Manuals

Dwelling Fire Program

The dwelling fire program is designed for dwellings and/or contents for 1 to 4 family dwellings. The Plan offers both a DP-1 and DP-2 with the following coverage limits for protection classes 1-10.
DP-1 Basic Form. Minimum coverage $1,000 with a maximum of $200,000.
DP-2 Broad Form. Minimum coverage $15,000 with a maximum of $200,000.
Vacant dwellings can only be written under the DP-1 program.
Mobile homes can only be written under the DP-1 program.

Coverage is limited and provided on an actual cash value basis.

Dwelling Fire Program Manual Revised – Effective 6/2018

Homeowners Program

The homeowners program is designed for owner occupied homes. The Plan offers various homeowner products:
HO-8 Modified Coverage Form. Minimum coverage $25,000 with a maximum of $200,000.
HO-2 Broad Form. Minimum coverage $35,000 with a maximum of $200,000.
HO-4 Contents Broad Form. Minimum coverage $5,000 with a maximum of $25,000.
HO-6 Unit-Owners Form. Minimum coverage for building $5,000 with a maximum of $200,000. Minimum coverage for contents of $5,000 with a maximum of $25,000.

Coverage is limited and provided on an actual cash value basis. Theft coverage is limited by endorsement. Refer to the manual for the coverages provided.

Homeowners Program Manual Revised – Effective 06/2018

Commercial Fire and Farm Fire Program

Risks and/or their contents designed for commercial purposes are eligible for coverage up to $1,000,000 per location in fire protection classes 1 through 9 and $250,000 (maximum, aggregate) for protection class 10. Farm exposures are eligible for coverage up to $250,000 in all protection classes. Coverage is limited and provided on an actual cash value basis

Commercial Fire & Farm Fire Manual Revised – Effective 06/2018