MISSOURI

SECTION 20

HOMEOWNERS

MANDATORY COVERAGES
RULES MANUAL
RULE 20.1A
  DATE: 01-15-2001

RULE 20.1 - SECTION I - PROPERTY COVERAGES

RULE 20.1A - COVERAGE A - DWELLING

1) Premier, Premier Plus and Premier Select

The purpose of this coverage is to protect the insured in the event the dwelling on the residence premises is damaged. It includes coverage for structures attached to the dwelling. It also includes coverage for materials and supplies located on or next to the residence premises used to construct, alter or repair the dwelling or other structures on the premises. This coverage does not apply to the land, including the land on which the dwelling is located.

2) Premier Condominium

The purpose of this coverage is to protect the insured in the event there is damage to the alterations, appliances, fixtures and improvements which are part of the building contained within the residence premises; structures owned by the insured at the location of the residence premises or property which is the insured's insurance responsibility under a property owners agreement.

This coverage does not apply to the land, including the land on which the residence premises, real property or structures are located.

3) Premier Renters

This coverage is not applicable to this policy form.