PERILS INSURED AGAINST: Fire, Lightning, Explosion, Extended Coverage (Windstorm, Hail, Riot, Riot Attending a Strike, Civil Commotion, Aircraft, Vehicles and Smoke), Vandalism and Malicious Mischief, Time Element (Rental Value and Additional Living Expense)

INSURANCE SERVICES OFFICE FORM: DP 00 01 (BASIC FORM)

STANDARD DEDUCTIBLE: $250
OPTIONAL DEDUCTIBLES: $500, $1,000, $2,500
ELIGIBILITY: 1-4 FAMILY DWELLINGS
HOUSEHOLD FURNISHINGS
MINIMUM LIMITS: NONE
MAXIMUM LIMITS:


COVERAGE TYPE ___________

OCCUPIED
___________ 		SUBJECT TO LOSS CONTROL _____________
VACANT OR
UNOCCUPIED _____________
1-4 FAMILY DWELLING $600,000 N/A $100,000
HOUSEHOLD FURNISHINGS
AND ADDITIONAL
LIVING EXPENSE		 $250,000 N/A N/A
RENTAL VALUE
PER LOCATION		 $50,000 N/A N/A


NOTE:
RENTAL VALUE IS NOT AVAILABLE FOR UNOCCUPIED / VACANT BUILDINGS.


MINIMUM PREMIUM: $50.00
LOSS VALUATION METHOD: ACTUAL CASH VALUE
DEPOSIT REQUIREMENTS: HOUSEHOLD FURNISHINGS - $50.00
DWELLING COVERAGE - $75.00 FOR EACH $50,000 OF COVERAGE REQUESTED OR FRACTION THEREOF
RATING FORMULA: LOSS COSTS PUBLISHED BY THE INSURANCE SERVICES OFFICE  (X)  ISO KEY FACTOR  (X) NYPIUA  LOSS COST MULTIPLIER  (X)  NYPIUA ADJUSTMENT FACTOR
LOSS COST MULTIPLIER:
Effective 09/01/06   New Business 
Effective 11/01/06   Renewal
FIRE: 1.846
ALL OTHER LINES: 1.812
NYPIUA ADJUSTMENT FACTOR:
HOUSEHOLD FURNISHINGS: 1.10
OWNER OCCUPIED DWELLINGS: 1.05
NON-OWNER OCCUPIED DWELLINGS: 1.30



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