Bulletins

Manual/Rule Adjustments Effective 01-01-05
 

Effective 01-01-05 the following adjustments have been made to the Wisconsin Mutual manual:

All Auto - Family, Premier & Educators
Awnings/Cabanas are no longer excluded from Motorhome/Camper Comprehensive coverage.  Rates have been adjusted accordingly.  Must have at least $100 deductible.
 

Auto 9	7. Custom Equipment - Removed "Additionally, awnings and cabanas are EXCLUDED from Comprehensive coverage under the policy."
	II. Custom Equipment, Toppers, Caps and Camper Awnings or Cabanas - Removed "Camper Awnings or Cabanas"
Auto 10	Comprehensive Coverage
	100 deduct .50 Replaces .41
	250 deduct .41 Replaces .33
	500 deduct .34 Replaces .28
	1000 deduct .31 Replaces .26
Auto 21	12. To awnings and cabanas. Coverage DOES apply to loss by collision. - Removed - Coverage now applies to both Comp and Collision
PAUTO-8	Removed - "Additionally, awnings and cabanas are EXCLUDED from Comprehensive coverage under the policy."
	Custom Equipment, Toppers/Caps and Motorhome/Camper Awnings or Cabanas - Removed "Camper Awnings or Cabanas"
PAUTO-9	Comprehensive Coverage
	Removed Full Coverage and $50 deductible rates - No longer available
	100 deduct .50 Replaces .41
	250 deduct .41 Replaces .33
	500 deduct .34 Replaces .28
	1000 deduct .31 Replaces .26
Educators 175	Removed - "Additionally, awnings and cabanas are EXCLUDED from Comprehensive coverage under the policy."
	B. Custom Equipment, Toppers/Caps and Motorhome/Camper Awnings or Cabanas - Removed "Camper Awnings or Cabanas"
176	Comprehensive Coverage
	Removed Full Coverage and $50 deductible rates - No longer available
	100 deduct .50 Replaces .41
	250 deduct .41 Replaces .33
	500 deduct .34 Replaces .28
	1000 deduct .31 Replaces .26

Businessowners

BOP-3	1.6 Binding Authority - Added
BOP-17	8.5 Ordinance or Law Extension - Added the letter and number structure.  No rule change.
BOP-21	8.12 Fine Arts - Corrected Endorsement Form BP-327 to BP-324
BOP-50	8.15 Property Additional Coverage Endorsements - Added "rate per location"

Dwelling

The new Dwelling Fire program is introducing all new forms and endorsements.  In addition to using the most current AAIS dwelling fire forms, the new program provides the flexibility to offer many new optional coverages and endorsements.  The base policy itself now includes some expanded coverages, such as debris removal and fire department service change, as well as an exclusion for wet rot, dry rot, bacteria, fungi, and protists.  Complete details regarding the program and eligibility may be found in the Dwelling section of the on-line Manual.

Inland Marine

Im-17

Snowmobiles & Four Wheel Recreational Vehicles - Minimum Premium updated from $15.00 to $25.00

Homeowners

HO-Index I	"Theft of Building Materials" Replaced "Dwelling Under Construction"
	Removed "Fire Department Service Charge"
8	5.5 Scheduled Personal Property - Removed "watercraft, recreational vehicles" - They are covered under the BRV Endorsement.
10	5.17 Fire Department Service Charge (FL-13) - Removed - Covered under the ML-30 Endorsement.
16	Fire Department Service Charge (FL-13) Cov Summary Option - Removed
130	8.5 Deductibles - Corrected factor listing to show both Mobilehome and the rest of Regular Homeowners
	"$250 Flat Theft Deductible - Forms1,2, or 3 - 5% Credit Form 4 - 7% Credit" - Removed - No longer offered
132	5.17 Fire Department Service Charge (FL-13) Rate - Removed

Premier Homeowners

Premier Index I	Page Title
	Changed "Theft of Materials" to "Theft of Building Materials"
	Removed "Fire Department Service Charge"
Premier-1	Page Title
	1.1 Basic Requirements -
		30 Year Restriction has been updated to "Constructed in 1970 * or later"
		Added "Circuit breakers" to Modern wiring
		* Note - updates have been made to the dwelling construction exception to accommodate the 1970 * or later rule
Premier-5	3.3.1 Replacement Cost - Contents -
		Added "and the following scheduled classes of personal property if covered under this policy: jewelry; furs and garments trimmed with fur or consisting principally of fur; cameras, projection machines, films, and related articles of equipment; musical instruments and related articles of equipment; silverware, goldware, items plated with gold or silverware, and pewterware; golfer's equipment; and bicycles." - to Replacement Cost Coverage is provided at no additional charge
		Removed "business property; property not owned by an insured; film, tapes, cassettes, records, etc;" and "property covered by and scheduled insurance;" - from Items not provided replacement cost coverage
Premier-9	5.3 Special Form Contents WML-5A - Removed - No longer available in the Premier Homeowner program.  It refers to the new Premier Elite program.
	5.4 Scheduled Personal Property - Removed "watercraft, recreational vehicles" - They are covered under the BRV Endorsement.
Premier-11	5.16 Fire Department Service Charge (FL-13) - Removed - Covered under the ML-30 Endorsement.
Premier-49	Page Title
Premier-50	5.5 Fire Dept Service Charge - Added "Maximum - $5,000" coverage
	5.8 Unscheduled Personal Property - Removed all form listings for Money and Securities.  Premier Home can only be a WML-3.
	5.16 Fire Department Service Charge (FL-13) Rate - Removed

Premier Elite Homeowners

The new Premier Elite HO-5 program is intended for the newer single-family dwelling, that was constructed in 1970 or later, or has been completely updated.  The Premier Elite program provides All Risk coverage on Coverages A, B, and C.  It also provides some additional coverage on personal property compared to what is provided with a Form 1, 2, or 3.  Complete details regarding the program and eligibility may be found in the Premier Elite (Form 5) section of the on-line Manual.

All updates may be found in the on-line Manual.  If, for any reason, you need to view the previous pages to these updates, they may be found in the on-line Pre-Existing Manual.

Please contact Jenny Lietz with any questions/comments regarding accessing these updates.  All other questions/comments regarding the updates may be directed to your underwriter.