000 is automatically included with all dwelling policies.

No Charge

DP-0431(12/02) Improvements, Alterations and Additions (DP-1, DP-2, & DP-3) – Provides

coverage for improvements, alterations, or additions to the Described Location whether rented or not. Our limit of liability is the amount shown in this policy for a loss as a result of a covered peril.



II C-2

DP-0432(12/02) Deferred Premium Payment (DP-1, DP-2, & DP-3) – Premium option for the insured to pay their premium in installments. Each installment calculated at the annual premium then in effect.

No Charge

DP-0441(12/02) Additional Insured (Residence Premises) (DP-1, DP-2, & DP-3) – Provides protection for an individual who has financial interest in the described dwelling.

No Charge

DP-0469(12/02) Earthquake (DP-1, DP-2, & DP-3) – Provides protection for applicable coverages, for direct physical loss to covered property caused by earthquake, land shock waves or tremors before, during or after a volcanic eruption subject to endorsement exclusions.

• The dollar amount of the earthquake deductible is determined by multiplying either the Coverage A or Coverage C Limit of Liability shown in the Declarations, whichever is greater, by the deductible percentage amount.

• The minimum deductible for any one loss is $500.

• This coverage cannot be effective on an application or on an existing policy for thirty days after an earthquake shock of 5.0 or greater on the Richter Scale.

• Masonry or masonry veneer structures built before 1950 are not eligible.

Zone 1 - Remainder of State

Refer to Company for Rates

DP-0471(12/02) Ordinance or Law Coverage Increased Amount of Coverage (DP-2 or DP-3) – Increases the total amount of Ordinance of Law Coverage provided under the basic policy. Based on the percentage selected, Coverage A or B increased for an owner or for a tenant an increase in Improvements, Alterations, or Additions.

Options Charge Minimum Premium

10% 5% $20.00

25% 9% $25.00

50% 15% $35.00

DP-0474(12/02) Ordinance or Law Coverage (DP-1) – Increases the total amount of Ordinance of

Law Coverage provided under the basic policy. Based on the percentage selected, Coverage A or B increased for an owner and for a tenant an increase in Improvements, Alterations, or Additions.


10% 5% $20.00

25% 9% $25.00

50% 15% $35.00


II C-3

DP-0475(12/02) Actual Cash Value Loss Settlement Windstorm or Hail Losses to Roof Surfacing (DP-2 & DP-3) – Provides for actual cash value settlement for roof surfacing damage by windstorm or hail. Dwellings are eligible for a discount to the basic policy premium depending on the calendar year that the roof was replaced. This endorsement will be added automatically to all roofs that are 16 years or older or has had a claim where the roof has not been replaced. No Discount will apply if the dwelling has had a recent claim where the roof has not been replaced.

Age of Roof Discount

Current Year 0%

1 Year Old 0%

2 Years Old 0%

3 Years Old 0%

4 Years Old 0%

5 Years Old 0%

6 Years Old 0%

7 Years Old 0%

8 Years Old 0%

9 Years Old 0%

10 Years Old 2%

11 Years Old 3%

12 Years Old 4%

13 Years Old 4%

14 Years Old 5%

15 Years Old 5%

16 Years Old or Older 6%

DP-0495(01/09) Water Back Up and Sump Discharge or Overflow (DP-1, DP-2, & DP-3) – Provides for direct physical loss, not caused by the negligence of any insured, to property covered under Section I caused by:

• Water which backs up through sewers or drains; or

• Water which overflows from a sump pump, sump pump well or other type system designed to remove subsurface water which is drained from the foundation area even if such overflow results from the mechanical breakdown of the sump.

This endorsement does not increase the limits of liability for Coverage A, B, C or D. $250 deductible applies.

The following should be submitted for underwriting approval:

• This endorsement does NOT cover flood losses. Do not submit risks in flood hazard areas or areas known to be subject to periodic flooding.

• It cannot be added on a new or existing policy during a flood watch or warning.

• Risks having losses, insured or not, caused by water which backs up from sewers, drains or sump pumps during the previous five years.

• If added mid-term, coverage must be made effective a minimum of thirty days from the date of request.



II C-4

DP-0530(12/02) Functional Replacement Cost Loss Settlement (DP-2 & DP-3) – Loss Settlement is based on the definition of Functional Replacement Cost (see endorsement for exact wording). Rates determined based on the replacement cost percentage of the building. Settlement is based on coinsurance percentage of less than or greater than 80%.

Replacement Cost %

Factor

100-90% .105

89-80% .110

79-70% .115

69-60% .130

59-50% .140

DP-1609(01/09) Water Exclusion Endorsement (DP-1 & DP-2) – Defines water and how the

exclusion relates to flood, surface water, water which backs up through sewers, and water below the surface of the ground. See endorsement for complete definition.

No Charge

DP-1610(01/09) Water Exclusion Endorsement (DP-3) – Defines water and how the exclusion

relates to flood, surface water, water which backs up through sewers, and water below the surface of the ground. See endorsement for complete definition.

No Charge

03/15/2019 Madison Mutual Insurance Company (WI) II D-1

HOMEOWNERS ENDORSEMENT DESCRIPTION/GUIDELINES/ RATING

Following is a list of endorsements that have specific rules. The agent should call the underwriting office if there is a question as to the correct decision or if there are special or extenuating circumstances which you believe could affect the underwriting decision. HO-0148(05/11) Special Provisions – Wisconsin – Mandatory (All Forms) – Amends Section I for

exclusions and conditions and in Section II Coverage E for Personal Liability regarding limit of liability, the section on Communicable Disease, and Duties after “Occurrence”. Also changes Section I and II Conditions regarding Cancellation and Non-Renewal.

No Charge

HO-0410(10/00) Additional Interests-Residence Premises (All Forms) – Provides Section I coverage for the Additional Insured’s interest in the covered property.

No Charge

HO-0416(10/00) Premises Alarm or Fire Protection System (All Forms) – Insured acknowledges the installation of an alarm or automatic sprinkler system. Insured agrees to maintain the system in working order.

No Charge

HO-0418(10/00) Deferred Premium Payment (All Forms) – Premium option for the insured to pay their premium in installments. Each installment calculated at the annual premium then in effect.

No Charge

HO-0420(05/11) Specified Additional Amount of Insurance for Coverage A – Dwelling (HO-2, HO-3, &HO-5) - Provides replacement cost under Coverage A for up to 125% of the limit of liability. To be eligible for this endorsement the dwelling must:

• Have a replacement cost of at least $50,000 (HO-2)

• Have a replacement cost of $75,000 (HO-3 and HO-5)

• Be insured for 100% of replacement cost

• Not be over 50 years of age when application is written

• Cannot be added to HO-8 Policy

Years Premium

0 - 10 $25.00

11 – 20 $30.00

21 – 30 $35.00

31 – 40 $40.00

41 – 50 $45.00


HO-0426(05/11) Limited Fungi, Wet or Dry Rot, or Bacteria Coverage (HO-2, HO-4 & HO-8)

The effect of this endorsement is to limit the amount of coverage available under policy when Fungi, Wet or Dry Rot or Bacteria result from a covered loss.

• The limit of liability under Section I Property Coverage for this coverage is $10,000.

• This coverage only applies when such loss or costs are a result of a Peril Insured Against.

• This limitation does not apply when a covered loss results from Fire or Lightning.

• This amount does not increase the Section I Property Coverage limit of liability.

• This limit of liability under Section II Liability Coverage E resulting from “fungi”, Wet or Dry Rot or Bacteria is limited to $25,000.

• This Amount does not Increase the Coverage E limit of liability.

No Charge

HO-0427(05/11) Limited Fungi, Wet or Dry Rot, or Bacteria Coverage (HO-3 & HO-5)

The effect of this endorsement is to limit the amount of coverage available under the policy when Fungi, Wet or Dry Rot, or Bacteria result from a covered loss.






• This amount does not increase the Coverage E limit of liability

No Charge

HO-0428(05/11) Limited Fungi, Wet or Dry Rot, or Bacteria Coverage (HO-6)

The effect of this endorsement is to limit the amount of coverage available under the policy when Fungi, Wet or Dry Rot, or Bacteria result from a covered loss.






• This amount does not increase the Coverage E limit of liability

No Charge


HO-0430(05/11) Theft Coverage Increase (HO-8) - Additional categories added for the peril of theft including $1500 on jewelry, watches, furs; $2500 for firearms and related equipment; and $2500 for silverware. Amends the peril of theft to the limits of liability shown in the schedule.

$10.00 Charge

HO-0435(05/11) Supplemental Loss Assessment Coverage (HO-2, HO-3, HO-5, HO-6, & HO-8) – Pays the additional amount of assessment or assessments arising out of a single loss.

$1000 is automatically included Maximum Limit of $50,000

Amount of Coverage Premium

$5,000 $8.00

$10,000 $13.00

$15,000 $16.00

$20,000 $18.00

$25,000 $21.00

$30,000 $23.00

$35,000 $27.00

$40,000 $30.00

$45,000 $33.00

$50,000 $36.00

HO-0436(05/11) Loss Assessment Coverage for Earthquake (HO-2, HO-3, HO-5, HO-6, & HO-8) – Provides protection for applicable coverages, for direct physical loss to covered property caused by earthquake, land shock waves or tremors before, during or after a volcanic eruption subject to endorsement exclusions. We pay your share of any loss assessment charged against you by a corporation or association of property owners.



• This coverage cannot be effective on an application or an existing policy for thirty days after an earthquake shock 5.0 or greater on the Richter Scale.


Zone 1 - Remainder of State.



HO-0440(10/00) Structures Rented to Others - Residence Premises (HO-2, HO-3, HO-5,& HO-8) – Provides Section I and Section II coverage for structures rented to others located on the residence premises. However, if the structure is a full size dwelling, the structure must be insured on a Dwelling policy and NOT by endorsement.

• HO-0454 (Earthquake) is mandatory on this endorsement if this coverage is being requested on this policy.

Premium Rate

• $4.00 per $1,000 of insurance applied to each structure

• Plus the appropriate charge for Section II Additional Insured Locations-Rented to Others(endorsement HO-2470 rates)

HO-0441(10/00) Additional Insured - Residence Premises (HO-2, HO-3, HO-5, HO-6 & HO-8) – Provides Section I and Section II coverage for the Additional Insured’s interest in the covered property.

No Charge

HO-0442(10/00) Permitted Incidental Occupancies – Residence Premises (All Forms) – Provides Section I Business Personal Property and Other Structure coverage and Section II coverage for accepted incidental occupancies. Endorsement is permitted if the premises are occupied principally as a dwelling and there is no other business conducted.

• There is a $2500 limit applied to items held for resale.


• The number of walk-in customers should be minimal

• Annual gross receipts from the business should not exceed $5,000

• Beauty Shops are not permitted

• Contractors are not eligible.

Section I premium: $4.00 per $1,000 of insurance Section II premium:

Coverage F Limits

Coverage E Limits $1,000 $2,000 $5,000

$100,000 $26.00 $29.00 $32.00

$300,000 $28.00 $31.00 $34.00

$500,000 $29.00 $32.00 $35.00

HO-0443(05/11) Replacement Cost Loss Settlement for Certain Non-Building Structures on the

Residence Premises (HO2, HO3, & HO5) – Amends Section I Condition regarding certain structures on the residence premises. Provides replacement cost for loss settlement.

$4.00 per $1,000 of insurance


HO-0446(10/00) Inflation Guard - Mandatory (HO-2, HO-3, HO-4, HO-5 & HO-6) - Mid-term losses and renewal amounts of insurance are adjusted by dividing the current index by the index as of the effective date of the endorsement attached or prior renewal effective date. The resulting factor is then multiplied by the limits for Coverage A, B, C and D.

No Charge

HO-0448(10/00) Other Structures on Residence Premises - Increased Limits (HO-2, HO-3, HO-5, HO-6 & HO-8) – Provides additional coverage for a specific Other Structure located on the residence premises. To increase Coverage B (other structures coverage) this endorsement must be added.


• Structure must be located on the residence premises.

• Photographs of all structures are required.

• Endorsement does not affect the limit of liability that applies to the structures Under Coverage B – Other Structures.


HO-0449(10/00) Building Additions and Alterations – Other Residence (HO-2, HO-3, HO-5, HO-6 & HO-8) – Pays the limit of liability shown in the schedule for any additions, improvements, or alterations made to that part of the building rented to an insured.


HO-0450(05/11) Personal Property at Other Residences - Increased Limit (HO-2, HO-3, HO-5, HO-6 and HO-8) – Provides increased coverage over the policy limit for Personal Property located away from the residence premises. The policy limit is 10% of Coverage C or $1,000 whichever is greater.


HO-0451(10/00) Building Additions and Alterations - Increased Limit (HO-4) - Provides increased coverage over the policy limit for building improvements or installations at the expense of the insured to the residence premises. The policy limit is 10% of Coverage C.


HO-0453(10/00) Credit Card, Fund Transfer Card, Forgery and Counterfeit Money Coverage Increased Limit (All Forms) – Provides increased coverage over the base policy limit of $500.

Increased Limit

Premium

$1,000 $3.00

$5,000 $6.00

$10,000 $8.00


HO-0454(05/11) Earthquake (All Forms) – Provides coverage for direct physical loss to covered property caused by earthquake, land shock waves or tremors before, during or after a volcanic eruption subject to endorsement exclusions.





Zone 1 - Remainder of State.


HO-0458(05/11) Other Members of Your Household (All Forms) – Amends the policy definition of who qualifies for an insured. Provides both Section I and Section II coverage.

Coverage F Limits

Premium

$100,000 $35.00

$300,000 $42.00

$500,000 $45.00

HO-0461(05/11) Scheduled Personal Property (All Forms) – Provides coverage against all risks of physical loss with certain conditions on scheduled personal property. Includes breakage coverage. No deductible applies. The following must be included with the application and all changes to have coverage:

• Itemized list of all items to be scheduled

• Detailed descriptions and value of each item

• Current appraisals for jewelry or furs

• All required information (if applicable) such as manufacturer/brand, serial and model numbers.

• Photographs (if required)

Rate per $100 value Class Property Rate

1 Jewelry (Current Appraisal) ............................................. 1.25 2 Furs .................................................................................. 0.30 3 Cameras/ Personal .......................................................... 1.30 4 Musical Instruments/Personal .......................................... 0.60 5 Silverware ........................................................................ 0.20 6 Golfer’s Equipment/ Personal .......................................... 1.10 7 Fine Arts, China, Antiques ............................................... 0.50 8 Postage Stamps, Books ................................................... 0.60 9 Coins ................................................................................ 1.50 10 Bicycles .......................................................................... 10.00 11 CB Radio, Car Phones, Mobile Phones ........................... 5.00 12 Guns ................................................................................. 3.00 13 Satellite Receiving Equipment ......................................... 3.00 14 Tools/ Personal ................................................................ 1.75 15 Hearing Aids ..................................................................... 2.00


16 Computers/ Personal ....................................................... 1.00 17 Cameras/ Business .......................................................... 2.00 18 Musical Instruments/ Business ........................................ 0.90 19 Golfer’s Equipment/ Business .......................................... 1.65 20 Tools/ Business ................................................................ 2.65 21 Computers/ Business ....................................................... 1.50 22 Stereo and Equipment ..................................................... 1.10 23 Jewelry (Appraisal over 3 years) ...................................... 1.85 24 Lawn and Garden Machinery ........................................... 1.75

HO-0465(05/11) Coverage C - Increased Special Limits of Liability (HO-2, HO-3, HO-4,

HO-5 & HO-8) –

Class A Money, Bank Notes, Bullion, etc., the policy limit of $200 maybe increased to $500.

$6.00 per $100

Class B Securities, Accounts, etc., the policy limit of $1,500 may be

increased to $2,000.

$4.00 per $100

Class E Jewelry, Watches, Furs, etc., the policy limit of $1,500 may be increased to $2,500 but not exceeding $1,000 for any one item. This limit applies to theft only.

$8.00 per $1,000

Class F Firearms and related equipment for loss by theft, the policy limit of

$2,500 may be increased to $5,000. $2.40 per $100

Class G Silverware, Silver-plated ware, etc., the policy limit of $2500 may be increased to $5,000. This limit applies to theft only.

$1.00 per $500

HO-0466(05/11) Coverage C – Increased Special Limit of Liability (HO-6) –

Class A Money, Bank Notes, Bullion, etc., the policy limit of $200 maybe increased to $500.

$6.00 per $100

Class B Securities, Accounts, etc., the policy limit of $1,500 may be

increased to $2,000.

$4.00 per $100


Class E Jewelry, Watches, Furs, etc., the policy limit of $1,500 may be increased to $2,500 but not exceeding $1,000 for any one item. This limit applies to theft only.

$8.00 per $1,000

Class F Firearms and related equipment for loss by theft, the policy limit of

$2,500 may be increased to $5,000. $2.40 per $100

Class G Silverware, Silver-plated ware, etc., the policy limit of $2500 may be increased to $5,000. This limit applies to theft only.

$1.00 per $500

HO-0477(10/00) Ordinance of Law Increased Amount of Coverage (All Forms) – Increases the total amount of Ordinance of Law Coverage provided under the basic policy. Based on the percentage selected, Coverage A or B increased for an owner or for a tenant an increase in Improvements, Alterations, or Additions.


10% 5% $20.00

25% 9% $25.00

50% 15% $35.00

HO-0490(05/11) Personal Property Replacement Cost Loss Settlement – Provides named peril

coverage to unscheduled personal property to include the full cost of repair or replacement without reduction for depreciation. Liability on any item, including depreciation, may not exceed the cost to repair, restoration or replacement with material or labor of like kind and quality to a maximum of 400% of Actual Cash Value.

• The Company reserves the right to replace any item(s) damaged or lost without obligation to replace all items.

• The Company will provide Actual Cash Value settlement until proof of replacement is received.

HO-2 10% of Base Premium HO-3 8% of Base Premium HO-4, & HO-6 16% of Base Premium ($25.00 minimum) HO-8 15% of Base Premium

HO-0491(05/11) Coverage B – Other Structures Away from the Residence Premises (HO-2, HO-3,

HO-5, HO-6 & HO-8) – Provides Section I coverage for other structures which are owned by the insured and located away from the residence premises. Does not provide coverage for buildings being used or capable of being used as a dwelling, from which business is conducted or business property is stored, or any rental dwelling. The limit of liability for other structures will not be more than 10% of the limit of liability that applies to coverage A.

$35.00 Charge


HO-0492(05/11) Specific Structures Away From the Residence Premises (HO-2, HO-3, & HO-5) – Provides Section I coverage for buildings listed in the Schedule and located away from the residence premises. Does not provide coverage for buildings being used or capable of being used as a dwelling, from which business is conducted or business property is stored, or any rental dwelling.


HO-0493(04/16) Actual Cash Value Loss Settlement Windstorm or Hail Losses to Roof Surfacing (HO-2, HO-3, HO-5, HO-6, & HO-8) – Provides for actual cash value settlement for roof surfacing damage by windstorm or hail. Dwellings are eligible for a discount to the basic policy premium depending on the calendar year that the roof was replaced. This endorsement will be added automatically to all roofs that are 16 years or older or has had a claim where the roof has not been replaced. No Discount will apply if the dwelling has had a recent claim where the roof has not been replaced.

Age of Roof Discount

Current Year 0%

1 Year Old 0%

2 Years Old 0%

3 Years Old 0%

4 Years Old 0%

5 Years Old 0%

6 Years Old 0%

7 Years Old 0%

8 Years Old 0%

9 Years Old 0%

10 Years Old 2%

11 Years Old 3%

12 Years Old 4%

13 Years Old 4%

14 Years Old 5%

15 Years Old 5%

16 Years Old or Older 6%

HO-0495(01/14) Water Back-up and Sump Discharge or Overflow (All Forms) – Provides for direct physical loss, not caused by the negligence of any insured, to property covered under Section I caused by:

• Water which backs up through sewers or drains; or

• Water which overflows from a sump pump, sump pump well or other type system designed to remove subsurface water which is drained from the foundation area even if such overflow results from the mechanical breakdown of the sump.

This endorsement does not increase the limits of liability for Coverage A, B, C or D. $250 deductible applies.

The following should be submitted for underwriting approval:

• This endorsement does NOT cover flood losses. Do not submit risks in flood hazard areas or areas known to be subject to periodic flooding.

• It cannot be added on a new or existing policy during a flood watch or warning.


• Risks having losses, insured or not, caused by water which backs up from sewers, drains or sump pumps during the previous five years.

• If added mid-term, coverage must be made effective a minimum of thirty days from the date of request.


HO-0498(05/11) Refrigerated Property Coverage (All Forms) – Provides up to $500 coverage on property stored in freezers or refrigerators on the residence premises. $100 deductible applies.

$10.00 Charge

HO-0527(05/11) Additional Insured – Student Living Away from the Residence Premises (All Forms)

– Extends the definition of a Named Insured to include the person listed in the Schedule. Provides both Section I and Section II coverage. Applies only while that person is enrolled at the school and is residing at the address shown.

$500 Deductible Applies

Minimum Amount of Coverage is $2,000

Coverage F Limits


$100,000 $45.00 $57.00 $63.00

$300,000 $53.00 $59.00 $67.00

$500,000 $55.00 $61.00 $71.00

HO-0528(05/11) Owned Motorized Golf Cart Physical Loss Coverage (All Forms) – Provides direct

physical damage to an owned golf cart. Collision coverage is included.

$500 Deductible Applies Minimum Amount of Coverage is $2,000


HO-0530(05/11) Functional Replacement Cost Loss Settlement (HO-2, HO-3, & HO-5) – Loss Settlement is based on the definition of Functional Replacement Cost (see endorsement for exact wording). Rates determined based on the replacement cost percentage of the building. Settlement is based on coinsurance percentage of less than or greater than 80%.

Replacement Cost %

Factor

100-90% .105

89-80% .110

79-70% .115

69-60% .130

59-50% .140


HO-0541(10/00) Extended Theft Coverage for Residence Premises Occasionally Rented to Others (HO-2, HO-3, HO-5 & HO-8) – Provides coverage for loss by theft while the portion of the residence premises usually occupied by the insured is occasionally rented in whole or part to others, or while there is rental to a roomer or boarder. This endorsement must be added to extend this coverage.

$15.00 Charge

HO-0546(10/00) Landlord’s Furnishings (HO-2, HO-3, & HO-5) – Additional Section I coverage for landlord furnishings as indicated in the Schedule. It is subject to the Coverage C limit that applies at the time of loss.

$15.00 Flat Charge for $1,000 of Coverage

$3.00 for each additional $1,000

HO-0614(05/11) Increased Amount of Insurance for Personal Property Located in a Self-Storage Facility (All Forms) – Under Section I Personal Property, coverage is afforded for personal Property located in a self-storage facility. The limit of liability is the amount shown in the schedule.

Coverage Premium

$2,000 $15.00

$4,000 $20.00

$6,000 $28.00

$8,000 $38.00

$10,000 $48.00

$12,000 $60.00

$14,000 $75.00

$20,000 $100.00

HO-0615(05/11) Trust Endorsement (All Forms) – Definition of “Insured” is amended to include the Trust and Trustee(s) for Coverage A Dwelling and B other structures. Provides Section II coverage for the Trust and the duties of the trustee(s).

Coverage E Premium

$100,000 $12.00

$300,000 $15.00

$500,000 $20.00

HO-0643(04/16) Cosmetic Damage Exclusion – Windstorm or Hail (HO-2, HO-3, HO-5, & HO-

8) – Cosmetic damage is damage that just affects the appearance but not the function of a specific property component. The policy may be endorsed to exclude cosmetic damage on buildings covered under Coverage A and Coverage B caused by the peril of Windstorm or Hail to all exterior surfacing. Dwellings with metal roofs and/or siding must have this endorsement.

-2.7% of the Basic Policy Premium


HO-0644(04/16) Roof Surfacing Cosmetic Damage Exclusion – Windstorm or Hail (HO-2, HO-3, HO-5, & HO-8) – Cosmetic damage is damage that just affects the appearance but not the function of a specific property component. The policy may be endorsed to exclude cosmetic damage on buildings covered under Coverage A and Coverage B caused by the peril of Windstorm or Hail to all roof surfacing only. Dwellings with metal roofs must have this endorsement.


HO-0648(10/15) Residence Premises Definition Endorsement (HO-2, HO-3, HO-4, HO-5, & HO-

8) – Definition of "residence premises" is modified by making the residency requirements apply only when the policy first incepts, and not later.

No Charge

HO-0649(10/15) Broadened Residence Premises Definition Endorsement (HO2, HO-3, HO-4, HO-5, & HO-8) – Allows the insured to schedule the un-occupancy period to allow for a start and stop time for the residency requirements.

No Charge

HO-0750(05/11) Additional Insured – Managers or Lessors of Premises Leased to an Insured (All Forms) – Definition of an insured is extended to include the person or organization named in the Schedule. Applies only to the part of the premises leased to an insured shown in the Schedule.

$15.00 Charge

HO-0752(05/11) Loss Payable Provisions (All Forms) – Applies to covered business property. Coverage for property in which the insured and a Loss Payee have an insurable interest. Indicate if condition A, B, or C applies.

No Charge

HO-1731(05/11) Unit-Owners Coverage C Special Coverage (HO-6) – Perils Insured Against under

Coverage C has been deleted. Provides open perils coverage for personal property. Automatically included with all HO6 polices for the premium indicated.

20% of the Base Rate HO-1732(05/11) Unit-Owners Coverage A Special Coverage (HO-6) – Perils Insured Against under Coverage A has been deleted. Provides open perils coverage for Coverage A for described property. Automatically included with all HO6 policies for the premium indicated.

$5.00 Flat Premium Charge $1.00 per additional $1,000


HO-1733(05/11) Unit-Owners Rental to Others (HO-6) – Extends Section I and Section II coverage while the residence premises is regularly rented or held for rental. See underwriting guidelines regarding condominiums being rented.

25% of the Base Rate

HO-1747(10/15) Broadened Residence Premises Definition Endorsement – Unit Owners (HO-6) – Allows the insured to schedule the un-occupancy period to allow for a start and stop time for the residency requirements.

No Charge

HO-1748(10/15) Residence Premises Definition Endorsement – Unit Owners (HO-6) – Definition of "residence premises" is modified by making the residency requirements apply only when the policy first incepts, and not later.

. No Charge

HO-2443(10/00) Permitted Incidental Occupancies – Others Residence (All Forms) – Provides Section II Coverage and broadens the definition of an “insured location” from which an insured conducts business described in the Schedule.

Coverage F Limits


$100,000 $15.00 $17.00 $21.00

$300,000 $20.00 $23.00 $27.00

$500,000 $39.00 $41.00 $46.00

HO-2464(10/00) Owned Snowmobile (All Forms) – Provides Section II coverage while off the

residence premises provided the unit is owned by the named insured or any resident of the named insured’s household.

Coverage F Limits


$100,000 $40.00 $41.00 $43.00

$300,000 $50.00 $51.00 $52.00

$500,000 $58.00 $61.00 $66.00

HO-2470(10/00) Additional Residences Rented to Others (All Forms) – Provides Section II coverage

to:

• Secondary seasonal residences owned and occupied by the named insured.

• One and two-family dwellings owned by the insured and rented to others.

• Supporting dwelling policy is required when adding this endorsement.

• Requires coverage for all additional premises where the name insured or spouse maintains a residence other than a business or farm.

With company approval, proof of liability coverage (copy of declaration page or certificate of insurance) will be accepted when unable to place secondary, seasonal or rental dwellings with our company.


Occupied by named insured (1 Family Dwelling)

Coverage F Limits


$100,000 $15.00 $18.00 $21.00

$300,000 $19.00 $22.00 $27.00

$500,000 $22.00 $25.00 $29.00

Occupied by named insured (2 Family Dwelling)

Coverage F Limits


$100,000 $15.00 $19.00 $24.00

$300,000 $18.00 $21.00 $26.00

$500,000 $21.00 $25.00 $28.00

Rented to others (1 Family Dwelling)

Coverage F Limits


$100,000 $18.00 $21.00 $26.00

$300,000 $23.00 $27.00 $30.00

$500,000 $24.00 $28.00 $31.00

Rented to others (2 Family Dwelling)

Coverage F Limits


$100,000 $20.00 $23.00 $28.00

$300,000 $25.00 $29.00 $31.00

$500,000 $29.00 $33.00 $36.00

HO-2471(10/00) Business Pursuits (All Forms) – Provides Section II coverage for Business Pursuits:

• Provided the business is not owned or financially controlled by the insured. A charge should be made for each individual involved in a business pursuit.

• Maximum Business Pursuits is $5,000 annual gross income. (Class 1)

• Occupations not otherwise classified, contact Home Office Underwriting.

Classifications:

Class 1 - Salesmen, Collectors or Messengers- Including installation, demonstration or servicing operations; and Clerical Office Employees-defined as those employees whose duties are confined to keeping books or records, conducting correspondence or who are engaged wholly in office work where such books or records are kept or where such correspondence is conducted, having no other duty of any nature in or about the employer’s premises.

Coverage F Limits


$100,000 $4.00 $5.00 $7.00

$300,000 $6.00 $7.00 $9.00

$500,000 $7.00 $8.00 $10.00


Class 2 - Teachers – Excluding liability for corporal punishment of pupils.

Coverage F Limits


$100,000 $6.00 $7.00 $9.00

$300,000 $9.00 $10.00 $12.00

$500,000 $10.00 $11.00 $13.00

Class 3 - Teachers – Including liability for corporal punishment of pupils.

Coverage F Limits


$100,000 $10.00 $12.00 $16.00

$300,000 $15.00 $17.00 $21.00

$500,000 $18.00 $20.00 $24.00

HO-2472(10/00) Incidental Farming Personal Liability (HO-2, HO-3, HO-5, & HO-8) – Provides

Section II coverage for farming operations conducted on the residence premises when the following apply:

• The named insured is not a full-time farmer

• The owned acreage does not exceed 40 acres or house livestock (use endorsement HO-2473)

• All owned acreage must be adjacent to residence premises (use endorsement HO-2473)

• Not eligible if more than one farm building or farm personal property.

• Farm Employees coverage is not provided.

Coverage F Limits


$100,000 $22.00 $27.00 $32.00

$300,000 $33.00 $36.00 $39.00

$500,000 $47.00 $52.00 $56.00

HO-2473(05/11) Farmers Personal Liability (HO-2, HO-3, HO-5, HO-6 & HO-8) – Provides Section II coverage for farming operations when the following applies:

• The named insured is not a full-time farmer.

• The owned acreage is not in excess of 500 acres.

• Not eligible if there is more than one farm building, if there is any farm personal property or if the insured is a full-time farmer.

• Farm Employee coverage is not provided.

Coverage F Limits


$100,000 $76.00 $80.00 $93.00

$300,000 $95.00 $98.00 $101.00

$500,000 $104.00 $111.00 $124.00


HO-2475(10/00) Watercraft (All Forms) – Provides Section II coverage for the use of watercraft. Coverage is provided automatically under the Homeowner Policy with no premium charge for the following:

• Watercraft with horsepower less than 25

• Sailboats under 26 feet

• Sailboats with no auxiliary power Submit to Underwriting for approval on the following:

• Outboard motors with horsepower over 200

• Inboard motors and inboard/outboard motors with a horsepower rating of more than 260.

• Personal watercraft such as wave runners and jet skis Do Not Submit the following:

• Sailboats over 40 feet in length

• Automobile motor conversions NOTE: Where two or more outboard motors are regularly used in connection with any

single watercraft owned by the insured, the horsepower on such outboards shall be cumulated for rating purposes

MEDICAL Limit of Liability 1000 2000 5000

OUTBOARD MOTORS- (Over 200 HP – Submit to Underwriting)

100,000 8 9 11 Boat Class 1 (26 HP to 49 HP) 300,000 10 11 13 500,000 12 14 17 100,000 13 14 17 Boat Class 2 (50 HP to 125 HP) 300,000 16 18 21 500,000 18 20 23

100,000 32 35 40 Boat Class 3 (126 HP to 160 HP) 300,000 42 45 50 500,000 44 47 52

100,000 42 45 50 Boat Class 4 (161 HP to 200 HP) 300,000 48 51 56

500,000 52 55 60 INBOARD/OUT BOARD MOTORS- (Over 260 HP – Submit to Underwriting)

100,000 32 35 40

Boat Class 3 (Up to 160 HP) 300,000 42 45 50 500,000 44 47 52

100,000 42 45 50 Boat Class 5 (161 HP to 260 HP) 300,000 48 51 56

500,000 55 58 63


SAILBOATS- (Under 26ft do not require an endorsement; over 40ft DO NOT SUBMIT) 100,000 42 45 50

Boat Class 6 (26ft. to 40ft. inclusive with power) 300,000 48 51 56 500,000 50 53 58

(PWC) Personal Watercraft- (Such as wave runners and jet skis – Submit to Underwriting) 100,000 44 47 52

Boat Class 7 300,000 52 55 60 500,000 60 63 68

HO-2496(10/00) Exclusion of Farm Employees Illegally Employed (All Forms) – Under Section II Coverage E Personal Liability and Coverage F Medical Payments excludes coverage for bodily injury for “farm employees” illegally employed with the knowledge of an insured.

No Charge

HO-P004(05/11) Limited Home Day Care Coverage Advisory Notice to Policyholders – Mandatory (All Forms) – Provides a summary of the limited coverage for Home Day Care services.

No Charge

03/15/2019 Madison Mutual Insurance Company (WI) II E-1

MADISON MUTUAL ENDORSEMENT (MM) DESCRIPTION/GUIDELINES/RATING

MM-043(10/12) Dwelling Under Construction, Theft of Building Materials (DP-3) – Provides for theft

of building materials on new construction located on the residence premises.

• Can only be added to a DP-3 Policy at the original date of inception.

• Construction must be completed in one year.

• Coverage does not increase the limit of liability for Coverage A or B.

• A $250 Deductible applies.

• This endorsement does not provide coverage for contractor’s tools.

$40.00 flat charge for $5,000 $80.00 flat charge for $10,000

MM-101(06/18) Amendatory Endorsement – Inspection – Mandatory (HO-3, HO-5, & HO-8) – The

Company may audit and inspect the records and property of the insured and insured location(s); however, this does not warrant that the property or operations are safe, meets local standards and codes, nor, are in compliance with any state, federal rule or regulations.

No Charge

MM-102(06/18) Amendatory Endorsement – Inspection – Mandatory (DP-1) – The Company may audit and inspect the records and property of the insured and insured location(s); however, this does not warrant that the property or operations are safe, meets local standards and codes, nor, are in compliance with any state, federal rule or regulations.

No Charge MM-103(06/18) Amendatory Endorsement – Inspection – Mandatory (DP-2 & DP-3) – The Company

may audit and inspect the records and property of the insured and insured location(s); however, this does not warrant that the property or operations are safe, meets local standards and codes, nor, are in compliance with any state, federal rule or regulations.

No Charge

MM-380(08/03) Snowmobile - Physical Damage Protection (All HO Forms) – Provides all risk

coverage for physical damage on an actual cash value basis on owned snowmobiles subject to endorsement exclusions.

• $250 deductible applies.

• $2.50 per $100 of Insurance


MM-395(08/03) Watercraft - Special Excess Limit of Liability (All HO Forms) – Provides year-round all risk coverage for physical damage on an actual cash value basis. Loss by theft does not apply to items covered under miscellaneous accessories unless the boat or motor is stolen.

• $250 deductible applies

The following is required when requesting this endorsement:

• Photographs of items to be covered under this endorsement such as boat, motors, trailers, etc. Cover must be removed from the boat when photographing.

• Year, make, model, serial number and value of each item.

• Horsepower of each motor.

• Length of boat.

• Driver’s License number and details regarding driving record of each driver. The following should be submitted for underwriting approval:

• Outboard motors with a horsepower of more than 200.

• Inboard motors and inboard/outboard motors with a horse-power rating of more than 260.

• Watercraft over 20 years old.

• Inboard or inboard/outboard with a value of over $50,000.

• Personal Watercraft such as wave runners and jet skis.

Do not Submit the following:

• Sailboats of more than 40 feet in length.

• Automobile motor conversions.

Rate per $100.00 value

Class 1 Outboard Motor ............................................... 1.60 Class 2 Outboard Boat ................................................. 1.50 Class 3 Inboard/Outboard Boat ................................... see following chart:

Code Value Factor Code Value Factor

A ............. 0-7000 ...............................2.00 .................. G .......... 22,001-25,000 ............... 1.40 B ............. 7001-10,000 ............................1.90 .................. H .......... 25,001-30,000 ............... 1.30 C ............ 10,001-13,000 ............................1.80 .................. I ........... 30,001-35,000 ............... 1.20 D ............ 13,001-16,000 ............................1.70 .................. J ........... 35,001-45,000 ............... 1.10 E ............. 16,001-19,000 ............................1.60 .................. K .......... 45,001-50,000 ............... 1.00 F ............. 19,001-22,000 ............................1.50 .................. $50,001 and above, contact underwriting

Class 4 Boat Trailer ..................................................... 1.40 Class 5 Miscellaneous Accessories ............................. 1.50 Class 6 Personal Watercraft ........................................ 3.00

MM-444(05/16) Roof Exclusion Endorsement (All DP & HO Forms) – Excludes coverage due to loss

or damage or ensuing loss or damage to the listed building or structure arising out of damage to or deterioration of the roof or roof surfacing.

No Charge


MM-0643(03/17) Cosmetic Damage Exclusion – Windstorm or Hail (All DP Forms) – Cosmetic

damage is damage that just affects the appearance but not the function of a specific property component. The policy may be endorsed to exclude cosmetic damage on buildings covered under Coverage A and Coverage B caused by the peril of Windstorm or Hail to all exterior surfacing.


MM-0644(03/17) Roof Surfacing Cosmetic Damage Exclusion – Windstorm or Hail (All DP Forms) –

Cosmetic damage is damage that just affects the appearance but not the function of a specific property component. The policy may be endorsed to exclude cosmetic damage on buildings covered under Coverage A and Coverage B caused by the peril of Windstorm or Hail to all roof surfacing only.


MM-670(08/06) Fire Department Service Charge Endorsement (All DP & HO Forms) – Provides additional coverage for the requested increase amount. The base policy limit is $500. The maximum coverage available with this endorsement is $2000.

$1.50 per $100 of increased coverage

MM-752(09/12) Windstorm or Hail Deductible – Mandatory (All DP & HO Forms) – Provides coverage for any one loss caused by windstorm or hail that exceeds the windstorm or hail deductible. No other deductible in the policy applies to losses caused by windstorm or hail.

No Charge

MM-754(07/03) Pollution Liability Exclusion – Mandatory (All DP & HO Forms) – Excludes bodily injury and property damage from the actual, alleged or threatened discharge or release of “pollutants” into or upon land, water, or air.

No Charge

MM-801(08/06) Other Structure Exclusion (All DP & HO Forms) – Excludes coverage for specifically described structures and the contents of such structures that do not meet the Company’s underwriting requirements.

No Charge

MM-825(09/13) Equipment Breakdown – Protects homeowners from the costs associated with repairing or replacing household equipment that has been damaged by mechanical, electrical, or pressure failure. Provides $50,000 maximum limit or the Equipment Breakdown Limit indicated, $3000 for spoilage of perishable goods, and resulting water damage from the “breakdown” of a sump pump. $500 deductible applies.

$20 Premium Charge – HO2, HO3, HO8

Automatically included with HO5


MM-830(03/18) Identity Fraud Restoration – Mandatory (All HO Forms) – Provides assistance to policyholders in the event of identity theft. Gives the insured access to a fraud specialist who will aid them in the process of resolving issues by communicating with creditors, government agencies, and law enforcement; helps consumers avoid recurrence of identity theft. Coverage is automatically included with all policy forms at no premium charge to the insured.

No Charge

MM-600(10/11) Manuscript Endorsement (All DP & HO Forms) – Provides coverage that is not on a

standard form that changes any conditions, agreements, exclusions, or warranties of the insurance contract.

No Charge

Policy Form Base Rate Factor

HO-2 455.00 0.90

HO-3 455.00 1.00

HO-4 105.00 1.00

HO-5 455.00 1.05

HO-6 125.00 1.00

HO-8 455.00 1.25

DP-1 455.00 1.20

DP-2 455.00 1.25

DP-3 455.00 1.30

Applies to DP-1, DP-2, DP-3, HO-2, HO-3, HO-5, HO-6, HO-8

Factor

1.00

1.00

1.00

1.00

1.10

1.00

1.00

1.35

1.35

1.00

1.35

1.35

1.00

0.95

1.00

0.95

1.00

1.00

1.00

1.00

1.00

1.00

1.00

1.00

1.00

0.95

1.20

1.10

1.20

1.20

*Wood roof types are no longer offered on new business.

*Metal roofs and siding will require the cosmetic damage endorsement.

Shingles, Asphalt/Fiberglass

Shingles, Pine*

Shingles, Wood*

Foam

Plexiglas

Rubber

Shakes, Victorian Scalloped*

Shakes, Wood*

Roof Type

Built-Up/Tar and Gravel

Copper

Shingles, Architectural

Fiberglass, Translucent Panel

Tile, Mission

Shingles, Synthetic/Rubber

Shingles, Steel, Aggregate Finish

Slate

Steel

Tile, Clay

Roof Rating Factor

Policy Form Rating Factor & Base Rates

Tiles, Photovoltaic

Aluminum, Standing Seam

Steel, Standing Seam

Rolled Roof/Single Ply

Vinyl

Shingles, Photovoltaic

Tile, Spanish

Tin

Hail Proof

Aluminum, Corrugated

Aluminum, Shingle

Tile, Concrete

03/15/2019 III C-1 Madison Mutual Insurance Company (WI)

Square Footage Factor

0-999 0.940

1,000-1,099 0.940

1,100-1,199 0.940

1,200-1,299 0.940

1,300-1,399 0.940

1,400-1,499 0.950

1,500-1,599 0.950

1,600-1,699 0.960

1,700-1,799 0.970

1,800-1,899 0.980

1,900-1,999 0.990

2,000-2,099 1.000

2,100-2,199 1.010

2,200-2,299 1.020

2,300-2,399 1.030

2,400-2,499 1.040

2,500-2,599 1.050

2,600-2,699 1.060

2,700-2,799 1.065

2,800-2,899 1.065

2,900-2,999 1.070

3,000-3,499 1.075

3,500-3,999 1.080

4,000-4,499 1.085

4,500-4,999 1.095

5,000-5,499 1.100

5,500-5,999 1.120

6,000-6,999 1.140

7,000-7,999 1.160

8,000-8,999 1.170

9,000-9,999 1.180

10,000 + 1.200

Square Footage Rating Factor

Territory Rating Factor

Applies to all HO and DP Policies


Coverage A and C Rating Factor



*Square Footage includes heated finished areas only.

Applies to DP-1, DP-2, DP-3, HO-2, HO-3, HO-5, HO-6, HO-8


Construction Class Factor

Frame 1.00

Other 0.90

*The percent of construction needs to be 50% or more to get the 'Other' discount

Protection Class Factor

1 0.98

2 0.98

3 0.99

4 1.00

5 1.02

6 1.07

7 1.16

8 1.22

9 1.34

10 1.55

Protection Class Rating Factor

Construction Class Rating Factor





INCREASED/REDUCED COVERAGES The below listed figures reflect the increase or decreased premium associated with changing the limits of coverage B, C, D, E and F. DWELLING POLICIES

DP-1, DP-2 and DP-3

Coverage Frame Masonry

Coverage B (per $100) .70 .60

Coverage C (per $100) .70 .60

Coverage D (per $100) .50 .50

• Coverage B must have the same Construction Class as Coverage A.

• Coverage D affords a maximum 12-month indemnification (recovery) for Loss of Use/Rents if limit is specified. If the Dwelling is a rental, specify a limit equal to the monthly rental multiplied times twelve.

HOMEOWNER POLICIES

PERSONAL PROPERTY – Coverage C Increased Limit

Policy Form Premium

HO-2 $2.00 per $1,000 of insurance




LIABILITY/MEDICAL – Coverage E and F Increased Limit

HO-2, HO-3, HO-4, HO-6 AND HO-8

Limit of Liability 1,000 2,000 5,000

$100,000 Included $12.00 $18.00

$300,000 $20.00 $23.00 $31.00

$500,000 $25.00 $27.00 $35.00

HO-5

Limit of Liability 1,000 2,000 5,000

$300,000 N/A Included $30.00

$500,000 N/A $27.00 $35.00

03/15/2019 Madison Mutual Insurance Company (WI) III E- 1

DISCOUNTS AND SURCHARGES

Deductibles All Deductibles Apply to both HO and DP Policies

All Other Perils Deductible

Windstorm or Hail Deductible

Discount/Surcharge Minimum Surcharge

or Maximum Discount

$500 $1,500 7% $100.00 MIN

$1,000 $1,500 -2% $125.00 MAX

$1,500 $1,500 -13% $175.00 MAX

$2,000 $2,000 -18% $250.00 MAX

$2,500 $2,500 -24% $360.00 MAX

$5,000 $5,000 -29% $850.00 MAX

*HO-4 Policies do not have a different Windstorm or Hail Deductible *$100 Minimum Surcharge does not apply to HO-4 & HO-6 Policies

Age Discounts and Surcharges

Applies to DP-1, DP-2, DP-3, HO-2, HO-3, HO-5, HO-6, and HO-8

Age of Home Discount Surcharge

0 years 26% -

1 year 24% -

2 years 23% -

3 years 21% -

4 years 20% -

5 years 19% -

6 years 16% -

7 years 13% -

8 years 9% -

9 years 6% -

10-11 years 2% -

12-14 years - -

15-19 years - 2%

20-29 years - 5%

30-39 years - 6%

40-49 years - 8%

50-59 years - 9%

60-64 years - 10.5%

65-69 years 11%

70-74 years 13%

75-79 years 14%

80-84 years 15%

85-59 years 16%

90-99 years 18%

100+ years - 22%

Home Protection Device Credits Applies to HO-2, HO-3, HO-4, HO-5, HO-6 and HO-8 (Credits are not cumulative)

Code Device Discount

01 None 0%

02 Smoke Detection, Deadbolt Locks, Fire Extinguisher 0.5%

03 Local Burglar Alarm, Deadbolt Locks on Exterior Doors, Fire Extinguisher, Smoke Detection

2%

04 Fire/Burglar System Reporting To Police, Fire or Central Station, Deadbolt Locks on Exterior Doors, Fire Extinguisher, Smoke Detectors

5%

05 All of the Above plus Partial Sprinkler 10%

06 All of the Above plus Full Sprinkler 15%

03/15/2019 Madison Mutual Insurance Company (WI) III E- 2

Loyalty Discount Applies to all HO and DP Policies

A loyalty adjustment will be applied to the rates based on the number of years the policy has been in force with Madison Mutual. This Loyalty discount is the years the policyholder has maintained continuous coverage under a Madison Mutual policy.

Years Insured With MMIC

Discount

0-2 0%

3 2%

4 3%

5 4%

6 5%

7 6%

8-9 7%

10-19 10%

20+ 15%

Auto – Home Discount Applies to HO-2, HO-3, HO-4, HO-5, HO-6 and HO-8

Homeowner policies are eligible for a 15% discount to the base premium if the named insured has a private passenger auto policy currently in force. (See auto discount section for details pertaining to guidelines for auto policies.) The discount will be added to existing policies at renewal and cannot be added mid-term. The discount does not apply to Dwelling policies.

Mature Discount Applies to all HO and DP Policies

Age Factor

0 - 49 1.00

50 - 54 0.98

55+ 0.95

Prior Claims Applies to all HO and DP Policies

Number of Prior Claims

Non-Weather Weather

0 1.00 1.00

1 1.20 1.10

2+ 1.50 1.25

*There is no charge on claims that have paid out less than $1000 or that are over 3 years old.


PERSONAL FINANCE LEVEL

INSURANCE SCORE

FACTOR

LEVEL 1 >=891 0.81

LEVEL 2 858 to 890 0.83

LEVEL 3 829 to 857 0.86

LEVEL 4 807 to 828 0.89

LEVEL 5 788 to 806 0.91

LEVEL 6 771 to 787 0.94

LEVEL 7 758 to 770 0.97

LEVEL 8 744 to 757 1.00

LEVEL 9 734 to 743 1.03

LEVEL 10 723 to 733 1.06

LEVEL 11 714 to 722 1.09

LEVEL 12 705 to 713 1.13

LEVEL 13 696 to 704 1.16

LEVEL 14 687 to 695 1.20

LEVEL 15 678 to 686 1.23

LEVEL 16 666 to 677 1.27

LEVEL 17 655 to 665 1.31

LEVEL 18 643 to 654 1.36

LEVEL 19 631 to 642 1.41

LEVEL 20 618 to 630 1.46

LEVEL 21 603 to 617 1.52

LEVEL 22 585 to 602 1.59

LEVEL 23 567 to 584 1.66

LEVEL 24 549 to 566 1.75

LEVEL 25 <=548 1.85



• Renewal Business – The Personal Finance Level will be applied to existing business not yet scored. At the request of the named insured or the insured’s agent, a new score may be ordered once every 12 months. The Company shall have the discretion to obtain current insurance scoring information upon any renewal, if consistent with its underwriting guidelines.

• The Company will annually re-underwrite and rerate based upon a current credit report or insurance score if the insured or the insured’s agent makes a request unless the insurer’s treatment is as 1) otherwise approved by the Department; 2) the insured is already in the most favorably priced tier; 3) credit was not used for rating when the policy was initially written; 4) the insurer reevaluates the insured at least every 5 years after policy issuance based on underwriting and rating factors other than credit information or 5) the insurer has recalculated an insurance score or obtained an updated credit report of the consumer in the previous 12-month period.



10/01/2017 Madison Mutual Insurance Company (WI) III F-1


SIGNATURE REQUIREMENTS A Signature is required for the following:

Adding, changing or removing a named insured.

Adding or removing an Additional Insured (DP-0441 or HO-0441).

Increase in deductible.

Decrease in policy limits.

Deletion of scheduled structures or personal property.

Deleting Earthquake coverage.

A Signature is not required for the following:

Increasing coverage.

Adding scheduled structures or personal property.

Changing or deleting a mortgagee.

Updating administrative information (phone numbers, etc.). Signature Requirements for adding/removing non-relative residents:

A non-relative resident such as a boyfriend/girlfriend can be added as a named insured. We will not require that a separate HO-4 policy be written on the non-relative resident; however, a signature is required to add the non-relative as a named insured on the policy.

If a future request is made to delete the non-relative resident, a homeowner change signed by the non-relative resident will be required.

Signature Requirements for adding/removing a spouse: When a policyholder marries, a homeowner change can be submitted adding the new spouse:

The agent may submit a Homeowner’s change signed by the insured requesting that the spouse be added.

The agent may submit a Homeowner’s change form noting “per the insured” in the remarks section.

The insured may send a signed letter to the Home Office requesting the addition of his/her spouse. While it is not required to obtain a policyholder signature in the circumstances stated above, you may wish to obtain a signature in order to ensure that there are no disputes as to the coverage available in the future.

12/07/2017 Madison Mutual Insurance Company (WI) IV B-1

BILLING PAYMENT OPTIONS Our homeowners program offers five payment options to policyholders. These options are the following;


• Direct Bill – 6 Pay requires two months down – 5 remaining installments every 45 days

• Direct Bill – 2 Pay requires 50% down – 1 installment after 150 days

• Automated Debit 12 Pay - A monthly (ACH) requires 2 months down

• Mortgagee Bill Full Pay Down payments on any bill plan option can be made by the following payment types:



• Credit Card Automated Debit 12 Pay requires an authorization form to be completed and attached to the policy or kept in the agency office. There is a $1 service charge per installment when selecting this method of payment. This type of payment does require an immediate down-payment. If no money is collected, an immediate transaction will pull from the customer’s account. There is a $20 Insufficient Fund charge when a payment is not honored by the financial institution Credit cards can be used with our Direct Bill payment options. A current email address is required with this form of payment. There is a $5 service charge per installment. In order to finalize any outstanding balances, there is a minimum seven day delay until any refunds are processed. In the event we receive an overpayment on a policy, the entire amount will be applied to the following installment and will not be divided among the remaining installments. If a policy is cancelled for non-payment and a payment is later received there are two options:

• Reinstate with a lapse in coverage. This is allowed only within 14 days after cancellation and there is no coverage during this time. Payments received after the 14 days will be returned

• If 30 days past the due date, a new application must be submitted as new business and all previous discounts will not apply

06/01/2014 Madison Mutual Insurance Company (WI) IV C-1

CLAIM PROCESSING

If an insured or third-party claimant comes to your office to report a claim, please phone the Home Office at (800)766-6642 and let the person speak directly with a Claim Department Customer Service representative. If an insured or third-party claimant telephones your office to report a claim, please give them the Home Office toll-free phone number (800)766-6642 and ask that they call and speak directly with a Claim Department Customer Service Representative. You may also give the customer our website, www.madisonmutual.com, where they can also report the loss. Never admit liability or coverage on a claim. If an insured or claimant questions these procedures, merely explain that we have professional claims representatives at the Home Office, and they can:

Provide the best service for efficient claims settlement

Authorize claims settlement on the phone (within specified parameters)

Help with the selection of a contractor, etc. convenient to the insured or claimant

If the insured/claimant refuses to call the Home Office, call the Home Office Claims Customer Service Department immediately to report the claim.




PERSONAL UMBRELLA UNDERWRITING MANUAL INDEX

SECTION I - UMBRELLA GUIDELINES A. Authority Guidelines B. Agents’ Underwriting Guidelines

SECTION II - UMBRELLA POLICY OPTIONS

A. Policy Types B. Retention Limit Discounts C. Billing Payment Options

SECTION III - UMBRELLA COVERAGE, RATES, & ENDORSEMENTS

A. Liability Coverage Minimums B. Rates C. List of Endorsements


PERSONAL UMBRELLA AUTHORITY GUIDELINES

The agent is authorized to issue a Personal Umbrella application up to limits of one million that meets all of the guidelines of the program. Higher limits must be referred to the Home Office for approval. See page I A-1 regarding ineligible exposures and page I A-2 for eligibility requirements and underlying policies.

PERSONAL UMBRELLA AGENTS' UNDERWRITING GUIDELINES

An application for insurance is submitted at the discretion of the agent, who should use all available information in the field underwriting process. The Home Office uses all information including the application, the history we maintain and other sources of public information. We view the integrity of the information on the application with major importance. The truthfulness of the details of claims is important to the underwriting decision. It is important to note that the underwriting process is based on all available information. All policies are written for one year. Applicants should be of integrity, good morals and reputation. An application is written only in the name of an individual and spouse, and is specifically designed for executives, various professionals and other individuals with the need for substantial liability protection. In the case of the professional person, there must be a record of ethical and competent practices. Persons not eligible include, but are not limited to, the following occupations which place them in the public limelight or criticism:

Politicians - State level and higher

Labor leaders

Entertainers including professional actors, actresses, athletes, radio broadcasters and telecasters

Any person presently involved in a lawsuit

Any person who has been sued for libel or slander

Persons who present a moral or morale hazard

Day Care Operators

Private Investigators

Exposures generally considered undesirable and may be disqualified:

Any exposure that would not meet our Primary Underwriting Requirements.

More than 4 Residential Properties (RP).

Off Premises office or more than an incidental on-premises office.

Motorcycles - if driven by an insured under the age of 25; and/or if the vehicle is equipped with a engine generating more than 750cc's of displacement; and/or if the operator has less than five (5)

years of experience with this type of motorcycle.

Watercraft: 1. Inboard or inboard-outboard motor power in excess of 450 horsepower owned by, rented to or chartered by an insured; 2. Forty (40) feet or more in length if the vessel is owned by, rented to or chartered by an insured;

3. The following eligibility chart applies for all boats:


HORSE POWER

Vessel

Length 0-25 26-50 51-100 101-150 151-275 276-350 351-450

0'-15.99' Yes Yes Yes No No No No

16'-25.99' Yes Yes Yes Yes Yes No No

26'-40' Yes Yes Yes Yes Yes Yes Yes 4. Boats whose maximum speed exceeds 40 miles per hour; 5. Non-standard types (e.g. Homemade, kit, hydrofoil, air propeller, or any unique design or construction); 6. Vessels with full time or part time paid crews; 7. Youthful operators under 19 years of age. Any operator under the age of 25 must hold a Coast Guard approved certificate; 8. Boats operated by persons with little or no boating experience. Operators should have five years of boating experience with the type of vessel being insured; 9. Operators whose driving record would not qualify them for our auto program; 10. Vessels operating more than 50 miles off the coast of the U.S.

Coverage Not Available on the Personal Umbrella:

Professional and Aircraft liability coverage is not available.

Uninsured or Underinsured Motorist Coverage are not available on the Personal Umbrella Policy. To be eligible, the Company must:

Write all underlying policies that are available.

Write employers liability coverage on underlying policies when farms are insured.

A copy of a policy declaration must be provided for any personal insurance not provided by Madison Mutual Insurance Company and it must be written by a company or carrier with an A.M. Best's rating of B+ or better.

If the applicant has no owned autos, an application may be submitted using the Non-Ownership charge. However, some underlying coverage must exist in the form of a Non-Ownership Automobile Liability Policy or Drive Other Car coverage.

In the case of co-ownership of property, a copy of the declaration for the co-owner’s policy must be submitted.

Special Rates:

The company may change rates other than those indicated when required by its reinsurers and submitted as an individual risk filing.

.

06/01/14 Madison Mutual Insurance Company (WI) II A - 1

POLICY TYPE

The Personal Umbrella policy provides for a $1,000,000 basic limit of liability for each occurrence. Optional limits are available up to $5,000,000. The two principal features include:

Excess coverage over the insured’s primary underlying policies.

Additional coverage for exposures not provided for under the insured’s primary policies (This coverage is subject to a retained limit of $250, $500 or $1000).

The basic coverage under this program may include:

Personal Liability including residences and farms

Eligible owned and non-owned automobiles

Watercraft

Employers Liability

Recreational Vehicles

RETENTION LIMIT DISCOUNTS The minimum retention by the insured for occurrences not covered by underlying insurance is $250. For retained limits greater than $250, reduce the total premium as follows:

Retained Limit Premium Credit $500 $3.00 $1,000 $5.00

12/07/2017 Madison Mutual Insurance Company (WI) II B - 1

BILLING PAYMENT OPTIONS Our umbrella program offers three payment options to policyholders. These options are the following:



• Automated Debit 12 Pay - A monthly (ACH) requires 2 months down Down payments on any bill plan option can be made by the following payment types:



• Credit Card Automated Debit 12 Pay requires an authorization form to be completed and attached to the policy or kept in the agency office. There is a $1 service charge per installment when selecting this method of payment. This type of payment does require an immediate down-payment. If no money is collected, an immediate transaction will pull from the customer’s account. There is a $20 Insufficient Fund charge when a payment is not honored by the financial institution Credit cards can be used with our Direct Bill payment options. A current email address is required with this form of payment. There is a $5 service charge per installment. In order to finalize any outstanding balances, there is a minimum seven day delay until any refunds are processed. In the event we receive an overpayment on a policy, the entire amount will be applied to the following installment and will not be divided among the remaining installments. If a policy is cancelled for non-payment and a payment is later received there are two options:

• Reinstate with a lapse in coverage. This is allowed only within 14 days after cancellation and there is no coverage during this time. Payments received after the 14 days will be returned

• If 30 days past the due date, a new application must be submitted as new business and all previous discounts will not apply


III A-1

COVERAGE LIABILITY MINIMUMS

If Madison Mutual is not the primary carrier, the minimum underlying requirement is $500,000

Coverage Required Underlying Limits

Automobile $250,000/500,000 Bodily Injury $100,000 Property Damage

or $300,000 Combined Single Limit

Homeowners or Farmowners Personal $300,000 Single Limit

Watercraft - less than 26 feet in length $300,000 - 26 feet or more in length $500,000 - personal watercraft including $500,000

but not limited to wave runners and jet skis

Recreational Vehicles (must include $250,000/500,000 Bodily Injury Guest Passenger Liability) $100,000 Property Damage or

$300,000 Combined Single Limit

Motorcycles licensed for roadway use $250,000/500,000 Bodily Injury (must include Guest Passenger Liability) $100,000 Property Damage

or $300,000 Combined Single Limit

Business Pursuits or Owned $300,000 Bodily Injury Property - Rental Property $50,000 Property Damage (Up to 4 family) or

$300,000 Single Limit

Employers' Liability $500,000 Per Employee $500,000 Per Accident $500,000 Per Disease

*Minimum Annual Premium is $150.00

*The Company may modify the premium based on the exposure.

PERSONAL LIABILITY - Residences & Farms

$1M $2M $3M $4M $5M

A. Initial Residence

160 acres or less 50$ 80$ 110$ 140$ 170$

B. Initial Farm Residence

160 acres or less 60$ 96$ 132$ 168$ 204$

C. Each Additional Residence (Includes Farms) 15$ 24$ 33$ 42$ 51$

D. Additional Farm Acreage

0 - 160 acres 10$ 16$ 22$ 28$ 34$

161 - 500 acres 20$ 32$ 44$ 56$ 68$

501 - 1000 acres 30$ 48$ 66$ 84$ 102$

1001 - 1500 acres 40$ 64$ 88$ 112$ 136$

1501- 2000 acres 50$ 80$ 110$ 140$ 170$

Over 2000 acres 60$ 96$ 132$ 168$ 208$

*Includes all owned, leased, rented, and operated acres.

*Do not charge for acreage if wooded or used for a yard.

E. Vacant Lot < 5 acres 10$ 16$ 22$ 28$ 34$

F. Time Share 15$ 24$ 33$ 42$ 51$

G. Additional Insured

Business Type $15 $15 $15 $15 $15

All Other Types N/C N/C N/C N/C N/C

H. Pond or Adjoining Lake 10$ 16$ 22$ 28$ 34$

I. Vacant Lots with Structures 15$ 24$ 33$ 42$ 51$

UMBRELLA RATES

06/01/14III B-1

Madison Mutual Insurance Company (WI)

AUTOMOBILE LIABILITY

$1M $2M $3M $4M $5M

A. Initial Vehicle 85$ 136$ 187$ 238$ 289$

B. Additional Vehicle 30$ 48$ 66$ 84$ 102$

*Owned, Leased, or Furnished for Regular Use

C. No Vehicle - Non-Ownership Charge 50$ 80$ 110$ 140$ 170$

D. Youthful Driver Surcharge (less than 25) 50$ 80$ 110$ 140$ 170$

*Number of youthful operators should not exceed the number of vehicles

E. Motorcycle 30$ 48$ 66$ 84$ 102$

F. Motor Home 30$ 48$ 66$ 84$ 102$

WATERCRAFT LIABILITY

$1M $2M $3M $4M $5M

A. Watercraft Length/HP

Sailing < 26' 20$ 32$ 44$ 56$ 68$

Paddle Boats <26' 20$ 32$ 44$ 56$ 68$

0-15.99/0-25 20$ 32$ 44$ 56$ 68$

0-15.99/26-50 38$ 61$ 84$ 106$ 129$

0-15.99/51-100 57$ 91$ 125$ 160$ 194$

16-25.99/0-25 20$ 32$ 44$ 56$ 68$

16-25.99/26-50 38$ 61$ 84$ 106$ 129$

16-25.99/51-100 57$ 91$ 125$ 160$ 194$

16-25.99/101-150 57$ 91$ 125$ 160$ 194$

16-25.99/151-275 99$ 158$ 218$ 277$ 337$

26-40/0-25 31$ 50$ 68$ 87$ 105$

26-40/26-50 38$ 61$ 84$ 106$ 129$

26-40/51-100 57$ 91$ 125$ 160$ 194$

26-40/101-150 70$ 112$ 154$ 196$ 238$

26-40/151-275 110$ 176$ 242$ 308$ 374$

26-40/276-350 140$ 224$ 308$ 392$ 476$

26-40/351-450 170$ 272$ 374$ 476$ 578$

B. Watercraft < 26HP

Wave Runners 30$ 48$ 66$ 84$ 102$

Jet Skis 30$ 48$ 66$ 84$ 102$

Youthful Operator Surcharge(age 16-25) 20$ 32$ 44$ 56$ 68$

*Number of youthful operators should not exceed the number of watercrafts

*Where two or more motors are used together in connection with any single

06/01/14III B-2


watercraft, the combined horsepower will be used for rating purposes.

RECREATIONAL VEHICLES

$1M $2M $3M $4M $5M

A. Golf Cart 10$ 16$ 22$ 28$ 34$

B. Snowmobiles 10$ 16$ 22$ 28$ 34$

C. ATV 10$ 16$ 22$ 28$ 34$

D. Mini-Bikes 10$ 16$ 22$ 28$ 34$

E. Trial Bikes 10$ 16$ 22$ 28$ 34$

F. Other Vehicles Not Licensed for Highway 10$ 16$ 22$ 28$ 34$

G. Other RV Vehicles 10$ 16$ 22$ 28$ 34$

H. Youthful Driver Surcharge/RV (age 16-25) 20$ 32$ 44$ 56$ 68$

*Number of youthful operators should not exceed the number of recreational vehicles.

BUSINESS PURSUITS, BUSINESS PROPERTY, AND OTHERS

$1M $2M $3M $4M $5M

A. Business Pursuits

HO, FO, CPL, or FCPL additional 10$ 16$ 22$ 28$ 34$

Office Premises 10$ 16$ 22$ 28$ 34$

B. Custom Farming 25$ 40$ 55$ 70$ 83$

06/01/14III B-3



UMBRELLA ENDORSEMENTS DL9808 (10/06) – Personal Umbrella Liability Policy Trust Endorsement DL9812 (10/06) – Personal Umbrella Liability Policy Auto Liability Following Form Endorsement DL9813 (10/06) – Personal Umbrella Liability Policy Exclusion – Designated Auto Endorsement DL9814 (10/06) – Personal Umbrella Liability Policy exclusion – Designated Recreational Motor Vehicle

Endorsement DL9815 (10/06) – Personal Umbrella Liability Policy Exclusion – Designated Watercraft Exclusion

Endorsement DL9816 (10/06) – Personal Umbrella Liability Policy Exclusion – All Hazards in Connection with Designated Premises Endorsement DL9817 (04/02) – Personal Umbrella Liability Policy Exclusion – Fungi, Wet, or Dry Rot, or Bacteria

Endorsement DL9824 (10/06) – Personal Umbrella Liability Policy Exclusion – Motorcycle and Moped Endorsement DL9825 (10/06) – Personal Umbrella Liability Policy Exclusion – Watercraft Endorsement DL9826 (10/06) – Personal Umbrella Liability Policy Exclusion – Recreational Motor Vehicle Endorsement DL9830 (10/06) – Personal Umbrella Liability Policy Exclusion – Motor Home Endorsement Personal

Umbrella Liability Policy

DL9863 (09/11) – Personal Umbrella Liability Policy Amendment of Policy Provisions - Wisconsin DL9902 (10/06) – Excess Permitted Incidental Occupancies Liability Coverage Endorsement MM725 (10/12) – Additional Insured Endorsement MM740 (10/12) – Additional Insured Endorsement – Partnership or Joint Venture MM745 (10/12) – Additional Insured Endorsement – Corporation MM750 (10/12) – Additional Insured Endorsement – Financial Institution MM754 (10/12) – Pollution Exclusion MM785 (10/12) – Guest Passenger Liability Exclusion



FARMOWNER UNDERWITING MANUAL INDEX

SECTION I – UNDERWRITING GUIDELINES

A. Farmowner Underwriting Guidelines

B. Underwriting Guidelines for Dwellings and Other Structures

C. Agent Underwriting Guidelines

D. Definitions and Coverage Minimums

E. Types of Farm Properties

SECTION II – DWELLINGS

A. Rate Order of Calculation

B. Discounts and Surcharges

C. Insurance Score

D. Individual Premium Modification Plan

SECTION III – FARM ENDORSEMENTS – DESCRIPTION, GUIDELINES, AND RATING

A. Forms and Endorsement List

B. Liability Endorsements

C. Property Endorsements

D. Madison Mutual Endorsements

SECTION IV – BILLING PAYMENT OPTIONS

SECTION V – CLAIM PROCESSING


FARMOWNER UNDERWRITING GUIDELINES The Madison Mutual Insurance Company Farm Program is aimed at the modern up to date farm where the principal operation is the growing of grains, feeds, produce, or the raising of livestock. Commercial or farm commercial exposures which present unique liability and property risks are not eligible for this program. We specifically target the small, hobby, or medium size farm. The Company prefers that the owner live on the insured location and is heavily involved in the day to day operation of the farm. All buildings both for the residence and farm should be well maintained and updated regarding the plumbing, electrical, and heating. The roof should be in excellent condition. All risks should reflect a good claim history and financial record. Claim activity should be thoroughly documented and investigated regarding the nature of the loss. The loss record should be reviewed for any frequency and severity trends. Also, are there adequate safety and preventive measures in place not only in regards to the building but the premises as well. The following list is typical for the type of risks we are writing under our farm program:

• Country home with 5 or more acres

• Grain operations – corn, wheat, soybeans

• Hay

• Vegetables

• Potatoes

• Orchards

• Cattle

• Sheep and goats

The following list is representative of the type of risks and operations that we do not write under our farm program:

• Machinery or any type of auto repair service

• Any manufacturing

• Mining or gravel excavation

• Any public sales or auctions

• Those that allow the public to pick fruits or vegetables, or are involved in retail sale of farm products.

• Farms where the main objective is providing commodities for manufacturing or processing by the insured for sale to others, including custom feed.

• Custom farming work with over 15% of income and/or exceeding $100,000.

• Poultry or commercial hatcheries

• Any rifle or pistol range facilities

• Logging or sawmill operations

• Farms with 2 or more horses

• Any horse boarding, training, breeding, or rodeo exposure

• Plant or tree nurseries open to the public

• Any public hay rides, or organized off-road racing

• Hog confinements


UNDERWRITING GUIDELINES FOR DWELLINGS AND OTHER STRUCTURES

Dwelling:

• Must be in excellent to good condition with the premises being well maintained.

• Roof should not be brittle or aged. • With roof surfacing 16 years old or older are subject to Actual Cash Value (ACV) Loss settlement.

• Must have a modern electrical system with minimum amperage of 100 amps or 200 amps with electrical heat.

• Electrical wiring should not be frayed and must be properly installed by a licensed electrician.

• Must have an approved central heating system which is defined as a heating system which directly distributes heat to all rooms in the dwelling by way of ducts or in the case of hot-water heat, a steam or hot-water system.

• Must have full masonry foundation under the dwelling exterior supporting walls.

• Porches are to be secured and adequately footed.

• Hand rails should be on any risk with four or more steps.

• Must have a modern plumbing system permanently piped to a reliable water supply. Mobile-Manufactured Homes:

• Must be insured for at least $10,000.

• Must not be the primary residence.

• Must be occupied by no more than one family.

• Must be manufactured within the last 20 years.

• No solid fuel-burning units’ factory-installed units are eligible.

• Be anchored with tie-downs that are positioned every 20 feet.

• Skirting must be properly installed.

• Attached rooms must be very well constructed, securely attached, and must have a sloped roof.

• Steps at all entrances must be securely anchored to the ground.

• Must be in very good condition with excellent housekeeping. Other specific underwriting guidelines for ineligible dwellings include:

• No aluminum wiring or knob or tube wiring and/or cloth covered wiring

• FPE Stab-Lok electrical panels are unacceptable.

• No dwellings with asbestos or asphalt siding

• Wood burning stoves must be properly installed and UL approved

• Wood stove must not be the primary heat source nor located in garage or outside structure

• No worn roofing, cracked foundation, or poor maintenance

• Roofs with multiple layers are not eligible

• No dwellings with a roll, tin, rock, tar, gravel, or wood roof.

• Log cabin dwellings or homes with wood shake siding are ineligible

• No property that is for sale or vacant

• No modular homes that are over 20 years old

• No homes undergoing extensive repair

• All trampolines must be anchored and padded

• Risks that have the following breeds: Chow, Pit Bull, Staffordshire Terrier, Rottweiler, Mastiff, Wolf Hybrid, Presa Canarios, Akita, or any dog that is one of the mixes listed are ineligible

• Risks with animals with a biting history or has displayed an aggressive nature are ineligible

• Risks with more than two losses in the last five years should be submitted to underwriting for approval.

• No dwellings with more than a two-family residence


• Homes where the replacement cost is greater than 125% of the actual cash value or market value refer to the Company

• ATV or watercraft must meet the driving record found under the Personal Automobile Program. High performance ATV/watercraft are not eligible

• Prior Insurance: Applicant must have prior insurance including policies that have lapsed or cancelled for nonpayment. This does not apply to first time home buyer when living with parents.

In-Ground Pools

• Must have a 4-foot fence with a locking gate.

• Pools with diving boards are eligible if the depth is 8 feet or more and if the board is no more than 20 inches above the water level.

• Slides are eligible with a minimum pool depth of 5 feet. Above-Ground Pools

• Pools require a locking gate if they are more than 48” in height.

• A 4’ fence with locked gate or an elevated decking completely surrounding the pool and a retractable ladder that leads to a self-closing, self-locking gate.

• Diving boards and pool slides are not eligible with above ground pools. Protection Class

• The protection class listings received by ISO LOCATION (PPC) apply to risks insured under Homeowner Policies.

• Single Class: In a classified area where the primary responding fire department has a single classification (e.g. 6,) applies for all properties located within the classified area.

• Split Classification: In a classified are where two or more classifications are shown, the classifications will be displayed as “#/#X” (e.g. 6/6X). The classification is assigned as follows:

Distance to Primary Responding Fire

Department Protection Class

A. 5 Road miles or less and within 1,000 feet of a hydrant

Use the first class shown (e.g. 6/6X), use class 6

B. 5 road miles or less and over 1,000 feet to hydrant

Use the second class shown (e.g. 6/6X), use 6X

C. More than five, but less than seven road miles and within 1000 feet of hydrant

Use Class 10W

D. For properties not qualifying for A, B, or C. above

Use Class 10


AGENT UNDERWRITING GUIDELINES The agent is authorized to submit business in accordance with all Company guidelines and requirements. At the time of submission, the agent will be advised regarding acceptability and whether the risk has been approved. Additional information may be required before the risk is approved. In this situation, no coverage is in effect until authority is given by the Company underwriter. All Farmowner polices are to be submitted to the Company for approval. All applications including changes are to be submitted through the Company’s inCore system. Dwellings must have a Residential Component Technology (RCT) completed on all dwellings. Agents may use the “standard” classification when computing the replacement values on pre-1930 and pre-1940 homes on the RCT system. The Company considers the agent as the front-line underwriter for submitting risks. All available information should be reviewed prior to sending to the Company. The agent should complete an inspection of the property and complete the ordering of all reports including for losses (CLUE), the insurance score (Personal Finance Level), and the RCT as mentioned above. While the Company will complete an inspection on all farm applications, it is essential that the agent review the underwriting guidelines and how they apply to the risk before sending to the Company. Agents are not required to send photos but should inspect the premises first before sending to the Company for consideration.


I D-1

DEFINITIONS FARM PROPERTY is defined as dwellings, barns, sheds, and other outbuildings used in connection therewith and their contents of scheduled or unscheduled personal property and farm personal property situated on land used for poultry, fruit, livestock, dairy, grain or other farming purposes. DWELLING means a building designed and used for one or two family residential occupancy. BARNS AND OTHER STRUCTURES meaning, but not limited to silos, garages, implement sheds, offices, and grain storage structures all used in the farming operation. UNSCHEDULED PERSONAL PROPERTY means household goods. FARM PERSONAL PROPERTY means, but is not limited to, livestock, poultry, farm produce, farm machinery, farm supplies, equipment, all used in the farming operation. LIVESTOCK means horses, cattle, swine, mules, goats and sheep. GRAIN means harvested crops, row or otherwise, seeds, silage, and for the perils of fire and malicious mischief the company includes in this definition of grain, growing crops. (Loss settlement varies with maturation of crop.)

COVERAGE MINIMUMS

Coverage Basic Broad Special

Owner Occupied/Additional Dwelling

A. Dwelling 50,000 75,000 125,000

B. Other private Structures Appurtenant to Dwellings 10% of Cov A 10% of Cov A 10% of Cov A

C. Household Personal Property 50% of Cov A 50% of Cov A 50% of Cov A

D. Loss of Use 20% of Cov A 20% of Cov A 20% of Cov A

Unit Owners

A. Dwelling None None None

C. Household Personal Property None None None

D. Loss of Use 50% of Cov C 50% of Cov C 50% of Cov C

Manufactured Homes

A. Dwelling 10,000 10,000 10,000

C. Household Personal Property 50% of Cov A 50% of Cov A 50% of Cov A

D. Loss of Use 20% of Cov A 20% of Cov A 20% of Cov A

Other Coverages

E. Scheduled Farm Personal Property None None None

F. Unscheduled Farm Personal Property None None None

G. Barns, Outbuildings and Other Farm Structures None None None

H. Bodily Injury and Property Damage Liability None None None

I. Personal and Advertising Injury Liability None None None

J. Medical Payments None None None

11/01/2017 Madison Mutual Insurance Company (WI) I D-2

TENANT OCCUPIED DWELLING - RATING

Coverage Frame Masonry

Coverage B, C, & D (per $100) .70 .60

PERSONAL PROPERTY – COVERAGE C INCREASED LIMIT

Policy Type Premium

Basic, Broad, & Special $2.00 per $1,000 of insurance

*Minimum overall policy premium is $150.00

11/01/2017 Madison Mutual Insurance Company (WI) I E-1

POLICY FORM TYPES

Basic

• Fire or Lightning

• Windstorm or Hail

• Explosion

• Riot or Civil Commotion

• Aircraft

• Vehicles

• Smoke

• Vandalism

• Theft

• Sinkhole Collapse (man-made excluded)

• Collision (Cov E and F only)

• Flood Loss to “Livestock”

Broad

• Includes all of the Broad Perils

• Electrocution of Covered Livesstock

• Attacks on Covered Livestock by Dogs or Wild Animals

• Accidental Shooeting of Covered Livestock

• Drowning of Covered Livestock from External Causes

• Loading and Unloading Accidents

• Breakage of Glass or Safety Glazing Material

• Falling Objects

• Weight of Ice, Snow, or Sleet

• Sudden and Accidental Tearing Apart

• Accidental Discharge or Leakage of Water or Steam

• Freezing of a Plumbing, Heating, Air Conditioning, or Automatic Fire Protection System (if

reasonable care)

• Sudden and Accidental Damage

Special

• Open perils unless excluded in Section E. Exclusions

11/01/2017 Madison Mutual Insurance Company (WI) I E-2

FARM PROPERTY - BARNS, OUTBUILDINGS AND OTHER FARM STRUCTURES – COVERAGE G

CLASSIFICATION TYPES AND DEFINITIONS

Each building or structure must be classified in accordance with the following requirements and should be

inspected prior to submission. See the Rate Section of the manual for premiums for specific types of

buildings.

Type 1

• Buildings should be of superior construction

• Excellent repair and well maintained

• Utilized solely for the original farming operation

• Must be less than two stories

• Continuous masonry or concrete foundation under all exterior walls

• Buildings must be fully enclosed with no open sheds

• No hay storage

• Minimum amount of coverage $5000

Type 2

• Buildings should be in very good condition and well maintained

• Above average construction

• Open sheds and hay storage allowed

• Continuous masonry or concrete foundation under all exterior walls

• Buildings framed on poles of a minimum of six inch diameters at ground level, if set a

minimum of four feet below ground level plus the poles must be pressure treated with

wood preservatives.

• Should be fully enclosed on at least three sides

• Insured for at least 80% of Actual Cash Value

• Minimum amount of coverage $2000

Type 3

• Structures not meeting the minimum requirements for Type 1 or Type 2

• Buildings of average construction

• Buildings not utilized for their original farming operations

• Structures used for grain grinding and cleaning

• Used for feed mixing

• Hay chopping


Farm Dwellings

Rate Order of Calculation

Base Premium

X Territory

X Coverage A

X Construction Class

X Fire Protection Class

X Square Footage

X Policy Type

X Roof Type

X Age of Home

X Home Protection Device

X Deductible

X Insurance Score

X Prior Claims

X Loyalty Discount

X Multi-Policy Discount

X Mature Discount

TOTAL PREMIUM

11/01/2017 Madison Mutual Insurance Company (WI) II B- 1

DISCOUNTS AND SURCHARGES

Deductibles Applies to Basic, Broad, & Special Forms

All Other Perils Deductible

Windstorm or Hail Deductible

Discount/Surcharge

$500 $1,500 9%

$1,000 $1,500 Base

$1,500 $1,500 -4%

$2,000 $2,000 -10%

$2,500 $2,500 -13%

$5,000 $5,000 -22%

Age Discounts and Surcharges Applies to Basic, Broad, & Special Forms

Age of Home Discount Surcharge

0 years 28% -

1 year 27% -

2 years 26% -

3 years 24% -

4 years 22% -

5 years 20% -

6 years 16% -

7 years 12% -

8 years 10% -

9 years 6% -

10 years 3% -

11 years 2% -

12 years - -

13 years - -

14 years - 1%

15-19 years - 2%

20-24 years - 4%

25-29 years - 5%

30-34 years 6%

35-39 years 8%

40-44 years 8%

45-49 years 10%

50-54 years 10%

55-59 years 11%

60-64 years 12%

65-69 years 14%

70-74 years 14%

75-79 years 16%

80-84 years 16%

85-89 years 18%

90-99 years 20%

100+ years - 22%

11/01/2017 Madison Mutual Insurance Company (WI) II B- 2

Home Protection Device Credits Applies to Basic, Broad, & Special Forms

Loyalty Discount Applies to Basic, Broad, & Special Forms

A loyalty adjustment will be applied to the rates based on the number of years the policy has been in force with Madison Mutual. This Loyalty discount is the years the policyholder has maintained continuous coverage under a Madison Mutual policy.

Years Insured With MMIC

Discount

0-2 0%

3 2%

4 3%

5 4%

6 5%

7 6%

8+ 7%

Multi-Policy Discount Applies to Basic, Broad, & Special Forms

Farmowner policies are eligible for a 15% discount to the base premium if the named insured has a private passenger auto policy currently in force. The discount will be added to existing policies at renewal and cannot be added mid-term.

Mature Discount Applies to Basic, Broad, & Special Forms

Age Factor

0 - 49 1.00

50 - 54 0.98

55+ 0.95

Prior Claims Applies to Basic, Broad, & Special Forms

Number of Prior Claims

Non-Weather Weather

0 1.00 1.00

1 1.20 1.05

2+ 1.50 1.20

*There is no charge on claims that have paid out less than $1000 or that are over 3 years old.

Code Device Discount

01 None 0%

02 Smoke Detection, Deadbolt Locks, Fire Extinguisher .5%

03 Local Burglar Alarm, Deadbolt Locks on Exterior Doors, Fire Extinguisher, Smoke Detection

2%

04 Fire/Burglar System Reporting To Police, Fire or Central Station, Deadbolt Locks on Exterior Doors, Fire Extinguisher, Smoke Detectors

5%

05 All of the Above plus Partial Sprinkler 10%

06 All of the Above plus Full Sprinkler 15%


PERSONAL FINANCE LEVEL

INSURANCE SCORE

FACTOR

LEVEL 0 No Hit/Score 1.00

LEVEL 1 >=891 0.70

LEVEL 2 858 to 890 0.76

LEVEL 3 829 to 857 0.82

LEVEL 4 807 to 828 0.86

LEVEL 5 788 to 806 0.91

LEVEL 6 771 to 787 0.94

LEVEL 7 758 to 770 0.96

LEVEL 8 744 to 757 1.00

LEVEL 9 734 to 743 1.03

LEVEL 10 723 to 733 1.06

LEVEL 11 714 to 722 1.09

LEVEL 12 705 to 713 1.13

LEVEL 13 696 to 704 1.16

LEVEL 14 687 to 695 1.20

LEVEL 15 678 to 686 1.23

LEVEL 16 666 to 677 1.27

LEVEL 17 655 to 665 1.31

LEVEL 18 643 to 654 1.36

LEVEL 19 631 to 642 1.41

LEVEL 20 618 to 630 1.46

LEVEL 21 603 to 617 1.52

LEVEL 22 585 to 602 1.59

LEVEL 23 567 to 584 1.66

LEVEL 24 549 to 566 1.75

LEVEL 25 <=548 1.85



• Renewal Business – The Personal Finance Level will be applied to existing business not yet scored. Thereafter, a new insurance score may be ordered at the request of the named insured or the insured’s agent once every 12 months.

• The Company will annually re-underwrite and rerate based upon a current credit report or insurance score if the insured or the insured’s agent makes a request unless the insurer’s treatment is as 1) otherwise approved by the Department; 2) the insured is already in the most favorably priced tier; 3) credit was not used for rating when the policy was initially written; or 4) the insurer has recalculated an insurance score or obtained an updated credit report of the consumer in the previous 12-month period.



11/01/2017 Madison Mutual Insurance Company (WI) II C-1

11/01/2017 Madison Mutual Insurance Company (WI) II D- 1

INDIVIDUAL PREMIUM MODIFICATION PLAN

This plan may be utilized at the discretion of the Company for any farmowner policy that develops a premium of $1000 or more prior to the application of this plan. This plan recognizes unique exposures or characteristics that warrant the application of the credit or debit outlined below. The purpose of the plan is to recognize the special risks that are not contemplated in the base premiums. The total credit or debit for any one policy may not exceed 25%

RISK EXPOSURE RANGE OF CREDIT

OR DEBIT

Loss History or Exposure: No losses in the last five years; weather only related claims; no theft, fire, liability claims in the last five years; loss history reflects little or no frequency or severity. Other considerations: damage susceptibility, location, concentration, exposure to windstorm.

-10% to 10%

Management: Named insured is owner and fully involved in the day to day operation of the farm; safety programs implemented and reviewed on a routine basis including training for farm employees; willing to cooperate with the recommendations of the Company and provides up to date information on inventory and changes in exposures.

-10% to 10%

Equipment, Machinery, and Livestock: Type of livestock and care demonstrated on the location; safety precautions and upkeep of equipment and machinery; how and where is livestock and machinery kept; is fencing provided for livestock; where is equipment kept and is routine maintenance performed; how old is the machinery and is it regularly inspected.

-10% to 10%

Building Construction: Dwellings are of superior construction and have modern plumbing, heating, with a minimum amperage of 100; no knob and tube wiring; upkeep of premises shows care and pride of ownership; well-maintained grounds roofs on all dwelling and farm structures are not aged or brittle.

-10% to 10%

Protective and Safety Features: Fire extinguishers and smoke alarms are present and in good working condition; hazardous material properly maintained and disposed; fire and burglar alarm to police, fire, or central station; no attractive nuisance present such as trampolines, slides, or diving boards unless safety features are present such as trampolines padded and anchored; no aggressive breeds of dogs such as Pit Bulls, Dobermans, Chow, or Rottweiler.

-10% to 10%

11/01/2017 Madison Mutual Insurance Company (WI) III A-1

FORMS AND ENDORSEMENT LIST

FARM LIABILITY FORMS AND ENDORSEMENTS

Form # Edition Date Name FL0020 Oct-06 Farm Liability Coverage Form FL0116 Sep-94 Exclusion – Migrant and Seasonal Agricultural Worker Protection Act FL0163 Apr-16 Amendatory Endorsement FL0406 Jan-98 Additional Residence Rented to Others FL0407 Oct-88 Additional Insured and Residence Premises FL0430 Sep-03 Limited Farm Pollution Liability Extension Endorsement FL0432 Jun-90 Additional Insured – Executors, Administrators, Trustees, or

Beneficiaries FL0443 Jan-98 Business Activities FL0450 Oct-06 Additional Insured – Farm Liability FL0465 Oct-06 Farm Employers’ Liability and Farm Employees’ Medical Payments

Insurance FL0469 Sep-03 Custom Farming Liability Coverage FL0471 Oct-06 Owned Snowmobile Coverage FL0474 Oct-06 All-Terrain Vehicle Coverage FL0477 Sep-03 Insureds’ Liability While Employed by Others in Non-Farm Jobs FL0483 Sep-03 Watercraft FL0532 Oct-06 Limited Fungi or Bacteria Coverage – Liability FL1001 Apr-16 Exclusion – Employment Related Practices FL1002 Jun-90 Exclusion – Personal and Advertising Injury Liability FL1003 Apr-16 Exclusion – Advertising Liability FL1005 Jan-98 Exclusion – Designated Products – Off Premises FL1006 Jan-98 Exclusion – Products Related to a Specific Premises or Operation FL1007 Apr-16 Exclusion – Products and Completed Operations FL1008 Sep-03 Contractual Liability Limitation FL1012 Dec-14 Exclusion-Access or Disclosure of Confidential or Personal Information

and Data Related Liability-With Limited Bodily Injury Exception FL1040 Jan-15 Certified Acts of Terrorism Aggregate Limit; Cap on Losses From

Certified Acts of Terrorism FL1044 Jan-15 Exclusion of Certified Nuclear, Biological, Chemical or Radiological Acts

of Terrorism; Cap on Losses From Certified Acts of Terrorism FL1050 Oct-06 Exclusion – Silica or Silica-Related Dust FL1067 Jan-15 Conditional Exclusion of Terrorism (Relating to Disposition of Federal

Terrorism Risk Insurance Act) FL1068 Jan-15 Conditional Exclusion of Terrorism Involving Nuclear, Biological or

Chemical Terrorism (Relating to Disposition of Federal Terrorism Risk Insurance Act)

FL1069 Jan-15 Conditional Limitation of Coverage For Terrorism On An Annual Aggregate Basis (Relating to Disposition of Federal Terrorism Risk Insurance Act)

FL1071 Jan-15 Exclusion of Other Acts of Terrorism Committed Outside the United States; Cap of Losses From Certified Acts of Terrorism

FL1073 Jan-15 Exclusion of Certified Acts of Terrorism FL1075 Jan-15 Exclusion of Certified Acts of Terrorism and Exclusion of Other Acts of

Terrorism Committed Outside the United States FL1076 Jan-15 Exclusion Punitive Damages Related to a Certified Act of Terrorism IL0021 Sep-08 Nuclear Energy Liability Exclusion Endorsement IL0283 Sep-07 Wisconsin Changes – Cancellation and Non-Renewal


FARM PROPERTY FORMS AND ENDORSEMENTS Form # Edition Date Name FP0012 Apr-16 Farm Property – Farm Dwellings, Appurtenant Structures and Household

Personal Property Coverage Form FP0013 Apr-16 Farm Property – Farm Personal Property Coverage Form FP0014 Apr-16 Farm Property – Barns, Outbuildings and Other Farm Structures

Coverage Form FP0030 Apr-16 Mobile Agricultural Machinery and Equipment Coverage Form FP0040 Apr-16 Livestock Coverage Form FP0090 Apr-16 Farm Property – Other Farm Provisions Form – Additional Coverages

Conditions, Definitions FP0148 Apr-16 Wisconsin Changes FP0160 Mar-08 Exclusion of Loss Due to Virus or Bacteria FP0304 Jan-98 Single Farm Property Per-Occurrence Deductible FP0407 Apr-16 Increased Special Limits on Specified Household Personal Property FP0409 Apr-16 Increased Special Limits on Business Property FP0420 Apr-16 Foreign Objects in Machinery FP0421 Jan-98 Debris Removal Increased Limit of Insurance FP0422 Jan-98 Pollutant Clean Up and Removal Additional Aggregate Limit of Insurance FP0424 Apr-16 Spoilage Coverage – Perishable Farm Personal Property FP0428 Apr-16 Coverage G – Barns, Outbuildings and Other Farm Structures – Blanket

Insurance FP0431 Jan-98 Inflation Guard FP0436 Apr-16 Replacement Cost – Household Personal Property FP0450 Jan-98 Additional Insured – Farm Property FP0456 Jan-98 Collision Resulting in Death of Livestock FP0461 Apr-16 Scheduled Personal Property FP0478 Sep-03 Functional Building Evaluation FP0479 Jan-98 Functional Farm Personal Property, Machinery and Equipment Valuation FP0480 Apr-16 Rental to Others – Theft Coverage FP0503 Apr-16 Debris Removal Expense FP0520 Sep-03 Scheduled Farm Personal Property Away from the Insured Location FP0522 Sep-03 Cab Glass Breakage FP0525 Apr-16 Increased Limits for Structures Appurtenant to Dwellings FP0527 Apr-16 Motorized Golf Carts FP0528 Apr-16 Wisconsin Changes – Unit Owners Coverage FP0530 Mar-08 Exclusion of Loss Due to Virus or Bacteria; Limited Coverage for Fungi,

Wet Rot and Dry Rot, Property FP0531 Apr-16 Exclusion of Loss Due to Virus or Bacteria; Limited Coverage for Fungi,

Wet Rot and Dry Rot – Farm Dwellings, Appurtenant Structures and Household Personal Property

FP1004 Apr-16 Livestock – Additional Causes of Loss FP1015 Apr-16 Windstorm or Hail Exclusion FP1021 Apr-98 Exclusion of Certain Computer-Related Losses FP1040 Apr-16 Cause of Loss – Earthquake Form FP1057 Apr-16 Coverage for Damage Sustained Only by Tires in Collisions, Upsets or

Overturns of Mobile Agricultural Machinery and Equipment FP1060 Apr-16 Causes of Loss Form – Farm Property FP1209 Apr-16 Limitation on Windstorm or Hail Coverage for Roof Surfacing FP1210 Apr-16 Actual Cash Value – Dwellings and Appurtenant Private Structures FP1211 Sep-03 Loss Payable Provisions FP1212 Sep-03 Burglary and Robbery Protective Safeguards FP1229 Sep-03 Peak Season FP1301 Sep-03 Value Reporting Endorsement


FP1302 Oct-06 Report of Values FP1303 Oct-06 Supplemental Report of Values FP1401 Sep-03 Cov G Damage to Below Ground Foundation of Buildings or Structure

and Related Consequential Expense

MADISON MUTUAL FARM SPECIFIC LIABILITY AND PROPERTY ENDORSEMENTS MM101 Jan-17 Amendatory Endorsement - Inspection MM300 Sep-13 Farm Property – Equipment Breakdown Coverage MM380 Nov-13 Snowmobile Physical Damage Protection MM385 Nov-13 Off-Road Recreational Vehicles – Physical Damage Coverage MM395 Nov-13 Watercraft – Special Excess Limit of Liability MM433 Jan-17 Sound Receiving and Transmitting Equipment MM434 Nov-13 Coverage for Weight of Ice, Sleet, or Snow MM440 Jan-17 Roof Exclusion MM450 Nov-13 Additional Insured – Designated Premises Only (Section I & Section II) MM451 Nov-13 Additional Insured – Designated Premises Only (Section II) MM452 Nov-13 Additional Insured – Designated Premises Only (Section I) MM453 Nov-13 Additional Insured – Partnership MM576 Nov-13 Livestock Suffocation Endorsement MM579 Nov-13 Livestock Strangulation Endorsement MM825 Nov-13 Liability Coverages for Home Day Care Business MM830 Sep-13 Identity Management Coverage Endorsement MM883 Nov-13 Sump Overflow and Water Backup from Sewers or Drains (Coverage A,

B, C and D Only) MM970 Nov-13 Loss Rents Coverage MM980 Nov-13 Other Structure Exclusion Endorsement

11/01/2017 Madison Mutual Insurance Company (WI) III B-1

FARM LIABILITY ENDORSEMENTS DESCRIPTION/GUIDELINES/ RATING

FL0020 (10/06) Farm Liability Coverage Form – Mandatory – Provides the following coverages against

claims arising from the policyholder’s insured locations and farming operations, products, and personal activities, all on an occurrence basis. Coverages may include bodily injury, medical payments, property damage, personal injury, and advertising injury.

Liability Limit 100,000 300,000 500,000 1,000,000

Up to 160 Acres 61 76 93 132

161 – 500 Acres 74 100 116 178

501 – 1000 Acres 100 140 172 240

Over 1000 Acres 193 216 251 275

Medical Payment

1,000 2,000 5,000 10,000

4 7 20 28

FL0116 (09/94) Exclusion - Migrant and Seasonal Agricultural Worker Protection Act – Mandatory –

Excludes liability coverage for any damages awarded under the Migrant and Seasonal Agricultural Worker Protection Act, or any law or violation due to the Act.

No Charge

FL0163 (09/03) Amendatory Endorsement – Excludes bodily injury or property damage

arising out of pollution. Adds chemical drift liability coverage for physical injury to crops or animals.

No Charge FL0406 (01/98) Additional Residence Rented to Others – Applies to premises liability for additional

dwellings, whether on or off the farm premises, including dwellings rented or held for rental and owned by the named insured, spouse, or a member of the insured’s household.

Owner Occupied

Liability Limit

Medical Payment

1,000 2,000 5,000 10,000

100,000 14 15 20 29

300,000 18 22 26 35

500,000 23 26 30 39

1,000,000 25 28 32 42

One Family

Liability Limit

Medical Payment

1,000 2,000 5,000 10,000

100,000 19 22 29 34

300,000 22 25 32 37

500,000 29 32 39 44

1,000,000 34 37 44 49


Two Family

Liability Limit

Medical Payment

1,000 2,000 5,000 10,000

100,000 30 33 39 44

300,000 34 37 43 48

500,000 39 42 48 53

1,000,000 48 51 57 62

FL0407 (10/88) Additional Insured and Residence Premises – Adds liability protection to cover a resident

of the named insured’s household, if the resident is not included in the definition of insured in the FL0020.

Liability Limit

Medical Payment

1,000 2,000 5,000 10,000

100,000 28 31 33 36

300,000 32 35 37 40

500,000 38 41 43 46

1,000,000 48 51 53 56

FL0430 (09/03) Limited Farm Pollution Liability Extension Endorsement – Mandatory – Replaces and

restates the pollution exclusion in the Farm Liability Coverage Form FL0020, narrowing in scope principally to occurrences involving leaking underground storage tanks, and retaining the exclusionary provisions that relate to the handling of waste to responding to the effects of pollutants, to consequential losses, costs, or expenses, and to discharges from aircraft.

Limit Premium

$25,000 Included

$50,000 $45.00

$75,000 $80.00

$100,000 $110.00

FL0432 (06/90) Additional Insured - Executors, Administrators, Trustees, or Beneficiaries – Protects the

insurable liability interest for an executor, administrator, trustee, or beneficiary plus a living trust for the insured location(s).

No Charge FL0443 (01/98) Business Activities – Liability may be extended to cover a particular business at an

insured location. A description of the type of eligible business must be indicated. The endorsement does include an exclusion for liquor liability.

Limit Premium

$100,000 $23.00

$300,000 $33.00

$500,000 $43.00

$1,000,000 $58.00


FL0450 (10/06) Additional Insured - Farm Liability – The definition of an insured may be broadened to add the following categories: person or organization the insured leases land; person or organization that exercises financial control; non-resident co-owner of a non-farm or additional residence; relative who co-owns and helps operate the farm bur resides away from the farm premises.

Additional Insured Type

Limit of Liability

100,000 300,000 500,000 1,000,000

Type 1 No Charge No Charge No Charge No Charge

Type 2 30 35 43 52

Type 3 30 35 43 52

Type 4 25 30 38 47

Type 5 25 30 38 47




FL0465 (10/06) Farm Employers' Liability and Farm Employees' Medical Payments Insurance – Provides

coverage for farm employees including liability and medical payments coverage. Limits of insurance under this endorsement are independent of those for Coverage H, I, and J, and are not subject to the General Aggregate Limit. Indicate the selected limits on the schedule.

Full Time Employees > 180 Days

Liability Limit

Medical Payment

1,000 2,000 5,000 10,000

100,000 149 160 172 187

300,000 199 210 222 237

500,000 220 231 243 258

1,000,000 276 287 299 314

Part-Time Employees < 180 Days

Liability Limit

Medical Payment

1,000 2,000 5,000 10,000

100,000 52 59 67 77

300,000 70 77 85 95

500,000 77 84 92 102

1,000,000 97 104 112 122

FL0469 (09/03) Custom Farming Liability Coverage – Applies to farming operations performed by the

insured for others for a charge under contract or agreement. Form FL0020 includes coverage for liability from custom farming to the extent of the first $5000 of the insured’s receipts.

Receipts in Excess of $5000

Rate Per $100 of Coverage

Liability Limit

Medical Payment

1,000 2,000 5,000 10,000

100,000 0.88 0.96 1.04 1.11

300,000 0.98 1.05 1.12 1.19

500,000 1.20 1.28 1.34 1.42

1,000,000 1.47 1.55 1.61 1.67


FL0471 (10/06) Owned Snowmobile Coverage – Provides liability coverage for owned snowmobiles. Does not apply to motor vehicle registration or while used to carry persons for a charge. Also, no coverage while rented to others or operated in any racing.

Rate Per Snowmobile

Liability Limit

Medical Payment

1,000 2,000 5,000 10,000

100,000 56 64 72 79

300,000 69 77 85 92

500,000 80 89 98 105

1,000,000 85 93 100 117

FL0474 (10/06) All-terrain Vehicle Coverage – Liability coverage for specifically scheduled all-terrain

vehicles owned or operated by or rented or loaned to the insured. Does not apply to any all-terrain vehicles while rented to others, while used to carry persons for a charge or while operated in, or in practice for, any prearranged or organized race, speed contest or other competition. This endorsement would also be used for liability coverage on a motorized golf cart.

Rate Per ATV

Liability Limit

Medical Payment

1,000 2,000 5,000 10,000

100,000 36 50 64 92

300,000 56 80 94 112

500,000 86 96 109 128

1,000,000 106 116 129 148

FL0477 (09/03) Insureds' Liability While Employed by Others in Non-Farm Jobs – Provides liability for

the occupation, business pursuits, or profession described in the Schedule of the endorsement. This coverage is not for an insured who is the sole owner or in which the insured is a partner.

Liability Limit

Medical Payment

1,000 2,000 5,000 10,000

100,000 26 28 30 38

300,000 29 32 35 43

500,000 32 36 39 47

1,000,000 40 44 50 55

FL0483 (09/03) Watercraft – Includes liability coverage for watercraft that does not meet the limitation

in the liability form (outboard motors/engines of up to25 horsepower and sailboats less than 26 feet in length). No coverage while used to carry persons for a fee, bodily injury to any employee while engaged in the employment of the insured, or any organized racing.

Outboard Motor

Horsepower Limit of Liability

Up To 15 Feet 15 To 26 Feet

1,000 2,000 5,000 10,000 1,000 2,000 5,000 10,000

25 or < HP

100,000 Incl. Incl. Incl. Incl. Incl. Incl. Incl. Incl.



1,000,000 Incl. Incl. Incl. Incl. Incl. Incl. Incl. Incl.


26 – 50 HP

100,000 17 21 31 41 26 30 40 50

300,000 23 27 38 48 33 49 58 68

500,000 34 38 49 59 46 52 69 73

1,000,000 45 52 60 71 58 65 80 85

51 – 100 HP

100,000 38 45 59 73 48 54 68 82

300,000 46 55 69 83 56 65 79 93

500,000 52 61 75 89 63 73 87 101

1,000,000 66 75 98 111 77 87 101 116

101 – 150 HP

100,000 51 60 76 92 59 65 81 97

300,000 60 72 86 102 70 82 96 112

500,000 70 79 93 109 79 89 103 119

1,000,000 84 93 108 121 93 103 117 132

151 – 200 HP

100,000 66 75 92 111 70 79 98 118

300,000 74 89 103 121 84 97 113 131

500,000 85 98 111 129 95 108 121 139

1,000,000 106 123 135 155 116 133 145 165

Over 200 HP

100,000 97 102 107 113 120 125 134 143

300,000 120 126 131 137 146 155 164 173

500,000 130 139 144 150 159 171 180 189

1,000,000 170 181 197 208 200 211 223 237

Inboard/Outboard Motor

Horsepower Limit of Liability

Up To 15 Feet 15 To 26 Feet

1,000 2,000 5,000 10,000 1,000 2,000 5,000 10,000

50 or < HP

100,000 49 55 60 66 69 73 78 84

300,000 61 69 74 80 85 91 96 102

500,000 70 77 82 88 93 102 107 113

1,000,000 89 96 101 108 112 121 128 135

51 – 100 HP

100,000 74 78 83 89 90 96 101 107

300,000 92 97 102 108 113 120 125 131

500,000 101 108 113 119 121 133 138 144

1,000,000 120 128 135 141 146 156 162 168

101 – 150 HP

100,000 97 102 107 113 120 125 134 143

300,000 120 126 131 137 146 155 164 173

500,000 130 139 144 150 159 171 180 189

1,000,000 165 172 180 186 193 200 210 219

151 – 200 HP

100,000 120 126 131 137 140 146 155 164

300,000 150 157 162 168 167 176 185 194

500,000 160 170 175 181 183 193 202 211

1,000,000 191 200 207 219 228 239 248 257

Over 200 HP

100,000 143 150 157 164 172 178 183 190

300,000 172 179 186 201 214 219 227 235

500,000 183 191 198 210 223 230 239 250

1,000,000 228 238 248 256 267 278 287 296

Sailboats Personal Watercraft

Limit of Liability

26 to 40 Feet Limit of Liability

1,000 2,000 5,000 10,000 1,000 2,000 5,000 10,000

100,000 56 63 69 79 100,000 44 47 52 55

300,000 62 69 74 84 300,000 52 55 60 63

500,000 70 78 82 92 500,000 60 63 68 71

1,000,000 105 118 123 133 1,000,000 72 78 84 90


FL0532 (10/06) Limited Fungi or Bacteria Coverage – Liability – Mandatory – Used with liability form FL0020 to provide coverage for fungi or bacteria that are contained in a good or product, subject to an aggregate limit of insurance of $50,000.

No Charge FL1001 (04/16) Exclusion - Employment Related Practices – Mandatory – Amends Form FL0020 by

excluding bodily injury and personal injury liability arising out of employment related practices.

No Charge FL1002 (06/90) Exclusion - Personal and Advertising Injury Liability – Amends Form FL0020 to exclude

both the Personal and Advertising Liability from the form.

No Charge FL1003 (04/16) Exclusion - Advertising Liability – Amends the FL0020 by excluding the Advertising injury

component of Coverage I – Personal and Advertising Injury Liability

No Charge

FL1005 (09/98) Exclusion - Designated Products - Off Premises – Coverage under FL0020 is excluded

for damages, which arise out of a designated product and occurs off the premises owned or rented by the insured. Enter the designated product in the Schedule.

No Charge FL1006 (09/98) Exclusion- Products Related to a Specific Premises or Operation – Coverage may be

excluded for damages which arise out of a product connected with a designated premise or designated operation. Coverage applies on and off premises but does not apply to incidents which occur after the insured has relinquished possession of the product. Enter the designated premises or operation in the Schedule of the endorsement.

No Charge

FL1007 (04/16) Exclusion - Products and Completed Operations – Coverage under FL0020 may be

excluded for damages which occur away from the premises owned or rented by the insured arising out of farm products or operations.

No Charge

FL1008 (09/03) Contractual Liability Limitation – The policy may be endorsed to eliminate broad contractual liability coverage. The endorsement therefore provides a revised definition of “insured contract.”

No Charge


FL1012 (12/14) Exclusion-Access or Disclosure of Confidential or Personal Information and Data Related Liability-With Limited Bodily Injury Exception – Mandatory

No Charge

FL1040 (01/15) Certified Acts of Terrorism Aggregate Limit; Cap on Losses From Certified Acts of Terrorism

No Charge

FL1044 (01/15) Exclusion of Certified Nuclear, Biological, Chemical or Radiological Acts of Terrorism; Cap on Losses from Certified Acts of Terrorism

No Charge

FL1050 (10/06) Exclusion - Silica or Silica-Related Dust – Mandatory – Amends Form FL0020 by

excluding bodily injury, property damage, personal and advertising liability arising out of silica or silica-related dust.

No Charge FL1067 (01/15) Conditional Exclusion of Terrorism (Relating to Disposition of Federal Terrorism Risk

Insurance Act) – Mandatory – Relating to Disposition of Federal Terrorism Risk Insurance Act, conditional endorsement that excludes terrorism coverage. Based on whether the federal program terminates during the policy period.

No Charge FL1068 (01/15) Conditional Exclusion of Terrorism Involving Nuclear, Biological or Chemical Terrorism

(Relating to Disposition of Federal Terrorism Risk Insurance Act)

No Charge

FL1069 (01/15) Conditional Limitation of Coverage for Terrorism on an Annual Aggregate Basis (Relating

to Disposition of Federal Terrorism Risk Insurance Act

No Charge

FL1071 (01/15) Exclusion of Other Acts of Terrorism Committed Outside the United States; Cap of Losses from Certified Acts of Terrorism

No Charge

FL1073 (01/15) Exclusion of Other Acts of Terrorism

No Charge


FL1075 (01/15) Exclusion of Other Acts of Terrorism and Exclusion of Other Acts of Terrorism Committed Outside the United States

No Charge

FL1076 (01/15) Exclusion Punitive Damages Related to a Certified Act of Terrorism

No Charge

IL0021 (09/08) Nuclear Energy Liability Exclusion Endorsement – Mandatory – Broad form exclusion

automatically added to the FL0020. No coverage with respect to hazardous material or nuclear material. Applies not only to liability but medical payments coverage as well.

No Charge IL0283 (09/07) Wisconsin Changes - Cancellation and Non-Renewal – Mandatory – Amends the

Cancellation and Non-renewal provision of the policy regarding the number of days required and the method by which the notice must be mailed.

No Charge


FARM PROPERTY ENDORSEMENTS DESCRIPTION/GUIDELINES/ RATING

FP0012 (04/16) Farm Property - Farm Dwellings, Appurtenant Structures and Household Personal

Property Coverage Form – Provides first-party property damage on dwellings and household personal property. The form includes the following coverages: Coverage A – Dwellings; Coverage B – Other private Structures Appurtenant to Dwellings; Coverage C – Household Personal Property; Coverage D – Loss of Use. Covers each residential building (including attached structures) for which a limit is shown in the Declarations. The selected value must be at least 80% of the replacement value for replacement cost valuation to apply. Under Coverage B, other private structures are automatically covered for an amount corresponding to 10% of the Coverage A Limit of Insurance.

See Appendix

FP0013 (04/16) Farm Property - Farm Personal Property Coverage Form – Provides first-party property

damage insurance on farm personal property. Includes Coverage E – Scheduled Farm Personal Property and Coverage F – Unscheduled Farm Personal Property. Only offers Basic or Broad cause of loss.

Coverage E – Scheduled Farm Personal Property

Rates per $100 of Coverage

Basic Broad Special

Farm Machinery 0.25 0.28 0.31

Farm Supplies 0.43 0.47 0.51

Grain/Farm Products 0.47 0.52 0.57

Hay in the Building 1.04 1.14 1.25

Hay in the Open 1.04 NA NA

Irrigation Equipment 0.79 0.87 0.95

Livestock 0.31 0.34 0.36

Portable Buildings 0.47 0.52 0.57

Poultry 0.51 0.57 0.62

All Other Farm Property Not Classified Above 0.43 0.47 0.51

Coverage F – Unscheduled Farm Personal Property


$15,000 - $50,000 0.340

$50,001 - $150,000 0.325

$150,001 - $250,000 0.310

Over $250,000 0.300


FP0014 (04/16) Farm Property - Barns, Outbuildings and Other Farm Structures Coverage Form – Provides first-party property damage on real property usual to a farm, other than dwellings and private structures appurtenant to dwellings. Includes Coverage G – Barns, Outbuildings and Other Farm Structures. Covers the following types of property for which a limit is shown in the Declarations: farm buildings, silos, portable buildings, fences (except field and pasture), corrals, pens, chutes, outdoor radio and TV equipment, building materials and supplies.

Farm Property

Rate per $100 of Coverage

Basic Broad Special

Type 1 0.45 0.50 0.55

Type 2 0.60 0.69 0.78

Type 3 0.80 0.89 0.98

Other Structures


Basic Broad Special

Metal Grain Bins 0.51 0.63 0.72

Masonry Silos 0.51 0.63 0.72

Wire Cribs 1.14 1.27 NA

Portable Buildings 1.14 1.27 NA

Crop Dryers 1.46 1.58 1.68

Metal Bins with Dryers 1.46 1.58 1.68

Corn Cribs 0.77 0.87 0.96

Confinement Buildings 0.86 0.94 1.01

Grain Dryers – Stationary 1.52 1.63 1.74

Permanent Fencing 0.84 0.97 1.06

Steel Grain Bins 0.57 0.68 0.74

Silo – Other 0.74 0.82 0.89

Tanks – Bulk Liquid Storage 1.46 1.52 1.61

Outdoor Radio & Television Equipment 2.46 2.58 2.71

Satellite Dishes/Antennae 1.58 1.65 1.73

Permanent Outside Electrical Apparatus 2.35 2.46 2.53

Water Pumps Electric 3.32 3.41 3.56

Antennas & Towers 3.82 3.92 4.29

Private Power Poles and Wiring 1.28 1.37 1.68

FP0030 (04/16) Mobile Agricultural Machinery and Equipment Coverage Form – Provides coverage against risks of direct physical loss, subject to certain exclusions and conditions; may be covered on a blanket or scheduled basis. Use this form when no other property coverage is needed for farm exposure.


FP0040 (04/16) Livestock Coverage Form – Provides coverage against risks of direct physical loss,

subject to certain exclusions and conditions; may be covered on a blanket or scheduled basis. Blanket basis is subject to an 80% co-insurance requirement. Not all livestock and animals are eligible; for example, horses, mules used or bred exclusively for racing, show, or delivery, livestock while being transported by common carrier; or insured’s covering livestock for auctions. Coverage for livestock in custody of common or contract carrier.



FP0090 (04/16) Farm Property - Other Farm Provisions Form - Additional Coverages Conditions, Definitions – Mandatory – If FP0012, FP0013, or FP0014 is added to the policy, attach FP0090 which provides additional coverages including Debris Removal, Fire Department Service Charge, and further defines the peril of Collapse. This endorsement outlines the Conditions for Abandonment, Appraisal, and the Duties in the event of a Loss or Damage. See the endorsement for a complete list of all coverages, definitions, and conditions.

No Charge FP0148 (04/16) Wisconsin Change – Mandatory – Modifies the farm coverage for ordinance of law

exclusion language and loss evaluation to a total loss as well as intentional loss, legal action against us, concealment and fraud, and rights of recovery.

No Charge

FP0160 (03/08) Exclusion of Loss Due to Virus or Bacteria – Mandatory – If FP0012, FP0013, FP0014, FP0030, or FP0040 is added to the policy. This form excludes coverage for property damage to buildings, structures, livestock, mobile agricultural equipment as well as income loss, extra expense, fair rental value or additional living expenses due to loss resulting from any virus or bacteria.

No Charge

FP0304 (01/98) Single Farm Property Per-Occurrence Deductible – Mandatory – When the Farm Coverage Part, includes more than one of the property coverage forms (FP0012, FP0013, FP0014) if the insured sustains losses, damages, or expenses, more than the deductibles, otherwise applicable under two or more of these coverage forms, only the highest applicable deductible amount will apply.

No Charge

FP0407 (04/16) Increased Special Limits on Specified Household Personal Property – Specific household

property may be increased over the limit(s) provided in the policy form. Items include jewelry, watches, and furs, money and securities, silverware, firearms, and electronic apparatus.

Class Description Rate Maximum Increase Policy Total

Class A Gold $1.20 per $100 $2,500 $5,000

Class B Letters of Credit $6.00 per $100 $1,500 $3,000

Class G1 Furs, Jewelry, Stones, Watches $11.25 per $1000 $2,500 $5,000

Class G2 Goldware $3.25 per $1000 $2,500 $5,000

Class G3 Firearms $2.65 per $100 $3,000 $6,000

Class H Electronic Apparatus and accessories while in or upon a motor vehicle or other motorized land conveyance

$1.75 per $100 $1,500 $3,000

Class I Electronic Apparatus and accessories used primarily in connection with the operation of the farm or a business while off the insured location

$2.00 per $100 $1,500 $3,000


FP0409 (04/16) Increased Special Limits on Business Property – The policy automatically includes $2,500 for business property on the insured location. This may be increased to a maximum amount of $10,000. The policy also includes automatically $500 for business property off the insured location. If the policy is increased for business property on the premises, then the off premises amount is increased to an amount equal to 20% of the total on-premises amount. There is no additional premium charge for this 20% increase.

Special Limit of Insurance

Premium

$2,500 Included

$5,000 $44.00

$10,000 $88.00

FP0420 (04/16) Foreign Objects in Machinery – Coverage may be provided on items of farm machinery,

vehicles and equipment specifically described in the Coverage E declaration. The property must be insured against the Special Covered Causes of Loss, must indicate whether it applies to an item, and must reflect the full value of the item.

$.10 per $100 of Coverage E Limit

FP0421 (01/98) Debris Removal Increased Limit of Insurance – Under the FP0090, an additional amount

of insurance is included that provides for the removal of the debris of covered property for an amount that equals to 25% of the loss. This amount may be increased under this endorsement for an additional specified dollar amount.


FP0422 (01/98) Pollutant Clean Up and Removal Additional Aggregate Limit of Insurance – Form FP0090

provides a $10,000 annual aggregate Limit of Insurance for the cost to remove pollutants from land or water at an insured location. This amount may be increased. Indicate on the Schedule, the location the increased amount applies.

Limit Deductible

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

$25,000 $40.00 $37.00 $33.00

$50,000 $60.00 $54.00 $50.00

$75,000 $85.00 $78.00 $71.00

FP0424 (04/16) Spoilage Coverage - Perishable Farm Personal Property – Coverage E Scheduled Farm

Personal Property may be extended for spoilage of perishable farm personal property caused by breakdown or contamination from mechanical breakdown of equipment or public power outage. Maximum amount of insurance available is $50,000.

Deductible

Rate Per $1000

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

3.00 2.70 2.55 2.40


FP0428 (04/16) Coverage G - Barns, Outbuildings, and Other Farm Structures – Blanket Coverage – Form for coverages of farm buildings and structures. In the schedule need to indicate the insured locations, property not to be covered, if any, the applicable cause of loss – Basic, Broad, or Special, a single limit of insurance, and the loss valuation, actual cash value or replacement cost.

Coverage G Blanket Coverage = 10% of the Property’s Premium

Farm Property


Basic Broad Special

Type 1 0.45 0.50 0.55

Type 2 0.60 0.69 0.78

Type 3 0.80 0.89 0.98

Other Structures


Basic Broad Special

Metal Grain Bins 0.51 0.63 0.72

Masonry Silos 0.51 0.63 0.72

Wire Cribs 1.14 1.27 NA

Portable Buildings 1.14 1.27 NA

Crop Dryers 1.46 1.58 1.68

Metal Bins with Dryers 1.46 1.58 1.68

Corn Cribs 0.77 0.87 0.96

Confinement Buildings 0.86 0.94 1.01

Grain Dryers – Stationary 1.52 1.63 1.74

Permanent Fencing 0.84 0.97 1.06

Steel Grain Bins 0.57 0.68 0.74

Silo – Other 0.74 0.82 0.89

Tanks – Bulk Liquid Storage 1.46 1.52 1.61

Outdoor Radio & Television Equipment 2.46 2.58 2.71

Satellite Dishes/Antennae 1.58 1.65 1.73

Permanent Outside Electrical Apparatus 2.35 2.46 2.53

Water Pumps Electric 3.32 3.41 3.56

Antennas & Towers 3.82 3.92 4.29

Private Power Poles and Wiring 1.28 1.37 1.68

FP0431 (01/98) Inflation Guard – Provides automatic annual increase on the property limits.

3% inflation guard automatically included.

No Charge FP0436 (04/16) Replacement Cost - Household Personal Property – Provides replacement cost

coverage for an additional premium for contents of the insured dwelling.

Dwelling Type Coverage Premium Premium Charge

Owner Occupied Coverage A 7%

Tenant Occupied Coverage C 10%


FP0450 (01/98) Additional Insured - Farm Property – Persons or organizations may be designated as additional insureds to protect their interest in an insured location.

No Charge FP0456 (01/98) Collision Resulting in Death of Livestock – Used with FP0013 and revises coverage on

livestock under Coverage E and restricts collision resulting in death of livestock. The sub-limits are based on a selected per animal basis. Enter the applicable limit for livestock and enter Collision instead of Basic or Broad in the covered causes of loss column.

Amount of Coverage

Premium

$500 per head $15.00

$1000 per head $22.00

$2000 per head $29.00

FP0461 (04/16) Scheduled Personal Property – Coverage for certain scheduled property may be

provided against risks of direct physical loss with certain exceptions. Each item needs a completed description and amount of insurance.

Rate per $100 value Class Property Rate

1 Jewelry (Current Appraisal for Values Over $5,000) ........ 1.25 2 Furs ................................................................................... 0.30 3 Cameras/ Personal ........................................................... 1.30 4 Musical Instruments/Personal ........................................... 0.60 5 Silverware ......................................................................... 0.20 6 Golfer’s Equipment/ Personal ........................................... 1.10 7 Fine Arts, China, Antiques ................................................ 0.50 8 Postage Stamps, Books .................................................... 0.60

9 Coins ................................................................................. 1.50 10 Bicycles ...........................................................................10.00 11 CB Radio, Car Phones, Mobile Phones ............................ 5.00 12 Guns .................................................................................. 3.00 13 Satellite Receiving Equipment .......................................... 3.00 14 Tools/ Personal ................................................................. 1.75 15 Hearing Aids...................................................................... 2.00 16 Computers/ Personal ........................................................ 1.00 17 Cameras/ Business ........................................................... 2.00 18 Musical Instruments/ Business ......................................... 0.90 19 Golfer’s Equipment/ Business ........................................... 1.65 20 Tools/ Business ................................................................. 2.65 21 Computers/ Business ........................................................ 1.50 22 Stereo and Equipment ...................................................... 1.10 23 Jewelry (Appraisal over 3 years)....................................... 1.85 24 Lawn and Garden Machinery ............................................ 1.75


FP0478 (09/03) Functional Building Valuation – Amends Farm Property Coverage. Loss settlement is based on “functional building valuation” which uses materials which may be less costly but functionally equivalent to the damaged building or structure.

Replacement Cost %

Factor

100-90% .105

89-80% .110

79-70% .115

69-60% .130

59-50% .140

FP0479 (01/98) Functional Farm Personal Property, Machinery and Equipment Valuation – Amends Farm

Property Coverage. Loss settlement is based on “functional valuation” which will pay for closely equivalent property available to the property, machinery or equipment damaged.

Replacement Cost %

Factor

100-90% .105

89-80% .110

79-70% .115

69-60% .130

59-50% .140

FP0480 (04/16) Rental to Others - Theft Coverage – Policy may be extended to cover loss by theft while

the portion of the residence premises usually occupied by the insured is occasionally rented in whole or in part to a roomer or boarder.

$15.00 per Location

FP0503 (04/16) Debris Removal Expense – Amends Inland Marine forms, Livestock Coverage Form and

Mobile Agricultural Machinery and Equipment Coverage Form to include coverage for your expense to remove debris of covered property resulting from a covered cause of loss.


FP0520 (09/03) Scheduled Farm Personal Property Away from the Insured Location – Subject to Declarations entry, specific items of Coverage E property, such as grain and hay, farm products, poultry and portable buildings, may be separately covered by endorsement when such items are located away from the insured location. The same Covered Causes of Loss that apply to these items when they are located on the insured location apply away from the insured location.



FP0522 (09/03) Cab Glass Breakage – Form FP0013 may be endorsed to cover breakage of glass in the cab or scheduled mobile agricultural machinery or farm vehicles. Provides for replacement of broken cab glass on either an actual cash value or on the basis to repair or replace with the most closely equivalent cab glass obtainable. In the schedule, identify the machinery or vehicle for which coverage is desired.

$8.00 per Cab FP0525 (04/16) Increased Limits for Structures Appurtenant to Dwellings – Provides additional amount

of insurance over the automatic 10% for Coverage B appurtenant structures. Indicate the additional amount of insurance plus a description of the building.

$3.35 per $1000 of Coverage FP0527 (04/16) Motorized Golf Carts – Provides a specified limit of insurance representative of the

actual cash value of the vehicle. Coverage can be afforded for both permanently and not permanently attached equipment. See the endorsement for stipulations. Collision coverage may be added and must be indicated on the Schedule of the endorsement. $500 Deductible Applies.

Physical Damage Coverage Only: $7.00 per $500 of Coverage Physical Damage & Collision Coverage: $9.00 per $500 of Coverage

FP0528 (04/16) Wisconsin Changes – Unit Owners Coverage – Endorsement modifies insurance

provided under the farm coverage part for unit owners.

No Charge FP0530 (03/08) Exclusion of Loss Due to Virus or Bacteria; Limited Coverage for Fungi, Wet Rot and Dry

Rot – Property – Mandatory with FP0013, FP0014 and/or FP0030. Provides limited coverage for loss or damage resulting from fungi, wet rot or dry rot. Contains an exclusion due to virus or bacteria which applies to all farm property coverages made a part of the policy including property damage, income loss, extra expense, fair rental value, additional living expenses and actions of civil authority. Automatic annual aggregate limit of $15,000 included which may be increased. $500 Deductible Applies.

Increased Limit Premium

$15,000 Included

$25,000 $48.00

FP0531 (04/16) Exclusion of Loss Due to Virus or Bacteria; Limited Coverage for Fungi, Wet Rot and Dry

Rot - Farm Dwellings, Appurtenant Structures and Household Personal Property – Mandatory with FP0012. Provides limited coverage for loss or damage resulting from fungi, wet rot or dry rot. Contains an exclusion due to virus or bacteria which applies to all farm property coverages made a part of the policy including property damage, income loss, extra expense, fair rental value, additional living expenses and actions of civil authority. $10,000 annual aggregate limit automatically included which may be increased.

Increased Limit Premium

$10,000 Included

$25,000 $35.00


FP1004 (04/16) Livestock - Additional Causes of Loss – Extends coverage for livestock to include the perils of death by accidental shooting, drowning, electrocution, attack by dogs or wild animals, and collapse of buildings.


FP1015 (04/16) Windstorm or Hail Exclusion – Amends Cause of Loss Form to exclude loss caused by windstorm or hail.

-4% Discount off any Farm Risk Premium

FP1021 (04/98) Exclusion of Certain Computer-Related Losses – Excludes coverage for computer hardware, software, networks, etc. whether belonging to the insured or others regardless of cause of loss.

No Charge

FP1040 (04/16) Cause of Loss - Earthquake Form – Provides protection for applicable coverages, for direct physical loss to covered property caused by earthquake, land shock waves or tremors before, during or after a volcanic eruption subject to endorsement exclusions. We pay your share of any loss assessment charged against you by a corporation or association of property owners.

• A separate deductible is applied to each coverage limit which sustains a loss.




Zone 1- Counties of: Remainder of State

Rate Per $1,000 of Insurance

FRAME OTHER*

Deductible 5% 10% 15% 20% 25% 5% 10% 15% 20% 25%

Coverage A .36 .30 .25 .21 .18 .64 .50 .43 .37 .32

Coverage B .36 .30 .25 .21 .18 .64 .50 .43 .37 .32

Coverage C Owner Occupied .26 .21 .18 .15 .13 .48 .36 .31 .29 .26

Coverage C Tenant Occupied .26 .21 .18 .15 .13 .48 .36 .31 .29 .26

Coverage D .36 .30 .25 .21 .18 .64 .50 .43 .37 .32

Coverage E .26 .21 .18 .15 .13 .48 .36 .31 .29 .26

Coverage F .26 .21 .18 .15 .13 .48 .36 .31 .29 .26

Coverage G .36 .30 .25 .21 .18 .64 .50 .43 .37 .32

Inland Marine .26 .21 .18 .15 .13 .48 .36 .31 .29 .26

*Other-These are structures other than Frame. This includes brick, brick veneer, steel frame, fire resistive, etc. FP1057 (04/16) Coverage for Damage Sustained Only by Tires in Collisions, Upsets or Overturns of

Mobile Agricultural Machinery and Equipment – Tires mounted on mobile agricultural machinery and equipment may be covered at actual cash value only against loss or damage sustained in occurrences involving collision, upset or overturn that does not cause covered damage to the rest of the machinery or equipment.

$7.08 per $100 of Insurance


FP1060 (04/16) Causes of Loss Form - Farm Property – Mandatory – The Declarations for the various coverages and property require entry of Basic, Broad, or Special. The Basic causes of loss provide coverage for fourteen different perils. The Broad causes of loss add an additional coverage for twelve additional perils. The Special causes of loss provide coverage against risks of direct physical loss to eligible property, subject to certain exclusions and conditions.

No Charge

FP1209 (04/16) Limitation on Windstorm or Hail Coverage for Roof Surfacing – Amends Farm Property Coverage form to either exclude damage to roofing surface caused by windstorm or hail or limiting loss settlement to Actual Cash Value of the roof surfacing.

ACTUAL CASH VALUE LIMITATION

Age of Roof Coverage A Discount

Coverage G Discount

Current Year 4% 4%

1 Year Old 4% 4%

2 Years Old 4% 4%

3 Years Old 5% 4%

4 Years Old 5% 4%

5 Years Old 5% 4%

6 Years Old 6% 4%

7 Years Old 6% 4%

8 Years Old 6% 4%

9 Years Old 7% 4%

10 Years Old 7% 4%

11 Years Old 7% 4%

12 Years Old 7% 4%

13 Years Old 7% 4%

14 Years Old 7% 4%

15 Years Old 7% 4%

16 Years Old or Older 7% 4%

COSMETIC DAMAGE LIMITATION

Building Type Discount

Dwellings – Coverage A 2.2%

Other Structures – Coverage G 1.1%

FP1210 (04/16) Actual Cash Value - Dwellings and Appurtenant Private Structures – Available for

specified tenant or owner-occupied dwellings. The endorsement provides for actual cash value loss valuation instead of replacement cost. In the Schedule indicate which dwelling (s) the endorsement applies.

No Charge FP1211 (09/03) Loss Payable Provisions – For each loss payee, indicate the appropriate provision in the

schedule. Loss payable when it is intended to make the payment jointly to the insured and a named loss payee as their interests may appear; also to protect the interest of a lender; or to be used when duplicate interests exist in property undergoing transfer by sale.

No Charge


FP1212 (09/03) Burglary and Robbery Protective Safeguards – Contains descriptions of categories of protective safeguards that may be on the insured’s’ premises, such as burglar alarms and other security systems. For other systems, indicate the type of alarm located on the premises.

No Charge FP1229 (09/03) Peak Season – Limits of Insurance under Coverage E and Coverage F may be increased

for a selected specified period. Calculate the additional period during which the increased Limit of Insurance applies.

Calculate 1/12 of the applicable Scheduled (Cov E) or Unscheduled (Cov F)

Farm Personal Property times the number of months

Coverage E – Scheduled Farm Personal Property


Irrigation Equipment 0.633

Misc. Tools and Equipment 0.556

Hay in the Open 0.667

Hay in the Building 0.891

Livestock 0.574

Machinery 0.626

Grain/Farm Products 0.649

Farm Supplies 0.549

Portable Buildings 0.649

Poultry 0.574

All Other Farm Property Not Classified Above 0.549

Coverage F – Unscheduled Farm Personal Property


$15,000 - $50,000 0.400

$50,001 - $150,000 0.375

$150,001 - $250,000 0.360

Over $250,000 0.310

FP1301 (09/03) Value Reporting Endorsement – This endorsement provides a means for rating property

on a value basis. It is appropriate for farm property inventories that characteristically undergo seasonal fluctuations.

No Charge

FP1302 (10/06) Report of Values – Provides a format for reporting property values and includes a

summary of reporting dates. If additional space is needed to report property values, attach Supplemental Report of Values form

No Charge

FP1303 (10/06) Supplemental Report of Values – Provides additional space for when reporting property

values and using form FP1302.

No Charge


FP1401 (09/03) Coverage G Damage to Below Ground Foundation of Buildings or Structure and Related Consequential Expense – Amends Coverage G to include coverage for below the ground foundations and consequential expenses. All losses are settled using Actual Cash Value settlement. Please see form for further details.

No Charge


MADISON MUTUAL FARM SPECIFIC LIABILITY AND PROPERTY ENDORSEMENTS DESCRIPTION/GUIDELINES/ RATING

MM101 (01/17) Amendatory Endorsement – Inspection – Mandatory – The Company may audit and inspect the records and property of the insured and insured location(s); however, this does not warrant that the property or operations are safe, meets local standards and codes, nor, are in compliance with any state, federal rule or regulation.

No Charge

MM299 (11/17) Actual Cash Value – Barns, Outbuildings and Other Farm Structures – Available for

specified barns, outbuildings, or other farm structures. The endorsement provides for actual cash value loss valuation instead of replacement cost. In the Schedule indicate which structure(s) the endorsement applies.

No Charge

MM300 (09/13) Farm Property – Equipment Breakdown Coverage – Provides coverage for physical

damage sustained by covered equipment, business interruption, lost value of spoilage due to breakdown, mechanical breakdown, shorted electrical circuits, overheating, cracking or bulging of a boiler or other pressure vessel, centrifugal force, and ammonia contamination due to equipment breakdown.

Coverage A – G Limits Deductible Amount

$250 $500 $1,000 $2,500 $5,000

Less than $500,000 $45.00 $44.00 $43.00 $39.00 $34.00

$500,000 - $999,999 $65.00 $64.00 $62.00 $57.00 $50.00

$1,000,000 - $1,999,999 $105.00 $103.00 $100.00 $100.00 $80.00

$2,000,000 and Greater $137.00 $137.00 $130.00 $119.00 $105.00

MM380 (11/13) Snowmobile – Physical Damage Protection – Provides all risk physical damage year- round on owned snowmobiles subject to policy conditions and exclusions. Accessories also included. A $250 deductible applies.


MM385 (11/13) Off-road Recreational Vehicles – Physical Damage Coverage – Provides all risk physical damage coverage year-round on owned land vehicles and accessories subject to policy conditions and exclusions. Coverage is on an actual cash basis.

Deductible Rate per $100

$500 $3.50

$1000 $3.00

$1500 $2.50


MM395 (11/13) Watercraft – Special Excess Limit of Liability – Provides all risk of physical damage year- round for boats, motors, boat trailers, and accessories subject to exclusions. Information required include the serial number, year, make, model and value of each item. Also, the horsepower for each motor, the length of the boat, and the driver’s license of each operator. Driving record of each operator would need to qualify based on our automobile guidelines.

• $250 deductible applies The following is required when requesting this endorsement:

• Photographs of items to be covered under this endorsement such as boat, motors, trailers, etc. Cover must be removed from the boat when photographing.

• Year, make, model, serial number and value of each item.

• Horsepower of each motor.

• Length of boat.

• Driver’s License number and details regarding driving record of each driver. The following should be submitted for underwriting approval:

• Outboard motors with a horsepower of more than 200.

• Inboard motors and inboard/outboard motors with a horse-power rating of more than 260.

• Watercraft over 20 years old.

• Inboard or inboard/outboard with a value of over $50,000.

• Personal Watercraft such as wave runners and jet skis.

Do not Submit the following:

• Sailboats of more than 40 feet in length.

• Automobile motor conversions.

Rate per $100.00 value

Class 1 Outboard Motor ............................................... 1.60 Class 2 Outboard Boat ................................................. 1.50 Class 3 Inboard/Outboard Boat .................................... see following chart:

Code Value Factor Code Value Factor A ............. 0-7000…………. 2.00.................... G……….... 22,001-25,000....................... 1.40 B ............. 7001-10,000………...1.90 ....... ….........H .......... ….25,001-30,000 ....................... 1.30 C ............. 10,001-13,000………...1.80……………....I .......... ….30,001-35,000 ....................... 1.20 D ............. 13,001-16,000………...1.70 .................... J………….35,001-45,000 ....................... 1.10 E ............. 16,001-19,000…………1.60 K………….45,001-50,000 ....................... 1.00 F ............. 19,001-22,000…………1.50……………………$50,001 and above, contact underwriting

Class 4 Boat Trailer ...................................................... 1.40 Class 5 Miscellaneous Accessories ............................. 1.50 Class 6 Personal Watercraft ......................................... 3.00


MM433 (01/17) Sound Receiving and Transmitting Equipment – Broadens Coverage under the FP0013 for Scheduled Farm Personal Property and Unscheduled Farm Personal Property for sound receiving and transmitting devices, including their accessories and antennas to include coverage for vandalism and theft if equipment is permanently installed in a motor vehicle.

Scheduled Rate: 1.000 per $100 of Coverage Unscheduled Rate: 0.633 per $100 of Coverage

MM434 (11/13) Coverage for Weight of Ice, Sleet, or Snow – This coverage can apply to Coverage E,

Coverage F, or Coverage G. This coverage should not be placed on structures with flat roofs and caution should be taken on structures with low pitched roofs.


MM440 (01/17) Roof Exclusion Endorsement – Excludes coverage due to loss or damage or ensuing loss or damage to the listed building or structure arising out of damage to or deterioration of the roof or roof surfacing.

Building/Structure Discount

Main Dwelling 7%

Other Structure 5%

Both Main Dwelling & Other Structure 7%

MM450 (11/13) Additional Insured – Designated Premises Only (Section I & Section II) – Provides

additional insured coverage for Section I and Section II coverages for individuals,

corporations, corporation officers, trustees, and joint ventures.

No Charge

MM451 (11/13) Additional Insured – Designated Premises Only (Section II) – Provides additional insured

coverage for Section II coverage for individuals, corporations, corporation officers,

trustees, and joint ventures.

No Charge

MM452 (11/13) Additional Insured – Designated Premises Only (Section I) – Provides additional insured

coverage for Section I coverage for individuals, corporations, corporation officers,

trustees, and joint ventures.

No Charge

MM453 (11/13) Additional Insured – Partnership – Provides additional insured coverage for Section I and

Section II coverages for partnerships.

No Charge


MM576 (11/13) Livestock Suffocation Endorsement – Adds the peril of suffocation to livestock caused by electrical interruption or mechanical breakdown, subject to the conditions, provisions, and exclusions of the policy. Special 10% loss deductible applies.


MM579 (11/13) Livestock Strangulation Endorsement – Broadens the livestock perils to include death of

an insured animal as a direct result of the constriction of air flow into an animal’s respiratory tract.


MM825 (11/13) Liability Coverages for Home Day Care Business – Mandatory – Excludes liability for

Home Day Care Business conducted on the insured location.

No Charge

MM830 (09/13) Identity Management Coverage Endorsement – Mandatory – Provides assistance to

policyholders in the event of identity theft. Gives the insured access to a fraud specialist who will aid them in the process of resolving issues by communication with creditors, government agencies, and law enforcement; helps consumers avoid recurrence of identity theft. Coverage is automatically included with the policy at no premium charge.

No Charge

MM883 (11/13) Sump Overflow and Water Backup from Sewers or Drains (Coverage A, B, C and D Only)

– Provides for direct physical loss, not caused by the negligence of any insured, to property caused by water which backs up through sewers or drains; or water which overflows from a sump pump or other similar system which is drained from the foundation area. No coverage is provided for flood losses. Do not submit risks in flood hazard areas or areas where there is periodic flooding. This endorsement cannot be added during a flood watch or warning.

Amount of Coverage

Premium

$5,000 $54

$10,000 $96

$15,000 $132

$20,000 $175

$25,000 $202

MM970 (11/13) Loss Rents Coverage – Offers coverage for loss of rents from a covered peril. The

amount paid will be less any expenses and charges which do not continue while the dwelling is under repair, renovation, and uninhabitable. This amount will be the minimum time required until the dwelling can be occupied again. The maximum per month to be paid will not be more than 25% of the total limit.

.454 per $100 for Masonry .510 per $100 for Frame


MM980 (11/13) Other Structure Exclusion Endorsement – Does not provide coverage for any loss or claim in respect to the structure and contents of the listed structure(s) on the endorsement.

No Charge


BILLING PAYMENT OPTIONS Our farmowner program offers four payment options to policyholders. These options are the following:



• Direct Bill – 2 Pay requires 50% down – 1 installment after 150 days

• Automated Debit 12 Pay - A monthly (ACH) requires 2 months down

Down payments on any bill plan option can be made by the following payment types:



• Credit Card

Automated Debit 12 Pay requires an authorization form to be completed and attached to the policy or

kept in the agency office. There is a $1 service charge per installment when selecting this method of

payment. This type of payment does require an immediate down-payment. If no money is collected, an

immediate transaction will pull from the customer’s account.

There is a $20 Insufficient Fund charge when a payment is not honored by the financial institution

Credit cards can be used with our Direct Bill payment options. A current email address is required with

this form of payment. There is a $5 service charge per installment.

In order to finalize any outstanding balances, there is a minimum seven day delay until any refunds are

processed.

In the event we receive an overpayment on a policy, the entire amount will be applied to the following

installment and will not be divided among the remaining installments.

If a policy is cancelled for non-payment and a payment is later received there are two options:

• Reinstate with a lapse in coverage. This is allowed only within 14 days after cancellation and

there is no coverage during this time. Payments received after the 14 days will be returned

• If 30 days past the due date, a new application must be submitted as new business and all

previous discounts will not apply

11/01/2017 Madison Mutual Insurance Company (WI) V A-1

CLAIM PROCESSING If an insured or third-party claimant comes to your office to report a claim, please phone the Home Office at (800)766-6642 and let the person speak directly with a Claim Customer Service Representative. If an insured or third-party claimant telephones your office to report a claim, please give them the Home Office toll-free phone number, (800)766-6642, and ask that they call and speak directly with a Claim Customer Service Representative. You may also give the customer our website, www.madisonmutual.com to report the loss. Please refer all insureds or claimants to the carrier to disclose coverage and address the claim process.


ZIP Code Factor ZIP Code Factor ZIP Code Factor ZIP Code Factor

53001 1.145 53061 1.049 53129 0.740 53204 1.039

53002 0.885 53062 1.049 53130 0.748 53205 1.050

53003 1.182 53063 1.039 53132 0.754 53206 0.970

53004 0.815 53064 0.833 53137 1.278 53207 0.951

53005 0.730 53065 1.131 53138 1.358 53208 0.935

53006 1.107 53066 0.908 53139 1.346 53209 0.910

53007 0.746 53069 0.870 53140 0.994 53210 0.800

53008 0.758 53070 1.002 53141 0.994 53211 0.797

53010 1.091 53072 0.801 53142 1.095 53212 0.911

53011 1.145 53073 1.024 53143 1.004 53213 0.787

53012 0.734 53074 0.715 53144 1.097 53214 0.954

53013 0.957 53075 0.928 53146 0.784 53215 1.000

53014 1.033 53076 0.806 53147 1.247 53216 0.740

53015 1.012 53078 1.196 53148 1.358 53217 0.950

53016 1.120 53079 1.132 53149 0.935 53218 0.920

53017 0.820 53080 0.754 53150 0.839 53219 0.876

53018 0.866 53081 0.774 53151 0.744 53220 0.871

53019 1.078 53082 0.791 53152 1.358 53221 0.894

53020 1.037 53083 0.819 53153 0.919 53222 0.918

53021 0.815 53085 0.928 53154 0.763 53223 0.944

53022 0.748 53086 0.793 53156 1.259 53224 0.960

53023 1.105 53088 1.033 53157 1.395 53225 0.800

53024 0.711 53089 0.789 53158 1.162 53226 0.785

53026 1.105 53090 0.715 53159 1.395 53227 0.811

53027 0.828 53091 1.004 53167 1.351 53228 0.938

53029 0.833 53092 0.735 53168 1.350 53233 1.026

53031 0.928 53093 1.130 53170 1.384 53234 0.876

53032 1.093 53094 1.115 53171 1.097 53235 0.758

53033 0.785 53095 0.735 53172 0.645 53237 0.951

53034 1.145 53097 0.748 53176 1.247 53244 0.968

53035 1.137 53098 1.115 53177 1.157 53259 0.968

53036 1.182 53099 1.137 53178 1.303 53263 0.918

53037 0.791 53101 1.395 53179 1.365 53267 0.933

53038 1.172 53102 1.321 53181 1.436 53268 0.968

53039 1.120 53103 0.852 53182 1.302 53274 0.968

53040 0.835 53104 1.321 53183 0.874 53278 0.933

53042 1.027 53105 1.358 53184 1.211 53288 0.933

53044 0.876 53108 1.013 53185 1.110 53290 0.968

53045 0.758 53109 1.350 53186 0.751 53293 0.968

53046 0.768 53110 0.671 53187 0.751 53295 0.783

53047 1.115 53114 1.181 53188 0.784 53401 0.909

53048 1.097 53115 1.163 53189 0.824 53402 0.740

53049 1.071 53118 0.968 53190 1.189 53403 0.690

53050 1.103 53119 1.002 53191 1.216 53404 0.930

53051 0.737 53120 1.172 53192 1.358 53405 0.873

53052 0.754 53121 1.175 53194 1.321 53406 0.968

53056 0.833 53122 0.727 53195 1.247 53407 0.909

53057 1.072 53125 1.222 53199 0.968 53408 1.000

53058 0.873 53126 1.202 53201 0.968 53501 1.087

53059 1.185 53127 0.824 53202 0.933 53502 1.231

53060 0.746 53128 1.395 53203 0.968 53503 1.160

Territory Rating Factors

11/01/2017 Appendix A-1 Madison Mutual Insurance Company (WI)


53504 1.229 53563 1.177 53777 1.232 53930 1.180

53505 1.234 53565 1.147 53778 1.258 53931 1.121

53506 1.143 53566 1.069 53779 1.258 53932 1.187

53507 1.207 53569 1.132 53782 1.208 53933 1.118

53508 1.215 53570 1.225 53783 1.236 53934 1.094

53510 1.156 53571 1.124 53784 1.191 53935 1.189

53511 1.055 53572 1.175 53785 1.208 53936 1.155

53512 1.055 53573 1.118 53786 1.208 53937 1.124

53515 1.131 53574 1.212 53788 1.208 53939 1.166

53516 1.245 53575 1.148 53789 1.208 53940 1.130

53517 1.195 53576 1.246 53790 1.208 53941 1.126

53518 1.134 53577 1.137 53791 1.258 53942 1.126

53520 1.234 53578 1.086 53792 1.140 53943 1.134

53521 1.192 53579 1.217 53793 1.258 53944 1.124

53522 1.203 53580 1.134 53794 1.258 53946 1.114

53523 1.202 53581 1.061 53801 1.083 53947 1.233

53525 1.169 53582 1.191 53802 1.133 53948 1.066

53526 1.145 53583 1.118 53803 1.212 53949 1.160

53527 1.150 53584 1.145 53804 1.139 53950 1.139

53528 1.121 53585 1.210 53805 1.124 53951 1.072

53529 1.136 53586 1.214 53806 1.133 53952 1.175

53530 1.074 53587 1.212 53807 1.168 53953 1.160

53531 1.206 53588 1.137 53808 1.152 53954 1.202

53532 1.124 53589 1.138 53809 1.101 53955 1.207

53533 1.073 53590 1.117 53810 1.168 53956 1.156

53534 1.188 53593 1.194 53811 1.186 53957 1.156

53535 1.116 53594 1.230 53812 1.168 53958 1.149

53536 1.200 53595 1.116 53813 1.094 53959 1.077

53537 1.017 53596 1.117 53816 1.135 53960 1.240

53538 1.151 53597 1.122 53817 1.139 53961 1.120

53540 1.145 53598 1.116 53818 1.058 53962 1.161

53541 1.246 53599 1.229 53820 1.134 53963 1.085

53542 1.246 53701 1.208 53821 1.012 53964 1.125

53543 1.142 53702 1.208 53824 1.186 53965 1.130

53544 1.228 53703 1.208 53825 1.103 53968 1.068

53545 1.017 53704 1.232 53826 1.089 53969 1.202

53546 1.064 53705 1.275 53827 1.139 54001 1.148

53547 1.017 53706 1.152 53901 1.100 54002 1.072

53548 1.087 53707 1.258 53910 1.089 54003 1.107

53549 1.187 53708 1.258 53911 1.198 54004 1.145

53550 1.170 53711 1.182 53913 1.070 54005 1.129

53551 1.160 53713 1.191 53916 1.034 54006 1.222

53553 1.145 53714 1.258 53919 1.121 54007 1.195

53554 1.133 53715 1.233 53920 1.195 54009 1.044

53555 1.133 53716 1.224 53922 1.111 54010 1.117

53556 1.145 53717 1.254 53923 1.189 54011 1.054

53557 1.213 53718 1.236 53924 1.144 54013 1.144

53558 1.175 53719 1.221 53925 1.183 54014 0.999

53559 1.237 53725 1.233 53926 1.210 54015 1.157

53560 1.155 53726 1.140 53927 1.125 54016 1.063

53561 1.084 53744 1.182 53928 1.240 54017 1.048

53562 1.094 53774 1.191 53929 1.133 54020 1.165



54021 1.066 54161 1.110 54311 0.971 54455 1.010

54022 1.072 54162 1.060 54313 0.887 54456 1.080

54023 1.140 54165 1.155 54324 0.926 54457 1.058

54024 1.149 54166 1.059 54344 1.016 54458 1.052

54025 1.040 54169 1.088 54401 0.925 54459 1.119

54026 1.197 54170 1.160 54402 0.961 54460 1.039

54027 1.106 54171 1.160 54403 0.961 54462 1.095

54028 1.088 54173 1.112 54404 0.879 54463 1.133

54082 1.181 54174 1.104 54405 1.013 54464 1.053

54101 1.171 54175 1.041 54406 1.057 54465 1.076

54102 1.096 54177 1.096 54407 1.052 54466 1.070

54103 1.059 54180 1.099 54408 1.128 54467 0.973

54104 1.062 54182 1.102 54409 1.053 54469 0.981

54106 1.152 54201 0.954 54410 1.003 54470 1.105

54107 1.102 54202 0.908 54411 1.067 54471 1.063

54110 1.055 54203 1.060 54412 0.999 54472 0.879

54111 0.960 54204 1.060 54413 1.152 54473 1.105

54112 1.075 54205 0.930 54414 1.129 54474 0.955

54113 0.944 54207 1.033 54415 1.081 54475 1.016

54114 1.072 54208 1.058 54416 1.153 54476 0.834

54115 1.016 54209 0.945 54417 0.961 54479 1.018

54119 1.081 54210 0.943 54418 1.091 54480 1.020

54120 1.067 54211 0.890 54420 0.988 54481 1.040

54121 1.039 54212 0.934 54421 1.027 54482 0.997

54123 1.055 54213 0.994 54422 1.031 54484 1.016

54124 1.080 54214 0.833 54423 1.042 54485 1.133

54125 1.047 54215 1.073 54424 1.105 54486 1.107

54126 1.106 54216 0.803 54425 1.026 54487 1.120

54127 1.104 54217 0.856 54426 1.052 54488 1.024

54128 1.143 54220 0.971 54427 1.113 54489 1.062

54129 1.069 54221 0.833 54428 1.131 54490 1.084

54130 1.034 54226 0.901 54429 1.113 54491 1.052

54131 1.034 54227 1.116 54430 1.078 54492 0.973

54135 1.121 54228 1.052 54432 1.125 54493 0.974

54136 0.938 54229 0.870 54433 1.098 54494 0.961

54137 1.154 54230 1.081 54434 1.098 54495 0.961

54138 1.053 54232 1.027 54435 1.153 54498 1.047

54139 1.075 54234 0.890 54436 1.107 54499 1.125

54140 0.953 54235 0.901 54437 1.026 54501 1.062

54141 1.157 54240 1.058 54439 1.098 54511 1.064

54143 0.862 54241 0.914 54440 1.102 54512 1.087

54149 1.066 54245 1.055 54441 0.911 54513 1.135

54150 1.174 54246 0.820 54442 1.119 54514 1.122

54151 1.055 54247 1.073 54443 0.972 54515 1.121

54152 1.155 54301 0.887 54446 1.030 54517 1.133

54153 1.073 54302 0.879 54447 1.048 54519 1.084

54154 1.104 54303 0.879 54448 1.016 54520 1.040

54155 1.114 54304 0.879 54449 0.944 54521 1.077

54156 1.097 54305 0.919 54450 1.053 54524 1.118

54157 0.979 54306 0.919 54451 0.956 54525 0.951

54159 1.067 54307 0.919 54452 1.092 54526 1.090

54160 1.069 54308 0.913 54454 1.081 54527 1.105



54529 1.135 54627 1.162 54729 1.004 54818 1.091

54530 1.152 54628 1.156 54730 1.049 54819 1.145

54531 1.111 54629 1.164 54731 1.113 54820 1.121

54532 1.120 54630 1.158 54732 0.965 54821 1.096

54534 1.038 54631 1.149 54733 1.121 54822 1.071

54536 1.070 54632 1.164 54734 1.142 54824 1.153

54537 1.150 54634 1.038 54735 1.037 54826 1.179

54538 1.124 54635 1.125 54736 1.089 54827 1.142

54539 1.080 54636 1.069 54737 1.045 54828 1.251

54540 1.104 54637 1.132 54738 1.021 54829 1.143

54541 1.047 54638 1.146 54739 0.982 54830 1.180

54542 1.064 54639 1.153 54740 1.019 54832 1.127

54543 1.062 54640 1.149 54741 1.100 54834 1.190

54545 1.103 54641 1.191 54742 1.061 54835 1.210

54546 1.127 54642 1.090 54743 1.102 54836 1.107

54547 1.092 54643 1.118 54745 1.005 54837 1.224

54548 1.075 54644 1.162 54746 1.141 54838 1.126

54550 0.996 54645 1.149 54747 1.123 54839 1.149

54552 1.113 54646 1.128 54748 1.083 54840 1.112

54554 1.091 54648 1.161 54749 1.059 54841 1.091

54555 1.113 54649 1.065 54750 1.138 54842 1.103

54556 1.078 54650 1.027 54751 1.037 54843 1.173

54557 1.097 54651 1.181 54754 1.139 54844 1.160

54558 1.067 54652 1.128 54755 1.030 54845 1.250

54559 1.098 54653 1.040 54756 1.138 54846 1.121

54560 1.093 54654 1.149 54757 1.010 54847 1.124

54561 1.101 54655 1.143 54758 1.093 54848 1.070

54562 1.095 54656 1.058 54759 1.142 54849 1.103

54563 1.053 54657 1.153 54760 1.093 54850 1.012

54564 1.153 54658 1.129 54761 1.134 54853 1.069

54565 1.073 54659 1.146 54762 1.151 54854 1.122

54566 1.047 54660 1.065 54763 1.144 54855 1.134

54568 1.065 54661 1.161 54764 1.102 54856 1.127

54601 0.951 54662 1.065 54765 1.103 54857 1.190

54602 0.951 54664 1.154 54766 1.047 54858 1.169

54603 1.024 54665 1.100 54767 1.027 54859 1.137

54610 1.126 54666 1.140 54768 0.980 54861 1.059

54611 1.167 54667 1.132 54769 1.142 54862 1.243

54612 1.145 54669 0.900 54770 1.115 54864 1.123

54613 1.125 54670 1.138 54771 1.021 54865 1.172

54614 1.113 54701 0.890 54772 1.132 54867 1.284

54615 1.118 54702 0.943 54773 1.116 54868 1.091

54616 1.147 54703 0.943 54774 1.004 54870 1.166

54618 1.142 54720 0.944 54801 1.162 54871 1.183

54619 1.156 54721 1.132 54805 1.125 54872 1.207

54620 1.100 54722 1.121 54806 1.059 54873 1.109

54621 1.172 54723 1.028 54810 1.180 54874 1.120

54622 1.124 54724 1.003 54812 1.096 54875 1.200

54623 1.054 54725 1.026 54813 1.160 54876 1.232

54624 1.160 54726 0.929 54814 1.048 54880 0.918

54625 1.160 54727 1.083 54816 1.127 54888 1.160

54626 1.069 54728 1.100 54817 1.065 54889 1.161



54890 1.137 54922 1.119 54944 1.111 54968 1.158

54891 1.124 54923 1.116 54945 1.064 54969 1.151

54893 0.946 54926 1.107 54946 1.010 54970 1.119

54895 1.132 54927 1.103 54947 1.152 54971 1.088

54896 0.970 54928 1.149 54948 1.176 54974 1.172

54901 0.950 54929 1.079 54949 1.084 54976 1.125

54902 0.946 54930 1.024 54950 1.119 54977 1.041

54903 0.966 54931 1.111 54952 0.953 54978 1.179

54904 0.876 54932 1.152 54956 0.979 54979 1.126

54906 0.950 54933 1.079 54957 0.979 54980 1.103

54909 1.099 54934 1.116 54960 1.134 54981 1.010

54911 0.884 54935 0.922 54961 1.085 54982 1.107

54912 0.884 54936 0.922 54962 1.064 54983 1.079

54913 0.992 54937 1.021 54963 1.103 54984 1.125

54914 0.923 54940 1.151 54964 1.123 54985 0.966

54915 0.963 54941 1.079 54965 1.121 54986 1.149

54919 1.006 54942 1.031 54966 1.114 54990 1.064

54921 1.113 54943 1.122 54967 1.164


Factor Factor Factor

0 - 50,000 0.700 105,001 - 106,000 0.840 161,001 - 162,000 1.033

50,001 - 51,000 0.702 106,001 - 107,000 0.844 162,001 - 163,000 1.035

51,001 - 52,000 0.704 107,001 - 108,000 0.848 163,001 - 164,000 1.036

52,001 - 53,000 0.706 108,001 - 109,000 0.852 164,001 - 165,000 1.038

53,001 - 54,000 0.708 109,001 - 110,000 0.856 165,001 - 166,000 1.039

54,001 - 55,000 0.710 110,001 - 111,000 0.860 166,001 - 167,000 1.041

55,001 - 56,000 0.712 111,001 - 112,000 0.864 167,001 - 168,000 1.042

56,001 - 57,000 0.714 112,001 - 113,000 0.868 168,001 - 169,000 1.044

57,001 - 58,000 0.716 113,001 - 114,000 0.872 169,001 - 170,000 1.045

58,001 - 59,000 0.717 114,001 - 115,000 0.876 170,001 - 171,000 1.047

59,001 - 60,000 0.719 115,001 - 116,000 0.880 171,001 - 172,000 1.049

60,001 - 61,000 0.720 116,001 - 117,000 0.885 172,001 - 173,000 1.051

61,001 - 62,000 0.721 117,001 - 118,000 0.890 173,001 - 174,000 1.053

62,001 - 63,000 0.722 118,001 - 119,000 0.895 174,001 - 175,000 1.056

63,001 - 64,000 0.723 119,001 - 120,000 0.900 175,001 - 176,000 1.058

64,001 - 65,000 0.724 120,001 - 121,000 0.905 176,001 - 177,000 1.060

65,001 - 66,000 0.725 121,001 - 122,000 0.910 177,001 - 178,000 1.062

66,001 - 67,000 0.726 122,001 - 123,000 0.915 178,001 - 179,000 1.064

67,001 - 68,000 0.727 123,001 - 124,000 0.920 179,001 - 180,000 1.066

68,001 - 69,000 0.728 124,001 - 125,000 0.925 180,001 - 181,000 1.068

69,001 - 70,000 0.729 125,001 - 126,000 0.930 181,001 - 182,000 1.070

70,001 - 71,000 0.730 126,001 - 127,000 0.935 182,001 - 183,000 1.072

71,001 - 72,000 0.732 127,001 - 128,000 0.940 183,001 - 184,000 1.074

72,001 - 73,000 0.734 128,001 - 129,000 0.945 184,001 - 185,000 1.077

73,001 - 74,000 0.736 129,001 - 130,000 0.950 185,001 - 186,000 1.079

74,001 - 75,000 0.738 130,001 - 131,000 0.955 186,001 - 187,000 1.081

75,001 - 76,000 0.740 131,001 - 132,000 0.960 187,001 - 188,000 1.083

76,001 - 77,000 0.742 132,001 - 133,000 0.965 188,001 - 189,000 1.085

77,001 - 78,000 0.744 133,001 - 134,000 0.970 189,001 - 190,000 1.087

78,001 - 79,000 0.746 134,001 - 135,000 0.975 190,001 - 191,000 1.090

79,001 - 80,000 0.748 135,001 - 136,000 0.980 191,001 - 192,000 1.092

80,001 - 81,000 0.750 136,001 - 137,000 0.985 192,001 - 193,000 1.095

81,001 - 82,000 0.753 137,001 - 138,000 0.990 193,001 - 194,000 1.098

82,001 - 83,000 0.756 138,001 - 139,000 0.995 194,001 - 195,000 1.101

83,001 - 84,000 0.759 139,001 - 140,000 1.000 195,001 - 196,000 1.103

84,001 - 85,000 0.762 140,001 - 141,000 1.002 196,001 - 197,000 1.106

85,001 - 86,000 0.765 141,001 - 142,000 1.003 197,001 - 198,000 1.109

86,001 - 87,000 0.768 142,001 - 143,000 1.005 198,001 - 199,000 1.111

87,001 - 88,000 0.771 143,001 - 144,000 1.006 199,001 - 200,000 1.114

88,001 - 89,000 0.774 144,001 - 145,000 1.008 200,001 - 201,000 1.117

89,001 - 90,000 0.777 145,001 - 146,000 1.009 201,001 - 202,000 1.121

90,001 - 91,000 0.780 146,001 - 147,000 1.011 202,001 - 203,000 1.124

91,001 - 92,000 0.784 147,001 - 148,000 1.012 203,001 - 204,000 1.127

92,001 - 93,000 0.788 148,001 - 149,000 1.014 204,001 - 205,000 1.131

93,001 - 94,000 0.792 149,001 - 150,000 1.015 205,001 - 206,000 1.134

94,001 - 95,000 0.796 150,001 - 151,000 1.017 206,001 - 207,000 1.137

95,001 - 96,000 0.800 151,001 - 152,000 1.018 207,001 - 208,000 1.140

96,001 - 97,000 0.804 152,001 - 153,000 1.020 208,001 - 209,000 1.144

97,001 - 98,000 0.808 153,001 - 154,000 1.021 209,001 - 210,000 1.147

98,001 - 99,000 0.812 154,001 - 155,000 1.023 210,001 - 211,000 1.150

99,001 - 100,000 0.816 155,001 - 156,000 1.024 211,001 - 212,000 1.154

100,001 - 101,000 0.820 156,001 - 157,000 1.026 212,001 - 213,000 1.157

101,001 - 102,000 0.824 157,001 - 158,000 1.027 213,001 - 214,000 1.161

102,001 - 103,000 0.828 158,001 - 159,000 1.029 214,001 - 215,000 1.164

103,001 - 104,000 0.832 159,001 - 160,000 1.030 215,001 - 216,000 1.167

104,001 - 105,000 0.836 160,001 - 161,000 1.032 216,001 - 217,000 1.171

Coverage A Factor

*Applies to Basic, Broad, & Special Forms

Amount of Coverage Amount of Coverage Amount of Coverage

11/01/2017 Appendix B-1 Madison Mutual Insurance Company (WI)


217,001 - 218,000 1.174 277,001 - 278,000 1.507 337,001 - 338,000 1.906

218,001 - 219,000 1.178 278,001 - 279,000 1.515 338,001 - 339,000 1.911

219,001 - 220,000 1.181 279,001 - 280,000 1.523 339,001 - 340,000 1.916

220,001 - 221,000 1.185 280,001 - 281,000 1.532 340,001 - 341,000 1.922

221,001 - 222,000 1.189 281,001 - 282,000 1.541 341,001 - 342,000 1.927

222,001 - 223,000 1.193 282,001 - 283,000 1.550 342,001 - 343,000 1.932

223,001 - 224,000 1.197 283,001 - 284,000 1.559 343,001 - 344,000 1.937

224,001 - 225,000 1.202 284,001 - 285,000 1.569 344,001 - 345,000 1.942

225,001 - 226,000 1.206 285,001 - 286,000 1.578 345,001 - 346,000 1.947

226,001 - 227,000 1.210 286,001 - 287,000 1.587 346,001 - 347,000 1.953

227,001 - 228,000 1.214 287,001 - 288,000 1.596 347,001 - 348,000 1.958

228,001 - 229,000 1.218 288,001 - 289,000 1.605 348,001 - 349,000 1.963

229,001 - 230,000 1.222 289,001 - 290,000 1.614 349,001 - 350,000 1.968

230,001 - 231,000 1.226 290,001 - 291,000 1.625 350,001 - 351,000 1.977

231,001 - 232,000 1.231 291,001 - 292,000 1.635 351,001 - 352,000 1.985

232,001 - 233,000 1.235 292,001 - 293,000 1.646 352,001 - 353,000 1.994

233,001 - 234,000 1.239 293,001 - 294,000 1.656 353,001 - 354,000 2.003

234,001 - 235,000 1.244 294,001 - 295,000 1.667 354,001 - 355,000 2.011

235,001 - 236,000 1.248 295,001 - 296,000 1.677 355,001 - 356,000 2.020

236,001 - 237,000 1.252 296,001 - 297,000 1.688 356,001 - 357,000 2.028

237,001 - 238,000 1.256 297,001 - 298,000 1.698 357,001 - 358,000 2.037

238,001 - 239,000 1.261 298,001 - 299,000 1.709 358,001 - 359,000 2.046

239,001 - 240,000 1.265 299,001 - 300,000 1.719 359,001 - 360,000 2.054

240,001 - 241,000 1.270 300,001 - 301,000 1.724 360,001 - 361,000 2.063

241,001 - 242,000 1.275 301,001 - 302,000 1.729 361,001 - 362,000 2.072

242,001 - 243,000 1.280 302,001 - 303,000 1.733 362,001 - 363,000 2.080

243,001 - 244,000 1.285 303,001 - 304,000 1.738 363,001 - 364,000 2.089

244,001 - 245,000 1.291 304,001 - 305,000 1.743 364,001 - 365,000 2.098

245,001 - 246,000 1.296 305,001 - 306,000 1.748 365,001 - 366,000 2.106

246,001 - 247,000 1.301 306,001 - 307,000 1.753 366,001 - 367,000 2.115

247,001 - 248,000 1.306 307,001 - 308,000 1.757 367,001 - 368,000 2.124

248,001 - 249,000 1.311 308,001 - 309,000 1.762 368,001 - 369,000 2.132

249,001 - 250,000 1.316 309,001 - 310,000 1.767 369,001 - 370,000 2.141

250,001 - 251,000 1.322 310,001 - 311,000 1.772 370,001 - 371,000 2.149

251,001 - 252,000 1.328 311,001 - 312,000 1.777 371,001 - 372,000 2.158

252,001 - 253,000 1.334 312,001 - 313,000 1.781 372,001 - 373,000 2.167

253,001 - 254,000 1.340 313,001 - 314,000 1.786 373,001 - 374,000 2.175

254,001 - 255,000 1.346 314,001 - 315,000 1.791 374,001 - 375,000 2.184

255,001 - 256,000 1.351 315,001 - 316,000 1.796 375,001 - 376,000 2.193

256,001 - 257,000 1.357 316,001 - 317,000 1.801 376,001 - 377,000 2.201

257,001 - 258,000 1.363 317,001 - 318,000 1.805 377,001 - 378,000 2.210

258,001 - 259,000 1.369 318,001 - 319,000 1.810 378,001 - 379,000 2.219

259,001 - 260,000 1.375 319,001 - 320,000 1.815 379,001 - 380,000 2.227

260,001 - 261,000 1.382 320,001 - 321,000 1.820 380,001 - 381,000 2.236

261,001 - 262,000 1.389 321,001 - 322,000 1.825 381,001 - 382,000 2.244

262,001 - 263,000 1.396 322,001 - 323,000 1.829 382,001 - 383,000 2.253

263,001 - 264,000 1.403 323,001 - 324,000 1.834 383,001 - 384,000 2.262

264,001 - 265,000 1.410 324,001 - 325,000 1.839 384,001 - 385,000 2.270

265,001 - 266,000 1.416 325,001 - 326,000 1.844 385,001 - 386,000 2.279

266,001 - 267,000 1.423 326,001 - 327,000 1.849 386,001 - 387,000 2.288

267,001 - 268,000 1.430 327,001 - 328,000 1.854 387,001 - 388,000 2.296

268,001 - 269,000 1.437 328,001 - 329,000 1.860 388,001 - 389,000 2.305

269,001 - 270,000 1.444 329,001 - 330,000 1.865 389,001 - 390,000 2.314

270,001 - 271,000 1.452 330,001 - 331,000 1.870 390,001 - 391,000 2.322

271,001 - 272,000 1.460 331,001 - 332,000 1.875 391,001 - 392,000 2.331

272,001 - 273,000 1.468 332,001 - 333,000 1.880 392,001 - 393,000 2.340

273,001 - 274,000 1.476 333,001 - 334,000 1.885 393,001 - 394,000 2.348

274,001 - 275,000 1.484 334,001 - 335,000 1.891 394,001 - 395,000 2.357

275,001 - 276,000 1.491 335,001 - 336,000 1.896 395,001 - 396,000 2.365

276,001 - 277,000 1.499 336,001 - 337,000 1.901 396,001 - 397,000 2.374




397,001 - 398,000 2.383 457,001 - 458,000 2.980 517,001 - 518,000 3.580

398,001 - 399,000 2.391 458,001 - 459,000 2.990 518,001 - 519,000 3.590

399,001 - 400,000 2.400 459,001 - 460,000 3.000 519,001 - 520,000 3.600

400,001 - 401,000 2.410 460,001 - 461,000 3.010 520,001 - 521,000 3.610

401,001 - 402,000 2.420 461,001 - 462,000 3.020 521,001 - 522,000 3.620

402,001 - 403,000 2.430 462,001 - 463,000 3.030 522,001 - 523,000 3.630

403,001 - 404,000 2.440 463,001 - 464,000 3.040 523,001 - 524,000 3.640

404,001 - 405,000 2.450 464,001 - 465,000 3.050 524,001 - 525,000 3.650

405,001 - 406,000 2.460 465,001 - 466,000 3.060 525,001 - 526,000 3.660

406,001 - 407,000 2.470 466,001 - 467,000 3.070 526,001 - 527,000 3.670

407,001 - 408,000 2.480 467,001 - 468,000 3.080 527,001 - 528,000 3.680

408,001 - 409,000 2.490 468,001 - 469,000 3.090 528,001 - 529,000 3.690

409,001 - 410,000 2.500 469,001 - 470,000 3.100 529,001 - 530,000 3.700

410,001 - 411,000 2.510 470,001 - 471,000 3.110 530,001 - 531,000 3.710

411,001 - 412,000 2.520 471,001 - 472,000 3.120 531,001 - 532,000 3.720

412,001 - 413,000 2.530 472,001 - 473,000 3.130 532,001 - 533,000 3.730

413,001 - 414,000 2.540 473,001 - 474,000 3.140 533,001 - 534,000 3.740

414,001 - 415,000 2.550 474,001 - 475,000 3.150 534,001 - 535,000 3.750

415,001 - 416,000 2.560 475,001 - 476,000 3.160 535,001 - 536,000 3.760

416,001 - 417,000 2.570 476,001 - 477,000 3.170 536,001 - 537,000 3.770

417,001 - 418,000 2.580 477,001 - 478,000 3.180 537,001 - 538,000 3.780

418,001 - 419,000 2.590 478,001 - 479,000 3.190 538,001 - 539,000 3.790

419,001 - 420,000 2.600 479,001 - 480,000 3.200 539,001 - 540,000 3.800

420,001 - 421,000 2.610 480,001 - 481,000 3.210 540,001 - 541,000 3.810

421,001 - 422,000 2.620 481,001 - 482,000 3.220 541,001 - 542,000 3.820

422,001 - 423,000 2.630 482,001 - 483,000 3.230 542,001 - 543,000 3.830

423,001 - 424,000 2.640 483,001 - 484,000 3.240 543,001 - 544,000 3.840

424,001 - 425,000 2.650 484,001 - 485,000 3.250 544,001 - 545,000 3.850

425,001 - 426,000 2.660 485,001 - 486,000 3.260 545,001 - 546,000 3.860

426,001 - 427,000 2.670 486,001 - 487,000 3.270 546,001 - 547,000 3.870

427,001 - 428,000 2.680 487,001 - 488,000 3.280 547,001 - 548,000 3.880

428,001 - 429,000 2.690 488,001 - 489,000 3.290 548,001 - 549,000 3.890

429,001 - 430,000 2.700 489,001 - 490,000 3.300 549,001 - 550,000 3.900

430,001 - 431,000 2.710 490,001 - 491,000 3.310 550,001 - 551,000 3.910

431,001 - 432,000 2.720 491,001 - 492,000 3.320 551,001 - 552,000 3.920

432,001 - 433,000 2.730 492,001 - 493,000 3.330 552,001 - 553,000 3.930

433,001 - 434,000 2.740 493,001 - 494,000 3.340 553,001 - 554,000 3.940

434,001 - 435,000 2.750 494,001 - 495,000 3.350 554,001 - 555,000 3.950

435,001 - 436,000 2.760 495,001 - 496,000 3.360 555,001 - 556,000 3.960

436,001 - 437,000 2.770 496,001 - 497,000 3.370 556,001 - 557,000 3.970

437,001 - 438,000 2.780 497,001 - 498,000 3.380 557,001 - 558,000 3.980

438,001 - 439,000 2.790 498,001 - 499,000 3.390 558,001 - 559,000 3.990

439,001 - 440,000 2.800 499,001 - 500,000 3.400 559,001 - 560,000 4.000

440,001 - 441,000 2.810 500,001 - 501,000 3.410 560,001 - 561,000 4.010

441,001 - 442,000 2.820 501,001 - 502,000 3.420 561,001 - 562,000 4.020

442,001 - 443,000 2.830 502,001 - 503,000 3.430 562,001 - 563,000 4.030

443,001 - 444,000 2.840 503,001 - 504,000 3.440 563,001 - 564,000 4.040

444,001 - 445,000 2.850 504,001 - 505,000 3.450 564,001 - 565,000 4.050

445,001 - 446,000 2.860 505,001 - 506,000 3.460 565,001 - 566,000 4.060

446,001 - 447,000 2.870 506,001 - 507,000 3.470 566,001 - 567,000 4.070

447,001 - 448,000 2.880 507,001 - 508,000 3.480 567,001 - 568,000 4.080

448,001 - 449,000 2.890 508,001 - 509,000 3.490 568,001 - 569,000 4.090

449,001 - 450,000 2.900 509,001 - 510,000 3.500 569,001 - 570,000 4.100

450,001 - 451,000 2.910 510,001 - 511,000 3.510 570,001 - 571,000 4.110

451,001 - 452,000 2.920 511,001 - 512,000 3.520 571,001 - 572,000 4.120

452,001 - 453,000 2.930 512,001 - 513,000 3.530 572,001 - 573,000 4.130

453,001 - 454,000 2.940 513,001 - 514,000 3.540 573,001 - 574,000 4.140

454,001 - 455,000 2.950 514,001 - 515,000 3.550 574,001 - 575,000 4.150

455,001 - 456,000 2.960 515,001 - 516,000 3.560 575,001 - 576,000 4.160

456,001 - 457,000 2.970 516,001 - 517,000 3.570 576,001 - 577,000 4.170




577,001 - 578,000 4.180 637,001 - 638,000 4.780 697,001 - 698,000 5.380

578,001 - 579,000 4.190 638,001 - 639,000 4.790 698,001 - 699,000 5.390

579,001 - 580,000 4.200 639,001 - 640,000 4.800 699,001 - 700,000 5.400

580,001 - 581,000 4.210 640,001 - 641,000 4.810 700,001 - 701,000 5.410

581,001 - 582,000 4.220 641,001 - 642,000 4.820 701,001 - 702,000 5.420

582,001 - 583,000 4.230 642,001 - 643,000 4.830 702,001 - 703,000 5.430

583,001 - 584,000 4.240 643,001 - 644,000 4.840 703,001 - 704,000 5.440

584,001 - 585,000 4.250 644,001 - 645,000 4.850 704,001 - 705,000 5.450

585,001 - 586,000 4.260 645,001 - 646,000 4.860 705,001 - 706,000 5.460

586,001 - 587,000 4.270 646,001 - 647,000 4.870 706,001 - 707,000 5.470

587,001 - 588,000 4.280 647,001 - 648,000 4.880 707,001 - 708,000 5.480

588,001 - 589,000 4.290 648,001 - 649,000 4.890 708,001 - 709,000 5.490

589,001 - 590,000 4.300 649,001 - 650,000 4.900 709,001 - 710,000 5.500

590,001 - 591,000 4.310 650,001 - 651,000 4.910 710,001 - 711,000 5.510

591,001 - 592,000 4.320 651,001 - 652,000 4.920 711,001 - 712,000 5.520

592,001 - 593,000 4.330 652,001 - 653,000 4.930 712,001 - 713,000 5.530

593,001 - 594,000 4.340 653,001 - 654,000 4.940 713,001 - 714,000 5.540

594,001 - 595,000 4.350 654,001 - 655,000 4.950 714,001 - 715,000 5.550

595,001 - 596,000 4.360 655,001 - 656,000 4.960 715,001 - 716,000 5.560

596,001 - 597,000 4.370 656,001 - 657,000 4.970 716,001 - 717,000 5.570

597,001 - 598,000 4.380 657,001 - 658,000 4.980 717,001 - 718,000 5.580

598,001 - 599,000 4.390 658,001 - 659,000 4.990 718,001 - 719,000 5.590

599,001 - 600,000 4.400 659,001 - 660,000 5.000 719,001 - 720,000 5.600

600,001 - 601,000 4.410 660,001 - 661,000 5.010 720,001 - 721,000 5.610

601,001 - 602,000 4.420 661,001 - 662,000 5.020 721,001 - 722,000 5.620

602,001 - 603,000 4.430 662,001 - 663,000 5.030 722,001 - 723,000 5.630

603,001 - 604,000 4.440 663,001 - 664,000 5.040 723,001 - 724,000 5.640

604,001 - 605,000 4.450 664,001 - 665,000 5.050 724,001 - 725,000 5.650

605,001 - 606,000 4.460 665,001 - 666,000 5.060 725,001 - 726,000 5.660

606,001 - 607,000 4.470 666,001 - 667,000 5.070 726,001 - 727,000 5.670

607,001 - 608,000 4.480 667,001 - 668,000 5.080 727,001 - 728,000 5.680

608,001 - 609,000 4.490 668,001 - 669,000 5.090 728,001 - 729,000 5.690

609,001 - 610,000 4.500 669,001 - 670,000 5.100 729,001 - 730,000 5.700

610,001 - 611,000 4.510 670,001 - 671,000 5.110 730,001 - 731,000 5.710

611,001 - 612,000 4.520 671,001 - 672,000 5.120 731,001 - 732,000 5.720

612,001 - 613,000 4.530 672,001 - 673,000 5.130 732,001 - 733,000 5.730

613,001 - 614,000 4.540 673,001 - 674,000 5.140 733,001 - 734,000 5.740

614,001 - 615,000 4.550 674,001 - 675,000 5.150 734,001 - 735,000 5.750

615,001 - 616,000 4.560 675,001 - 676,000 5.160 735,001 - 736,000 5.760

616,001 - 617,000 4.570 676,001 - 677,000 5.170 736,001 - 737,000 5.770

617,001 - 618,000 4.580 677,001 - 678,000 5.180 737,001 - 738,000 5.780

618,001 - 619,000 4.590 678,001 - 679,000 5.190 738,001 - 739,000 5.790

619,001 - 620,000 4.600 679,001 - 680,000 5.200 739,001 - 740,000 5.800

620,001 - 621,000 4.610 680,001 - 681,000 5.210 740,001 - 741,000 5.810

621,001 - 622,000 4.620 681,001 - 682,000 5.220 741,001 - 742,000 5.820

622,001 - 623,000 4.630 682,001 - 683,000 5.230 742,001 - 743,000 5.830

623,001 - 624,000 4.640 683,001 - 684,000 5.240 743,001 - 744,000 5.840

624,001 - 625,000 4.650 684,001 - 685,000 5.250 744,001 - 745,000 5.850

625,001 - 626,000 4.660 685,001 - 686,000 5.260 745,001 - 746,000 5.860

626,001 - 627,000 4.670 686,001 - 687,000 5.270 746,001 - 747,000 5.870

627,001 - 628,000 4.680 687,001 - 688,000 5.280 747,001 - 748,000 5.880

628,001 - 629,000 4.690 688,001 - 689,000 5.290 748,001 - 749,000 5.890

629,001 - 630,000 4.700 689,001 - 690,000 5.300 749,001 - 750,000 5.900

630,001 - 631,000 4.710 690,001 - 691,000 5.310 750,001 - 751,000 5.910

631,001 - 632,000 4.720 691,001 - 692,000 5.320 751,001 - 752,000 5.920

632,001 - 633,000 4.730 692,001 - 693,000 5.330 752,001 - 753,000 5.930

633,001 - 634,000 4.740 693,001 - 694,000 5.340 753,001 - 754,000 5.940

634,001 - 635,000 4.750 694,001 - 695,000 5.350 754,001 - 755,000 5.950

635,001 - 636,000 4.760 695,001 - 696,000 5.360 755,001 - 756,000 5.960

636,001 - 637,000 4.770 696,001 - 697,000 5.370 756,001 - 757,000 5.970

Amount of CoverageAmount of Coverage Amount of Coverage



757,001 - 758,000 5.980 817,001 - 818,000 6.580 877,001 - 878,000 7.180

758,001 - 759,000 5.990 818,001 - 819,000 6.590 878,001 - 879,000 7.190

759,001 - 760,000 6.000 819,001 - 820,000 6.600 879,001 - 880,000 7.200

760,001 - 761,000 6.010 820,001 - 821,000 6.610 880,001 - 881,000 7.210

761,001 - 762,000 6.020 821,001 - 822,000 6.620 881,001 - 882,000 7.220

762,001 - 763,000 6.030 822,001 - 823,000 6.630 882,001 - 883,000 7.230

763,001 - 764,000 6.040 823,001 - 824,000 6.640 883,001 - 884,000 7.240

764,001 - 765,000 6.050 824,001 - 825,000 6.650 884,001 - 885,000 7.250

765,001 - 766,000 6.060 825,001 - 826,000 6.660 885,001 - 886,000 7.260

766,001 - 767,000 6.070 826,001 - 827,000 6.670 886,001 - 887,000 7.270

767,001 - 768,000 6.080 827,001 - 828,000 6.680 887,001 - 888,000 7.280

768,001 - 769,000 6.090 828,001 - 829,000 6.690 888,001 - 889,000 7.290

769,001 - 770,000 6.100 829,001 - 830,000 6.700 889,001 - 890,000 7.300

770,001 - 771,000 6.110 830,001 - 831,000 6.710 890,001 - 891,000 7.310

771,001 - 772,000 6.120 831,001 - 832,000 6.720 891,001 - 892,000 7.320

772,001 - 773,000 6.130 832,001 - 833,000 6.730 892,001 - 893,000 7.330

773,001 - 774,000 6.140 833,001 - 834,000 6.740 893,001 - 894,000 7.340

774,001 - 775,000 6.150 834,001 - 835,000 6.750 894,001 - 895,000 7.350

775,001 - 776,000 6.160 835,001 - 836,000 6.760 895,001 - 896,000 7.360

776,001 - 777,000 6.170 836,001 - 837,000 6.770 896,001 - 897,000 7.370

777,001 - 778,000 6.180 837,001 - 838,000 6.780 897,001 - 898,000 7.380

778,001 - 779,000 6.190 838,001 - 839,000 6.790 898,001 - 899,000 7.390

779,001 - 780,000 6.200 839,001 - 840,000 6.800 899,001 - 900,000 7.400

780,001 - 781,000 6.210 840,001 - 841,000 6.810 900,001 - 901,000 7.410

781,001 - 782,000 6.220 841,001 - 842,000 6.820 901,001 - 902,000 7.420

782,001 - 783,000 6.230 842,001 - 843,000 6.830 902,001 - 903,000 7.430

783,001 - 784,000 6.240 843,001 - 844,000 6.840 903,001 - 904,000 7.440

784,001 - 785,000 6.250 844,001 - 845,000 6.850 904,001 - 905,000 7.450

785,001 - 786,000 6.260 845,001 - 846,000 6.860 905,001 - 906,000 7.460

786,001 - 787,000 6.270 846,001 - 847,000 6.870 906,001 - 907,000 7.470

787,001 - 788,000 6.280 847,001 - 848,000 6.880 907,001 - 908,000 7.480

788,001 - 789,000 6.290 848,001 - 849,000 6.890 908,001 - 909,000 7.490

789,001 - 790,000 6.300 849,001 - 850,000 6.900 909,001 - 910,000 7.500

790,001 - 791,000 6.310 850,001 - 851,000 6.910 910,001 - 911,000 7.510

791,001 - 792,000 6.320 851,001 - 852,000 6.920 911,001 - 912,000 7.520

792,001 - 793,000 6.330 852,001 - 853,000 6.930 912,001 - 913,000 7.530

793,001 - 794,000 6.340 853,001 - 854,000 6.940 913,001 - 914,000 7.540

794,001 - 795,000 6.350 854,001 - 855,000 6.950 914,001 - 915,000 7.550

795,001 - 796,000 6.360 855,001 - 856,000 6.960 915,001 - 916,000 7.560

796,001 - 797,000 6.370 856,001 - 857,000 6.970 916,001 - 917,000 7.570

797,001 - 798,000 6.380 857,001 - 858,000 6.980 917,001 - 918,000 7.580

798,001 - 799,000 6.390 858,001 - 859,000 6.990 918,001 - 919,000 7.590

799,001 - 800,000 6.400 859,001 - 860,000 7.000 919,001 - 920,000 7.600

800,001 - 801,000 6.410 860,001 - 861,000 7.010 920,001 - 921,000 7.610

801,001 - 802,000 6.420 861,001 - 862,000 7.020 921,001 - 922,000 7.620

802,001 - 803,000 6.430 862,001 - 863,000 7.030 922,001 - 923,000 7.630

803,001 - 804,000 6.440 863,001 - 864,000 7.040 923,001 - 924,000 7.640

804,001 - 805,000 6.450 864,001 - 865,000 7.050 924,001 - 925,000 7.650

805,001 - 806,000 6.460 865,001 - 866,000 7.060 925,001 - 926,000 7.660

806,001 - 807,000 6.470 866,001 - 867,000 7.070 926,001 - 927,000 7.670

807,001 - 808,000 6.480 867,001 - 868,000 7.080 927,001 - 928,000 7.680

808,001 - 809,000 6.490 868,001 - 869,000 7.090 928,001 - 929,000 7.690

809,001 - 810,000 6.500 869,001 - 870,000 7.100 929,001 - 930,000 7.700

810,001 - 811,000 6.510 870,001 - 871,000 7.110 930,001 - 931,000 7.710

811,001 - 812,000 6.520 871,001 - 872,000 7.120 931,001 - 932,000 7.720

812,001 - 813,000 6.530 872,001 - 873,000 7.130 932,001 - 933,000 7.730

813,001 - 814,000 6.540 873,001 - 874,000 7.140 933,001 - 934,000 7.740

814,001 - 815,000 6.550 874,001 - 875,000 7.150 934,001 - 935,000 7.750

815,001 - 816,000 6.560 875,001 - 876,000 7.160 935,001 - 936,000 7.760

816,001 - 817,000 6.570 876,001 - 877,000 7.170 936,001 - 937,000 7.770




937,001 - 938,000 7.780 959,001 - 960,000 8.000 981,001 - 982,000 8.220

938,001 - 939,000 7.790 960,001 - 961,000 8.010 982,001 - 983,000 8.230

939,001 - 940,000 7.800 961,001 - 962,000 8.020 983,001 - 984,000 8.240

940,001 - 941,000 7.810 962,001 - 963,000 8.030 984,001 - 985,000 8.250

941,001 - 942,000 7.820 963,001 - 964,000 8.040 985,001 - 986,000 8.260

942,001 - 943,000 7.830 964,001 - 965,000 8.050 986,001 - 987,000 8.270

943,001 - 944,000 7.840 965,001 - 966,000 8.060 987,001 - 988,000 8.280

944,001 - 945,000 7.850 966,001 - 967,000 8.070 988,001 - 989,000 8.290

945,001 - 946,000 7.860 967,001 - 968,000 8.080 989,001 - 990,000 8.300

946,001 - 947,000 7.870 968,001 - 969,000 8.090 990,001 - 991,000 8.310

947,001 - 948,000 7.880 969,001 - 970,000 8.100 991,001 - 992,000 8.320

948,001 - 949,000 7.890 970,001 - 971,000 8.110 992,001 - 993,000 8.330

949,001 - 950,000 7.900 971,001 - 972,000 8.120 993,001 - 994,000 8.340

950,001 - 951,000 7.910 972,001 - 973,000 8.130 994,001 - 995,000 8.350

951,001 - 952,000 7.920 973,001 - 974,000 8.140 995,001 - 996,000 8.360

952,001 - 953,000 7.930 974,001 - 975,000 8.150 996,001 - 997,000 8.370

953,001 - 954,000 7.940 975,001 - 976,000 8.160 997,001 - 998,000 8.380

954,001 - 955,000 7.950 976,001 - 977,000 8.170 998,001 - 999,000 8.390

955,001 - 956,000 7.960 977,001 - 978,000 8.180 999,001 - 1,000,000 8.400

956,001 - 957,000 7.970 978,001 - 979,000 8.190

957,001 - 958,000 7.980 979,001 - 980,000 8.200

958,001 - 959,000 7.990 980,001 - 981,000 8.210 *Additional Amount per $1,000 = .006



Factor

20,000 - 24,999 1.000

25,000 - 29,999 1.125

30,000 - 34,999 1.250

35,000 - 39,999 1.375

40,000 - 44,999 1.500

45,000 - 49,999 1.625

50,000 - 54,999 1.750

55,000 - 59,999 1.875

60,000 - 64,999 2.000

65,000 - 69,999 2.125

70,000 - 74,999 2.250

75,000 - 79,999 2.375

80,000 - 84,999 2.500

85,000 - 89,999 2.625

90,000 - 94,999 2.750

95,000 - 99,999 2.875

100,000 - 104,999 3.000

105,000 - 109,999 3.125

110,000 - 114,999 3.250

115,000 - 119,999 3.415

120,000 - 124,999 3.580

125,000 - 129,999 3.745

130,000 - 134,999 3.910

135,000 - 139,999 4.075

140,000 - 144,999 4.240

145,000 - 149,999 4.405

150,000 - 154,999 4.570

155,000 - 159,999 4.735

160,000 - 164,999 4.900

165,000 - 169,999 5.065

170,000 - 174,999 5.230

175,000 - 179,999 5.400

180,000 - 184,999 5.570

185,000 - 189,999 5.740

190,000 - 194,999 5.910

195,000 - 199,999 6.080

200,000 - 204,999 6.250

205,000 - 209,999 6.400

210,000 - 214,999 6.550

215,000 - 219,999 6.700

220,000 - 224,999 6.850

225,000 - 229,999 7.000

230,000 - 234,999 7.150

235,000 - 239,999 7.300

240,000 - 244,999 7.450

245,000 - 249,999 7.600

250,000 - 254,999 7.750

255,000 - 259,999 7.900

260,000 - 264,999 8.050

265,000 - 269,999 8.200

270,000 - 274,999 8.350

275,000 - 279,999 8.500

280,000 - 284,999 8.650

285,000 - 289,999 8.800

290,000 - 294,999 8.950

295,000 - 299,999 9.100

300,000 - and up 9.250

Coverage C Factor

*Applies to Contents Only

Amount of Coverage


Policy Type Base Rate Factor

Basic 500.00 1.00

Broad 500.00 1.10

Special 500.00 1.15

Additional Dwelling - Basic 500.00 1.10

Additional Dwelling - Broad 500.00 1.15

Additional Dwelling - Special 500.00 1.25

Manufactured Home - Basic 550.00 1.00

Manufactured Home - Broad 550.00 1.10

Manufactured Home - Special 550.00 1.15

Contents Only - Basic 110.00 1.00

Contents Only - Broad 110.00 1.10

Contents Only - Special 110.00 1.15

Unit Owners - Basic 136.00 1.00

Unit Owners - Broad 136.00 1.10

Unit Owners - Special 136.00 1.15

Factor

1.00

1.00

1.00

1.00

1.10

1.00

1.00

1.35

1.35

1.00

1.35

1.35

1.00

0.95

1.00

0.95

1.00

1.00

1.00

1.00

1.00

1.00

1.00

1.00

1.00

0.95

1.20

1.10

1.20

1.20

Roof Type

Built-Up/Tar and Gravel

Copper

Shingles, Architectural

Fiberglass, Translucent Panel

Foam

Plexiglas

Rubber

Shakes, Victorian Scalloped

Shakes, Wood

Shingles, Asphalt/Fiberglass

Shingles, Pine

Shingles, Wood

Shingles, Synthetic/Rubber

Shingles, Steel, Aggregate Finish

Slate

Steel

Tile, Clay

Tile, Concrete

Tile, Mission

Roof Rating Factor

Policy Form Rating Factor & Base Rates

Tiles, Photovoltaic

Aluminum, Standing Seam

Steel, Standing Seam

Rolled Roof/Single Ply

Vinyl

Shingles, Photovoltaic

Tile, Spanish

Tin

Hail Proof

Aluminum, Corrugated

Aluminum, Shingle

11/01/2017 Appendix C-1 Madison Mutual Insurance Company (WI)

Construction Class Factor

Frame 1.00

Other 0.90

Protection Class Factor

1 - 4 1.00

5 1.02

6 1.04

7 1.10

8 1.11

9 1.14

10 1.30

8B, 8Y, 8X 1.13

10W 1.28

1X-5X, 1Y-5Y 1.04

6X-6Y, 7X-7Y 1.11

Square Footage Factor

0-999 0.940

1,000-1,099 0.940

1,100-1,199 0.940

1,200-1,299 0.945

1,300-1,399 0.950

1,400-1,499 0.960

1,500-1,599 0.960

1,600-1,699 0.960

1,700-1,799 0.970

1,800-1,899 0.980

1,900-1,999 0.995

2,000-2,099 1.000

2,100-2,199 1.010

2,200-2,299 1.020

2,300-2,399 1.030

2,400-2,499 1.040

2,500-2,599 1.050

2,600-2,699 1.060

2,700-2,799 1.065

2,800-2,899 1.065

2,900-2,999 1.070

3,000-3,499 1.075

3,500-3,999 1.100

4,000-4,499 1.120

4,500-4,999 1.130

5,000-5,499 1.135

5,500-5,999 1.140

6,000-6,999 1.150

7,000-7,999 1.160

8,000-8,999 1.170

9,000-9,999 1.180

10,000 + 1.200

Square Footage Rating Factor

Protection Class Rating Factor

Construction Class Rating Factor

11/01/2017 Appendix C-2 Madison Mutual Insurance Company (WI)

WISCONSIN AUTO, HOMEOWNERS, UMBRELLA, & …...• Motor homes and vehicles with an original cost new...

Documents

Transcript of WISCONSIN AUTO, HOMEOWNERS, UMBRELLA, & …...• Motor homes and vehicles with an original cost new...