Producers

New Purchase Immediate Coverage	1-800-272-5885
Immediate Coverage Fax	1-800-699-2985
Endorsements and Cancellation (Effective 9/1/2005)	1-800-796-2230
Claims	1-800-851-8424

Producer Quick Reference
	Dwelling Fire DP 00 01 Basic Form Dwelling Liability DL-1 (optional)	Homeowners Program Owners Forms HO 00 02, 03, 05 and 08 Tenants Form HO 00 04 Condo Unit Owners Form HO 00 06	Commercial Standard Property Policy Form CP 00 99
Base Deductible	$250*	$250*	$500*
Optional Deductibles	$100, $500, $1,000 & $2,500	All Forms: $500, $1,000, $2,500, HO 02, 03, 05 or 08 only: $100	$250, $1,000, $2,500, $5,000 $10,000, $25,000, $50,000, $75,000
Basic Eligibility	– 1-4 Unit Dwelling. – Contents of any Residential Unit.	– HO 02, 03 and 05: 1-4 Unit Dwelling Owner Occupied – HO 04 : Any Residential Unit – HO 06 : Owner Occupied Condo Unit	Commercial property including buildings with 5 or more apartments.
Minimum Limit	None Dwelling Liability: Coverage L : $100,000 Coverage M : $ 1,000	Section I: Cov. Amt. – HO 02, 03, 05 or 08 – Cov A – Primary Location $ 25,000 – Secondary Location $ 15,000 – HO 04 – Cov C $ 6,000 – HO 06 – Cov C $ 10,000 Section II: All Forms Coverage E $100,000 Coverage F $ 1,000	None
Maximum Limit	$750,000 Single Interest

Dwelling Liability (DL-1)
Coverage L : $500,000
Coverage M : $ 5,000

Section I:	Cov. Amt.-
HO 02,03,05or 08 – Cov A	$1,000,000
HO 04, 06 – Cov C	$50,000
Section II:All Forms
Coverage E	$500,000
Coverage F	$5,000

Building Coverage:
-Frame Construction: $250,000
-Masonry/Fire Resistive $500,000

Contents Coverage:
All Constructions: $250,000Minimum Premium$50$50$100Amount of Insurance
Requirement
(Co-Insurance)Present Market Value- HO 02, 03 or 05: Generally 80% or more of Replacement Cost
-HO 08: Market Value
-HO 04, 06: Actual Cash ValueBuildings: 80%, 90%, 100% of Replacement Cost Less Depreciation, with proper documentation, otherwise written with no co-insurance.
Contents: Actual Cash ValueApplication(s) RequiredApplication ACORD 66 RI
If under rehabilitation/construction Letter of Intent is required.
Liability Application:RIJRA DL 1Application ACORD 64 RI RIJRA MS&B Replacement Cost Estimator required for Forms HO 02, 03, 05 and 08.Application ACORD 68 RI.
If under rehabilitation Letter of Intent is required.For all lines, a copy of the mortgage agreement is required if there is a non-institutional mortgage holder named on the application.

This quick reference highlights basic RIJRA products and requirements. RIJRA Producers’ Operations Manual should be consulted for details of these and additional products and requirements, as well as for detailed procedures.

FORM ID	NAME	REQUIRED INFORMATION/DOCUMENTATION
HO 00 02	Broad Form	HCE Worksheet, Cov A must be = or > 80% of Estimated Replacement Cost
HO 00 03	Special Form	HCE Worksheet, Cov A must be = or > 80% of Estimated Replacement Cost
HO 00 04	Contents Broad Form	Coverage C Minimum Limit of $6,000
HO 00 05	Comprehensive Form	HCE Worksheet, Cov A must be = or > 80% of Estimated Replacement Cost
HO 00 06	Unit-Owners Form	Coverage C Minimum Limit of $10,000
HO 00 08	Modified Coverage Form	HCE Worksheet, Market Value Policy
HO 01 38	Special Provisions Rhode Island	No Additional Information needed – Mandatory Endorsement
HO 03 12	Windstorm or Hail Percentage Deductible	Mandatory when W/H % Deductible is attached to policy
HO 04 10	Additional Interests	Name & Address of Person or Organization, Interest, Documentation showing interest
HO 04 11	Additional Limits of Liability For Coverages A, B, C, D-Rhode Island	Coverage A must be at least = to 100% of the Estimated Replacement Cost or previous carriers Coverage A whichever is greater.
HO 04 12	Increased Limits On Business Property	Increase in Limit of Liability, Total Limit of Liability, Description of Business
HO 04 14	Special Computer Coverage	No Additional Info. This is not a schedule. Increases perils insured against.
HO 04 16	Premises Alarm or Fire Protection System	Type of Device, Installation Certificate
HO 04 20	Specified Additional Amount of Insurance For Coverage A- Dwelling – Rhode Island	Additional Amount of Insurance Percentage, Coverage A must be at least = to 100% of the Estimated Replacement Cost or previous carriers Coverage A whichever is greater.
HO 04 26	Limited Fungi, Wet or Dry Rot or Bacteria Cov	Mandatory for HO 00 02, 04 & 06 Policies. Higher Limits Optional
HO 04 27	Limited Fungi, Wet or Dry Rot or Bacteria Cov	Mandatory for HO 00 03 & 05 Policies. Higher Limits Optional
HO 04 28	Limited Fungi, Wet or Dry Rot or Bacteria Cov	Mandatory for HO 00 04 & 06 Policies w/ HO 05 24, HO 17 31 & HO 17 32. Higher Limits Optional
HO 04 30	Theft Coverage Increase	Indicate Limit of Liability for ON and OFF Residence.
HO 04 35	Loss Assessment Coverage	Indicate “Residence Premises” & Additional Amount of Insurance if coverage desired for Add’l Location need to indicate Location & Limit of Liability
HO 04 40	Structures Rented to Others (Residence Premises)	Description of Structure, Limit of Liability, Year of Construction, # of Families Used for rented home/cottage/carriage house etc. on premises.
HO 04 41	Additional Insured (Residence Premises)	Name & Address of Person or Organization, Interest (Add’l Insureds must sign Application)
HO 04 42	Permitted Incidental Occupancies	Description of Business, # of employees, any physical alterations to residence, number of clients that visit the business on weekly basis, where in the residence is business located, If business is located in an other Structure on the residence need Limit of Liability & Description of Structure if coverage is desired.
HO 04 43	Replacement Cost For Non Building Structures	No Additional Information Needed
HO 04 46	Inflation Guard	Percentage Amount 4% 6% 8%10% etc.
HO 04 48	Other Structures On The Residence Premises (Increased Limits)	Description of Structure –Garage/shed/etc. & Additional Limit of Liability
HO 04 49	Building Additions and Alterations (Other Residence)	Location of the Building & Limit of Liability
HO 04 50	Increase Limits to Personal Property	Location of Insured’s Residence, Increase in Limit of Liability & Total Limit Of Liability at This Location
HO 04 51	Building Additions and Alterations (Increased Limit Form HO 00 04)	Increase in Limit of Liability & Total Limit of Liability
HO 04 53	Credit Card, Fund Transfer Card, Forgery & Counterfeit Money Coverage (Increased Limit)	Increase In Limit of Liability & Total Limit of Liability
HO 04 54	Earthquake	Earthquake % Deductible, If Exterior is Masonry Veneer indicate if it is to be covered.
HO 04 55	Identity Fraud Expense Coverage	No Additional Information Needed.
HO 04 56	Special Loss Settlement	Percentage Amount of Full Replacement Cost
HO 04 58	Other Members of Your Household	Name Of Person Covered By This Endorsement
HO 04 59	Assisted Living Care Coverage	Name of Relative(s), Name & Location of Residency, Limit of Coverage E & F
HO 04 65	Coverage C Increased Special Limits of Liability	Increase In Limit Of Liability, Total Limit of Liability
HO 04 66	Coverage C Increased Special Limits of Liability (HO 00 05, HO 00 04 w/HO 05 24, HO 00 06 w/HO 17 31)	Increase In Limit Of Liability, Total Limit of Liability
HO 04 77	Ordinance or Law Coverage	New Total Percentage Amount (In increments of 25%)
HO 04 81	Actual Cash Value Loss Settlement	No Additional Information Needed
HO 04 90	Personal Property Replacement Cost Loss Settlement	No Additional Information Needed
HO 04 91	Coverage B-Other Structures Away From The Residence Premises	Description of Other Structure(s)- indicate how used with home.
HO 04 92	Specific Structures	Limit of Liability, Description & Location of Structure
HO 04 95	Water Back Up and Sump Overflow	No Additional Information Needed
HO 04 96	NO Section II-Liability Coverage for Home Day Care Business Limited Section I- Property Coverage	No Additional Information Needed – Mandatory Endorsement
HO 04 97	Home Day Care Coverage Endorsement	Number of Persons Receiving Day Care Services (Max 3 children-aggregate) # of employees, any physical alterations to residence, where in the residence is daycare located, If daycare is located in an other Structure on the residence need Limit of Liability & Description of Structure if coverage is desired.
HO 04 98	Refrigerated Property Coverage	No Additional Information Needed
HO 04 99	Sinkhole Collapse	No Additional Information Needed
HO 05 24	Special Personal Property Coverage	No Additional Information Needed
HO 05 27	Additional Insured – Student Living Away From Home The Residence Premises	Name and Address of Student, Name Of School
HO 05 28	Owned Motorized Golf Cart Physical Loss Coverage	Limit of Liability, Deductible, Does Collision Apply, Make or Model and Serial Or Motor Number. Where is Cart used.
HO 05 31	Functional Replacement Cost Loss Settlement	HCE Worksheet, apply Functional Replacement Cost Factor
HO 05 41	Extended Theft Coverage For Residence Premises Occasionally Rented To Others	Number of weeks rented and number owner occupied.
HO 05 43	Residence Held in Trust	Enter Name of Grantor or Beneficiary if they reside a residence premises.
HO 05 46	Landlord’s Furnishings	Description of Rented Unit, Increase in Limit of Liability, Total Limit Of Liability
HO 07 01	Home Business Insurance Coverage	Underwritten on an individual basis.
HO 17 31	Unit-Owners Coverage C Special Coverage Form HO 00 06 Only	No Additional Information Needed
HO-17 32	Unit-Owners Coverage A Special Coverage Form HO 00 06 Only	No Additional Information Needed
HO 17 33	Unit-Owners Rental To Others Form HO 00 06 Only	Need to know # of weeks the condominium is rented. Maximum Rental period of 12 weeks Primary/Secondary residence and 4 weeks for seasonal residence.
HO 17 34	Unit-Owners Modified Other Insurance and Service Agreement Condition Form HO 00 06 Only	No Additional Information Needed
HO 24 13	Incidental Low Power Recreational Motor Vehicle	Description of vehicles including miles per hour needed
HO 24 42	Coverage for Lead Poisoning-MA	Coverage E Lead Poisoning Liability Limit, Location(s) and description of each unit in the dwelling the coverage is being purchased for.
HO 24 43	Permitted Incidental Occupancies (Other Residence)	Description of Business & Location, # of employees, any physical alterations to residence, number of clients that visit the business on weekly basis.
HO 24 70	Additional Residence Rented to Others (1, 2, 3 or 4 Families)	Location, Number of Families and Year of Construction Maximum of 2 per policy. Properties under rehabilitation are ineligible.
HO 24 71	Business Pursuits	Name and Business Of Insured, Indicate if Corporal Punishment is desired
HO 24 75	Watercraft	Description & Length Of Watercraft & Inboard or Outboard Engine, Horsepower of Engine, Navigation Period, Owner of Outboard Engine If Not Owned by Insured.
HO-24 82	Personal Injury	No Additional Information Needed
RIATRE	Tentative Rate Endorsement	No Additional Information Needed – Mandatory Endorsement

Homeowners Policy

For an additional premium, Residence Held in Trust, Endorsement HO 05 43, provides the means to issue a Homeowners Policy in the name of a trust and trustee that owns a residence premises and insure the personal property and liability interests of the beneficiaries and/or grantors if residents of the dwelling.

Example 1 – Trustee(s) occupies the property:

John and Mary Smith sign their property over to a trust, the JMS Trust which names themselves, John and Mary Smith as Trustees. John and Mary Smith occupy the property. Title on policy is John and Mary Smith Trustees of the JMS Trust. Endorsement HO 05 43 is added to the policy. Both individuals must sign the application.

Example 2 – Beneficiary occupies the property:

John and Mary Smith sign their property over to a trust, the JMS Trust which names their son, Michael as trustee and their daughter Jane as Beneficiary. Jane is the sole occupant of the property. Title on policy should be Michael Smith Trustee of the JMS Trust. Endorsement HO 05 43 should be added naming Jane Smith Beneficiary of the JMS Trust. Both individuals must sign the application.

Example 3 – Grantor occupies the property:

John and Mary Smith sign their property over to a trust, the JMS Trust under which they retain a life estate and name their son, Michael as trustee. John and Mary occupy the property, Michael resides elsewhere. Title on policy should be Michael Smith Trustee of the JMS Trust. Endorsement HO 05 43 is added naming John and Mary Smith Grantors of the JMS Trust. All 3 individuals must sign the application. Note: If the Grantor and/or Beneficiary are not occupying the property they cannot be added to the policy using endorsement HO 05 43.

Dwelling and Commercial Policies

Example

John and Mary Smith sign their property over to a trust naming themselves as trustees. Title will read, “John and Mary Smith trustees of the John and Mary Smith Trust”.
Signatures of John and Mary Smith as trustees are required.

The Association’s Homeowners policy standards allow for the occasional rental of Homes primarily occupied by the named insured. The number of weeks allowed for rental is determined by how the property is occupied.

Primary and Secondary Homes – Homes that are occupied on a year round basis. Primary and Secondary homes may be rented annually for up to 12 weeks.

Seasonal Properties – Seasonal properties are properties that have a period of un-occupancy of at least 3 consecutive months per year. Seasonal Properties may be rented annually for up to 4 weeks.

Owner Occupied
Number of Apts.
Coverage L	1	2	3	4
$100,000	$105	$168	$210	$262
$200,000	$121	$193	$242	$301
$300,000	$130	$208	$260	$325
$400,000	$137	$218	$273	$341
$500,000	$142	$227	$284	$354

Coverage M	1	2	3	4
$1,000	$0	$0	$0	$0
$2,000	$5	$5	$5	$5
$3,000	$10	$10	$10	$10
$4000	$15	$15	$15	$15
$5,000	$20	$20	$20	$20

Tenant Occupied
Number of Apts.
Coverage L	1	2	3	4
$100,000	$89	$142	$315	$393
$200,000	$102	$163	$362	$452
$300,000	$110	$176	$391	$487
$400,000	$116	$185	$410	$511
$500,000	$120	$192	$425	$531

Coverage M	1	2	3	4
$1,000	$0	$0	$0	$0
$2,000	$2	$2	$2	$2
$3,000	$4	$4	$4	$4
$4,000	$6	$6	$6	$6
$5,000	$8	$8	$8	$8

Non Compliant Properties

The Following Premiums apply for Lead Liability Coverage when written as a standalone policy, as an endorsement to a Homeowners/Dwelling Liability Policy.

Rental units	$100k	$200k	$300k	$400k	$500k
1	$250	$288	$310	$325	$338
2	$400	$460	$496	$520	$540
3	$600	$690	$744	$780	$810
4	$675	$776	$837	$878	$911

Compliant Properties

The Following Premiums apply for Lead Liability Coverage when written as a standalone policy, as an endorsement to a Homeowners/Dwelling Liability Policy.
The following premium apply for Lead Liability Coverage for a Standalone policy e.g. surplus lines carrier:

Rental units	$100k	$200k	$300k	$400k	$500k
1	$25	$29	$31	$33	$34
2	$40	$46	$50	$52	$54
3	$60	$69	$74	$78	$81
4	$70	$81	$87	$91	$95

The ML 00 01 Minimum Premium is $50

RIJRA Compliant Property Homeowners Rating

The Level of Lead Hazard Compliance determines the Rate for Compliant properties insured with RIJRA.

Level of Compliance	Premium Factor
Lead Free	1.00
Lead Safe	1.01
Independent Clearance Inspection	1.02
Visual Inspection	1.03

RIJRA Compliant Property Dwelling Rating

The Level of Lead Hazard Compliance determines the Rate for Compliant properties insured with RIJRA.

Level of Compliance	Premium Factor
Lead Free	1.00
Lead Safe	1.01
Independent Clearance Inspection	1.05
Visual Inspection	1.10

Rating Procedure For Non-Compliant Properties

Step 1: Determine the Risk Classification from the Eligible Classifications Table 11.B. below:

Table 11.B. Eligible Classifications
Class Code	Description	Exposure Basis
60010	Apartment Buildings	Number of Units
60011	Apartment Buildings – garden	Number of Units
60012	Apartment Buildings or Hotels – time-sharing – less than 4 stories	Number of Units
60013	Apartment Buildings or Hotels – time-sharing – 4 stories or more	Number of Units
60015	Apartment Hotels – less than 4 stories	Number of Units
60016	Apartment Hotels – 4 stories or more	Number of Units
63010	Dwellings – one-family (lessor’s risk only)	Number of Dwellings
63011	Dwellings – two-family (lessor’s risk only)	Number of Dwellings
63012	Dwellings – three-family (lessor’s risk only)	Number of Dwellings
63013	Dwellings – four-family (lessor’s risk only)	Number of Dwellings
64500	Housing Projects – federal, state, local	Number of Units
67510	School – dormitory facilities – for profit	Area
67511	School – dormitory facilities – not for profit	Area

Step 2: Determine the Territory:

Territory 001:	City of Providence
Territory 002:	Cities of Johnston, North Providence, Pawtucket Townships of Central Falls, Cranston, East Providence
Territory 003:	Remainder of State

Step 3: Select the applicable initial rate from the Table 12.B.1. below:
Lead Liability Rates For Non-Compliant Properties

Table 12.B.1. Lead Liability Rates For Non-Compliant Properties
Class Code	Territory 001	Territory 002	Territory 003
60010	$78.00	$112.40	$84.10
60011	109.20	157.60	117.80
60012	130.60	189.50	140.90
60013	84.30	121.60	91.00
60015	92.10	139.30	101.90
60016	120.10	188.30	139.70
63010	165.30	237.00	178.10
63011	174.20	265.20	188.30
63012	233.10	336.90	252.30
63013	268.90	386.70	289.40
64500	32.10	32.10	32.10
67510	30.30	25.70	21.80
67511	35.20	25.70	21.80

Step 4: Select the appropriate Increased Limits factor from Table 12.B.2. below:
Lead Liability Increased Limit Factors For Compliant And Non-Compliant Properties (Limits are in thousands) $100/200 Basic Limit

Table 12.B.2. Lead Liability Increased Limit Factors For Compliant And Non-Compliant Properties
Per Occurrence
Aggregate	$ 25	50	100	200	300	500
$50	0.64	0.75
100	0.65	0.79	0.97
200	0.66	0.80	1.00	1.22
300	0.67	0.81	1.01	1.23	1.41
500		0.83	1.03	1.25	1.43	1.67
600		0.84	1.04	1.26	1.44	1.68
1,000			1.05	1.27	1.45	1.69

Step 5: Calculate the final rate as the product of the initial rate and the Increased Limits Factor determined in the paragraphs above.
Step 6: Determine the initial policy premium as the product of the final rate and the applicable exposure basis.
Step 7: Compare the initial policy premium against the policy minimum premium of $100. The final policy premium is the higher of the initial premium and the policy minimum premium.

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Rating Procedure For Compliant Properties

Step 1: Select the appropriate risk classification from Table 11.B.
Step 2: Select the applicable initial rate from Table 12.B.1 and multiply by Compliant Property Factors By Level Of Prima Facie Evidence Of Compliance from Table 12.B.3. below (If Level of Prima Facie Evidence Of Compliance from Table 12.B.3. is “lead free,” there is no charge.)

Table 12.B.3. Compliant Property Factors By Level Of Prima Facie Evidence Of Compliance
Level of Prima Facie Evidence Of Compliance	Factor
Lead Free	No Charge
Lead Safe	.01
Lead Mitigated:
Independent Clearance Inspection	.05
Visual Inspection	.10
Presumptive Compliance	.10

Step 3:Follow steps 4-7 above, unless the Level of Prima Facie Evidence Of Compliance is “lead free”.