MD Insurance Bulletin 08-27
Property and casualty rate guides
RALPH S. TYLER
COMMISSIONER
BETH SAMMIS
DEPUTY COMMISSIONER
P. RANDI JOHNSON
ASSOCIATE COMMISSIONER
Property & Casualty
MARTIN O’MALLEY
GOVERNOR
ANTHONY G. BROWN
LIEUTENANT GOVERNOR
525 St. Paul Place, Baltimore, Maryland 21202-2272
www.mdinsruance.state.md.us
Bulletin 08-27
Date
October 24, 2008
To:
Select Property and Casualty Insurers
Re:
Homeowners Insurance Rate Guide
Private Passenger Automobile Insurance Rate Guide
Motorcycle Insurance Rate Guide
Recreational Vehicle and ATV Insurance Rate Guide
Boat and Personal Watercraft Insurance Rate Guide
*****************************************************************************
Pursuant to §19-112 of the Insurance Article, the Maryland Insurance Administration (“MIA”)
hereby requests that certain select personal lines property and casualty insurers provide
information related to homeowners (“HO”), private passenger automobile (“PPA”), Motorcycle
(“cycles”), Recreational Vehicles (“RV”) and All Terrain Vehicles (“ATV”), Boat and Personal
Watercraft (“PWC”) insurance premiums. This information is necessary for the MIA to publish
rate comparison guides for consumers. If you did not receive this bulletin directly from the
MIA, no further action is required on your part.
The information to be submitted are the annual premiums effective as of February 1, 2009, based
on the scenarios shown on the enclosed Premium Scenarios for each designated zip code/county
(PPA and HO), and for each designated scenario (Cycle/RV/ATV/Boat/PWC).
Provide the requested information in the Excel spreadsheet formats shown in the attached Excel
format exhibits for each type of guide.
Property and Casualty Bulletin
Page 2
In order to expedite this process, email transmission is requested and preferable. No paper
documents will be accepted. If unable to email, please send the information on a CD or diskette
to:
Mr. Linas Glemza
Property & Casualty Unit
Maryland Insurance Administration
525 St Paul Place
Baltimore, MD 21202
If you have any questions, please contact Linas Glemza at (410) 468-2044, or by email at
lglemza@mdinsurance.state.md.us.
Please provide this information no later than January 8, 2009. In addition, please refer to the
next page for a listing of revisions to this premium comparison request.
Ralph S. Tyler
Insurance Commissioner
By: ________________________________________
Randi Johnson
Associate Commissioner
Property & Casualty
Enclosures: Homeowners Premium Scenarios
Homeowners Excel Format
PPA Premium Scenarios
PPA Excel Format
Motorcycle Premium Scenarios
Motorcycle Excel Format
RV and ATV Premium Scenarios
RV and ATV Excel Formats
Boat and PWC Premium Scenarios
Boat and PWC Excel Formats
Data and File Requirements
February 2009
Property and Casualty Bulletin
Page 3
SUMMARY OF REVISIONS – February 2009 edition
The following are new:
1)
For all rate guides, all information must be submitted in one file. There should be ONLY
one file. Clarifying language is made on Page 7, Item 8. Thus the premiums for each guide
should be on their own spreadsheet tab (page), and the contact information must be on another
spreadsheet tab (or page), within the same excel file.
2)
The following PPA scenarios have VIN changes:
a) Scenario 4 has been revised to a 2007 Toyota Pruis VIN JTDKB20U07
b) Scenario 12 – both vehicles have been revised. First vehicle is now a 2008 Chevy
Tahoe Hybrid UTL 4x4 4dr VIN 1GNDC13508. Vehicle 2 has been revised to a 2005
Toyota Camry VIN 4T1BE30K15 (this was formerly in Scenario 4).
The following PPA scenarios have violation/accident clarifications:
c) Scenario 1 – clarify to be accident/violation free for 3 years
d) Scenarios 2, 8 and 12 – date reference point now provided for when accident or
violation occurred.
3)
Condos - Loss assessment coverage has been set at $5000 for each scenario,
4)
The Motorcycle Rate Guide.
5)
The RV and ATV rate guide.
6)
The Boat and PWC rate guide.
7)
Contact information has been updated to condense all contact info into one spreadsheet.
Though some insurance companies may have to submit from different locations, our goal is to
have as many rate guide submissions in one file as possible – where feasible.
February 2009
Property and Casualty Bulletin
Page 4
Homeowners Excel Format
All data must start in cell A2 of the spreadsheet. PLEASE use headers. Below lists the columns
in which the data must be placed. The placement of data must conform to this or the
submission will be returned. The data must be placed in the following columns:
Column
Description
(A)
NAIC Group Code
(B)
NAIC Company Code
(C)
Effective Date of rates (mm/dd/yyyy) for New Business
(D)
NAIC Company Name (NOT NAIC GROUP NAME)
(E)
LEAVE BLANK
(F)
Category of Risk (can vary by scenario). See page 1 of the Homeowners
Rate Guide Scenarios.
1 - if Preferred/Better than average risk
2 - if Standard/Average risk
3 - if Non-Standard/Below average risk
(G)
Scenario Code 1 through 6 as defined in the Homeowners Rate Guide
Scenarios.
For Each scenario code:
(H)
Annual Premium for zip code 21502
(I)
Annual Premium for zip code 21401
(J)
Annual Premium for zip code 21218
(K)
Annual Premium for zip code 21117
(L)
Annual Premium for zip code 20678
(M)
Annual Premium for zip code 21629
(N)
Annual Premium for zip code 21157
(O)
Annual Premium for zip code 21921
(P)
Annual Premium for zip code 20603
(Q)
Annual Premium for zip code 21613
(R)
Annual Premium for zip code 21701
(S)
Annual Premium for zip code 21550
(T)
Annual Premium for zip code 21014
(U)
Annual Premium for zip code 21044
(V)
Annual Premium for zip code 21620
(W)
Annual Premium for zip code 20855
(X)
Annual Premium for zip code 20769
(Y)
Annual Premium for zip code 21617
(Z)
Annual Premium for zip code 21853
(AA)
Annual Premium for zip code 20650
(AB)
Annual Premium for zip code 21601
(AC)
Annual Premium for zip code 21740
(AD)
Annual Premium for zip code 21804
(AE)
Annual Premium for zip code 21811
February 2009
Property and Casualty Bulletin
Page 5
PPA Excel Format
All data must start in cell A2 of the spreadsheet. PLEASE use headers. Below lists the
columns in which the data must be placed. The placement of data must conform to this or the
submission will be returned. The data must be placed in the following columns:
Column
Description
(A)
NAIC Group Code
(B)
NAIC Company Code
(C)
Effective Date of rates (mm/dd/yyyy) for New Business
(D)
NAIC Company Name (NOT NAIC GROUP NAME)
(E)
Insert an asterisk (*) if credit history is used in rating, otherwise, leave
blank.
(F)
Category of Risk (can vary by scenario). See page 1 of the PPA
Rate Guide Scenarios.
1 - if Preferred/Better than average risk
2 - if Standard/Average risk
3 - if Non-Standard/Below average risk
(G)
Scenario Code (1 through 12)
As defined in the PPA Rate Guide Scenarios.
For each scenario code:
(H)
Annual Premium for zip code 21502
(I)
Annual Premium for zip code 21401
(J)
Annual Premium for zip code 21218
(K)
Annual Premium for zip code 21117
(L)
Annual Premium for zip code 20678
(M)
Annual Premium for zip code 21629
(N)
Annual Premium for zip code 21157
(O)
Annual Premium for zip code 21921
(P)
Annual Premium for zip code 20603
(Q)
Annual Premium for zip code 21613
(R)
Annual Premium for zip code 21701
(S)
Annual Premium for zip code 21550
(T)
Annual Premium for zip code 21014
(U)
Annual Premium for zip code 21044
(V)
Annual Premium for zip code 21620
(W)
Annual Premium for zip code 20855
(X)
Annual Premium for zip code 20769
(Y)
Annual Premium for zip code 21617
(Z)
Annual Premium for zip code 21853
(AA)
Annual Premium for zip code 20650
(AB)
Annual Premium for zip code 21601
(AC)
Annual Premium for zip code 21740
(AD)
Annual Premium for zip code 21804
(AE)
Annual Premium for zip code 21811
February 2009
Property and Casualty Bulletin
Page 6
Motorcycle Excel Format
All data must start in cell A2 of the spreadsheet. PLEASE use headers. Below lists the
columns in which the data must be placed. The placement of data must conform to this or the
submission will be returned. The data must be placed in the following columns:
Column
Description
(A)
NAIC Group Code
(B)
NAIC Company Code
(C)
Effective Date of rates (mm/dd/yyyy) for New Business
(D)
NAIC Company Name (NOT NAIC GROUP NAME). Use the name as
you would like it to appear on the rate guide.
(G)
Insert an asterisk (*) if credit history is used in rating, otherwise, leave
blank.
(H)
Policy Attachment
1 - if no PPA or HO is required within the company
2 - if a PPA policy is required within the company
3 - if an HO Policy is required within the company
(G)
Territory code
1 for zip code 21921
2 for zip code 21701
3 for zip code 20901
4 for zip code 21144
`
5 for zip code 21207
For each scenario code:
(H)
Annual Premium for Scenario 1
(I)
Annual Premium for Scenario 2
(J)
Annual Premium for Scenario 3
(K)
Annual Premium for Scenario 4
(L)
Annual Premium for Scenario 5
(M)
Annual Premium for Scenario 6
(N)
Annual Premium for Scenario 7
(O)
Annual Premium for Scenario 8
(P)
Annual Premium for Scenario 9
(Q)
Annual Premium for Scenario 10
(R)
Annual Premium for Scenario 11
(S)
Annual Premium for Scenario 12
(T)
Annual Premium for Scenario 13
(U)
Annual Premium for Scenario 14
(V)
Annual Premium for Scenario 15
(W)
Annual Premium for Scenario 16
(X)
Annual Premium for Scenario 17
(Y)
Annual Premium for Scenario 18
(Z)
Annual Premium for Scenario 19
(AA)
Annual Premium for Scenario 20
(AB)
Annual Premium for Scenario 21
(AC)
Annual Premium for Scenario 22
(AD)
Annual Premium for Scenario 23
(AE)
Annual Premium for Scenario 24
February 2009
Property and Casualty Bulletin
Page 7
Recreational Vehicles Excel Format
All data must start in cell A2 of the spreadsheet. PLEASE use headers. Below lists the
columns in which the data must be placed. The placement of data must conform to this or the
submission will be returned. The data must be placed in the following columns:
Column
Description
(A)
NAIC Group Code
(B)
NAIC Company Code
(C)
Effective Date of rates (mm/dd/yyyy) for New Business
(D)
NAIC Company Name (NOT NAIC GROUP NAME). Use the name as
you would like it to appear on the rate guide.
(E)
Insert an asterisk (*) if credit history is used in rating, otherwise, leave
blank.
(F)
Policy Attachment
1 - if no PPA or HO is required
2 - if a PPA policy is required within the company
3 - if an HO Policy is required within the company
(G)
Territory group zip code:
1 – for zip code 21921
2 – for zip code 21701
3 – for zip code 20901
4 – for zip code 21144
For each scenario code:
(H)
Annual Premium for Scenario 1
(I)
Annual Premium for Scenario 2
(J)
Annual Premium for Scenario 3
(K)
Annual Premium for Scenario 4
(L)
Annual Premium for Scenario 5
(M)
Annual Premium for Scenario 6
(N)
Annual Premium for Scenario 7
(O)
Annual Premium for Scenario 8
(P)
Annual Premium for Scenario 9
(Q)
Annual Premium for Scenario 10
(R)
Annual Premium for Scenario 11
(S)
Annual Premium for Scenario 12
(T)
Annual Premium for Scenario 13
(U)
Annual Premium for Scenario 14
(V)
Annual Premium for Scenario 15
(W)
Annual Premium for Scenario 16
(X)
Annual Premium for Scenario 17
(Y)
Annual Premium for Scenario 18
(Z)
Annual Premium for Scenario 19
(AA)
Annual Premium for Scenario 20
(AB)
Annual Premium for Scenario 21
(AC)
Annual Premium for Scenario 22
(AD)
Annual Premium for Scenario 23
(AE)
Annual Premium for Scenario 24
(AF)
Annual Premium for Scenario 25
(AG)
Annual Premium for Scenario 26
(AH)
Annual Premium for Scenario 27
February 2009
Property and Casualty Bulletin
Page 8
ATV’s and Snowmobiles Excel Format
All data must start in cell A2 of the spreadsheet. PLEASE use headers. Below lists the
columns in which the data must be placed. The placement of data must conform to this or the
submission will be returned. The data must be placed in the following columns:
Column
Description
(A)
NAIC Group Code
(B)
NAIC Company Code
(C)
Effective Date of rates (mm/dd/yyyy) for New Business
(D)
NAIC Company Name (NOT NAIC GROUP NAME). Use the name as
you would like it to appear on the rate guide.
(E)
Insert an asterisk (*) if credit history is used in rating, otherwise, leave
blank.
(F)
Policy Attachment
1 - if no PPA or HO is required
2 - if a PPA policy is required within the company
3 - if an HO Policy is required within the company
(G)
Territory group zip code:
1 – for zip code 21921
2 – for zip code 21701
3 – for zip code 20901
4 – for zip code 21144
For each scenario code:
(H)
Annual Premium for Scenario 1
(I)
Annual Premium for Scenario 2
(J)
Annual Premium for Scenario 3
(K)
Annual Premium for Scenario 4
(L)
Annual Premium for Scenario 5
(M)
Annual Premium for Scenario 6
(N)
Annual Premium for Scenario 7
(O)
Annual Premium for Scenario 8
(P)
Annual Premium for Scenario 9
(Q)
Annual Premium for Scenario 10
(R)
Annual Premium for Scenario 11
(S)
Annual Premium for Scenario 12
(T)
Annual Premium for Scenario 13
(U)
Annual Premium for Scenario 14
(V)
Annual Premium for Scenario 15
(W)
Annual Premium for Scenario 16
(X)
Annual Premium for Scenario 17
(Y)
Annual Premium for Scenario 18
February 2009
Property and Casualty Bulletin
Page 9
Boat (Watercraft) Excel Format
All data must start in cell A2 of the spreadsheet. PLEASE use headers. Below lists the
columns in which the data must be placed. The placement of data must conform to this or the
submission will be returned. The data must be placed in the following columns:
Column
Description
(A)
NAIC Group Code
(B)
NAIC Company Code
(C)
Effective Date of rates (mm/dd/yyyy) for New Business
(D)
NAIC Company Name (NOT NAIC GROUP NAME). Use the name as
you would like it to appear on the rate guide.
(E)
Insert an asterisk (*) if credit history is used in rating, otherwise, leave
blank.
(F)
Policy Attachment
1 - if no PPA or HO is required
2 - if a PPA policy is required within the company
3 - if an HO Policy is required within the company
(G)
Territory group:
1 – Cheaspeake Bay, tributaries and other inland bodies of water only
2 – with Atlantic Ocean exposure
For each scenario code:
(H)
Annual Premium for Scenario 1
(I)
Annual Premium for Scenario 2
(J)
Annual Premium for Scenario 3
(K)
Annual Premium for Scenario 4
(L)
Annual Premium for Scenario 5
(M)
Annual Premium for Scenario 6
(N)
Annual Premium for Scenario 7
(O)
Annual Premium for Scenario 8
(P)
Annual Premium for Scenario 9
(Q)
Annual Premium for Scenario 10
(R)
Annual Premium for Scenario 11
(S)
Annual Premium for Scenario 12
(T)
Annual Premium for Scenario 13
(U)
Annual Premium for Scenario 14
(V)
Annual Premium for Scenario 15
(W)
Annual Premium for Scenario 16
(X)
Annual Premium for Scenario 17
(Y)
Annual Premium for Scenario 18
(Z)
Annual Premium for Scenario 19
(AA)
Annual Premium for Scenario 20
(AB)
Annual Premium for Scenario 21
(AC)
Annual Premium for Scenario 22
(AD)
Annual Premium for Scenario 23
(AE)
Annual Premium for Scenario 24
(AE)
Annual Premium for Scenario 25
(AE)
Annual Premium for Scenario 26
(AE)
Annual Premium for Scenario 27
February 2009
Property and Casualty Bulletin
Page 10
Personal Watercraft Excel Format
All data must start in cell A2 of the spreadsheet. PLEASE use headers. Below lists the
columns in which the data must be placed. The placement of data must conform to this or the
submission will be returned. The data must be placed in the following columns:
Column
Description
(A)
NAIC Group Code
(B)
NAIC Company Code
(C)
Effective Date of rates (mm/dd/yyyy) for New Business
(D)
NAIC Company Name (NOT NAIC GROUP NAME). Use the name as
you would like it to appear on the rate guide.
(E)
Insert an asterisk (*) if credit history is used in rating, otherwise, leave
blank.
(F)
Policy Attachment
1 - if no PPA or HO is required
2 - if a PPA policy is required within the company
3 - if an HO Policy is required within the company
(G)
Territory group:
1 – Cheaspeake Bay, tributaries and other inland bodies of water only
2 – with Atlantic Ocean exposure
For each scenario code:
(H)
Annual Premium for Scenario 1
(I)
Annual Premium for Scenario 2
(J)
Annual Premium for Scenario 3
(K)
Annual Premium for Scenario 4
(L)
Annual Premium for Scenario 5
(M)
Annual Premium for Scenario 6
(N)
Annual Premium for Scenario 7
(O)
Annual Premium for Scenario 8
(P)
Annual Premium for Scenario 9
(Q)
Annual Premium for Scenario 10
(R)
Annual Premium for Scenario 11
(S)
Annual Premium for Scenario 12
February 2009
Property and Casualty Bulletin
Page 11
DATA and FILE Requirements
Requirements:
1)
ALL ENTRIES MUST IN NUMERIC FORMAT, except for Columns D and E.
Column C should be formatted in date format.
2)
For columns where rates are not available, please fill in “n/a”. These columns start with
Column (H) through as far as (AH) depending on the number of scenarios requested.
3)
For the Premiums, use numeric format (zero decimal places). Round off to whole
numbers.
4)
All information MUST be in one file. Refer to the layout file.
5)
Filing naming convention
a) File name should contain NAIC group code (or NAIC Company code if group
code is zero). Using company name is an acceptable alternative.
b) File name should contain FEB09 or 0209 in it;
b) There are no other specific requirements for naming convention.
6)
Spreadsheet detail requirements:
a) Arial font with font size of 12. Use default color of black;
b) Do not use 1000 separator (i.e. comma);
c) Premiums must be rounded to ZERO decimal places;
d) Do not use currency format;
e) Except for Company name and the asterisk for credit use, all other cells must
be in numeric format. Do not use all caps for company name;
f) Do not submit formulas;
g) Row height is 12.75 (Excel default). Company name column width MUST be
set to 34.14. Company name must fit within this setting. There are no specific
width requirements for the remaining columns;
h) Do not activate “Wrap Text”;
i) Do not use borders or colored/highlighted cells;
j) The Effective Date of Rates is to be formatted in date format.
For any other formatting issue, use the Excel default parameters.
7)
We allow companies to submit disclaimers to their submissions. Due to space
limitations, please keep it brief. Place disclaimers on the same spreadsheet page as
the premiums. Do not place any symbols next to premiums to explain a disclaimer.
February 2009
Property and Casualty Bulletin
Page 12
8)
For the following information, create a new spreadsheet tab or page (not a file),
and provide the following information (we encourage to name this tab Contact):
Column A - Type of Guide (pre-filled)
For each type of Guide (as contact info may vary
Column B - Contact Name
Column C - Company Name
Column D - Company Address 1 (can also be Department name)
Column E - Company Address 2
Column F - City/State/Zip
Column G - Phone number
Column H - Fax number
Column I - Email address of contact name. DO NOT SUBMIT THIS
In HTML format. Text only.
Column J - An 800/888/866 (toll free) that your company uses for
customer/consumer inquiries.
Column K - website address for customer/consumer inquiries. DO NOT
SUBMIT in HTML format. Text only.
For column I, if your company does not have a phone number for this purpose, please
use the phrase “See Yellow Pages”.
February 2009
Homeowners Rate Guide Scenarios – February 2009
Provide premiums, effective February 1, 2009, based on the attached scenarios and instructions for each designated zipcode (county, city/town) by January 8,
2009. Provide the requested information in the Excel spreadsheet format as shown on the enclosed “Homeowners Excel Format”.
Provide annual premiums for the insurer’s rating territory that most closely corresponds to the county/city or to the zip code designated for that county/city.
Provide the total policy premium for each rating scenario for the noted geographic locations.
Provide coverage under Special Form HO-3. Dollar values indicated in the scenarios are “insured for” values. If Special Form HO-3 is not offered by the
company, than report rates for the company’s most comparable coverage. Explain the details of the substitution. Attach an addendum if necessary.
If your company has multiple tiers, determine tier placement by the information provided in the rating scenarios. If a scenario does not provide sufficient
information for tier placement, place the subject of the scenario in the middle or standard tier.
Calculate the homeowners, condominium, and renters premiums without applying any discounts or surcharges.
Water & Sewer Endorsement: Provide the maximum limit of coverage offered and the premium associated with that limit pursuant to §19-201.
Please round off to whole dollars.
Scenarios 1 – 4: Homeowners Policy Scenarios
Rate all Scenarios using 1 to 2 Family Units
Zip Code / County
Scenario 1
Scenario 2
Scenario 3
Scenario 4
21502 – Allegany
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21401 - Anne Arundel
Home Value - 200,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 250,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 350,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value – 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
February 2009
1
21218 - Baltimore City
Home Value - 100,000
Frame
Protection Class 1
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 150,000
Frame
Protection Class 1
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Masonry
Protection Class 1
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value – 200,000
Frame
Protection Class 1
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21117- Baltimore
County
Home Value - 200,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 250,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
20678 - Calvert
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21629 - Caroline
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
February 2009
2
21157 - Carroll
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 250,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 250,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 350,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21921 Cecil
Home Value - 125,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 350,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
20603 Charles
Home Value - 100,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 250,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21613 - Dorchester
Home Value - 225,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 375,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 375,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 450,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21701 - Frederick
Home Value -150,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 250,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 250,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 300,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
February 2009
3
21550 - Garrett
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21014 - Harford
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 225,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 325,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21044 - Howard
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21620 - Kent
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
20855 - Montgomery
Home Value - 225,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 375,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 375,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 450,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
February 2009
4
20769 - Prince
George's
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21617 – Queen Anne’s
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21853 - Somerset
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
20650 St. Mary's
Home Value - 125,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 350,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21601 - Talbot
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
February 2009
5
21740 - Washington
Home Value - 175,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 275,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 300,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 400,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21804 - Wicomico
Home Value - 100,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 250,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
21811 - Worcester
Home Value - 100,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Frame
Protection Class 5
Replacement Cost - Contents
$500 - Deductible
Water & Sewer Endorsement
$100,000 Liability
Home Value - 200,000
Masonry
Protection Class 5
Replacement Cost - Contents
$1,000 - Deductible
Water & Sewer Endorsement
$300,000 Liability
Home Value - 250,000
Frame
Protection Class 5
Replacement Cost - Contents
$1,000 – Deductible
Water & Sewer Endorsement
$300,000 Liability
February 2009
6
Scenario 5: Condominium Policy
Rate all Scenarios using Frame Construction
Zip Code
/ County
Scenario Detail by zip code
Zip Code /
County
Scenario Detail by zip code
Zip Code /
County
Scenario Detail by zip code
21502 -
Alleghany
Replacement Cost for Coverage C
Coverage C Amount = $100,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage $5000
20603 -
Charles
Replacement Cost for Coverage
C
Coverage C Amount = $100,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
$5000
20769 - Prince
George's
Replacement Cost for Coverage C
Coverage C Amount = $100,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage $5000
21401 -
Anne
Arundel
Replacement Cost for Coverage C
Coverage C Amount = $100,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage $5000
21613 -
Dorchester
Replacement Cost for Coverage
C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
$5000
21617 – Queen
Annes’s
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage $5000
21218-
Baltimore
City
Replacement Cost for Coverage C
Coverage C Amount = $100,000
Protection Class 1
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage $5000
21701 -
Frederick
Replacement Cost for Coverage
C
Coverage C Amount = $100,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
$5000
21853 -
Somerset
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage $5000
21117 –
Baltimore
County
Replacement Cost for Coverage C
Coverage C Amount = $100,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage $5000
21550 -
Garrett
Replacement Cost for Coverage
C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
$5000
20650 St
Mary’s
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage $5000
February 2009
7
Zip Code
/ County
Scenario Detail by zip code
Zip Code /
County
Scenario Detail by zip code
Zip Code /
County
Scenario Detail by zip code
20678 -
Calvert
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage $5000
21014 -
Harford
Replacement Cost for Coverage
C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
$5000
21601 Talbot
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage $5000
21629-
Caroline
Replacement Cost for Coverage C
Coverage C Amount = $100,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage $5000
21044 -
Howard
Replacement Cost for Coverage
C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
$5000
21740
Washington
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage $5000
21157 -
Carroll
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage $5000
21620 - Kent
Replacement Cost for Coverage
C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
$5000
21804
Wicomico
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage $5000
21921 -
Cecil
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage $5000
20855 -
Montgomery
Replacement Cost for Coverage
C
Coverage C Amount = $125,000
Protection Class 5
$500 - Deductible
$300,000 Liability
Loss Assessment Coverage
$5000
21811
Worcester
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$100,000 Liability
Loss Assessment Coverage $5000
February 2009
8
Scenario 6: Renters Policy
Rate all Scenarios using Frame Construction
Zip Code
/ County
Scenario Detail by zip code
Zip Code /
County
Scenario Detail by zip code
Zip Code /
County
Scenario Detail by zip
code
21502 -
Allegany
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
20603 - Charles
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
20769 - Prince
George's
Replacement Cost for
Coverage C
Coverage C Amount =
$75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
21401 -
Anne
Arundel
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21613 -
Dorchester
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
21617 – Queen
Anne’s
Replacement Cost for
Coverage C
Coverage C Amount =
$50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21218 -
Baltimore
City
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 1
$500 - Deductible
$100,000 Liability
21701 - Frederick
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
21853 -
Somerset
Replacement Cost for
Coverage C
Coverage C Amount =
$50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21117-
Baltimore
County
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21550 - Garrett
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
20650 St.
Mary's
Replacement Cost for
Coverage C
Coverage C Amount =
$50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
February 2009
9
Zip Code
/ County
Scenario Detail by zip code
Zip Code /
County
Scenario Detail by zip code
Zip Code /
County
Scenario Detail by zip
code
20678 -
Calvert
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21014 - Harford
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
21601 - Talbot
Replacement Cost for
Coverage C
Coverage C Amount =
$50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21629 -
Caroline
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 1
$500 - Deductible
$100,000 Liability
21044 - Howard
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
21740 -
Washington
Replacement Cost for
Coverage C
Coverage C Amount =
$50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21157-
Carroll
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21620 - Kent
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
21804 -
Wicomico
Replacement Cost for
Coverage C
Coverage C Amount =
$50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
21921 -
Cecil
Replacement Cost for Coverage C
Coverage C Amount = $50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
20855 -
Montgomery
Replacement Cost for Coverage C
Coverage C Amount = $75,000
Protection Class 5
$500 - Deductible
$300,000 Liability
21811 -
Worcester
Replacement Cost for
Coverage C
Coverage C Amount =
$50,000
Protection Class 5
$500 - Deductible
$100,000 Liability
February 2009
10
February 2009
1
PPA Rate Guide Scenarios February 2009
Provide premiums, effective February 1, 2009, based on the below listed scenarios and instructions for each designated
zip code (county, city/town) by January 8, 2009. Provide the requested information in the excel format attached.
Provide annual premiums for the insurer's rating territory that most closely corresponds to the town or city limits or to the
zip code designated for that county.
Counties for which forms are required; Designated cities or towns and Zip Codes:
County
City/Town
Zip Code
Allegany
Anne Arundel
Cumberland
Annapolis
21502
21401
Not Applicable
Baltimore City
21218
Baltimore
Owings Mills
21117
Calvert
Caroline
Carroll
Cecil
Charles
Dorchester
Prince Frederick
Denton
Westminster
Elkton
Waldorf
Cambridge
20678
21629
21157
21921
20603
21613
Frederick
Garrett
Frederick (City)
Oakland
21701
21550
Harford
Howard
Kent
Belair
Columbia
Chestertown
21014
21044
21620
Montgomery
Rockville
20855
Prince George's
Queen Anne’s
Somerset
Glenn Dale
Centreville
Princess Anne
20769
21617
21853
St. Mary's
Talbot
Washington
Leonardtown
Easton
Hagerstown
20650
21601
21740
Wicomico
Worcester
Salisbury
Berlin
21804
21811
If your company has multiple tiers, determine tier placement by the information provided in the rating scenarios. If a
scenario does not provide sufficient information for tier placement, place the subject of the scenario in the middle or
standard tier. Reference date point for surcharges and other date related items is February 1, 2009.
The following abbreviations are used in this form:
•
"COMP" means comprehensive or other than collision coverage;
•
"PIP" means personal injury protection; and
•
"UM" means uninsured motorist coverage.
•
“COLL” means collision coverage
Scenarios: For each scenario listed, provide the total annual policy premium (rounded off to whole dollars) in the
format shown on the enclosed “PPA Excel Format”. The scenarios use ISO 10 digit VIN’s. If you do not use ISO
VIN’s, use comparable VIN’s as appropriate. Otherwise, do not modify the scenarios.
Scenario 1:
Young Single
Male
Age 23. Rents an apartment. Do not apply companion policy discount.
Drives a 2003 Honda CR-V EX UTL4x4 VIN SHSRD78803
If credit is used to determine premium, then calculate as if there was no credit history.
Drives 15 miles each day total for work. Drives 15,000 miles annually.
No accidents or violations in past 3 years.
Liability $20,000/$40,000/$15,000
Full PIP $2,500
UM $20,000/$40,000/$15,000
COMP $250 deductible
COLL $500 deductible
February 2009
2
Scenario 2:
Young Single
Female
Age 23. Rents an apartment. Do not apply companion policy discount.
Drives a 2003 Jeep Liberty Limited UTL4x4 4DR VIN 1J4DL58K03
If credit is used to determine premium, then calculate as if there was no credit history.
Drives 35 miles each way to/from work. Drives 15,000 miles annually.
Speeding ticket 19 months – 10 miles over the speed limit.
Liability $20,000/$40,000/$15,000
Full PIP $2,500
UM $20,000/$40,000/$15,000
COMP $250 deductible
COLL $500 deductible
Scenario 3:
Single Male
Age 30 Homeowner. Apply a companion homeowners policy discount.
Drives a 2006 Subaru Forester 2.5x Premium AWD VIN JF1SG65606
If credit is used to determine premium, then calculate as if the driver has no credit history.
Drives 50 miles each day total for work. Drives 25,000 miles annually.
No accidents or violations in past 3 years.
Liability $100,000/$300,000/$50,000
Limited PIP $2,500
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $500 deductible
Scenario 4:
Single Female
Age 30 Homeowner. Apply a companion homeowners policy discount.
Drives a 2007 Toyota Prius HCHBK VIN JTDKB22U07
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Drives 20 miles each way to/from work and 15,000 miles annually.
No accidents or violations in the past 3 years.
Liability $100,000/$300,000/$50,000
Limited PIP $2,500
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $500 deductible
Scenario 5:
Single Male
Age 50. Homeowner. Apply a companion homeowners policy discount.
Drives a 2005 Ford F-250 4x4 4DR VIN 1FTDW21505
Drives 60 miles each day total for work – business use. Drives 25,000 miles annually.
Second vehicle – 1990 Camaro RS Convertible VIN 1G1FP33E0L
Pleasure use only – drives 3000 miles per year. Garage kept
If credit is used to determine premium, then calculate as if the driver has the best credit history.
No accidents or violations in past 3 years.
Liability $100,000/$300,000/$50,000
Limited PIP $2,500
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $500 deductible
February 2009
3
Scenario 6:
Senior Citizen
Single Male
Age 65. Homeowner. Apply a companion homeowners policy discount.
Drives a 2001 Buick Regal GSW SED 4DR VIN 2G4WF55101
Drives 5000 miles a year
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Retired – Pleasure use only.
No accidents or violations in past 3 years.
Liability $100,000/$300,000/$50,000
Limited PIP $2,500
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $500 deductible
Scenario 7:
Senior Citizen
Single Female
Age 65. Does not own a home. Do not apply any companion policy discount.
Drives a 2004 Honda Accord Coupe LX VIN 1HGCM71304
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Retired – Pleasure use only – drives 5000 miles annually.
No accidents or violations in past 3 years.
Liability $100,000/$300,000/$50,000
Limited PIP $2,500
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $500 deductible
Scenario 8:
Family Rate
Premiums given should include coverage for 2 vehicles and 3 drivers, with a multi-car discount and a
companion homeowners discount, where available.
Married Male
Age 45
Drives a 2002 Jeep Grand Cerokee UTL4x2 4DR VIN 1J8GX48S02
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Drives 30 miles each way to/from work. Drives 20,000 miles annually.
No accidents or violations in past 3 years.
Liability $250,000/$500,000/$100,000
Limited PIP $2,500
UM $250,000/$500,000/$100,000
COMP $250 deductible
COLL $500 deductible
Married Female
Age 45
Drives a 2005 Dodge Caravan SE 4x2 VIN 1D4FP25R05
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Drives 15 miles each day total for work. Drives 15,000 miles annually.
No accidents or violations in past 3 years.
Liability $250,000/$500,000/$100,000
Limited PIP $2,500
UM $250,000/$500,000/$100,000
COMP $250 deductible
COLL $500 deductible
Young Single Male
Age 17
Does not have his own vehicle—he is an occasional driver of the 2005 Dodge.
Has 1 year of driving experience.
Took a driver training course.
Has a B average in school.
Speeding ticket 6 months ago – 10 miles over the speed limit.
February 2009
4
Scenario 9:
Family Rate
Premiums given should include coverage for 2 vehicles and 2 drivers, with a multi-car discount and a
companion homeowners discount, where available.
Married Male Age 35. Homeowner.
Drives a 2004 Dodge Durango LTD UTL4x4 4DR VIN 1D8HB58D04
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Drives 45 miles each day total for work. Drives 35,000 miles annually. Self-employed.
No accidents or violations in past 3 years.
Liability $250,000/$500,000/$100,000
Limited PIP $2,500
UM $250,000/$500,000/$100,000
COMP $250 deductible
COLL $500 deductible
Married Female Age 32. Homeowner.
Drives a 2005 Nissan Altima 4DR VIN 1N4AL11D05
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Drives 10 miles each way to/from work. Drives 15,000 miles annually.
No accidents or violations in past 3 years.
Liability $250,000/$500,000/$100,000
Limited PIP $2,500
UM $250,000/$500,000/$100,000
COMP $250 deductible
COLL $500 deductible
Two children under age 12
Scenario 10:
Family Rate
Premiums given should include coverage for 2 vehicles and 2 drivers, with a multi-car discount and a
companion homeowners discount, where available.
Married Male Age 26. Homeowner.
Drives a 2004 Chevrolet S-10 PKP 4x4 4DR VIN 1GCHT13X04
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Drives 10 miles each way to/from work. Drives 20,000 miles annually.
No accidents or violations in past 3 years.
Liability $250,000/$500,000/$100,000
Limited PIP $2,500
UM $250,000/$500,000/$100,000
COMP $250 deductible
COLL $500 deductible
Married Female Age 24. Homeowner.
Drives a 2006 Toyota Sienna Wag 4x2 VIN 5TDZA23C06
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Does not work, but drives locally about 5,000 miles annually.
No accidents or violations in past 3 years.
Liability $250,000/$500,000/$100,000
Limited PIP $2,500
UM $250,000/$500,000/$100,000
COMP $250 deductible
COLL $500 deductible
One child under age 2.
February 2009
5
Scenario 11:
Family Rate
Premiums given should include coverage for 2 vehicles and 2 drivers, with a multi-car discount. Do not
apply a companion policy discount.
Married Male Age 29. Rents a home.
Drives a 2000 Chevrolet Silverado 1500 PKP 4x2 2DR VIN 1GCCC14V0Y
If credit is used to determine premium, then calculate as if the driver has no credit history.
Drives 20 miles each way to/from work. Drives 15,000 miles annually.
No accidents or violations in past 3 years.
Liability $20,000/$40,000/$15,000
Limited PIP $2,500
UM $20,000/$40,000/$15,000
COMP $250 deductible
COLL $500 deductible
Married Female Age 29. Rents a home.
Drives a 2000 Ford Taurus SE WAG 4DR VIN 1FAFP58S0Y
If credit is used to determine premium, then calculate as if the driver has no credit history.
Works part time, but drives 5,000 miles annually.
No accidents or violations in past 3 years.
Liability $20,000/$40,000/$15,000
Limited PIP $2,500
UM $20,000/$40,000/$15,000
COMP $250 deductible
COLL $500 deductible
Two children under age 12
Scenario 12:
Family Rate
Premiums given should include coverage for 2 vehicles and 2 drivers, with a multi-car discount and a
companion homeowners discount, where available.
Married Male Age 39. Homeowner.
Drives a 2008 Chevy Tahoe Hybrid UTL 4x4 4DR VIN 1GN0K13508
If credit is used to determine premium, then calculate as if the driver has the worst credit history.
Drives 30 miles each way to/from work. Drives 35,000 miles annually. Self-employed.
One at fault accident 15 months ago – paid claim in excess of $10,000.
Liability $100,000/$300,000/$50,000
Limited PIP $2,500
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $500 deductible
Married Female Age 39. Homeowner.
Drives a 2005 Toyota Camry VIN 4T1BE30K15
If credit is used to determine premium, then calculate as if the driver has the worst credit history.
Does not work, but drives locally about 5000 miles annually.
No accidents or violations in past 3 years.
Liability $100,000/$300,000/$50,000
Limited PIP $2,500
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $500 deductible
Two children under age 14.
February 2009
1
Motorcycle Rate Guide Scenarios 2009
Provide premiums, effective February 1, 2009, based on the below listed scenarios and instructions for each designated
territory by January 8, 2009. Provide the requested information in an excel spreadsheet file.
If your company has multiple tiers, determine tier placement by the information provided in the rating scenarios. If a
scenario does not provide sufficient information for tier placement, place the subject of the scenario in the middle or
standard tier. Reference date point for surcharges and other date related items is February 1, 2009.
The following abbreviations are used in this form:
•
"COMP" means comprehensive or other than collision coverage;
•
"UM" means uninsured motorist coverage.
•
“COLL” means collision coverage
Scenarios: For each scenario listed, provide the total annual policy premium (rounded off to whole dollars) in the
format shown on the enclosed “Motorcycle Excel Format” file layout page. Otherwise, do not modify the
scenarios.
Scenario 1:
Single Female
Harley
Davidson
Age 24. Renter. 2000 Harley Davidson Sportster XLC883, 883 CC. VIN = 1HD4CJM13Y
If credit is used to determine premium, then calculate as if there was no credit history.
Drives 18 miles total for work on occasion. 6 months driving experience.
No accidents or violations in past 3 years.
Liability $25,000/$50,000/$25,000
Med Pay $2,000
UM $25,000/$50,000/$25,000
COMP $500 deductible COLL $500 deductible
Optional Equipment coverage $2000
Scenario 2:
Single Male
Harley
Davidson
Age 35. Renter. 2005 Harley Davidson FL Road King 1450CC. VIN = 1HD1FDV116
If credit is used to determine premium, then calculate as if there was no credit history.
Drives 20 miles total for work on occasion. No accidents or violations in past 3 years.
Liability $20,000/$40,000/$15,000
Med Pay $2,000
UM $20,000/$40,000/$15,000
COMP $250 deductible
COLL $250 deductible
Optional Equipment coverage of $3000.
Scenario 3:
Single Male
Harley
Davidson
Age 47 Homeowner. 1993 Harley Davidson Touring FLHTC 1340 CC. VIN = 1HD1DJL19P
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Pleasure use only. No accidents or violations in past 3 years.
Liability $100,000/$300,000/$50,000
Med Pay $2,000
UM $100,000/$300,000/$50,000
COMP $500 deductible
COLL $500 deductible
Optional Equipment Coverage $9,000
Scenario 4:
Married Male
Harley
Davidson
Age 51. Homeowner. 2008 Harley Davidson V-Rod VRSCAW. 1250 CC. VIN = 1HD1HFH108
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Pleasure use only. No accidents or violations in past 3 years.
Liability $100,000/$300,000/$50,000
Med Pay $2,000
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $250 deductible
Optional Equipment Coverage $6,000
February 2009
2
Scenario 5:
Married Male
Harley
Davidson
Age 55. Homeowner. 1999 Harley Davidson Fat Boy FLSTF Softail 1340 cc. VIN = 1HD1BML14X
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Pleasure use only. No accidents or violations in past 3 years.
Liability $100,000/$300,000/$50,000
Med Pay $5,000
UM $100,000/$300,000/$50,000
COMP $500 deductible
COLL $500 deductible
Optional Equipment Coverage $4,000
Scenario 6:
Family
Harley
Davidson
Male Age 55 and Female Age 52. Homeowners. Policy limits the same for both.
Male Drives 2005 Harley Davidson FLHTCUI Electra Glide Ultra 1450 CC. VIN = 1HD1FCW155
Female drives a 2003 Harley Davidson Sportster 1200 XLC 1200 CC. VIN = 1HD1CGP193
Pleasure use only. No accidents or violations in past 3 years.
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Liability $100,000/$300,000/$50,000
Med Pay $5,000
UM $100,000/$300,000/$50,000
COMP $500 deductible
COLL $500 deductible
Optional Equipment Coverage $5000 each
Scenario 7:
Married Male
Harley
Davidson
restored
Age 60. Renter. Drives a 1979 Harley-Davidson Shovelhead FXE wide glide low rider. 1200 CC.
VIN = 7657927H9. Stated value of $30,000
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Pleasure use only. No accidents or violations in past 3 years.
Liability $50,000/$100,000/$25,000
Med Pay $2,000
UM $50,000/$100,000/$25,000
COMP $250 deductible
COLL $500 deductible
Scenario 8:
Single Male
Harley
Davidson
restored
Age 65. Homeowner. Drives a Harley-Davidson 1983 Touring FHLT. 1340 CC.
VIN = 1HD1DGK11D. Stated value of $40,000
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Retired – Pleasure use only. No accidents or violations in past 3 years.
Liability $50,000/$100,000/$25,000
Med Pay $2,000
UM $50,000/$100,000/$25,000
COMP $250 deductible
COLL $250 deductible
Scenario 9:
Family Rate
Honda
Male Age 54 and Female 53. Homeowners.
Male drives a 2001 Honda Goldwing GL1800. 1832 CC. VIN = 1HFSC47071
Female drives a 2005 Honda Shadow VT750C. 745 CC. VIN = JH2RC50015
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Pleasure use only. No accidents or violations in past 3 years.
Policy limits the same for both.
Liability $100,000/$300,000/$50,000
Med Pay $2,000
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $500 deductible
Optional Equipment Coverage $9,000 each
February 2009
3
Scenario 10:
Single Male
Kawasaki
Male age 30. Renter. Drives a 2004 Kawasaki Vulcan VN900. 903 CC. VIN = JKBVNCA164
If credit is used to determine premium, then calculate as if the driver has no credit history.
Drives 10 miles each way to/from work on occasion. No accidents or violations in past 3 years.
Liability $50,000/$100,000/$25,000
Med Pay $2,000
UM $50,000/$100,000/$25,000
COMP $250 deductible
COLL $250 deductible
Optional Equipment Coverage $4,000
Scenario 11:
Family
Suzuki
Married Male Age 49 and Female age 47. Homeowners.
Male drives a 2004 Suzuki Intruder 1360 CC. VIN = VS1400GLPK4
Female drives a 1998 Suzuki Maurader VZ800. 800 CC. VIN = JS1VS53A6W
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Pleasure use only. Each 6,000 miles annually.
No accidents or violations in past 3 years.
Policy limits are the same for both.
Liability $50,000/$100,000/$25,000
Med Pay $2,000
UM $50,000/$100,000/$25,000
COMP $250 deductible
COLL $500 deductible
Optional Equipment Coverage $9,000 each
Scenario 12:
Single Female
Yamaha
Single Female Age 39. Renter.
Drives a 2005 Yamaha XVS1100 V-Star. 1063 CC. VIN = JYAVP11E05
If credit is used to determine premium, then calculate as if the driver has the worst credit history.
Drives a total of 10 miles for work on occasion.
One speeding ticket in excess of 10 mph in November of 2006
Liability $100,000/$300,000/$50,000
Med Pay $2,000
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $250 deductible
Optional Equipment Coverage $5,000
Scenario 13:
Single Male
Kawasaki
Sport
Male 22. Renter. Drives a 2006 Kawasaki Ninja ZX-14 1352 cc. VIN = JKBZXNA196
Drives 10,000 miles a year to college.
If credit is used to determine premium, then calculate as if the driver has no credit history.
One speeding ticket in excess of 10 mph in June of 2008.
Liability $20,000/$40,000/$15,000
Med Pay None
UM $20,000/$40,000/$15,000
COMP No coverage
COLL No coverage
Scenario 14:
Single Male
Suzuki sport
Male age 30. Homeowner. Drives a 2002 Suzuki GSX-R 600 cc. VIN = JS1GN7BA82
If credit is used to determine premium, then calculate as if the driver has no credit history.
Drives to work occasionally – 5 miles each way. No accidents or violations in past 3 years.
Liability $50,000/$100,000/$25,000
Med Pay None
UM $50,000/$100,000/$25,000
COMP $500 deductible
COLL $500 deductible
February 2009
4
Scenario 15:
Single Female
Yamaha sport
Female age 20. College student. Drives a 2006 Yamaha YZF-R6 600 CC. VIN = JYARJ12E16
If credit is used to determine premium, then calculate as if the driver has no credit history.
Drives to school locally, 6000 miles a year. No accidents or violations in past 3 years.
Liability $20,000/$40,000/$15,000
Med Pay None
UM $20,000/$40,000/$15,000
COMP $500 deductible
COLL $500 deductible
Scenario 16:
Single Male
Triumph
Male Age 35. Homeowner. Drives 2006 Triumph Speed Triple 1050 CC. VIN = SMT500AK46
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Pleasure use only. One speeding ticket in excess of 10 mph in September of 2008.
Liability $20,000/$40,000/$15,000
Med Pay $2,000
UM $20,000/$40,000/$15,000
COMP $500 deductible
COLL $500 deductible
Scenario 17:
Single Female
Scooter under
50cc
Age 19. College student. Owner/Operator
Drives a 2005 Yamaha Vino Classic. under 50cc. VIN = LPRSA20A65
If credit is used to determine premium, then calculate as if the driver has no credit history.
No accidents or violations in past 3 years.
Liability $25,000/$50,000/$25,000
Med Pay $2,000
UM $25,000/$50,000/$25,000
COMP $250 deductible
COLL $250 deductible
Scenario 18:
Family
Scooter under
50cc
Operator is a Male Age 21. College student (in state – on campus).
Drives a 2006 Honda Metropolitan CHF50. under 50cc VIN = JH2AF60636
Owner is a married male homeowner Age 50 with 3 year clean driving record and best credit history.
If credit is used to determine premium, then calculate as if the owner has the best credit history.
Drives 5000 miles annually for school. Operator has no accidents or violations in past 3 years.
Liability $100,000/$300,000/$50,000
Med Pay $2,000
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $250 deductible
Scenario 19:
Family
Scooter under
50cc
Owner is a Single Male age 50. Homeowner.
Owns a 2007 Honda Metropolitan CHF50. under 50 CC. VIN = JH2AF60637
If credit is used to determine premium, then calculate as if the owner has the average credit history.
For local use for one child age 16. Drives 900 miles annually, including work.
No accidents or violations in past 3 years.
Liability $100,000/$300,000/$50,000
Med Pay $2,000
UM $100,000/$300,000/$50,000
COMP $500 deductible
COLL $500 deductible
February 2009
5
Scenario 20:
Married Male
Honda
Scooter
Age 65. Homeowner. Drives a 2004 Honda NSS 250 Reflex. 250 CC. VIN = JH2MF06164
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Retired – Pleasure use only. No accidents or violations in past 3 years.
Liability $50,000/$100,000/$25,000
Med Pay $2,000
UM $50,000/$100,000/$25,000
COMP $250 deductible
COLL $500 deductible
Scenario 21:
Single Male
Yamaha
Scooter
Age 40. Renter. Drives a 2005 Yamaha Vino 125. 124 CC. VIN = LPRSE13488
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Pleasure use only. No accidents or violations in past 3 years.
Liability $50,000/$100,000/$25,000
Med Pay $2,000
UM $50,000/$100,000/$25,000
COMP $250 deductible
COLL $250 deductible
Scenario 22:
Single Female
Yamaha
Scooter
Age 25. College student. Lives with parents. Owner/Operator.
Drives a 2005 Yamaha YP400. 395 CC. VIN = JYASH03Y67
If credit is used to determine premium, then calculate as if the driver has no credit history.
Pleasure use only. No accidents or violations in past 3 years on any vehicle.
Liability $20,000/$40,000/$15,000
Med Pay $2,000
UM $20,000/$40,000/$15,000
COMP $250 deductible
COLL $250 deductible
Scenario 23:
Single Male
Suzuki
scooter
Age 65. Homeowner. Drives a 2005 Suzuki Burgman AN650. 638 CC. VIN = JS1CP51A65
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Retired – Pleasure use only – drives 5000 miles annually.
No accidents or violations in past 3 years.
Liability $100,000/$300,000/$50,000
Med Pay $2,000
UM $100,000/$300,000/$50,000
COMP $250 deductible
COLL $250 deductible
Scenario 24:
Family
Single Male age 46 and Daughter aged 14. Homeowner.
Male Drives a 2007 Honda Silverwing. 582 cc. VIN = JH2PF01157
Daughter drives a 2006 Honda Rukus. under 50cc VIN = JH2AF58018
If credit is used to determine premium, then calculate as if the driver has the best credit history.
Local pleasure use only. No accidents or violations in past 3 years.
Liability $100,000/$300,000/$50,000
Med Pay $5,000
UM $100,000/$300,000/$50,000
COMP $500 deductible
COLL $500 deductible
See attached document for additional scenario information.
Additional Motorcycle Scenario Requirements
Scenario #
Assumptions
1
2
3
4
5
6 a
6 b
7
8
9 a
9 b
10
11 a
11 b
Cycle Driving Experience
6 mos
4+ yrs
4+ yrs
4+ yrs
4+ yrs
4+ yrs
26 mos
4+ yrs
4+ yrs
4+ yrs
4+ yrs
37 mos
4+ yrs
4+ yrs
Prior Motorcycle Insurance
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Garaged
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Safety class past 3 yrs
Y
Y
N
Y
N
N
Y
Y
N
N
Y
Y
Y
Y
Organization member (a)
N
N
Y
Y
N
Y
Y
Y
Y
Y
Y
N
N
N
Multi-bike discount
N
N
N
N
N
Y
Y
N
N
Y
Y
N
Y
Y
Owns Auto
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Other Vehicle Discount (b)
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Homeowner Discount (c)
N
N
Y
Y
Y
Y
Y
N
Y
Y
Y
Y
Y
Y
Youthful driver (age <21)
N
N
N
N
N
N
N
N
N
N
N
N
N
N
Spouse has license?
n/a
n/a
n/a
N
N
Y
Y
N
n/a
Y
Y
n/a
Y
Y
Other household members
N
n/a
N
N
Y
N
N
N
N
N
N
N
N
N
with motorcycle license?
Used for work on occasion
Y
Y
N
N
N
N
N
N
N
N
N
Y
N
N
Scenario #
Assumptions
12
13
14
15
16
17
18
19
20
21
22
23
24 a
24 b
Cycle Driving Experience
22 mos
28 mos
4+ yrs
15 mos
4+ yrs
13 mos
25 mos
6 mos
22 mos
4+ yrs
37 mos
25 mos
10 mos
6 mos
Prior Motorcycle Insurance
Y
Y
Y
Y
Y
N
N
Y
Y
Y
Y
Y
Y
Y
Garaged
Y
Y
Y
Y
Y
N
N
Y
Y
Y
Y
Y
Y
Y
Safety class past 3 yrs
Y
Y
Y
Y
Y
n/a
n/a
n/a
Y
N
Y
Y
Y
N
Organization member (a)
Y
N
N
N
Y
N
N
N
N
N
N
N
N
N
Multi-bike discount
N
N
N
N
N
N
N
N
N
N
N
N
Y
Y
Owns Auto
Y
Y
Y
Y
Y
N
N
Y
Y
Y
Y
Y
Y
Y
Other Vehicle Discount (b)
Y
Y
Y
Y
Y
N
N
N
Y
Y
Y
Y
Y
Y
Homeowner Discount (c)
N
N
Y
N
Y
N
N
Y
Y
Y
N
Y
Y
Y
Youthful driver (age <21)
N
N
N
N
N
Y
N
Y
N
N
N
N
N
Y
Spouse has license?
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
N
n/a
n/a
N
n/a
n/a
Other household members
N
N
N
N
N
N
N
N
N
N
N
N
N
N
with motorcycle license?
Used for work on occasion
Y
Y
Y
Y
N
N
Y
Y
N
Y
N
N
N
N
Reference Date point is February 1, 2009
(a) - Must be a certified motorcycle organization that promotes Motorcycle safety riding program(s)
(b) - Apply a discount for the Auto, whether with the same company or not. If not used or not applicable, just bypass.
(c) - Apply a Homeowners discount if your program allows for one - whether with the same company or not.
February 2009
6
Recreational Vehicles Scenarios - February 2009
Scenario
Model
Primary
Age @
Number General Type
Class
Year
Manufacturer
Model
Length Unit Value Gender VIN
Purchase
1
Motor Home - Conventional
A
2008
Fleetwood
Excursion
39
190,000
M
779R844009
0
2
Motor Home - Conventional
A
1998
Winnebago
Chieftain
36
51,000
F
44ZHXFBC0W
8
3
Motor Home - Conventional
A
2007
Country Coach
460,000
M
4U7A8EY187
0
4
Motor Home - Conventional
A
2005
Fleetwood
Bounder
32
67,000
M
5B4MP67655
0
5
Motor Home - Conventional
A
1999
Winnebago
Adventurer 37G
37
55,000
M
3FCNF53S4X
0
6
Motor Home - Camper Van
B
2006
Roadtrek
Popular 190
19
52,000
M
1GCHG39U95
0
7
Motor Home - Camper Van
B
2005
Airstream
Interstate
22
69,000
M
WD2PD74475
0
8
Motor Home - Camper Van
B+
2002
Trail-Lite
R-Vision
22
70,000
F
1GBJG31R02
3
9
Motor Home - Mini
C
2004
Coachman
Leprechaun 317KS
31
58,000
M
1FDXE45S94
2
10
Motor Home - Mini
C
2007
Dutchman
Dorado 26BE
27
65,000
M
1GBKG31437
1
11
Motor Home - Mini
C
2006
Winnebago
View
24
55,000
F
WDXPD944X6
0
12
Motor Home - Mini
C
2003
Winnebago
Minnie 29B
29
60,000
M
1FDXE45S92
0
13
Mounted truck camper
D
2004
Lance
Lance 1121
11
22,000
M
157345
0
14
Mounted truck camper
D
1999
Lance
1030
19
14,000
M
136848
0
15
Travel Trailer - 5th wheel
E
2006
Keystone
Cougar 276RLS
28
25,000
F
4YDF2762X6
0
16
Travel Trailer - 5th wheel
E
2004
Dutchmen
Sport
26
11,000
M
47CFDDN224
0
17
Travel Trailer - 5th wheel
E
2005
Keystone
Montana M3670 RL
36
49,000
M
4YDF367285
0
18
Travel Trailer - Conventional
F
2005
Thor
Aerolite 214
21
7,000
M
47CTA4J244
7
19
Travel Trailer - Conventional
F
2008
Jayco
Eagle 314BHDS
33
32,000
M
1UJBJ02R58
0
20
Travel Trailer - Conventional
F
2005
Fleetwood
Mallard
24
13,000
M
1EF1T24265
0
21
Travel Trailer - Conventional
F
2006
Jayco
Jay Feather 186
19
11,000
M
1UJBJ01H76
0
22
Travel Trailer - toy hauler
G
2004
Forest River
Cherokee Wolfpack
29
17,000
M
4X4TCKF2X4
0
23
Travel Trailer - toy hauler
G
2007
Jayco
Octane ZX
30
25,000
M
1UJBJ02P37
0
24
Pop-up Trailer
H
2004
Viking
Saga
21
3,800
M
1TV1C52064
2
25
Pop-up Trailer
H
2006
Starcraft
2407
12
8,300
M
1SAAS01F96
0
26
Pop-up Trailer
H
1995
Starcraft
Starter 10
10
1,200
F
1SAAS0JE25
0
27
Pop-up Trailer
H
2000
Coleman
Utah
25
5,100
M
4CP681H13Y
0
Usage
Under 30 days - low
30-150 days - medium
Unit Miles
On self propelled units only - Classes A, B and C.
Multi-policy discount
Do not apply any multi-policy discounts
For all date/age related items, reference point is 2/1/2009.
Length - rounded to the nearest foot.
Age @ Purchase - if 0 (zero) implies purchased new.
Credit - assume the best credit for all scenarios
February 2009
RV Page 1
Recreational Vehicles Scenarios - February 2009
Scenario
Number
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
Operator
Marital
Experienced
COMP
COLL
BI/PD
UMBI/UMPD
Towing
Usage
Unit
Age
Status
Driver
Surcharge Deductible Deductible
Limits
Limits
PIP
&Labor
Amount
miles
60
M
Y
N
500
500
50/100/25
50/100/25
2500
Y
low
1000
60
M
Y
N
500
500
100/300/50
100/300/50
2500
Y
med
95000
62
M
Y
N
500
500
250/500/100
250/500/100
5000
Y
med
14000
62
S
Y
N
500
500
100/300/50
100/300/50
2500
Y
med
7500
64
M
Y
N
1000
1000
100/300/50
100/300/50
2500
Y
med
78000
44
M
n/a
N
1000
1000
100/300/50
100/300/50
2500
Y
med
25000
44
M
n/a
N
1000
1000
50/100/25
50/100/25
2500
Y
low
19000
60
S
n/a
N
500
500
250/500/100
250/500/100
5000
Y
med
24000
50
M
Y
N
500
500
100/300/50
100/300/50
2500
Y
low
11000
71
M
Y
N
500
500
250/500/100
250/500/100
5000
Y
med
6000
65
S
Y
N
250
250
50/100/25
50/100/25
2500
Y
med
15000
45
M
Y
N
1000
1000
250/500/100
250/500/100
5000
Y
low
5000
52
M
n/a
N
250
250
n/a
n/a
n/a
Y
low
n/a
67
M
n/a
N
500
500
n/a
n/a
n/a
N
med
n/a
45
S
n/a
N
500
500
n/a
n/a
n/a
Y
low
n/a
55
M
Y
N
500
500
n/a
n/a
n/a
Y
med
n/a
45
M
Y
N
500
500
n/a
n/a
n/a
Y
med
n/a
40
S
n/a
N
250
250
n/a
n/a
n/a
Y
low
n/a
50
M
n/a
N
500
500
n/a
n/a
n/a
Y
med
n/a
54
M
Y
N
250
250
n/a
n/a
n/a
Y
low
n/a
45
M
Y
N
500
500
n/a
n/a
n/a
Y
low
n/a
45
M
Y
N
500
500
n/a
n/a
n/a
Y
low
n/a
45
M
Y
N
500
500
n/a
n/a
n/a
Y
low
n/a
35
M
n/a
N
500
500
n/a
n/a
n/a
Y
low
n/a
35
M
n/a
N
250
250
n/a
n/a
n/a
Y
low
n/a
35
M
n/a
N
500
500
n/a
n/a
n/a
Y
low
n/a
49
M
n/a
N
500
500
n/a
n/a
n/a
Y
low
n/a
Usage
Under 30 days - low
30-150 days - medium
Unit Miles On self propelled units only - Classes A, B and C.
Multi-policDo not apply any multi-policy discounts
For all date/age related items, reference point is 2/1/2009.
Length - rounded to the nearest foot.
Age @ Purchase - if 0 (zero) implies purchased new.
Credit - assume the best credit for all scenarios
February 2009
RV Page 2
ATV and Snowmobile Scenarios - February 2009
Scenario
Unit
Code
General Type
Class
Manufacturer
Model
VIN
Year
CC
Value
1
ATV
M
Honda
TRX500FE8
1HFTE31788
2008
500
7500
2
ATV
M
Suzuki
KingQuad LTF300
JSAAK43A3Y
2002
400
2000
3
ATV
M
Yamaha
Raptor 660
JY4AM01311
2001
660
3000
4
ATV
M
Can Am
Outlander 800XT
2BVEGHH168
2008
799
12000
5
ATV
M
Honda
TRX650FA Rincon
1HFTE280X5
2005
650
6000
6
ATV
M
Polaris
Outlaw 500
4XAGP50A86
2006
500
5000
7
ATV
M
Arctic Cat
DVX400
4UF07ATV67
2007
400
3500
8
ATV
M
Kawasaki
KFX400
JSLAK47B45
2005
400
4500
9
ATV
M
Yamaha
YFZ450
JY4AJ20Y96
2006
449
4800
10
ATV
M
Cannondale
MX450
5B6FD31G93
2003
450
3500
11
ATV
M
Bombardier
Outlander 400
2BVEGSF154
2004
400
6000
12
MUV
N
Arctic Cat
Prowler 650
4UF06MPV36
2006
650
10000
13
MUV
N
Arctic Cat
700 EFI LE
4UF07ATV17
2007
695
7800
14
MUV
N
Polaris
700 Twin
4XACH68A32
2002
700
6000
15
MUV
N
Kawasaki
Mule 610 4x4
JK1AFEA106
2006
401
4500
16
Snowmobile
S
Polaris
RMK900
SN1PM8DS35
2005
900
5500
17
Snowmobile
S
Arctic Cat
F6 EFI
4UF04SNW64
2004
600
3000
18
Snowmobile
S
Snow Hawk
800 H.O. TopGun
2B9SH93106
2006
800
10000
Multi-policy discount
Do not apply any multi-policy discounts
For all date/age related items, reference point is 2/1/2009.
Credit - assume the best credit for all scenarios
February 2009
ATV Page 1
ATV and Snowmobile Scenarios - February 2009
Scenario
Code
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
Owner
Owner
Owner
Operator
Liability
Comp
Coll
MedPay
Age
Marital
Gender
Age
Surcharge
Limits
Deductible
Deductible
Limit
25
S
F
25
N
50/100/25
500
500
2000
45
M
M
15
N
20/40/15
500
500
2000
55
M
F
17
N
50/100/25
500
500
2000
60
M
M
60
N
100/300/50
500
500
1000
48
M
M
16
N
100/300/50
250
250
1000
30
M
F
30
N
50/100/25
500
500
2000
45
S
F
17
N
50/100/25
500
500
1000
55
S
F
18
N
25/50/25
250
500
2000
20
S
M
20
N
20/40/15
500
500
1000
42
M
F
42
N
100/300/50
250
250
1000
68
M
M
68
N
100/300/50
250
250
2000
24
S
F
24
N
25/50/25
250
250
1000
45
M
M
45
N
20/40/15
250
500
1000
35
S
M
35
N
100/300/50
500
500
2000
35
S
M
35
N
100/300/50
500
500
2000
50
S
M
19
N
25/50/25
250
500
2000
23
S
F
23
N
20/40/15
500
500
2000
35
M
M
35
N
100/300/50
250
250
2000
Multi-policy discount Do not apply any multi-policy discounts
For all date/age related items, reference point is 2/1/2009.
Credit - assume the best credit for all scenarios
February 2009
ATV Page 2
Recreational Vehicle Class Descriptions and Assignments
Type
Class
Note
Motor Home - Conventional
A
Industry Defined
Camper Van
B
Industry Defined
Camper Van
B+
Industry Defined
Mini-Motor Home
C
Industry Defined
Mounted truck camper
D
MIA Defined
Fifth Wheel
E
MIA Defined
Travel Trailer - Conventional
F
MIA Defined
Travel Trailer - toy hauler
G
MIA Defined
Pop-up Trailer
H
MIA Defined
ATV
M
MIA Defined
MUV
N
MIA Defined
Snowmobiles
S
MIA Defined
RV Description Page 1
Boat Scenarios - February 2009
Scenario
#
General Type
Manufacturer
Model
Length
Unit
Value
HP
Gender
Boat
Age
Insured
Age
1
Boat - Bass boat
Skeeter
Zx20 Bay
20
10,000
150
M
1985
37
2
Boat - Bass boat
Triton
TR20 PDDC
20
17,600
200
M
2000
35
3
Boat - Bass boat
Ranger
621 SVS w/ 250hp
21
5,200
250
M
2007
58
4
Boat - Cabin cruiser
Baja Boats
Blast
14
27,000
120
M
2005
52
5
Boat - Cabin cruiser
Bayliner
2452
24
25,500
250
M
2003
40
6
Boat - Cabin cruiser
Rinker Boats
212 Festiva Cuddy
21
16,500
190
M
1998
46
7
Boat - Deck Boat
Tahoe
195 I/O
19
25,500
190
M
2007
45
8
Boat - Fishing Boat
Seaswirl
2101 Striper
21
18,500
150
M
2001
46
9
Boat - Fishing Boat
Mako
Bayshark
21
15,000
225
F
2000
45
10
Boat - Fishing Boat
Key West
McKee
17
10,000
90
M
2007
46
11
Boat - Jet Boat
Sugar Sand Marine
Tango 4+2
16
30,000
240
F
2007
35
12
Boat - Jet Boat
Yamaha
SX 230
23
32,000
280
M
2006
46
13
Boat - Jet Boat
Hells Canyon Marine
Rush
24
47,000
360
M
2005
52
14
Boat - Pontoon
Sylvan
Capri
22
10,300
125
F
2001
65
15
Boat - Pontoon
Godfrey
Sweetwater
22
15,000
60
F
2004
60
16
Boat - Pontoon
Harris
Floteboat 200 Sunliner
21
25,000
115
M
2008
37
17
Boat - Runabout
Sea-doo By Bombardier
Sportster
15
25,000
150
M
2003
30
18
Boat - Runabout
Four Winns
220 Horizon
22
45,400
270
M
2008
50
19
Boat - Runabout
Regal
2150 LSC
21
12,200
190
F
1998
52
20
Boat - Sport
Sea Ray Boats
Bow Rider 180
18
12,500
125
M
1997
49
21
Sailing
Maxi
Sloop
32
23,000
0
S
1988
45
22
Sailing
Hunter
Hunter 280
27
32,000
15
M
1997
57
23
Sailing
Catalina
Catalina 309
30
87,000
30
F
2007
54
24
Yacht
Chris Craft
Commander
35
12,000
310
M
1993
40
25
Yacht
Sea Ray Boats
450 Express Bridge
51
250,000
446
M
1998
55
26
Yacht
Carver
35 Aft Cabin
35
175,000
770
M
2001
73
27
Yacht
Chaparrel
330 Signature
33
170,000
370
M
2006
39
Credit - assume the best credit for all scenarios
Usage - assume usage of 8 months or less
Multi-policy discount
Do not apply any multi-policy discounts.
For all date/age related items, reference point is 2/1/2009.
Length - rounded to the nearest foot.
Boats Page 1
Scenario
#
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
Boat Scenarios - February 2009
Marital
Status Deductible Liability Limit
UM CSL
Medical
Payment
Trailer
Personal
Property
Tow limit
Surcharge
Engine
(Propulsion)
M
500
500,000
300,000
1000
2000
2000
1000
N
outboard
M
500
300,000
100,000
5000
2500
5000
500
N
outboard
M
250
300,000
100,000
5000
1500
1000
None
N
outboard
M
1500
100,000
50,000
2000
n/a
2000
1000
N
inboard/outboard
M
500
300,000
300,000
2000
n/a
1000
500
N
inboard/outboard
M
250
100,000
50,000
1000
1500
None
None
N
inboard/outboard
M
500
500,000
50,000
5000
3000
None
150
N
inboard/outboard
M
500
500,000
50,000
5000
1500
None
None
N
outboard
S
500
500,000
50,000
10000
n/a
None
300
N
inboard/outboard
S
500
500,000
50,000
2000
1500
1000
300
N
outboard
S
250
100,000
100,000
1000
1500
2000
1000
N
jet
M
500
300,000
300,000
2000
1000
2000
500
N
jet
M
1000
300,000
100,000
2000
1500
None
250
N
jet
M
250
100,000
100,000
1000
1500
1000
500
N
outboard
M
500
300,000
300,000
2000
1000
2000
500
N
outboard
M
1000
500,000
50,000
10000
n/a
1000
150
N
outboard
S
500
500,000
300,000
1000
2000
2000
1000
N
outboard
M
500
300,000
300,000
5000
2500
2000
500
N
inboard/outboard
M
250
100,000
100,000
1000
1500
1000
500
N
outboard
M
500
300,000
50,000
1500
n/a
None
None
N
outboard
S
1000
500,000
300,000
3000
n/a
2000
1000
N
n/a
S
1000
300,000
300,000
2000
n/a
4000
2000
N
outboard
M
1000
300,000
300,000
2000
n/a
4000
2000
N
outboard
M
500
500,000
300,000
1000
n/a
7000
1000
N
inboard
M
1500
500,000
500,000
1000
n/a
7000
none
N
inboard/outboard
M
2500
300,000
300,000
2000
n/a
4000
2000
N
inboard
M
2500
300,000
100,000
5000
n/a
5000
500
N
inboard
Credit - assume the best credit for all scenarios
Usage - assume usage of 8 months or less
Multi-policy discount
Do not apply any multi-policy discounts.
For all date/age related items, reference point is 2/1/2009.
Length - rounded to the nearest foot.
Boats Page 2
Personal Watercraft Scenarios - February 2009
Scenario
#
General
Type
Manufacturer
Model
VIN
Length
Unit
Value
HP
CC
Gender
Boat Age
1
PWC
Arctic Cat
Tiger Shark
ARJ03216L495
12
7600
72
750
M
1995
2
PWC
Honda
ARX1200T24
HPSC3759A404
10
9300
165
1200
M
2004
3
PWC
Kawasaki
JH750-C3
KAW57547D7
9
3000
80
750
F
2007
4
PWC
Kawasaki
JH750A
KAW93955E292
8
1750
69
750
M
1992
5
PWC
Kawasaki
1200 F
KAW34511F606
10
8700
125
1200
F
2006
6
PWC
Kawasaki
JH75046
KAW15769T495
8
1400
155
750
M
1995
7
PWC
Polaris
Virage I
PLE10815E000
10
8000
100
1000
F
2000
8
PWC
Sea Doo
GTS Jet ski
ZZN20187B496
10
6600
58
700
M
1996
9
PWC
Sea Doo
GTX
ZZN54300A797
10
3000
60
782
M
1997
10
PWC
Sea Doo
GX51
ZZNG9611E898
8
3000
130
1200
M
1998
11
PWC
Yamaha
1100fx Deluxe YAMA2891F6
11
8000
110
1100
M
2006
12
PWC
Yamaha
GP1200
YAMA3616A797
9
4000
135
1200
M
1997
NOTE: Certain CC's are approximate.
Credit - assume the best credit for all scenarios
Usage - assume usage of 8 months or less
Multi-policy discount
Assume a PPA or HO policy regardless if with same company
For all date/age related items, reference point is 2/1/2009.
Length - rounded to the nearest foot.
PWC Page 1
Personal Watercraft Scenarios - February 2009
Scenario
#
1
2
3
4
5
6
7
8
9
10
11
12
Insured
Age
Marital
Status
Deductible Liability Limit
UM Limit
Medical
Payment
Trailer
Surcharge
Personal
Property
Tow limit
44
M
500
300,000
50,000
1000
1000
N
0
750
42
S
500
300,000
50,000
1000
1000
N
1000
750
35
S
500
100/300/50
50/100/25
5000
1000
N
0
750
48
M
250
300,000
50,000
1000
500
N
0
500
37
M
250
100,000
50,000
1000
1000
N
0
500
31
M
250
100/300/50
50/100/25
1000
500
N
0
500
58
M
250
300,000
50,000
2000
1000
N
0
500
52
M
250
100,000
50,000
1000
500
N
0
750
29
M
250
100,000
50,000
3000
500
N
0
500
46
M
500
500,000
50,000
5000
1000
N
0
500
25
M
250
50/100/25
50/100/25
2000
1000
N
0
750
58
M
250
100,000
50,000
1000
500
N
0
750
NOTE: Certain CC's are approximate.
Credit - assume the best credit for all scenarios
Usage - assume usage of 8 months or less
Multi-policy discount
Assume a PPA or HO policy regardless if with same company
For all date/age related items, reference point is 2/1/2009.
Length - rounded to the nearest foot.
PWC Page 2