BCP Base Class Premium Base Class Premium Base Class Premium Base Class Premium Base Class Premium Base Class Premium Base Class Premium Base Class Premium
3 x Form Factor x Form Factor x Form Factor x Form Factor x Form Factor x Form Factor x Form Factor
4 x Prot-Constr Factor x Prot-Constr Factor
5 x Cov A/Ded Factor x Cov A/Ded Factor x Cov A/Ded Factor x Cov A/Ded Factor x Cov A/Ded Factor x Cov A/Ded Factor x Cov A/Ded Factor
6 x #Family Factor x #Family Factor x #Family Factor x #Family Factor x #Family Factor x #Family Factor x #Family Factor x #Family Factor
BP Base Premium Base Premium Base Premium Base Premium Base Premium Base Premium Base Premium Base Premium
7 + Ordinance/Law (BP * OrdLaw) + Ordinance/Law + Ordinance/Law + Ordinance/Law + Ordinance/Law + Ordinance/Law
8 + Repl Cost Loss Settle (BP * ReplCost) + Repl Cost Loss Settle + Repl Cost Loss Settle + Repl Cost Loss Settle + Repl Cost Loss Settle + Repl Cost Loss Settle
9 + Animal-Related Liability Exclusion (BP * AnimLiab) + Animal-Related Liaby Excl
10 x HRF Factor x HRF Factor x HRF Factor x HRF Factor x HRF Factor x HRF Factor x HRF Factor
11 x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor
ABP Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem
12a + Protective Device Credit* (ABP * ProtDev) + Protective Device Credit* + Protective Device Credit*
12b + Superior Constr Credit* (ABP * SupConCr) + Superior Constr Credit*
12c + Age of Home/Remodeled (ABP *AgeHome) + Age of Home/Remodeled + Age of Home/Remodeled + Age of Home/Remodeled + Age of Home/Remodeled + Age of Home/Remodeled + Age of Home/Remodeled + Age of Home/Remodeled
12d + BCEG (BCP * 5 * 10 * 11 * BCEG) + BCEG + BCEG
13 + Secondary/Seasonal Charge (ABP * SecSeasChg) + Secondary/Seasonal Charge + Secondary/Seasonal Charge + Secondary/Seasonal Charge + Secondary/Seasonal Charge + Secondary/Seasonal Charge + Secondary/Seasonal Charge + Secondary/Seasonal Charge
14 + Platinum Charge (10 * 11 * PlatChrg) + Platinum Charge + Platinum Charge + Platinum Charge
15 + Incr Covg E/F (10 * 11 * IncrEF) + Incr Covg E/F
16 + Incr Covg C (10 * 11 * IncrC) + Incr Covg C
17 + Incr Covg D (10 * 11 * IncrD) + Incr Covg D
18 + Townhouse Prem (ABP * Townhouse) + Townhouse Prem
19 + Inflation Guard Premium (ABP * InflGuard) + Inflation Guard Premium + Inflation Guard Premium + Inflation Guard Premium + Inflation Guard Premium + Inflation Guard Premium + Inflation Guard Premium 20 + Personal Prop Repl Cost (ABP * ReplCost) +Personal Prop Repl Cost +Personal Prop Repl Cost +Personal Prop Repl Cost +Personal Prop Repl Cost +Personal Prop Repl Cost +Personal Prop Repl Cost
21 Sub-Total Sub-Total Sub-Total Sub-Total Sub-Total Sub-Total Sub-Total Sub-Total Sub-Total
22 + Multi Line Disc + Multi Line Disc + Multi Line Disc + Multi Line Disc + Multi Line Disc + Multi Line Disc + Multi Line Disc + Multi Line Disc + Multi Line Disc
Ann. Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium
23 + Ann. Other Premium*** +Endorse Wind *** +Endorse Water *** +Endorse Fire *** +Endorse Theft *** +Endorse Liability *** +Endorse Other *** +Endorse Hurricane *** +Endorse Misc. ***
24 + Worker's Comp*** + Worker's Comp
25
Tot. Total Premium Total Premium Total Premium Total Premium Total Premium Total Premium Total Premium Total Premium Total Premium
26 + PAF Premium + PAF Premium
Fin. Final Premium Final Premium Final Premium Final Premium Final Premium Final Premium Final Premium Final Premium Final Premium
*Combine credits from 12a-12b. Maximum total credit of 50% applies. **The Annual Basic Premium is subject to a minimum premium as displayed in rule 205
*** Each endorsement with an associated rate in Annual Other Premium multiplied by HRF, Non-Dividend and Multi-Line where applicable. (HRF does not apply to Earthquake.)
BCP Base Class Premium Base Class Premium Base Class Premium Base Class Premium Base Class Premium Base Class Premium Base Class Premium Base Class Premium
3 x Prot-Constr Factor x Prot-Constr Factor
4 x Cov C/Ded Factor x Cov C/Ded Factor x Cov C/Ded Factor x Cov C/Ded Factor x Cov C/Ded Factor x Cov C/Ded Factor x Cov C/Ded Factor
BP Base Premium Base Premium Base Premium Base Premium Base Premium Base Premium Base Premium Base Premium
5 + Ordinance/Law (BP * OrdLaw) + Ordinance/Law + Ordinance/Law + Ordinance/Law + Ordinance/Law + Ordinance/Law
6 + Spec Pers Prop (BP * SpecPP) + Spec Pers Prop + Spec Pers Prop + Spec Pers Prop + Spec Pers Prop + Spec Pers Prop + Spec Pers Prop
7 + Animal-Related Liability Exclusion (BP * AnimLiab) + Animal-Related Liaby Excl
8 x HRF Factor x HRF Factor x HRF Factor x HRF Factor x HRF Factor x HRF Factor x HRF Factor
9 x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor
ABP Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem
10a + Superior Constr Credit* (ABP * SupConCr) + Superior Constr Credit
10c + BCEG (BCP * 4 * 8 * 9 * BCEG) + BCEG + BCEG
11 + Secondary/Seasonal Charge (ABP * SecSeasChg) + Sec/Seas Charge + Sec/Seas Charge + Sec/Seas Charge + Sec/Seas Charge + Sec/Seas Charge + Sec/Seas Charge + Sec/Seas Charge
12 + Incr Covg E/F (8 * 9 * IncrEF) + Incr Covg E/F
13 + Incr Covg D (8 * 9 * IncrD) + Incr Covg D
14 + Personal Prop Repl Cost (ABP * ReplCost) +Personal Prop Repl Cost +Personal Prop Repl Cost +Personal Prop Repl Cost +Personal Prop Repl Cost +Personal Prop Repl Cost +Personal Prop Repl Cost
15 Sub-Total Sub-Total Sub-Total Sub-Total Sub-Total Sub-Total Sub-Total Sub-Total Sub-Total
16 + Multi-Line Discount + Multi-Line Discount + Multi-Line Discount + Multi-Line Discount + Multi-Line Discount + Multi-Line Discount + Multi-Line Discount + Multi-Line Discount + Multi-Line Discount
Ann. Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium
17 + Ann. Other Premium *** +Endorse Wind *** +Endorse Water *** +Endorse Fire *** +Endorse Theft *** +Endorse Liability *** +Endorse Other *** +Endorse Hurricane *** +Endorse Misc. ***
18 + Worker's Comp*** + Worker's Comp
19
Tot. Total Premium Total Premium Total Premium Total Premium Total Premium Total Premium Total Premium Total Premium Total Premium
20 + PAF Final Prem + PAF Final Prem
Fin. Final Premium Final Premium Final Premium Final Premium Final Premium Final Premium Final Premium Final Premium Final Premium
**The Annual Basic Premium is subject to a minimum premium as displayed in rule 205
*** Each endorsement with an associated rate in Annual Other Premium multiplied by HRF, Non-Dividend and Multi-Line where applicable. (HRF does not apply to Earthquake.)
BCP Base Class Premium Base Class Premium Base Class Premium Base Class Premium Base Class Premium Base Class Premium Base Class Premium Base Class Premium
3 x Prot-Constr Factor x Prot-Constr Factor
4 x Cov C/Ded Factor x Cov C/Ded Factor x Cov C/Ded Factor x Cov C/Ded Factor x Cov C/Ded Factor x Cov C/Ded Factor x Cov C/Ded Factor
BP Base Premium Base Premium Base Premium Base Premium Base Premium Base Premium Base Premium Base Premium
5 + Ordinance/Law (BP * OrdLaw) + Ordinance/Law + Ordinance/Law + Ordinance/Law + Ordinance/Law + Ordinance/Law
6 + Spec Pers Prop (BP * SpecPP) + Spec Pers Prop + Spec Pers Prop + Spec Pers Prop + Spec Pers Prop + Spec Pers Prop + Spec Pers Prop
7 + Animal-Related Liability Exclusion (BP * AnimLiab) + Animal-Related Liaby Excl
8 x HRF Factor x HRF Factor x HRF Factor x HRF Factor x HRF Factor x HRF Factor x HRF Factor
9 x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor x Non-Dividend Factor
ABP Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem Adjusted Base Prem
10a + Superior Constr Credit* (ABP * SupConCr) + Superior Constr Credit*
10c + BCEG (BCP * 4 * 8 * 9 * BCEG) + BCEG + BCEG
11 + Secondary/Seasonal Charge (ABP * SecSeasChg) + Secondary/Seasonal Charge + Secondary/Seasonal Charge + Secondary/Seasonal Charge + Secondary/Seasonal Charge + Secondary/Seasonal Charge + Secondary/Seasonal Charge + Secondary/Seasonal Charge
12 + Incr Covg E/F (8 * 9 * IncrEF) + Incr Covg E/F
13 + Incr Covg D (8 * 9 * IncrD) + Incr Covg D
14 + Incr Covg A (8 * 9 * IncrAChrg) + Incr Covg A
15 + Personal Prop Repl Cost (ABP * ReplCost) + Personal Prop Repl Cost + Personal Prop Repl Cost + Personal Prop Repl Cost + Personal Prop Repl Cost + Personal Prop Repl Cost + Personal Prop Repl Cost
16 Sub-Total Sub-Total Sub-Total Sub-Total Sub-Total Sub-Total Sub-Total Sub-Total Sub-Total
17 + Multi-Line Discount + Multi-Line Discount + Multi-Line Discount + Multi-Line Discount + Multi-Line Discount + Multi-Line Discount + Multi-Line Discount + Multi-Line Discount + Multi-Line Discount
Ann. Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium** Annual Basic Premium
18 + Ann. Other Premium *** +Endorse Wind *** +Endorse Water *** +Endorse Fire *** +Endorse Theft *** +Endorse Liability *** +Endorse Other *** +Endorse Hurricane *** +Endorse Misc. ***
19 + Worker's Comp*** + Worker's Comp
20
Tot. Total Premium Total Premium Total Premium Total Premium Total Premium Total Premium Total Premium Total Premium Total Premium
21
22 + PAF Final Prem + PAF Final Prem
Fin. Final Premium Final Premium Final Premium Final Premium Final Premium Final Premium Final Premium Final Premium Final Premium
**The Annual Basic Premium is subject to a minimum premium as displayed in rule 205
*** Each endorsement with an associated rate in Annual Other Premium multiplied by HRF, Non-Dividend and Multi-Line where applicable. (HRF does not apply to Earthquake.)
RULE A.11 Page 1 of 1
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