RULE 05.2 - PROHIBITED LIST
The following risks may not be submitted:
1) Does not have a valid AAA membership (also required for policy renewal).
2) Does not have a valid automobile insurance policy through an Auto Club Enterprises affiliate (including the Automobile Club Inter-Insurance Exchange and Auto Club Family Insurance Company). This is also required for policy renewal.
Exceptions:
This does not apply to Premier Renters policies.
This does not apply to Premier Condominium Owners policies.
This does not apply if the only automobile is a company car that is not owned or leased by a named insured.
This does not apply if the homeowner does not own an automobile.
3) Applicants or risks with any liability claims in the past 3 years are unacceptable. One (1) claim within the last 3 years, caused by nature, fire, theft, water, or any non-liability loss may be submitted if all damage has been repaired. Chargeable claims require a $2,500 deductible. Claims in excess of $10,000 require proof of repair.4) Rooming or boarding houses, on and off campus student housing, including but not limited to dormitory, fraternity and sorority housing.
5) Applicants with more than 2 student roomers.
6) Mobile homes.
7) Risks with serious exterior exposures, such as substandard adjacent property.
8) Applicants who have had past convictions of crimes for the coverage(s) provided, such as arson, fraud, etc.
9) Dwellings constructed with nonconventional building materials such as asbestos, foam, plastics, eifs (synthetic, fake stucco) or with unusual features, including underground structures, dome houses, log houses.
10) Shell homes and/or "Do-it-yourself" construction unless the applicant is a professional craftsman and wiring, heating, etc., are installed by appropriate professionals in compliance with established building codes. In instances involving professional craftsmen, refer to the Underwriting Department prior to binding and indicate the anticipated completion date.
11) Dwellings with non-continuous foundations, unless enclosed to prevent the accumulation of debris under the structure. Piered homes must be less than 3 feet from the ground.
12) Property with outbuildings that are in less-than-average, substandard or unacceptable condition. This would include, but is not limited to, outbuildings in need of repair or maintenance, outbuildings that do not meet Uniform Building Codes, and/or outbuildings that present attractive nuisances. Examples include, but are not limited to, cracks in the walls or foundation, plumbing leaks, loose wiring, deteriorated roof or the presence of combustible waste. Based on the overall risk, these outbuildings could be acceptable with additional policy conditions.
13) Basement dwellings.
14) A primary residence which is vacant or unoccupied.
15) Dwellings rented by the day, weekend, week or month.
16) Seasonal risks as follows:
A. Beach properties.
B. Dwellings used primarily as rooming or boarding houses during the vacation season.
C. Dwellings located in congested resort neighborhoods.
D. Dwellings with serious brush exposures.
E. Dwellings that are not easily accessible, except for periodic heavy snow conditions.
F. Mobile homes.17) Applicants whose premises are in a rundown condition and lack a good repair and maintenance program.
18) Applicants who are unable or unwilling to follow reasonable safety or loss control recommendations.
19) Premises with unusual or hazardous attractions for children including, but not limited to, unguarded excavations, open wells, unprotected swimming pools, trampolines.
20) Persons engaged in any illegal business.
21) Persons convicted of illegal use of narcotics or alcohol.
22) Property where alcoholic beverages are sold.
23) Pets or animals owned or maintained that are of an inherently vicious, aggressive or dangerous nature (i.e., dogs, wolves, lions, bears, alligators, etc.).
24) Dwellings where primary source of heat is a wood stove or space heater. Dwellings must have central heating.
25) Improperly installed supplemental heating units such as, but not limited to, wood stoves, kerosene heaters, etc.
26) Dwellings with unrepaired earthquake damage.
27) Persons requesting Earthquake coverage on dwellings with any of the following characteristics:
A. Dwellings with unrepaired settling damage or prior earthquake damage.
B. Dwellings which rest in whole or in part on piers, pilings or not resting completely on solid ground. This would include structures built on the side of a bluff, hill or mountain.
C. Dwellings of extreme or unusual architectural design.28) Risks that have any of the following characteristics:
A. Abnormal Burglary or Theft Exposure.
1. Lack of adequate locks or other precautions against theft.
2. Frequent or extensive travel or entertainment by the residents of the dwelling.
3. Premier Renters Policies located in high crime areas must meet one of the following:a) All entrances and exits are monitored and controlled by security guards on duty 24 hours a day, or;
b) The building has a central station alarm system that reports directly to an alarm company or to a police station.B. Abnormal Liability Exposure.
1. Broken, sagging or unsupported or unsafe steps or stairs.
2. Poor maintenance of sidewalks, porches and other areas.
3. Porches or decks more than 2 feet off the ground without guard railings.
4. Door openings over 2 feet off the ground without a staircase to the ground or opening to a deck attached to the home.29) Secondary residences where the primary residence is not insured through an ACE affiliate (including the Auto Club Family Insurance Company).
30) Premier Renters Policies must have the recommended amount of smoke detectors for the home or apartment. Deadbolt locks are required on all apartment unit entrances.
31) Single family dwellings that have been converted to apartment units.
32) Any applicants with business activities not specifically identified in the manual.
33) Dwellings which are undergoing extensive remodeling.
34) Farming as a primary occupation. Incidental farming will be considered with prior underwriting approval.
35) Dwellings with less than 100 amp electrical service.36) Dwellings with knob and tube wiring.
37) Two family dwellings where insurance is not inforce for both living units.
38) Dwellings with a slate or tile roof. This does not apply to Premier Renters and Premier Condominium Owners policies.
39) Dwellings with a flat roof over the main dwelling structure. This does not apply when the flat roof is only over the garage, carport, sunroom, etc. This does not apply to Premier Renters and Premier Condominium Owners policies.
40) Dwellings when the second layer of roofing material is composition shingle over a wood roof. This does not apply to Premier Renters and Premier Condominium Owners policies.
41) Dwellings when the second layer of roofing material is wood over a wood roof. This does not apply to Premier Renters and Premier Condominium Owners policies.
42) The following are considered unacceptable property locations.
Commercial Areas:
• One or two family dwellings located in commercially zoned neighborhoods or adjacent to commercial property.
• Residences exposed to a high level of foot traffic (low level businesses include CPA, Law Offices).Adjacent Buildings or Property:
• Residences that are adjacent to property/buildings that present undue fire or explosion hazards.
• Residences that are adjacent to properties/buildings with overgrown trees, shrubs or brush that present undue exposure to fire hazards.
