Massachusetts

NBIC UNDERWRITING & SHELTER PRIDE ®

GUIDELINES

Revision Date : September 15, 2015

• DOES THE PROPERTY MEET NBIC’S LOCATION ELIGIBILITY? More than two (2) paid property losses • Claims loss history with payments totaling $25k or more • Reference eligible zip code list

INELIGIBLE RISKS: COVERAGE LIMITATIONS: • Business on premises • NBIC requires Coverage A at 100% of the replacement cost estimate • Farm ∗ (HO-3, HO-5) Coverage A between $125k and $2.0 MM (agents must refer greater • Under construction than $1.2 MM) • Undergoing major renovations • (HO-6) Coverage A between $5k and $300k (agents can refer up to $500k); ∗ Eligible: Minor renovations must be completed within the first 55 days of coverage Coverage C between $20k and $500k • Unoccupied or vacant • (HO-4) Coverage C between $20k and $500k • New purchase unoccupied four (4) or more weeks after closing • Scheduled personal property: • Held for sale o No items valued at $50k or higher (agents can refer higher valued items) • o Appraisals (<3 years old) required for every item valued at $10k and higher On historic registry or in historic district with remodeling/building restrictions • o Total value of scheduled property must be less than 50% of Coverage C On piers/pilings and pre-1990 construction ∗ (agents can refer higher) Frame row house and pre-1980 construction • • DEDUCTIBLE REQUIREMENTS: Primary home within two (2) miles of coast requires Log home minimum $1,000 AOP Deductible • Mobile home, manufactured home, or not on permanent foundation

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No smoke detectors INELIGIBLE APPLICATIONS: • Stairwells, decks, or porches without appropriate handrails or railings • Home in flood zone A or V without flood insurance • Any structure (including sheds and garages) with plastic or tarp roof covering • Home in Protection Class 10 • Any structure with asbestos siding • More than three (3) mortgagees ∗ EIFS siding (Exterior Insulation and Finish Systems) installed pre-2005; post-2005 • Bankruptcy or foreclosure activity within past five (5) years installation must have a secondary drainage system • Applicant convicted of fraud, bribery, arson, or arson-related crime • Any unrepaired damage • Policy written in name of estate or business • General state of disrepair or overall poor housekeeping ∗ Properties owned by a Limited Liability Company (LLC) may be eligible; additional • Any other unusual or extreme features that may present an increase in hazard

documentation and prior company approval is required • Risk currently not insured or with lapse in coverage INELIGIBLE /ANIMALS (full-bred or partial): ∗ • Risk currently insured by NBIC (unless changed at renewal with appropriate BOR) NO risks with more than four (4) dogs • • More than three (3) rental units Akita

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American

INELIGIBLE LOSSES (experience period = three (3) years): • American Staffordshire Terrier • Any paid liability loss • Bull Terrier • Any open claim • • Chow o INELIGIBLE: Any Zinsco branded Magnetrip panel • Doberman o INELIGIBLE: Active knob-and-tube or aluminum wiring • (all types) • PLUMBING: ∗ Olde English Bulldogge o INELIGIBLE: Galvanized plumbing • Pit Bull o INELIGIBLE: Polybutylene plumbing • • OIL/KEROSENE STORAGE TANKS: • o INELIGIBLE: Any (including inactive) underground storage tank over 20 years • Wolf Hybrid old o • ANY with a bite history or aggressive tendencies Any above ground storage tank (interior or exterior) must be over a full concrete slab • Any potentially dangerous animals (horses, farm animals, exotic pets, constrictors,

poisonous snakes, etc.) ADDITIONAL SEASONAL/SECONDARY REQUIREMENTS/RESTRICTIONS: ∗ Any TENANT occupied home with any dog listed above, and/or any of the following • NBIC prefers the primary home to be written with NBIC (if it is eligible with NBIC) breeds (full or partial): , , Dalmatian, , • INELIGIBLE: Seasonal/secondary homes rented more than 16 weeks per year Rhodesian Ridgeback, Saint Bernard, Shepherds (all types), Siberian Husky. • INELIGIBLE: Seasonal/secondary homes rented to more than four (4)

tenants/families per year INELIGIBLE LIABILITY EXPOSURES: • Appropriate winterization measures must be taken, per SHELTER PRIDE ® guidelines • Any rental unit (pre-1978 construction) that is not in compliance with state lead • DEDUCTIBLE REQUIREMENTS: requirements o Minimum $1000 AOP Deductible ∗ Student rentals o Within two (2) miles of coast requires minimum 2% Hurricane Deductible

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Archery ranges

• Half-pipes AGENTS MAY NOT USE THE FOLLOWING ENDORSEMENTS: • Skate board ramps • Miscellaneous Endorsement • Trampolines • Additional Residence Rented To Others Endorsement • Any other unusual or extreme feature that may present a potential liability hazard • Other Insured Location Occupied By Insured Endorsement

POOL/HOT TUB REQUIREMENTS: ADDITIONAL DWELLING FIRE REQUIREMENTS/RESTRICTIONS: • In-ground pool area (or yard) must be surrounded by an enclosed fence with a • In addition to all requirements/restrictions previously listed, the following locking/latching gate guidelines also apply to Dwelling Fire policies: • In-ground pool with diving board must meet NBIC's SHELTER PRIDE ® guidelines • NBIC prefers the primary home be written with NBIC (if eligible with NBIC) ∗ Diving rocks must meet NBIC's SHELTER PRIDE ® guidelines • INELIGIBLE: Any pool exposure • No diving platforms • INELIGIBLE: Any hot tub exposure, interior or exterior • No indoor pools • INELIGIBLE: Any wood/pellet/coal/corn stove

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No indoor hot tubs (hot tubs in three-season rooms are acceptable; Jacuzzi-style

hot tubs are acceptable) DOES THE APPLICANT UNDERSTAND NBIC’S SHELTER PRIDE ® PROCESS AND AGREE TO

PROMPTLY COMPLETE THE REQUIRED INTERIOR/EXTERIOR INSPECTION?

SYSTEM/MECHANICAL REQUIREMENTS:

• INELIGIBLE: ANY mechanical system (wiring, electrical, plumbing, etc.) in Violations of NBIC underwriting guidelines may result in a legal notice of cancellation dangerous, obsolete, or poor condition within the first 60 days of coverage. NBIC may rescind the cancellation notice if, prior • HEATING: to the cancellation effective date, NBIC receives evidence demonstrating that the o Must have thermostatically controlled central heat exposure has been removed or mitigated and the risk fully meets NBIC’s underwriting o Any space heater must meet NBIC's SHELTER PRIDE ® guidelines guidelines.

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INELIGIBLE: Any wood, pellet, or gas stove (or any other alternative heating

source) that is homemade, not installed in accordance with the National Fire SHELTER PRIDE ® guidelines for diving boards, space heaters, stoves, and abandoned or Protection Agency (NFPA) standards, or not installed according to the removed underground storage tanks may be found on the myNBIC agency portal.

manufacturer's requirements • ELECTRICAL: KEY: * (asterisks) = New, updated, or clarified guideline ∗ INELIGIBLE: Fuses – any amperage Guideline in regular font = Guideline is addressed/supported within NBIC’s Apex user interface o INELIGIBLE: Stab-Lok circuit breakers Guideline in dark red italics font = Guideline is not specifically addressed within NBIC’s Apex user interface