Following the instructions on this page will allow you to quote the annual premium for a policy in our Homeowner and Dwelling Property Programs. We now have a base premium rating program. We have endeavored to make the rating program accurate. However, if the premium developed through the rating program differs from the actual premium listed on the Declarations page, the actual premium on the Declarations page will prevail.
The premium rating program provides the base premium without endorsements. Premiums for the endorsements are found on this page under the Homeowner or Dwelling Property headings (scroll down). For seasonal dwellings, see under the Dwelling Property heading.
Scroll down to the Homeowner or Dwelling Property Program headings to access the rating program. Note the minimum mandatory deductibles listed just below.
MINIMUM MANDATORY DEDUCTIBLES
 |
Coverage limit $75,000 to $149,999 - $500 deductible. You may request a higher deductible. |
|
Coverage limit $150,000 to $200,000 - $1000 deductible. You may request a higher deductible. |
TERRITORIES (FOR HOMEOWNER PROGRAM ONLY)
For information on the Territory, click on the "What's This?" box under the title "Territory Name" in the rating program.
PROTECTION CLASS
If you are unaware of the Insurance Services Office (ISO) Protection Class for the property, you may E-MAIL us for this information. See just below for the information we need. DO NOT CALL US. Our e-mail is thewip@execpc.com. We will endeavor to be accurate and to provide a one-day turn around. The final determination of the Protection Class will be made after the inspection of the property has been completed.
Provide the following information when inquiring about a Protection Class:
| The address of the property including county, and | ||
| Whether the property is
located within 1000 feet of a fire hydrant.
|
Some larger cities and their Protection Class.
| Milwaukee - 2 |
| Racine - 2 |
| Kenosha - 2 |
| Madison - 3 |
| Sheboygan - 2 |
| Appleton - 2 |
| Green Bay - 2 |
| Marinette - 3 |
| Superior - 5 |
| Beloit - 3 |
| Janesville - 3 |
PROBLEMS
If you have problems with the rating program, call us at 414.291.5353. Please do not call for Protection Class inquiries. Use e-mail only.
HOMEOWNER PROGRAM - access to rating program and endorsement premiums.
Please review the Homeowner Program page of this website for important information on items such as limits and causes of loss. The premiums shown in the rating program are for the annual base premium only. Premiums for the endorsements are shown below.
>>>>To access the premium rating program click: HOMEOWNER RATING PROGRAM.
The endorsement premiums are shown below. To return to this page use the back arrow on your browser.
HOMEOWNER PROGRAM - ENDORSEMENTS
INCREASED LIMIT - ON PREMISES THEFT ENDORSEMENT
$1000 limit included in policy
Deductible listed is deductible for policy - not only this endorsement
|
Limit/Deductible |
$250 |
$500 |
$1000 |
$2500 |
|
$2000 |
$41 |
$38 |
$36 |
$31 |
|
$3000 |
$57 |
$54 |
$50 |
$44 |
|
$4000 |
$66 |
$62 |
$57 |
$50 |
|
$5000 |
$70 |
$66 |
$61 |
$54 |
INCREASED LIMIT FOR OTHER STRUCTURES ENDORSEMENT
10% of Coverage A included in policy
Deductible listed is deductible for policy - not only this endorsement
|
Deductible |
$250 |
$500 |
$1000 |
$2500 |
|
Rate Per $1000 |
$3.80 |
$3.55 |
$3.31 |
$2.88 |
HOME DAY CARE COVERAGE ENDORSEMENT
Provides limited Section II Coverage for Home Day Care operations - subject to underwriting.
Be sure to include a copy of the State of Wisconsin Day Care license with the application
$202
DWELLING PROPERTY PROGRAM - access to rating program and endorsement premiums.
Please review the Dwelling Program page of this website for important information on items such as limits and causes of loss. The rating program will allow you to compute the annual premium for both owner occupied and non-owner occupied dwellings (tenant occupied or rehab dwellings). For seasonal dwelling premiums, please read the section on Seasonal Dwellings below.
The premiums shown in the rating program are for the annual base premium only. Premiums for the endorsements are shown below (scroll down). Note that the endorsement premiums are different for owner occupied residences and for non-owner occupied residences (tenant occupied or rehab dwellings). Each has a separate heading (scroll down).
The rating program can provide premiums for different combinations of causes of loss: Fire only; Fire and Extended Coverage (EC); or Fire, Extended Coverage (EC) and Vandalism (V & MM). You will be able to choose the causes of loss. We suggest you quote for Fire, EC, and V & MM.
>>>>>To access the rating program click: DWELLING PROPERTY RATING PROGRAM.
The endorsement premiums are shown below under the Owner Occupied or Non-Owner Occupied headings. (scroll down).
To return to this page use the back arrow on your browser.
SEASONAL DWELLINGS - ANNUAL PREMIUMS
To compute the annual base premium for a seasonal dwelling, use the rating program for an owner occupied dwelling and modify the Fire premium only for both Dwelling and Contents by the following factors:
|
Inception date of the policy from September 1, 2011 to August 31, 2012, use a factor of .60. |
|
Inception date of the policy from September 1, 2012 to August 31, 2013, use a factor of .80. |
|
Inception date of the policy from September 1, 2013 onward, use owner occupied premiums without modification. |
For example, the policy to quote has an inception date of October 15, 2011. You go to the Dwelling Property rating program and secure a quote for an owner occupied property. The Dwelling premium summary is Fire: $480, EC: $160, and V & MM: $30. You multiply the $480 Fire premium by .6 ($480 x .6) to get a premium of $288. You add $288 + $160 + $30 = $478 as the annual Dwelling premium. Then, you follow the same procedure for the Contents premium.
For seasonal dwelling endorsements, use the premiums directly below for Owner Occupied Dwellings. There is no modification of the endorsement premiums.
OWNER OCCUPIED DWELLINGS - ENDORSEMENTS
ON PREMISES THEFT ENDORSEMENT
Deductible listed is deductible for policy - not only this endorsement
| Limit/Deductible |
$250 |
$500 |
$1000 |
$2500 |
| $1000 | $35 | $33 | $28 | $23 |
| $2000 | $67 | $64 | $54 | $44 |
| $3000 | $95 | $90 | $76 | $62 |
| $4000 | $108 | $103 | $86 | $70 |
| $5000 | $115 | $109 | $92 | $75 |
INCREASED LIMIT FOR OTHER STRUCTURES IN PROTECTION CLASSES 1 - 8 ENDORSEMENT
10% of Coverage A included in policy
Deductible listed is deductible for policy - not only this endorsement
| Deductible |
$250 |
$500 |
$1000 |
$2500 |
| Rate Per $1000 | $7.24 | $6.59 | $5.50 | $3.62 |
INCREASED LIMIT FOR OTHER STRUCTURES IN PROTECTION CLASSES 8B, 9, AND 10 ENDORSEMENT
10% of Coverage A included in policy
Deductible listed is deductible for policy - not only this endorsement
| Deductible |
$250 |
$500 |
$1000 |
$2500 |
| Rate Per $1000 | $10.93 | $9.95 | $8.31 | $5.47 |
NON-OWNER OCCUPIED DWELLINGS - ENDORSEMENTS
(TENANT OCCUPIED OR REHAB DWELLINGS)
ON PREMISES THEFT ENDORSEMENT
Deductible listed is deductible for policy - not only this endorsement
Minimum deductible on rehab properties with theft endorsement is $1,000
| Limit/Deductible |
$250 |
$500 |
$1000 |
$2500 |
| $1000 | N/A | N/A | N/A | N/A |
| $2000 | N/A | N/A | N/A | N/A |
| $3000 | $254 | $241 | $203 | $165 |
| $4000 | $289 | $275 | $231 | $188 |
| $5000 | $310 | $295 | $248 | $202 |
INCREASED LIMIT FOR OTHER STRUCTURES IN PROTECTION CLASSES 1 - 8 ENDORSEMENT
10% of Coverage A included in policy
Deductible listed is deductible for policy - not only this endorsement
| Deductible |
$250 |
$500 |
$1000 |
$2500 |
| Rate Per $1000 | $12.97 | $11.80 | $9.86 | $6.49 |
INCREASED LIMIT FOR OTHER STRUCTURES IN PROTECTION CLASSES 8B, 9, AND 10 ENDORSEMENT
10% of Coverage A included in policy
Deductible listed is deductible for policy - not only this endorsement
| Deductible |
$250 |
$500 |
$1000 |
$2500 |
| Rate Per $1000 | $19.57 | $17.81 | $14.87 | $9.79 |
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Most recent update: 12/22/2011
For more information, contact thewip@execpc.com
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