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					               Foremost
               OPEN FOR NEW BUSINESS                            [x] YES [ ] NO
               OPEN FOR RENEWAL BUSINESS                        [x] YES [ ] NO

               Rev. 12/19/12          *ALL CHANGES ARE HIGHLIGHTED
ITEM                      DESCRIPTION
WRITING COMPANY           FOREMOST
ADDRESS                   P.O. Box 3333
CITY, STATE, ZIP          GRAND RAPIDS, MI 49501-3333
WEB SITE                  WWW .FOREMOSTPRODUCERS.COM

                            USER NAME : ATRINIDAD (LOWER CASE)              PASSWORD: LETMEIN1 (LOWER CASE)
AGENCY CODE:                04-9490-999

CONTACT INFORMATION                     LINE              FAX               EMAIL
OK FOR AFFILIATES TO CALL DIRECT?       YES
MAIN OFFICE                             800-237-6136      616-956-3806

CLAIMS                                  800-527-3901      877-452-3957
                                                          OR
                                                          616-956-3789
ENDOSEMENTS                                                                 imaging@foremost.com




GENERIC INFORMATION                            YES   NO   DESCRIPTION
APPETITE                                                  VACANT HOMES, STAND ALONE DWELLING FIRE, MOTORHOMES,
                                                          MOBILE HOMES, POST & PIER HOMES, LOG HOMES, ROW HOMES,
                                                          UNLIMITED NUMBER OF PROPERTIES PER NAMED INSD, WATER
                                                          FRONT PROPERTIES, UNLIMITED ACREAGE/ UP TO 5 FARM
                                                          ANIMALS, HOMES WITH POOL SLIDES & DIVING BOARDS, BARS ON
                                                          WINDOWS (TENANT OCCUPIED MUST BE RELEASEABLE)

BROKER OF RECORD                               X          [X ] ANY FORM [ ] OWN FORM
                      NEW PROGRAM                         [ ] SUBMIT 60 DAYS PRIOR TO RENEWAL OR REWRITE
                                                          [X ] SUBMIT NEW APPLICATION WITH B OR R
MONOLINE                                       X
POLICY TERMS AVAILABLE                                    [X] 1 YEAR   [ ] 3 YEARS
PRIOR INSURANCE NECESSARY                            X
LLC, TRUST, & PARTNERS                         X
LOG HOMES                                      X
PC 10                                          X
CLAIMS                                         X          UP TO 10 CLAIMS

BILLING INFORMATION                            YES   NO   DESCRIPTION
AGENCY BILL                                               [X] DEPOSIT REQ.
CHECKLESS / AUTO WITHDRAWAL / EFT              N/A        CHARGE IS $
DIRECT BILL                                               [X] ANNUAL
                                                          [X] 2-PAY [ ] 4-PAY [ ] 10-PAY
                                                          INSTALLMENT CHARGE IS $2.00-6.00
                                                          [ ] LESS COMMISSION [ ] DO NOT RETAIN COMMISSION
FEE –



PIA HOMEOWNERS CHEATSHEET               DATED 01/09/13                                      PAGE #1 OF 24
COVERAGE INFORMATION                       YES   NO    OTHER #1                 #3
MAXIMUM BINDING AUTHORITY                              $350,000              $750,000
MINIMUM COVERAGE “A” AMOUNT                            $50,000               $35,000
MINIMUM DEDUCTIBLE                                     $
REPLACEMENT COST                                       %125
LIABILITY – MINIMUM AMOUNT                             $100,000
LIABILITY – MAXIMUM AMOUNT                             $500,000 CAN GO UP TO $1,000,000 FOR SPECIALTY DWELLING
ORDINANCE OF LAW                                 X     %
PERSONAL INJURY                                  X
SCHEDULED ITEMS                                        [ ] APPRAISAL REQUIRED $
                                                        N/A
UNDERWRITING                               YES   NO    OTHER
PHOTO’S REQUIRED                           X
PETS:                                                  BREED: SEE UNDERWRITING GUIDELINES
                                                       BITE HISTORY:
AGE OF HOME                                            NO RESTRICTIONS
UPDATES: YEAR                                    X     HEAT:           ROOF          PLUMBING               ELECTRICAL
                                                                                           GLAVANIZED       100 AMP.
RETROFITTED                                      X
EXCLUSIONS FOR DOGS BREEDS/BITES &         X
TRAMPOLINES
CLUE REPORT                                YES   NO    OTHER
ALARM:                                                 TYPE:


SUBMISSION:                                YES   NO    OTHER
FROM PIA:                                        X     [ ] ON LINE
FROM AFFILIATE                             X           [X] ON LINE APP THEN MAIL TO CO


BINDING INFO NECESSARY – ALL ITEMS SHOWN   YES   NO    OTHER
ABOVE IN “QUOTING” AND
APPLICATION –                                          MAIL TO CO
APPROVAL NEEDED TO BIND                          X     [ ] PIA [ ] COMPANY
COPY OF QUOTE                              X
DEPOSIT PREMIUM                                        [X] INSURED CHECK [ ] AGENCY TRUST CHECK
EFFECTIVE DATE WILL BE                                 [ ] DATE ON APP
                                                       [X ]DATE AND TIME SIGNED & $$ COLLECTED
                                                       [X ] NO BACK DATING
SUBMITTING METHOD                                      [ ] ONLINE ONLY [ ] FAX [ ] CANNOT FAX [ ] CALL IN

AFTER POLICY ISSUANCE                      YES   NO    OTHER
CANCELLATION                                           [X ] USE LPR ONLY

PAYMENTS                                               PO Box 0915
                                                       Carol Stream, IL 60132-0915

OVER NIGHT PMTS                                        Foremost - Box #915
                                                       c/o Citibank Lockbox Operations
                                                       8430 W Bryn Mawr Avenue, 3rd Floor
                                                       Chicago, IL 60631
                                                       (include payment return card or put policy number on check)
ENDORSEMENTS                                           [ ] ONLINE ONLY [X ] FAX [ ] CANNOT FAX [ ] CALL IN




PIA HOMEOWNERS CHEATSHEET             DATED 01/09/13
                                       PAGE #2 OF 24
STATES WE CAN WRITE IN:
California
Nevada
Oregon
Louisiana
New Mexico
Arizona
Montana

Due to strict Arizona DOI regulations, YOU cannot write or submit any business for any
property in that state unless you personally hold a non-resident agent license. You can
either get a non-resident agent license for that state or you say NO to all AZ business.
Period, no wiggle room!




W ILL WRITE MULT IHOMES ON ONE POLICY


STATES WE CAN WRITE IN: AZ, CA, NV, OR, & NM

PIER &POST OK AS LONG AS UNDER 2 FEET CALL UNDERWRITER FOR APPROVAL, OVER 2 FEET
WANT US TO INSPECT THEM

PUT YOUR NAME AND CONTACT INFORMATION IN THE REMARKS SECTION OF ALL
APPLICATIONS, YOUR NAME, EMAIL ADDRESS AND PHONE NUMBER



    1       Statistics show that retention is the highest when clients pay by credit card,
            so try to do this as much as possible. Secondly the next best retention is
            on EFT deduction. Thirdly paid in full, and lastly payments where the client
            has to actually do something to get the payment to the carrier. So try and
            get as many as possible to pay by credit card, or EFT or paid in full.
    2       Retention is directly linked to loss ratio. The lower the retention percentage
            the higher the loss ratio. Retention should be over 80% - we have too
            many in the 65 – 70% range. Probably people who need insurance to
            register the car, and then drop it right after – not qualify clients.




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                            PAGE #22 OF 24
 Update to FireLineTM criteria for Foremost® Manufactured Home, Rental
                               Mobile Home,
               Dwelling Fire and Specialty Homeowners

Due to wildfire exposure, Foremost is tightening FireLine new business
eligibility criteria in California effective February 15, 2013. These changes
apply to our Manufactured Home, Rental Mobile Home, Specialty Homeowners
and Dwelling Fire programs, underwritten by Foremost Insurance Company
Grand Rapids, Michigan.



PIA HOMEOWNERS CHEATSHEET           DATED 01/09/13
                                    PAGE #23 OF 24
Any quotes that you have in the system prior to January 6, 2013, will be subject
to the current FireLine guidelines.




PIA HOMEOWNERS CHEATSHEET            DATED 01/09/13
                                     PAGE #24 OF 24

				
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