Rates
MOBILE HOMES
Eligible for owner or non-owner occupied Dwelling Property only; rate as frame construction; apply the following additional charge per $1,000 of insurance to the policy premium.
Occupancy | Cook County | Remainder of State | East St. Louis |
Owner Occupied | $11.617 | $7.876 | $11.232 |
Non-Owner Occupied | $25.250 | $15.302 | $23.279 |
Personal Property | $13.389 | $12.703 | $13.389 |
HOMEOWNERS OPTIONAL LIABILITY COVERAGE
OPTIONAL LIABILITY COVERAGE | |||
Coverage E Personal Liability | $100,000 | $200,000 | $300,000 |
Coverage F Medical Payments | $1,000 | $2,000 | $2,000 |
Premiums | incl. | $40 | $50 |
* Note Coverage E = Personal Liability; Coverage F = Medical Payments
HOMEOWNERS TOWNHOUSE OR ROWHOUSE
HO 2, HO 3 and HO 8 policies; premium for an eligible townhouse or rowhouse is computed by multiplying the base premium by the appropriate factor from the following table.
Number of Units | Protection Class 1-8 | Protection Class 9 & Over |
1 or 2 Family Dwelling | ||
1 & 2 | 0.92 | 0.92 |
3 & 4 | 1.01 | 1.06 |
5 - 8 | 1.15 | 1.20 |
9 & Over | 1.29 | 1.33 |
3 or 4 Family Dwelling | ||
5 - 8 | 1.06 | 1.10 |
9 & Over | 1.20 | 1.24 |
RESIDENTIAL MINE SUBSIDENCE
COVERAGES | |
$19.00 | first $10,000 coverage |
$2.77 | for each additional $10,000 or fraction thereof |
up to a maximum of $750,000 |
WATER BACK-UP AND SUMP OVERFLOW
HO 3 Policies only; $5,000 limit of liability; $250 Deductible
Territory | Premium Charge |
Chicago, Lake and Cook Counties | $325.00 |
Remainder of State and Southeastern Counties | $325.00 |