State Of California Underwriting And Rate Guide Renters-Books Pdf

STATE OF CALIFORNIA Underwriting and Rate Guide Renters
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Pacific Specialty Insurance Company, California Renters Program. Table of Contents, 1 POLICY FORMS AND DWELLING PROPERTY LIMITS 3. 2 ELIGIBILITY 3, 3 POLICY TERM 3, 4 OTHER INSURANCE 3. 5 RESTRICTION OF COVERAGE 3, 6 APPLICATION AND BINDING PROCEDURES 3. 7 CATASTROPHE MANAGEMENT 4, A Suspension of Binding Authority.
B General Non Earthquake Related Emergency Restrictions. C Earthquake Related Restrictions, D Miscellaneous Restrictions. 8 INSPECTION FEE POLICY FEE AND MINIMUM PREMIUMS 6. 9 COVERAGES AND AMOUNTS 6, 10 RESERVED FOR FUTURE USE 6. 11 LOSS SETTLEMENT SECTION I 6, 12 UNACCEPTABLE RISKS 7. 13 OPTIONAL COVERAGES AND LIMITS 8, A Increased Personal Property. B Earthquake Coverage, C Policy Deductibles, D Replacement Cost Coverage for Personal Property.
E Preferred Theft Coverage, F Optional Animal Liability Limits For Acceptable Animals. G Optional Personal Computer Equipment Coverage, H Increased Unscheduled Jewelry Silverware. I Optional Home Freezer Contents Coverage, J Superior Home Protection Package. K Additional Interest, L Identity Theft Coverage, 14 PREMIUM CREDITS AND SURCHARGES 11. A Multi Policy Discount, B Wood Burning Stove Surcharge.
C Claim Record Rating Plan, D Automatic Renewal Discount. CA HO4 MAN Ed 8 1 Page 1, Pacific Specialty Insurance Company. 15 SCHEDULED PERSONAL PROPERTY 12, D Musical Instruments. E Silverware, F Golfers Equipment, G Fine Arts, H Postage Stamps. I Rare and Current Coins, J Firearms, 16 CHANGES ON POLICY 15.
17 CANCELLATION OF INSURANCE 15, 18 TRANSFER OR ASSIGNMENT 15. 19 TERRITORIAL ZONES 15, 20 CONSTRUCTION CLASSIFICATIONS 15. B Masonry Veneer, C Mixed Construction, 21 FIRE PROTECTION DEFINITIONS 15. CA HO4 MAN Ed 8 1 Page 2, Pacific Specialty Insurance Company. 1 POLICY FORMS AND DWELLING PROPERTY LIMITS, A Renters Personal Property Form 4.
Personal Property Limits Minimum 5 000, Maximum 100 000. 2 ELIGIBILITY, These Eligibility Guidelines are subject to the SUBMIT FOR APPROVAL and UNACCEPTABLE RISKS sections. contained herein, NOTE The term owner includes persons purchasing a dwelling such as under a mortgage agreement or. contract of sale, 3 POLICY TERM, Policies will be written for a maximum of 12 month terms only A term of less than 12 months can only be written. to ensure that the policy expiration date coincides with the annual expiration date of another insurance policy. held by the named insured If the term is less than 12 months the premium not the fees will be prorated The. minimum written premium still applies Policy terms less than 6 months must be paid in full. Direct bill premium invoicing is available unless the term is less than 6 months A premium invoice will be. mailed directly to the insured 30 40 days prior to the monthly policy anniversary date. The service fee is 10 if installments are invoiced and paid manually The service fee is 3 if installments are. paid electronically using automatic payments The service fee does not apply to the down payment. An insufficient funds fee of 25 will be assessed whenever a manual check electronic check funds transfer or. credit card transaction is unable to be processed due to the lack of sufficient funds or credit limit. 4 OTHER INSURANCE, Other insurance covering the same property is permitted only when the other insurance is for perils not covered.
by the policy For example flood insurance, 5 RESTRICTION OF COVERAGE. The named insured can request a restriction on an individual policy The circumstances or exposure must be so. unusual that without the restriction the policy would not be issued No reduction from the prescribed rate and. minimum premium is allowed Refer each request to PSIC or its representative. CA HO4 MAN Ed 8 1 Page 3, Pacific Specialty Insurance Company. 6 APPLICATION AND BINDING PROCEDURES, Applications received in our office that are not postmarked within the required binding period specified above. provided all binding procedures and underwriting criteria are satisfied and approved will be made effective the. date received in our office, A For policies bound online using our website rating facility. All application questions must be fully completed by producer and applicant After policy has been bound. and a policy number has been issued the application must be signed by both the producer and the. applicant The application and supporting documentation will be subject to Pacific Specialty Insurance. Company s hereinafter Pacific Specialty or Company current submission procedures Please contact. Customer Service at 1 800 303 5000 with any questions. B For Policies Not Bound Online using our website rating facility. A Pacific Specialty application for the type of policy selected must be fully completed and mailed to the. Company or its representative Binding is subject to acceptance of the risk by Pacific Specialty The. following provisions must be satisfied when the application is submitted. 1 All underwriting rules are followed and, 2 A Pacific Specialty application including any all necessary disclosures is fully completed and signed by.
both the applicant and producer and, 3 Required premium or minimum required down payment accompanies application and. 4 All of the above referenced items are mailed to Pacific Specialty or its representative within the. following number of days from the requested effective date. If premium paid in full 15 days, If direct bill payment option is requested 5 days. An automatically populated application can be printed to sign and submit for policies that are quoted and bound. online through our website facility at www pacificspecialty com. If the dwelling has a woodstove submit the application with a completed woodstove questionnaire and one. photograph Submit basis only no binding see Section 12 Submit for Approval in this manual for details. CA HO4 MAN Ed 8 1 Page 4, Pacific Specialty Insurance Company. 7 CATASTROPHE MANAGEMENT, A Suspension of Binding Authority. All binding authority is automatically suspended whenever the following conditions exist in a given area. Impending severe local weather conditions or bulletin s. When any designated hurricane or tropical storm is forecast to affect any portion of the state within. Civil unrest, No applications for new coverage will be accepted No endorsements of existing policies will be accepted.
which will have the effect of increasing the company s exposure Applications with an effective. date postmark combination which would violate the prohibition s listed above will be rejected and no. coverage will exist Renewals of the company s expiring policies will be issued provided there is no increase. in coverage or exposure, This temporary suspension of binding authority will remain in effect until these binding restrictions have been. lifted by PSIC, NOTE A designated tropical storm or hurricane is a weather disturbance identified as a tropical storm. depression or hurricane by the United States National Weather Service. B General Non Earthquake Related Emergency Restrictions. Pacific Specialty Insurance Company may also establish discretionary restrictions on binding authority during. emergency periods of potential floods mudslides fires or other natural or manmade disaster emergencies. Agents who are aware of such conditions SHOULD NOT BIND COVERAGE UNTIL THEY HAVE CALLED. THE COMPANY TO VERIFY THAT NO BINDING RESTRICTIONS ARE IN EFFECT. If enacted these emergency restrictions will be identical to those detailed in the above Suspension of. Binding Authority section, This temporary suspension of binding authority will remain in effect until these binding restrictions have been. lifted by PSIC, C Earthquake Related Emergency Restrictions. When a major earthquake occurs PSIC or its representative may impose binding authority restriction on all. agents in the affected area, 1 Binding authority will be restricted when an earthquake reading 5 0 or greater on the Richter Scale.
2 Binding authority will be restricted for the day of the earthquake and for the 30 day period following the. earthquake, 3 An aftershock reading 5 0 or greater on the Richter Scale will be considered a new earthquake and will. result in a new period of suspended binding authority. 4 The restrictions will apply to all counties located within 150 miles of the earthquake s epicenter. 5 The same above restrictions apply to any requests to increase coverage limits. 6 Renewals are not affected by these restrictions, D Miscellaneous Restrictions. Pacific Specialty Insurance Company as part of its Catastrophe Management Program may also establish. at its discretion temporary and or permanent restrictions on binding authority to properly control and. maintain appropriate geographic concentration levels. CA HO4 MAN Ed 8 1 Page 5, Pacific Specialty Insurance Company. 8 INSPECTION FEE POLICY FEE AND MINIMUM PREMIUMS, Minimum Written Premium 112. Policy Fee fully earned 30, 9 COVERAGES AND AMOUNTS.
General Guide Only See Policy for Complete Coverages. Coverage C Unscheduled Personal Property Actual Cash Value. Perils include Fire Lightning Windstorm Hail Explosion Riot Civil Commotion Aircraft Vehicles. Smoke Vandalism Malicious Mischief Burglary Breakage of Glass Falling Objects Weight of Snow. Accidental discharge of water and Freezing of plumbing Sublimits apply to money securities. watercraft trailers jewelry watches furs firearms silverware business property tools computer. equipment partial list, Coverage D Loss of Use 20 of Coverage C limit. Coverage E Personal Liability 10 000 each occurrence Higher limits available. This excludes coverage for animal liability, Coverage F Medical Payments to Others 1 000 each occurrence. Coverage WC California Mandatory Workers Compensation. 10 RESERVED FOR FUTURE USE, 11 LOSS SETTLEMENT SECTION I. Below is a brief description of the loss settlement provisions for Section I of the policy Please refer to the policy. for a complete description of the coverage, Personal Property. The loss settlement provision for Personal Property is on an actual cash value basis with a deduction for. depreciation However optional replacement cost loss settlement provisions can be purchased for an additional. CA HO4 MAN Ed 8 1 Page 6, Pacific Specialty Insurance Company.
12 UNACCEPTABLE RISKS, PACIFIC SPECIALTY INSURANCE COMPANY will not accept the following risks. 1 Boats automobiles recreational and utility trailers. 2 Unrelated individuals living together are unacceptable unless ALL are listed as named insureds. maximum 4 and their total property values are combined No multiple families. 3 Any risk with declared value of more than the policy limits. 4 Premises that are used for seasonal or secondary residency or any risk not occupied within 10 days of. inception of coverage, 5 More than three 3 losses claims of any kind or more than 2 Burglary Theft losses claims within 3. 6 Any risk with a claim loss resulting from insured s willful or malicious behavior. 7 Risks with homemade wood burning stoves wood burning stoves that are not maintained and any wood. burning stove and or attached venting that does not meet current building codes or wood stoves with. reclaiming heat devices, 8 Units located in or near brush areas forested areas or any area of increased fire hazard native brush. must be cleared 500 feet from premises, 9 Animal Liability coverage is available for liability arising from dogs domestic cats or birds If purchased. coverage for the following dogs and animals is excluded. a Pit Bulls Doberman Pincers Rottweilers German Shepherds Chows Akitas Huskies Malamutes. Bull Mastiffs or Stafford Shire Terriers including any dog that is a mixed breed that which includes. any of the above listed dog breeds or, b Any dog known by breed to be vicious or.
c Any animal with a previous bite history, 10 Risks where business is conducted on premises When a trust is listed as an Additional Interest a. trustee or beneficiary of the trust that conducts or engages in any activities on or related to the insured. location for monetary gain or compensation is unacceptable. 11 A trust as a Named Insured trusts should be listed as an Additional Interest. 12 A trust as an Additional Interest when the Named Insured is not a trustee or beneficiary. CA HO4 MAN Ed 8 1 Page 7, Pacific Specialty Insurance Company. 13 OPTIONAL COVERAGES AND LIMITS, The following optional coverages and limits are available. A Increased Personal Liability, 25 000 each occurrence add 10 00. 50 000 each occurrence add 25 00, 100 000 each occurrence add 45 00.
300 000 each occurrence add 78 00, 500 000 each occurrence add 85 00. B Earthquake Coverage, Frame Stucco 4 00 per 1000 of Coverage. Masonry 10 00 per 1000 of Coverage, 10 Deductible applies. ATTACH Form PO52 Homeowners Earthquake Endorsement. C Policy Deductibles, The following deductible options are available by adjusting the base premium as indicated below. Base Premium, Deductible Adjustment, D Replacement Cost Coverage for Personal Property.
Losses for personal property are settled on an actual cash value basis For an additional charge of 1 00. per thousand in coverage replacement cost without deduction for depreciation is available. ATTACH Form PO5 HO Replacement Cost Coverage for Personal Property. STATE OF CALIFORNIA Underwriting and Rate Guide Renters Program Renters Policy HO 4 Edition 8 1

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