Eligibility Guidelines – General

Subject	Standard Form 3	Preferred Form 3	Unit Owner Form 6	Unit Owner Preferred Form 6	Renter Form 4
Animals – Dogs	Ineligible dog breeds: Dobermans, Rottweilers, Chows, Akitas, Pit Bulls, Staffordshire Terrier, American Pitbull Terrier, German Shepherds, Presa Canario; Dogs with bite and / or aggressive behavior history are ineligible.
Animals – Maximum Number	Ineligible dog breeds: Dobermans, Rottweilers, Chows, Akitas, Pit Bulls, Staffordshire Terrier, American Pitbull Terrier, German Shepherds, Presa Canario; Dogs with bite and / or aggressive behavior history are ineligible.
Animals – Other	Horses, llamas, livestock or similar animals are ineligible; chickens are permitted if no eggs are sold / distributed and there are no heated coups near a dwelling; cats and other small house pets are eligible.
Business on Premises	Underwriter approval required prior to binding; properties with business operations in detached structures are ineligible.
Coverage A Additional Coverage	25% Optional	50% Included	Not Applicable
Coverage A - Maximum	Over $1,000,000, refer to Underwriter prior to binding.		Over $100,000, refer to Underwriter prior to binding.		Not Applicable
Coverage A - Minimum	Under $150,000, refer to Underwriter prior to binding.	$250,000	10% of Coverage C		Not Applicable
Credit History	No public records (bankruptcy, foreclosure, judgments, tax liens) in five years.
Day Care	Deductibles include $500, $1,000, $1,500, $2,500, $5,000, and $10,000
Day Care	Minimum $1,500 wind / hail deductible included; other options are available.		$500 minimum
Dome Homes	Ineligible				Eligible
Earth Homes	Ineligible				Eligible
Electrical Service	Electrical systems should be free of knob-and-tube and aluminum wiring and provide the service level and materials to meet demand for house size, technology, and electrical appliances. No fuses. Homes built prior to 1920: the electrical systems (all wiring, connectors, fasteners, and service panels) replaced with modern materials. Suitable documentation must be provided.
Farming	Contact underwriting
Fire Protection	Property must be accessible year-round and within 10 road miles of the primary responding fire department; gated communities or other restricted access ineligible.	Property must be accessible year-round and within five road miles of the primary responding fire department and within 1,000 feet of a hydrant or other year-round water source providing at least 3,500 gallons of water; gated communities or other restricted access ineligible.	See Standard Form 3	See Preferred Forms 3 and 5	See Standard Form 3
Foundations	Enclosed only		Not Applicable
Guns	Total gun schedules of $10,000 or more and any individual gun value of $5,000 or more contact underwriting regarding additional information and underwriting approval.
Heating	Central heat required; furnace must be 30 years or newer; fuel storage tank must be above ground for oil heat; wood, kerosene, and solar heating are ineligible.		Not Applicable
Heating - Solid Fuel Burning Devices	Do not bind coverage - UL approved units and fireplace inserts may be acceptable if professionally installed with proper clearances meeting manufacturer installation requirements. Fireplace inserts require a continuous flue from the insert to the top of the chimney. Submit the solid fuel questionnaire and photo; prior approval is required. Solid fuel devices include wood corn, and pellet stoves. Units in garages and detached structures are ineligible Exterior stovepipes are ineligible Units used as primary heat source are ineligible All units are charged				Ineligible
Jet-Ski / Personal Watercraft	Stand up jet-skis are ineligible; watercraft used professionally in ski shows and / or for racing are also ineligible. Operators: Licensed or previously licensed household members must meet Personal Auto driver eligibility requirements Unlicensed youthful boat operators must have boating safety course certificate				Refer all watercraft prior to binding
Jewelry	Underwriter approval required prior to binding for single items valued over $15,000; appraisal required for items $5,000 or greater.				Approval and appraisal required for single items $5,000 or greater
Log Homes	Hand hewn log homes are ineligible.				Eligible
Losses Prior Three Years	One weather loss permitted; Non-weather losses ineligible; Open claims ineligible; Losses attributed to the applicant and / or the property to be insured will be evaluated; Multiple incidents in years three to five discuss with underwriting.
Mobile Home / Manufactured Home	Ineligible				Eligible
Mono-line Homeowner	Package business preferred; mono-line considered
Occupancy	Must be owner occupied				Up to two individuals may be insured under one policy
Plumbing	Plumbing systems must be well maintained and free of leaks. Homes built prior to 1920: the plumbing systems must be mostly copper / PVC and free of leaks. Suitable documentation must be provided.
Prior Insurance	Continuous coverage with no lapse required; prior cancellation, non-renewal, or impending non-renewal is ineligible; first time homebuyer is exempt from this requirement.
Roof Condition / Age	20 years old and newer or lifetime roof surface such as tile, slate, and metal; all roofs must be in good condition and free of curling or otherwise deteriorated components.		Not Applicable
Roof Surface Coverage (IA, SD)	All roofs 15 years and over will have ACV loss settlement terms for windstorm or hail losses.		Not Applicable
Roof Surface Coverage MN Only	All roofs 20 years and over will have ACV loss settlement terms for windstorm or hail losses. (Minnesota policies issued prior to 7/1/2013 do not include the ACV roof loss settlement provision.)		Not Applicable
Roof Type	Tin, rubber membrane, tar and gravel, or rolled roofs are ineligible; flat roofs are ineligible. Cosmetic damage exclusion included on metal roofs.		Not Applicable
Seasonal / Secondary Homes	Seasonal or secondary homes that meet underwriting eligibility guidelines are acceptable with supporting coverage of the primary residence; unsupported seasonal or secondary residences will be considered when WNMIC is unable to provide coverage for the primary residence.
Service Line	Not Applicable	Primary homes only. No backdating of coverage.	Not Applicacble
Snowmobiles	Licensed or previous licensed household members must meet Personal Auto eligibility requirements; unlicensed youthful snowmobile operators must have snowmobile safety course certification. 800cc maximum engine size. 4-stroke 1200cc maximum engine size.
Stucco or EIFS / Synthetic Stucco	Homes with EIFS / synthetic stucco are ineligible.		Not Applicable
Swimming Pools	Six foot self-latching fence required; slides and diving boards over sufficient water depth are eligible. Above ground pools without a fenced yard may be eligible if enclosed by deck around pool with a locked gate or additional fence / guard around pool. Ladders must swing up and lock.		Not Applicable
Trampolines	Contact underwriting
Units / Families	No more than two units and / or one family per unit; no more than two boarders or roomers.		No more than one family per unit; no more than two boarders or roomers; no more than eight units in adjoining townhome.		See Occupancy
Water Back-Up Coverage – Increased Limits	Ineligible if there are any prior water back-up losses. If located in a flood zone, cannot be within 1,000 feet of a pond or lake or one mile from a river, stream, or canal.
Watercraft	Operators: Licensed or previously licensed household members must meet Personal Auto driver eligibility requirements Unlicensed youthful boat operators must have boating safety course certificate Boats up to 26 feet, maximum speed 50 mph, maximum value $75,000; stand up jet-skis are ineligible; watercraft used professionally in ski shows and / or for racing are ineligible.				Refer all watercraft prior to binding
Wood-Burning Devices	Gas and brick or stone wood-burning fireplaces are acceptable; woodstoves and woodstove inserts require Underwriter approval prior to binding (see “Heating - Solid Fuel Burning Devices”).				Traditional fireplaces and electric and gas stoves are acceptable
Year of Construction	Homes over 100 years require Underwriter approval prior to binding; Homes on a historic register are ineligible.	30 years and newer	100 years and newer	30 years and newer	Not Applicable