| MISSOURI | |
| HOMEOWNERS | INDEX |
| RULES
MANUAL |
DATE: 04-15-2017 |
|
Section
or Rule No.
|
|
| AAA Membership Discount | |
| Reserved For Future Use | |
| Additional Coverages | |
| -Additional Residence Rented to Others | |
| -Business Pursuits | |
| -Earthquake Coverage Effective 02-15-2014 | |
| -Earthquake Coverage Effective 04-15-2017 | |
| -Golf Cart Physical Loss Coverage | |
| -Home Day Care Coverage Effective 10-15-2005 | |
| -Reserved for Future Use Effective 04-15-2017 | |
| -Incidental Farming Personal Liability | |
| -Loss Assessment - Earthquake Effective 04-15-2015 | |
| -Loss Assessment - Earthquake Effective 04-15-2017 | |
| -Loss Assessment - Additional Locations | |
| -Loss Assessment - Residence Premises | |
| -Other Insured Locations Occupied by Insured | |
| -Permitted Incidental Occupancies Residence Premises | |
| -Permitted Incidental Occupancies Other Residence | |
| -Personal Injury | |
| -Personal Property Replacement Cost | |
| -Residence Employees | |
| -Residence Glass Coverage | |
| -Residence Rental Theft | |
| -Special Computer Coverage | |
| -Specific Structures Away From Residence Premises | |
| -Structures Rented to Others - Residence Premises | |
| -Unit-Owners Coverage A - Special Coverage | |
| -Unit-Owners Coverage C - Special Coverage | |
| -Unit-Owners Rental To Others | |
| -Water Back Up and Sump Overflow | |
| -Waterbed Liability Effective 01-15-2001 | |
| -Reserved for Future Use Effective 04-15-2017 | |
| -Watercraft | |
| Additional Insured | |
| Eligibility | |
| Additional Interests | 05.1H |
| Additional Residence Rented to Others | |
| Age
of Home/Modernization Rating Factor |
|
| Application Submission | |
| Auto/Home Discount | |
| Base Premium Adjustments | |
| Base Premium Computation | |
| Boats (See Watercraft) | |
| Burglar Alarm (See Protection Device Discount) | |
| Business Property - Increased Limits | |
| Business Property On or Off Residence Premises - Increased | |
| Business Pursuits | |
| Calculation of Premium Summary | |
| Cancellations | |
| Catastrophe Procedures | |
| Changes on Policy | |
| Child Care (See Home Day Care Coverages) | |
| Claim Rating Surcharge | |
| Computer Coverages, Special | |
| Condominium - Defined | |
| Construction Type - Defined | |
| Consumer Insurance Score | |
| Co-owner (See Additional Insured) | |
| Counterfeit Money, Credit Card, Fund Transfer Card & Forgery-Increased Limits | |
| Coverages | |
| -Coverage A - Dwelling | |
| -Coverage B - Other Structures | |
| -Coverage C - Personal Property | |
| -Coverage D - Loss of Use | |
| -Coverage E - Personal Liability | |
| -Coverage F - Medical Payments to Others | |
| -Section I - Other Coverages | |
| -Section I - Property Coverages | |
| -Section II - Liability Coverages | |
| -Section II - Additional Payments | |
| Coverages Defined |
20.1-
|
| Optional Endorsements Effective 04-15-2016 | |
| Optional Endorsements Effective 04-15-2017 | |
| Credit Card, Fund Transfer Card, Forgery & Counterfeit Money-Increased Limits | |
| Deductibles Effective 02-15-2014 | |
| Deductibles Effective 04-15-2017 | |
| Discounts E | |
| -AAA Membership | |
| -Auto/Home | |
| -Mature Policyholder | |
| -Prior Insurance | |
| -Protective Device | |
| -Roof Rating Factors | |
| Dollar Rounding | |
| Dwelling Age - Eligibility | |
| Dwellings Under Construction | |
| Earthquake | |
| -Coverage Effective 02-15-2014 | |
| -Coverage Effective 04-15-2017 | |
| -Zones | |
| Electronic Funds Transfer Plan | |
| Eligibility Rules | |
| Eligibility-Scheduled Personal Property | |
| Endorsements | |
| Exclusion of Designated Dog Endorsement | |
| Fair Credit Reporting Act | |
| Federal Flood Insurance | |
| Fire Alarm (See Protection Device Discount) | |
| Firearms-Increased Limits | |
| Fire Protection Classes-Eligibility | |
| Forgery,
Fund Transfer Card, Credit Card & Counterfeit Money-Increased Limits |
|
| Furs, Jewelry & Watches-Increased Limits | |
| Goldware, Silverware & Pewterware-Increased Limits | |
| Golf Cart Physical Loss Coverage | |
| Guide to Underwriting | |
| Home Computers (See Special Computer Coverage) | |
| Home Day Care Coverage Effective 10-01-2015 | |
| Reserved for Future Use Effective 04-15-2017 | |
| Identity Fraud Expense | |
| Incidental Farming Personal Liability | |
| Increased Limits | |
| -Business Property On or Off Residence Premises | |
| -Coverage A-Dwelling | |
| -Coverage B-Other Structures | |
| -Coverage C-Personal Property | |
| -Coverage E-Personal Liability | |
| -Coverage F-Medical Payments to Others | |
|
-Credit Card, Fund Transfer Card, Forgery & Counterfeit Money |
|
| -Loss Assessment-Residence Premises | |
| -Personal Property In Other Residence | |
| -Individual Limits of Liability | |
| -Business Property | |
| -Money | |
| -Personal Property-Scheduled | |
| -Securities | |
| -Silverware, Goldware & Pewterware | |
| -Theft Coverage - Increased Limit | |
| Inspection of Dwelling | |
| Insurance Score | |
| Consumer Insurance Score | |
| Insurance to Value | |
| Investigations | |
| Jewelry, Watches & Furs-Increased Limits | |
| Limits of Liability Chart Effective 07-01-2011 | |
| Limits of Liability Chart Effective 04-15-2017 | |
| Loss Assessment | |
| -Additional Location | |
| -Earthquake Effective 04-15-2015 | |
| -Earthquake Effective 04-15-2017 | |
| -Residence Premises | |
| Reserved For Future Use | |
| Mandatory | |
| -Endorsements | |
| -Coverages |
20.1-
|
| Mature Policyholder Discount | |
| Minimum | |
| -Limits | |
| -Premium | |
| Money -Increased Limits | |
| Occupancy Requirements | |
| Optional Endorsements Effective 04-15-2016 | |
| Optional Endorsements Effective 04-15-2017 | |
| Optional Limits | |
| Ordinance or Law Coverage | |
| Other Insurance | |
| Other Insured Locations Occupied by Insured | |
| Owned Motorized Golf Cart Physical Loss Coverage | |
| Payments Plans | |
| Permitted Incidental Occupancies | |
| -Residence Premises | |
| -Other Residence | |
| Personal Injury | |
| Personal Liability Territories | |
| Personal Property Replacement Cost | |
| Personal Property - Scheduled | |
| Pewterware, Silverware & Goldware-Increased Limits | |
| Photos - Required | |
| Policy Forms | |
| Policy Term | |
| Premium Payments | |
| Prior Insurance Discount | |
| Prohibited List | |
| Prohibited List - Scheduled Personal Property | |
| Property Rate Territories | |
| Protection Classes | |
| Protective Device Discount | |
| Quarterly Payment Plan | |
| Rating Territories (See Territories) | |
| Refrigerated Food Spoilage | |
| Reissues | |
| Replacement Cost | |
| -Eligibility Effective 04-15-2016 | |
| -Eligibility Effective 04-15-2017 | |
| -Personal Property | |
| Required Photos | |
| Resets | |
| Residence Employees | |
| Residence Glass Coverage | |
| Residence Rental Theft | |
| Rewrites | |
| Roof
Rating Factors |
|
| Roof
Surfaces |
|
| Rowhouse - Defined | |
| Scheduled Personal Property | |
| Seasonal Dwellings - Eligibility | |
| Secondary Residence | |
| Securities - Increased Limits | |
| Select Factor | |
| Silverware, Goldware & Pewterware-Increased Limits | |
| Single Building - Defined | |
| Smoke Detectors (See Protection Device Discount) | |
| Special Computer Coverage | |
| Special Loss Settlement | |
| Specific Structures Away From Residence Premises | |
| Structures Rented To Others | |
| -Residence Premises | |
| -Residence Premises | |
| Suburban Rating | |
| Sump Overflow and Water Back Up | |
| Surcharges | |
| Claim Rating Surcharge | |
| Swimming Pool Surcharge | |
| Swimming Pool Surcharge | |
| Theft Coverage Increased Limit | |
| Townhouse - Defined | |
| Townhouse Factor | |
| Transfer or Assignment | |
| Unit-Owners Coverage A - Special Coverage | |
| Unit-Owners Coverage C - Special Coverage | |
| Waiver of Glass Deductible | |
| Waiver of Premium | |
| Watches, Jewelry & Furs - Increased Limits | |
| Water Back Up and Sump Overflow | |
| Waterbed Liability Effective 01-15-2001 | |
| Reserved for Future Use Effective 04-15-2017 | |
| Watercraft | |
| Windstorm or Hail Percentage Deductible Effective 04-15-2015 | |
| Windstorm or Hail Percentage Deductible Effective 04-15-2017 | |
| Reserved For Future Use | |
| Wood Burning Stoves - Eligibility |
| |