MISSOURI

SECTION 35

HOMEOWNERS

OPTIONAL LIMITS AND COVERAGES
RULES MANUAL
 RULE 35.3D6
  DATE: 03-01-2006

RULE 35.3D6 - SCHEDULED PERSONAL PROPERTY (CO 04 61)

Applies to: Premier - YES, Premier Plus - YES, Premier Select - YES*,
Premier Condo - YES, Premier Renters - YES

Coverage may be provided for scheduled personal property, subject to the Scheduled Personal Property Underwriting Rules. The appropriate Scheduled Personal Property Classes and additional premiums are as follows:

SCHEDULED PERSONAL PROPERTY
# & Class
Premium
1. Jewelry
$1.35 per $100 coverage
2. Furs
$ .60 per $100 coverage
3. Cameras
$1.65 per $100 coverage
4. Musical Instruments
$ .65 per $100 coverage
5. Silverware
$ .35 per $100 coverage
6. Golfing Equipment
$1.20 per $100 coverage
7. Fine Arts**
$ .35 per $100 coverage
**Breakage is Fine Arts Premium (unrounded) multiplied by 1.15
8. Stamps
$ .60 per $100 coverage
9. Coins
$1.60 per $100 coverage
10. Firearms

$1.75 per $100 coverage
11. Collectibles***
$1.00 per $100 coverage

The additional premium is calculated as follows:

1) Determine the limits of coverage for each item to be insured.

2) Assign each item from step 1 into its appropriate class. Total each class.

3) Apply the appropriate premium to each class total.

Fine Arts with breakage is a sub-class of Fine Arts.

A complete description of each item of property to be covered must be indicated on the Scheduled Personal Property Supplement (Form #5261), with receipts or appraisals attached.

Endorsement CO 04 61 Scheduled Personal Property will be attached to the policy.

*This Endorsement is not intended for this program. Exceptions require prior underwriting approval.

***Collectibles have no intrinsic monetary value but derive their value solely from their desirability to collectors, such as sports cards, campaign buttons and similar political memorabilia, comic books and movie posters.