ARKANSAS

 

HOMEOWNERS

 
RULES MANUAL
TABLE OF CONTENTS
  DATE: 07-15-2021
SECTION
RULE
  
     
05
UNDERWRITING RULES
 
05.1
 ELIGIBILITY RULES
    05.1A DWELLING AGE
    05.1B REPLACEMENT COST/INSURABLE VALUE
    05.1C FIRE PROTECTION CLASSES
    05.1D OCCUPANCY REQUIREMENTS
    05.1E DWELLINGS UNDER CONSTRUCTION
    05.1F ADDITIONAL INSURED EFFECTIVE 10-15-2005
    05.1F ADDITIONAL INSURED EFFECTIVE 04-15-2021
    05.1G MINIMUM LIMITS
    05.1H ADDITIONAL INTERESTS
  05.2 PROHIBITED LIST
  05.3 RESERVED FOR FUTURE USE
  05.4 PROHIBITED LIST - SCHEDULED PERSONAL PROPERTY  
  05.5 CATASTROPHE PROCEDURES
  05.6 RESERVED FOR FUTURE USE
  05.7 INSURANCE SCORE OBSOLETE 06-15-2010 (See Rule 30.2G)
  05.8 EXCLUSION OF DESIGNATED DOG ENDORSEMENT
   
10
GENERAL RULES
  10.1 RESERVED FOR FUTURE USE
  10.2 RESERVED FOR FUTURE USE
  10.3 RESERVED FOR FUTURE USE
  10.4 INVESTIGATIONS
  10.5 RESERVED FOR FUTURE USE
  10.6 RESERVED FOR FUTURE USE
  10.7 RESERVED FOR FUTURE USE
  10.8 POLICY TERM
  10.9 MINIMUM PREMIUM EFFECTIVE 12-15-2000
  10.9 MINIMUM PREMIUM EFFECTIVE 04-15-2021
  10.10 PREMIUM PAYMENTS EFFECTIVE 04-15-2019
  10.10 PREMIUM PAYMENTS EFFECTIVE 04-15-2021
  10.11 PAYMENT PLANS
    10.11A QUARTERLY PAYMENT PLAN
    10.11B ELECTRONIC FUNDS TRANSFER PLAN
  10.12 RESERVED FOR FUTURE USE
  10.13 RESERVED FOR FUTURE USE
  10.14 CHANGES ON POLICY
  10.15 CANCELLATIONS
  10.16 RESERVED FOR FUTURE USE
  10.17 INSURANCE TO VALUE
  10.18 RESERVED FOR FUTURE USE
   
15
POLICY FORMS AND ENDORSEMENTS
  15.1 PREMIER HOMEOWNERS POLICY
  15.2 PREMIER PLUS HOMEOWNERS
  15.3 MISCELLANEOUS POLICY FORMS
    15.3A PREMIER CONDOMINIUM OWNERS POLICY
    15.3B PREMIER RENTERS POLICY
    15.3C PREMIER SELECT POLICY
  15.4 ENDORSEMENTS
    15.4A MANDATORY ENDORSEMENTS
    15.4B OPTIONAL ENDORSEMENTS EFFECTIVE 04-15-2019
    15.4B OPTIONAL ENDORSEMENTS EFFECTIVE 04-15-2021
     
20
MANDATORY COVERAGES
  20.1 SECTION I - PROPERTY COVERAGES
    20.1A COVERAGE A - DWELLING
    20.1B COVERAGE B - OTHER STRUCTURES
    20.1C COVERAGE C - PERSONAL PROPERTY
    20.1D COVERAGE D - LOSS OF USE
    20.1E OTHER COVERAGES
  20.2 SECTION II - LIABILITY COVERAGES
    20.2A COVERAGE E - PERSONAL LIABILITY
    20.2B COVERAGE F - MEDICAL PAYMENTS TO OTHERS
    20.2C ADDITIONAL PAYMENTS
  20.3 LIMITS OF LIABILITY AND COVERAGE RELATIONSHIPS CHART
25
GENERAL RATING AND CODING RULES
  25.1 CONSTRUCTION TYPE
    25.1A CONSTRUCTION TYPES - DEFINED
    25.1B CONDOMINIUM/TOWNHOUSE OR ROWHOUSE - DEFINED
  25.2 PROTECTION CLASSES
  25.3 SUBURBAN RATING
(Will no longer be available as of 01-15-2004)
  25.4 EARTHQUAKE ZONES
  25.5 RATING TERRITORIES
    25.5A PROPERTY RATE TERRITORIES
    25.5B PERSONAL LIABILITY TERRITORIES
  25.6 DISCOUNTS
    25.6A AUTO/HOME DISCOUNT
    25.6B PROTECTIVE DEVICE DISCOUNT
    25.6C AGE OF HOME/MODERNIZATION RATING FACTOR
    25.6D ROOF RATING FACTORS
    25.6E AAA MEMBERSHIP DISCOUNT
    25.6F CLAIM RATING SURCHARGE
    25.6G MATURE POLICYHOLDER DISCOUNT
    25.6H PRIOR INSURANCE DISCOUNT
    25.6I SWIMMING POOL SURCHARGE
  25.7 MISCELLANEOUS RATING RULES
    25.7A SINGLE BUILDING - DEFINED
    25.7B SECONDARY RESIDENCE
    25.7C WAIVER OF PREMIUM
    25.7D DOLLAR ROUNDING
     
30
 BASE PREMIUM
  30.1 BASE PREMIUM COMPUTATION
  30.2 BASE PREMIUM ADJUSTMENTS
    30.2A DEDUCTIBLES
    30.2B ORDINANCE OR LAW COVERAGE
    30.2C TOWNHOUSE FACTOR
    30.2D SPECIAL LOSS SETTLEMENT EFFECTIVE 06-15-2010
    30.2D SPECIAL LOSS SETTLEMENT EFFECTIVE 04-15-2021
    30.2E UNIT-OWNERS COVERAGE C - SPECIAL COVERAGE
    30.2F PREMIER SELECT FACTOR
    30.2G CONSUMER INSURANCE SCORE (CIS)
     
35
OPTIONAL LIMITS AND COVERAGES
  35.1 COVERAGE A - DWELLING
    35.1A BASIC AND INCREASED LIMITS
    35.1B UNIT-OWNERS COVERAGE A - SPECIAL COVERAGE
    35.1C RESIDENCE GLASS COVERAGE
  35.2 COVERAGE B - OTHER STRUCTURES
    35.2A OTHER STRUCTURES - INCREASED LIMITS
    35.2B STRUCTURES RENTED TO OTHERS - RESIDENCE PREMISES
    35.2C SPECIFIC STRUCTURES AWAY FROM THE RESIDENCE PREMISES
  35.3 COVERAGE C - PERSONAL PROPERTY
    35.3A INCREASED LIMITS
    35.3B INCREASED LIMIT ON PERSONAL PROPERTY IN OTHER
    35.3C PERSONAL PROPERTY REPLACEMENT COST           
    35.3D INDIVIDUAL LIMITS OF LIABILITY - INCREASED
      35.3D1 MONEY EFFECTIVE
      35.3D2 SECURITIES
      35.3D3 JEWELRY, WATCHES AND FURS
      35.3D4 FIREARMS
      35.3D5 SILVERWARE, GOLDWARE AND PEWTERWARE
      35.3D6 SCHEDULED PERSONAL PROPERTY
      35.3D7 INCREASED LIMITS ON BUSINESS PROPERTY
      35.3D8 INCREASED LIMITS ON BUSINESS PROPERTY ON OR OFF THE RESIDENCE PREMISES
    35.3E RESIDENCE RENTAL THEFT
    35.3F UNIT-OWNERS RENTAL TO OTHERS
    35.3G RESERVED FOR FUTURE USE
    35.3H EARTHQUAKE COVERAGE EFFECTIVE 04-15-2019
    35.3H EARTHQUAKE COVERAGE EFFECTIVE 04-15-2021
    35.3I SPECIAL COMPUTER COVERAGE
    35.3J REFRIGERATED FOOD SPOILAGE COVERAGE
    35.3K WATER BACK UP AND SUMP OVERFLOW 1
  35.4 COVERAGE D - LOSS OF USE
  35.5 OTHER COVERAGES
    35.5A CREDIT CARD, FUND TRANSFER CARD, FORGERY AND COUNTERFEIT MONEY COVERAGE - INCREASED LIMITS
    35.5B LOSS ASSESSMENT COVERAGE FOR EARTHQUAKE
EFFECTIVE 10-01-2014
    35.5B LOSS ASSESSMENT COVERAGE FOR EARTHQUAKE
EFFECTIVE 04-15-2019
    35.5C LOSS ASSESSMENT COVERAGE (EXCLUDING EARTHQUAKE - RESIDENCE PREMISES)
    35.5D LOSS ASSESSMENT COVERAGE (EXCLUDING EARTHQUAKE -
ADDITIONAL LOCATIONS)
    35.5E IDENTITY FRAUD EXPENSE COVERAGE
    35.5F THEFT COVERAGE - INCREASED LIMIT
  35.6 SECTION I - MISCELLANEOUS
    35.6A WINDSTORM OR HAIL DEDUCTIBLE
    35.6B PERMITTED INCIDENTAL OCCUPANCIES - RESIDENCE
PREMISES
    35.6C OWNED MOTORIZED GOLF CART PHYSICAL LOSS COVERAGE
  35.7 COVERAGE E PERSONAL LIABILITY
    35.7A INCREASED LIMITS - RESIDENCE PREMISES
EFFECTIVE 12-15-2002
    35.7A INCREASED LIMITS - RESIDENCE PREMISES
EFFECTIVE 04-15-2021
   

35.7B INCREASED LIMITS - OTHER EXPOSURES
EFFECTIVE 12-15-2002
    35.7B INCREASED LIMITS - OTHER EXPOSURES
EFFECTIVE 04-15-2021
    35.7C PERSONAL INJURY
    35.7D RESERVED FOR FUTURE USE
  35.8 COVERAGE F - MEDICAL PAYMENTS TO OTHERS
    35.8A INCREASED LIMITS - RESIDENCE PREMISES
    35.8B INCREASED LIMITS - OTHER EXPOSURES
  35.9 SECTION II - MISCELLANEOUS
    35.9A OTHER INSURED LOCATIONS OCCUPIED BY INSURED  
    35.9B STRUCTURES RENTED TO OTHERS - RESIDENCE PREMISES
    35.9C ADDITIONAL RESIDENCE RENTED TO OTHERS
    35.9D RESIDENCE EMPLOYEES
    35.9E BUSINESS PURSUITS
    35.9F INCIDENTAL FARMING PERSONAL LIABILITY
    35.9G PERMITTED INCIDENTAL OCCUPANCIES - RESIDENCE PREMISES
    35.9H PERMITTED INCIDENTAL OCCUPANCIES - OTHER RESIDENCE
    35.9I WATERCRAFT
    35.9J RESERVED FOR FUTURE USE
     
40
 CALCULATION OF PREMIUM
  40.1 CALCULATION OF PREMIUM SUMMARY
  40.2 CALCULATION OF PREMIUM EXAMPLES OBSOLETE
 
45
 MISCELLANEOUS GUIDELINES
  45.1 HISTORY & PURPOSE OF THE AUTO CLUB FAMILY INSURANCE COMPANY
  45.2 GUIDE TO UNDERWRITING
  45.3 FAIR CREDIT REPORTING ACT
  45.4 INSPECTION OF DWELLING/REQUIRED PHOTOS
  45.5 APPLICATION SUBMISSION
  45.6 OTHER INSURANCE
  45.7 TRANSFER OR ASSIGNMENT
  45.8 RESETS/REISSUES/REWRITES
  45.9 FEDERAL FLOOD INSURANCE
   
50
BUILDING COST GUIDE
  50.1 BUILDING COST ESTIMATORS