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UNITRIN SAFEGUARD INSURANCE COMPANY HOMEOWNERS

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UNITRIN SAFEGUARD INSURANCE COMPANY HOMEOWNERS Powered By Docstoc
					UNITRIN SAFEGUARD
INSURANCE COMPANY

HOMEOWNERS
INSURANCE FOR THE
WAY YOUR
CUSTOMERS LIVE

THEIR HOME IS THEIR BIGGEST INVESTMENT. KEMPER WILL HELP YOUR AGENCY MAKE SURE
IT’S FULLY PROTECTED. WE PROVIDE A NUMBER OF INNOVATIVE OPTIONS SO YOU CAN
DESIGN THE PERFECT COVERAGE TO MEET YOUR CUSTOMER’S NEEDS.


WHAT'S NEW?

           Revised Agency Documentation Retention
           Added Home Administrative Rules
           Revised Discounts Section


EDITION DATE:
New: 12/15/11
Renewal: 12/15/11




    1
                    UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
TABLE OF CONTENTS / RAPID REFERENCE
                  Topic                    Page #                     Topic                   Page #
Underwriting Guidelines:
Guidelines HO 00 03                                  Loss of Use - Increased Limits             32
                                            3-7
Additional Requirements
Binding Authority                             8      Motorized Golf Cart                        33
Agency Documentation Retention                9      Ordinance or Law                           34
Home Administrative Rules                     9      Other Structures                           35
Product Summary                             10-11    Property Coverage Enhancement              36
Description of Coverage HE 00 07             12      Rental to Others Theft Coverage            37
Mandatory Coverage                           12      Replacement Cost Dwelling                  37
Blanket Property Limit                      13-14    Sinkhole Collapse                          38
Homeowners Policy Features                  15-16    Water Back Up                              38
Deductibles:
All Other Perils                            17-18    Specified Add’l Amount Insurance           39
Windstorm or Hail
Windstorm Mitigation Credit                  18      Theft Endorsement                          39
Discounts                                    19      Blanket Valuable Items                   40-41
Additional Insured                           20      Business Property - Increased Limits      42
Additional Interest                          21      Credit Card, Fund Transfer                42
Changes or Cancellation                      21      Identity Fraud                             42
Credit for Existing Insurance                21      Increased Limits - Personal Property       43
                                                     Increased Special Limits - Personal
Construction Definitions                     21                                                 44
                                                     Property
Manual Premium Revision                      21      Refrigerated Property                      45
                                                     Replacement Cost Coverage - Personal
Policy Period                                21                                                 45
                                                     Property
Protection Classifications                   21      Special Computer Coverage                  45
Single Building Definition                   21      Personal Property - Scheduled              46
Seasonal Dwelling                            21      Agreed Value                               46
Secondary Residence                          21      Special Personal Property Coverage         47
                                                     Other Exposures - Personal Liability
Town House or Row House                      22                                                 47
                                                     Increased Limits
Waiver of Premium and Whole Dollar
                                             22      Other Exposures - Medical Payments         48
Premium
Payment Plans and Fees                       23      Other Member of Your House                 48
Additional Options Table                     24      Personal Injury                            48
Building Additions and Alterations HO 04     25      Residence Employees                        48
Debris Removal                               25      Residence Premises                         48
Earthquake                                   26      Student Away from Home                     48
Expanded Enhancement Coverage                27      Water Bed Liability                        48
Extended Enhancement Coverage               28-29    Incidental Farming                         49
HO 00 06 Unit-Owners Coverage A              29      Permitted Incidental Occupancies           50
HO 00 06 Unit-Owners Coverage A
                                             29      Business Pursuits                          50
Increased Limits
                                                     Additional Residence
HO 00 06 Unit-Owners Special Coverage        30                                                 51
                                                     Additional Residence Rented to Others
HO 00 06 Units Regularly Rented to
                                             30      State Specific Amendatory Endorsements     52
Others
Inflation Guard                              31      Territory Assignments                     53
Loss Assessment                              32      Endorsement Index                        54-55




       2
                           UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
UNDERWRITING GUIDELINES
Pricing Level Criteria
        (See additional requirements for territories 070-072, 080-084, 340, 410-412, 450-459, 470-479, 480-
        483, 490-498 and 520-524)
Losses:
   - No Losses are eligible in Price Levels A - D
   - 1 CAT or 1 Weather loss, Price Levels E – Z. Inspections will be performed to assure full repairs have
     been made.
   - 1 non-CAT or 1 non-weather loss, is eligible in Price Levels T – Z. Inspections will be performed to
     assure full repairs have been made.
   - 2 CAT or Weather losses are eligible Price Levels T – Z
   - 2 non-CAT or non-Weather losses are ineligible at any Price Level
   - 3 losses of any type are ineligible at any Price Level
Coverage A Amount (Refer to binding authority)
   -   Dwellings with Coverage A below $100,000 are ineligible at any Price Level
   -   Dwellings with Coverage A $100,000 to $200,000 are eligible in Price Levels T – Z
   -   Dwellings with Coverage A $200,001 to $225,999 are eligible in Price Levels S – Z
   -   Dwellings with Coverage A $226,000 to $250,999 are eligible in Price Levels R – Z
Homes Built Prior to1920:
   - Eligible in Price Levels T - Z with prior underwriting approval.
   - Replacement Cost Dwelling coverage or HE 00 07 policies are not available
   - Minimum deductible $1,000
Homes Built 1920-1940:
   - Price Levels L – Z with proof of required updates to major systems
Seasonal Homes (dwellings unoccupied more than 60 consecutive days):
   -   Eligible in Price Levels T- Z for
   -   Dwellings with Coverage A $100,000 to $200,000
   -   Eligible for HO 00 03 and HO 00 06 policies
   -   Replacement Cost Dwelling or Replacement Cost Contents Coverage is not available
   -   Must be owner occupied with only occasional rental (maximum of four weeks a year)
   -   Must be accessible year round with fire and safety equipment
   -   Dwelling cannot be isolated and at least one other dwelling should have a clear, unobstructed view
Secondary Homes (occupied by owner minimum once every 30 days)
   -   Company must insure the primary dwelling
   -   Must be accessible year round with fire and safety equipment.
   -   Dwelling cannot be isolated and at least one other dwelling should have a clear, unobstructed view.
   -   Eligible for HO 00 03
HO 00 04
   - Coverage C below $25,000 is eligible in Price Level T.
   - Ground floor units must have dead bolt locks on exterior doors.
HO 00 06
   - Coverage C below $50,000 is eligible in Price Level T.




        3
                         UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
UNDERWRITING GUIDELINES (CONTINUED)
Acceptability Criteria
The following apply to all risks at all price levels:

   - Insurance to 100% of replacement cost is required – validated by approved estimator. Annual
     adjustments to value are required.
   - Homes with Coverage A $500,000 or above
               Require minimum $1,000 deductible
               Prior underwriting approval required if Protection Class 9
               Central Station Burglar and Fire Alarm Requirements
                         Dwellings in Protection Class 1-8: – Coverage A over $750,000
                         Dwelling in Protection Class 9: Coverage A over $500,000
   - Maximum of 2 mortgagees (if an individual, must be prior owner or insured’s relative)
   - Minimum $500 deductible for all forms, except where otherwise noted
   - Wood burning stoves must be inspected prior to binding
   - Dwellings manufactured off-site in a factory and assembled on-site may be considered if they meet the
     following criteria:
               Dwelling is secured to a standard foundation on stick-built dwellings. (Foundations or tie
               downs typically found on mobile homes are not acceptable)
               Dwelling construction, such as size of framing, is identical to standard on-site stick-built
               construction
   - Required Updates – All dwellings must have acceptable roof, plumbing, electric, and heat source.
     Homes over 30 years old must have updated roof, plumbing, electric, and heat source:
               Electric – full service to a breaker box with a minimum of 100 amps. The presence of the
               following in any amount is ineligible: fuses, knob & tube wiring, and/or aluminum wiring.
               Heat Source – must have central heat source. Units in service longer than 30 years eligible
               with inspection/documentation of regular cleaning/servicing/replacement of worn parts and
               condition of unit.
               Roof – older than 20 years or tin roofs are ineligible. Flat roofs require resealing within 2
               years.
               Plumbing – cooper or PVC water supply lines. No mixed lead & copper. No galvanized
               plumbing.
   - Owner occupied 1 or 2 family primary dwellings. Applicants that currently own a home and are
     uninsured and dwellings with boarders or roomers on premises are not eligible.




       4
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
UNDERWRITING GUIDELINES (CONTINUED)
Eligibility Criteria
The following are not eligible at any Price Level:

   - Losses involving negligence or carelessness
   - Homes on any Historical Registry
   - Homes with exterior walls constructed of Exterior Insulation and Finish Systems (also known as EIFS,
     Faux Stucco, Synthetic Stucco, or Dryvit) unless built after 2000.
   - Homes with asbestos siding
   - Homes with open foundations, dwelling must be built on continuous foundation
   - Homes under renovation, unoccupied, vacant and/or for sale
   - Unfenced pools
   - Pets characterized by aggressive behavior: This includes but is not limited to the following breeds of
     dogs: Rottweiler, Pit Bull, Akita, American Staffordshire Terrier, Chow, English Bull Terrier, Bull Terrier,
     Doberman Pinscher, Presa Canario, German Shepherd, Siberian Husky, Alaskan Malamute, any Wolf
     hybrid
   - Risks with underground fuel storage tank
   - Trampolines without safety netting and protective padding
   - Individuals subject to high public exposure
   - Dwellings where business is conducted on premises with public traffic or farming/ranching is primary
     source of income
   - Risks with Farm Barns of any type (Risks with livestock must have underwriting approval before
     binding)
   - Mobile Homes, Log Homes, Earth Homes, Trailer Homes, or House Trailers and their contents
   - Dwellings isolated or inaccessible
   - Protection Class 10




       5
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
UNDERWRITING GUIDELINES (CONTINUED)
Eligibility Criteria (Continued)
Form HO 00 03 & HO 00 05:
A Homeowners Policy may be issued:
   - To the owner-occupant(s) of a dwelling which is used exclusively for private residential purposes
     (except for permitted incidental occupancies) and contains not more than 2 families and with not more
     than 2 boarders or roomers per family; or
   - To the purchaser-occupant(s) who has entered into a long term installment contract for the purchase of
     the dwelling and who occupies the dwelling but to whom title does not pass from the seller until all the
     terms of the installment contract have been satisfied. The seller retains title until completion of the
     payments and in no way acts as the mortgagee. The seller’s interest in the building and premises
     liability may be covered by selecting HO 0441 Additional Insured; or
   - To the occupant of a dwelling under a life estate arrangement when the Coverage A amount is at least
     80% of the dwelling’s replacement cost. The owner’s interest in the building and premises liability may
     be covered using endorsement HO 0441 Additional Insured; or
   - To cover dwellings in the course of construction provided the policy is issued only in the name of the
     intended owner-occupant(s) of the dwelling.
   - When a 2 family dwelling is occupied by co-owners, each occupying distinct living quarters with
     separate entrances. Given these circumstances, a Homeowners Policy providing building coverage
     may be issued to only one of the co-owner occupants of the dwelling. The policy may be endorsed to
     cover the interest of the other co-owner(s) in the building and for premises liability. A separate
     Homeowners Policy HO 00 04 may be issued to the co-owner(s) occupying the other apartment in the
     dwelling

Form HO 00 04:
A Homeowners Policy may be issued to:
    - The tenant(s) (non-owner) of a dwelling or an apartment situated in any building; or
    - The owner-occupant(s) of a dwelling, cooperative unit or of a building containing an apartment not
      otherwise eligible for a Homeowners Policy
Provided the residence premises occupied by the insured is used exclusively for residential purposes (except
for Permitted Incidental Occupancies) and is not occupied by more than one additional family or more than 2
boarders or roomers.

Form HO 00 06:
A Homeowners Policy may be issued to the owner(s) of a condominium or cooperative unit which is
used exclusively for residential purposes (except for Permitted Incidental Occupancies), and is not
occupied by more than one additional family or more than two boarders or roomers

Form HE 00 07:
A Homeowners Policy may be issued to:

   - Homeowners enhancement HE 00 07 including endorsements HE 3220, HE 3221, HE 3230, and HE
     3245
   - Uncapped Replacement Cost Dwelling coverage not available, HE 3222 must be added with either
     125% or 150% capped RCD.
   - Minimum all peril deductible $1,000
   - Territories 070-072, 080-084, 340, 410-412, 450-459, 480-483, 490-498, 520-524 are not eligible for
     HE 00 07 policy form
   - May only be written on one family dwellings with a coverage a minimum of $150,000




       6
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
Additional Requirements

Water Back-up
   - Water Back-up may be written on homes without basements.
   - Homes Located on counties wholly or partially East of I-95 or with basements are not eligible
   - Dwellings located in territories 070-072, 080-084, 340, 410-412, 450-459, 480-483, 490-498 and 520-
     524 are not eligible.
Replacement Cost Dwelling Coverage
   - Maximum of 125% Replacement Cost Dwelling Coverage in counties wholly or partially East of I-95
   - Maximum of 150% Replacement Cost Dwelling Coverage in counties West of I-95
Beach and Coastal (Territories 070-072, 080-084, 480-483, 490-498, 520-524)
   - Wind and hail must be excluded (HO 3294); the signed rejection form is required. Prior to binding,
     wind coverage must be written through the NCIUA with the Coverage A amount matching the
     Unitrin Safeguard policy.
   - Annual ITV increases should also be applied to the NCIUA wind policy
   - With wind excluded risks with prior Hurricane loss may be considered provided full repairs completed
     and no evidence of lack of maintenance. Inspections will be performed to assure full repairs have been
     made. No more than one non-catastrophe loss.
   - Homes located within 1 mile of the coast are unacceptable
   - All risks in territories 070-072 and 080-084 require prior underwriting approval
   - Homes with Coverage A $600,000 and over in Coastal territories 480-483, 490-498 and 520-524
     require prior underwriting approval
   - HE 00 07, HO 00 05, Home Business and Water Back-up are not available
   - The all peril deductible must be a minimum of $1,000
   - All risks in these territories Price Levels V – Z
   - The Wind / Hail Deductible minimum is 5% of Coverage A (2.5% of blanket)
Territories 340, 410-412, 450-459 (remaining counties wholly or partially east of I-95)
   - HE 00 07 and HO 00 05, Home Business and Water Back-up are not available
   - All risks in these territories Price Levels S – Z
   - The Wind / Hail Deductible minimum is 5% of Coverage A (2.5% of blanket)
Territory 470-479
   - The Wind / Hail Deductible minimum is 2% of Coverage A applicable to all monoline with AOI less than
     200K and / or Year of Construction less than or equal to 1963
Earthquake Requirements
The following dwelling structures are not eligible for Earthquake Coverage:
   - Constructed of brick, masonry or masonry veneer and over 30 years old. (Coverage for masonry
     veneer dwelling may be provided when the exclusion for exterior masonry veneer is selected)
   - Constructed on pilings, piers or stilts
   - Resting on structurally unstable or filled ground
   - With extreme architectural design
   - With unrepaired settling damage
Package Homeowner Policy with Auto Liability Coverage Ceded to the Reinsurance Facility
(Package refers to an auto and home policy jointly written under the same policy number)
        Eligible in Price Level Z




      7
                      UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
BINDING AUTHORITY

BRUSH, RANGE OR FOREST FIRE
Any dwelling exposed to an announced Brush, Range or Forest Fire, or within the susceptible path of an
existing fire may not be bound.


STORM WATCH OR WARNING
Do not bind, issue or request issuance of policies when a Named Storm watch or warning has been
announced by the Weather Bureau for the area. No new or additional property coverage is to be accepted
after the Weather Bureau has declared a “Named Storm Watch” or other storm warnings that forecast the
probability that an abnormally severe storm will strike the area – until the threat has passed and the warnings
have been withdrawn. During this time deductibles cannot be reduced.

For individual risk binding, please refer to your agency binding authority schedule.




       8
                        UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
AGENCY DOCUMENTATION RETENTION
                               FAX TO            RETAIN
     REQUIREMENT            UNDERWRITING           IN            ACCEPTABLE DOCUMENTATION
                            AND RETAIN IN        AGENCY
                             AGENCY FILE          FILE
   ACORD Application                                X              Completed and signed application
     Square Footage                                 X              Replacement cost calculation and
        Estimator                                                           verification form
      Central Alarm                                  X          Central station alarm proof of purchase
       Certificate                                                           and installation
        Estimator                   X                           Scheduled personal property estimator
         Photo                                       X                      Residency photo
   Updates – Dwellings                               X           Proof of plumbing, electrical, roof and
      over 30 years                                                  heating updated equipment
       Woodstove                                     X            Completed questionnaire and photo
      Questionnaire
    Dog Questionnaire                                X         Completed questionnaire required prior to
                                                                 possible underwriting approval of an
                                                                         unacceptable breed
  Wind Exclusion Form               X                                  Completed and Signed
    Loss Mitigation                 X                                  Completed and Signed

Note: Documentation must be retained as long as the coverage remains in force with the company, plus the
additional statutory requirement for record retention after the policy is non-renewed or cancelled.

All documentation must be made available to the company at the Underwriter’s request.



HOME ADMINISTRATIVE RULES
    The full name of the underwriting company must appear on all applications, binders and similar forms
    that will be used to insure the risk, prior to the time of applicable forms reach the applicant.
    All new business applications and required forms must be fully completed, and signed by applicant and
    producer.
    All required original applications and required forms must be signed by the applicant and retained within
    the issuing agency’s files as is required through your Kemper Agency Security Agreement.
    Binders should never exceed the agent’s 10 day binding authority.
    CLUE, where required, for binding and placement of all new business submissions, rewrites, in-office
    transfers and address changes. All associated loss activity, including any occurrences with $0 paid must
    be properly reported in the application and submission. This includes all loss experience for the Named
    Insured, whether prior activity was on another home. Risks with open claims may not be bound or
    issued without prior underwriting approval.
    For any changes made to a policy prior to the current date, documentation and prior underwriter
    approval is required.




       9
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
PRODUCT SUMMARY
BASIC LIMITS OF LIABILITY AND COVERAGE RELATIONSHIPS
The basic Limits of Liability required under the Homeowners are as follows:

                                  SECTION I - PROPERTY DAMAGE
  COVERAGE               DESCRIPTION                                                       AMOUNT
        A                    Dwelling                                          Selected Coverage A limits should
                                                                              reflect the amount that will allow the
                                                                                customer to rebuild their existing
                                                                                            dwelling.
        B                 Other Structures                HO 00 03                          10% of A
                                                          HO 00 05                          10% of A
                                                          HE 00 07                          10% of A
                                                   1 or 2 Family Dwelling
        C                Personal Property                HO 00 03                          50% of A
                                                          HO 00 05                          50% of A
                                                          HE 00 07                          70% of A
                                                   1 or 2 Family Dwelling
        D                   Loss of Use                   HO 00 03                          20% of A
                                                          HO 00 05                          20% of A
                                                          HE 00 07                          20% of A
                                                         HO 00 04                           20% of C
                                                         HO 00 06                           40% of C
                                          SECTION II - LIABILITY FORM
        E                Personal Liability                                       $100,000 Each Occurrence
        F           Medical Payments to Others                                       $1,000 Each Person




       10
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
DESCRIPTION OF COVERAGE
All Forms except HE 00 07
The policy shall be consulted for exact contract conditions.

      SECTION I COVERAGE – PROPERTY                         HO 00 03 & HO 00 05              HO 00 04 & HO 00 06
                  DAMAGE
                    Fire or Lightning                          Coverage A, B, C & D              Coverage C & D
       Windstorm or Hail, Explosion, Riot or Civil             Coverage A, B, C & D              Coverage C & D
        Commotion, Aircraft, Vehicles or Smoke
            Vandalism or Malicious Mischief                    Coverage A, B, C & D              Coverage C & D
                          Theft                                Coverage A, B, C & D              Coverage C & D
                   Volcanic Eruption                           Coverage A, B, C & D              Coverage C & D
      Falling objects, Weight of ice snow or sleet,            Coverage A, B, C & D              Coverage C & D
 Accidental discharge of water or steam, Sudden and
    accidental tearing apart of a heating system or
 appliance, Freezing, Sudden accidental damage from
                    electrical current
   Additional risks with certain exceptions (Special    Coverage A, B, & D (HO 00 03)                  No
                       Coverage)                       Coverage A, B, C, & D (HO 00 05)
                                      SECTION II COVERAGE - LIABILITY
       COVERAGE E                Covers payment on behalf of any insured for all sums which the insured shall become
    PERSONAL LIABILITY           legally obligated to pay as damages because of bodily injury or property damage
                                 arising out of an insured's premises or personal activities.
        COVERAGE F               Covers medical expenses incurred by persons, other than the insured, who sustain
     MEDICAL PAYMENTS            bodily injury caused by an accident arising out of an insured's premises or personal
         TO OTHERS               activities.




       11
                        UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
DESCRIPTION OF COVERAGE HE 00 07
HE 00 07 Only
The policy shall be consulted for exact contract conditions.

HE 00 07 (Homeowners Enhancement Program)
Special Coverage on Contents
Replacement Cost on Contents
Limit of Liability for Coverage C - Personal Property                                   70% of Coverage A
Ordinance or Law Coverage
Guaranteed Replacement Cost on Buildings
Agreed Value for Scheduled Personal Property
Section I Deductible Waiver for losses that exceed $50,000
Gravemarkers, Special Limit of Liability eliminated
Increased Special Limit of Liability for:
    Money                                                                                      $1,000
    Securities, Accounts, Deeds, etc.                                                          $5,500
    Jewelry, Watches and Furs                                                                  $5,500
    Firearms or Silverware (loss by theft)                                                    $10,000
    Silverware, Goldware and Pewterware                                                       $10,000
Debris Removal (Aggregate for all felled trees)                                               $2,000
Tree, Shrubs and other Plants - per item                                                      $1,000
Fire Department Service Charge                                                                $1,000
Reasonable Expenses Incurred By An Insured (per day)                                            $250
Prohibited Use - Home Evacuation                                                              $1,000
Prejudgment Interest
Refrigerated Property Coverage                                                                $500
Power Interruption Coverage                                                              Coverage C limit
Personal Injury Coverage
Business Pursuits of Minors
Directors & Officers of Not-for-Profit Organizations
Liability Coverage
Watercraft Liability is included for Outboard motors up to 25HP,
Inboard or Inboard-Outdrive motors up to 50HP and
sailboats 26 feet and less.
Water Damage Legal Liability
                                       SECTION II COVERAGE - LIABILITY
          COVERAGE E                   Covers payment on behalf of any insured for all sums which the insured shall
       PERSONAL LIABILITY              become legally obligated to pay as damages because of bodily injury or
                                       property damage arising out of an insured's premises or personal activities.
          COVERAGE F                   Covers medical expenses incurred by persons, other than the insured, who
       MEDICAL PAYMENTS                sustain bodily injury caused by an accident arising out of an insured's
           TO OTHERS                   premises or personal activities.

MANDATORY COVERAGE
It is mandatory that insurance be written for all coverage provided under both Sections I and II of the
Homeowners Policy.
Note: Section II Coverage is not mandatory for the secondary residence policy if the same company insures
the initial and secondary residence.




       12
                        UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
BLANKET PROPERTY LIMIT
Available with HO 00 03, HO 00 04, HO 00 05, HO 00 06 and HE 00 07 PACKAGE PLUS Policies

The Blanket Property Limit provides for a single amount of coverage for covered losses under Coverage A,
B, C and D.

Replacement Cost Contents Coverage is included in a policy with a Blanket Property Limit.

PACKAGE PLUS Blanket Property Limit:
A PACKAGE PLUS policy is written on a Blanket Property Limit basis.

PACKAGE PLUS HO 00 03, HO 00 05, Or HE 00 07 (One Or Two Family Residences):
Reductions to Coverage C may not be made. To determine the Blanket Property Limit for One or Two Family
Residences (HO 00 03):

   Establish appropriate coverage limits for Coverage A, B, C and D taking into account any coverage
   increases the insured may need.
   Add together the coverage limits to determine the Blanket Property Limit. (The Blanket Property Limit
   must be at least 200% of the dwelling replacement cost for a Primary Residence or 170% of the dwelling
   replacement cost for a Secondary Residence.)

Since any increases in Coverage B, C or D must be factored into the Blanket Property Limit; rules regarding
the following coverage increases do not apply:

   Coverage B - Other Structures - Increased Limits - HO 0448
   Coverage C - Personal Property - Increased Limits
   Coverage D - Loss of Use

Attach: HB 00 03 or HB 00 05 or HE 3240 with the HE 00 07: Blanket Property Limit Endorsement


PACKAGE PLUS HO 00 03, HO 00 05, Or HE 00 07 Blanket Property Limit Rates:
Divide the Blanket Property Limit by 2.00 rounded to the nearest $100 and use this as the HO 00 03
Coverage A amount in rating the policy.

PACKAGE PLUS HO 00 04 (Tenants):
To determine the Blanket Property Limit for Tenants (HO 00 04):

   Establish appropriate coverage limits for Coverage C and D taking into account any coverage increases
   the insured may need.
   Add together the coverage limits to determine the Blanket Property Limit. (The Blanket Property Limit
   must be at least 120% of the replacement cost value of the personal property.)

Since any increases in Coverage D must be factored into the Blanket Property Limit, the rule regarding
Coverage D - Loss of Use increased limit does not apply.

The Limit of Liability for Building Additions and Alterations is 8.5% of the Blanket Property Limit. To increase
coverage, see Building Additions And Alterations Increased Limits - HO 00 04.

Attach: HB 00 04: Blanket Property Limit Endorsement




       13
                        UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
PACKAGE PLUS HO 00 04 Blanket Property Limit Rates:
Divide the Blanket Property Limit by 1.20 rounded to the nearest $100 and use this as the Coverage C
amount in rating the policy.


PACKAGE PLUS HO 00 06 (Condominiums):
To determine the Blanket Property Limit for Condominiums (HO 00 06):

   Establish appropriate coverage limits for Coverage A, C and D taking into account any coverage
   increases the insured may need.
   Add together the coverage limits to determine the Blanket Property Limit. (The Blanket Property Limit
   must be at least 160% of the replacement cost value of the personal property.)

Since any increases in Coverage A or D must be factored into the Blanket Property Limit, the rule regarding
Coverage D - Loss of Use increased limit does not apply.

Under HO 00 06, the Section I Perils Insured Against may be broadened for Coverage A to cover additional
risks of loss. (See HO 3234 Unit-Owners Coverage.)

Attach: HB 00 06: Blanket Property Limit Endorsement


PACKAGE PLUS HO 00 06 Blanket Property Limit Rates:
Divide the Blanket Property Limit by 1.60 rounded to the nearest $100 and use this as the Coverage C
amount in rating the policy.




       14
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
HOMEOWNERS POLICY FEATURES
    COVERAGE                   HO 00 03            HO 00 05             PACKAGE PLUS
    FEATURES                 SPECIAL FORM        COMREHENSIVE


Blanket Property Limit              N/A                   N/A                 Included
Covered Peril
       Dwelling                 Special Form        Comprehensive           Special Form
       Contents               50% Named Perils     50% All risks with   Blanket-Named Perils
                                                      Exclusions
Replacement Cost
Coverage
       On Dwelling             Add HO 3220          Add HO 3220            Add HB 3220
      On Contents              Add HO 0490          Add HO 0490              Included
Money                              $200                 $200                    $200
Securities                        $1,500               $1,500                  $1,500
Watercraft                        $1,500               $1,500                  $1,500
Trailers                          $1,500               $1,500                  $1,500
Theft of Jewelry                  $1,500               $1,500                  $5,500
      Per-Item Limit              $1,500               $1,500                  $1,500
Theft of Firearms            10% of Coverage C    10% of Coverage C      4% of Blanket Limit
Theft of Silverware          25% of Coverage C    25% of Coverage C     10% of Blanket Limit
Business Property
      On Premises                  $2,500              $2,500                  $2,500
      Off Premises                  $500                $500                    $500
Tree, Shrub and Plants        5% of Coverage A    5% of Coverage A       5% of Blanket Limit
      Per-Item Limit                $500                $500                   $1,000
Credit Card                         $500                $500                   $5,000
Loss Assessment                    $1,000              $1,000                  $1,000
Fire Department                     $500                $500                    $500
Service Charge
Refrigerated Property           Not Covered          Not Covered                $500
     Subject to $100
        deductible
Lock Replacement                Not Covered          Not Covered               $500
Water Back-up                   Not Covered          Not Covered            Not Covered

Ordinance or Law             10% of Coverage A    10% of Coverage A     12.5% of Blanket Limit
Identity Fraud                  Not Covered          Not Covered              $15,000
Coverage
    Subject to $250
       deductible
Personal Injury                 Not Covered          Not Covered              Covered
Coverage




      15
                         UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
HOMEOWNERS POLICY FEATURES HE 00 07
      COVERAGE                                                   HE 00 07 WITH                 HE 00 07 WITH
                                        HE 00 07
      FEATURES                                                      HE 3220                       HE 3221

Blanket Property Limit                   Available                    Available                      Available
Covered Peril
         Dwelling                     Enhancement                     Expanded                       Extended
         Contents               70% all Risk with Exclusion   70% all Risk with Exclusion   70% all Risk with Exclusion

Replacement Cost
Coverage
       On Dwelling                       Included                     Included                      Included
                                  HE 3222 must be added        HE 3222 must be added         HE 3222 must be added
                                      with 125% cap                with 125% cap                 with 125% cap
        On Contents                      Included                     Included                      Included
Money                                     $1,000                       $1,000                        $1,000
Securities                                $5,500                       $5,500                        $5,500
Watercraft                                $1,500                       $2,500                        $2,500
Trailers                                  $1,500                       $3,500                        $3,500
Theft of Jewelry                          $5,500                       $5,500                        $5,500
       Per-Item Limit                     $1,500                       $1,500                        $1,500
Theft of Firearms                        $10,000                      $10,000                       $10,000
Theft of Silverware                      $10,000                      $10,000                       $10,000
Business Property
        On Premises                       $2,500                       $2,500                        $5,000
        Off Premises                       $500                         $500                         $1,500
Tree, Shrubs, and Plants             5% of Coverage A             5% of Coverage A              5% of Coverage A
       Per-Item Limit                     $1,000                       $1,000                        $1,000
Credit Card                                $500                        $5,000                        $5,000
Loss Assessment                           $1,000                       $1,000                        $5,000
Fire Department Service                   $1,000                       $1,000                        $1,000
Charge
Refrigerated Property                       $500                        $500                          $500
Lock Replacement                        Not Covered                     $500                          $500
Water Back-up                           Not Covered                  Not Covered                    $50,000
Ordinance or Law                  Covered no special limits    Covered no special limits     Covered no special limits
Identity Fraud Coverage            Not Covered Monoline;        Not Covered Monoline;         Not Covered Monoline;
 Subject to $250 deductible      $15,000 w/ HE 00 07 PKG      $15,000 w/ HE 00 07 PKG       $15,000 w/ HE 00 07 PKG
Personal Injury Coverage                 Covered                      Covered                       Covered




        16
                              UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
DEDUCTIBLES
ALL OTHER PERILS DEDUCTIBLES
All Homeowners Policies are subject to a deductible applicable to loss from all Section I perils, except
Earthquake, covered under the policy on an occurrence basis. A separate deductible amount may apply to a
certain peril such as Windstorm or Hail.

Base Deductible: $250*
Optional All Peril Deductibles: $500**, $1,000, $1,500, $2,500, $5,000, $7,500, $10,000, $25,000, or $50,000

*Not available for new business
**Not available in territories 070-072, 080-084, 480-483, 490-498, 520-524

WINDSTORM OR HAIL DEDUCTIBLES
HO 00 03, HO 00 05 & HE 00 07 MONOLINE ONLY
In conjunction with the deductible applicable to All Other Section I perils, a percentage Windstorm or Hail
Deductible may be used. A percentage of 1%, 2% or 5% of the Coverage A limit of liability is available when
the dollar amount of the higher fixed-dollar deductible selected exceeds the amount of the deductible
applicable to All Other Section I Perils. A fixed amount of $1,000, $2,000 and $5,000 are available when the
dollar amount of the higher fixed-dollar deductible selected exceeds the amount of the deductible applicable
to All Other Section I Perils. In the event of a Windstorm loss to covered property, the dollar amount is
deducted from the total of the loss of all coverage. Separately found, on the policy declarations are the
deductible amounts that apply to Windstorm or Hail and All Other Section I Perils. Windstorm or Hail
Deductible options are not available when the HO 3294 Windstorm or Hail Exclusion applies.
Attach: HO 0312: Windstorm Percentage Deductible - Monoline

HB 00 03, HB 00 05 & HE 00 07 PACKAGE PLUS ONLY
In conjunction with the deductible applicable to All Other Section I perils, a percentage Windstorm or Hail
Deductible may be used. A percentage of 0.5%, 1% or 2.5% of the Coverage A limit of liability is available
when the dollar amount of the higher fixed-dollar deductible selected exceeds the amount of the deductible
applicable to All Other Section I Perils. A fixed amount of $1,000, $2,000 and $5,000 are available when the
dollar amount of the higher fixed-dollar deductible selected exceeds the amount of the deductible applicable
to All Other Section I Perils. In the event of a Windstorm loss to covered property, the dollar amount is
deducted from the total of the loss of all coverage. Separately found, on the policy declarations are the
deductible amounts that apply to Windstorm or Hail and All Other Section I Perils. Windstorm or Hail
Deductible options are not available when the HO 3294 Windstorm or Hail Exclusion applies.
Attach: HB 0312: Windstorm Percentage Deductible – PACKAGE PLUS




       17
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
WINDSTORM OR HAIL EXCLUSION
Applicable to Territories 070-072, 080-084, 480-483, 490-498, 520-524 only
The peril of Windstorm or Hail must be excluded if the property is located in an area eligible for such
coverage from North Carolina Underwriting Association and a Windstorm or Hail Rejection Form is secured
and maintained by the company.

When the HO 3294 Windstorm or Hail Exclusion endorsement is attached to the policy, the following will
appear on the declarations page: “This policy does not provide coverage for the peril of Windstorm or Hail.”

Attach: HO 3294: Windstorm or Hail Exclusion



WINDSTORM MITIGATION CREDIT
ALL FORMS EXCEPT HO 00 04 AND HO 00 06
Premium credits shall be made available for insured’s who build, rebuild or retrofit certain residential
dwellings in accordance with the specified standards, to better resist hurricanes and other catastrophic
windstorm events. The provisions of this rule do not apply to condominiums, co-ops or tenant policies,
policies excluding the peril of windstorm or hail, dwellings under construction or mobile homes. To be eligible
for premium credits, features are not required for adjacent structures.

The credit is available in Territories 070-072, 080-084, 480-483, 490-498 or 520-524

                     Mitigation Feature
Total Hip Roof
Opening Protection
Total Hip Roof and Opening Protection
Hurricane Fortified for Safer Living®
Hurricane Fortified for Existing Homes® Bronze Option 1
Hurricane Fortified for Existing Homes® Bronze Option 2
Hurricane Fortified for Existing Homes® Silver Option 1
Hurricane Fortified for Existing Homes® Silver Option 2
Hurricane Fortified for Existing Homes® Gold Option 1
Hurricane Fortified for Existing Homes® Gold Option 2




       18
                         UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
DISCOUNTS
The following discounts are offered in the Homeowners Program
     DISCOUNT AND                                REQUIREMENT                                       % DISCOUNT
   ENDORSEMENT #
      Age of Dwelling          A discount may apply based on the newness of the home.                 Up to 33%
   Credit Rating Variable      A discount may apply based on the Credit Rating Variable                Up to 5%
                               assigned to the policy`
     Customer Loyalty          For policies that have renewed with the company three or more     10 + years: Up to 5%
                               times with no lapses in coverage and are loss free.               5 – 9 years: Up to 3%
                                                                                                   4 years: Up to 2%
                                                                                                   3 years: Up to 1%
         Loss Free             For policies that have been loss free over a three year                  Up to 5%
                               experience period
  Manned Security Credit       Gated Community                                                           5%
        HO 0416
   Mature Homeowner            Insured 55+ and home during the day.                                    Up to 5%

      Network Group            Member to group relationship:                                             5%
                               • Employees or members of a corporation, partnership, credit
                               union, association, or governmental department, unit or
                               agency; or
                               • Who hold mortgages, loan, credit cards, and/or checking or
                               savings accounts at a financial institution; or
                               • Group of individuals in any other organization formed in good
                               faith for purposes other than that of obtaining insurance
     PACKAGE PLUS              When Homeowners is combined with Automobile                             Up to 4%
                               Blanket Property Limit with enhanced coverage
                               (see Features Comparison)
    Protective Devices         Approved and properly maintained installations of burglar              Up to 26%
         HO 0416               alarms, fire alarms, automatic sprinklers and smoke detectors
                               in the dwelling
                               The Smoke detector credit is not applicable if the Residence
                               Safety Package Credit is applied.
                               Type of Installation                                                    Percent
                               Central Station Reporting Burglar Alarm                                   5%
                               Central Station Reporting Fire Alarm                                      5%
                               Central Station Reporting Fire and Burglar Alarms                        10%
                               Police Station Reporting Burglar Alarm                                    3%
                               Fire Department Reporting Fire Alarm                                      3%
                               Police Station Reporting/ Burglar Alarm System AND Fire                   4%
                               Station Reporting/Fire Alarm System
                               Local Burglar and/or Fire Alarm                                            2%
                               Automatic Smoke Detector                                                   1%
                               Automatic Sprinklers in all areas including bathrooms, closets,           13%
                               and attached structures
                               Automatic Sprinklers in all areas except attic, bathroom,                 7%
                               closets, and attached structure areas that are protected by a
                               fire detector
    Residence Safety           Smoke Detectors, Fire Extinguishers and Deadbolt Locks on all             5%
         HO 0416               exterior doors
   Superior Construction       Non-combustible or Fire-resistive constructions                           85%
   Windstorm Mitigation        See Windstorm Mitigation section                                         Varies
          Credit




        19
                            UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
ADDITIONAL INSURED
It is permissible to extend the Homeowners Policy, without additional premium charge, to cover the interest
of a non-occupant joint owner in the building and for premises liability.
Attach: HO 0441: Additional Insured
ADDITIONAL INTEREST
To reflect the financial interest of an additional person or organization in the residence premises
Attach: HO 0410: Additional Interest – Residence Premises
CHANGES OR CANCELLATION
Mandatory coverage cannot be cancelled unless the entire policy is cancelled. If insurance is increased,
cancelled or reduced, the additional return premium shall be computed on a pro rata basis.
CREDIT FOR EXISTING INSURANCE
PACKAGE PLUS ONLY
To determine the credit for existing insurance:
 Develop the applicable full term homeowners premium based on the effective date of the PACKAGE PLUS
 policy.
 Calculate a pro rata factor based on the expiration date of the insured's existing Homeowners policy.
 Multiply the applicable full term homeowners premium by the pro rata factor.
Attach: VK 1116: Existing Insurance
CONSTRUCTION DEFINITIONS
 Frame - exterior wall of wood or other combustible construction, including wood iron-clad, stucco on wood
 or plaster on combustible supports. Aluminum, plastic or vinyl siding over frame.
 Masonry Veneer - exterior walls of combustible construction veneered with brick or stone.
 Masonry - exterior walls constructed of masonry materials such as adobe, brick, concrete, gypsum block,
 hollow concrete brick, stone, tile or similar materials and floors and roof of combustible construction
 (Disregarding floors resting directly on the ground).
 Superior Construction
    Non-Combustible - exterior walls and floors and roof constructed of, and supported by metal, asbestos,
    gypsum, or other non-combustible materials.
    Masonry Non-Combustible - exterior walls constructed of masonry materials (as described in C. above)
    and floors and roof of metal or other non-combustible materials.
    Fire Resistive - exterior walls and floors and roof constructed of masonry or other fire resistive materials.
Note: Mixed (Masonry/Frame) - a combination of both frame and masonry construction shall be classed and
coded as frame when the exterior walls of frame construction (including gables) exceed 33 1/3% of the total
exterior wall area; otherwise class and code as masonry.
MANUAL PREMIUM REVISION
A manual premium revision shall be made in accordance with the following procedures:
  The effective date of such revision shall be announced.
  The revision shall apply to any policy or endorsement in the manner outlined in the announcement of the
  revision.
  Unless otherwise provided at the time of the announcement of the premium revision, the revision shall not
  affect in-force policy forms, endorsements or premiums, until the policy is renewed.
POLICY PERIOD
The policy may be written for a period of one year and may be continued for successive policy periods by
extension certificate based upon the premiums, forms and endorsements then in effect for the company.
The policy may be written for a period of less than three years on a pro rata basis and may be extended for
       20
                        UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
successive policy periods based upon the premiums, forms and endorsements then in effect for the
company.
PROTECTION CLASS CODES
The Protection Class listings in the Community – Mitigation Classification manual apply to risks insured
under Dwelling Fire and Homeowners Policies. The protection class indicated applies in a municipality or
classified area where a single class of fire protection is available throughout (8, 7, 6, etc.) Rural Fire
Protection Districts are areas which have been inspected and for which protection classes are published.

                   DISTANCE TO FIRE STATION                                          CLASS
   Classified area where a single           5 road miles or less                       9S
          classification is 9E         Between 5 and 6 road miles                      9E
 Classified area where two or more          5 road miles or less               First protection class
     classifications are shown         with hydrant within 1,000 feet      (e.g. 6/9 or 9S, use Class 6)
            (e.g. 6/9 or 9S)                5 road miles or less                       9 or 9S
                                            with hydrant beyond
                                                 1,000 feet
                                             Over 5 road miles                          10
 Classified area where two or more          5 road miles or less                 First protection
   classifications are shown and       with hydrant within 1,000 feet        class (e.g. 6/9E, use 6)
  an "E" is designated (e.g. 6/9E)          5 road miles or less                       9S
                                            with hydrant beyond
                                                 1,000 feet
                                       Between 5 and 6 road miles                      9E
                                             Over 6 road miles                         10
                          All other properties                                         10

SINGLE BUILDING DEFINITION
The following will be considered single buildings:
  Buildings, or sections of buildings, accessible through unprotected openings
The following will be considered separate buildings:
  Buildings which are separated by space
  Buildings, or sections of buildings, which are separated by a 6 inch reinforced concrete or an 8 inch
  masonry party wall, which pierces or rises to the underside of the roof and which pierces or extends to the
  inner side of the exterior wall.
  Buildings, or sections of buildings, which are separated by a documented minimum two-hour non-
  combustible wall which has been laboratory tested for independent structural integrity under fire conditions,
  which pierces or rises to the underside of the roof and which pierces or extends to the inner side of the
  exterior wall.
Accessibility between buildings with independent walls or through masonry, party walls described above
shall be protected by at least a Class A Fire Door installed in a masonry wall section.
SEASONAL DWELLING RULE
AVAILABLE FOR HO 00 03 ONLY
A HO 00 03 monoline policy may be issued to cover a Seasonal dwelling
SECONDARY RESIDENCE PREMISES
AVAILABLE FOR HO 00 03 ONLY
The company must insure the primary residence. Homeowners coverage on a secondary residence
premises may be provided under a separate monoline policy. Section II Coverage is not mandatory for the
secondary residence policy when the same company insures the initial and secondary residence.
  A credit will apply to the Secondary Residence policy since Section II coverage is provided under the initial
  residence.
  Add the charge for Other Insured Locations Occupied by Insured to the policy covering the initial residence.


       21
                        UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
TOWN HOUSE OR ROW HOUSE
ALL FORMS EXCEPT HO 00 04 AND HO 00 06
Coverage may be provided for an eligible 1 or 2 family dwelling which is part of a town house or row house.

An eligible two family owner-occupied dwelling attached to a one family dwelling but not separated by a fire
wall would be considered 3 individual family units within a fire division. Four 2 family dwellings not separated
by a fire wall would be considered 8 individual family units.

WAIVER OF PREMIUM
When a policy is endorsed after the inception date, any additional or return premium of $3 or less may be
waived.

WHOLE DOLLAR PREMIUM
Each premium shown on the policy and endorsements will be rounded to the nearest whole dollar. A
premium of fifty cents ($.50) or more will be rounded to the next higher whole dollar. In the event of
cancellation by the company, the return premium may be carried to the next higher whole dollar.




       22
                        UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
PAYMENT PLANS
PAPER BILLING
 One Pay Plan: 100% of premium due on policy effective date
 Quarterly Plan: 25% of premium due on policy effective date; remaining billed quarterly
 Monthly: 1 installment due on policy effective date; remaining billed monthly

CHECKLESS (EFT)
 One Pay Plan: 100% of premium due on policy effective date
 Quarterly Plan: 25% of premium due on policy effective date; remaining withdrawn quarterly
 Monthly: 1 installment due on policy effective date; remaining withdrawn monthly

BILLING FEES
  $3.00 Bill Fee per paper bill produced
  $20.00 Late Fee
  $15.00 Reinstatement Fee
  $25.00 NSF Fee
PACKAGE PLUS BILLING
Unitrin Safeguard can bill the insured for the auto premium and the mortgage company for the home
premium. Premiums for Credit for Existing Coverage are included in the first installment after the coverage
becomes effective.

DOWN PAYMENTS
Down Payments are required:
  1) On every new business policy written in MSIC where the payor is the Insured or Other and none of
      the conditions below exist.
  2) Only on the side of a package policy where the side is a new business policy but the other side
      meets one of the conditions below.

Down Payments are not required:
  1) If the policy is a rewrite, which is defined by the Prior Carrier = Unitrin Safeguard (or one of the
       Unitrin Companies)
  2) If the policy is an approved block transfer
  3) If the policy is an inter-agency transfer
  4) If the policy has a Mortgagee as the Payor for a home monoline policy.
  5) For the side of a policy with a CEC (Credit for Existing Coverage) as long as the CEC effective date
       is 30 days after the processing date.
         a.    A CEC allows an agent to write a package with non concurrent effective dates for auto and
               home




       23
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
ADDITIONAL OPTIONAL AVAILABILITY BY FORM
 HO 00 03 &                               PACKAGE
                                                      HE 00 07
  HO 00 05       HO 00 04    HO 00 06       PLUS                                 COVERAGE
                    X                                                   Building Additions and Alterations
                                                          X                      Debris Removal
      X             X           X             X           X                        Earthquake
      X                                       X                                  Inflation Guard
                                X                                  HO 00 06 Unit-Owners Increased Coverage A
                                X                                    HO 00 06 Unit-Owners Rental to Others
      X             X           X             X           X                     Loss Assessment
      X             X           X             X           X                     Ordinance or Law
      X                                                   X            Other Structures – Increased Limits
      X                                       X           X            Other Structures – Rented to Others
      X             X           X             X           X              Other Structures Off Premises
      X             X            X            X           X                  Rental to Others - Theft
 HO 00 03 Only              w/o HO 3235
      X                                       X        Included            Replacement Cost Dwelling
      X                                       X           X                    Sinkhole Collapse
      X             X           X             X           X                      Water Back-up

      X             X           X             X           X                  Blanket Valuable Items
      X             X           X             X           X                        Collectibles
      X             X           X             X         $2,500         Business Property – Increased Limit
                                                       Included
      X             X           X           $5,000       $500           Credit Card, Fund Transfer Card
                                           Included    Included
      X             X           X          $15,000     $15,000                    Identity Fraud
                                           Included   w/ Package
      X             X           X          Included    Included       Replacement Cost Personal Property
      X             X           X             X           X               Scheduled Personal Property
      X             X           X             X        Included          Scheduled Personal Property –
                                                                                Agreed Value
      X             X           X             X           X           Personal Property – Other Residences
      X             X           X             X           X                 Increased Special Limits
                                                                               Personal Property
      X             X           X          Included    Included               Refrigerated Property
       X            X            X            X           X               Special Computer Coverage
 Ho 00 03 Only              w/o HO 3235
       X                         X            X        Included            Special Personal Property
      X             X           X             X           X              Additional Residence - Liability
      X             X           X             X           X                  Additional Residence
                                                                           Rented to Others - Liability
      X             X           X             X           X                Business Pursuits - Liability
      X             X           X             X           X                    Incidental Farming
      X             X           X             X           X             Permitted Incidental Occupancies
      X             X           X          Included    Included                  Personal Injury
      X             X           X             X           X                  Residence Employees




          24
                        UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
BUILDING ADDITIONS AND ALTERATIONS
INCREASED LIMITS - FORM HO 00 04
The limit of liability of 10% of Coverage C (8.5% of the Blanket Property Limit for PACKAGE PLUS ) may be
increased.

Attach: HO 0451: Building Additions and Alterations Increased Limits


DEBRIS REMOVAL – BROADENED TREE REMOVAL
Available with HE 00 07 ONLY
Coverage up to $2,000 will be provided to remove fallen trees from the residence premises felled; by any
peril insured against; without having to damage a covered structure on the residence. No more than $1,000
of this limit may be used for the removal of any one tree.

Attach: HE 3230: Debris Removal - Broadened Tree Removal




       25
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
EARTHQUAKE COVERAGE
The policy may be endorsed to provide coverage against a loss resulting from the peril of Earthquake. This
peril applies to all Section I Coverage for the same limits provided in the policy. The writing of new coverage
or increases in existing coverage is prohibited for a period of 30 days following an earthquake of 4.0 or
greater on the Richter scale or a volcanic eruption. This would apply within a 50 mile radius of the epicenter
of the earthquake.

EARTHQUAKE COVERAGE RATING:
The Earthquake coverage applies to:
   Coverage A limit for Form HO 00 03, HO 00 05, or HE 00 07 or the Coverage A rating limit for PACKAGE
   PLUS (One or Two Family Residences) after any adjustments have been made, if applicable
   Coverage C limit for Form HO 00 04 or the Coverage C rating limit for PACKAGE PLUS (Tenants)
   Coverage A and C limits for Form HO 00 06 or the Coverage A and C rating limits for PACKAGE PLUS
   (Condominiums)
   Coverage C and D increased limits
   Ordinance or Law total amount of insurance (if increased amounts of coverage are requested)
   Other Building or Structure options (e.g. Other Structures HO 0440, HO 0448 and HO 0492; Building
   Additions and Alterations HO 0451)

For HO 00 03, HO 00 05 and HO 00 06:
If Exterior Masonry Veneer is covered – rate as Masonry. If Exterior Masonry Veneer is not covered – rate
as Frame. Make appropriate declaration on endorsement

For HO 00 04:
The construction type chosen for the dwelling must equal the construction type chosen for earthquake
coverage
EARTHQUAKE COVERAGE DEDUCTIBLES
The base deductible is 5% of the limit of liability for either Coverage A or C, whichever is greater and is
subject to a $250 minimum. This deductible may be increased for a premium credit. In the event of an
Earthquake loss to covered property, the dollar amount is deducted from the total of the loss for Coverage A,
B and C.

Attach: HO 0454: Earthquake - Monoline
        HB 0454: Earthquake - PACKAGE PLUS
ZONE DEFINITIONS
    ZONE                                                 COUNTIES
      3          Arson, Brunswick, Cabarrus, Catawba, Cleveland, Columbus, Davie,
                 Gaston, Iredell, Lincoln, Mecklenburg, Montgomery, Richmond, Robeson,
                                               Rowan, Scotland, Stanly, Union
       4         Alexander, Alleghany, Ashe, Avery, Bladen, Buncombe, Burke, Caldwell,
                 Cherokee, Clay, Cumberland, Davidson, Forsyth, Graham, Haywood, Henderson,
                 Hoke, Jackson, Macon, Madison, McDowell, Mitchell, Moore, New Hanover,
                 Pender, Polk, Randolph, Rutherford, Surry, Swain, Transylvania, Watauga, Wilkes,
                                                      Yadkin, Yancey
       5                                            Remainder of State

LOSS ASSESSMENT
The policy may be endorsed to cover loss assessment resulting from loss by this peril. The limit of liability
will be based on the insured's proportionate interest in the total value of all collectively owned buildings and
structures of the corporation or association of property owners.
Attach: HO 0436: Loss Assessment for Earthquake


       26
                        UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
EXPANDED ENHANCEMENT COVERAGE
Available With HE 00 07 Only
The Expanded Enhancement Coverage Endorsement may not be used in conjunction with the HE 3221
Extended Enhancement Coverage Endorsement. The following coverage is included in the Expanded
Enhancement Coverage Endorsement:

 Coverage B - Other Structures             The limit of liability is increased from 10% of Coverage A to 20%
        Increased Limit
  Personal Property at Other               The limit is revised from "the greater of 10% of Coverage C or
  Residence Increased Limit                $1,000" to "the greater of 10% of Coverage C or $10,000".
     Section I - Watercraft                The special limit of liability is increased from $1,000 to $2,500.
   Increased Special Limit of
             Liability
     Trailers (not used with               The special limit of liability is increased from $1,000 to $3,500.
 Watercraft) Increased Special
        Limit of Liability
  Credit Card, Fund Transfer               The limit of liability for Section l is increased from $500 to $5,000.
 Card, Forgery and Counterfeit
     Money Increased Limit
    Damage To Property Of                  The $1,000 limit is increased to $1,500.
     Others Increased Limit
                                           The time-line for coverage to property while being removed from
       Property Removed                    a premises endangered by a peril insured against is increased
                                           from thirty (30) days to ninety (90) days.
   Personal Property at a New              The time-line is increased from thirty (30) days to sixty (60) days.
   Residence Increased Limit
                                      This coverage is added to provide a single maximum limit of
   Property In-Vault Coverage         liability of $50,000 for loss to or theft of Silverware, Jewelry and/or
                                      Securities in any one occurrence when such property is in a safe
                                      deposit box stored in a vault.
                                      This coverage is added and provides up to $500 to replace the
        Lock Replacement              exterior locks of the insured's residence if the insured's keys are
                                      stolen.
    Outboard Motor Watercraft         The owned outboard motor threshold is increased from 25
             Liability                Horsepower to 50 or less Horsepower.
Attach: HE 3220: Expanded Enhancement Coverage Endorsement




       27
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
EXTENDED ENHANCEMENT COVERAGE
Available With HE 00 07 Only
The Extended Enhancement Coverage Endorsement may not be used in conjunction with the HE 3220
Expanded Enhancement Coverage Endorsement. The following coverage is included in the Extended
Enhancement Coverage Endorsement:

    Coverage B - Other                The limit of liability is increased from 10% of Coverage A to 20%.
 Structures Increased Limit
 Personal Property at Other           The limit is revised from “the greater of 10% of Coverage C or $1,000"
 Residence Increased Limit            to "the greater of 10% of Coverage C or $10,000".
 Business Property On The             The special limit of liability is increased from $2,500 to $5,000.
    Residence Premises
 Increased Limit of Liability
 Business Property Off The            The special limit of liability is increased from $250 to $1,500.
    Residence Premises
 Increased Limit of Liability
   Section I - Watercraft             The special Limit of liability is increased from $1,000 to $2,500.
 Increased Special Limit of
           Liability
  Trailers (Not Used With             The special limit of liability is increased from $1,000 to $3,500.
   Watercraft) Increased
  Special Limit of Liability
     Credit Card, Fund                The limit of liability is increased from $500 to $5,000.
    Transfer Card, Etc. -
      Increased Limit
  Damage To Property of               The $1,000 limit is increased to $1,500.
   Others Increased Limit
                                      The time-line for coverage to property while being removed from a
     Property Removed                 premises endangered by a peril insured against is increased from
                                      thirty (30) days to ninety (90) days.
  Personal Property at a              The time-line is increased from thirty (30) days to sixty (60) days.
 New Residence Increased
          Limit
                                      This coverage is added to provide a single maximum limit of liability of
      Property In-Vault               $50,000 for loss to or theft of Silverware, Jewelry and/or Securities in
         Coverage                     any one occurrence when such property is in a safe deposit box
                                      stored in a vault.
                                      This coverage is added and provides up to $500 to replace the
     Lock Replacement
                                      exterior locks of the insured's residence if the insured's keys are
         Coverage
                                      stolen.
 Outboard Motor Watercraft            The owned outboard motor threshold is increased from 25
          Liability                   Horsepower to 50 or less Horsepower.
    Loss Assessment -                 The basic limit of liability is increased from $1,000 to $5,000.
  Sections I & II Increased
           Limits
                                      This new coverage provides up to $10,000 of additional insurance to
      Land Coverage                   replace, stabilize or rebuild the land necessary to support the insured
                                      dwelling or structures.
                                      Coverage is provided for loss to computer hardware and software
                                      used for business purposes within the Business Property limits
    Computer Coverage                 afforded under this endorsement; $5,000 on-premises coverage and
                                      $1,000 off-premises coverage. Coverage is also available for up to

       28
                          UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
                                  $5,000 when the computer hardware and/or software are away from
                                  the residence premises for repair, servicing or temporary use.
      Business Custom             Business custom software and recreation of business records are
          Software                covered within the limits available for retail software, i.e. up to $1,000.
                                  This added coverage provides a maximum amount of recovery of
        Water Back-Up             $50,000 for damage to property caused by water which backs up
    of Sewers and Drains          through sewers or drains, or which overflows from a sump, and which
                                  is not caused by the negligence of any insured.
                                  This new coverage provides a Loss of Use extension providing up to
      Primary Mortgage
                                  twelve (12) months of the monthly mortgage payment (amount at the
          Expense
                                  time of loss) after the dwelling is made not fit to live in.
                                  This new coverage provides up to $2,500 for information leading to a
      Reward Payment              conviction of a person(s) committing a crime resulting in loss to
                                  covered property, and up to $5,000 for the return of stolen property.
                                  This new coverage provides a $3,000 aggregate limit - a maximum
   Witness Reimbursement          limit of $250 a day for lost wages and $50 a day for expenses - for the
          Expense                 insureds appearance at hearings or trials to prosecute person(s) for a
                                  crime against an insured's covered property.
Attach: HE 3221: Extended Enhancement Coverage Endorsement




       29
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
FORM HO 00 06 COVERAGE A
The policy automatically provides a basic Coverage A limit of $1,000 on a named perils basis. If increased
limits are not desired, enter “$1,000” under Coverage A – Dwelling on the Declarations pages. The basic
limit may be increased.

Attach: HO 3234: Unit-Owners Coverage


FORM HO 00 06 COVERAGE A INCREASED LIMITS
This rule does not apply to PACKAGE PLUS policy. If additional Coverage A is needed, increase the
Blanket Property Limit. The premium for increased limits is developed based on the additional limit of
insurance.


FORM HO 00 06 COVERAGE A SPECIAL COVERAGE
The Section I Perils Insured Against may be broadened to cover additional risks of loss.


FORM HO 00 06 UNITS REGULARLY RENTED TO OTHERS
Not Applicable to PACKAGE PLUS
There is no coverage for Coverage C - Personal Property and Section II Liability when the residence
premises is regularly rented or held for rental to others. The policy may be endorsed, however, to provide
such coverage, including theft. The Coverage C minimum limit of liability may be waived when the value of
the insured's personal property in the rented unit is less than $6,000.

Attach: HO 1733: Unit-Owners Rental to Others

MODIFIED OTHER INSURANCE AND SERVICE AGREEMENT CONDITION
HO 00 06 ONLY
Provides coverage which allows the unit-owner to recover for a covered loss, on an excess basis, if the
association does not recover for a covered loss under its policy.

Attach: HO 1734: Modified Other Insurance and Service Agreement Condition




       30
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
INFLATION GUARD

ALL FORMS EXCEPT HE 00 07, HO 00 04 AND HO 00 06
INFLATION GUARD - INCREASED LIMITS
The policy may be endorsed to provide annual increases of the Section I limits of liability as selected by the
insured.

Attach: HO 0446: Inflation Guard - Monoline or
        HB 0446: Inflation Guard - PACKAGE PLUS HO 00 03 or HO 00 05




       31
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
LOSS ASSESSMENT COVERAGE
RESIDENCE PREMISES
The policy automatically provides, at no additional charge, $1,000 ($5,000 on HE 00 07 or HE 3221) of loss
assessment coverage, excluding Earthquake, for assessments relating to the residence premises. This limit
may be increased for an additional premium.

Attach: HO 0435: Loss Assessment Coverage

ADDITIONAL LOCATIONS
The policy may be endorsed to provide loss assessment coverage pertaining to up to two additional
locations. No more than 2 locations can be written in addition to the residence premises. Endorsement HO
0435 does not cover loss to property under Section I caused by Earthquake.

Attach: HO 0435: Loss Assessment Coverage


LOSS OF USE - INCREASED LIMIT
Not Applicable to PACKAGE PLUS (The total limit for Coverage D should be included in the Blanket Property
Limit).




       32
                      UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
MOTORIZED GOLF CART – PHYSICAL LOSS COVERAGE
The policy can be endorsed to provide physical damage coverage for an owned motorized golf cart, not
licensed or required to be licensed for road use, on an open perils basis. A $500 deductible will apply
separately to each scheduled cart damaged and non-permanently installed accessories, equipment or parts
that are in an insured’s residence and not in or on a cart at the time of loss. Loss will be settled at actual
cash value at the time of loss not to exceed $10,000.

Attach: HO 0528 Owned Motorized Golf Cart - Physical Loss Coverage




       33
                        UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
ORDINANCE OR LAW COVERAGE
Included with HE 00 07
The policy automatically provides up to 10% of the Coverage A limit of liability (or for Form HO 00 04, the
Building Additions and Alterations limit) to pay for the increased costs necessary to comply with the
enforcement of an ordinance or law. For a PACKAGE PLUS HO 00 03 or HO 00 05, coverage is provided
up to 12.5% of the Blanket Property Limit; 1% of the Blanket Property Limit for a PACKAGE PLUS HO 00 04
(Tenants) policy and 2% of the Blanket Property Limit for a PACKAGE PLUS HO 00 06 (condominium)
policy.

ORDINANCE OR LAW COVERAGE - INCREASED LIMITS
The policy may be endorsed to increase the basic ordinance or law coverage amount to accommodate the
increased costs known or estimated by the insured for materials and labor to repair or replace the damaged
property and to demolish the undamaged portion of damaged property and clear the site of resulting debris
according to the ordinance or law.


HO 00 04 AND HO 00 06 - INCREASED LIMITS
The basic amount of coverage may be initially increased to 100% of the HO 00 04 Building Additions and
Alterations limit or 50% of the HO 00 06 Coverage A limit. This amount may be further increased in 25%
increments above those listed above.


Attach: HO 0477: Ordinance or Law Coverage - Increased Amount of Coverage – Monoline HO 00 03, HO
                 00 05, HO 00 04 and HO 00 06
        HB 0477: Ordinance or Law Coverage – Increased Amount of Coverage – PACKAGE PLUS




       34
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
OTHER STRUCTURES
NOT AVAILABLE WITH HO 00 04 OR HO 00 06
Increased Limits
The limit of liability is increased to 20% of Coverage A on the HE 00 07 with HE 3220 or HE 3221

This rule does not apply for PACKAGE PLUS. The total limit for Coverage B should be included in the
Blanket Property Limit.

Attach: HO 0448: Other Structures

RENTED TO OTHERS - RESIDENCE PREMISES
The policy may be endorsed to provide Section I and Section II coverage when a structure on the residence
premises is rented to others for dwelling purposes.

Attach: HO 0440 Structures Rented to Others - Residence Premises

OFF-PREMISES STRUCTURES
Under Form HO 00 03 or HO 00 05, the policy automatically provides Coverage B - Other Structures at 10%
of Coverage A on a blanket basis to structures located on the residence premises. This blanket coverage
may be endorsed to expand coverage to include structures located away from the residence premises if
used in connection with the residence premises.

Under All Forms, coverage may also be provided to a specific structure located away from the residence
premises.

Attach: HO 0491: Coverage B - Off Premises – Monoline or
        HO 0492: Specific Structures Away From Residence Premises – Monoline or PACKAGE PLUS




       35
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
PROPERTY COVERAGE ENHANCEMENT
Available With HE 00 07 Only
The following coverage is included in the Property Coverage Enhancement Coverage Endorsement:

     Witness Expense               Expenses up to $50 a day or loss of wages up to $100 per day will be
     Reimbursement                 paid to appear at a trial as a prosecution witness.
                                   A maximum of $600 applies.
     Accidental Death              $1,000 will be paid in the event of accidental death to the insured
        Coverage
                            Up to $250 will be paid for the reasonable and necessary expenses for:
                                   telephone
    Personal Records               transportation, including meals and lodging if necessary
                                   postage
                                   loss of wages up to $50 a day
                                   other similar extraordinary expenses
  Cost of Preparing Proof          Up to $250 will be paid for the reasonable expenses incurred for
         of a Loss                 outside services

Attach: HE 3245: Property Coverage Enhancement Endorsement




      36
                        UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
RENTAL TO OTHERS - THEFT COVERAGE
NOT AVAILABLE ON HO 00 05 & HO 00 06 WITH HO 3235
The policy may be endorsed to cover loss by theft while the portion of the residence premises usually
occupied by the insured is occasionally rented in whole or in part to others, or while there is rental to a
roomer or boarder.

Attach: HO 0541: Extended Theft Coverage For Residence Premises Occasionally Rented to Others


REPLACEMENT COST DWELLING COVERAGE – HO 00 03 & HO 00 05
Included in HE 00 07
The policy provides loss settlement for buildings insured under Coverage A or B on a replacement cost basis
without deduction for depreciation, if, at the time of loss, the amount of insurance on the damaged building Is
80% or more of the Replacement Cost of the building immediately before the loss.
       The policy may be endorsed to provide an additional amount of insurance equal to 25% (for territories
       east of I-95) or 50% (for territories west of I-95) of the Coverage A limit of liability when loss, to the
       dwelling building, exceeds the limit of liability shown in the policy declarations.
       The additional amount cannot be applied to any other coverage nor does it increase the Coverage A
       limit
       The Coverage A limit of liability will be at least 100% of the full replacement cost of the dwelling
       building at policy inception or at the time the endorsement is added to the policy

The following risks are not eligible for Replacement Cost Dwelling Coverage:
   Dwellings not insured to 100% replacement cost
   Seasonal Dwellings
   Dwellings built before 1920

Attach: HO 3220: Specified Additional Amounts of Insurance for Coverage A – Monoline HO 00 03 or HO
                 00 05
        HB 3220: Replacement or Repair Cost Protection Coverage A Dwelling – PACKAGE PLUS
                 HO 00 03 or HO 00 05




       37
                        UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
SINKHOLE COLLAPSE COVERAGE
ALL FORMS EXCEPT HO 00 04 AND HO 00 06
The policy may be endorsed to provide sinkhole collapse coverage.

Attach: HO 0499: Sinkhole Collapse


WATER BACK UP COVERAGE
Not available in territories 070-072, 080-084, 340, 410-412, 450-457, 480-483, 490-498, 520-524
Coverage may be provided, up to the policy limit of liability, for loss by water which backs up through sewers
or drains, or overflows from a sump. Coverage up to $50,000 is provided in the HE 00 07 with the HE 3221.

Note: The maximum limit of liability payable under the HB 0484 Water Back Up and Sump Overflow for the
PACKAGE PLUS policy is:
      HO 00 04: 83% of the Blanket Property Limit
      HO 00 06: 62% of the Blanket Property Limit
      All forms except HO 00 04 and HO 00 06: 50% of the Blanket Property Limit

Attach: HO 0484: Water Back Up and Sump Overflow – Monoline or
        HB 0484: Water Back Up and Sump Overflow – PACKAGE PLUS

*Water Backup is not available with forms HO 0484 and HB 0484 on the HE 00 007 policy form.




       38
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
SPECIFIED ADDITIONAL AMOUNT OF INSURANCE COVERAGE A
AVAILABLE WITH HE 00 07 ONLY
The HE 00 07 policy may be endorsed to provide a limitation on the replacement cost loss settlement
provision. This endorsement is designed to provide a replacement cost limit of 125% of Coverage A –
Dwelling including the increased costs incurred due to the enforcement of any ordinance or law.

Attach: HE 3222: Specified Additional Amount of Insurance for Coverage A – Dwelling


THEFT ENDORSEMENT – NEWLY CONSTRUCTED UNOCCUPIED
DWELLING
     The policy may be endorsed to provide for coverage of loss caused by theft in or to a newly constructed
     dwelling which has been finished but not yet occupied.
     Coverage terminates 120 days after the inception date of this endorsement or when the dwelling is
     occupied, whichever occurs first.
     No part of the premium paid for this coverage is refundable if cancelled by the insured.

Attach: HO 3226: Theft Endorsement - Newly Constructed Unoccupied Dwelling




       39
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
BLANKET VALUABLE ITEMS
The classes of valuable items listed below are covered under a blanket coverage basis. The items are
insured against risk of direct loss only if the loss is a physical loss to property.

No deductible applies to this coverage, except if a loss under this coverage is also covered under Coverage
C of this policy, such Coverage C insurance shall be excess and the Section I deductible shall apply to the
excess coverage. A minimum coverage amount of $1,000, with a minimum premium of $10 applies.

The following property classes have a per item limit of $10,000 and an aggregate limit of $50,000:
   Jewelry
   Furs
   Fine Arts – Protection Class 1 – 9
   Fine Arts – Protection Class 10
   Silverware
   All Classes

The following property classes have a per item limit of $5,000 and an aggregate limit of $25,000:
   Golfer’s Equipment
   Cameras
   Guns
   Musical Instruments
   Fragile Articles (includes breakage coverage) – Protection Class 1 – 9
   Fragile Articles (includes breakage coverage) – Protection Class 10

The Collectibles Class has a per item limit of $5,000 and an aggregate limit of $50,000.

Attach: VS 1186: Coverage G - Blanket Valuable Items




       40
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
BLANKET VALUABLE ITEMS - COLLECTIBLES

   CODE                   TITLE                      CODE                    TITLE
    701            Advertising Memorabilia            748                Lamps & Lighting
    702        Art - Craft Equipment and Tools        749                 License Plates
    703       Art - Paintings, Prints, Sculpture      750                  Lighted Signs
    704              Autograph Collection             751                       Maps
    705   Beauty & Grooming Tools and Memorabilia     752                     Marbles
    706                 Bell Collection               753         Matchcovers and Matchbooks
    707                     Bicycles                  754            McDonalds Memorabilia
    708            Books - Bibles & Liturgy           755                 Metal Detecting
    709                 Books - Comic                 756                   Metal Signs
    710                Books - General                757        Microfiche (film and equipment)
    711                      Bottles                  758                      Military
    712                    Breweriana                 759             Movies/Television films
    713     Bric-a-brac (not otherwise classified)    760                  Music Boxes
    714    Business History, Signage, Documents       761         Music Memorabilia & Related
    715                      Buttons                  762              Musical Instruments
    716                      Canes                    763                 Native Artifacts
    717              Celebrity Memorabilia            764                  Paperweights
    718                     Ceramics                  765                 Perfume Bottles
                                                               Photography Cameras, Projectors,
    719                    China                      766
                                                                             Equipment
    720                    Clocks                     767          Photography Prints, books
    721                     Coins                     768                     Plaques
    722               Comic Characters                769              Political Memorabilia
    723         Computers (unique/antique)            770                     Porcelain
    724                Correspondence                 771                    Postcards
    725                   Costumes                    772                  Posters/Paper
    726                   Currency                    773                       Quilts
    727               Depression Glass                774         Radio Memorabilia & Related
    728                    Disney                     775        Railroad Memorabilia & Related
    729        Dolls - Barbie and accessories         776   Religious (statues, votive, books, papers)
    730       Dolls - Cinnabar and accessories        777              Royalty Memorabilia
                                                                 Science Fiction (models, books,
    731                Dolls - General                778
                                                                       educational material)
    732       Dolls - Kachina and accessories         779              Shells/Stones/Gems
    733       Dolls - Stuffed Dolls and Animals       780                Soda Collectibles
                                                            Space & Flying (models, books, education
    734          Eyeglasses and Magnifiers            781
                                                                              material)
    735         Farm Memorabilia & Related            782                      Spoons
    736             Figurines - Hummel                783         Sports Cards/Baseball Cards
                                                                Sports Memorabilia (Autographs,
    737            Figurines - Miniatures             784
                                                                     equipment, posters, film)
    738           Figurines - Royal Doulton           785                      Stamps
                                                               Textiles & Needlework (equipment,
    739          Fire Memorabilia & Related           786
                                                                              material)
                                                              Tobacco History (equipment, books,
    740                   Firearms                    787
                                                                     posters, advertisement)
    741                Fountain Pens                  788                Tokens & Medals
    742               Glass Sculpture                 789               Tools & Machinery
    743       Golf Equipment and Memorabilia          790                 Toys & Games
    744              Holiday Ornaments                791               Trains (model, toy)
    745                   Hubcaps                     792                 Transportation
    746           Kitchen Tools & Utensils            793                     Western
    747                    Knives                     794                       Wine




   41
                  UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
BUSINESS PROPERTY - INCREASED LIMITS
The $2,500 ($5,000 for HE 00 07 with HE 3221) limit of liability for business property on the residence
premises may be increased to $10,000 in increments of $2,500. The limit of liability in excess of $2,500 does
not apply to:
  Business property in storage or held as a sample or for sale or delivery after sale;
  Business property pertaining to a business actually conducted on the residence premises. (This exposure
  is addressed by HO 0442 - Permitted Incidental Occupancies.)

When the on-premises limit is increased, the off-premises limit of $500 ($1,500 for HE 00 07 with HE 3221)
is automatically increased, at no additional charge, to an amount that is 20% of the total on-premises limit of
liability.

Attach: HO 0412: Increased Limits of Business Property


CREDIT CARD, FUND TRANSFER CARD, FORGERY, AND
COUNTERFEIT MONEY
The monoline policy provides a limit of $500. All PACKAGE PLUS policies including HE 00 07, provide a
limit of $5,000. The HE 00 07 monoline policy with the HE 3220 or HE 3221 provides a limit of $5,000. The
limit may be increased for an additional premium.

Attach: HO 0453: Credit Card, Fund Transfer Card, Forgery and Counterfeit Money Coverage Increased
                 Limits


IDENTITY FRAUD EXPENSE COVERAGE
Included with the PACKAGE PLUS
Up to $15,000 of coverage will be provided for the identity fraud of an insured discovered or first learned of
during the policy period, subject to a $250 deductible.

Coverage is available to pay for the following expenses:
 Costs for notarizing fraud affidavits or similar documents
 Certified mail sent to law enforcement, financial institutions and credit agencies
 Lost income resulting from time taken off work to meet with or talk to law enforcement or credit agencies
 Loan application fees for re-applying for a loan when the application is rejected solely because the lender
 received incorrect credit information
 Reasonable attorney's fees incurred to defend lawsuits brought against the insured and to remove criminal
 or civil judgments

Attach: VS 2016: Identity Fraud Expense Coverage




       42
                        UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
PERSONAL PROPERTY - INCREASED LIMIT
This rule does not apply to PACKAGE PLUS. The total limit for Coverage C should be included in the
Blanket Property Limit.

The limit of liability for Coverage C may be increased, or the amount may be decreased to an amount not
less than 40% of the Coverage A limit.

Note: The credit for a reduction in Coverage C is not available with HE 00 07 or any blanket policy type (HB
00 03, HB 00 04, HB 00 05, HB 00 06, or HE 00 07 with HE 3240)


PERSONAL PROPERTY - INCREASED LIMITS - OTHER RESIDENCES
Coverage for personal property owned by the insured that is usually located at other residences is limited in
the policy form to 10% of Coverage C or $1,000 ($10,000 with HE 3220), whichever is greater. This limit
may be increased.

Attach: HO 0450: Increased Limits on Personal Property in Other Residences




       43
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
PERSONAL PROPERTY INCREASED SPECIAL LIMITS OF LIABILITY
INCREASED SPECIAL LIMITS OF LIABILITY
JEWELRY, WATCHES, AND FURS
The special limit of liability of $1,500 for theft of jewelry, watches and furs on the HO 00 03, HO 00 05, HO 00
04 and HO 00 06 monoline policies may be increased to a maximum of $6,500 but not exceeding $1,500 for
any one article unless the sub-limit for any one article is increased**. The PACKAGE PLUS policy provides
an additional $4,000 of coverage for the special limit of liability for theft of jewelry, watches and furs at no
additional charge. (Thus, making the special limit of liability on the PACKAGE PLUS policy for theft of
jewelry, watches and furs $5,500.) This may be increased to a maximum of $6,500, not to exceed $1,500 for
any one article unless the sub-limit for any one article is increased**. The $5,500 special limit of liability for
theft of jewelry, watches and furs on the HE 00 07 monoline and PACKAGE PLUS policy may be increased
to a maximum of $6,500 not to exceed $1,500 for any one article unless the sub-limit for any one article is
increased.**
.
**The $1,500 sub-limit for any one article may be increased to $2,500 in increments of $500

MONEY AND SECURITIES
The special limit of liability for all policy forms except HE 00 07, of $200 on money may be increased to a
maximum of $1,000. The $1,500 limit on securities may be increased to a maximum of $3,000. HE 00 07
includes limits of $1,000 for Money and $5,500 for securities. No additional increases are available for the
HE 00 07.
SILVERWARE, GOLDWARE, AND PEWTERWARE
The special limit of liability (25% of Coverage C) for loss by theft of silverware, etc., may be increased in
increments of $500.

 HE 00 07: The special limit of liability is $10,000.
 PACKAGE PLUS: The special limit of liability of 10% of the Blanket Property Limit for HO 00 03 or HO 00
 05, 21% for HO 00 04 or 17% for HO 00 06 (maximum $10,000) may be increased.

FIREARMS
The special limit of liability (10% of Coverage C) for loss by theft of firearms may be increased in increments
of $100.

 HE 00 07: The special limit of liability is $10,000.
 PACKAGE PLUS: The special limit of liability of 4% of the Blanket Property Limit for HO 00 03 or HO 00
 05, 8.5% for HO 00 04 or 7% for HO 00 06 (maximum $10,000) may be increased.
ELECTRONIC APPARATUS
The policy provides coverage, as described below, for loss of electronic apparatus equipped to be operated
from the electrical system of a motor vehicle or motorized land conveyance while retaining its capability of
being operated by other sources of power:
  Up to $1,500 for apparatus in or upon a motor vehicle or motorized land conveyance, and
  Up to $1,500 for apparatus not in or upon a motor vehicle that is away from the residence premises and
  used for business.
Each of these limits may be increased to a maximum of $6,000 in increments of $500.
Attach: HO 3288: Coverage C Increased Special Limits of Liability – HO 00 03, HO 00 04 or HO 00 06
                 without HO 3235
        HO 3289: Coverage C Increased Special Limits of Liability – HO 00 05, HE 00 07 or HO 00 06
                 with HO 3235
       44
                        UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
REFRIGERATED PROPERTY
The policy may be endorsed to provide $500 of coverage for covered property stored in freezers or
refrigerators on the residence premises for loss caused by power service interruption or mechanical failure.
 A deductible of $100 applies.

This coverage is included with PACKAGE PLUS and HE 00 07.

Attach: HO 0498: Refrigerated Property Coverage – Monoline or
        HB 0498: Refrigerated Property Coverage – PACKAGE PLUS


REPLACEMENT COST COVERAGE – PERSONAL PROPERTY
Coverage C can be extended to include full repair or replacement without deduction for depreciation.
Replacement Cost Coverage also applies to articles or classes of property separately described and
specifically insured in this policy, as listed in the Scheduled Personal Property endorsement.

For all forms except HO 00 04 or HO 00 06 Coverage C is automatically elevated to 70% of Coverage A.
If policy limit is less than $12,000 for Forms HO 00 04 or HO 00 06, the Coverage C limit will be increased to
$12,000

Attach: HO 0490: Replacement Property Replacement Cost Coverage


SPECIAL COMPUTER COVERAGE
Not available on HO 00 05 & HO 00 06 with HO 3235
The policy may be endorsed to insure computers and related equipment against additional risks of physical
loss subject to certain exclusions.

Attach: HO 3237: Special Computer Coverage




       45
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
PERSONAL PROPERTY - SCHEDULED
The following classes of property may be covered on a scheduled basis: Bicycle, Camera, Coins, Fine Arts,
Furs, Golfer’s Equipment, Guns, Jewelry, Musical Instruments, Personal Electronic Equipment, Silverware,
and Stamps.

Under Fine Arts, breakage coverage for fragile articles may be extended to cover all risk of physical loss.
The value of the fragile articles covered and the additional premium shall be stated separately on the
schedule. The premium is in addition to the premium for the Fine Arts basic coverage. When Special
breakage coverage is extended to fine arts, rate that portion with breakage and that portion without breakage
separately.

For articles being transported between the primary location and secondary locations, the highest applicable
protection class shall apply when determining the premium.

Under the Jewelry class, melee is defined as an array of stones sometimes used to compliment a larger
primary stone in a jewelry setting. This rate class may be used for items whose primary value is determined
by more than three stones. Jewelry is considered “highly protected” if the covered article(s) is kept at all
times, when not being worn, in a secured on-premises safe or vault. The safe or vault must be permanently
attached to the residential structure and not capable of being lifted or moved by an individual person.

The minimum coverage amount per class is $1,000. The minimum endorsement premium is $10.

Note: For Professional Camera and Professional Musical Instruments please refer to Underwriting to add
these items.

Attach: HO 0460: Scheduled Personal Property for with Agreed Value Loss Settlement
         VK 935: Scheduled Personal Electronic Equipment
         IJF 1011: Jewelry Broad Pair & Set
         IJF 1012: Jewelry in Vaults
         VS 1837: Highly Protected Property
        ISC 1311: Stamp and Coin Collection Safe Credit Endorsement


AGREED VALUE

Agree Value Coverage is included at no additional charge. The claim settlement procedure for a total loss to
an article may be amended to allow for stated amount settlement in lieu of actual cash value for all classes
listed above except personal electronic equipment.




       46
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
SPECIAL PERSONAL PROPERTY

INCLUDED WITH HO 00 05 & HE 00 07
HO 00 06 ONLY
Coverage C under Form HO 00 06 is insured against perils named in the form. The policy may be endorsed
to insure Coverage C against additional risks of physical loss subject to certain exclusions. This option may
only be used when the condominium or cooperative unit is owner occupied.

Attach: HO 3235: Unit-Owners – Coverage C – Special Coverage – HO 00 06 Only




       47
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
OTHER EXPOSURES – SECTION II
OTHER EXPOSURES – MEDICAL PAYMENTS TO OTHERS INCREASES LIMITS

Personal Liability Increased Limits: $200,000, $300,000, $400,000, $500,000, $750,000, $1,000,000

Medical Payments to Others Increased Limits: $2,000, $3,000, $4,000, $5,000


OTHER MEMBERS OF YOUR HOUSEHOLD
Provides Section I Personal Property Coverage and Section II Personal Liability and Medical Payments To
Others for an unrelated member of the household.

Attach: HO 0458: Other Members Of Your Household


PERSONAL INJURY
Liability coverage for personal injury to others, such as false arrest, libel or invasion of privacy, may be
added to the policy. This coverage is included with PACKAGE PLUS & HE 00 07.

Attach: HO 3282: Personal Injury
RESIDENCE EMPLOYEES
Charges do not apply to employees working less than half of the customary full time or to whom workers'
compensation exclusion applies as stated in Section II of the policy. There is no additional charge for up to
two residence employees.


RESIDENCE PREMISES – BASIC AND INCREASED LIMITS
If increased limits are written, then the same limits must apply to any Other Exposures covered under the
policy, unless otherwise stated.


STUDENT AWAY FROM HOME
The homeowners policy provides basic Section I and II coverage for a student enrolled in school full time
who was a resident of the household before moving out to attend school provided the student is under the
age of 24 and your relative. The policy can be endorsed to provide coverage for a student that does not
meet this criteria.

Attach: HO 0527: Student Away From Home


WATERBED LIABILITY
HO 00 04 And HO 00 06 Only
The policy may be endorsed to provide coverage for property damage caused by waterbeds to non-owned
property on the residence premises.

Attach: HO 3240: Waterbed Liability




       48
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
INCIDENTAL FARMING PERSONAL LIABILITY
ON THE RESIDENCE PREMISES
The policy may be endorsed to provide coverage for the liability of the insured when farming is conducted on
the residence premises and is incidental to the use of the premises as a dwelling, and the income derived
from the farming operation is not the insured's primary source of income.

Attach: HO 2472: Incidental Farming Personal Liability

AWAY FROM THE RESIDENCE PREMISES
The policy may be endorsed to provide coverage for the liability of the insured whose incidental farming
activities are conducted at the specified locations, which are away from the residence premises. Such
incidental farming activities may include the boarding or grazing of the insured's animals, or use of the land
as garden space if the income derived from such activities is not the insured's primary source of income.
 However, coverage is not available if the locations specified in the endorsement are used for racing
purposes.

Attach: HO 2472: Incidental Farming Personal Liability




       49
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
PERMITTED INCIDENTAL OCCUPANCIES
RESIDENCE PREMISES AND OTHER RESIDENCES
Coverage for a permitted incidental occupancy is limited under Section I and excluded under Section II. The
policy may be endorsed to provide expanded Section I coverage and Section II coverage on a permitted
incidental occupancy located in the dwelling or in another structure on the residence premises provided:
       The premises is occupied principally for private residential purposes; and
       There is no other business occupancy on the premises

If the permitted incidental occupancy is located in another structure, Coverage B does not apply to that
structure. The Permitted Incidental Occupancies Endorsement also covers personal property pertaining to
the permitted incidental occupancy within the Coverage C limits stated in the declaration. If increased
Coverage C limits are desired, refer to the Personal Property Optional Coverage.

Examples of such permitted incidental occupancies are Offices, Schools or Studios, meaning offices for
business or professional purposes, and private schools or studios for music, dance, photography and other
instructional purposes.

Attach: HO 0442: Permitted Incidental Occupancies Residence Premises
        HO 2443: Permitted Incidental Occupancies - Other Residence


BUSINESS PURSUITS
The policy may be endorsed to provide coverage for the liability of the insured arising out of business
activities. Coverage is excluded if the insured owns the business, is a partner or maintains financial control in
the business. Classes of business activity include clerical employees, sales persons, collectors or
messengers, and teachers.

Attach: HO 2471: Business Pursuits




       50
                        UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
ADDITIONAL RESIDENCE
Section II coverage may be provided on locations other than the residence premises, where an insured
resides, but which are insured for Section I coverage under another insurance program or by another
company.

Attach: ADRES: Additional Residence
         Additional Residence Rented to Others
The policy may be endorsed to provide coverage when an additional residence is rented to others.

Attach: HO 2470: Additional Residence Rented to Others




       51
                       UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
STATE SPECIFIC AMENDATORY ENDORSEMENTS
SPECIAL STATE REQUIREMENTS
The below forms may be listed on the declarations page. For your convenience a short explanation
is provided.

HO 3232: Special Provisions Endorsement
Use with all Monoline policies except HE 00 07.


HB 3232: Special Provisions Endorsement
Use with HB 00 03, HB 00 05, HB 00 04, and HB 00 06


HO 3286: Windstorm Exterior Paint and Waterproofing Exclusion
Use with all Homeowners policies in Territories 070-072 and 080-084.


HO 3233: Amendatory Endorsement
Use this endorsement with all Homeowners policies.


North Carolina Joint Underwriting Association
Section XVI of the Plan of Operation of the Joint Underwriting Association (Fair Plan) sets forth the following
as to “Responsibility with Respect to Cancellation or Nonrenewals”
As respects risks eligible under the Plan of Operation, each participating insurer agrees that with respect to
cancellation or nonrenewals initiated by it, it will give to policyholders, except in cases of nonpayment of
premium, material misrepresentation, or evidence of incendiarism, thirty days to avail themselves of the Plan
of Operation and the Insurer shall, in writing, explain to the policyholder the procedures for making
application under the Plan of Operation.




       52
                        UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
TERRITORY ASSIGNMENT
The Territory Codes shown in the links are to be used as stated. Any changes to the listed territory must be
approved by underwriting prior to binding. Policy territory codes are subject to periodic review.

For All Coverage And Perils Other Than Earthquake
   CITY OF               COUNTY OF           CODE
   Charlotte             Mecklenburg          380
    Durham                 Durham             320
  Greensboro               Guilford           360
    Raleigh                 Wake              320
 Winston-Salem             Forsyth            360

*Beach Area – Localities south and east of the Inland Waterway from the South Carolina Line to Fort Macon
(Beaufort Inlet), thence south and east of Core, Pamlico, Roanoke and Currituck Sounds to the Virginia Line,
being those portions of land generally known as the “Outer Banks.”


For All Coverage And Perils Other Than Earthquake
         OTHER THAN CITIES            CODE              OTHER THAN CITIES              CODE          OTHER THAN CITIES    CODE
Alamance                               570    Forsyth                                   572    Onslow*                     523
Alexander                              609    Franklin                                  471    Orange                      532
Alleghany                              601    Gaston                                    390    Pamlico                     490
Anson                                  440    Gates                                     452    Pasquotank                  491
Ashe                                   601    Graham                                    603    Pender*                     524
Avery                                  606    Granville                                 461    Perquimans                  492
Beaufort                               490    Greene                                    453    Person                      462
Bertie                                 450    Guilford                                  573    Pitt                        457
Bladen                                 410    Halifax                                   472    Polk                        607
Brunswick*                             520    Harnett                                   473    Randolph                    574
Buncombe                               605    Haywood                                   603    Richmond                    442
Burke                                  607    Henderson                                 600    Robeson                     412
Cabarrus                               608    Hertford                                  454    Rockingham                  602
Caldwell                               601    Hoke                                      474    Rowan                       608
Camden                                 491    Hyde*                                     482    Rutherford                  600
Carteret*                              521    Iredell                                   609    Sampson                     458
Caswell                                460    Jackson                                   603    Scotland                    478
Catawba                                604    Johnston                                  475    Stanly                      608
Chatham                                530    Jones                                     494    Stokes                      602
Cherokee                               603    Lee                                       476    Surry                       601
Chowan                                 492    Lenoir                                    455    Swain                       603
Clay                                   603    Lincoln                                   604    Transylvania                603
Cleveland                              604    Macon                                     603    Tyrrell                     497
Columbus                               411    Madison                                   605    Union                       392
Craven                                 493    Martin                                    456    Vance                       463
Cumberland                             340    McDowell                                  600    Wake                        533
Currituck*                             480    Mecklenburg                               391    Warren                      464
Dare*                                  481    Mitchell                                  606    Washington                  498
Davidson                               571    Montgomery                                441    Watauga                     606
Davie                                  601    Moore                                     477    Wayne                       459
Duplin                                 451    Nash                                      470    Wilkes                      601
Durham                                 531    New Hanover*                              522    Wilson                      479
Edgecombe                              470    Northampton                               472    Yadkin                      575
                                                                                               Yancey                      606
*Beach Areas in Currituck, Dare and Hyde Counties                                                                        070-0702
*Beach Areas in Brunswick, Carteret, New Hanover, Onslow, New Hanover, Onslow and Pender Counties                        080-084
*Beach Area – Localities south and east of the Inland Waterway from the South Carolina Line to Fort Macon
(Beaufort Inlet), thence south and east of Core, Pamlico, Roanoke and Currituck Sounds to the Virginia Line,
being those portions of land generally known as the “Outer Banks.”


         53
                             UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
ENDORSEMENT INDEX
FORM        ENDORSEMENT NAME
ANDRES      ADDITIONAL RESIDENCE
HB 00 03    BLANKET PROPERTY LIMIT – PACKAGE PLUS – ONE OR TWO FAMILY RESIDENCE
HB 00 04    BLANKET PROPERTY LIMIT – PACKAGE PLUS – TENANTS
HB 00 05    BLANKET PROPERTY LIMIT – PACKAGE PLUS – COMPREHENSIVE
HB 00 06    BLANKET PROPERTY LIMIT – PACKAGE PLUS – CONDOMINIUMS
HB 0312     WINDSTORM OR HAIL PERCENTAGE – PACKAGE PLUS
HB 0446     INFLATION PROTECTION – PACKAGE PLUS HO 00 03 OR HO 00 05
HB 0484     WATER BACK UP AND SUMP OVERFLOW - PACKAGE PLUS
HB 0498     REFRIGERATED PROPERTY COVERAGE - PACKAGE PLUS
HB 0454     EARTHQUAKE – PACKAGE PLUS
HB 0477     ORDINANCE OR LAW – PACKAGE PLUS
            REPLACEMENT OR REPAIR COST PROTECTION COVERAGE A DWELLING – PACKAGE PLUS –
HB 3220
            HO 00 03 OR HO 00 05
HB 3232     SPECIAL PROVISIONS – USED WITH HB 00 03, HB 00 04, HB 00 05, AND HB 00 06
HE 00 07    HOMEOWNERS ENHANCEMENT PROGRAM
HE 3220     EXPANDED ENHANCEMENT COVERAGE - HE 00 07 ONLY
HE 3221     EXTENDED ENHANCEMENT COVERAGE - HE 00 07 ONLY
            SPECIFIED ADDITIONAL AMOUNT OF INSURANCE FOR COVERAGE A DWELLING - HE 00 07
HE 3222
            ONLY
HE 3230     DEBRIS REMOVAL – BROADENED TREE REMOVAL - HE 00 07
            BLANKET PROPERTY LIMIT - HE 00 07 (NO LONGER AVAILABLE FOR MONOLINE NEW
HE 3240
            BUSINESS)
HE 3245     PROPERTY COVERAGE ENHANCEMENT - HE 00 07
HO 0312     WINDSTORM OR HAIL PERCENTAGE – MONOLINE
HO 0410     ADDITIONAL INTERESTS
HO 0412     INCREASED LIMITS OF BUSINESS PROPERTY
HO 0416     PREMISES ALARM OR FIRE PROTECTION
HO 0435     LOSS ASSESSMENT COVERAGE
HO 0436     LOSS ASSESSMENT COVERAGE FOR EARTHQUAKE – ALL FORMS
HO 0440     STRUCTURES RENTED TO OTHERS – RESIDENCE PREMISES
HO 0441     ADDITIONAL INSURED
HO 0442     PERMITTED INCIDENTAL OCCUPANCIES – RESIDENCE PREMISES
HO 0446     INFLATION GUARD – MONOLINE HO 00 03 OR HO 00 05
HO 0448     OTHER STRUCTURES
HO 0450     INCREASED LIMITS ON PERSONAL PROPERTY IN OTHER RESIDENCES
HO 0451     BUILDING ADDITIONS AND ALTERATIONS – INCREASED LIMITS – HO 00 04
            CREDIT CARD, FUND TRANSFER CARD, FORGERY AND COUNTERFEIT MONEY – INCREASED
HO 0453
            LIMITS
HO 0454     EARTHQUAKE – MONOLINE
HO 0458     OTHER MEMBERS OF YOUR HOUSEHOLD
HO 0460     SCHEDULED PERSONAL PROPERTY WITH AGREED VALUE LOSS SETTLEMENT
HO 0477     ORDINANCE OR LAW COVERAGE - MONOLINE
HO 0484     WATER BACK UP AND SUMP OVERFLOW - MONOLINE
HO 0490     PERSONAL PROPERTY REPLACEMENT COST
HO 0491     COVERAGE B – OFF PREMISES - MONOLINE
HO 0492     SPECIFIC STRUCTURES AWAY FROM RESIDENCE PREMISES
HO 0498     REFRIGERATED PROPERTY COVERAGE - MONOLINE
HO 0499     SINKHOLE COLLAPSE
HO 0527     STUDENT LIVING AWAY FROM THE RESIDENCE PREMISES
HO 0528     OWNED MOTORIZED GOLF CART - PHYSICAL DAMAGE COVERAGE
            EXTENDED THEFT COVERAGE FOR RESIDENCE PREMISES OCCASIONALLY RENTED TO
HO 0541
            OTHERS

       54
                UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA
HO 1733    UNIT-OWNERS RENTAL TO OTHERS
           UNIT-OWNERS - MODIFIED OTHER INSURANCE AND SERVICE AGREEMENT CONDITION - HO 00
HO 1734
           06
HO 2443    PERMITTED INCIDENTAL OCCUPANCIES – OTHER RESIDENCE
HO 2470    ADDITIONAL RESIDENCE RENTED TO OTHERS
HO 2471    BUSINESS PURSUITS
HO 2472    INCIDENTAL FARMING PERSONAL LIABILITY
           SPECIFIED ADDITIONAL AMOUNT OF INSURANCE FOR COVERAGE A HO 00 03 OR HO 00 05
HO 3220
           MONOLINE
HO 3226    THEFT - NEWLY CONSTRUCTED UNOCCUPIED DWELLING
HO 3232    SPECIAL PROVISIONS - USED WITH ALL MONOLINE POLICIES EXCEPT HE 00 07
HO 3233    AMENDATORY ENDORSEMENT
HO 3234    UNIT-OWNERS – COVERAGE A SPECIAL COVERAGE
HO 3235    UNIT-OWNERS – COVERAGE C – SPECIAL COVERAGE HO 00 06
HO 3237    SPECIAL COMPUTER COVERAGE
HO 3240    WATERBED LIABILITY – HO 00 04 AND HO 00 06
HO 3282    PERSONAL INJURY
HO 3286    WINDSTORM EXTERIOR PAINT AND WATERPROOFING EXCLUSION
           COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITY - HO 00 03, HO 00 04 OR HO 00 06
HO 3288
           WITHOUT HO 32 35
           COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITY - HO 00 05, HE 00 07 OR HO 00 06
HO 3289
           WITH HO 32 35
HO 3294    ABSOLUTE WINDSTORM OR HAIL EXCLUSION
IJF 1011   JEWELRY BROAD PAIR AND SET CLAUSE
IJF 1012   JEWELRY IN VAULTS
ISC 1111   STAMP AND COIN COLLECTION SAFE CREDIT
VK 935     SCHEDULED PERSONAL ELECTRONIC EQUIPMENT
VK 1116    EXISTING INSURANCE
VS 1186    BLANKET VALUABLE ITEMS
VS 1837    HIGHLY PROTECTED PROPERTY
VS 2016    IDENTITY FRAUD EXPENSE




      55
               UNITRIN SAFEGUARD INSURANCE COMPANY / NORTH CAROLINA

				
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