| MISSOURI | |
| RENTAL DWELLING | |
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RULES
MANUAL | TABLE OF CONTENTS |
| DATE: 05-10-2021 |
| SECTION | RULE | ||
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PROGRAM
BECAME AVAILABLE APRIL 1, 2007
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UNDERWRITING
RULES
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| ELIGIBILITY RULES | 05.1A DWELLING AGE | ||
| 05.1B REPLACEMENT COST/INSURANCE TO VALUE | |||
| 05.1C FIRE PROTECTION CLASSES | |||
| 05.1D OCCUPANCY REQUIREMENTS | |||
| 05.1E ADDITIONAL INSURED | 05.2 | PROHIBITED LIST | |
| 05.3 | CATASTROPHE PROCEDURES | ||
| GENERAL RULES | |||
| 10.1 | HISTORY & PURPOSE OF THE AUTO CLUB FAMILY INSURANCE COMPANY | ||
| 10.2 | GUIDE TO UNDERWRITING | ||
| 10.3 | FAIR CREDIT REPORTING ACT | ||
| 10.4 | INVESTIGATIONS | ||
| 10.5 | POLICY TERM | ||
| 10.6 | MINIMUM PREMIUM | ||
| 10.7 | QUARTERLY PAYMENT PLAN CHARGES | ||
| 10.8 | OTHER INSURANCE | ||
| 10.9 | FEDERAL FLOOD INSURANCE | ||
| 10.10 | TRANSFER OR ASSIGNMENT | ||
| 10.11 | CHANGES ON POLICY | ||
| 10.12 | CANCELLATIONS | ||
| 10.13 | RESETS/REISSUES/REWRITES Effective 09-15-2006 | ||
| 10.13 | RESETS/REISSUES/REWRITES Effective 01-01-2021 | ||
| 10.14 |
INSPECTION OF DWELLING/REQUIRED
PHOTOS |
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| 10.14 | INSPECTION
OF DWELLING/REQUIRED PHOTOS Effective 01-01-2021 |
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| 10.14 | INSPECTION
OF DWELLING/REQUIRED PHOTOS Effective 05-10-2021 |
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| 10.15 | APPLICATION SUBMISSION Effective 09-15-2006 | ||
| 10.15 | APPLICATION SUBMISSION Effective 01-01-2021 | ||
| 10.16 | PREMIUM PAYMENTS | ||
| 10.17 | PAYMENT PLANS | ||
| 10.17A QUARTERLY PAYMENT PLAN | |||
| 10.17B ELECTRONIC FUNDS TRANSFER PLAN | |||
| POLICY FORMS AND ENDORSEMENTS | 15.1 | RENTAL DWELLING POLICY | |
| 15.2 | ENDORSEMENTS | ||
| 15.2A MANDATORY ENDORSEMENTS | |||
| 15.2B OPTIONAL ENDORSEMENTS | |||
| MANDATORY COVERAGES | 20.1 | MANDATORY COVERAGES | |
| GENERAL RATING AND CODING RULES | |||
| 25.1 | CONSTRUCTION TYPE | ||
| 25.1A CONSTRUCTION TYPES - DEFINED | 25.1B CONDOMINIUM/TOWNHOUSE OR ROWHOUSE - DEFINED | ||
| 25.2 | PROPERTY RATE TERRITORIES | ||
| 25.3 | DISCOUNTS/SURCHARGES | 25.3A MULTI-POLICY DISCOUNT | |
| 25.3B PROTECTIVE DEVICE DISCOUNT | 25.3C AGE OF HOME RATING FACTOR | 25.3D ROOF RATING FACTORS | |
| 25.4 | MISCELLANEOUS RATING RULES | ||
| 25.4A SINGLE BUILDING - DEFINED | |||
| 25.4B WAIVER OF PREMIUM | |||
| 25.4C DOLLAR ROUNDING | |||
| BASE PREMIUM | |||
| 30.1 | BASE PREMIUM COMPUTATION | ||
| 30.2 | BASE PREMIUM ADJUSTMENTS | 30.2A DEDUCTIBLES | 30.2B BROAD NAMED PERILS |
| 30.2C ORDINANCE OR LAW COVERAGE | |||
| 30.2D MULTIPLE DWELLING FACTOR | |||
| OPTIONAL LIMITS AND COVERAGES | |||
| 35.1 | COVERAGE B - OTHER STRUCTURES - INCREASED LIMITS | ||
| 35.2 | COVERAGE C - LANDLORD'S FURNISHINGS - INCREASED LIMITS | ||
| 35.3 | COVERAGE E - LANDLORD'S LIABILITY - INCREASED LIMITS | ||
| 35.4 | COVERAGE F - MEDICAL PAYMENTS TO OTHERS - INCREASED LIMITS | ||
| 35.5 | LOSS ASSESSMENT COVERAGE (EXCLUDING EARTHQUAKE) | ||
| 35.6 | WINDSTORM OR HAIL DEDUCTIBLE | ||
| 35.7 | ROOF SURFACES (CO 30 62) | ||
| CALCULATION OF PREMIUM SUMMARY | |||
| 40.1 | CALCULATION OF PREMIUM SUMMARY | ||
| TERRITORY SECTION | |||
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