Transcription
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017KEMPER INDEPENDENCE INSURANCE COMPANYHOMEOWNERSTEXASEffective DatesNew Business: 12/8/2017Renewal Business:Summary of ChangesIntroduction of the Kemper Prime Homeowners PlanIncludes copyrighted material of Insurance Services Office, Inc with its permission.R.09.2
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017Table of ContentsG.01 – General Rules . 7G.02 – Basic Limits of Liability and Coverage Relationships . 8G.03 – Dwelling Occupancy Types . 10G.04 – Protection Classification . 11G.05 – Protective Devices . 12G.06 – Construction Type Definitions . 13G.07 – Single and Separate Buildings Definition. 14G.08 – Loss History . 15G.09 – Residence Held in Trust . 16G.10 – Townhouse or Row House . 17G.11 – Deductibles . 18G.12 – Windstorm or Hail Exclusion . 19P.01 – Standard Policy Procedures . 21P.02 – Additional Interest . 22O.01 – Essentials Level of Coverage . 24O.02 – Enhanced Level of Coverage. 25O.03 – Elite Level of Coverage . 27O.04 – Section II Available Levels of Coverage . 30O.05 – HO 00 03 Policy Features. 31O.06 – HO 00 06 Policy Features. 32O.07 – HO 00 04 Policy Features. 33O.08 – Blanket Property Limit . 34C.01 – Additional Insured . 36C.02 – Additional Residence Rented to Others . 37C.03 – Assisted Living Care Coverage. 38C.04 – Blanket Valuable Items . 39C.05 – Building Additions and Alterations – Increased Limits . 40C.06 – Business Property – Increased Limits. 41C.07 – Business Pursuits . 42C.08 – Credit Card, Electronic Fund Card or Access Device, Forgery and Counterfeit Money . 43C.09 – Earthquake Coverage Limited . 44C.10 – Eco-Upgrade. 45C.11 – Equipment Breakdown Coverage . 46C.12 – Foundation Water Damage Coverage. 47C.13 – Incidental Farming Personal Liability . 48C.14 – Functional Replacement Cost Loss Settlement. 49C.15 – Identity Fraud Expense Coverage . 50C.16 – Landlord’s Furnishings . 51R.09.2
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017C.17 – Limited Water Back-up and Sump Discharge or Overflow Coverage . 52C.18 – Motorized Golf Cart – Physical Loss . 53C.19 – Ordinance or Law Coverage . 54C.20– Other Insured Location Occupied by Insured . 55C.21 – Other Members of a Named Insured’s Household . 56C.22 – Other Structures . 57C.23 – Named Other Structures Exclusion . 58C.24 – Permitted Incidental Occupancies . 59C.25 – Personal Injury . 60C.26 – Personal Property . 61C.27 – Personal Property Replacement Cost Loss Settlement . 62C.28 – Personal Property – Self-Storage Facilities . 63C.29 – Replacement Cost Loss Settlement for Certain Non-Building Structures. 64C.30 – Residence Employees. 65C.31 – Residence Held in Trust . 66C.32 – Scheduled Personal Property . 67C.33 – Special Personal Property Coverage . 68C.34 – Specified Additional Amount of Insurance for Coverage A Limited . 69C.35 – Student Living Away From the Residence Premises . 70C.36 – Supplemental Loss Assessment . 71C.37 – Unit Owners Coverage A Special Coverage. 72C. 38 – Unit Owners Rental to Others . 73C. 39 – Windstorm or Hail Loss Settlement to Roof Surfaces . 74C. 40 – Water Seepage or Leakage Coverage . 75D.01 – Advanced Quote Discount . 77D.02 – Affinity Group Discount . 78D.03 – Home Buyer Discount . 79D.04 – Home Safety Discount . 80D.05 – Loss Mitigation Discount . 81D.06 – Multipolicy Discount . 82D.07 – Paperless Discount. 83D.08 – Roof Covering Discount . 84S.01 – Amendment of Policy Provisions . 86S.02 – Limited Home Day Care Coverage Advisory Notice to Policyholders . 87S.03 – Total Loss Deductible Waiver . 88S.04 – Limited Fungi or Microbes Coverage . 89S.05 – Property Remediation for Escaped Liquid Fuel and Limited Lead and Escaped Liquid Fuel LiabilityCoverages . 90H.01 – Eligibility Criteria . 93H.02 – Classifications . 94R.09.2
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017H.03 – Section I: Property Coverage . 95H.04 – Section II: Business Liability Coverage . 96H.05 – Business Liability Specifications . 97H.06 – Business Income, Extended Business Income and Extra Expense . 98H.07 – Loss Payable Condition . 99H.08 – Valuable Papers and Records Endorsement. 100H.09 – Special Coverage Valuable Papers and Records Endorsement . 101R.01 – Base Rate. 103R.02 – Acquisition Factor . 104R.03 – Age of Home by Age of Roof . 105R.04 –Age of Primary Named Insured Factor . 106R.05 – Billing Factor . 107R.06 – Coverage A Factor . 108R.07 – Deductible Factor . 109R.08 – Coverage A by Deductible Factor. 110R.09 – Coverage A per Square Footage Factor . 111R.10 – Coverage C Factor . 112R.11 – Coverage C by Deductible Factor . 113R.12 – Coverage C per Square Footage Factor . 114R.13 – Coverage E Factor . 115R.14 – Coverage Level Factor . 116R.15 – Tier Factor . 117R.16 – Company Deviation Factor. 118R.17 – Dwelling Style Factor. 119R.18 – Exterior Wall Type Factor. 120R.19 – Fire Protection Factor . 121R.20 – Foundation Factor . 122R.21 – Functional Replacement Cost Loss Settlement Factor . 123R.22 – Loss History Factors . 124R.23 – Number of Bathrooms Factor . 125R.24 – Number of Stories Factor . 126R.25 – Occupancy Type Factor . 127R.26 – Pool Factor . 128R.27 – Public Protection Class Factor. 129R.28 – Punctual Payment Factor . 130R.29 – Roof Material Factor . 131R.30 – Square Footage Factor . 132R.31 – Theft Protection Factor . 133R.32 – Trampoline Factor . 134R.33 – Wildfire Factor . 135R.09.2
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017R.34 – Windstorm or Hail Exclusion Factor. 136R.35 – Windstorm or Hail Loss Settlement to Roof Surfaces Factor . 137R.36 – Wood Burning Stove Factor . 138R.37 – Expense Premium . 139R.38 – Renewal Premium Capping Factor. 140R.39 – Rate Level Adjustment Factor . 142R.09.2
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017General Coverage and Definition RulesR.09.2
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017G.01 – General RulesThe Homeowners Policy Program provides property and liability coverages, using the forms andendorsements specified in this manual. This manual contains the rules and classifications governing thewriting of the Homeowners Policy. The rules, rates, forms and endorsements of the Company for eachcoverage shall govern in all cases not specifically provided for in this manual.The Kemper standard and preferred companies consists of the following companies/agencies:Kemper General AgencyKemper Personal Insurance General AgencyKemper Independence Insurance CompanyTrinity Universal Insurance CompanyUnitrin Auto and Home Insurance CompanyUnitrin Preferred Insurance CompanyUnitrin Safeguard Insurance CompanyValley Property and Casualty Insurance CompanyR.09.2
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017G.02 – Basic Limits of Liability and Coverage RelationshipsThe basic limits of liability required under the Homeowners Policy are as follows:CoverageA – DwellingB – Other StructuresC – Personal PropertyD – Loss of UseCoverageE – Personal LiabilitySection I – Property DamageFormHO 00 03HO 00 04HO 00 06HO 00 03HO 00 03HO 00 04HO 00 06HO 00 03HO 00 04HO 00 06Section II – LiabilityFormHO 00 03, HO 00 04, HO 00 06AmountAmount Selectedn/a20% of Coverage C10% of Coverage A50% of Coverage AAmount SelectedAmount Selected20% of Coverage A20% of Coverage C40% of Coverage CAmount 100,000F – Medical Payments to OthersHO 00 03, HO 00 04, HO 00 06 1,000Unless otherwise stated, Coverage E limits apply on an "occurrence" basis; Coverage F limits apply on an"each person" basis.Coverage A Dwelling Increased LimitsHO 00 06The basic limit may be increased. The premium is developed based upon the additional limit ofinsurance.Coverage B Other Structures Increased LimitsHO 00 03The basic limit may be increased. The premium is developed based upon the additional limit ofinsurance.Coverage C Personal Property Increased LimitsHO 00 03The basic limit may be increased. The premium is developed based upon the additional limit ofinsurance.Coverage D Loss of Use Increased LimitR.09.2
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017HO 00 03, HO 00 04, HO 00 06The basic limit may be increased. The premium is developed based upon the additional limit ofinsurance.Coverage E Personal Liability - Animal LiabilityHO 00 03, HO 00 04, HO 00 06The limit of liability for liability arising out of direct or indirect contact with an animal that is owned by orin the care, custody or control of an insured shall be the lesser of Coverage E or 300,000.Additional coverage limits are not available.Coverage E Personal Liability - Unmanned Aircraft Including Drones and Model or HobbyHO 00 03, HO 00 04, HO 00 06The limit of liability for liability arising out of the ownership or operation of unmanned aircraft, includingdrones and model or hobby aircraft, not used or designed to carry people or cargo under Coverage E, orCoverage E and Coverage F combined, shall be limited to no more than 25,000.Additional coverage limits are not available.Mandatory CoveragesIt is mandatory that insurance be written for all coverages provided under both Sections I and II of theHomeowners Policy.Section II Coverage is not mandatory for a seasonal or secondary residence policy if the same Kemperstandard and preferred companies insures the primary and seasonal or secondary residences.R.09.2
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017G.03 – Dwelling Occupancy TypesPrimaryHO 00 03, HO 00 04, HO 00 06A primary residence is a residence occupied by the insured on a regular and primary basis. No more thanone residence may be classified as primary at any given time.SecondaryHO 00 03, HO 00 04, HO 00 06A secondary residence is any residence not meeting the definition of Primary, Seasonal or Rented toOthers. Homeowners coverage on a secondary residence shall be provided under a separate policy.Section II Coverage is not mandatory for the secondary residence when the Kemper standard andpreferred companies insures both the primary and secondary residences.xxA credit shall apply to the secondary residence policy when Section II Coverage is providedunder the primary residence policy andA charge for Other Insured Location Occupied by Insured is applied to the primary residencepolicy.SeasonalHO 00 03, HO 00 06A seasonal residence is a residence which is continuously unoccupied for three or more consecutivemonths during any one year period. Homeowners coverage on a seasonal residence shall be providedunder a separate policy. Section II Coverage is not mandatory for the seasonal residence when theKemper standard and preferred companies insures both the primary and seasonal residences.xxA credit shall apply to the seasonal residence policy when Section II Coverage is provided underthe primary residence policy andA charge for Other Insured Location Occupied by Insured is applied to the primary residencepolicy.Rented to OthersHO 00 06An individually owned unit within a multiunit structure that is regularly rented or held for rental toothers shall be classified as Rented to Others.R.09.2
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017G.04 – Protection ClassificationThe Protection Class listings in the Public Protection Classification manual apply to risks insured underHomeowners policies. The indicated Protection Class applies in a municipality or classified area where asingle class of fire protection is available throughout.Protection Class is determined by the Texas Department of Insurance, by community.In a classified area where two or more classifications are shown (e.g. 6/6X), the classification isdetermined as follows:Distance to Fire Station5 road miles or less with hydrant within 1,000 feet5 road miles or less with hydrant beyond 1,000 feetOver 5 road miles but within 10 road milesAll other propertiesR.09.2ClassFirst protection class(e.g. 6/6X, use Class 6)X or Y class(e.g. 6/6X, use Class 6X)1010
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017G.05 – Protective DevicesApproved and properly maintained installation of systems or items on the residence premises designedto protect against fire and theft must be properly maintained and in good working order. The Companymust be notified of any changes, including removal, made to the system(s) and/or item(s).These may include the following:xxxxSprinkler (Partial, Full)Fire Alarm (Central, Direct, Local)Guarded Access (Guard on Duty, Limited, Self Enclosed)Theft Alarm (Central, Direct, Local)R.09.2
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017G.06 – Construction Type DefinitionsFrame - Exterior wall of wood or other combustible construction, including wood iron-clad, stucco onwood or plaster on combustible supports.Masonry - Exterior walls constructed of masonry materials such as adobe, brick, concrete, gypsumblock, hollow concrete block, stone, tile or similar materials and floors and roof of combustibleconstruction (Disregarding floors resting directly on the ground).Masonry Veneer - Exterior walls of combustible construction veneered with brick or stone.Mixed (Masonry/Frame) - A combination of both frame and masonry or frame and masonry veneer(brick veneer and/or stone veneer) shall be classed and rated as frame when the exterior walls of frameconstruction (including gables) exceed 33 1/3% of the total exterior wall area; otherwise classed andrated as masonry.Other - Any other construction type not listed above.R.09.2
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017G.07 – Single and Separate Buildings DefinitionThe following shall be considered single buildings:xAll buildings or sections of buildings which are accessible through unprotected openingsThe following shall be considered separate buildings:xxxBuildings which are separated by space;Buildings or sections of buildings which are separated by a 6 inch reinforced concrete or an 8inch masonry party wall which pierces or rises to the underside of the roof and which pierces orextends to the inner-side of the exterior wall; orBuildings or sections of buildings which are separated by a documented minimum two hournoncombustible wall which has been laboratory tested for independent structural integrityunder fire conditions which pierces or rises to the underside of the roof and which pierces orextends to the inner-side of the exterior wall.Accessibility between buildings with independent walls or through masonry party walls as describedshall be protected by at least a Class A Fire Door installed in a masonry wall section.R.09.2
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017G.08 – Loss HistoryA chargeable loss shall be defined as any loss within the experience period for which payment, or totalloss amount, exceeds the applicable threshold of 0 excluding losses attributable solely to weather,appliance related water damage, medical payments or worker’s compensation. The loss amount shallbe determined after application of the insured’s deductible. The experience period shall be the threeyears immediately preceding the new business effective date or preparation date of the renewal.R.09.2
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017G.09 – Residence Held in TrustA Homeowners Policy may be issued to an occupant of a one- or two- family dwelling or a condominiumunit when legal title to the dwelling or unit is held in trust and:xxxOne of the occupants of the dwelling or condominium unit is the grantor/settler of the trust;The residence held in trust is used exclusively for residential purposes, except for permittedbusiness occupancies; andNo trustee of the trust is:o A partnership or joint venture;o A corporation;o A limited liability company;o An organization other than a partnership or joint venture, a corporation or a limitedliability company; oro A licensed professional who provides ongoing professional services with respect to theprofession for which that individual is licensed, in connection with the administration ofthe trust; however, this does not apply to an individual who is a relative of thegrantor/settler of the trust.R.09.2
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017G.10 – Townhouse or Row HouseHO 00 03, HO 00 04, HO 00 06Coverage may be provided for an eligible 1- or 2- family dwelling which is part of a townhouse or rowhouse structure.An eligible 2-family owner-occupied dwelling attached to a 1-family dwelling but not separated by a firewall would be considered 3 individual family units within a fire division. Four 2-family dwellings notseparated by a fire wall would be considered 8 individual family units.R.09.2
KEMPER INDEPENDENCE INSURANE COMPANYDecember 8, 2017G.11 – DeductiblesAll Other Peril DeductiblesAll policies are subject to a deductible that applies to loss from all Section I perils on an occurrence basis.A percentage or fixed dollar deductible may be used. The dollar amount for a percentage deductible isthe percentage of the Coverage A. When a separate deductible amount applies to a certain peril, suchas Windstorm or Hail, the amount and peril shall show separately on the policy Declarations.Attach: All Peril Percentage Deductible EndorsementWindstorm or Hail DeductiblesHO 00 03In conjunction with the deductible applicable to All Other Section I perils, a percentage Windstorm orHail deductible may be used. The dollar amount for a percentage deductible is the percentage
KEMPER INDEPENDENCE INSURANE COMPANY December 8, 2017 R.09.2 KEMPER INDEPENDENCE INSURANCE COMPANY HOMEOWNERS TEXAS Effective Dates New Business: 12/8/2017 Renewal Business: Summary of Changes Introduction of the Kemper Prime Homeowners Plan Includes copyrighted material of Insurance Services Office, Inc with its permission.
