Dwelling and Coverage Eligibility Guidelines

Subject Form 0003 Form 0005 Unit Owners
Form 0006 		Renters
Form 0004
Accessibility Ineligible if dwelling is not accessible year round by vehicle.
Animals – Dogs
(IA, SD, WI only)		 Ineligible dog breeds: Dobermans, Rottweilers, Chows, Akitas, Pit Bulls, Staffordshire Terrier, American Pitbull Terrier, German Shepherds, Presa Canario, Bandog; Dogs with bite and/or aggressive behavior history are ineligible.
Animals – Maximum Number Three dogs; prior approval required for households with more than five animals of any kind or combination.
Animals – Other Horses, llamas, livestock or similar animals contact underwriting; chickens are permitted if no selling/distributing eggs and no heated coop near 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.
Construction Dome, Earth, Manufactured, Mobile, Straw, Hand Hewn Log construction are ineligible; Contact underwriting for Modular homes. Not Applicable
Coverage A - Maximum Over $1,000,000 refer to underwriting prior to binding Over $100,000 refer to underwriter prior to binding Not Applicable
Coverage A - Minimum Under $150,000 refer to underwriting prior to binding $300,000 10% of Coverage C Not Applicable
Coverage C 50% of Coverage A is included Optional limits up to 100% of Coverage A are available $25,000 $10,000
Day Care Ineligible (exceptions may apply in the state of Minnesota; contact underwriting)
Deductible Base deductibles available: $1,000; $1,500; $2,500; $5,000; $10,000 Base deductibles available: $500 $1,000; $1,500; $2,500; $5,000; $10,000
Deductible- Wind/Hail (IA, MN, SD) 1% of Coverage A Not Applicable
Deductible- Wind/Hail (WI) Homes under $500,000-$1,500 Minimum
Homes $500,000 to $999,999- $2,500 Minimum
Homes over $1,000,000- $5,000 Minimum
Dwelling Under Construction/ Builders Risk Must be completed and occupied by insured within 12 months; construction cannot be past foundation stage; Insured may not be builder or general contractor. Ineligible Not Applicable
Electrical Amperage 60 Amps ineligible; 100 Amps minimum
Electrical Service Electrical systems should be free of knob & tube and aluminum wiring and provide the service level and materials to meet demand for house size and technology / electrical appliances. No fuses. Homes built prior to 1960: the electrical systems (all wiring, connectors, fasteners and service panels) replaced with modern materials. Suitable documentation must be provided.
Exterior Wall Covering Synthetic Stucco (EFIS) and Plywood are ineligible Not Applicable
Farming Ineligible
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 contact underwriting. 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; gated communities or other restricted access ineligible. Property must be accessible year-round and within 10 road miles of the primary responding fire department; gated communities or other restricted access contact underwriting.
Foundations Enclosed only; Pier and Beam Ineligible 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; primary heating unit must be 30 years or newer; fuel storage tank must be above ground for oil heat, if storage tank indoor- no masonry floor; Eligible primary heat sources: Natural Gas, Electric, Oil, Geothermal, Propane. 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.
    • Outdoor wood burning unit may be acceptable- minimum 50 ft from any dwelling
    • Barrel stove, Franklin stoves, and homemade stoves ineligible
    • Units in garages and detached structures are ineligible
    • Exterior stovepipes are ineligible
    • Units used as primary heat source are ineligible
    • Surcharge applied to solid fuel burning units
    • Woodburning furnace ineligible
Jet-Ski/ Personal Watercraft Refer to Watercraft policy
Jewelry Underwriter approval required prior to binding for single items valued over $15,000; appraisal required for items $5,000 or greater.
Mobile Home/Manufactured Home Ineligible
Mono-line Homeowner Packaged business required
Occupancy Must be owner occupied; Ineligible if vacant or unoccupied; Maximum of 2 Roomers/Boarders
Plumbing Plumbing systems must be well maintained and free of leaks. Homes built prior to 1960: the plumbing systems must be mostly copper/PVC and free of leaks. Suitable documentation must be provided. Not Applicable
Prior Insurance Continuous coverage with no lapse required; prior cancellation, non-renewal, or impending non-renewal in the last 3 years is ineligible; first time homebuyer is exempt from this requirement-Must be written in Select. Not Applicable
Residence One and two family dwellings Not Applicable
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 10 years and over will have ACV loss settlement terms for windstorm or hail losses. Not Applicable
Roof Surface Coverage(MN Only) All roofs will have ACV loss settlement terms for windstorm or hail losses. (Optional Replacement Cost -buyback available for roofs verified to be less than 10 years old; coverage not available for wood roofs). Not Applicable
Roof Type Tin, rubber membrane, tar and gravel, or rolled roofs are ineligible; flat roofs over living areas are ineligible. Cosmetic damage to metal roofs is excluded. Not Applicable 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 Primary homes only. No backdating of coverage. $10,000 of coverage for homes 50 years and newer. Homes over 50 years maximum coverage of $2,500. Not Applicable Not Applicable
Snowmobiles Refer to Road & Trail policy
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.
Trampolines Trampolines with full safety netting, staken to the ground may be eligible. Surcharge will apply; Exclusion also available.
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.
Water Back-Up Coverage Ineligible if there are any water back-up losses in previous 3 years. 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 Refer to Watercraft policy
Wood Burning Devices Gas and wood burning masonry fireplaces are acceptable. Outdoor wood burning units are acceptable when a minimum of 50 ft from a dwelling. Franklin stoves or homemade stoves and wood furnaces are ineligible. Woodstoves and woodstove inserts require Underwriter approval prior to binding (see “Heating - Solid Fuel Burning Devices”).
Year of Construction Homes over 100 years require underwriter approval prior to binding; Homes on a historic register are ineligible. 30 years and newer Homes over 100 years require underwriter approval prior to binding; Homes on a historic register are ineligible. Not Applicable