Filing at a Glance - Pennsylvania Insurance Department

Filing at a Glance

Companies: Chubb Indemnity Insurance CompanyChubb National Insurance CompanyGreat Northern Insurance CompanyPacific Indemnity CompanyVigilant Insurance CompanyFederal Insurance Company

Product Name: Masterpiece

State: Pennsylvania

TOI: 04.0 Homeowners

Sub-TOI: 04.0000 Homeowners Sub-TOI Combinations

Filing Type: Rate/Rule

Date Submitted: 12/01/2016

SERFF Tr Num: ACEH-130764825

SERFF Status: Assigned

State Tr Num:

State Status: Received Review in Progress

Co Tr Num: 16-11049-RR

Effective DateRequested (New):

04/11/2017

Effective DateRequested (Renewal):

05/26/2017

Author(s): Kathleen Casey, Cindy Langston, Doreen Freiman, Brenda Balboni, Deborah Carman, AronSamkoff

Reviewer(s): Bojan Zorkic (primary), Michael McKenney

Disposition Date:

Disposition Status:

Effective Date (New):

Effective Date (Renewal):

State Filing Description:

SERFF Tracking #: ACEH-130764825 State Tracking #: Company Tracking #: 16-11049-RR

State: Pennsylvania First Filing Company: Chubb Indemnity Insurance Company, ...

TOI/Sub-TOI: 04.0 Homeowners/04.0000 Homeowners Sub-TOI Combinations


Project Name/Number: HO Mid Phase/ 16 11049

PDF Pipeline for SERFF Tracking Number ACEH-130764825 Generated 12/08/2016 06:36 AM

General Information

Company and Contact

Project Name: HO Mid Phase Status of Filing in Domicile:

Project Number: 16 11049 Domicile Status Comments:

Reference Organization: Reference Number:

Reference Title: Advisory Org. Circular:

Filing Status Changed: 12/01/2016

State Status Changed: 12/02/2016 Deemer Date:

Created By: Cindy Langston Submitted By: Cindy Langston

Corresponding Filing Tracking Number: ACEH-130764824

Filing Description:

We are filing for your review and approval, revisions to the MASTERPIECE program in Pennsylvania.

Please refer to the attached actuarial filing memorandum and the Description of Change document under SupportingDocumentation for the details regarding the changes submitted under this filing. Also attached is the final print and the markedcopy of the manual pages reflecting the changes.

Our proposed effective date is April 11, 2017 for newlines and May 26, 2017 for renewals. Please contact me should you haveany questions or require additional information. Your approval will be greatly appreciated.

Filing Contact InformationCindy Langston, State Filing Analyst III [email protected]

202 Hall's Mill Road

P.O. Box 1600

Whitehouse Station , NJ 08889

908-572-2873 [Phone]

908-572-4034 [FAX]







Filing Company InformationChubb National InsuranceCompany

One American Square

202 N. Illinois St.

Suite 2600

Indianapolis, IN 46282

(908) 572-2000 ext. [Phone]

CoCode: 10052

Group Code: 626

Group Name: Chubb

FEIN Number: 22-3253301

State of Domicile: Indiana

Company Type: Stock

State ID Number:

Great Northern InsuranceCompany

One American Square

202 N. Illinois St.

Suite 2600


(908) 572-2000 ext. [Phone]

CoCode: 20303

Group Code: 626

Group Name: Chubb



Company Type: Stock

State ID Number:

Federal Insurance Company

One American Square

202 N. Illinois St.

Suite 2600


(908) 572-2000 ext. [Phone]

CoCode: 20281

Group Code: 626

Group Name: Chubb



Company Type: Stock

State ID Number:

Chubb Indemnity InsuranceCompany

55 Water Street

New York, NY 10041-2899

(908) 572-2000 ext. [Phone]

CoCode: 12777

Group Code: 626

Group Name: Chubb


State of Domicile: New York

Company Type: Stock

State ID Number:

Vigilant Insurance Company

55 Water Street

New York, NY 10041-2899

(908) 572-2000 ext. [Phone]

CoCode: 20397

Group Code: 626

Group Name: Chubb


State of Domicile: New York

Company Type: Stock

State ID Number:

Pacific Indemnity Company

Two Plaza East

Suite 1450

330 East Kilbourn Avenue

Milwaukee, WI 53202-3146

(908) 572-2000 ext. [Phone]

CoCode: 20346

Group Code: 626

Group Name: Chubb


State of Domicile: Wisconsin

Company Type: Stock

State ID Number:







Filing Fees

State Specific

Fee Required? Yes

Fee Amount: $105.00

Retaliatory? Yes

Fee Explanation: Federal Ins. Co., Great Northern Ins. Co., and Chubb National Ins. Co. are domiciled inIndiana. Indiana charges $35.00 per rate or rule filing per company.

3 companies x $35 = $105.00

There are no filing fees for Chubb Indemnity Ins. Co. (NY), Pacific Indemnity Co. (WI), VigilantIns. Co. (NY).

Per Company: Yes

Company Amount Date Processed Transaction #Great Northern Insurance Company $35.00 12/01/2016 117273681Chubb National Insurance Company $35.00 12/01/2016 117273682Federal Insurance Company $35.00 12/01/2016 117273683

*Filing Fee Amount: 105.00*Date Filing Fee Mailed: EFT*Filing Fee Check Number: EFT*Filing Fee Check Date: EFT*NAIC Number: 10052~20303~20281







Correspondence Summary Filing NotesSubject Note Type Created By Created On Date SubmittedReply to 12/05/16 Note to Filer Note To Reviewer Cindy Langston 12/06/2016 12/06/2016Proprietary and Confidential labeling Note To Filer Bojan Zorkic 12/05/2016 12/05/2016







Note To Reviewer

Created By:

Cindy Langston on 12/06/2016 09:33 AM

Last Edited By:

Cindy Langston

Submitted On:

12/06/2016 09:33 AM

Subject:

Reply to 12/05/16 Note to Filer

Comments:

In response to your 12/05/16 note to filer, please disregard the Proprietary and Confidential labeling on exhibit 10.1.







Note To Filer

Created By:

Bojan Zorkic on 12/05/2016 08:40 AM

Last Edited By:

Bojan Zorkic

Submitted On:

12/05/2016 08:41 AM

Subject:

Proprietary and Confidential labeling

Comments:

Please clarify if the Proprietary and Confidential labeling on exhibit 10.1 is intentional. If so, please provide the rationale as towhy this information should be kept as such. If not, please provide a note to reviewer stating so. Thank you.

Bojan Zorkic717-787-6968







Rate Information Rate data applies to filing.

Filing Method: Prior Approval

Rate Change Type: Increase

Overall Percentage of Last Rate Revision: 2.500%

Effective Date of Last Rate Revision: 12/07/2015

Filing Method of Last Filing: Prior Approval

Company Rate Information

Company

Name:

Overall %

Indicated

Change:

Overall %

Rate

Impact:

Written Premium

Change for

this Program:

Number of Policy

Holders Affected

for this Program:

Written

Premium for

this Program:

Maximum %

Change

(where req'd):

Minimum %

Change

(where req'd):Chubb IndemnityInsurance Company

% 4.500% $323,766 1,535 $7,118,591 14.700% -4.700%

Chubb National InsuranceCompany

% 4.500% $824,182 4,650 $18,283,940 58.900% -4.600%

Great Northern InsuranceCompany

% 4.600% $2,095,285 10,132 $45,866,083 18.900% 5.300%

Pacific IndemnityCompany

% 4.700% $445,925 2,792 $9,429,466 16.700% -3.100%

Vigilant InsuranceCompany

% 4.400% $180,946 995 $4,135,565 14.200% -5.500%

Federal InsuranceCompany

% 4.400% $255,074 1,504 $5,748,027 39.400% -5.600%







Rate/Rule Schedule

Item

No.

Schedule Item

Status Exhibit Name Rule # or Page # Rate Action

Previous State

Filing Number Attachments1 Home and Contents: Rules Page 5.1-5.3 Replacement No State #~SERFF

#CHUB-130107605~Co #15-9937-RR

Home and Contents Rules04.11.17_Final .pdf

2 Home and Contents: Rules Discounts

Page 5a.1-5a.2 Replacement No State #~SERFF#CHUB-130107605~Co #15-9937-RR

Home and Contents Rules –Discounts 04.11.17_Final.pdf

3 Home and Contents: Charts Page 7.1-7.19 Replacement No State #~SERFF#CHUB-130130486~Co #15-10237-RR

Home and Contents Charts04.11.17_Final.pdf

4 Home and Contents: Rules -High base deductibles

Page 5d.1 New Home and Contents Rules pg5d.1.pdf

5 Home and Contents: Rates -High base deductibles

Page 7a.1 New Home and Contents Rates pg7a.1.pdf







Home and Contents: Rules

04/11/17 Pennsylvania Masterpiece Manual Home and Contents: Rules Page 5.1

This manual is for policies insured with us for the applicable rates for Federal Insurance Company, Chubb Indemnity Insurance Company, Chubb National Insurance Company, Great Northern Insurance Company, Pacific Indemnity Company, and Vigilant Insurance Company.

Eligibility All homes, except city homes, must be used as one−family or two−family residences. A city home must be an owner occupied rowhouse with no more than one rental unit and must meet all of the following criteria: masonry construction built prior to 1940 renovated plumbing, heating and electrical systems. Contents coverage may be written for the owner occupied unit only. A vacation home must be an owner occupied house, other than a primary residence, but may be rented to others for up to 15 days in any given policy term.

Contents coverage may be written for a house owned by the insured only if house coverage is included in the policy.

Coverage options Property covered

Types of coverage

Payment basis (loss settlement)

House (dwelling only)

Deluxe (all risk) City home house (all risk) Vacation home (all risk)

Extended replacement cost, verified replacement cost or conditional replacement cost

Contents (with Deluxe house)

Deluxe (all risk) Standard (named perils) Fire (named perils, without theft)

Replacement cost or actual cash value Replacement cost or actual cash value Actual cash value

Contents (with City home house)

City home contents (all risk)

Replacement cost or actual cash value

Contents (with Vacation home house)

Deluxe (all risk) Standard (named perils)


Contents (Condominium, Cooperative, or Renters)





Minimum amount These are the minimum amounts of coverage: Deluxe house or vacation home house amount with or without contents: $ 50,000 City home house amount with city home contents: $400,000* City home house amount without contents: $400,000** Condominium or cooperative: $ 15,000 Renters: $ 15,000 * City home contents coverage may not be less than 10% of City home house coverage. ** City home house without contents is only available if the renovation surcharge applies (house is being rebuilt/course of construction).

Base premium determination (not applicable to City home house) The base premium is calculated for:

$100,000 house coverage insured on an extended replacement cost basis, (or $40,000 condominium, cooperative, or renters contents coverage insured on a replacement cost basis);

$50,000 contents coverage insured on a replacement cost basis (for a Deluxe house with Deluxe or Standard contents coverage only);

$30,000 contents coverage insured on a replacement cost basis (for a vacation home house with deluxe or standard contents coverage only);

$20,000 other permanent structures coverage for a deluxe house or $10,000 other permanent structures coverage for a vacation home house (or $4,000 additions and alterations coverage for a condominium, cooperative, or renters);

$50,000 personal liability coverage; and

$500 deductible.

Fire protection The fire protection factor (not applicable to City home house) and fire protection code is determined by the type of coverage for the residence, the distance a fire hydrant or fire station is from the residence and whether the residence has a central station or direct reporting fire alarm. In lieu of a fire protection factor, a separate discount is available for fire protection if a city home has a direct or central station reporting fire alarm.

Value factor (not applicable to City home house) The value factor is determined by using the type of coverage for the location, the fire protection code, and the value of the building or contents. For a house, use the value of the highest valued building at the location (excluding contents) to determine the coverage amount. For a condominium, cooperative, or rental unit, use the value of contents to determine the amount of coverage.

Deductibles All homes and contents coverages must have the same deductible. If a policy has a deductible higher than $50,000, the deductible waiver will not apply. The following flat deductibles are available: $250 $500 $1,000 $2,500 $5,000 $7,500 $10,000 $25,000 $50,000 $100,000

Underinsured houses If a house is not insured to at least 90% of the amount of coverage we recommend, the payment basis will be conditional replacement cost. There is an undervalue surcharge when coverage is below 80% of the amount of coverage we recommend.



Renovated or newly constructed houses If new construction of a house or other permanent structures or additions, alterations or renovations to the existing house or other permanent structures occurs that results in the insured living out of the house, the company must be notified.

Vacant houses If an insured house will be vacant (substantially empty of furnishings and contents) for more than 30 days, the company must be notified.

Personal liability Liability is rated in the state where the Primary residence (first location with liability) is located regardless of the location of any additional residence(s). If liability is not requested, we apply a discount for each location that building and/or contents coverage is provided.

Home and Contents: Rules – Discounts

04/11/17 Pennsylvania Masterpiece Manual Home and Contents: Rules – Discounts Page 5a.1

Applicable to house and contents, condominium, cooperative, and renters The following discounts are applied to house and contents, condominium, cooperative and renters coverage, if applicable. Burglar alarm – Applicable if the residence has a central station or direct reporting theft or burglar alarm. This discount is

not applicable to Deluxe house without contents or with fire contents. Fire resistive – Applicable if the house or the unit is in a building where exterior walls, floors, and roof are built of masonry

or other fire resistive materials with a rating of two hours or more. Suburban rating (not applicable to city homes) – Applicable to a residence if the following conditions are met:

the residence is within 3 miles of the first responding fire department which: has at least 2 pumpers; and brings at least 6,000 gallons of water; or brings at least 4,000 gallons of water and has dual response or mutual aid agreement(s) with fire department(s)

within 5 miles of the residence which will supply an additional 2,000 gallons of water; and the ISO protection class is not greater than 9. Gated community (not applicable to city homes) – Applicable if the residence is located in a gated community. A

residence is in a gated community if:

vehicle access is limited to entrances controlled by guards or locked gates at all times;

proper identification is required to enter; and

visitors are announced. This discount is not intended for high rise buildings. Gated community patrol service (not applicable to city homes) – Applicable if the residence in the gated community has

a fire and burglar alarm that when activated, alerts the community’s 24-hour patrol service to dispatch a guard to the residence. Premier client – Applicable in one of two ways, based on either customer tenure or risk tenure:

customer tenure - applied for a new location if the insured has another location insured by us for three or more consecutive years. The discount will apply to the new location for the first three policy terms. Once a location has a risk tenure of three years or more, the discount will be based on the risk tenure provided we did not pay any property claims for that location; or

risk tenure - applied for each location insured by us for three or more consecutive years that we did not pay any property claims for that location within the last three years. If a claim we paid is reimbursed in full through salvage and/or subrogation, that claim may be waived when determining eligibility for this discount. This discount is not applied if we paid any property claims for a location due to a loss caused by a catastrophe.

Portfolio discount – home with valuable articles – Applicable for a primary, owner-occupied house, condominium,

cooperative or a primary occupied rental unit when valuable articles coverage, meeting certain eligibility (see Charts section), is written on the same policy at the same location. Portfolio discount – home with auto – Applicable for a residence, if the residence is not seasonal, secondary or rented

to others, listed on the policy when the insured has a good standing active Masterpiece automobile policy with us. If the residence is a house, the house must have contents coverage listed on the policy. A city home may have up to one rental unit and still qualify for this discount. The automobile policy must have at least one private passenger vehicle with physical damage coverage garaged in the state of Pennsylvania at that location. Payment history – Applicable for a residence when the insured (not a mortgagee or lienholder) has paid the premium in

full at least two years within the past five years. The five year eligibility period begins with the policy term immediately following the policy term where the premium was paid by the mortgagee or lienholder, if applicable. Lien free (not applicable to renters) – Applicable if the residence has no mortgage or lien. This discount is not applied

if the residence is vacant, under the course of construction or rented to others.

Home and Contents: Rules – Discounts

04/11/17 Pennsylvania Masterpiece Manual Home and Contents: Rules – Discounts Page 5a.2

Applicable to house and contents only The following additional discounts are applied to house and contents coverage, if applicable. Residential sprinkler system – Applicable if the living areas, basement and heating system area have an approved and

properly maintained sprinkler system. New house (not applicable to city homes) – Applicable if the house was built within the last ten years. Renovated house (not applicable to city homes) – Applicable if the house was renovated within the last six years. If this

renovated house discount applies, the new house discount cannot. To qualify as renovated, the plumbing and heating systems and the electrical system must have been completely upgraded including new wiring, receptacles, circuit boxes and conduits in exposed areas. The renovation must have been inspected and approved by licensed civil authorities in compliance with the local building codes. Superior protection (not applicable to city homes) – Applicable if one or more of the protection characteristics on the

superior protection discount chart apply.

Applicable to City home house and City home contents The following additional discounts are applied to City home house and City home contents coverage, if applicable. Temperature monitoring system – Applicable if the city home has a temperature monitoring system which reports

directly into a central station or direct fire alarm. Restoration – Applicable if the city home underwent restoration of its plumbing or electrical systems,

heating/A.C./ventilating system, or its roof or façade repointing within the last ten years.

Applicable to condominium, cooperative, and renters The following additional discounts are applied to condominium, cooperative, and renters coverage, if applicable. Building security protection – Applicable to a condominium, cooperative, or rental unit meeting all of the following

criteria:

building entrances are at all times:

manned; or

locked and secured by a central station or direct reporting burglar alarm;

visitors are announced; and

elevators are either manned or key controlled or must be accessed through a locked door. Building fire protection – Applicable to a condominium, cooperative, or rental unit meeting all of the following criteria:

approved and properly maintained sprinkler systems have been installed throughout the building; and

common areas have a central station or direct reporting fire alarm or fire alarm which alerts the building security staff.

Home and Contents: Charts

04/11/17 Pennsylvania Masterpiece Manual Home and Contents: Charts Page 7.1

Base premium chart (not applicable to City home house)

Type of coverage

Base premium

Deluxe house/Vacation home house $ 1,231

Condominium/Cooperative $ 259

Renters $ 269

Coverage type chart (not applicable to City home house)

Coverage Factor

Deluxe house/deluxe contents 1.100

Deluxe house/standard contents 1.000

Deluxe house without contents or with fire contents* 0.750

Vacation home house with deluxe contents 0.990

Vacation home house with standard contents 0.900

Deluxe condominium or cooperative 1.350

Standard condominium or cooperative 1.000

Deluxe renters 1.350

Standard renters 1.000

*There is an additional charge for Fire contents coverage.

City home house base premium chart

Writing Company

Type of coverage

Rate per $100 all territories

Federal Insurance Company, Vigilant Insurance Company, Pacific Indemnity Company

City home house $ 0.289

Great Northern Insurance Company, Chubb Indemnity Insurance Company, Chubb National Insurance Company


Other permanent structures adjustment - City home house

For each 1% above 20% of house coverage: For each 1% below 20% of house coverage:

0.50% -0.25%

Sinkhole collapse coverage If sinkhole collapse coverage is requested for a house, the factor is 20%.

Discount Writing Company Charts (not applicable to City home house)

Deluxe house/ vacation home

house

Condominium or

cooperative

Renters

Vigilant Insurance Company 0.800 0.900 0.900

Pacific Indemnity Company 0.712 0.900 0.900

Great Northern Insurance Company, Chubb National Insurance Company, Chubb Indemnity Insurance Company

0.663 0.850 0.850



Territory relativity chart (not applicable to City home house)

Territory

Deluxe house/vacation

home house

Condominium or

cooperative

Renters

001 1.000 1.000 1.000

005 0.720 0.519 0.519

006 0.537 0.519 0.519

007 0.512 0.519 0.519

008 0.720 0.519 0.519

009 0.756 0.519 0.519

010 0.611 0.549 0.549

012 0.537 0.519 0.519

014 1.000 1.000 1.000

021 0.676 0.549 0.549

022 0.537 0.519 0.519

023 0.512 0.519 0.519

024 0.676 0.549 0.549

025 0.512 0.519 0.519

027 0.512 0.519 0.519

031 0.570 0.519 0.519

035 0.697 0.610 0.610

037 0.756 0.519 0.519

051 0.697 0.519 0.519

052 0.697 0.519 0.519

053 0.611 0.549 0.549

054 0.720 0.519 0.519

055 0.675 0.549 0.549

056 0.756 0.519 0.519

057 0.676 0.549 0.549

058 0.570 0.519 0.519

059 0.570 0.519 0.519

061 0.611 0.549 0.549

071 0.611 0.549 0.549

073 0.707 0.519 0.519

074 0.675 0.549 0.549

075 0.697 0.519 0.519

076 0.629 0.610 0.610

077 0.697 0.519 0.519

081 0.697 0.519 0.519

082 0.697 0.519 0.519

083 0.707 0.747 0.747

086 0.910 0.747 0.747

087 0.756 0.519 0.519

088 0.697 0.519 0.519

089 0.720 0.519 0.519

090 0.537 0.519 0.519

091 0.697 0.519 0.519

092 0.715 0.549 0.549

093 0.720 0.519 0.519

094 0.697 0.519 0.519

095 0.863 0.747 0.747

096 0.697 0.519 0.519

099 0.611 0.549 0.549

100 0.512 0.519 0.519



Territory relativity chart (not applicable to City home house) (continued)

Territory


home house

Condominium or

cooperative

Renters

101 0.910 0.747 0.747

102 0.611 0.549 0.549

104 0.697 0.610 0.610

105 0.697 0.610 0.610

106 0.697 0.610 0.610

107 0.697 0.833 0.833

108 0.697 0.833 0.833

109 0.697 0.610 0.610

110 0.697 0.610 0.610

111 0.697 0.610 0.610

112 0.697 0.610 0.610

113 0.697 0.610 0.610

114 0.697 0.833 0.833

115 0.697 0.610 0.610

116 0.697 0.610 0.610

117 0.697 0.610 0.610

119 0.697 0.610 0.610

120 0.697 0.610 0.610

121 0.697 0.610 0.610

122 0.697 0.833 0.833

123 0.697 0.610 0.610

124 0.697 0.610 0.610

125 0.697 0.610 0.610

126 0.697 0.833 0.833

127 0.697 0.610 0.610

128 0.697 0.610 0.610

129 0.697 0.610 0.610

130 0.697 0.610 0.610

131 0.697 0.610 0.610

132 0.863 0.747 0.747

133 0.727 0.747 0.747

134 0.753 0.519 0.519

135 0.863 0.747 0.747

136 0.863 0.747 0.747

137 0.753 0.519 0.519

138 0.727 0.747 0.747

139 0.629 0.610 0.610

140 0.863 0.747 0.747

141 0.863 0.747 0.747

Coverage adjustments charts

Contents adjustment Additional deluxe or standard contents purchased:

Factor

For each 1% of contents above 50% of deluxe house coverage

0.50%

For each 1% of contents above 30% of vacation home house coverage

0.50%



Coverage adjustments charts (continued)

Reduced deluxe or standard contents purchased:

Factor

For each 1% of the first 10% contents below 50% of deluxe house coverage

-0.35%

For each 1% of contents below 40% of deluxe house coverage

-0.25%

For each 1% of contents below 30% of vacation home house coverage

-0.25%

For deluxe house the only contents value available below 5% is zero. For vacation home house the contents cannot be reduced below 5%. Fire contents (not applicable to City home house). For every 1% of house coverage that is requested for the fire

contents amount, the factor is 0.45%

City home contents Writing Company

Amount of coverage



50% or more of house coverage $ 0.312

40%-49% of house coverage $ 0.364





50% or more of house coverage $ 0.293





Other permanent structures adjustment For each 1% above 20% of deluxe house and above 10% of vacation home house coverage:

For each 1% below 20% of deluxe house and below 10% of vacation home house coverage:

0.50% -0.25%

Additions and alterations adjustment

Additional additions and alterations purchased:

For each 1% above 10% of additional additions and alterations purchased:

First 20% 0.50%

Additional 20%+ 0.53%

Reduced additions and alterations purchased. For every 1% of additions and alterations coverage below 10% of

contents coverage, the factor is -0.50%.



Actual cash value adjustment

Actual cash value discount

Apply if actual cash value payment basis applies in lieu of replacement cost payment basis

Deluxe house/ vacation home house with deluxe or standard contents

City home house with City home contents

Condominium, cooperative, or renters

10% 10% 23%

Mold remediation expenses chart

Mold remediation expenses coverage

House Condominiums, cooperatives, or renters

Percentage of house coverage

Surcharge

Percentage of combined amount of contents and additions and alterations

Surcharge

10% 28% 10% 14% 25% 36% 25% 18% 50% 44% 50% 22% 75% 52% 75% 26% 100% 60% 100% 30%

GreenWise upgrade coverage - houses

Percentage of house coverage

Surcharge

10% 1%

25% 2%

50% 3%

75% 4%

100% 5%

Fire protection chart (not applicable to City home house)

Fire protection factor

Fire station within five

miles of residence?

Fire hydrant within 1,000 feet of the

residence?*

Central station or direct

reporting fire alarm?

Deluxe house or vacation

home house


Fire protection code

Yes

Yes Yes 0.95 0.95 A

No 1.00 1.00 A

No Yes 1.06 1.10 A

No 1.18 1.26 B

No

Yes Yes 1.10 1.15 A

No 1.26 1.31 B

No Yes 1.13 1.18 B

No 1.38 1.40 B

*A 10,000 gallon water source (private hydrant, pool, etc.) which is accessible year-round is also acceptable.

GreenWise upgrade coverage – condominium or cooperatives


Surcharge

10% 1%

25% 2%

50% 3%

75% 4%

100% 5%



Value factor chart (not applicable to City Home House) Fire protection code. Use the fire protection chart to determine whether a residence is fire protection code

A or B. Value of building or contents. For a house, use the value of the highest valued building at the location

(excluding contents) to determine the coverage amount. For a condominium, cooperative, or rental unit, use the value of contents to determine the amount of coverage. Round the value to the nearest $1,000.

If the building or contents value is not in the chart, calculate your value factor using the nearest value factor and the factor increase per $1,000. EXAMPLE: $153,000 deluxe house or vacation home house with deluxe contents, fire protection code A For $150,000 the value factor is 1.4500; the value factor per $1,000 is 0.00900.

Figure the difference between the value of the building or contents and the nearest value in the chart (less than or equal to) and divide by 1,000. This provides the number of thousands between the values. $153,000 -$150,000 $ 3,000 ÷ $1,000 = 3 Multiply the value factor per 1,000 by the number of thousands between values 3 x 0.0090 = 0.027 Add this amount to the $150,000 value factor 1.4500 1.4500 + 0.0270 = 1.4770 The result, 1.4770, is the value factor for this example.

Deluxe house or vacation home house

Fire protection code A Fire protection code B

Value of building Value factor Value factor per $1,000 Value factor Value factor per $1,000

$ 50,000 0.5000 0.01000 0.5000 0.01000

$ 55,000 0.5500 0.01000 0.5500 0.01000

$ 60,000 0.6000 0.01000 0.6000 0.01000

$ 65,000 0.6500 0.01000 0.6500 0.01000

$ 70,000 0.7000 0.01000 0.7000 0.01000

$ 75,000 0.7500 0.01000 0.7500 0.01000

$ 80,000 0.8000 0.01000 0.8000 0.01000

$ 85,000 0.8500 0.01000 0.8500 0.01000

$ 90,000 0.9000 0.01000 0.9000 0.01000

$ 95,000 0.9500 0.01000 0.9500 0.01000

$ 100,000 1.0000 0.00900 1.0000 0.01126

$ 150,000 1.4500 0.00900 1.5630 0.01126

$ 250,000 2.3500 0.00760 2.6890 0.00950

$ 500,000 4.2500 0.00700 5.0640 0.00876

$ 700,000 5.6500 0.00600 6.8160 0.00750

$ 1,000,000 7.4500 0.00600 9.0660 0.00750

$ 1,500,000 10.4500 0.00600 12.8160 0.00750

$ 3,000,000 19.4500 0.00620 24.0660 0.00776

$ 5,000,000 31.8500 0.00640 39.5860 0.00800

$ 7,500,000 47.8500 0.00640 59.5860 0.00800

$10,000,000 63.8500 0.00640 79.5860 0.00800

$20,000,000+ 127.8500 0.00640 159.5860 0.00800



Value factor chart (continued)


Fire protection codes A and B

Value of contents

Value factor

Value factor per $1,000

$ 15,000 0.3550 0.02580

$ 30,000 0.7420 0.02580

$ 40,000 1.0000 0.02800

$ 150,000 4.0800 0.02580

$ 1,000,000 26.0100 0.02580

$ 1,500,000 38.9100 0.02580

$ 3,000,000 77.6100 0.02580

$ 5,000,000 129.2100 0.02580

Deductible factor charts

Deluxe house, Vacation home house, Condominium, Cooperative, or Renters:

Deluxe House, Vacation Home House

Base deductible

Value of building

$250 $500 $1,000 $2,500 $5,000 $7,500 $10,000 $25,000 $50,000 $100,000

$ 15,000 1.150 1.050 0.900 0.735 0.600 0.550 0.500 0.450 0.400 0.300

$ 50,000 1.150 1.050 0.900 0.735 0.600 0.550 0.500 0.450 0.400 0.300 $ 500,000 1.150 1.050 0.900 0.735 0.600 0.550 0.500 0.450 0.400 0.300 $ 1,000,000 1.200 1.150 0.950 0.800 0.625 0.550 0.520 0.450 0.400 0.330 $ 2,500,000 1.200 1.150 1.100 0.835 0.750 0.650 0.545 0.490 0.425 0.375 $ 5,000,000 1.500 1.250 1.100 0.900 0.800 0.750 0.620 0.535 0.450 0.400 $ 7,500,000 and greater

1.500 1.300 1.250 0.950 0.900 0.850 0.800 0.750 0.564 0.500

We interpolate between the closest lower and higher listed values where applicable.

Condominium, cooperative, or renters Value of Contents

Base deductible

and A&A combined

$250 $500 $1,000 $2,500 $5,000 $7,500 $10,000 $25,000 $50,000 $100,000

$ 15,000 1.150 1.050 0.900 0.735 0.600 0.550 0.500 0.450 0.400 0.300

$ 50,000 1.150 1.050 0.900 0.735 0.600 0.550 0.500 0.450 0.400 0.300 $ 500,000 1.150 1.050 0.900 0.735 0.600 0.550 0.500 0.450 0.400 0.300 $ 1,000,000 1.200 1.150 0.950 0.800 0.625 0.550 0.520 0.450 0.400 0.330 $ 2,500,000 1.200 1.150 1.100 0.835 0.750 0.650 0.545 0.490 0.425 0.375 $ 5,000,000 1.500 1.250 1.100 0.900 0.800 0.750 0.620 0.535 0.450 0.400 $ 7,500,000 and greater

1.500 1.300 1.250 0.950 0.900 0.850 0.800 0.750 0.564 0.500




Deductible factor charts (continued)

City home house

Base deductible

Deductible

factors

Maximum amount

of change

$ 250 1.250 No Maximum

$ 500 1.120 No Maximum

$ 1,000 1.000 --

$ 2,500 0.875 $ 1,500

$ 5,000 0.750 $ 3,000

$ 7,500 0.688 $ 4,500

$ 10,000 0.625 $ 7,000

$ 25,000 0.563 $ 9,000

$ 50,000 0.500 $13,000

$100,000 0.410 $14,500

Discounts and surcharges charts

Burglar alarm Factor

Deluxe house or vacation home house with deluxe or standard contents 0.95

Deluxe house with fire contents or no contents 1.00

Deluxe or standard condominium, cooperative, or renters 0.95

Discounts

Deluxe house

or vacation home house

Condominium,

cooperative, or renters

Gated community 5% 5%

Gated community patrol service 5% 5%

Residential sprinkler system 10% N/A

Fire resistive 15% 15%

Suburban rating discount 10% 10%

Payment history

2 years paid in full; or

3+ years paid in full

3% 5%

3% 5%

Lien free* 2.5% 2.5%

Building security protection N/A 5%

Building fire protection N/A 5%

*Not applicable to Renters policies.



Discounts and surcharges charts (continued)

Portfolio discounts

Deluxe house,

City home house

Condominium, cooperative, or

renters

Home with auto 10.0% 10.0%

Home with valuable articles Minimum eligible amount of coverage

the total of all itemized and/or blanket valuable articles is at least $250,000; or

the total of all itemized and/or blanket valuable articles (excluding fine arts, if any) is at least $50,000

12.5% 12.5%

the total of all itemized and/or blanket valuable articles is at least $100,000; or

the total of all itemized and/or blanket valuable articles (excluding fine arts, if any) is at least $25,000

10.0% 10.0%

We will apply the highest percentage of discount for which the residence qualifies.

* Portfolio discounts are not applied to the 25% maximum total discount for City home house.

Discounts

City home house (A maximum total discount of 25% applies to City home house)*

Fire alarm 5%

Burglar alarm 5%

Temperature monitoring system 5%

Residential sprinkler system 10%

Fire resistive 15%

Payment history

2 years paid in full; or

3+ years paid in full

3% 5%

Lien free* 2.5%

* Lien free is not applied to the 25% maximum total discount for City home house.

Restoration discount for City home house *

Restoration completed

within 5 years Restoration completed within 6-10 years

Plumbing system 2% 1%

Electrical system 2% 1%

Heating/A.C./ventilating system 2% 1%

Roof 2% 1%

Façade repointing 2% 1%

* Restoration discounts are included in the 25% maximum total discount for City home house.



Superior protection

Superior protection discounts

Deluxe house

Vacation home house

Security protection for the entire external perimeter of the house consisting of any one or more of the following:

closed circuit TV cameras monitored 24 hours a day;

detection system, external to the residence which is motion activated and monitored 24 hours per day;

24 hour on site security guard.

5% 5%

Full time caretaker who lives at the residence year round. This discount applies only if a 24 hour on site security guard is not present.

2% 4%

24 hour signal continuity protection for central station or direct fire and burglar alarm systems which activates the alarm when interrupted.

2% 2%

Perimeter gate where vehicular and pedestrian access is limited to entrances controlled by locked or electronic gates. This discount does not apply if any other Gated community discount applies.

2% 2%

Sprinkler system water flow alarm which activates a central station or direct alarm.

2% 2%

Temperature monitoring system, to protect against freezing, which activates a central station alarm.

2% 4%

Permanently installed, electrical power back−up generator capable of servicing heat, light, alarm and sprinkler systems.

5% 5%

Explosive gas leakage detector which activates a central station or direct fire alarm.

2% 2%

Automatic seismic shut−off valve to gas lines which activates automatically in the event of an earthquake.

2% 2%

Lightning protection system having a U.L. Master Label and installed by a certified Lightning Protection Institute installer. The system must include lightning rods and lightning arresters protecting the electrical wiring and all electronic devices of the entire house.

2% 2%

Water leak detection system having a U.L. Master Label. The system must monitor all areas containing plumbing devices and outlets. In the event of a leak, this system must:

• activate a central station or direct alarm; or 3% 3% • include a control system that closes the

master plumbing value; or 5% 5%

• include a control system that closes the master plumbing value and activates a central station or direct alarm.

8% 8%

The maximum total discount for Superior protection is 15%.



New house and Renovated house discounts (not applicable to City home house)

New house

Age of

dwelling

Renovated house

Years since oldest

renovation

24% 0 17% 0

24% 1 17% 1

21% 2 15% 2

18% 3 12% 3

15% 4 9% 4

12% 5 6% 5

9% 6 3% 6

6% 7

3% 8

2% 9

1% 10

Premier Client Discount

Risk Customer Loss free

tenure tenure No Yes

0 years 1 year 0.0% 0.0%

0 years 2 years 0.0% 0.0%

0 years 3 years -1.0% -1.0%

0 years 4 years -1.5% -1.5%

0 years 5 years -2.0% -2.0%

0 years 6 years -2.5% -2.5%

0 years 7 years -3.0% -3.0%

0 years 8 years -4.0% -4.0%

0 years 9+ years -5.0% -5.0%

1 year 1 year 0.0% 0.0%

1 year 2 years 0.0% 0.0%

1 year 3 years -1.0% -1.0%

1 year 4 years -1.5% -1.5%

1 year 5 years -2.0% -2.0%

1 year 6 years -2.5% -2.5%

1 year 7 years -3.0% -3.0%

1 year 8 years -4.0% -4.0%

1 year 9+ years -5.0% -5.0%





(continued)

Risk Customer Loss free

tenure tenure No Yes

2 years 2 years 0.0% 0.0%

2 years 3 years -1.0% -1.0%

2 years 4 years -1.5% -1.5%

2 years 5 years -2.0% -2.0%

2 years 6 years -2.5% -2.5%

2 years 7 years -3.0% -3.0%

2 years 8 years -4.0% -4.0%

2 years 9+ years -5.0% -5.0%

3 years 3+ years 0.0% -5.0%

4 years 4+ years 0.0% -5.8%

5 years 5+ years 0.0% -6.6%

6 years 6+ years 0.0% -7.5%

7 years 7+ years 0.0% -8.3%

8 years 8+ years 0.0% -9.1%

9+ years 9+ years 0.0% -10.0%

Surcharges

Deluxe house or vacation home

house

City home house

Condominium,


Cancellation surcharge 10% 10% 10%

Rented to others surcharge 25% N/A 25%

Rental unit N/A 5% N/A

Vacation home house nonoccupancy surcharge*

10% N/A N/A

Undervalue surcharge* 20% 20% N/A

Renovation or construction surcharge* 35% N/A N/A

Renovation surcharge* N/A 35% N/A

Vacant house surcharge (Deluxe house only)*

25% 25% N/A

*Applied by Company.




Claims rating factor

Amount of house coverage $1,000,000 or less

Risk tenure

Number of losses

0 1 2 3 4 5+

1 year 0.0% 20.0% 44.0% 72.5% 107.5% 150.0%

2 years 0.0% 16.0% 39.2% 66.8% 100.5% 141.3%

3 years -2.5% 12.0% 34.3% 61.2% 93.5% 132.7%

4 years -3.3% 8.0% 29.5% 55.5% 86.5% 124.0%

5 years -4.2% 5.3% 24.7% 49.7% 79.5% 115.5%

6 years -5.0% 2.7% 19.8% 43.8% 72.5% 107.0%

7 years -5.8% 0.0% 15.0% 38.0% 65.5% 98.5%

8 years -6.7% -2.5% 12.3% 32.0% 58.3% 89.8%

9+ years -7.5% -5.0% 9.5% 26.0% 51.0% 81.0%

Amount of house coverage equal to $2,000,000

Risk tenure

Number of losses

0 1 2 3 4 5+

1 year 0.0% 15.0% 35.5% 60.0% 89.0% 123.0%

2 years 0.0% 10.8% 30.7% 54.2% 82.2% 115.0%

3 years -2.5% 6.7% 25.8% 48.3% 75.3% 107.0%

4 years -3.3% 2.5% 21.0% 42.5% 68.5% 99.0%

5 years -4.2% 0.8% 17.0% 37.8% 62.8% 92.3%

6 years -5.0% -0.8% 13.0% 33.2% 57.2% 85.7%

7 years -5.8% -2.5% 9.0% 28.5% 51.5% 79.0%

8 years -6.7% -3.8% 5.8% 24.8% 47.0% 73.8%

9+ years -7.5% -5.0% 2.5% 21.0% 42.5% 68.5%

We interpolate for house coverage amounts between $1,000,001 and $1,999,999.

Amount of house coverage $5,000,000 or greater

Risk tenure

Number of losses

0 1 2 3 4 5+

1 year 0.0% 10.0% 26.5% 45.5% 67.5% 92.5%

2 years 0.0% 6.7% 22.7% 41.2% 62.5% 86.8%

3 years -5.0% 3.3% 18.8% 36.8% 57.5% 81.2%

4 years -5.8% 0.0% 15.0% 32.5% 52.5% 75.5%

5 years -6.6% -1.7% 11.7% 28.7% 48.0% 70.3%

6 years -7.5% -3.3% 8.3% 24.8% 43.5% 65.2%

7 years -8.3% -5.0% 5.0% 21.0% 39.0% 60.0%

8 years -9.1% -6.2% 2.5% 18.0% 35.5% 56.0%

9+ years -10.0% -7.5% 0.0% 15.0% 32.0% 52.0%





Claims rating factor (continued)

Amount of contents and additions and alterations coverage $250,000 or less

Risk tenure

Number of losses

0 1 2 3 4 5+

1 year 0.0% 20.0% 44.0% 72.5% 107.5% 150.0%

2 years 0.0% 16.0% 39.2% 66.8% 100.5% 141.3%

3 years -2.5% 12.0% 34.3% 61.2% 93.5% 132.7%

4 years -3.3% 8.0% 29.5% 55.5% 86.5% 124.0%

5 years -4.2% 5.3% 24.7% 49.7% 79.5% 115.5%

6 years -5.0% 2.7% 19.8% 43.8% 72.5% 107.0%

7 years -5.8% 0.0% 15.0% 38.0% 65.5% 98.5%

8 years -6.7% -2.5% 12.3% 32.0% 58.3% 89.8%

9+ years -7.5% -5.0% 9.5% 26.0% 51.0% 81.0%

Amount of contents and additions and alterations coverage equal to $500,000

Risk tenure

Number of losses

0 1 2 3 4 5+

1 year 0.0% 15.0% 35.5% 60.0% 89.0% 123.0%

2 years 0.0% 10.8% 30.7% 54.2% 82.2% 115.0%

3 years -2.5% 6.7% 25.8% 48.3% 75.3% 107.0%

4 years -3.3% 2.5% 21.0% 42.5% 68.5% 99.0%

5 years -4.2% 0.8% 17.0% 37.8% 62.8% 92.3%

6 years -5.0% -0.8% 13.0% 33.2% 57.2% 85.7%

7 years -5.8% -2.5% 9.0% 28.5% 51.5% 79.0%

8 years -6.7% -3.8% 5.8% 24.8% 47.0% 73.8%

9+ years -7.5% -5.0% 2.5% 21.0% 42.5% 68.5%

We interpolate for contents and additions and alterations coverage amounts between $250,001 and $499,999.

Amount of contents and additions and alterations coverage $1,000,000 or greater

Risk tenure

Number of losses

0 1 2 3 4 5+

1 year 0.0% 10.0% 26.5% 45.5% 67.5% 92.5%

2 years 0.0% 6.7% 22.7% 41.2% 62.5% 86.8%

3 years -5.0% 3.3% 18.8% 36.8% 57.5% 81.2%

4 years -5.8% 0.0% 15.0% 32.5% 52.5% 75.5%

5 years -6.6% -1.7% 11.7% 28.7% 48.0% 70.3%

6 years -7.5% -3.3% 8.3% 24.8% 43.5% 65.2%

7 years -8.3% -5.0% 5.0% 21.0% 39.0% 60.0%

8 years -9.1% -6.2% 2.5% 18.0% 35.5% 56.0%

9+ years -10.0% -7.5% 0.0% 15.0% 32.0% 52.0% We interpolate for contents and additions and alterations coverage amounts between $500,001 and $999,999.



Tier factor chart

Tier

House factor

Condominium, cooperative, or renters factor

1 0.62890 0.72900

2 0.66680 0.76370

3 0.70710 0.79990

4 0.75050 0.83800

5 0.79760 0.87850

6 0.84530 0.92060

7 0.89680 0.96430

8 0.95060 1.01020

9 1.00770 1.05820

10 1.06960 1.10870

11 1.13410 1.16160

12 1.20320 1.21700

13 1.28630 1.27980

14 1.36580 1.34170

15 1.44970 1.40570

16 1.53710 1.47330

17 1.66510 1.57620

18 1.76530 1.64440

19 2.17950 1.96620

20 1.00000 1.00000



Dollar adjustments charts

Liability Liability is rated in the state where the Primary residence (first location with liability) is located.

Primary location Each additional location Any liability Personal liability Excess only*

Is coverage provided for Building

and/or contents? Is coverage provided for Building and/or contents?

Amount of coverage

Yes

No

Yes

No

$ 50,000 $ 0 $ 15 $ 0 $ 15 N/A

$ 100,000 $ 43 $ 58 $ 10 $ 25 N/A

$ 200,000 $ 72 $ 87 $ 15 $ 30 N/A

$ 300,000 $ 97 $ 112 $ 19 $ 34 N/A

$ 500,000 $ 128 $ 143 $ 24 $ 39 N/A

$ 1,000,000 $ 141 $ 156 $ 28 $ 43 $ 22

$ 2,000,000 $ 167 $ 182 $ 32 $ 47 $ 26

$ 3,000,000 $ 184 $ 199 $ 33 $ 48 $ 28

$ 5,000,000 $ 206 $ 221 $ 40 $ 55 $ 32

$10,000,000 $ 266 $ 281 $ 42 $ 57 $ 43

*These premiums only apply when the insured requests building and/or contents coverage for one or more locations. No personal liability coverage. Subtract $15 for each location that building and/or contents coverage is provided if no

personal liability coverage is provided.

House replacement cost Subtract $5 if verified or conditional replacement cost payment basis applies in lieu of extended replacement cost payment basis. House replacement cost can only be applied by the Company.

Employment practices liability Add the amount from the following chart based on the amount of coverage selected. The coverage is always rated at one residence and the residence must be listed for Personal liability coverage.

Charge for Employment practices liability coverage with a $10,000 deductible

Employment practices liability Reputational injury

Code

Amount of coverage

Maximum annual amount of coverage

Amount of coverage


Additional premium

A $250,000 $500,000 $25,000 $25,000 $ 650

B $500,000 $500,000 $50,000 $50,000 $ 975



Dollar adjustments charts

(continued)

Homeowner/unit assessments

For each additional $1,000 homeowner/unit assessments coverage over $50,000, add:

For each additional $1,000 coverage for an assessment due to a deductible in the homeowner, condominium, or cooperative association’s insurance over $5,000, add:

Deluxe house $2 $2

Vacation home house $2 $2

City home house $2 $2

Deluxe condominium or cooperative $2 $2

Standard condominium or cooperative $2 $2

Refer to Company for: a total amount of homeowner or unit assessments coverage greater than $500,000 or greater than the amount of

coverage for house, or the combined amount of coverage for additions and alterations and contents; or for an amount exceeding $50,000 for coverage for an assessment due to a deductible in the homeowners ,

condominium, or cooperative association’s insurance.

Landscaping

For each additional $1,000 landscaping coverage over 5% of the amount of house coverage and 10% of the amount of contents coverage, add:

For each additional $5,000 over $10,000 for any one tree, shrub, or plant, add:

Deluxe house $4 $50

Vacation home house $4 $50

Deluxe and standard condominium, cooperative, or renters

$4 $50

Refer to company to increase coverage for landscaping:

over $250,000 for the total amount of landscaping coverage; or

over $50,000 for the amount of coverage for any tree, shrub or plant.



Dollar Adjustments charts (continued)

Landscaping – wind and hail coverage

For each $1,000 landscaping coverage with the

perils of wind and hail included, add:

Deluxe house $15

Vacation home house $15


$15

This increased coverage will be added by the Company.

Landscaping – sleet and weight of ice and snow coverage

For each $1,000 landscaping coverage with the

perils of sleet and weight of ice and snow included, add:

Deluxe house $15

Vacation home house $15


$15


City garden coverage For each additional $1,000

city garden coverage over 5% of the amount of city home house coverage, add:

For each additional $5,000 over $10,000 for any tree, shrub, or plant, add:

City home house $4 $50

Refer to company to increase coverage for landscaping:

over $250,000 for the total amount of landscaping coverage; or

over $50,000 for the amount of coverage for any tree, shrub or plant.

City garden coverage – wind and hail coverage For each $1,000 city garden coverage with the

perils of wind and hail included, add:

City home house $15


City garden coverage – sleet and weight of ice and snow coverage

For each $1,000 city garden coverage with the


City home house $15




Dollar Adjustments charts (continued)

Business property For each additional $1,000 on premises business

property coverage over $25,000, add:

Deluxe contents $5

Standard contents $5

Fire contents $5

City home contents $5

Deluxe condominium, cooperative, or renters $5

Standard condominium, cooperative, or renters $5

For a total amount of business property coverage greater than $250,000, refer to Company. The increased coverage will be applied by the Company.

Student additional living expenses For $5,000 student

additional living expenses coverage, add:

For each $1,000 student additional living expenses coverage, greater than $5,000, add:

Deluxe contents $25 $1.50

Standard contents $25 $1.50 Fire contents $25 $1.50 City home contents $25 $1.50 Deluxe condominium, cooperative, or renters $25 $1.50 Standard condominium, cooperative, or renters $25 $1.50 For a total amount of student additional living expenses coverage greater than $250,000, refer to Company. The increased coverage will be applied by the Company.

Assisted living care coverage – contents of a relative-in-care

For the first $5,000 assisted living care coverage – contents of a relative-in-care, add:

For each $1,000 assisted living care coverage – contents of a relative-in-care, greater than $5,000, add:

Deluxe contents $50 $5

Standard contents $50 $5 City home contents $50 $5 Deluxe condominium, cooperative, or renters $50 $5 Standard condominium, cooperative, or renters $50 $5 For a total amount of assisted living care coverage greater than $250,000, refer to Company. The increased coverage will be applied by the Company.

Family protection coverage The premium for Family protection coverage is $110.

Earthquake coverage For a house add $0.60 for every $1,000 of house coverage. For a house with GreenWise upgrade coverage, multiply the earthquake rate by 1.05.

04/11/17 Pennsylvania Masterpiece® Manual Home and Contents: Rules Page 5d.1 NDA


For company use only

High base deductibles

All homes and contents coverage must have the same deductible. The following high base deductibles are available at the option of the insured.

$250,000 $500,000 $750,000

04/11/17 Pennsylvania Masterpiece® Manual Home and Contents: Rates Page 7a.1 NDA

Home and Contents: Rates

For company use only

High base deductibles

For deductibles larger than $100,000 the factors below will be applied. If a policy has a deductible higher than $50,000, the deductible waiver will not apply.

Deluxe House, Vacation Home House

Value of building $250,000 $500,000 $750,000

$ 15,000 0.225 0.175 0.150

$ 50,000 0.225 0.175 0.150

$ 500,000 0.225 0.175 0.150

$1,000,000 0.250 0.200 0.175

$2,500,000 0.300 0.250 0.215

$5,000,000 0.350 0.300 0.260

$7,500,000 and greater 0.450 0.400 0.350



Value of Contents and A&A combined $250,000 $500,000 $750,000

$ 15,000 0.225 0.175 0.150

$ 50,000 0.225 0.175 0.150

$ 500,000 0.225 0.175 0.150

$1,000,000 0.250 0.200 0.175

$2,500,000 0.300 0.250 0.215

$5,000,000 0.350 0.300 0.260

$7,500,000 and greater 0.450 0.400 0.350


City home house

Base deductible Deductible factors

Maximum amount of

change

$ 250,000 0.330 $17,500

$ 500,000 0.290 $19,500

$ 750,000 0.275 $21,500

Supporting Document Schedules Bypassed - Item: Authorization to File (PC)Bypass Reason: Not applicable; we are filing on our own behalf.Attachment(s):Item Status:Status Date:

Satisfied - Item: Actuarial Explanatory Memorandum & Supporting Exhibits (PC)Comments: Attached.

Attachment(s):PA Filing Packet 20161128_afm.pdfPA Filing Exhibits 20161123.pdfPA Filing Exhibits 20161123.xls

Item Status:Status Date:

Satisfied - Item: Description of ChangeComments: Attached.Attachment(s): Desc of Change_RR.pdfItem Status:Status Date:

Satisfied - Item: Marked CopyComments: Attached.Attachment(s): PA Home mock up.pdfItem Status:Status Date:







Attachment PA Filing Exhibits 20161123.xls is not a PDF document and cannot be reproduced here.







Pennsylvania

MASTERPIECE Rate and Rule Manual

Home and Contents Section

Index

Exhibit 1 Filing Memorandum Exhibit 2 Explanatory Notes to Indication Exhibit 3 Homeowners Rate Level Indication Exhibit 4 Loss Development Exhibits Exhibit 5 Trend Exhibits Exhibit 6 Catastrophe Loads Exhibit 7 Countrywide Unallocated Loss Adjustment Expense Exhibit Exhibit 8 Countrywide Underwriting Expense Exhibit Exhibit 9 Pennsylvania Expense Provisions Exhibit 10 Pennsylvania ROE Exhibit Exhibit 11 Pennsylvania Annual Statement Exhibit 12 Excess Shock Exhibits

Exhibit 13 Rate Level Effects by Territory Exhibit 14 Rate Level Effect Histograms

Exhibit 15 Support of High Deductible Factors

Exhibit 1.1

Pennsylvania

MASTERPIECE RATE AND RULE MANUAL HOME AND CONTENTS SECTION

This memorandum presents a revision of the Home and Contents sections of the MASTERPIECE Rate and Rule manual in the state of Pennsylvania for Federal Insurance Company, Vigilant Insurance Company, Pacific Indemnity Company, Great Northern Insurance Company, Chubb National Insurance Company, and Chubb Indemnity Insurance Company. This explanatory memorandum is provided for informational purposes only and does not modify any of our rules, rates, rating plans or manuals. The actual rating methodologies used by the member companies of CHUBB are outlined in the applicable rules. The overall Homeowners rate level effect resulting from the changes described in this memorandum is +4.6%, which is supported by our overall indication of +7.7%. The rate effect and indication is broken out by form below: Inforce Written Form Prem as of Apr ‘16 Indication Rate Effect House & Vacation Home $ 81,959,496 7.8% +5.0% R/C/C $ 6,622,560 4.3% -0.1% City Home $ 1,999,615 4.9% 0.0% Total $ 90,581,670 7.7% +4.6% Revise Base Rates The House and Vacation Home base rates will be increased from $1,174 to $1,231. Revise Coverage Adjustments

Revised contents buy-up for House and Vacation home. Introduced new breakout for House contents buy-down from 5-40% of Coverage A. Revised contents buy-down for Vacation home. Increase Actual Cash Value Adjustment for Deluxe House, Vacation home with Deluxe or

Standard contents, and City Home from 9% to 10%. Decrease rates for Mold remediation by 20% for Renters/Condos/Co-Ops.

Please see the proposed rate and rule manual for the new rates. Revise Value Factors

Fire protection B value factor increments revised to be 25% higher than fire protection A for sizes of risk greater than or equal to $100,000. Please see the proposed rate and rule manual for the new Value Factor table.

Introduce High Deductible Options

Introduced high deductible options: $100,000, $250,000, $500,000 and $750,000. The $100,000 deductible option is in the rate and rule manual.

Exhibit 1.2

The $250,000, $500,000 and $750,000 deductible options will be on NDA pages. Please see the proposed rate and rule manual and NDA pages for the full deductible tables, and Exhibit 15 for the support of the proposed factors. Revise Discounts and Surcharges

Increase discounts for existing Water Leak Detection Credits, and introduce a 3rd level discount as part of the Water Leak Detection Credit for systems that do not close the master plumbing valve but do activate a central station or direct alarm.

Expand New House Discount to 10 years, with the maximum value of the discount increased to 24%.

Increase Renovation or Construction surcharge for Deluxe Home and Vacation Home. Increase Renovation surcharge for City Home.

Please see the proposed rate and rule manual for the new rates. Rate Level Effects

The combined rate level effects for the above revisions for Pennsylvania are based on in-force written premium as of April 30, 2016:

Premium Written Level Form Contents Premium Effect Deluxe House / Vacation Deluxe 68,441,439 5.0% Standard 10,187,273 5.0% No/Fire 3,330,783 5.4% Total 81,959,496 5.0% Renter/Condo/Coop Deluxe 6,136,315 -0.1% Standard 486,245 0.0% Total 6,622,560 -0.1% City Home

Total 1,999,615 0.0%

Total 90,581,670 4.6%

Exhibit 2.1

CHUBB Pennsylvania

Explanatory Notes to Indication

Exhibit 3 is provided in support of changes to the "Home and Contents" section of the MASTERPIECE Rate and Rule manual. Below is an explanation of the information provided in that exhibit.

Column 4: On Level Earned Premium = Earned Premium at current rate level = Column 2 adjusted to reflect the following overall rate changes during and since the experience period:

Date

House/ Vacation Effect

RCC Effect

City Home Effect

All Forms Effect

12/07/15 2.9% -2.2% -0.1% 2.5% 12/10/13 10.2% 0.1% 0.0% 9.2% 12/10/12 12/12/11

5.6% 4.1%

0.0% -0.3%

0.0% 0.2%

5.1% 3.6%

Column 5: Reported incurred losses and ALAE = losses and allocated loss adjustment

expenses incurred during each of the five accident years evaluated as of March 31, 2016.

Column 6: Ex-cat Capped Losses and ALAE = Shock Adjusted Losses Excluding Catastrophes.

For house forms, the shock loss adjustment procedure takes individual ground-up fire losses (ground-up to avoid distortions due to the presence of varying deductibles) and caps them at a pre-determined percentage (10%) of the total coverage amount. See Exhibit 12.1. House non-fire losses are capped at 35% of the total coverage amount, and R/C/C losses are capped at 85% of the contents amount.

Column 7: Expected Excess Shock Loss = After capping the House fire losses, an expected

loss amount, based on countrywide fire frequency and severity values, was built back in for each policy for each year. The selected frequency and severity values are displayed in Exhibit 12.2. These values were then used to determine an expected annual loss amount for each risk. A state offset is then applied to account for a state’s long-term deviation from countrywide results. The offset for Pennsylvania is 2.9%, as shown in Exhibit 12.3. This expected loss amount, representing a particular risk’s fire protection, size of risk, and deductible, was added to the capped losses for each year for indication purposes. The excess from capping House non-fire and R/C/C all cause large losses is spread to all years and territories.

Column 8: Loss Development

Exhibit 2.2

Loss and ALAE were developed to an ultimate settlement level using factors shown

in Exhibit 4. Column 9: Loss Ratio Trend Factors

These factors, shown in Exhibits 5.17-5.18, are applied to the Column 6 capped loss & Column 7 excess shock loss, for each of the experience years.

Column 10: Ultimate Ex-cat Adjusted Loss & ALAE = Ex-cat Capped Loss & ALAE plus Expected

Excess Shock Loss developed to ultimate and trended. Column 11: Ultimate Ex-cat Adjusted incurred loss and ALAE Ratio = Col 10 / Col 4.

Column 12: Catastrophe Adjustment

A non-modeled catastrophe loss and ALAE ratio was developed by looking at the catastrophe losses since 1991. See Exhibit 6.1-6.9.

Column 13: Ultimate Adjusted Loss & ALAE Ratio = Column 11 + Column 12

Row 15: 5 Year Average Loss Ratio = the weighted average of Column 13 using the following weights from Column 14.

Year Weight 2011 10.0% 2012 15.0% 2013 20.0% 2014 25.0% 2015 30.0%

Row 16: Modeled Cat Loss & ALAE Ratio is shown in Exhibit 6.10. Row 17: Unallocated Loss Adjustment Expenses

Unallocated loss adjustment expenses were estimated to be 6.1% of the developed incurred losses including allocated loss adjustment expenses. This estimate was based on 2013-2015 CHUBB’s data as displayed in Exhibit 7.

Row 18: Fixed Expenses

House RCC (1) Other Acquisitions 7.5% 7.5%

Exhibit 2.3

(2) General Expense 2.1% 2.1% (3) Total Fixed Expenses: (1)+(2) 9.6% 9.6%

Notes: (1) & (2) Based on 2013-2015 countrywide data from the Insurance

Expense Exhibit (see Exhibit 8) Row 19: Projected Loss, LAE & Fixed Expense Ratio = [(15) + (16)] * (17) + (18)

Row 20: Permissible Loss, LAE & Fixed Expense Ratio

The permissible loss, LAE & fixed expense ratio is based on the following breakdown

of expenses: House RCC (1) Regular Commissions 16.0% 16.0% (2) Guaranteed Supplemental Compensation 1.2% 1.2% (3) Taxes, Licenses & Fees 2.3% 2.3% (4) Underwriting Profit 11.1% 11.1% (5) Total Variable Expenses and Profit Provision 30.6% 30.6% (6) Permissible Loss, LAE & Fixed Expense Ratio 69.4% 69.4%

Notes: (1) & (3) Based on 2013-2015 Pennsylvania data from Page 15 of the

Annual Statement (see Exhibit 9) (2) In 2007, Contingent Commission was replaced with

Guaranteed Supplemental Compensation. The compensation percentage is based on the agents’ prior performance with consideration given to growth and loss. The percentage is applied in the upcoming year, and like regular commissions, it is guaranteed.

(4) Underwriting profit (See Exhibit 10) (5) (1) + (2) + (3) + (4) (6) [100% - (5)]

Row 21: Raw Indicated Rate Level Change = (19) / (20) – 1 Row 22: See Exhibits 2.4-2.6. Row 23: See Exhibits 2.4-2.6. Row 24: Credibility Weighted Loss, LAE & Fixed Expense Ratio = (15)*(17)*(22) + (23)*[1 - (22)] + (16)*(17) + (18) Row 25: Credibility Weighted Indicated Rate Level Change = (24) / (20) -1

Exhibit 2.4CHUBBPennsylvania HomeownersForm Indication = HouseCompanies = AllTerritory = AllEvaluated as of 03/2016

Credibility Calculation

(1) Earned House Years 114,960(2) Credibility Standard 40,000(3) Credibility = square root ((1) / (2)) 100.0%

Exhibit 2.5CHUBBPennsylvania HomeownersForm Indication = RCCCompanies = AllTerritory = AllEvaluated as of 03/2016



Exhibit 2.6CHUBBPennsylvania HomeownersForm Indication = City HomeCompanies = AllTerritory = AllEvaluated as of 03/2016



Complement of Credibility Calculation

The complement of credibility for the statewideindication is the trended expected loss and LAE ratioless the Modeled Cat Loss & LAE ratio

(1) Expected Loss & LAE ratio: 59.8%(2) Annual Net Projection Trend: 0.1%(3) Projection Window (years) 2.80(4) Trended Expected Loss & LAE ratio = (1) * [1+(2)]^(3): 60.0%(5) Modeled Catastrophe Loss & ALAE Ratio: 3.7%(6) ULAE 1.061(7) Complement of Credibility = (4) - [(5) * (6)]: 56.0%

Exhibit 3.1

CHUBBPennsylvania HomeownersForm Indication = HouseCompanies = AllTerritory = AllEvaluated as of 03/2016

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

=[(6)+(7)] =(10)/(4) =(11)+(12)* (8) * (9)

Calendar / Onlevel Ex-cat Expected Loss Loss Ratio Ultimate Ex-cat Ult. Ex-cat Adj. Cat Loss/ Ult. Adj. AccidentAccident Written Earned Onlevel Earned Reported Capped Excess Development Trend Adjusted Loss/ALAE ALAE Loss/ALAE Year

Year Premium Premium Factors Premium Loss/ALAE Loss/ALAE Shock Loss Factors Factors Loss/ALAE Ratio Ratio Ratio Weights2011 70,008,391 70,284,778 1.247 87,640,640 56,252,661 32,549,016 11,250,991 0.996 1.023 44,658,514 51.0% 13.0% 63.9% 10%2012 71,773,949 70,937,427 1.220 86,533,410 45,415,740 22,171,703 11,487,212 0.993 1.008 33,716,928 39.0% 13.0% 51.9% 15%2013 75,865,104 73,705,369 1.163 85,683,903 28,621,269 19,509,224 12,018,234 0.996 1.002 31,455,634 36.7% 13.3% 50.0% 20%2014 80,487,770 78,072,453 1.074 83,850,231 70,429,277 32,806,514 12,522,685 1.003 1.000 45,462,599 54.2% 13.8% 68.0% 25%2015 79,916,940 80,125,134 1.030 82,514,941 39,612,301 24,795,541 12,870,372 1.042 1.004 39,396,860 47.7% 14.2% 61.9% 30%

(15) Projected Loss & ALAE Ratio 59.8%

(16) Modeled Catastrophe Loss & ALAE Ratio 1.7%

(17) ULAE Load 1.061

(18) Fixed Expense Ratio 9.6%

(19) Projected Loss, LAE & Fixed Expense Ratio 74.8%

(20) Permissible Loss, LAE & Fixed Expense Ratio 69.4%

(21) Raw Indicated Rate Level Change 7.8%

(22) Credibility 100.0%

(23) Complement of Credibility Loss and LAE ratio N/A

(24) Credibility Weighted Loss & LAE + Modeled Cat Loss & LAE ratio + Fixed Exp =(15)*(17)*(22)+(23)*(1-(22))+(16)*(17)+(18) 74.8%

(25) Credibility Weighted Indicated Rate Level Change 7.8%

Exhibit 3.2

CHUBBPennsylvania HomeownersForm Indication = RCCCompanies = AllTerritory = AllEvaluated as of 03/2016

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

=[(6)+(7)] =(10)/(4) =(11)+(12)* (8) * (9)


Year Premium Premium Factors Premium Loss/ALAE Loss/ALAE Shock Loss Factors Factors Loss/ALAE Ratio Ratio Ratio Weights2011 6,775,184 6,707,348 0.977 6,550,070 3,424,713 2,695,907 275,879 0.994 1.329 3,925,255 59.9% 2.2% 62.1% 10%2012 6,663,166 6,724,855 0.978 6,579,160 2,924,981 2,496,355 279,484 0.991 1.272 3,498,659 53.2% 2.2% 55.4% 15%2013 6,788,859 6,721,154 0.980 6,584,028 1,906,925 1,882,274 291,127 0.986 1.223 2,619,243 39.8% 2.3% 42.1% 20%2014 6,646,971 6,736,619 0.979 6,595,735 5,340,824 3,674,944 302,685 0.980 1.186 4,624,624 70.1% 2.4% 72.5% 25%2015 6,768,602 6,678,077 0.979 6,537,912 3,236,322 2,670,925 311,990 1.039 1.157 3,583,494 54.8% 2.6% 57.4% 30%












Exhibit 3.3

CHUBBPennsylvania HomeownersForm Indication = City HomeCompanies = AllTerritory = AllEvaluated as of 03/2016

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

=[(6)+(7)] =(10)/(4) =(11)+(12)* (8) * (9)


Year Premium Premium Factors Premium Loss/ALAE Loss/ALAE Shock Loss Factors Factors Loss/ALAE Ratio Ratio Ratio Weights2011 1,728,986 1,699,130 1.002 1,703,050 512,395 358,948 0 0.995 1.023 365,553 21.5% 2.9% 24.4% 10%2012 1,760,718 1,748,741 1.001 1,750,014 350,525 312,305 0 0.990 1.008 311,881 17.8% 2.9% 20.7% 15%2013 1,803,218 1,763,816 1.002 1,767,291 593,780 593,780 0 0.994 1.002 591,572 33.5% 2.9% 36.4% 20%2014 1,833,411 1,795,463 1.002 1,799,002 3,072,475 2,925,801 0 1.014 1.000 2,968,096 165.0% 3.0% 168.0% 25%2015 1,913,913 1,865,250 1.002 1,868,991 352,045 341,626 0 1.095 1.004 375,634 20.1% 3.0% 23.1% 30%









(23) Complement of Credibility Loss and LAE ratio 56.0%



Exhibit 3.4

CHUBBPennsylvania HomeownersForm Indication = AllCompanies = AllTerritory = AllEvaluated as of 03/2016

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

=[(6)+(7)] =(10)/(4) =(11)+(12)* (8) * (9)


Year Premium Premium Factors Premium Loss/ALAE Loss/ALAE Shock Loss Factors Factors Loss/ALAE Ratio Ratio Ratio Weights2011 78,512,562 78,691,256 1.219 95,893,761 60,189,769 35,603,871 11,526,869 0.996 1.041 48,853,074 50.9% 12.2% 63.1% 10%2012 80,197,833 79,411,023 1.195 94,862,584 48,691,247 24,980,363 11,766,696 0.993 1.024 37,357,409 39.4% 12.1% 51.5% 15%2013 84,457,181 82,190,339 1.144 94,035,223 31,121,974 21,985,279 12,309,361 0.995 1.015 34,634,636 36.8% 12.4% 49.3% 20%2014 88,968,152 86,604,535 1.065 92,244,968 78,842,576 39,407,259 12,825,370 1.002 1.012 52,922,382 57.4% 12.9% 70.2% 25%2015 88,599,454 88,668,460 1.025 90,921,844 43,200,668 27,808,092 13,182,363 1.042 1.014 43,302,026 47.6% 13.2% 60.8% 30%












Mid-Atlantic ZoneHome and Vacation

All CausesNon-cat Reported Losses and ALAE March 31st 2016

Loss Development - Mold Capped

LossYear 15 27 39 51 63 75 87 99 111 123 Ultimate2006 - - - - 188,274,578 188,077,505 187,733,693 187,842,926 187,673,559 187,763,507 187,763,507 2007 - - - 211,894,103 211,205,857 211,498,655 211,281,103 211,243,105 211,434,812 - 211,434,812 2008 - - 241,050,341 239,197,514 237,696,178 233,486,041 234,068,267 233,309,696 - - 233,309,696 2009 - 237,214,506 243,864,046 244,173,609 243,726,204 241,162,397 240,963,373 - - - 240,963,373 2010 202,661,682 210,810,574 213,070,623 212,888,344 212,606,909 212,697,746 - - - - 212,697,746 2011 239,161,357 245,458,041 244,116,486 245,636,351 244,797,615 - - - - - 243,888,707 2012 206,143,365 213,241,408 209,899,859 212,786,014 - - - - - - 211,395,665 2013 204,115,734 213,037,215 216,482,454 - - - - - - - 215,543,962 2014 297,607,132 310,218,492 - - - - - - - - 311,079,741 2015 277,031,762 - - - - - - - - - 288,636,754

2006 0.999 0.998 1.001 0.999 1.0002007 0.997 1.001 0.999 1.000 1.0012008 0.992 0.994 0.982 1.002 0.9972009 1.028 1.001 0.998 0.989 0.9992010 1.040 1.011 0.999 0.999 1.0002011 1.026 0.995 1.006 0.9972012 1.034 0.984 1.0142013 1.044 1.0162014 1.042

5 Point 1.037 1.007 1.003 0.997 0.995 1.000 0.999 1.000 1.0005 Point Ex Hi/Lo 1.039 1.007 1.002 0.997 0.996 1.000 1.000 1.000 1.000

3 Point 1.040 0.998 1.006 0.998 0.991 1.000 0.999 1.000 1.000Average 1.039 1.004 1.004 0.997 0.994 1.000 0.999 1.000 1.000

5 Yr. Wtd. Avg. 1.037 1.007 1.002 0.997 0.994 1.000 0.999 1.000 1.0003 Yr. Wtd. Avg. 1.040 0.998 1.006 0.998 0.990 1.000 0.999 1.000 1.000

Selected 1.039 1.007 1.002 0.997 0.996 1.000 1.000 1.000 1.000Cumulative 1.042 1.003 0.996 0.993 0.996 1.000 1.000 1.000 1.000

Exhibit 4.1

Mid-Atlantic ZoneRenter/Condo/Co-op




2006 0.998 0.997 0.998 1.001 1.0002007 0.994 0.989 0.999 0.993 0.9972008 1.000 0.997 0.986 0.996 1.0002009 1.018 0.994 0.995 1.002 0.9942010 1.072 0.948 1.010 1.000 0.9952011 1.105 0.990 0.990 1.0012012 1.046 0.980 0.9902013 1.000 1.0142014 1.061


3 Point 1.035 0.995 0.996 0.999 0.994 0.997 0.997 0.999 1.000Average 1.050 0.993 0.996 0.998 0.994 0.998 0.998 0.999 1.000



Exhibit 4.2

Mid-Atlantic ZoneCity Homes




2006 1.012 0.998 0.996 0.986 1.0002007 1.002 1.000 1.008 1.012 0.9782008 1.035 0.975 0.980 0.992 1.0002009 1.025 0.991 0.997 1.005 1.0082010 1.040 1.011 0.956 1.015 0.9802011 1.123 1.025 0.985 0.9872012 1.023 1.121 1.0822013 1.256 0.9662014 1.076


3 Point 1.118 1.037 1.008 0.999 0.988 1.003 1.003 0.982 1.000Average 1.101 1.029 1.007 0.997 0.993 1.001 1.002 0.988 1.000



Exhibit 4.3

CHUBBUS Homeowners

Calculation of Size of Risk Trend

State = PA

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

Form = HouseAverage Average Trend from Combined

Earned Earned Earned SOR Average Earned Trend to Written Written Written SOR 7/1/2015 TrendCal Year House-Years Ins-Years (000) @ 7/1/XX SOR Factor 7/1/2015 House-Years Ins-Years (000) @ 7/1/XX to 4/17/2018 Factors

2011 23,736 26,422,680 1,113,194 8.2328 1.187 23,445 26,354,838 1,124,106 1.164 1.3812012 23,362 26,965,178 1,154,220 8.4826 1.152 23,320 27,252,478 1,168,608 1.164 1.3412013 23,215 28,119,951 1,211,308 8.8301 1.106 23,041 28,566,133 1,239,776 1.164 1.2882014 22,701 29,161,460 1,284,608 9.2763 1.053 22,353 29,366,626 1,313,777 1.164 1.2262015 21,968 29,997,886 1,365,535 9.7689 1.000 21,781 30,548,338 1,402,515 1.164 1.164

Fitted Annual Change (exponential) in Written SOR Exposure: 5.8%Prospective Annual Change in SOR adj for Construction Cost Adjustment Factor (CCAF) changes: 6.8%

Selected Prospective Annual Change in SOR Exposure: 6.5%Projection Period in Years: 2.80

Proj Ave SOR (annual change applied to latest ave earned SOR): 1,628,852Proj Ave SOR Factor: 11.372

Prospective Annual Change in Premium: 5.6%

Form = RCCAverage Average Trend from Combined


2011 5,410 1,814,839 335,452 8.8647 1.117 5,423 1,209,013 222,935 1.028 1.1472012 5,416 1,838,580 339,483 8.9687 1.104 5,470 1,194,441 218,363 1.028 1.1342013 5,520 1,915,189 346,971 9.1618 1.080 5,549 1,231,902 222,020 1.028 1.1102014 5,524 1,991,147 360,481 9.5104 1.041 5,456 1,220,676 223,717 1.028 1.0702015 5,468 2,053,181 375,498 9.8978 1.000 5,541 1,281,133 231,215 1.028 1.028

Fitted Annual Change (exponential) in Written SOR Exposure: 1.0%Prospective Annual Change in SOR adj for CCAF changes: 1.1%


Proj Ave SOR (annual change applied to latest ave earned SOR): 386,106Proj Ave SOR Factor: 10.172


(4) = (3) / (2) * 1,000(5) = SOR factor associated with (4); from SOR curve table for this state(6) = Latest Year (5) / (5)(9) = (8) / (7) * 1,000Exponential fit is applied to written data, which is more recent.(10) = (Prospective Annual Change in Premium adj for the CCAF) ^ Projection Period in Years(11) = (6) * (10)*City Home uses the same trend selections as House

Exhibit 5.1

CHUBBUS Homeowners

Calculation of Premium Trend for Shifting Deductibles

State = PA

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)

Form = HouseAdjusted Average Adjusted Average Trend from Combined

Earned Earned Base Earned Ded Factor Trend to Written Written Base Written Ded Factor 7/1/2015 TrendCal Year House-Years Premium Earned Prem @ 1/1/XX 7/1/2015 House-Years Premium Written Prem @ 1/1/XX to 4/17/2018 Factors

2011 23,736 70,284,778 88,107,876 0.798 0.954 23,445 70,008,391 87,938,359 0.796 0.972 0.9282012 23,362 70,937,427 89,704,994 0.791 0.962 23,320 71,773,949 90,980,483 0.789 0.972 0.9362013 23,215 73,705,372 94,266,131 0.782 0.973 23,041 75,865,104 97,556,243 0.778 0.972 0.9462014 22,701 78,076,488 101,329,505 0.771 0.988 22,353 80,495,449 104,915,841 0.767 0.972 0.9602015 21,968 80,214,728 105,396,630 0.761 1.000 21,781 80,343,858 105,934,661 0.758 0.972 0.972

Fitted Annual Change (exponential): -1.2%Selected Annual Change: -1.0%

Projection Period in Years: 2.80Proj Ave Ded Factor @ 4/17/2018: 0.740

Form = RCCAdjusted Average Adjusted Average Trend from Combined


2011 5,410 6,707,348 7,894,791 0.850 0.959 5,423 6,775,184 8,002,703 0.847 0.972 0.9322012 5,416 6,724,855 7,943,204 0.847 0.962 5,470 6,663,166 7,851,629 0.849 0.972 0.9362013 5,520 6,721,154 8,006,707 0.839 0.971 5,549 6,788,859 8,140,981 0.834 0.972 0.9442014 5,524 6,736,383 8,155,544 0.826 0.986 5,456 6,646,001 8,090,283 0.821 0.972 0.9592015 5,468 6,684,653 8,204,420 0.815 1.000 5,541 6,810,995 8,407,698 0.810 0.972 0.972



(5) = (3) / (4)(6) = Latest Year (5) / (5)(10) = (8) / (9)(11) = (Proj Ave Factor) / (Latest Year Earned Ave Factor)(12) = (6) * (11)*City Home uses the same trend selections as House

Exhibit 5.2

CHUBBUS HomeownersPremium Trend Summary

State = PA

Form = HouseEarned SOR SOR SOR Deductible Deductible Deductible Premium Premium Premium

Cal Year Premium Historical Prospective Combined Historical Prospective Combined Historical Prospective Combined2011 70,284,778 1.187 1.164 1.381 0.954 0.972 0.928 1.132 1.132 1.2822012 70,937,427 1.152 1.164 1.341 0.962 0.972 0.936 1.108 1.132 1.2552013 73,705,372 1.106 1.164 1.288 0.973 0.972 0.946 1.077 1.132 1.2182014 78,076,488 1.053 1.164 1.226 0.988 0.972 0.960 1.040 1.132 1.1772015 80,214,728 1.000 1.164 1.164 1.000 0.972 0.972 1.000 1.132 1.131

Implied Annual Trend: 4.4% 5.6% 5.0% -1.2% -1.0% -1.1% 3.2% 4.5% 3.8%

Form = RCCEarned SOR SOR SOR Deductible Deductible Deductible Premium Premium Premium



Form = House & RCCEarned SOR SOR SOR Deductible Deductible Deductible Premium Premium Premium



*City Home uses the same trend selections as House

Exhibit 5.3

CHUBB

HOMEOWNERS SEVERITY TRENDSPA

HOUSE VACATION Cause of Loss = ALL

Ex Cat, With Mold Contracts

New Arising LossCapped at 1,000,000

Rolling Year % ChangeEnded Actual Over Prior Yr

31-Mar-06 12,340 --30-Jun-06 12,325 --30-Sep-06 11,767 --31-Dec-06 11,534 --31-Mar-07 12,143 -1.6%30-Jun-07 11,842 -3.9%30-Sep-07 11,899 1.1%31-Dec-07 12,395 7.5%31-Mar-08 12,180 0.3%30-Jun-08 12,757 7.7%30-Sep-08 13,147 10.5%31-Dec-08 12,420 0.2%31-Mar-09 13,230 8.6%30-Jun-09 14,376 12.7%30-Sep-09 16,452 25.1%31-Dec-09 17,849 43.7%31-Mar-10 17,847 34.9%30-Jun-10 16,803 16.9%30-Sep-10 16,994 3.3%31-Dec-10 16,990 -4.8%31-Mar-11 17,686 -0.9%30-Jun-11 18,025 7.3%30-Sep-11 17,313 1.9%31-Dec-11 17,204 1.3%31-Mar-12 16,392 -7.3%30-Jun-12 16,998 -5.7%30-Sep-12 16,705 -3.5%31-Dec-12 17,385 1.0%31-Mar-13 18,568 13.3%30-Jun-13 18,027 6.1%30-Sep-13 19,239 15.2%31-Dec-13 18,515 6.5%31-Mar-14 19,816 6.7%30-Jun-14 20,637 14.5%30-Sep-14 20,594 7.0%31-Dec-14 22,503 21.5%31-Mar-15 21,503 8.5%30-Jun-15 22,120 7.2%30-Sep-15 25,846 25.5%31-Dec-15 25,706 14.2%31-Mar-16 26,402 22.8%

Average Annual Change Based On Exponential Curve of Best Fit% Change R Squared

8.1% 88.9%6.9% 78.0%9.1% 82.0%

13.4% 93.4%

Latest 37 Quarters Latest 29 Quarters Latest 21 Quarters Latest 15 Quarters

Exhibit 5.4

CHUBB

HOMEOWNERS FREQUENCY TRENDSPA





31-Mar-06 7.4328 --30-Jun-06 7.2969 --30-Sep-06 7.7295 --31-Dec-06 8.0716 --31-Mar-07 8.1185 9.2%30-Jun-07 8.3179 14.0%30-Sep-07 8.1263 5.1%31-Dec-07 8.1384 0.8%31-Mar-08 8.5721 5.6%30-Jun-08 8.5383 2.6%30-Sep-08 8.1617 0.4%31-Dec-08 7.6229 -6.3%31-Mar-09 7.5446 -12.0%30-Jun-09 7.6781 -10.1%30-Sep-09 8.1476 -0.2%31-Dec-09 8.5992 12.8%31-Mar-10 8.6910 15.2%30-Jun-10 9.3847 22.2%30-Sep-10 9.3438 14.7%31-Dec-10 9.3547 8.8%31-Mar-11 9.3577 7.7%30-Jun-11 9.1742 -2.2%30-Sep-11 9.6494 3.3%31-Dec-11 10.1618 8.6%31-Mar-12 9.7682 4.4%30-Jun-12 8.9153 -2.8%30-Sep-12 8.0877 -16.2%31-Dec-12 7.0755 -30.4%31-Mar-13 6.7097 -31.3%30-Jun-13 6.6605 -25.3%30-Sep-13 6.3870 -21.0%31-Dec-13 6.3021 -10.9%31-Mar-14 7.0546 5.1%30-Jun-14 7.8568 18.0%30-Sep-14 7.8425 22.8%31-Dec-14 7.9117 25.5%31-Mar-15 7.0486 -0.1%30-Jun-15 6.4175 -18.3%30-Sep-15 6.3841 -18.6%31-Dec-15 6.3411 -19.9%31-Mar-16 6.2766 -11.0%


-2.8% 30.0%-4.8% 43.8%-8.0% 60.7%-2.8% 11.4%


Exhibit 5.5

CHUBB

HOMEOWNERS SEVERITY TRENDSMid-Atlantic Zone





31-Mar-06 15,898 --30-Jun-06 16,362 --30-Sep-06 17,025 --31-Dec-06 17,094 --31-Mar-07 17,509 10.1%30-Jun-07 17,673 8.0%30-Sep-07 17,435 2.4%31-Dec-07 17,698 3.5%31-Mar-08 17,713 1.2%30-Jun-08 17,232 -2.5%30-Sep-08 17,628 1.1%31-Dec-08 17,548 -0.8%31-Mar-09 18,909 6.8%30-Jun-09 20,590 19.5%30-Sep-09 20,681 17.3%31-Dec-09 21,590 23.0%31-Mar-10 20,025 5.9%30-Jun-10 19,482 -5.4%30-Sep-10 20,822 0.7%31-Dec-10 20,955 -2.9%31-Mar-11 21,673 8.2%30-Jun-11 21,158 8.6%30-Sep-11 21,313 2.4%31-Dec-11 21,940 4.7%31-Mar-12 22,684 4.7%30-Jun-12 23,640 11.7%30-Sep-12 24,164 13.4%31-Dec-12 24,308 10.8%31-Mar-13 25,047 10.4%30-Jun-13 25,213 6.7%30-Sep-13 25,561 5.8%31-Dec-13 25,193 3.6%31-Mar-14 26,398 5.4%30-Jun-14 27,820 10.3%30-Sep-14 27,885 9.1%31-Dec-14 29,438 16.8%31-Mar-15 29,707 12.5%30-Jun-15 31,428 13.0%30-Sep-15 35,266 26.5%31-Dec-15 35,941 22.1%31-Mar-16 35,187 18.4%


8.0% 93.5%8.6% 91.2%

10.9% 94.1%12.7% 91.9%


Exhibit 5.6

CHUBB

HOMEOWNERS FREQUENCY TRENDSMid-Atlantic Zone





31-Mar-06 6.3541 --30-Jun-06 6.2405 --30-Sep-06 6.3387 --31-Dec-06 6.4759 --31-Mar-07 6.4725 1.9%30-Jun-07 6.6968 7.3%30-Sep-07 6.6623 5.1%31-Dec-07 6.9521 7.4%31-Mar-08 7.3122 13.0%30-Jun-08 7.0916 5.9%30-Sep-08 6.8622 3.0%31-Dec-08 6.2358 -10.3%31-Mar-09 6.1566 -15.8%30-Jun-09 6.1983 -12.6%30-Sep-09 6.4801 -5.6%31-Dec-09 6.6242 6.2%31-Mar-10 6.5210 5.9%30-Jun-10 6.8597 10.7%30-Sep-10 6.6734 3.0%31-Dec-10 6.6748 0.8%31-Mar-11 6.8427 4.9%30-Jun-11 6.8891 0.4%30-Sep-11 7.0163 5.1%31-Dec-11 7.3971 10.8%31-Mar-12 6.8389 -0.1%30-Jun-12 6.2073 -9.9%30-Sep-12 5.7537 -18.0%31-Dec-12 5.1366 -30.6%31-Mar-13 5.1543 -24.6%30-Jun-13 5.0964 -17.9%30-Sep-13 5.0459 -12.3%31-Dec-13 4.9221 -4.2%31-Mar-14 5.2103 1.1%30-Jun-14 5.9165 16.1%30-Sep-14 5.9602 18.1%31-Dec-14 6.0071 22.0%31-Mar-15 5.5399 6.3%30-Jun-15 5.2851 -10.7%30-Sep-15 5.1958 -12.8%31-Dec-15 5.1406 -14.4%31-Mar-16 5.0498 -8.8%


-3.4% 55.3%-4.1% 50.5%-5.7% 48.2%0.1% 0.0%


Exhibit 5.7

CHUBB

HOMEOWNERS SEVERITY TRENDSUS TOTAL Excluding TX





31-Mar-06 16,194 --30-Jun-06 16,511 --30-Sep-06 17,419 --31-Dec-06 17,607 --31-Mar-07 18,349 13.3%30-Jun-07 19,176 16.1%30-Sep-07 19,084 9.6%31-Dec-07 19,459 10.5%31-Mar-08 19,337 5.4%30-Jun-08 18,621 -2.9%30-Sep-08 19,108 0.1%31-Dec-08 19,825 1.9%31-Mar-09 21,142 9.3%30-Jun-09 22,670 21.7%30-Sep-09 23,296 21.9%31-Dec-09 23,952 20.8%31-Mar-10 23,433 10.8%30-Jun-10 23,177 2.2%30-Sep-10 23,782 2.1%31-Dec-10 24,306 1.5%31-Mar-11 25,066 7.0%30-Jun-11 25,335 9.3%30-Sep-11 25,966 9.2%31-Dec-11 26,258 8.0%31-Mar-12 26,300 4.9%30-Jun-12 26,917 6.2%30-Sep-12 27,134 4.5%31-Dec-12 26,916 2.5%31-Mar-13 27,517 4.6%30-Jun-13 28,189 4.7%30-Sep-13 28,572 5.3%31-Dec-13 29,020 7.8%31-Mar-14 31,063 12.9%30-Jun-14 32,356 14.8%30-Sep-14 33,251 16.4%31-Dec-14 34,511 18.9%31-Mar-15 34,810 12.1%30-Jun-15 36,654 13.3%30-Sep-15 38,523 15.9%31-Dec-15 40,290 16.7%31-Mar-16 39,701 14.1%


8.6% 96.4%8.6% 94.2%

10.3% 93.9%13.4% 97.5%


Exhibit 5.8

CHUBB

HOMEOWNERS FREQUENCY TRENDSUS TOTAL Excluding TX





31-Mar-06 5.9842 --30-Jun-06 5.8999 --30-Sep-06 5.9190 --31-Dec-06 5.8964 --31-Mar-07 5.9206 -1.1%30-Jun-07 6.0180 2.0%30-Sep-07 5.9131 -0.1%31-Dec-07 6.1064 3.6%31-Mar-08 6.3199 6.7%30-Jun-08 6.2571 4.0%30-Sep-08 6.2258 5.3%31-Dec-08 5.8972 -3.4%31-Mar-09 5.9537 -5.8%30-Jun-09 5.9393 -5.1%30-Sep-09 5.9923 -3.8%31-Dec-09 6.0492 2.6%31-Mar-10 5.8398 -1.9%30-Jun-10 5.9812 0.7%30-Sep-10 5.8737 -2.0%31-Dec-10 5.8332 -3.6%31-Mar-11 6.0034 2.8%30-Jun-11 6.2203 4.0%30-Sep-11 6.3044 7.3%31-Dec-11 6.4985 11.4%31-Mar-12 5.9665 -0.6%30-Jun-12 5.3604 -13.8%30-Sep-12 5.0327 -20.2%31-Dec-12 4.6223 -28.9%31-Mar-13 4.6866 -21.5%30-Jun-13 4.6672 -12.9%30-Sep-13 4.6069 -8.5%31-Dec-13 4.5596 -1.4%31-Mar-14 4.7036 0.4%30-Jun-14 5.1101 9.5%30-Sep-14 5.1632 12.1%31-Dec-14 5.2287 14.7%31-Mar-15 4.9519 5.3%30-Jun-15 4.8718 -4.7%30-Sep-15 4.8502 -6.1%31-Dec-15 4.8172 -7.9%31-Mar-16 4.7838 -3.4%


-3.3% 63.3%-4.1% 60.0%-4.8% 45.1%1.2% 9.0%


Exhibit 5.9

CHUBB

HOMEOWNERS SEVERITY TRENDSPA

C/C RENTER Cause of Loss = ALL




31-Mar-06 9,692 --30-Jun-06 8,412 --30-Sep-06 8,778 --31-Dec-06 10,211 --31-Mar-07 9,197 -5.1%30-Jun-07 8,849 5.2%30-Sep-07 8,658 -1.4%31-Dec-07 8,792 -13.9%31-Mar-08 10,788 17.3%30-Jun-08 11,104 25.5%30-Sep-08 12,537 44.8%31-Dec-08 11,826 34.5%31-Mar-09 9,621 -10.8%30-Jun-09 9,629 -13.3%30-Sep-09 13,957 11.3%31-Dec-09 13,260 12.1%31-Mar-10 14,915 55.0%30-Jun-10 15,672 62.8%30-Sep-10 10,394 -25.5%31-Dec-10 10,881 -17.9%31-Mar-11 8,623 -42.2%30-Jun-11 9,383 -40.1%30-Sep-11 10,980 5.6%31-Dec-11 10,730 -1.4%31-Mar-12 11,664 35.3%30-Jun-12 10,802 15.1%30-Sep-12 10,705 -2.5%31-Dec-12 10,407 -3.0%31-Mar-13 9,490 -18.6%30-Jun-13 8,933 -17.3%30-Sep-13 8,264 -22.8%31-Dec-13 9,199 -11.6%31-Mar-14 10,764 13.4%30-Jun-14 12,968 45.2%30-Sep-14 13,282 60.7%31-Dec-14 14,415 56.7%31-Mar-15 17,168 59.5%30-Jun-15 18,722 44.4%30-Sep-15 19,136 44.1%31-Dec-15 19,291 33.8%31-Mar-16 18,433 7.4%


5.0% 27.9%5.8% 21.5%

15.6% 63.5%28.0% 79.9%


Exhibit 5.10

CHUBB

HOMEOWNERS FREQUENCY TRENDSPA





31-Mar-06 5.3975 --30-Jun-06 5.8761 --30-Sep-06 5.6403 --31-Dec-06 5.8563 --31-Mar-07 5.8572 8.5%30-Jun-07 5.5046 -6.3%30-Sep-07 5.0402 -10.6%31-Dec-07 3.9669 -32.3%31-Mar-08 3.7285 -36.3%30-Jun-08 3.8613 -29.9%30-Sep-08 4.0184 -20.3%31-Dec-08 4.8252 21.6%31-Mar-09 5.2054 39.6%30-Jun-09 5.1933 34.5%30-Sep-09 5.6292 40.1%31-Dec-09 6.0056 24.5%31-Mar-10 5.9321 14.0%30-Jun-10 5.7114 10.0%30-Sep-10 5.0898 -9.6%31-Dec-10 4.7365 -21.1%31-Mar-11 4.4297 -25.3%30-Jun-11 4.6395 -18.8%30-Sep-11 5.1201 0.6%31-Dec-11 5.7670 21.8%31-Mar-12 5.9335 33.9%30-Jun-12 5.9338 27.9%30-Sep-12 5.7087 11.5%31-Dec-12 4.9115 -14.8%31-Mar-13 4.8739 -17.9%30-Jun-13 4.6717 -21.3%30-Sep-13 4.4452 -22.1%31-Dec-13 4.4748 -8.9%31-Mar-14 4.4079 -9.6%30-Jun-14 4.5755 -2.1%30-Sep-14 4.5328 2.0%31-Dec-14 4.5442 1.5%31-Mar-15 4.3242 -1.9%30-Jun-15 4.2485 -7.1%30-Sep-15 4.2001 -7.3%31-Dec-15 4.0601 -10.7%31-Mar-16 4.0637 -6.0%


-1.4% 7.9%-4.3% 55.2%-5.3% 48.8%-6.5% 75.3%


Exhibit 5.11

CHUBB

HOMEOWNERS SEVERITY TRENDSMid-Atlantic Zone





31-Mar-06 15,014 --30-Jun-06 14,868 --30-Sep-06 16,430 --31-Dec-06 16,794 --31-Mar-07 16,542 10.2%30-Jun-07 16,770 12.8%30-Sep-07 15,960 -2.9%31-Dec-07 16,241 -3.3%31-Mar-08 17,745 7.3%30-Jun-08 17,583 4.8%30-Sep-08 17,570 10.1%31-Dec-08 17,155 5.6%31-Mar-09 16,839 -5.1%30-Jun-09 17,288 -1.7%30-Sep-09 18,601 5.9%31-Dec-09 18,915 10.3%31-Mar-10 19,256 14.4%30-Jun-10 19,034 10.1%30-Sep-10 18,562 -0.2%31-Dec-10 18,842 -0.4%31-Mar-11 19,761 2.6%30-Jun-11 20,365 7.0%30-Sep-11 21,044 13.4%31-Dec-11 21,345 13.3%31-Mar-12 20,778 5.1%30-Jun-12 21,902 7.5%30-Sep-12 22,576 7.3%31-Dec-12 22,697 6.3%31-Mar-13 24,703 18.9%30-Jun-13 24,619 12.4%30-Sep-13 24,894 10.3%31-Dec-13 25,271 11.3%31-Mar-14 25,402 2.8%30-Jun-14 26,648 8.2%30-Sep-14 27,740 11.4%31-Dec-14 26,907 6.5%31-Mar-15 27,199 7.1%30-Jun-15 27,712 4.0%30-Sep-15 29,096 4.9%31-Dec-15 33,260 23.6%31-Mar-16 35,496 30.5%


7.9% 94.2%9.2% 95.2%

10.2% 93.0%10.9% 85.9%


Exhibit 5.12

CHUBB

HOMEOWNERS FREQUENCY TRENDSMid-Atlantic Zone





31-Mar-06 5.3572 --30-Jun-06 5.3183 --30-Sep-06 5.4386 --31-Dec-06 5.4742 --31-Mar-07 5.3815 0.5%30-Jun-07 5.3396 0.4%30-Sep-07 5.0130 -7.8%31-Dec-07 4.1134 -24.9%31-Mar-08 3.8051 -29.3%30-Jun-08 3.7962 -28.9%30-Sep-08 3.9192 -21.8%31-Dec-08 4.6629 13.4%31-Mar-09 5.2680 38.4%30-Jun-09 5.3094 39.9%30-Sep-09 5.4054 37.9%31-Dec-09 5.4277 16.4%31-Mar-10 5.2589 -0.2%30-Jun-10 5.2647 -0.8%30-Sep-10 5.1867 -4.0%31-Dec-10 5.2364 -3.5%31-Mar-11 5.2519 -0.1%30-Jun-11 5.1838 -1.5%30-Sep-11 5.3238 2.6%31-Dec-11 5.5019 5.1%31-Mar-12 5.4061 2.9%30-Jun-12 5.4696 5.5%30-Sep-12 5.2751 -0.9%31-Dec-12 4.9420 -10.2%31-Mar-13 5.0498 -6.6%30-Jun-13 4.9372 -9.7%30-Sep-13 4.9317 -6.5%31-Dec-13 4.9302 -0.2%31-Mar-14 4.9237 -2.5%30-Jun-14 5.0189 1.7%30-Sep-14 4.9101 -0.4%31-Dec-14 4.8910 -0.8%31-Mar-15 4.6738 -5.1%30-Jun-15 4.6047 -8.3%30-Sep-15 4.6026 -6.3%31-Dec-15 4.5873 -6.2%31-Mar-16 4.5936 -1.7%


0.2% 0.2%-2.3% 74.1%-3.4% 82.0%-3.3% 80.1%


Exhibit 5.13

CHUBB

HOMEOWNERS SEVERITY TRENDSUS TOTAL Excluding TX





31-Mar-06 13,289 --30-Jun-06 13,138 --30-Sep-06 14,429 --31-Dec-06 14,816 --31-Mar-07 15,122 13.8%30-Jun-07 15,667 19.3%30-Sep-07 15,087 4.6%31-Dec-07 15,342 3.5%31-Mar-08 16,582 9.7%30-Jun-08 16,426 4.8%30-Sep-08 16,349 8.4%31-Dec-08 16,641 8.5%31-Mar-09 16,510 -0.4%30-Jun-09 16,892 2.8%30-Sep-09 17,925 9.6%31-Dec-09 17,459 4.9%31-Mar-10 17,950 8.7%30-Jun-10 18,039 6.8%30-Sep-10 17,816 -0.6%31-Dec-10 18,606 6.6%31-Mar-11 18,881 5.2%30-Jun-11 19,378 7.4%30-Sep-11 19,742 10.8%31-Dec-11 19,772 6.3%31-Mar-12 19,365 2.6%30-Jun-12 20,222 4.4%30-Sep-12 21,143 7.1%31-Dec-12 21,382 8.1%31-Mar-13 22,973 18.6%30-Jun-13 22,980 13.6%30-Sep-13 23,151 9.5%31-Dec-13 23,622 10.5%31-Mar-14 24,412 6.3%30-Jun-14 25,700 11.8%30-Sep-14 26,205 13.2%31-Dec-14 26,139 10.7%31-Mar-15 26,342 7.9%30-Jun-15 27,088 5.4%30-Sep-15 28,400 8.4%31-Dec-15 31,091 18.9%31-Mar-16 32,248 22.4%


8.0% 96.0%9.1% 96.4%

10.6% 96.5%11.4% 94.8%


Exhibit 5.14

CHUBB

HOMEOWNERS FREQUENCY TRENDSUS TOTAL Excluding TX





31-Mar-06 4.9777 --30-Jun-06 5.0157 --30-Sep-06 5.0833 --31-Dec-06 5.1005 --31-Mar-07 4.8854 -1.9%30-Jun-07 4.6696 -6.9%30-Sep-07 4.3697 -14.0%31-Dec-07 3.5977 -29.5%31-Mar-08 3.2925 -32.6%30-Jun-08 3.3213 -28.9%30-Sep-08 3.4029 -22.1%31-Dec-08 4.0651 13.0%31-Mar-09 4.5855 39.3%30-Jun-09 4.6031 38.6%30-Sep-09 4.7198 38.7%31-Dec-09 4.7069 15.8%31-Mar-10 4.5796 -0.1%30-Jun-10 4.5442 -1.3%30-Sep-10 4.4703 -5.3%31-Dec-10 4.5228 -3.9%31-Mar-11 4.4929 -1.9%30-Jun-11 4.4950 -1.1%30-Sep-11 4.5844 2.6%31-Dec-11 4.6767 3.4%31-Mar-12 4.6025 2.4%30-Jun-12 4.5809 1.9%30-Sep-12 4.4094 -3.8%31-Dec-12 4.1686 -10.9%31-Mar-13 4.2241 -8.2%30-Jun-13 4.1105 -10.3%30-Sep-13 4.0775 -7.5%31-Dec-13 4.0931 -1.8%31-Mar-14 4.1331 -2.2%30-Jun-14 4.2576 3.6%30-Sep-14 4.2243 3.6%31-Dec-14 4.2017 2.7%31-Mar-15 3.9743 -3.8%30-Jun-15 3.9233 -7.9%30-Sep-15 3.9144 -7.3%31-Dec-15 3.8876 -7.5%31-Mar-16 3.9720 -0.1%


-0.3% 0.9%-2.6% 81.6%-3.3% 78.6%-2.4% 57.5%


Exhibit 5.15

Frequency Trend Severity TrendHistorical Prospective Historical Prospective

House & Vacation home -4.0% -4.0% 8.0% 9.0%R/C/C -2.5% -2.5% 8.0% 8.0%

Loss Trend SelectionsCHUBB

Exhibit 5.16

Exhibit 5.17CHUBBPennsylvania HomeownersForm Indication = HouseCompanies = AllTerritory = AllEvaluated as of 03/2016

Calculation of Loss Ratio Trend Factors

(1) (2) (3) (4) (5) Calendar / Loss

Accident Frequency Severity Premium RatioYear Trend Trend Trend Trend2011 0.758 1.732 1.282 1.0232012 0.789 1.603 1.255 1.0082013 0.822 1.485 1.218 1.0022014 0.856 1.375 1.177 1.0002015 0.892 1.273 1.131 1.004

(2) Based on Frequency Selections in Exhibit 5.16 and a projection period of 2.8 yrs(3) Based on Severity Selections in Exhibit 5.16 and a projection period of 2.8 yrs(4) Exhibit 5.1, col 11 * Exhibit 5.2, col 12(5) = (2) * (3) / (4)

Net Projection Trend(6) Loss Trend 4.6%(7) Premium Trend 4.5%(8) Annual Net Projection Trend = (1+(6)) / (1+ (7)) -1 0.1%



(1) (2) (3) (4) (5) Calendar / Loss

Accident Frequency Severity Premium RatioYear Trend Trend Trend Trend2011 0.842 1.688 1.069 1.3292012 0.863 1.563 1.061 1.2722013 0.886 1.447 1.048 1.2232014 0.908 1.340 1.026 1.1862015 0.932 1.240 0.999 1.157



Exhibit 6.1CHUBB

PA

Non-Earthquake Catastrophe Load Exhibit: All Cats Excl. Hurr. & Trop. StormsCalendar/Accident Year as of March 31, 2016

Historical Data: House & Vacation Homes

(A) (B) (C) (D) (E) (F) (G) (H)Calendar/ EarnedAccident Insurance Non-Cat Catastrophe

Year Years (000's) Losses Losses 1-Yr 5-Yr 10-Yr 15-Yr 20-Yr(EIY) (C) / (A)

1986 - 5,744,133 -1987 - 5,452,789 -1988 - 7,635,473 10,6151989 - 12,345,933 1,188,281 1990 - 11,452,592 130,906 1991 7,325,722 14,923,314 129,745 1.8%1992 7,791,935 13,193,907 2,418,328 31.0%1993 8,300,601 13,781,389 1,953,186 23.5%1994 8,685,332 15,964,306 13,318,816 153.3%1995 9,160,967 13,879,650 532,516 5.8% 44.5%1996 9,902,801 24,877,685 10,342,648 104.4% 65.2%1997 10,962,969 16,627,926 460,117 4.2% 56.6%1998 12,277,944 15,111,265 6,498,141 52.9% 61.1%1999 13,548,245 19,273,331 1,707,137 12.6% 35.0%2000 14,945,948 27,930,904 1,580,028 10.6% 33.4% 37.8%2001 16,822,360 33,664,167 280,529 1.7% 15.4% 34.8%2002 18,707,855 29,994,673 1,889,910 10.1% 15.7% 31.3%2003 20,494,675 27,767,787 6,946,966 33.9% 14.7% 32.1%2004 22,070,856 31,764,483 1,827,004 8.3% 13.5% 21.5%2005 23,342,801 25,130,435 1,475,636 6.3% 12.2% 20.2% 25.1%2006 24,834,938 29,761,132 3,776,574 15.2% 14.5% 14.9% 24.8%2007 26,184,076 31,437,640 5,304,935 20.3% 16.5% 16.2% 24.1%2008 26,890,588 38,922,329 1,242,680 4.6% 11.0% 12.5% 22.1%2009 26,925,378 43,798,623 3,028,004 11.2% 11.6% 12.4% 16.9%2010 26,540,169 42,190,309 28,958,129 109.1% 32.2% 23.5% 25.6% 27.9%2011 26,422,680 36,043,882 4,155,080 15.7% 32.1% 24.2% 22.2% 27.5%2012 26,965,178 28,456,402 1,519,693 5.6% 29.1% 23.2% 21.5% 25.9%2013 28,119,951 27,554,042 1,128,193 4.0% 28.7% 20.3% 18.9% 24.4%2014 29,161,460 48,020,380 22,409,035 76.8% 42.4% 27.5% 23.9% 25.4%2015 29,997,886 30,817,891 8,913,664 29.7% 27.1% 29.6% 24.9% 26.1%

All Years Weighted Average: 27.7%

Earned Insurance Year Cat Factor

Exhibit 6.2CHUBB

PA


Trended Data: House & Vacation Homes

(A) (B) (C) (D) (E) (F) (G) (H)Calendar/ Trended Earned Trended TrendedAccident Insurance Non-Cat Catastrophe


1986 - 96,322,170 -1987 - 83,678,545 -1988 - 107,232,153 138,430 1989 - 158,674,322 14,216,814 1990 - 134,703,903 1,436,866 1991 34,917,861 160,633,205 1,306,534 3.7%1992 35,037,785 129,968,205 22,341,836 63.8%1993 35,212,349 124,236,826 16,554,679 47.0%1994 34,758,899 131,704,634 103,565,778 298.0%1995 34,587,171 104,790,806 3,798,891 11.0% 84.6%1996 35,271,663 171,889,080 67,690,761 191.9% 122.4%1997 36,837,502 105,140,505 2,762,736 7.5% 110.0%1998 38,920,801 87,443,283 35,795,942 92.0% 118.4%1999 40,516,630 102,064,818 8,627,531 21.3% 63.8%2000 42,166,531 135,362,365 7,325,823 17.4% 63.1% 73.3%2001 44,773,954 149,305,040 1,193,282 2.7% 27.4% 71.3%2002 46,973,906 121,743,108 7,375,302 15.7% 28.3% 65.3%2003 48,547,608 103,141,911 24,871,807 51.2% 22.2% 65.2%2004 49,321,937 107,976,526 6,001,021 12.2% 20.2% 39.6%2005 49,211,663 78,177,400 4,446,706 9.0% 18.4% 38.4% 51.7%2006 49,393,783 84,727,485 10,440,725 21.1% 21.8% 24.4% 51.9%2007 49,129,302 81,906,518 13,455,079 27.4% 24.1% 26.0% 49.4%2008 47,598,994 92,802,783 2,891,605 6.1% 15.2% 18.5% 46.3%2009 44,962,807 95,568,835 6,464,123 14.4% 15.7% 17.9% 30.9%2010 41,810,892 84,248,504 56,714,902 135.6% 38.6% 28.4% 38.5% 48.1%2011 39,269,624 65,868,035 7,465,855 19.0% 39.0% 30.1% 29.3% 48.5%2012 37,807,443 47,590,119 2,505,126 6.6% 36.0% 29.6% 29.2% 46.0%2013 37,194,841 42,171,182 1,706,203 4.6% 37.2% 25.1% 24.1% 44.2%2014 36,389,120 67,258,891 31,091,656 85.4% 51.7% 31.7% 27.7% 35.6%2015 35,314,013 39,502,145 11,346,200 32.1% 29.1% 34.4% 28.6% 36.4%


Selected Cat Factor to EIYs: 37.0%


Exhibit 6.3CHUBB

PA


Historical Data: Renters/Condos/Co-ops



1986 - 552,252 -1987 - 412,844 -1988 - 697,184 -1989 - 805,795 1121990 - 969,188 -1991 - 1,496,191 1,2021992 - 1,158,439 68,6531993 - 1,060,345 22,5331994 - 2,355,345 377,481 1995 - 987,209 6,2071996 626,904 1,436,172 90,771 14.5%1997 693,393 2,099,422 27,393 4.0%1998 759,523 1,151,088 34,164 4.5%1999 800,224 1,269,846 40,484 5.1%2000 878,989 1,514,245 13,202 1.5% 5.5%2001 975,496 2,839,111 26,576 2.7% 3.5%2002 1,083,765 2,194,410 23,777 2.2% 3.1%2003 1,200,137 2,430,097 153,811 12.8% 5.2%2004 1,306,195 2,004,852 185,123 14.2% 7.4%2005 1,431,823 2,661,358 106,824 7.5% 8.3% 7.2%2006 1,537,276 3,023,903 47,525 3.1% 7.9% 6.2%2007 1,649,522 1,953,199 79,105 4.8% 8.0% 6.1%2008 1,745,132 2,672,155 8,666 0.5% 5.6% 5.4%2009 1,751,628 4,256,750 36,626 2.1% 3.4% 5.0%2010 1,760,613 2,055,638 215,447 12.2% 4.6% 6.1% 6.0%2011 1,814,831 2,837,879 10,719 0.6% 4.0% 5.7% 5.2%2012 1,838,599 2,551,718 30,719 1.7% 3.4% 5.5% 4.9%2013 1,915,204 1,882,271 24,651 1.3% 3.5% 4.4% 4.6%2014 1,991,189 5,076,207 441,949 22.2% 7.8% 5.7% 6.1%2015 2,053,180 2,785,821 525,499 25.6% 10.8% 7.9% 8.0% 7.6%



Exhibit 6.4CHUBB

PA


Trended Data: Renters/Condos/Co-ops



1986 - 9,260,599 -1987 - 6,335,507 -1988 - 9,791,213 -1989 - 10,356,364 8991990 - 11,399,464 -1991 - 16,104,865 8,3491992 - 11,411,346 443,606 1993 - 9,558,826 135,441 1994 - 19,431,465 2,110,652 1995 - 7,453,389 32,2851996 2,232,896 9,923,041 439,189 19.7%1997 2,329,924 13,274,914 123,292 5.3%1998 2,407,671 6,660,919 143,040 5.9%1999 2,393,107 6,724,660 157,675 6.6%2000 2,479,865 7,338,530 47,831 1.9% 7.7%2001 2,596,355 12,591,833 89,568 3.4% 4.6%2002 2,721,246 8,906,725 74,544 2.7% 4.1%2003 2,842,875 9,026,461 448,573 15.8% 6.3%2004 2,918,966 6,815,063 502,224 17.2% 8.6%2005 3,018,592 8,279,126 269,586 8.9% 9.8% 8.8%2006 3,057,463 8,608,802 111,569 3.6% 9.7% 7.4%2007 3,095,006 5,088,796 172,749 5.6% 10.1% 7.3%2008 3,089,056 6,371,238 17,604 0.6% 7.1% 6.7%2009 2,925,051 9,288,252 69,212 2.4% 4.2% 6.3%2010 2,773,637 4,104,839 378,727 13.7% 5.0% 7.4% 7.4%2011 2,697,218 5,186,054 17,528 0.6% 4.5% 7.1% 6.3%2012 2,577,870 4,267,460 46,728 1.8% 3.8% 7.0% 6.1%2013 2,533,280 2,880,797 34,882 1.4% 4.1% 5.7% 5.8%2014 2,484,704 7,109,899 581,734 23.4% 8.1% 6.0% 6.8%2015 2,417,038 3,570,845 643,451 26.6% 10.4% 7.5% 8.3% 8.2%




Exhibit 6.5CHUBB

PA


Historical Data: City Homes



1986 - - -1987 - - -1988 - - -1989 - - -1990 - - -1991 - - -1992 - - -1993 - - -1994 - 8,497 -1995 - 77,120 -1996 112,637 56,144 68,473 60.8%1997 127,807 103,787 -1998 134,126 54,095 -1999 148,583 126,517 -2000 170,068 342,294 3,179 1.9% 10.3%2001 191,974 404,723 999 0.5% 0.5%2002 241,406 358,302 - 0.5%2003 295,586 168,242 35,588 12.0% 3.8%2004 343,844 143,691 110,272 32.1% 12.1%2005 408,127 489,652 - 9.9% 10.1%2006 492,539 695,928 - 8.2% 5.9%2007 558,006 801,516 885 0.2% 7.0% 5.1%2008 610,257 255,514 - 4.6% 4.4%2009 617,766 1,619,840 - 0.0% 3.8%2010 630,321 1,474,139 51,453 8.2% 1.8% 4.5% 5.3%2011 650,913 358,946 4,896 0.8% 1.9% 4.2% 3.7%2012 676,704 312,301 - 1.8% 3.8% 3.4%2013 708,278 593,779 - 1.7% 2.9% 3.1%2014 760,028 2,942,801 146,675 19.3% 5.9% 3.3% 4.8%2015 808,043 341,625 10,420 1.3% 4.5% 3.3% 4.5% 5.0%



Exhibit 6.6CHUBB

PA


Trended Data: City Homes



1986 - - -1987 - - -1988 - - -1989 - - -1990 - - -1991 - - -1992 - - -1993 - - -1994 - 70,100 -1995 - 582,253 -1996 401,188 387,920 448,143 111.7%1997 429,453 656,258 -1998 425,177 313,028 -1999 444,343 669,990 -2000 479,806 1,658,870 14,739 3.1% 21.2%2001 510,953 1,795,000 4,249 0.8% 0.8%2002 606,152 1,454,285 - 0.8%2003 700,182 624,926 127,414 18.2% 5.3%2004 768,392 488,447 362,202 47.1% 16.6%2005 860,419 1,523,241 - 14.3% 17.0%2006 979,602 1,981,250 - 12.5% 8.2%2007 1,046,989 2,088,242 2,245 0.2% 11.3% 7.5%2008 1,080,216 609,224 - 7.7% 6.8%2009 1,031,611 3,534,500 - 0.0% 6.3%2010 992,996 2,943,662 100,771 10.1% 2.0% 7.0% 9.9%2011 967,393 655,952 8,797 0.9% 2.2% 6.7% 5.5%2012 948,795 522,288 - 2.2% 6.4% 5.2%2013 936,854 908,773 - 2.2% 4.9% 5.0%2014 948,401 4,121,782 203,506 21.5% 6.5% 3.2% 6.4%2015 951,242 437,892 13,264 1.4% 4.7% 3.3% 6.2% 8.3%




Exhibit 6.7CHUBBPennsylvania HomeownersForm Indication = HouseCompanies = AllTerritory = AllEvaluated as of 03/2016Catastrophe Loss and ALAE ratios

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)(1)*(2)*(3) (5)*(6) (7)*(8) (9)/(4) (10)+(11)

Calendar/ Trended Trended non-Modeled Expected non-ModeledModeled Cat Total CatAccident Earned On-level Premium On-level Earned Earned Catastrophe non-Modeled Loss&ALAE Loss&ALAE Loss&ALAEYear Premium Factors Trend Premium Ins Years EIY Trend Ins Years Factor to EIY Catastrophe $'s Ratio Ratio Ratio

2011 70,284,778 1.247 1.282 112,355,301 26,422,680 1.492 39,425,509 37.0% 14,587,438 13.0% 1.7% 14.7%2012 70,937,427 1.220 1.255 108,599,430 26,965,178 1.411 38,045,067 37.0% 14,076,675 13.0% 1.7% 14.6%2013 73,705,369 1.163 1.218 104,362,994 28,119,950 1.334 37,514,936 37.0% 13,880,526 13.3% 1.7% 15.0%2014 78,072,453 1.074 1.177 98,691,722 29,160,119 1.261 36,785,239 37.0% 13,610,539 13.8% 1.7% 15.5%2015 80,125,134 1.030 1.131 93,324,398 29,973,961 1.193 35,753,869 37.0% 13,228,931 14.2% 1.7% 15.9%Total 373,125,162 517,333,845 140,641,888 187,524,621 37.0% 69,384,110 13.4% 1.7% 15.1%

Exhibit 6.8CHUBBPennsylvania HomeownersForm Indication = RCCCompanies = AllTerritory = AllEvaluated as of 03/2016Catastrophe Loss and ALAE ratios

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)(1)*(2)*(3) (5)*(6) (7)*(8) (9)/(4) (10)+(11)


2011 6,707,348 0.977 1.069 7,002,025 1,814,886 1.069 1,940,119 7.9% 153,269 2.2% 0.8% 3.0%2012 6,724,855 0.978 1.061 6,980,489 1,838,603 1.059 1,946,468 7.9% 153,771 2.2% 0.8% 3.1%2013 6,721,154 0.980 1.048 6,900,061 1,915,200 1.048 2,007,954 7.9% 158,628 2.3% 0.8% 3.1%2014 6,736,619 0.979 1.026 6,767,224 1,991,232 1.038 2,067,481 7.9% 163,331 2.4% 0.8% 3.3%2015 6,678,077 0.979 0.999 6,531,374 2,052,448 1.028 2,110,435 7.9% 166,724 2.6% 0.8% 3.4%Total 33,568,052 34,181,174 9,612,368 10,072,456 7.9% 795,724 2.3% 0.8% 3.2%

Exhibit 6.9CHUBBPennsylvania HomeownersForm Indication = City HomeCompanies = AllTerritory = AllEvaluated as of 03/2016Catastrophe Loss and ALAE ratios

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)(1)*(2)*(3) (5)*(6) (7)*(8) (9)/(4) (10)+(11)


2011 1,699,130 1.002 1.282 2,183,311 650,913 1.492 971,233 6.6% 64,101 2.9% 3.7% 6.7%2012 1,748,741 1.001 1.255 2,196,267 676,704 1.411 954,759 6.6% 63,014 2.9% 3.7% 6.6%2013 1,763,816 1.002 1.218 2,152,561 708,278 1.334 944,916 6.6% 62,364 2.9% 3.7% 6.6%2014 1,795,463 1.002 1.177 2,117,425 760,028 1.261 958,769 6.6% 63,279 3.0% 3.7% 6.7%2015 1,865,250 1.002 1.131 2,113,829 808,131 1.193 963,964 6.6% 63,622 3.0% 3.7% 6.8%Total 8,872,400 10,763,393 3,604,054 4,793,641 6.6% 316,380 2.9% 3.7% 6.7%

Exhibit 6.10

(1)Modeled

Loss

(2)Adjusted

Hurr. Losses

(3)Inforce Prem at 12/31/15

(4)Onleveled

Inforce Prem.

(5)Hurricane Loss & ALAE Ratio

House 1,251,373 1,385,583 80,411,352 82,743,281 1.7%R/C/C 50,905 56,365 6,791,546 6,642,132 0.8%City Home 64,181 71,064 1,900,186 1,900,186 3.7%Total 1,366,459 1,513,012 89,103,084 91,285,599 1.7%

*RMS RiskLink v15 Hurricane Model AAL using December 2015 data

(2) = (1) *ALAE load of 1.03 * Other Coverage Manual load of 1.075where the Other Coverage Manual load accounts for coverages not included in the RMS model

(4) = (3) * onlevel premium factor (1.029 for House, .978 for R/C/C, and 1.000 for City Home)

(5) = (2) / (4)

CHUBBPennsylvania HomeownersModeled Hurricane Losses

Exhibit 7.1CHUBB

Homeowners InsuranceCountrywide Unallocated Loss Adjustment Expense Exhibit

(1) (2) (3) (4)[(3)+(2)]/(2)

Incurred UnallocatedUnallocated Loss

Gross Incurred Losses Loss AdjustmentCalendar Including Allocated Adjustment Expenses Year Loss Adjustment Expenses Expenses Ratio *

2015 1,195,533 75,296 1.063

2014 1,125,042 72,583 1.065

2013 1,027,343 57,986 1.056

Average 1.061

Items (2) and (3) above are expressed in (000's) of dollars.

* - To be applied to incurred losses including allocated loss adjustment expense.

Exhibit 8.1CHUBB

Homeowners InsuranceCountrywide Underwriting Expense Exhibit

(1) (3) * (4)

Expense Components Ratio = (2) ÷ (3)

Other Direct OtherCalendar General Acquisition Earned General Acquisition

Year Expense Expense Premium Expense Expense

2015 42,682 156,167 2,066,918 2.1% 7.6%

2014 38,586 136,421 2,012,261 1.9% 6.8%

2013 43,235 154,028 1,922,007 2.2% 8.0%

Average 2.1% 7.5%

* - Items (2) and (3) above are from the respective Consolidated/Combined FederalInsurance Company Insurance Expense Exhibits for the calendar years shown,and are expressed in (000's) of dollars.

(2) *

PENNSYLVANIA ANNUAL STATEMENT PAGE 15 Exhibit 9.1Homeowners Commission, Guaranteed Supplemental Compensation and Taxes

DIRECT GUARANTEEDCAL WRITTEN STANDARD SUPPLEMENTAL STATE

Company YEAR PREMIUM COMMISSIONS % COMPENSATION % SUBTOTAL % TAXES %Federal 2013 6,347,600 1,003,114 15.8% 62,246 1.0% 1,065,360 16.8% 160,407 2.5%

2014 6,121,731 966,823 15.8% 73,891 1.2% 1,040,714 17.0% 127,315 2.1%2015 5,597,017 882,984 15.8% 70,459 1.3% 953,443 17.0% 117,193 2.1%

Vigilant 2013 4,712,824 745,692 15.8% 44,516 0.9% 790,208 16.8% 149,678 3.2%2014 4,487,364 704,299 15.7% 55,164 1.2% 759,463 16.9% 107,973 2.4%2015 4,114,762 646,066 15.7% 46,189 1.1% 692,255 16.8% 101,436 2.5%

Pacific Indemnity 2013 9,047,113 1,453,877 16.1% 90,039 1.0% 1,543,916 17.1% 245,961 2.7%2014 9,514,974 1,518,948 16.0% 113,810 1.2% 1,632,758 17.2% 211,045 2.2%2015 9,250,566 1,479,472 16.0% 112,080 1.2% 1,591,552 17.2% 216,087 2.3%

Great Northern 2013 47,848,580 7,454,860 15.6% 498,599 1.0% 7,953,459 16.6% 1,299,258 2.7%2014 48,022,498 7,456,984 15.5% 673,231 1.4% 8,130,215 16.9% 1,002,727 2.1%2015 45,543,018 7,065,059 15.5% 538,753 1.2% 7,603,812 16.7% 967,440 2.1%

Chubb Indemnity 2013 7,329,574 1,185,766 16.2% 69,325 0.9% 1,255,091 17.1% 175,548 2.4%2014 7,248,915 1,173,919 16.2% 95,994 1.3% 1,269,913 17.5% 160,131 2.2%2015 7,033,803 1,136,355 16.2% 97,434 1.4% 1,233,789 17.5% 156,022 2.2%

Chubb National 2013 9,359,076 1,695,229 18.1% 112,224 1.2% 1,807,453 19.3% 205,485 2.2%2014 14,023,357 2,484,699 17.7% 221,548 1.6% 2,706,247 19.3% 302,784 2.2%2015 17,181,269 2,941,019 17.1% 247,521 1.4% 3,188,540 18.6% 369,825 2.2%

Total 2013 84,644,767 13,538,538 16.0% 876,949 1.0% 14,415,487 17.0% 2,236,337 2.6%2014 89,418,839 14,305,672 16.0% 1,233,638 1.4% 15,539,310 17.4% 1,911,975 2.1%2015 88,720,435 14,150,955 16.0% 1,112,436 1.3% 15,263,391 17.2% 1,928,003 2.2%

2013-2015 262,784,041 41,995,165 16.0% 3,223,023 1.2% 45,218,188 17.2% 6,076,315 2.3%

SELECTED PROVISIONS

STANDARD COMMISSIONS 16.0%GUARANTEED SUPPLEMENTAL COMPENSATION * 1.2%TAXES, LICENSES AND FEES 2.3%SUBTOTAL 19.5%MANDATED, RESIDUAL MARKET LOAD, OR ASSESSMENT 0.0%U/W PROFIT PROVISION (based on ) 11.1%TOTAL U/W PROFIT AND VARIABLE EXPENSE 30.6%

Exhibit 10.1

The following calculation was used to calculate an appropriate underwriting profit provision given items(1) through (5) below:

ROE = (UW * PS) * (1 - CTX) + (II * PS) * (1 – ETX) + YS * (1 – ETX)

Item Description Value1 . ROE After-Tax Expected Statutory Return on Equity 12.1%2 . II Investment Income Yield on Policyholder Funds as a % of Premium (See Exhibit 11.1) 1.50%3 . PS Premium to Surplus Ratio (Based on three year average from Annual Statement) 0.704 . YS Investment Income Yield on Surplus (See Exhibit 11.1) 3.10%5 . CTX Corporate Tax Rate 35.0%6 . ETX Effective Tax Rate (See Exhibit 11.1) 5.62%

7 . UW Underwriting Profit as a Percentage of Premium Calculated 17.9%Selected 11.1%

Privileged InformationProprietary and Confidential

CHUBBPennsylvania Homeowners

Underwriting Profit Provision Calculation

Exhibit 11.1

FEDERAL COMBINED INSURANCE COMPANIESSTATE OF PENNSYLVANIA

ANNUAL STATEMENT LINE 4 -- HOMEOWNERS CALCULATION OF INVESTMENT INCOME OFFSET

A. Direct Earned Premiums for Calendar Year 2015 (see Sheet 2) 89,067,294

B. Unearned Premium Reserve Subject to Investment (see Sheet 2)

1. Mean Unearned Premium Reserve for Calendar Year 2015

a. Unearned Premium Reserve as of 12/31/15 46,792,486b. Unearned Premium Reserve as of 12/31/14 47,012,528c. Mean Unearned Premium Reserve (a + b) ÷ 2 46,902,507

2. Deduction for Prepaid Expenses

a. Prepaid Expense Provisions:1. Commissions & Brokerage (excluding GSC) 16.0%2. Other Acquisition Expenses 7.5%3. 50% of General Expenses 1.0%4. Taxes, Licenses, & Fees 2.3%5. Ceded Reinsurance Premium 0.0%6. Total 26.8%

b. Deduction for Prepaid Expenses (B.1.c x B.2.a.6) 12,566,659

3. Deduction for Federal Taxes Payable (B.1.c x 7.0%) 3,283,175(see Sheet 2)

4. Deduction for Delayed Remission of Premiums

a. Average Agents' Balances Percentage (see Sheet 2) 19.80%b. Delayed Remission of Premiums (A x B.4.a) 17,635,324

5. Net Unearned Premium Reserve Subject to Investment 13,417,349(B.1.c - B.2.b - B.3 - B.4.b)

C. Loss Reserves Subject to Investment (see Sheet 2)

1. Expected Incurred Loss & LAE Ratio 59.85%

2. Average Reserve to Incurred Loss & LAE Ratio 0.573

3. Expected Mean Loss and Loss Adjustment Expense Reserve 30,543,264(A x C.1 x C.2)

D. Net Subject to Investment (B.5 + C.3) 43,960,613

E. Average Rate of Return on Invested Assets (see Sheet 2) 3.10%

F. Expected Investment Earnings (D x E) 1,362,779

G. Ratio of Investment Earnings to Earned Premium, 1.50%equals Investment Income Offset (F ÷ A)

H. Effective Tax Rate on Investment Income 5.62%

I. After-tax Ratio of Investment Earnings to Earned Premium 1.42%(G x (1 - H))

Exhibit 11.2



Item A Earned premiums are from the Federal Combined Annual Statement forLine 4 -- Homeowners : (Page 15, Line 4).

Item B.1 Unearned premium reserves are from the Federal Combined Annual Statement forLine 4 -- Homeowners : (Page 15, Line 4).

Item B.2 Production costs and a significant portion of other underwriting expenses (excluding lossadjustment expenses) are incurred as soon as the policy is written and before the premium is earned. As a result, these monies are not available for investment.

Item B.3 The Tax Reform Act of 1986 taxes 20% of the unearned premium reserve. At a corporatetax rate of 35%, this tax equals 7.0% (0.20 x 0.35 = 0.070) of the unearned premiumreserve. As a result, these monies are not available for investment.

Item B.4 The average agents' balances percentage is based on the following informationfor all lines of business from the Federal Combined Annual Statement:

Dollars in Thousands 20151. Net Earned Premium (Page 4, Line 1) 10,348,0472. Current Agents' Balances (Page 2, Lines 13.1 + 13.2) 2,048,3873. Prior Agents' Balances (Page 2, Lines 13.1 + 13.2) 2,050,5724. Mean Agents' Balances [(2) + (3)] ÷ 2 2,049,4795. Average Agents' Balances Percentage (4) ÷ (1) 19.80%

Item C.1 The expected incurred loss & loss adjustment expense ratio is 1 - Total Expenses (excl ceded reins prem)where Total Expenses (excl ceded reins prem) = B.2.a.6 + GSC + 50% Gen Exp + Profit & Cont - ceded reins premfor GSC = 1.2%, Profit & Contigencies = 11.1%.

Item C.2 The average reserve to incurred ratio is based on the following information based on the FederalCombined Annual Statement for Line 4 -- Homeowners : (Page 15, Line 4).

Dollars in Thousands 2013 2014 20151. Incurred Losses & LAE (000's) 828,638 1,207,589 1,272,3832. Current Unpaid Losses and LAE (000's) 523,522 581,597 613,8053. Prior Unpaid Losses and LAE (000's) 843,891 523,522 581,5974. Mean Loss & LAE Reserves [(2) + (3)] ÷ 2 683,707 552,560 597,7015. Ratio (4) ÷ (1) 0.825 0.458 0.4706. Average Reserve to Incurred Ratio 0.584

7. Estimated Reserve Discount 5.57%8. Federal Taxes Payable (% of Reserve) 0.019

[ (7) x 35% ]9. (6) x [(1.000 - (8)] 0.5730

Item E The average rate of return on invested assets is based on the following information for all linesof business from the Federal Combined Annual Statement.

Dollars in Thousands 2013 2014 20151. Net Investment Income Earned (Page 4, Line 9) 1,186,079 999,121 1,071,4442. Cash and Invested Assets (Page 2, Line 10) 34,771,379 35,423,377 35,351,0623. Rate of Return Percentage (1) ÷ (2) 3.40% 2.80% 3.00%4. Selected Rate of Return on Invested Assets 3.10%

Exhibit 12.1

Excess Shock Loss Methodology Expected Annual Loss Amount Calculation

(Cap set at 10% of Written Coverage Amount) Capped Loss: For fire losses only, the ground-up value of any loss and ALAE amount is capped at 10% of the written coverage amount (house and contents) and then the appropriate deductible is subtracted (this calculation includes the contemplation of a franchise deductible: the deductible is waived for non-catastrophe, non-wind losses exceeding $50,000). For all other causes of loss, there is no shock-adjustment. Expected Annual Loss: The expected annual loss for each policy is:

Capped Loss +

US

StateUS

EIY

EIYCapLosses %10 State Offset Factor

This is calculated as, Written Coverage Amount (Cov) = Coverage A + Coverage C

k

iii CovEHYEIY

where k = number of houses

Severity (Sev) =

US

US

US

US

EIY

EHY

CapofClaims

CapLosses

%10#

%10

Frequency per 1,000 Cov (Freq) = US

US

US

US

EHY

CapofClaims

EHY

CapofClaims %10#000,1

000,1

%10#

Freq x Sev =

US

US

EIY

CapLosses %10000,1

Expected Annual Loss = Capped Loss + [ (Freq/1,000 x Sev) x StateEIY ] x State Offset Factor

=Capped Loss +

State

US

US EIYEIY

CapLosses

000,1

%10000,1 State Offset Factor

= Capped Loss +

US

StateUS

EIY

EIYCapLosses %10State Offset Factor

State Offset Factor = Credibility Weighted 20 yr Raw Shock Loss Frequency/ US 20 yr Raw Shock Loss Frequency.

Exhibit 12.2 Selected Excess Fire Shock Loss Frequency and Severity Indices

Year Of

Construction

Fire Protection

Class

XS Frequency

Per 1,000 EHYs XS

Severity < 1920 A 0.5431 0.4869

B 0.7227 0.4381 C 0.8505 0.5845 D 1.7587 0.7548

1920 A 0.3892 0.5086 B 0.5178 0.4576 C 0.6094 0.6105 D 1.2602 0.7884

Total 0.4822 0.5119 Fire Protection Definitions: A Fire station within 5 miles, fire hydrant within 1000 feet, fire alarm B Fire station within 5 miles and fire hydrant within 1000 feet C Fire station within 5 miles and fire alarm OR fire hydrant within 1000 feet and fire alarm D Fire station within 5 miles OR fire hydrant within 1000 feet OR fire alarm OR no fire protection

Exhibit 12.3

Buhlmann BuhlmannActual Straub Straub Cred

Region Relativity Credibility RelativityPennsylvania 1.030 0.965 1.029Mid-Atlantic 0.924 0.989 0.925US Total 1.000 1.000

Selected 1.029

* Frequency, is Shock Count/ EHYs

Fire: State Offset FactorsBased on 20 year Credibility Weighted Frequency

CHUBBHomeowners Insurance

Exhibit 13.1

(1) (2) (3) (4) (5) (6) (7) (8)

Proposed Territory

Total Locations

% Distribution

Current Base Rate

Proposed Base Rate

Base Rate Change

Premium At Current Rates

Proposed Premium

Overall Rate Effect

001 887 4.1% 1,174 1,231 4.9% 3,503,676 3,679,664 5.0%005 136 0.6% 845 886 4.9% 488,629 513,524 5.1%006 172 0.8% 630 661 4.9% 569,515 598,989 5.2%007 167 0.8% 601 630 4.9% 485,984 512,780 5.5%008 124 0.6% 845 886 4.9% 440,207 464,248 5.5%009 48 0.2% 888 931 4.9% 162,187 171,479 5.7%010 5 0.0% 717 752 4.9% 16,669 17,539 5.2%012 249 1.2% 630 661 4.9% 689,800 724,491 5.0%014 651 3.0% 1,174 1,231 4.9% 3,494,672 3,672,260 5.1%021 96 0.4% 794 832 4.9% 260,110 273,538 5.2%022 117 0.5% 630 661 4.9% 372,312 391,291 5.1%023 191 0.9% 601 630 4.9% 565,577 595,085 5.2%024 13 0.1% 794 832 4.9% 46,527 48,626 4.5%025 27 0.1% 601 630 4.9% 76,842 80,969 5.4%027 121 0.6% 601 630 4.9% 363,380 382,173 5.2%031 25 0.1% 669 702 4.9% 69,059 72,537 5.0%035 26 0.1% 818 858 4.9% 103,221 109,109 5.7%037 3 0.0% 888 931 4.9% 16,289 17,333 6.4%051 11 0.1% 818 858 4.9% 34,669 36,303 4.7%052 168 0.8% 818 858 4.9% 465,373 489,889 5.3%053 88 0.4% 717 752 4.9% 249,363 260,000 4.3%054 97 0.5% 845 886 4.9% 246,668 260,007 5.4%055 310 1.4% 792 831 4.9% 785,018 823,489 4.9%056 12 0.1% 888 931 4.9% 45,081 47,150 4.6%057 22 0.1% 794 832 4.9% 78,048 82,416 5.6%058 263 1.2% 669 702 4.9% 901,660 949,054 5.3%059 308 1.4% 669 702 4.9% 980,212 1,027,802 4.9%061 28 0.1% 717 752 4.9% 77,428 81,682 5.5%071 22 0.1% 717 752 4.9% 102,871 107,802 4.8%073 830 3.9% 830 870 4.9% 3,598,105 3,779,195 5.0%074 55 0.3% 792 831 4.9% 153,767 161,663 5.1%075 390 1.8% 818 858 4.9% 1,216,162 1,275,620 4.9%076 10 0.0% 738 774 4.9% 18,430 19,297 4.7%077 574 2.7% 818 858 4.9% 2,020,027 2,122,032 5.0%081 294 1.4% 818 858 4.9% 871,728 914,612 4.9%082 66 0.3% 818 858 4.9% 233,922 245,817 5.1%083 1,553 7.2% 830 870 4.9% 5,592,051 5,871,756 5.0%086 72 0.3% 1,068 1,120 4.9% 343,997 360,535 4.8%087 87 0.4% 888 931 4.9% 228,826 239,936 4.9%088 16 0.1% 818 858 4.9% 68,608 71,468 4.2%089 37 0.2% 845 886 4.9% 169,930 178,630 5.1%090 174 0.8% 630 661 4.9% 555,323 586,040 5.5%091 29 0.1% 818 858 4.9% 91,084 95,651 5.0%092 748 3.5% 839 880 4.9% 2,099,685 2,203,524 4.9%093 69 0.3% 845 886 4.9% 250,867 262,699 4.7%094 24 0.1% 818 858 4.9% 67,217 70,618 5.1%095 940 4.4% 1,013 1,062 4.9% 3,406,526 3,573,605 4.9%096 15 0.1% 818 858 4.9% 55,302 58,222 5.3%099 33 0.2% 717 752 4.9% 103,694 108,766 4.9%100 156 0.7% 601 630 4.9% 450,885 476,639 5.7%101 386 1.8% 1,068 1,120 4.9% 1,705,945 1,788,110 4.8%102 14 0.1% 717 752 4.9% 32,573 34,240 5.1%104 6 0.0% 818 858 4.9% 13,582 14,251 4.9%106 1 0.0% 818 858 4.9% 1,403 1,538 9.6%107 103 0.5% 818 858 4.9% 295,716 311,046 5.2%108 188 0.9% 818 858 4.9% 440,794 462,835 5.0%109 35 0.2% 818 858 4.9% 88,046 92,211 4.7%110 242 1.1% 818 858 4.9% 764,715 804,009 5.1%111 38 0.2% 818 858 4.9% 106,167 111,512 5.0%113 43 0.2% 818 858 4.9% 114,602 120,474 5.1%114 767 3.6% 818 858 4.9% 2,858,012 3,007,218 5.2%115 414 1.9% 818 858 4.9% 1,131,864 1,185,197 4.7%116 1 0.0% 818 858 4.9% 3,388 3,474 2.5%117 9 0.0% 818 858 4.9% 21,068 22,085 4.8%119 21 0.1% 818 858 4.9% 58,409 61,435 5.2%120 1,080 5.0% 818 858 4.9% 4,037,016 4,233,788 4.9%121 378 1.8% 818 858 4.9% 1,062,371 1,116,316 5.1%122 2 0.0% 818 858 4.9% 2,341 2,455 4.9%123 223 1.0% 818 858 4.9% 683,330 717,234 5.0%124 1 0.0% 818 858 4.9% 2,103 2,179 3.6%125 24 0.1% 818 858 4.9% 67,664 71,042 5.0%128 1 0.0% 818 858 4.9% 1,506 1,582 5.0%129 1 0.0% 818 858 4.9% 2,341 2,454 4.8%131 137 0.6% 818 858 4.9% 370,671 389,006 4.9%132 943 4.4% 1,013 1,062 4.9% 4,877,114 5,125,040 5.1%133 419 1.9% 853 895 4.9% 1,819,640 1,910,734 5.0%134 1,027 4.8% 884 927 4.9% 4,764,902 5,010,933 5.2%135 2,248 10.5% 1,013 1,062 4.9% 10,366,209 10,898,906 5.1%136 678 3.2% 1,013 1,062 4.9% 3,192,445 3,344,749 4.8%137 1,088 5.1% 884 927 4.9% 3,853,568 4,044,901 5.0%138 136 0.6% 853 895 4.9% 666,628 699,613 4.9%139 124 0.6% 738 774 4.9% 345,492 362,239 4.8%140 16 0.1% 1,013 1,062 4.9% 83,579 88,742 6.2%141 154 0.7% 1,013 1,062 4.9% 837,107 879,741 5.1%

Total 21,507 100.0% 81,959,496 86,088,843 5.0%

(2) = (1) / (1 Tot)(5) = (4) / (3) -1(6) Premium based on inforce policies at current rates(7) Premium based on re-rating of the inforce policies with proposed changes(8) = (7) / (6) -1

PennsylvaniaRate Level Effects By Territory

House & Vacation Forms

Total In-Force Book

Exhibit 14.1

Rate Effect RangeTotal

Locations % Distn

Average Dollar Impact

Total Locations % Distn












LT -5% 0 0.0% 0 0 0.0% 0 0 0.0% 0 0 0.0% 0 0 0.0% 0 0 0.0% 0 0 0.0% 0-5% to 0% 18 0.1% -86 1 0.1% -265 2 0.2% -67 1 0.0% -148 5 0.0% -57 7 0.2% -93 2 0.1% -330% to 5% 15,945 74.1% 173 1,215 81.4% 144 773 77.8% 170 2,149 77.2% 149 7,523 74.6% 192 3,193 69.1% 150 1,092 71.6% 1905% to 10% 5,418 25.2% 237 238 16.0% 203 217 21.8% 219 625 22.4% 196 2,531 25.1% 251 1,387 30.0% 231 420 27.5% 26510% to 20% 124 0.6% 727 37 2.5% 866 2 0.2% 1,137 9 0.3% 534 30 0.3% 620 34 0.7% 798 12 0.8% 44120% to 30% 0 0.0% 0 0 0.0% 0 0 0.0% 0 0 0.0% 0 0 0.0% 0 0 0.0% 0 0 0.0% 0

GT 30% 2 0.0% 204 1 0.1% 198 0 0.0% 0 0 0.0% 0 0 0.0% 0 1 0.0% 209 0 0.0% 0Total 21,507 100.0% 192 1,492 100.0% 171 994 100.0% 182 2,784 100.0% 160 10,089 100.0% 208 4,622 100.0% 179 1,526 100.0% 212

Max % Change (1) 58.9% (3) 39.4% (5) 14.2% (7) 16.7% (9) 18.9% (11) 58.9% (13) 14.7%Max $ Impact (2) 4,368 (4) 3,385 (6) 1,521 (8) 1,514 (10) 3,334 (12) 4,368 (14) 2,444

*Rate effects based on residence premium(1) $1.65M house, $2,500 deductible, $209 increase (8) $3.01M house, $5,000 deductible, 12.3% increase(2) $6.24M house, $5,000 deductible, 15.3% increase (9) $0.61M house, $5,000 deductible, $441 increase(3) $0.58M house, $500 deductible, $198 increase (10) $22.79M house, $10,000 deductible, 8.0% increase(4) $3.5M house, $10,000 deductible, 11.1% increase (11) $1.65M house, $2,500 deductible, $209 increase(5) $0.79M house, $1,000 deductible, $753 increase (12) $6.24M house, $5,000 deductible, 15.3% increase(6) $4.79M house, $5,000 deductible, 11.4% increase (13) $1.74M house, $5,000 deductible, $886 increase(7) $0.42M house, $2,500 deductible, $159 increase (14) $24.5M house, $5,000 deductible, 6.3% increase

PennsylvaniaRate Level Effects Histogram

Chubb IndemnityAll Companies Federal Vigilant Pacific Indemnity Great Northern Chubb National

Exhibit 15.1

Size of Risk $500 - $50,000 $50,000 - $100,000 $100,000 - $250,000 $250,000 - $500,000 $500,000 - $750,000 over $750,000$0 - $999,999 834,848,763 147,789,146 147,181,960 88,112,615 45,943,476 73,085,519

$1,000,000 - $2,499,999 943,011,116 223,855,342 238,167,654 156,762,488 85,873,976 283,757,341 $2,500,000 - $4,999,999 318,228,418 101,276,850 115,490,827 74,885,347 42,457,279 226,377,226 $5,000,000 - $7,499,999 74,882,903 27,455,478 33,639,919 24,364,496 12,567,963 79,241,947

$7,500,000 + 65,584,980 25,681,895 32,374,588 23,877,645 14,880,069 112,056,608

Size of Risk 50,000$ 100,000$ 250,000$ 500,000$ 750,000$ $0 - $999,999 62.4% 73.5% 84.5% 91.1% 94.5%

$1,000,000 - $2,499,999 48.8% 60.4% 72.7% 80.9% 85.3%$2,500,000 - $4,999,999 36.2% 47.7% 60.9% 69.4% 74.2%$5,000,000 - $7,499,999 29.7% 40.6% 53.9% 63.6% 68.6%

$7,500,000 + 23.9% 33.3% 45.0% 53.7% 59.2%

Size of Risk 50,000$ 100,000$ 250,000$ 500,000$ 750,000$ $0 - $999,999 62.5% 75.0% 85.0% 90.0% 95.0%

$1,000,000 - $2,499,999 47.5% 60.0% 72.5% 80.0% 85.0%$2,500,000 - $4,999,999 35.0% 47.5% 62.5% 70.0% 75.0%$5,000,000 - $7,499,999 30.0% 40.0% 55.0% 62.5% 65.0%

$7,500,000 + 25.0% 32.5% 47.5% 55.0% 57.5%

Size of Risk 50,000$ 100,000$ 250,000$ 500,000$ 750,000$ $0 - $999,999 0.461 0.353 0.267 0.224 0.181

$1,000,000 - $2,499,999 0.590 0.482 0.375 0.310 0.267 $2,500,000 - $4,999,999 0.698 0.590 0.461 0.396 0.353 $5,000,000 - $7,499,999 0.741 0.655 0.526 0.461 0.439

$7,500,000 + 0.784 0.720 0.590 0.526 0.504

Size of Risk 100,000$ 250,000$ 500,000$ 750,000$ $0 - $999,999 0.77 0.58 0.49 0.39

$1,000,000 - $2,499,999 0.82 0.63 0.53 0.45 $2,500,000 - $4,999,999 0.85 0.66 0.57 0.51 $5,000,000 - $7,499,999 0.88 0.71 0.62 0.59

$7,500,000 + 0.92 0.75 0.67 0.64

(1) Loss Elimination Ratio = { Losses between $500 and New Deductible } / { Total Losses above $500 }(2) Loss elimination ratios selected in order to smooth out results where data lacks credibility.(3) Large Deductible Factors over Standard Deductible

= { Permissible Loss Ratio * (1 - Loss Elimination Ratio) + Fixed Expenses } / { 1 - Variable Expenses - UW Profit }(4) Large Deductible Factors Relative to $50,000 = Large Deductible Factor (3) / Implied Deductible Factor at $50,000

CHUBBLarge Deductible Factors by Size of Risk

based on 5 years of Countrywide Loss and ALAE as of 06/30/2016

Ground up Loss by Layer

Loss Elimination Ratios over $500 Standard Deductible (1)

Selected Loss Elimination Ratios over $500 Standard Deductible (2)

Large Deductible Factors over $500 Standard Deductible (3)

Large Deductible Factors Relative to $50,000 Deductible (4)

Exhibit 15.2

Size of RiskCurrent $50,000

Deductible FactorsImplied $100,000

Deductible Factors Implied $250,000

Deductible Factors Implied $500,000 Deductible Factors

Implied $750,000 Deductible Factors

$15,000 0.400 0.308 0.232 0.196 0.156$50,000 0.400 0.308 0.232 0.196 0.156

$500,000 0.400 0.308 0.232 0.196 0.156$1,000,000 0.400 0.328 0.252 0.212 0.180$2,500,000 0.425 0.361 0.281 0.242 0.217$5,000,000 0.450 0.396 0.320 0.279 0.266$7,500,000 0.564 0.519 0.423 0.378 0.361

Size of Risk $100,000 $250,000 $500,000 $750,000$15,000 0.300 0.225 0.175 0.150$50,000 0.300 0.225 0.175 0.150

$500,000 0.300 0.225 0.175 0.150$1,000,000 0.330 0.250 0.200 0.175$2,500,000 0.375 0.300 0.250 0.215$5,000,000 0.400 0.350 0.300 0.260$7,500,000 0.500 0.450 0.400 0.350

(5) Implied Large Deductible Factors = Large Deductible Factors Relative to $50,000 (4)* Current Deductible Factor at $50,000

Selected Large Deductible Factors (House and R/C/C)

$2,500,000 - $4,999,999$5,000,000 - $7,499,999

$7,500,000 +



Size of Risk Range$0 - $999,999

Implied Large Deductible Factors (5)

$0 - $999,999$0 - $999,999

$1,000,000 - $2,499,999

Exhibits 2.4-2.6

House & Vacation HomeEarned House Years 114,960 Credibility Standard 40,000 Credibility [√(EHY/Cred Std)] 100.0%

R/C/CEarned House Years 27,330 Credibility Standard 20,000 Credibility [√(EHY/Cred Std)] 100.0%

City HomeEarned House Years 2,218 Credibility Standard 20,000 Credibility [√(EHY/Cred Std)] 33.3%

The Complement of Credibility for the statewide indication is the trended expected lossand LAE ratio less the Modeled Cat Loss & LAE ratio

House & Vacation Home, R/C/C Fully Credible

City Home(1) Expected Loss & LAE ratio: 59.8%(2) Annual Net Projection Trend: 0.1%(3) Projection Window (years) 2.80(4) Trended Expected Loss & LAE ratio = (1) * [1+(2)]^(3): 60.0%(5) Modeled Catastrophe Loss & ALAE Ratio: 3.7%(6) ULAE 1.061

CHUBBPennsylvania HomeownersCalculation of Credibility

Calculation of Complement of Credibility

CHUBB Exhibit 3.1Pennsylvania HomeownersForm Indication = HouseCompanies = AllTerritory = AllEvaluated as of 03/2016

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

=[(6)+(7)] =(10)/(4) =(11)+(12)* (8) * (9)

Fiscal / Onlevel Ex-cat Expected Loss Loss Ratio Ultimate Ex-cat Ult. Ex-cat Adj. Cat Loss/ Ult. Adj. AccidentAccident Written Earned Onlevel Earned Reported Capped Excess Development Trend Adjusted Loss/ALAE ALAE Loss/ALAE Year

Year Premium Premium Factors Premium Loss/ALAE Loss/ALAE Shock Loss Factors Factors Loss/ALAE Ratio Ratio Ratio Weights2011 70,008,391 70,284,778 1.247 87,640,640 56,252,661 32,549,016 11,250,991 0.996 1.023 44,658,514 51.0% 13.0% 63.9% 10.0%2012 71,773,949 70,937,427 1.220 86,533,410 45,415,740 22,171,703 11,487,212 0.993 1.008 33,716,928 39.0% 13.0% 51.9% 15.0%2013 75,865,104 73,705,369 1.163 85,683,903 28,621,269 19,509,224 12,018,234 0.996 1.002 31,455,634 36.7% 13.3% 50.0% 20.0%2014 80,487,770 78,072,453 1.074 83,850,231 70,429,277 32,806,514 12,522,685 1.003 1.000 45,462,599 54.2% 13.8% 68.0% 25.0%2015 79,916,940 80,125,134 1.030 82,514,941 39,612,301 24,795,541 12,870,372 1.042 1.004 39,396,860 47.7% 14.2% 61.9% 30.0%










(24) Credibility Weighted Loss & LAE + Modeled Cat Loss & LAE ratio + Fixed E=(15)*(17)*(22)+(23)*(1-(22))+(16)*(17)+(18) 74.8%


CHUBB Exhibit 3.2Pennsylvania HomeownersForm Indication = RCCCompanies = AllTerritory = AllEvaluated as of 03/2016

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

=[(6)+(7)] =(10)/(4) =(11)+(12)* (8) * (9)


Year Premium Premium Factors Premium Loss/ALAE Loss/ALAE Shock Loss Factors Factors Loss/ALAE Ratio Ratio Ratio Weights2011 6,775,184 6,707,348 0.977 6,550,070 3,424,713 2,695,907 275,879 0.994 1.329 3,925,255 59.9% 2.2% 62.1% 10.0%2012 6,663,166 6,724,855 0.978 6,579,160 2,924,981 2,496,355 279,484 0.991 1.272 3,498,659 53.2% 2.2% 55.4% 15.0%2013 6,788,859 6,721,154 0.980 6,584,028 1,906,925 1,882,274 291,127 0.986 1.223 2,619,243 39.8% 2.3% 42.1% 20.0%2014 6,646,971 6,736,619 0.979 6,595,735 5,340,824 3,674,944 302,685 0.980 1.186 4,624,624 70.1% 2.4% 72.5% 25.0%2015 6,768,602 6,678,077 0.979 6,537,912 3,236,322 2,670,925 311,990 1.039 1.157 3,583,494 54.8% 2.6% 57.4% 30.0%










(24) Credibility Weighted Loss & LAE + Modeled Cat Loss & LAE ratio + =(15)*(17)*(22)+(23)*(1-(22))+(16)*(17)+(18) 72.4%


CHUBB Exhibit 3.3Pennsylvania HomeownersForm Indication = City HomeCompanies = AllTerritory = AllEvaluated as of 03/2016

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

=[(6)+(7)] =(10)/(4) =(11)+(12)* (8) * (9)


Year Premium Premium Factors Premium Loss/ALAE Loss/ALAE Shock Loss Factors Factors Loss/ALAE Ratio Ratio Ratio Weights2011 1,728,986 1,699,130 1.002 1,703,050 512,395 358,948 0 0.995 1.023 365,553 21.5% 2.9% 24.4% 10.0%2012 1,760,718 1,748,741 1.001 1,750,014 350,525 312,305 0 0.990 1.008 311,881 17.8% 2.9% 20.7% 15.0%2013 1,803,218 1,763,816 1.002 1,767,291 593,780 593,780 0 0.994 1.002 591,572 33.5% 2.9% 36.4% 20.0%2014 1,833,411 1,795,463 1.002 1,799,002 3,072,475 2,925,801 0 1.014 1.000 2,968,096 165.0% 3.0% 168.0% 25.0%2015 1,913,913 1,865,250 1.002 1,868,991 352,045 341,626 0 1.095 1.004 375,634 20.1% 3.0% 23.1% 30.0%









(23) Complement of Credibility Loss and LAE ratio 56.0%

(24) Credibility Weighted Loss & LAE + Modeled Cat Loss & LAE ratio + =(15)*(17)*(22)+(23)*(1-(22))+(16)*(17)+(18) 72.8%


CHUBB Exhibit 3.4Pennsylvania HomeownersForm Indication = AllCompanies = AllTerritory = AllEvaluated as of 09/2014

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

=[(6)+(7)] =(10)/(4) =(11)+(12)* (8) * (9)


Year Premium Premium Factors Premium Loss/ALAE Loss/ALAE Shock Loss Factors Factors Loss/ALAE Ratio Ratio Ratio Weights2011 78,512,562 78,691,256 1.219 95,893,761 60,189,769 35,603,871 11,526,869 0.996 1.041 48,853,074 50.9% 12.2% 63.1% 10.0%2012 80,197,833 79,411,023 1.195 94,862,584 48,691,247 24,980,363 11,766,696 0.993 1.024 37,357,409 39.4% 12.1% 51.5% 15.0%2013 84,457,181 82,190,339 1.144 94,035,223 31,121,974 21,985,279 12,309,361 0.995 1.015 34,634,636 36.8% 12.4% 49.3% 20.0%2014 88,968,152 86,604,535 1.065 92,244,968 78,842,576 39,407,259 12,825,370 1.002 1.012 52,922,382 57.4% 12.9% 70.2% 25.0%2015 88,599,454 88,668,460 1.025 90,921,844 43,200,668 27,808,092 13,182,363 1.042 1.014 43,302,026 47.6% 13.2% 60.8% 30.0%










(24) Credibility Weighted Loss & LAE + Modeled Cat Loss & LAE ratio + Fixed =(15)*(17)*(22)+(23)*(1-(22))+(16)*(17)+(18) 74.7%


Exhibit 4.1

Mid-Atlantic ZoneHome and Vacation




2006 0.999 0.998 1.001 0.999 1.0002007 0.997 1.001 0.999 1.000 1.0012008 0.992 0.994 0.982 1.002 0.9972009 1.028 1.001 0.998 0.989 0.9992010 1.040 1.011 0.999 0.999 1.0002011 1.026 0.995 1.006 0.9972012 1.034 0.984 1.0142013 1.044 1.0162014 1.042


3 Point 1.040 0.998 1.006 0.998 0.991 1.000 0.999 1.000 1.000Average 1.039 1.004 1.004 0.997 0.994 1.000 0.999 1.000 1.000



Exhibit 4.2

Mid-Atlantic ZoneRenter/Condo/Co-op




2006 0.998 0.997 0.998 1.001 1.0002007 0.994 0.989 0.999 0.993 0.9972008 1.000 0.997 0.986 0.996 1.0002009 1.018 0.994 0.995 1.002 0.9942010 1.072 0.948 1.010 1.000 0.9952011 1.105 0.990 0.990 1.0012012 1.046 0.980 0.9902013 1.000 1.0142014 1.061


3 Point 1.035 0.995 0.996 0.999 0.994 0.997 0.997 0.999 1.000Average 1.050 0.993 0.996 0.998 0.994 0.998 0.998 0.999 1.000



Exhibit 4.3Mid-Atlantic Zone

City HomesAll Causes

Non-cat Reported Losses and ALAE March 31st 2016Loss Development - Mold Capped


2006 1.012 0.998 0.996 0.986 1.0002007 1.002 1.000 1.008 1.012 0.9782008 1.035 0.975 0.980 0.992 1.0002009 1.025 0.991 0.997 1.005 1.0082010 1.040 1.011 0.956 1.015 0.9802011 1.123 1.025 0.985 0.9872012 1.023 1.121 1.0822013 1.256 0.9662014 1.076


3 Point 1.118 1.037 1.008 0.999 0.988 1.003 1.003 0.982 1.000Average 1.101 1.029 1.007 0.997 0.993 1.001 1.002 0.988 1.000



CHUBB Exhibit 5.1US Homeowners

Calculation of Size of Risk Trend

State = PA

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

Form = HouseAverage Average Trend from Combined


2011 23,736 26,422,680 1,113,194 8.2328 1.187 23,445 26,354,838 1,124,106 1.164 1.3812012 23,362 26,965,178 1,154,220 8.4826 1.152 23,320 27,252,478 1,168,608 1.164 1.3412013 23,215 28,119,951 1,211,308 8.8301 1.106 23,041 28,566,133 1,239,776 1.164 1.2882014 22,701 29,161,460 1,284,608 9.2763 1.053 22,353 29,366,626 1,313,777 1.164 1.2262015 21,968 29,997,886 1,365,535 9.7689 1.000 21,781 30,548,338 1,402,515 1.164 1.164

Fitted Annual Change (exponential) in Written SOR Exposure: 5.8%Prospective Annual Change in SOR adj for inflation guard changes: 6.8%


Proj Ave SOR (annual change applied to latest ave earned SOR): 1,628,852Proj Ave SOR Factor: 11.372


Form = RCC(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

Average Average Trend from CombinedEarned Earned Earned SOR Average Earned Trend to Written Written Written SOR 7/1/2015 Trend

Cal Year House-Years Ins-Years (000) @ 7/1/XX SOR Factor 7/1/2015 House-Years Ins-Years (000) @ 7/1/XX to 4/17/2018 Factors2011 5,410 1,814,839 335,452 8.8647 1.117 5,423 1,209,013 222,935 1.028 1.1472012 5,416 1,838,580 339,483 8.9687 1.104 5,470 1,194,441 218,363 1.028 1.1342013 5,520 1,915,189 346,971 9.1618 1.080 5,549 1,231,902 222,020 1.028 1.1102014 5,524 1,991,147 360,481 9.5104 1.041 5,456 1,220,676 223,717 1.028 1.0702015 5,468 2,053,181 375,498 9.8978 1.000 5,541 1,281,133 231,215 1.028 1.028

Fitted Annual Change (exponential) in Written SOR Exposure: 1.0%Prospective Annual Change in SOR adj for inflation guard changes: 1.1%


Proj Ave SOR (annual change applied to latest ave earned SOR): 386,106Proj Ave SOR Factor: 10.172


(4) = (3) / (2) * 1,000(5) = SOR factor associated with (4); from SOR curve table for this state(6) = Latest Year (5) / (5)(9) = (8) / (7) * 1,000Exponential fit is applied to written data which is more recent.(10) = (Proj Ave Factor) / (Latest Year Earned Ave Factor)(10) = (Prospective Annual Change in Premium adj for Inflation) ^ Projection Period in Years(11) = (6) * (10)

CHUBB Exhibit 5.2US Homeowners

Calculation of Premium Trend for Shifting Deductibles

State = PA

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)

Form = House*Adjusted Average Adjusted Average Trend from Combined


2011 23,736 70,284,778 88,107,876 0.798 0.954 23,445 70,008,391 87,938,359 0.796 0.972 0.9282012 23,362 70,937,427 89,704,994 0.791 0.962 23,320 71,773,949 90,980,483 0.789 0.972 0.9362013 23,215 73,705,372 94,266,131 0.782 0.973 23,041 75,865,104 97,556,243 0.778 0.972 0.9462014 22,701 78,076,488 101,329,505 0.771 0.988 22,353 80,495,449 104,915,841 0.767 0.972 0.9602015 21,968 80,214,728 105,396,630 0.761 1.000 21,781 80,343,858 105,934,661 0.758 0.972 0.972



Form = RCCAdjusted Average Adjusted Average Trend from Combined


2011 5,410 6,707,348 7,894,791 0.850 0.959 5,423 6,775,184 8,002,703 0.847 0.972 0.9322012 5,416 6,724,855 7,943,204 0.847 0.962 5,470 6,663,166 7,851,629 0.849 0.972 0.9362013 5,520 6,721,154 8,006,707 0.839 0.971 5,549 6,788,859 8,140,981 0.834 0.972 0.9442014 5,524 6,736,383 8,155,544 0.826 0.986 5,456 6,646,001 8,090,283 0.821 0.972 0.9592015 5,468 6,684,653 8,204,420 0.815 1.000 5,541 6,810,995 8,407,698 0.810 0.972 0.972



(5) = (3) / (4)(6) = Latest Year (5) / (5)(10) = (8) / (9)(11) = (Proj Ave Factor) / (Latest Year Earned Ave Factor)(12) = (6) * (11)

CHUBB Exhibit 5.3US HomeownersPremium Trend Summary

State = PA

Form = HouseEarned SOR SOR SOR Deductible Deductible Deductible Premium Premium Premium



Form = RCCEarned SOR SOR SOR Deductible Deductible Deductible Premium Premium Premium



Form = House & RCCEarned SOR SOR SOR Deductible Deductible Deductible Premium Premium Premium



Exhibit 5.4



31-Mar-06 12,340 --30-Jun-06 12,325 --30-Sep-06 11,767 --31-Dec-06 11,534 --31-Mar-07 12,143 -1.6%30-Jun-07 11,842 -3.9%30-Sep-07 11,899 1.1%31-Dec-07 12,395 7.5%31-Mar-08 12,180 0.3%30-Jun-08 12,757 7.7%30-Sep-08 13,147 10.5%31-Dec-08 12,420 0.2%31-Mar-09 13,230 8.6%30-Jun-09 14,376 12.7%30-Sep-09 16,452 25.1%31-Dec-09 17,849 43.7%31-Mar-10 17,847 34.9%30-Jun-10 16,803 16.9%30-Sep-10 16,994 3.3%31-Dec-10 16,990 -4.8%31-Mar-11 17,686 -0.9%30-Jun-11 18,025 7.3%30-Sep-11 17,313 1.9%31-Dec-11 17,204 1.3%31-Mar-12 16,392 -7.3%30-Jun-12 16,998 -5.7%30-Sep-12 16,705 -3.5%31-Dec-12 17,385 1.0%31-Mar-13 18,568 13.3%

CHUBBHOMEOWNERS SEVERITY TRENDS

PAHOUSE & VACATION

Cause of Loss = ALLEx Cat, With Mold Contracts

Exhibit 5.5



31-Mar-06 7.4328 --30-Jun-06 7.2969 --30-Sep-06 7.7295 --31-Dec-06 8.0716 --31-Mar-07 8.1185 9.2%30-Jun-07 8.3179 14.0%30-Sep-07 8.1263 5.1%31-Dec-07 8.1384 0.8%31-Mar-08 8.5721 5.6%30-Jun-08 8.5383 2.6%30-Sep-08 8.1617 0.4%31-Dec-08 7.6229 -6.3%31-Mar-09 7.5446 -12.0%30-Jun-09 7.6781 -10.1%30-Sep-09 8.1476 -0.2%31-Dec-09 8.5992 12.8%31-Mar-10 8.6910 15.2%30-Jun-10 9.3847 22.2%30-Sep-10 9.3438 14.7%31-Dec-10 9.3547 8.8%31-Mar-11 9.3577 7.7%30-Jun-11 9.1742 -2.2%30-Sep-11 9.6494 3.3%31-Dec-11 10.1618 8.6%31-Mar-12 9.7682 4.4%30-Jun-12 8.9153 -2.8%30-Sep-12 8.0877 -16.2%31-Dec-12 7.0755 -30.4%31-Mar-13 6.7097 -31.3%

CHUBBHOMEOWNERS FREQUENCY TRENDS

PAHOUSE & VACATION


Exhibit 5.6



31-Mar-06 15,898 --30-Jun-06 16,362 --30-Sep-06 17,025 --31-Dec-06 17,094 --31-Mar-07 17,509 10.1%30-Jun-07 17,673 8.0%30-Sep-07 17,435 2.4%31-Dec-07 17,698 3.5%31-Mar-08 17,713 1.2%30-Jun-08 17,232 -2.5%30-Sep-08 17,628 1.1%31-Dec-08 17,548 -0.8%31-Mar-09 18,909 6.8%30-Jun-09 20,590 19.5%30-Sep-09 20,681 17.3%31-Dec-09 21,590 23.0%31-Mar-10 20,025 5.9%30-Jun-10 19,482 -5.4%30-Sep-10 20,822 0.7%31-Dec-10 20,955 -2.9%31-Mar-11 21,673 8.2%30-Jun-11 21,158 8.6%30-Sep-11 21,313 2.4%31-Dec-11 21,940 4.7%31-Mar-12 22,684 4.7%30-Jun-12 23,640 11.7%30-Sep-12 24,164 13.4%31-Dec-12 24,308 10.8%31-Mar-13 25,047 10.4%


Mid-Atlantic ZoneHOUSE & VACATION


Exhibit 5.7



31-Mar-06 6.3541 --30-Jun-06 6.2405 --30-Sep-06 6.3387 --31-Dec-06 6.4759 --31-Mar-07 6.4725 1.9%30-Jun-07 6.6968 7.3%30-Sep-07 6.6623 5.1%31-Dec-07 6.9521 7.4%31-Mar-08 7.3122 13.0%30-Jun-08 7.0916 5.9%30-Sep-08 6.8622 3.0%31-Dec-08 6.2358 -10.3%31-Mar-09 6.1566 -15.8%30-Jun-09 6.1983 -12.6%30-Sep-09 6.4801 -5.6%31-Dec-09 6.6242 6.2%31-Mar-10 6.5210 5.9%30-Jun-10 6.8597 10.7%30-Sep-10 6.6734 3.0%31-Dec-10 6.6748 0.8%31-Mar-11 6.8427 4.9%30-Jun-11 6.8891 0.4%30-Sep-11 7.0163 5.1%31-Dec-11 7.3971 10.8%31-Mar-12 6.8389 -0.1%30-Jun-12 6.2073 -9.9%30-Sep-12 5.7537 -18.0%31-Dec-12 5.1366 -30.6%31-Mar-13 5.1543 -24.6%


Mid-Atlantic ZoneHOUSE & VACATION


Exhibit 5.8



31-Mar-06 16,194 --30-Jun-06 16,511 --30-Sep-06 17,419 --31-Dec-06 17,607 --31-Mar-07 18,349 13.3%30-Jun-07 19,176 16.1%30-Sep-07 19,084 9.6%31-Dec-07 19,459 10.5%31-Mar-08 19,337 5.4%30-Jun-08 18,621 -2.9%30-Sep-08 19,108 0.1%31-Dec-08 19,825 1.9%31-Mar-09 21,142 9.3%30-Jun-09 22,670 21.7%30-Sep-09 23,296 21.9%31-Dec-09 23,952 20.8%31-Mar-10 23,433 10.8%30-Jun-10 23,177 2.2%30-Sep-10 23,782 2.1%31-Dec-10 24,306 1.5%31-Mar-11 25,066 7.0%30-Jun-11 25,335 9.3%30-Sep-11 25,966 9.2%31-Dec-11 26,258 8.0%31-Mar-12 26,300 4.9%30-Jun-12 26,917 6.2%30-Sep-12 27,134 4.5%31-Dec-12 26,916 2.5%31-Mar-13 27,517 4.6%


US TOTAL Excluding TXHOUSE & VACATION


Exhibit 5.9



31-Mar-06 5.9842 --30-Jun-06 5.8999 --30-Sep-06 5.9190 --31-Dec-06 5.8964 --31-Mar-07 5.9206 -1.1%30-Jun-07 6.0180 2.0%30-Sep-07 5.9131 -0.1%31-Dec-07 6.1064 3.6%31-Mar-08 6.3199 6.7%30-Jun-08 6.2571 4.0%30-Sep-08 6.2258 5.3%31-Dec-08 5.8972 -3.4%31-Mar-09 5.9537 -5.8%30-Jun-09 5.9393 -5.1%30-Sep-09 5.9923 -3.8%31-Dec-09 6.0492 2.6%31-Mar-10 5.8398 -1.9%30-Jun-10 5.9812 0.7%30-Sep-10 5.8737 -2.0%31-Dec-10 5.8332 -3.6%31-Mar-11 6.0034 2.8%30-Jun-11 6.2203 4.0%30-Sep-11 6.3044 7.3%31-Dec-11 6.4985 11.4%31-Mar-12 5.9665 -0.6%30-Jun-12 5.3604 -13.8%30-Sep-12 5.0327 -20.2%31-Dec-12 4.6223 -28.9%31-Mar-13 4.6866 -21.5%


US TOTAL Excluding TXHOUSE & VACATION


Exhibit 5.10



31-Mar-06 9,692 --30-Jun-06 8,412 --30-Sep-06 8,778 --31-Dec-06 10,211 --31-Mar-07 9,197 -5.1%30-Jun-07 8,849 5.2%30-Sep-07 8,658 -1.4%31-Dec-07 8,792 -13.9%31-Mar-08 10,788 17.3%30-Jun-08 11,104 25.5%30-Sep-08 12,537 44.8%31-Dec-08 11,826 34.5%31-Mar-09 9,621 -10.8%30-Jun-09 9,629 -13.3%30-Sep-09 13,957 11.3%31-Dec-09 13,260 12.1%31-Mar-10 14,915 55.0%30-Jun-10 15,672 62.8%30-Sep-10 10,394 -25.5%31-Dec-10 10,881 -17.9%31-Mar-11 8,623 -42.2%30-Jun-11 9,383 -40.1%30-Sep-11 10,980 5.6%31-Dec-11 10,730 -1.4%31-Mar-12 11,664 35.3%30-Jun-12 10,802 15.1%30-Sep-12 10,705 -2.5%31-Dec-12 10,407 -3.0%31-Mar-13 9,490 -18.6%


PAC/C RENTER


Exhibit 5.11



31-Mar-06 5.3975 --30-Jun-06 5.8761 --30-Sep-06 5.6403 --31-Dec-06 5.8563 --31-Mar-07 5.8572 8.5%30-Jun-07 5.5046 -6.3%30-Sep-07 5.0402 -10.6%31-Dec-07 3.9669 -32.3%31-Mar-08 3.7285 -36.3%30-Jun-08 3.8613 -29.9%30-Sep-08 4.0184 -20.3%31-Dec-08 4.8252 21.6%31-Mar-09 5.2054 39.6%30-Jun-09 5.1933 34.5%30-Sep-09 5.6292 40.1%31-Dec-09 6.0056 24.5%31-Mar-10 5.9321 14.0%30-Jun-10 5.7114 10.0%30-Sep-10 5.0898 -9.6%31-Dec-10 4.7365 -21.1%31-Mar-11 4.4297 -25.3%30-Jun-11 4.6395 -18.8%30-Sep-11 5.1201 0.6%31-Dec-11 5.7670 21.8%31-Mar-12 5.9335 33.9%30-Jun-12 5.9338 27.9%30-Sep-12 5.7087 11.5%31-Dec-12 4.9115 -14.8%31-Mar-13 4.8739 -17.9%


PAC/C RENTER


Exhibit 5.12



31-Mar-06 15,014 --30-Jun-06 14,868 --30-Sep-06 16,430 --31-Dec-06 16,794 --31-Mar-07 16,542 10.2%30-Jun-07 16,770 12.8%30-Sep-07 15,960 -2.9%31-Dec-07 16,241 -3.3%31-Mar-08 17,745 7.3%30-Jun-08 17,583 4.8%30-Sep-08 17,570 10.1%31-Dec-08 17,155 5.6%31-Mar-09 16,839 -5.1%30-Jun-09 17,288 -1.7%30-Sep-09 18,601 5.9%31-Dec-09 18,915 10.3%31-Mar-10 19,256 14.4%30-Jun-10 19,034 10.1%30-Sep-10 18,562 -0.2%31-Dec-10 18,842 -0.4%31-Mar-11 19,761 2.6%30-Jun-11 20,365 7.0%30-Sep-11 21,044 13.4%31-Dec-11 21,345 13.3%31-Mar-12 20,778 5.1%30-Jun-12 21,902 7.5%30-Sep-12 22,576 7.3%31-Dec-12 22,697 6.3%31-Mar-13 24,703 18.9%


Mid-Atlantic ZoneC/C RENTER


Exhibit 5.13



31-Mar-06 5.3572 --30-Jun-06 5.3183 --30-Sep-06 5.4386 --31-Dec-06 5.4742 --31-Mar-07 5.3815 0.5%30-Jun-07 5.3396 0.4%30-Sep-07 5.0130 -7.8%31-Dec-07 4.1134 -24.9%31-Mar-08 3.8051 -29.3%30-Jun-08 3.7962 -28.9%30-Sep-08 3.9192 -21.8%31-Dec-08 4.6629 13.4%31-Mar-09 5.2680 38.4%30-Jun-09 5.3094 39.9%30-Sep-09 5.4054 37.9%31-Dec-09 5.4277 16.4%31-Mar-10 5.2589 -0.2%30-Jun-10 5.2647 -0.8%30-Sep-10 5.1867 -4.0%31-Dec-10 5.2364 -3.5%31-Mar-11 5.2519 -0.1%30-Jun-11 5.1838 -1.5%30-Sep-11 5.3238 2.6%31-Dec-11 5.5019 5.1%31-Mar-12 5.4061 2.9%30-Jun-12 5.4696 5.5%30-Sep-12 5.2751 -0.9%31-Dec-12 4.9420 -10.2%31-Mar-13 5.0498 -6.6%


Mid-Atlantic ZoneC/C RENTER


Exhibit 5.14



31-Mar-06 13,289 --30-Jun-06 13,138 --30-Sep-06 14,429 --31-Dec-06 14,816 --31-Mar-07 15,122 13.8%30-Jun-07 15,667 19.3%30-Sep-07 15,087 4.6%31-Dec-07 15,342 3.5%31-Mar-08 16,582 9.7%30-Jun-08 16,426 4.8%30-Sep-08 16,349 8.4%31-Dec-08 16,641 8.5%31-Mar-09 16,510 -0.4%30-Jun-09 16,892 2.8%30-Sep-09 17,925 9.6%31-Dec-09 17,459 4.9%31-Mar-10 17,950 8.7%30-Jun-10 18,039 6.8%30-Sep-10 17,816 -0.6%31-Dec-10 18,606 6.6%31-Mar-11 18,881 5.2%30-Jun-11 19,378 7.4%30-Sep-11 19,742 10.8%31-Dec-11 19,772 6.3%31-Mar-12 19,365 2.6%30-Jun-12 20,222 4.4%30-Sep-12 21,143 7.1%31-Dec-12 21,382 8.1%31-Mar-13 22,973 18.6%


US TOTAL Excluding TXC/C RENTER


Exhibit 5.15



31-Mar-06 4.9777 --30-Jun-06 5.0157 --30-Sep-06 5.0833 --31-Dec-06 5.1005 --31-Mar-07 4.8854 -1.9%30-Jun-07 4.6696 -6.9%30-Sep-07 4.3697 -14.0%31-Dec-07 3.5977 -29.5%31-Mar-08 3.2925 -32.6%30-Jun-08 3.3213 -28.9%30-Sep-08 3.4029 -22.1%31-Dec-08 4.0651 13.0%31-Mar-09 4.5855 39.3%30-Jun-09 4.6031 38.6%30-Sep-09 4.7198 38.7%31-Dec-09 4.7069 15.8%31-Mar-10 4.5796 -0.1%30-Jun-10 4.5442 -1.3%30-Sep-10 4.4703 -5.3%31-Dec-10 4.5228 -3.9%31-Mar-11 4.4929 -1.9%30-Jun-11 4.4950 -1.1%30-Sep-11 4.5844 2.6%31-Dec-11 4.6767 3.4%31-Mar-12 4.6025 2.4%30-Jun-12 4.5809 1.9%30-Sep-12 4.4094 -3.8%31-Dec-12 4.1686 -10.9%31-Mar-13 4.2241 -8.2%


US TOTAL Excluding TXC/C RENTER


Exhibit 5.17CHUBBPennsylvania HomeownersForm Indication = House & Vacation Home, City HomeCompanies = AllTerritory = AllEvaluated as of 03/2016


(1) (2) (3) (4) (5) Calendar / Loss

Accident Frequency Severity Premium RatioYear Trend** Trend* Trend Trend2011 0.758 1.732 1.282 1.0232012 0.789 1.603 1.255 1.0082013 0.822 1.485 1.218 1.0022014 0.856 1.375 1.177 1.0002015 0.892 1.273 1.131 1.004





(1) (2) (3) (4) (5) Calendar / Loss

Accident Frequency Severity Premium RatioYear Trend** Trend* Trend Trend2011 0.842 1.688 1.282 1.1082012 0.863 1.563 1.255 1.0752013 0.886 1.447 1.218 1.0522014 0.908 1.340 1.177 1.0342015 0.932 1.240 1.131 1.022


Net Projection Trend(6) Loss Trend 5.3%(7) Premium Trend 0.0%(8) Annual Projection Trend = (1+(6)) / (1+ (7)) -1 5.3%

Ex

(A) (B) (C) (D) (E) (F) (G)Calendar/ EarnedAccident Insurance Non-Cat Catastrophe Earned Insurance Year Cat Factor

Year Years (000's) Losses Losses 1-Yr 5-Yr 10-Yr 15-Yr(EIY) (C) / (A)

1986 - 5,744,133 - 1987 - 5,452,789 - 1988 - 7,635,473 10,615 1989 - 12,345,933 1,188,281 1990 - 11,452,592 130,906 1991 7,325,722 14,923,314 129,745 1.8%1992 7,791,935 13,193,907 2,418,328 31.0%1993 8,300,601 13,781,389 1,953,186 23.5%1994 8,685,332 15,964,306 13,318,816 153.3%1995 9,160,967 13,879,650 532,516 5.8% 44.5%1996 9,902,801 24,877,685 10,342,648 104.4% 65.2%1997 10,962,969 16,627,926 460,117 4.2% 56.6%1998 12,277,944 15,111,265 6,498,141 52.9% 61.1%1999 13,548,245 19,273,331 1,707,137 12.6% 35.0%2000 14,945,948 27,930,904 1,580,028 10.6% 33.4% 37.8%2001 16,822,360 33,664,167 280,529 1.7% 15.4% 34.8%2002 18,707,855 29,994,673 1,889,910 10.1% 15.7% 31.3%2003 20,494,675 27,767,787 6,946,966 33.9% 14.7% 32.1%2004 22,070,856 31,764,483 1,827,004 8.3% 13.5% 21.5%2005 23,342,801 25,130,435 1,475,636 6.3% 12.2% 20.2% 25.1%2006 24,834,938 29,761,132 3,776,574 15.2% 14.5% 14.9% 24.8%2007 26,184,076 31,437,640 5,304,935 20.3% 16.5% 16.2% 24.1%2008 26,890,588 38,922,329 1,242,680 4.6% 11.0% 12.5% 22.1%2009 26,925,378 43,798,623 3,028,004 11.2% 11.6% 12.4% 16.9%2010 26,540,169 42,190,309 28,958,129 109.1% 32.2% 23.5% 25.6%2011 26,422,680 36,043,882 4,155,080 15.7% 32.1% 24.2% 22.2%2012 26,965,178 28,456,402 1,519,693 5.6% 29.1% 23.2% 21.5%2013 28,119,951 27,554,042 1,128,193 4.0% 28.7% 20.3% 18.9%2014 29,161,460 48,020,380 22,409,035 76.8% 42.4% 27.5% 23.9%2015 29,997,886 30,817,891 8,913,664 29.7% 27.1% 29.6% 24.9%

All Years Weighted Average:

CHUBBPA


Historical Data: House & Vacation Homes

Ex

(A) (B) (C) (D) (E) (F) (G)Calendar/ Trended Earned Trended TrendedAccident Insurance Non-Cat Catastrophe Earned Insurance Year Cat Factor


1986 - 96,322,170 - 1987 - 83,678,545 - 1988 - 107,232,153 138,430 1989 - 158,674,322 14,216,814 1990 - 134,703,903 1,436,866 1991 34,917,861 160,633,205 1,306,534 3.7%1992 35,037,785 129,968,205 22,341,836 63.8%1993 35,212,349 124,236,826 16,554,679 47.0%1994 34,758,899 131,704,634 103,565,778 298.0%1995 34,587,171 104,790,806 3,798,891 11.0% 84.6%1996 35,271,663 171,889,080 67,690,761 191.9% 122.4%1997 36,837,502 105,140,505 2,762,736 7.5% 110.0%1998 38,920,801 87,443,283 35,795,942 92.0% 118.4%1999 40,516,630 102,064,818 8,627,531 21.3% 63.8%2000 42,166,531 135,362,365 7,325,823 17.4% 63.1% 73.3%2001 44,773,954 149,305,040 1,193,282 2.7% 27.4% 71.3%2002 46,973,906 121,743,108 7,375,302 15.7% 28.3% 65.3%2003 48,547,608 103,141,911 24,871,807 51.2% 22.2% 65.2%2004 49,321,937 107,976,526 6,001,021 12.2% 20.2% 39.6%2005 49,211,663 78,177,400 4,446,706 9.0% 18.4% 38.4% 51.7%2006 49,393,783 84,727,485 10,440,725 21.1% 21.8% 24.4% 51.9%2007 49,129,302 81,906,518 13,455,079 27.4% 24.1% 26.0% 49.4%2008 47,598,994 92,802,783 2,891,605 6.1% 15.2% 18.5% 46.3%2009 44,962,807 95,568,835 6,464,123 14.4% 15.7% 17.9% 30.9%2010 41,810,892 84,248,504 56,714,902 135.6% 38.6% 28.4% 38.5%2011 39,269,624 65,868,035 7,465,855 19.0% 39.0% 30.1% 29.3%2012 37,807,443 47,590,119 2,505,126 6.6% 36.0% 29.6% 29.2%2013 37,194,841 42,171,182 1,706,203 4.6% 37.2% 25.1% 24.1%2014 36,389,120 67,258,891 31,091,656 85.4% 51.7% 31.7% 27.7%2015 35,314,013 39,502,145 11,346,200 32.1% 29.1% 34.4% 28.6%


CHUBBPA


Trended Data: House & Vacation Homes

Ex



1986 - 552,252 - 1987 - 412,844 - 1988 - 697,184 - 1989 - 805,795 112 1990 - 969,188 - 1991 - 1,496,191 1,202 1992 - 1,158,439 68,653 1993 - 1,060,345 22,533 1994 - 2,355,345 377,481 1995 - 987,209 6,207 1996 626,904 1,436,172 90,771 14.5%1997 693,393 2,099,422 27,393 4.0%1998 759,523 1,151,088 34,164 4.5%1999 800,224 1,269,846 40,484 5.1%2000 878,989 1,514,245 13,202 1.5% 5.5%2001 975,496 2,839,111 26,576 2.7% 3.5%2002 1,083,765 2,194,410 23,777 2.2% 3.1%2003 1,200,137 2,430,097 153,811 12.8% 5.2%2004 1,306,195 2,004,852 185,123 14.2% 7.4%2005 1,431,823 2,661,358 106,824 7.5% 8.3% 7.2%2006 1,537,276 3,023,903 47,525 3.1% 7.9% 6.2%2007 1,649,522 1,953,199 79,105 4.8% 8.0% 6.1%2008 1,745,132 2,672,155 8,666 0.5% 5.6% 5.4%2009 1,751,628 4,256,750 36,626 2.1% 3.4% 5.0%2010 1,760,613 2,055,638 215,447 12.2% 4.6% 6.1% 6.0%2011 1,814,831 2,837,879 10,719 0.6% 4.0% 5.7% 5.2%2012 1,838,599 2,551,718 30,719 1.7% 3.4% 5.5% 4.9%2013 1,915,204 1,882,271 24,651 1.3% 3.5% 4.4% 4.6%2014 1,991,189 5,076,207 441,949 22.2% 7.8% 5.7% 6.1%2015 2,053,180 2,785,821 525,499 25.6% 10.8% 7.9% 8.0%


CHUBBPA


Historical Data: Renters/Condos/Co-ops

Ex



1986 - 9,260,599 - 1987 - 6,335,507 - 1988 - 9,791,213 - 1989 - 10,356,364 899 1990 - 11,399,464 - 1991 - 16,104,865 8,349 1992 - 11,411,346 443,606 1993 - 9,558,826 135,441 1994 - 19,431,465 2,110,652 1995 - 7,453,389 32,285 1996 2,232,896 9,923,041 439,189 19.7%1997 2,329,924 13,274,914 123,292 5.3%1998 2,407,671 6,660,919 143,040 5.9%1999 2,393,107 6,724,660 157,675 6.6%2000 2,479,865 7,338,530 47,831 1.9% 7.7%2001 2,596,355 12,591,833 89,568 3.4% 4.6%2002 2,721,246 8,906,725 74,544 2.7% 4.1%2003 2,842,875 9,026,461 448,573 15.8% 6.3%2004 2,918,966 6,815,063 502,224 17.2% 8.6%2005 3,018,592 8,279,126 269,586 8.9% 9.8% 8.8%2006 3,057,463 8,608,802 111,569 3.6% 9.7% 7.4%2007 3,095,006 5,088,796 172,749 5.6% 10.1% 7.3%2008 3,089,056 6,371,238 17,604 0.6% 7.1% 6.7%2009 2,925,051 9,288,252 69,212 2.4% 4.2% 6.3%2010 2,773,637 4,104,839 378,727 13.7% 5.0% 7.4% 7.4%2011 2,697,218 5,186,054 17,528 0.6% 4.5% 7.1% 6.3%2012 2,577,870 4,267,460 46,728 1.8% 3.8% 7.0% 6.1%2013 2,533,280 2,880,797 34,882 1.4% 4.1% 5.7% 5.8%2014 2,484,704 7,109,899 581,734 23.4% 8.1% 6.0% 6.8%2015 2,417,038 3,570,845 643,451 26.6% 10.4% 7.5% 8.3%


CHUBBPA


Trended Data: Renters/Condos/Co-ops

Ex



1986 - - - 1987 - - - 1988 - - - 1989 - - - 1990 - - - 1991 - - - 1992 - - - 1993 - - - 1994 - 8,497 - 1995 - 77,120 - 1996 112,637 56,144 68,473 60.8%1997 127,807 103,787 - 1998 134,126 54,095 - 1999 148,583 126,517 - 2000 170,068 342,294 3,179 1.9% 10.3%2001 191,974 404,723 999 0.5% 0.5%2002 241,406 358,302 - 0.5%2003 295,586 168,242 35,588 12.0% 3.8%2004 343,844 143,691 110,272 32.1% 12.1%2005 408,127 489,652 - 9.9% 10.1%2006 492,539 695,928 - 8.2% 5.9%2007 558,006 801,516 885 0.2% 7.0% 5.1%2008 610,257 255,514 - 4.6% 4.4%2009 617,766 1,619,840 - 0.0% 3.8%2010 630,321 1,474,139 51,453 8.2% 1.8% 4.5% 5.3%2011 650,913 358,946 4,896 0.8% 1.9% 4.2% 3.7%2012 676,704 312,301 - 1.8% 3.8% 3.4%2013 708,278 593,779 - 1.7% 2.9% 3.1%2014 760,028 2,942,801 146,675 19.3% 5.9% 3.3% 4.8%2015 808,043 341,625 10,420 1.3% 4.5% 3.3% 4.5%


CHUBBPA


Historical Data: City Homes

Ex



1986 - - - 1987 - - - 1988 - - - 1989 - - - 1990 - - - 1991 - - - 1992 - - - 1993 - - - 1994 - 70,100 - 1995 - 582,253 - 1996 401,188 387,920 448,143 111.7%1997 429,453 656,258 - 0.0%1998 425,177 313,028 - 0.0%1999 444,343 669,990 - 0.0%2000 479,806 1,658,870 14,739 3.1% 21.2%2001 510,953 1,795,000 4,249 0.8% 0.8%2002 606,152 1,454,285 - 0.0% 0.8%2003 700,182 624,926 127,414 18.2% 5.3%2004 768,392 488,447 362,202 47.1% 16.6%2005 860,419 1,523,241 - 0.0% 14.3% 17.0%2006 979,602 1,981,250 - 0.0% 12.5% 8.2%2007 1,046,989 2,088,242 2,245 0.2% 11.3% 7.5%2008 1,080,216 609,224 - 0.0% 7.7% 6.8%2009 1,031,611 3,534,500 - 0.0% 0.0% 6.3%2010 992,996 2,943,662 100,771 10.1% 2.0% 7.0% 9.9%2011 967,393 655,952 8,797 0.9% 2.2% 6.7% 5.5%2012 948,795 522,288 - 0.0% 2.2% 6.4% 5.2%2013 936,854 908,773 - 0.0% 2.2% 4.9% 5.0%2014 948,401 4,121,782 203,506 21.5% 6.5% 3.2% 6.4%2015 951,242 437,892 13,264 1.4% 4.7% 3.3% 6.2%


CHUBBPA


Trended Data: City Homes

Exhibit 6.7CHUBBPennsylvania HomeownersForm Indication = HouseCompanies = AllTerritory = AllEvaluated as of 03/2016Catastrophe Loss and ALAE ratios

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)(1)*(2)*(3) (5)*(6) (7)*(8) (9)/(4) (10)+(11)

Calendar/ Trended Trended non-Modeled Expected non-Modeled Cat Modeled Cat Total CatAccident Earned On-level Premium On-level Earned Earned Catastrophe non-Modeled Loss&ALAE Loss&ALAE Loss&ALAEYear Premium Factors Trend Premium Ins Years EIY Trend Ins Years Factor to EIY Catastrophe $'s Ratio Ratio Ratio

2011 70,284,778 1.247 1.282 112,355,301 26,422,680 1.492 39,425,509 37.0% 14,587,438 13.0% 1.7% 14.7%2012 70,937,427 1.220 1.255 108,599,430 26,965,178 1.411 38,045,067 37.0% 14,076,675 13.0% 1.7% 14.6%2013 73,705,369 1.163 1.218 104,362,994 28,119,950 1.334 37,514,936 37.0% 13,880,526 13.3% 1.7% 15.0%2014 78,072,453 1.074 1.177 98,691,722 29,160,119 1.261 36,785,239 37.0% 13,610,539 13.8% 1.7% 15.5%2015 80,125,134 1.030 1.131 93,324,398 29,973,961 1.193 35,753,869 37.0% 13,228,931 14.2% 1.7% 15.9%Total 373,125,162 517,333,845 140,641,888 187,524,621 37.0% 69,384,110 13.4% 1.7% 15.1%

Exhibit 6.8CHUBBPennsylvania HomeownersForm Indication = RCCCompanies = AllTerritory = AllEvaluated as of 03/2016Catastrophe Loss and ALAE ratios

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)(1)*(2)*(3) (5)*(6) (7)*(8) (9)/(4) (10)+(11)

Calendar/ Trended Trended non-Modeled Expected non-Modeled Cat Modeled Cat Total CatAccident Earned On-level Premium On-level Earned Earned Catastrophe non-Modeled Loss&ALAE Loss&ALAE Loss&ALAEYear Premium Factors Trend Premium Ins Years EIY Trend Ins Years Factor to EIY Catastrophe $'s Ratio Ratio Ratio

2011 6,707,348 0.977 1.069 7,002,025 1,814,886 1.069 1,940,119 7.9% 153,269 2.2% 0.8% 3.0%2012 6,724,855 0.978 1.061 6,980,489 1,838,603 1.059 1,946,468 7.9% 153,771 2.2% 0.8% 3.1%2013 6,721,154 0.980 1.048 6,900,061 1,915,200 1.048 2,007,954 7.9% 158,628 2.3% 0.8% 3.1%2014 6,736,619 0.979 1.026 6,767,224 1,991,232 1.038 2,067,481 7.9% 163,331 2.4% 0.8% 3.3%2015 6,678,077 0.979 0.999 6,531,374 2,052,448 1.028 2,110,435 7.9% 166,724 2.6% 0.8% 3.4%Total 33,568,052 34,181,174 9,612,368 10,072,456 7.9% 795,724 2.3% 0.8% 3.2%

CHUBBPennsylvania HomeownersForm Indication = City HomeCompanies = AllTerritory = AllEvaluated as of 03/2016Catastrophe Loss and ALAE ratios

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)(1)*(2)*(3) (5)*(6) (7)*(8) (9)/(4)

Calendar/ Trended Trended non-Modeled Expected non-Modeled Cat Modeled CatAccident Earned On-level Premium On-level Earned Earned Catastrophe non-Modeled Loss&ALAE Loss&ALAEYear Premium Factors Trend Premium Ins Years EIY Trend Ins Years Factor to EIY Catastrophe $'s Ratio Ratio

2011 1,699,130 1.002 1.282 2,183,311 650,913 1.492 971,233 6.6% 64,101 2.9% 3.7%2012 1,748,741 1.001 1.255 2,196,267 676,704 1.411 954,759 6.6% 63,014 2.9% 3.7%2013 1,763,816 1.002 1.218 2,152,561 708,278 1.334 944,916 6.6% 62,364 2.9% 3.7%2014 1,795,463 1.002 1.177 2,117,425 760,028 1.261 958,769 6.6% 63,279 3.0% 3.7%2015 1,865,250 1.002 1.131 2,113,829 808,131 1.193 963,964 6.6% 63,622 3.0% 3.7%Total 8,872,400 10,763,393 3,604,054 4,793,641 6.6% 316,380 2.9% 3.7%

Exhibit 6.9

(12)(10)+(11)

Total CatLoss&ALAERatio

6.7%6.6%6.6%6.7%6.8%6.7%

Exhibit 6.10

(1) (2) (3) (4) (5)Modeled Adjusted Inforce Prem. Onleveled Hurricane

Loss Hurr. Losses at 07/31/12 Inforce Prem Loss & ALAE Ratio

House 1,251,373 1,385,583 80,411,352 82,743,281 1.7%

R/C/C 50,905 56,365 6,791,546 6,642,132 0.8%

City Home 64,181 71,064 1,900,186 1,900,186 3.7%Total 1,366,459 1,513,012 89,103,084 91,285,599 1.7%

*RMS RiskLink v15 Hurricane Model AAL using December 2015 data

(2) = (1) *ALAE load of 1.03 * Other Coverage Manual load of 1.075where the Other Coverage Manual load accounts for coverages not included in the RMS model

(4) = (3) * onlevel premium factor (1.029 for House, .978 for R/C/C, and 1.000 for City Home)

(5) = (2) / (4)

CHUBBPennsylvania HomeownersModeled Hurricane Losses

Exhibit 7.1CHUBB

Homeowners InsuranceCountrywide Unallocated Loss Adjustment Expense Exhibit

(1) (2) (3) (4)[(3)+(2)]/(2)

Incurred UnallocatedUnallocated Loss

Gross Incurred Losses Loss AdjustmentCalendar Including Allocated Adjustment Expenses Year Loss Adjustment Expenses Expenses Ratio *

2015 75,296 1.063

2014 72,583 1.065

2013 57,986 1.056

Average 1.061

Items (2) and (3) above are expressed in (000's) of dollars.* - To be applied to incurred losses including allocated loss adjustment expense.

1,195,533

1,125,042

1,027,343

Exhibit 8.1CHUBB

Homeowners InsuranceCountrywide Underwriting Expense Exhibit

(1) (2) * (3) * (4)

Expense Components Ratio = (2) ÷ (3)Adjusted

Other Direct OtherCalendar General Acquisition Earned General Acquisition

Year Expense Expense Premium Expense Expense

2015 42,682 156,167 2,066,918 2.1% 7.6%

2014 38,586 136,421 2,012,261 1.9% 6.8%

2013 43,235 154,028 1,922,007 2.2% 8.0%

Average 2.1% 7.5%

* - Items (2) and (3) above are from the respective Consolidated/Combined FederalInsurance Company Insurance Expense Exhibits for the calendar years shown,and are expressed in (000's) of dollars.

CHUBB Exhibit 9.1PENNSYLVANIA ANNUAL STATEMENT PAGE 15

Homeowners Commission, Guaranteed Supplemental Compensation and Taxes

DIRECT GUARANTEEDCAL WRITTEN STANDARD SUPPLEMENTAL STATE

Company YEAR PREMIUM COMMISSIONS % COMPENSATION % SUBTOTAL % TAXES %Federal 2013 6,347,600 1,003,114 15.8% 62,246 1.0% 1,065,360 16.8% 160,407 2.5%

2014 6,121,731 966,823 15.8% 73,891 1.2% 1,040,714 17.0% 127,315 2.1%2015 5,597,017 882,984 15.8% 70,459 1.3% 953,443 17.0% 117,193 2.1%

Vigilant 2013 4,712,824 745,692 15.8% 44,516 0.9% 790,208 16.8% 149,678 3.2%2014 4,487,364 704,299 15.7% 55,164 1.2% 759,463 16.9% 107,973 2.4%2015 4,114,762 646,066 15.7% 46,189 1.1% 692,255 16.8% 101,436 2.5%

Great Northern 2013 9,047,113 1,453,877 16.1% 90,039 1.0% 1,543,916 17.1% 245,961 2.7%2014 9,514,974 1,518,948 16.0% 113,810 1.2% 1,632,758 17.2% 211,045 2.2%2015 9,250,566 1,479,472 16.0% 112,080 1.2% 1,591,552 17.2% 216,087 2.3%

Pacific Indemnity 2013 47,848,580 7,454,860 15.6% 498,599 1.0% 7,953,459 16.6% 1,299,258 2.7%2014 48,022,498 7,456,984 15.5% 673,231 1.4% 8,130,215 16.9% 1,002,727 2.1%2015 45,543,018 7,065,059 15.5% 538,753 1.2% 7,603,812 16.7% 967,440 2.1%

Chubb Indemnity 2013 7,329,574 1,185,766 16.2% 69,325 0.9% 1,255,091 17.1% 175,548 2.4%2014 7,248,915 1,173,919 16.2% 95,994 1.3% 1,269,913 17.5% 160,131 2.2%2015 7,033,803 1,136,355 16.2% 97,434 1.4% 1,233,789 17.5% 156,022 2.2%

Chubb National 2013 9,359,076 1,695,229 18.1% 112,224 1.2% 1,807,453 19.3% 205,485 2.2%2014 14,023,357 2,484,699 17.7% 221,548 1.6% 2,706,247 19.3% 302,784 2.2%2015 17,181,269 2,941,019 17.1% 247,521 1.4% 3,188,540 18.6% 369,825 2.2%

Total 2013 84,644,767 13,538,538 16.0% 876,949 1.0% 14,415,487 17.0% 2,236,337 2.6%2014 89,418,839 14,305,672 16.0% 1,233,638 1.4% 15,539,310 17.4% 1,911,975 2.1%2015 88,720,435 14,150,955 16.0% 1,112,436 1.3% 15,263,391 17.2% 1,928,003 2.2%

2013-2015 262,784,041 41,995,165 16.0% 3,223,023 1.2% 45,218,188 17.2% 6,076,315 2.3%

SELECTED PROVISIONS

STANDARD COMMISSIONS 16.0%GUARANTEED SUPPLEMENTAL COMPENSATION * 1.2%TAXES, LICENSES AND FEES 2.3%SUBTOTAL 19.5%MANDATED, RESIDUAL MARKET LOAD, OR ASSESSMENT 0.0%U/W PROFIT PROVISION 11.1%TOTAL U/W PROFIT AND VARIABLE EXPENSE 30.6%

Exhibit 10.1

Privileged InformationProprietary and Confidential

CHUBBPennsylvania Homeowners

Underwriting Profit Provision Calculation

The following calculation was used to calculate an appropriate underwriting profit provision given items(1) through (5) below:

ROE = (UW * PS) * (1 - CTX) + (II * PS) * (1 – ETX) + YS * (1 – ETX)

Item Description Value1 . ROE After-Tax Expected Statutory Return on Equity 12.1%2 . II Investment Income Yield on Policyholder Funds as a % of Premium (See Exhibit 11.1) 1.50%3 . PS Premium to Surplus Ratio (Based on three year average from Annual Statement) 0.704 . YS Investment Income Yield on Surplus (See Exhibit 11.1) 3.10%5 . CTX Corporate Tax Rate 35.0%6 . ETX Effective Tax Rate (See Exhibit 11.1) 5.62%

7 . UW Underwriting Profit as a Percentage of Premium Calculated 17.9%Selected 11.1%

Exhibit 11.1



A. Direct Earned Premiums for Calendar Year 2015 (see Sheet 2) 89,067,294

B. Unearned Premium Reserve Subject to Investment (see Sheet 2)

1. Mean Unearned Premium Reserve for Calendar Year 2015

a. Unearned Premium Reserve as of 12/31/15 46,792,486b. Unearned Premium Reserve as of 12/31/14 47,012,528c. Mean Unearned Premium Reserve (a + b) ÷ 2 46,902,507

2. Deduction for Prepaid Expenses

a. Prepaid Expense Provisions:1. Commissions & Brokerage (excluding GSC) 16.0%2. Other Acquisition Expenses 7.5%3. 50% of General Expenses 1.0%4. Taxes, Licenses, & Fees 2.3%5. Ceded Reinsurance Premium 0.0%6. Total 26.8%

b. Deduction for Prepaid Expenses (B.1.c x B.2.a.6) 12,566,659

3. Deduction for Federal Taxes Payable (B.1.c x 7.0%) 3,283,175(see Sheet 2)

4. Deduction for Delayed Remission of Premiums

a. Average Agents' Balances Percentage (see Sheet 2) 19.80%b. Delayed Remission of Premiums (A x B.4.a) 17,635,324

5. Net Unearned Premium Reserve Subject to Investment 13,417,349(B.1.c - B.2.b - B.3 - B.4.b)

C. Loss Reserves Subject to Investment (see Sheet 2)

1. Expected Incurred Loss & LAE Ratio 59.85%

2. Average Reserve to Incurred Loss & LAE Ratio 0.573

3. Expected Mean Loss and Loss Adjustment Expense Reserve 30,543,264(A x C.1 x C.2)

D. Net Subject to Investment (B.5 + C.3) 43,960,613

E. Average Rate of Return on Invested Assets (see Sheet 2) 3.10%

F. Expected Investment Earnings (D x E) 1,362,779

G. Ratio of Investment Earnings to Earned Premium, 1.50%equals Investment Income Offset (F ÷ A)

H. Effective Tax Rate on Investment Income 5.62%

I. After-tax Ratio of Investment Earnings to Earned Premium 1.42%(G x (1 - H))

Exhibit 11.2



Item A Earned premiums are from the Federal Combined Annual Statement forLine 4 -- Homeowners : (Page 15, Line 4).

Item B.1 Unearned premium reserves are from the Federal Combined Annual Statement forLine 4 -- Homeowners : (Page 15, Line 4).

Item B.2 Production costs and a significant portion of other underwriting expenses (excluding lossadjustment expenses) are incurred as soon as the policy is written and before the premium is earned. As a result, these monies are not available for investment.

Item B.3 The Tax Reform Act of 1986 taxes 20% of the unearned premium reserve. At a corporatetax rate of 35%, this tax equals 7.0% (0.20 x 0.35 = 0.070) of the unearned premiumreserve. As a result, these monies are not available for investment.

Item B.4 The average agents' balances percentage is based on the following informationfor all lines of business from the Federal Combined Annual Statement:

Dollars in Thousands 20151. Net Earned Premium (Page 4, Line 1) 10,348,0472. Current Agents' Balances (Page 2, Lines 13.1 + 13.2) 2,048,3873. Prior Agents' Balances (Page 2, Lines 13.1 + 13.2) 2,050,5724. Mean Agents' Balances [(2) + (3)] ÷ 2 2,049,4795. Average Agents' Balances Percentage (4) ÷ (1) 19.80%

Item C.1 The expected incurred loss & loss adjustment expense ratio is 1 - Total Expenses (excl ceded reins prem)where Total Expenses (excl ceded reins prem) = B.2.a.6 + GSC + 50% Gen Exp + Profit & Cont - ceded reins premfor GSC = 1.2%, Profit & Contigencies = 11.1%.

Item C.2 The average reserve to incurred ratio is based on the following information based on the FederalCombined Annual Statement for Line 4 -- Homeowners : (Page 15, Line 4).

Dollars in Thousands 2013 2014 20151. Incurred Losses & LAE (000's) 828,638 1,207,589 1,272,3832. Current Unpaid Losses and LAE (000's) 523,522 581,597 613,8053. Prior Unpaid Losses and LAE (000's) 843,891 523,522 581,5974. Mean Loss & LAE Reserves [(2) + (3)] ÷ 2 683,707 552,560 597,7015. Ratio (4) ÷ (1) 0.825 0.458 0.4706. Average Reserve to Incurred Ratio 0.584

7. Estimated Reserve Discount 5.57%8. Federal Taxes Payable (% of Reserve) 0.019

[ (7) x 35% ]9. (6) x [(1.000 - (8)] 0.5730

Item E The average rate of return on invested assets is based on the following information for all linesof business from the Federal Combined Annual Statement.

Dollars in Thousands 2013 2014 20151. Net Investment Income Earned (Page 4, Line 9) 1,186,079 999,121 1,071,4442. Cash and Invested Assets (Page 2, Line 10) 34,771,379 35,423,377 35,351,0623. Rate of Return Percentage (1) ÷ (2) 3.40% 2.80% 3.00%4. Selected Rate of Return on Invested Assets 3.10%

Exhibit 12.3

Buhlmann BuhlmannActual Straub Straub Cred

Region Relativity Credibility RelativityPennsylvania 1.030 0.965 1.029Mid-Atlantic 0.924 0.989 0.925US Total 1.000 1.000

Selected 1.029

CHUBBHomeowners Insurance

Fire: State Offset FactorsBased on 20 year Credibility Weighted Frequency

(1) (2) (3) (4) (5) (6)

Proposed Territory

Total Locations

% Distribution

Current Base Rate

Proposed Base Rate

Base Rate Change

Premium At Current Rates

001 887 4.1% 1,174 1,231 4.9% 3,503,676005 136 0.6% 845 886 4.9% 488,629006 172 0.8% 630 661 4.9% 569,515007 167 0.8% 601 630 4.9% 485,984008 124 0.6% 845 886 4.9% 440,207009 48 0.2% 888 931 4.9% 162,187010 5 0.0% 717 752 4.9% 16,669012 249 1.2% 630 661 4.9% 689,800014 651 3.0% 1,174 1,231 4.9% 3,494,672021 96 0.4% 794 832 4.9% 260,110022 117 0.5% 630 661 4.9% 372,312023 191 0.9% 601 630 4.9% 565,577024 13 0.1% 794 832 4.9% 46,527025 27 0.1% 601 630 4.9% 76,842027 121 0.6% 601 630 4.9% 363,380031 25 0.1% 669 702 4.9% 69,059035 26 0.1% 818 858 4.9% 103,221037 3 0.0% 888 931 4.9% 16,289051 11 0.1% 818 858 4.9% 34,669052 168 0.8% 818 858 4.9% 465,373053 88 0.4% 717 752 4.9% 249,363054 97 0.5% 845 886 4.9% 246,668055 310 1.4% 792 831 4.9% 785,018056 12 0.1% 888 931 4.9% 45,081057 22 0.1% 794 832 4.9% 78,048058 263 1.2% 669 702 4.9% 901,660059 308 1.4% 669 702 4.9% 980,212061 28 0.1% 717 752 4.9% 77,428071 22 0.1% 717 752 4.9% 102,871073 830 3.9% 830 870 4.9% 3,598,105074 55 0.3% 792 831 4.9% 153,767075 390 1.8% 818 858 4.9% 1,216,162076 10 0.0% 738 774 4.9% 18,430077 574 2.7% 818 858 4.9% 2,020,027081 294 1.4% 818 858 4.9% 871,728082 66 0.3% 818 858 4.9% 233,922083 1,553 7.2% 830 870 4.9% 5,592,051086 72 0.3% 1,068 1,120 4.9% 343,997087 87 0.4% 888 931 4.9% 228,826088 16 0.1% 818 858 4.9% 68,608089 37 0.2% 845 886 4.9% 169,930090 174 0.8% 630 661 4.9% 555,323091 29 0.1% 818 858 4.9% 91,084092 748 3.5% 839 880 4.9% 2,099,685093 69 0.3% 845 886 4.9% 250,867094 24 0.1% 818 858 4.9% 67,217095 940 4.4% 1,013 1,062 4.9% 3,406,526096 15 0.1% 818 858 4.9% 55,302099 33 0.2% 717 752 4.9% 103,694100 156 0.7% 601 630 4.9% 450,885101 386 1.8% 1,068 1,120 4.9% 1,705,945102 14 0.1% 717 752 4.9% 32,573104 6 0.0% 818 858 4.9% 13,582106 1 0.0% 818 858 4.9% 1,403107 103 0.5% 818 858 4.9% 295,716108 188 0.9% 818 858 4.9% 440,794109 35 0.2% 818 858 4.9% 88,046110 242 1.1% 818 858 4.9% 764,715111 38 0.2% 818 858 4.9% 106,167113 43 0.2% 818 858 4.9% 114,602114 767 3.6% 818 858 4.9% 2,858,012115 414 1.9% 818 858 4.9% 1,131,864116 1 0.0% 818 858 4.9% 3,388117 9 0.0% 818 858 4.9% 21,068119 21 0.1% 818 858 4.9% 58,409120 1,080 5.0% 818 858 4.9% 4,037,016121 378 1.8% 818 858 4.9% 1,062,371122 2 0.0% 818 858 4.9% 2,341123 223 1.0% 818 858 4.9% 683,330124 1 0.0% 818 858 4.9% 2,103125 24 0.1% 818 858 4.9% 67,664128 1 0.0% 818 858 4.9% 1,506129 1 0.0% 818 858 4.9% 2,341131 137 0.6% 818 858 4.9% 370,671132 943 4.4% 1,013 1,062 4.9% 4,877,114133 419 1.9% 853 895 4.9% 1,819,640134 1,027 4.8% 884 927 4.9% 4,764,902135 2,248 10.5% 1,013 1,062 4.9% 10,366,209136 678 3.2% 1,013 1,062 4.9% 3,192,445137 1,088 5.1% 884 927 4.9% 3,853,568138 136 0.6% 853 895 4.9% 666,628139 124 0.6% 738 774 4.9% 345,492140 16 0.1% 1,013 1,062 4.9% 83,579141 154 0.7% 1,013 1,062 4.9% 837,107

Total 21,507 100.0% 81,959,496

(2) = (1) / (1 Tot)(5) = (4) / (3) -1(6) Premium based on inforce policies at current rates(7) Premium based on re-rating of the inforce policies with proposed changes(8) = (7) / (6) -1

Total In-Force Book

PennsylvaniaRate Level Effects By Territory

House & Vacation Forms

Rate Effect RangeTotal

Locations % Distn







LT -5% 0 0.0% 0 0 0.0% 0 0 0.0% 0 0 0.0%-5% to 0% 18 0.1% -86 1 0.1% -265 2 0.2% -67 1 0.0%0% to 5% 15,945 74.1% 173 1,215 81.4% 144 773 77.8% 170 2,149 77.2%5% to 10% 5,418 25.2% 237 238 16.0% 203 217 21.8% 219 625 22.4%10% to 20% 124 0.6% 727 37 2.5% 866 2 0.2% 1,137 9 0.3%20% to 30% 0 0.0% 0 0 0.0% 0 0 0.0% 0 0 0.0%

GT 30% 2 0.0% 204 1 0.1% 198 0 0.0% 0 0 0.0%Total 21,507 100.0% 192 1,492 100.0% 171 994 100.0% 182 2,784 100.0%

Max % Change (1) 58.9% (3) 39.4% (5) 14.2% (7)Max $ Impact (2) 4,368 (4) 3,385 (6) 1,521 (8)

*Rate effects based on residence premium(1) $1.65M house, $2,500 deductible, $209 increase (8) $3.01 (2) $6.24M house, $5,000 deductible, 15.3% increase (9) $0.61 (3) $0.58M house, $500 deductible, $198 increase (10) $22. (4) $3.5M house, $10,000 deductible, 11.1% increase (11) $1.6 (5) $0.79M house, $1,000 deductible, $753 increase (12) $6.2 (6) $4.79M house, $5,000 deductible, 11.4% increase (13) $1.7 (7) $0.42M house, $2,500 deductible, $159 increase (14) $24.

PennsylvaniaRate Level Effects Histogram

All Companies Federal Vigilant Pacific Indem

Exhibit 14.1








0 0 0.0% 0 0 0.0% 0 0 0.0% 0-148 5 0.0% -57 7 0.2% -93 2 0.1% -33149 7,523 74.6% 192 3,193 69.1% 150 1,092 71.6% 190196 2,531 25.1% 251 1,387 30.0% 231 420 27.5% 265534 30 0.3% 620 34 0.7% 798 12 0.8% 4410 0 0.0% 0 0 0.0% 0 0 0.0% 00 0 0.0% 0 1 0.0% 209 0 0.0% 0

160 10,089 100.0% 208 4,622 100.0% 179 1,526 100.0% 212

16.7% (9) 18.9% (11) 58.9% (13) 14.7%1,514 (10) 3,334 (12) 4,368 (14) 2,444

M house, $5,000 deductible, 12.3% increase M house, $5,000 deductible, $441 increase .79M house, $10,000 deductible, 8.0% increase 65M house, $2,500 deductible, $209 increase 24M house, $5,000 deductible, 15.3% increase 74M house, $5,000 deductible, $886 increase .5M house, $5,000 deductible, 6.3% increase

m

mnity Great Northern Chubb National Chubb Indemnity

Exhibit 15.1

Size of Risk $500 - $50,000 $50,000 - $100,000 $100,000 - $250,000 $250,000 - $500,000 $500,000 - $750,000 over $750,000$0 - $999,999 834,848,763 147,789,146 147,181,960 88,112,615 45,943,476 73,085,519

$1,000,000 - $2,499,999 943,011,116 223,855,342 238,167,654 156,762,488 85,873,976 283,757,341 $2,500,000 - $4,999,999 318,228,418 101,276,850 115,490,827 74,885,347 42,457,279 226,377,226 $5,000,000 - $7,499,999 74,882,903 27,455,478 33,639,919 24,364,496 12,567,963 79,241,947

$7,500,000 + 65,584,980 25,681,895 32,374,588 23,877,645 14,880,069 112,056,608

Size of Risk 50,000$ 100,000$ 250,000$ 500,000$ 750,000$ $0 - $999,999 62.4% 73.5% 84.5% 91.1% 94.5%

$1,000,000 - $2,499,999 48.8% 60.4% 72.7% 80.9% 85.3%$2,500,000 - $4,999,999 36.2% 47.7% 60.9% 69.4% 74.2%$5,000,000 - $7,499,999 29.7% 40.6% 53.9% 63.6% 68.6%

$7,500,000 + 23.9% 33.3% 45.0% 53.7% 59.2%

Size of Risk 50,000$ 100,000$ 250,000$ 500,000$ 750,000$ $0 - $999,999 62.5% 75.0% 85.0% 90.0% 95.0%

$1,000,000 - $2,499,999 47.5% 60.0% 72.5% 80.0% 85.0%$2,500,000 - $4,999,999 35.0% 47.5% 62.5% 70.0% 75.0%$5,000,000 - $7,499,999 30.0% 40.0% 55.0% 62.5% 65.0%

$7,500,000 + 25.0% 32.5% 47.5% 55.0% 57.5%

Size of Risk 50,000$ 100,000$ 250,000$ 500,000$ 750,000$ $0 - $999,999 0.461 0.353 0.267 0.224 0.181

$1,000,000 - $2,499,999 0.590 0.482 0.375 0.310 0.267 $2,500,000 - $4,999,999 0.698 0.590 0.461 0.396 0.353 $5,000,000 - $7,499,999 0.741 0.655 0.526 0.461 0.439

$7,500,000 + 0.784 0.720 0.590 0.526 0.504

Size of Risk 100,000$ 250,000$ 500,000$ 750,000$ $0 - $999,999 0.77 0.58 0.49 0.39

$1,000,000 - $2,499,999 0.82 0.63 0.53 0.45 $2,500,000 - $4,999,999 0.85 0.66 0.57 0.51 $5,000,000 - $7,499,999 0.88 0.71 0.62 0.59

$7,500,000 + 0.92 0.75 0.67 0.64

(1) Loss Elimination Ratio = { Losses between $500 and New Deductible } / { Total Losses above $500 }(2) Loss elimination ratios selected in order to smooth out results where data lacks credibility.(3) Large Deductible Factors over Standard Deductible

= { Permissible Loss Ratio * (1 - Loss Elimination Ratio) + Fixed Expenses } / { 1 - Variable Expenses - UW Profit }(4) Large Deductible Factors Relative to $50,000 = Large Deductible Factor (3) / Implied Deductible Factor at $50,000



Ground up Loss by Layer

Loss Elimination Ratios over $500 Standard Deductible (1)

Selected Loss Elimination Ratios over $500 Standard Deductible (2)

Large Deductible Factors over $500 Standard Deductible (3)

Large Deductible Factors Relative to $50,000 Deductible (4)

Exhibit 15.2

Size of RiskCurrent $50,000

Deductible Factors Implied $100,000 Deductible Factors




$15,000 0.400 0.308 0.232 0.196 0.156$50,000 0.400 0.308 0.232 0.196 0.156

$500,000 0.400 0.308 0.232 0.196 0.156$1,000,000 0.400 0.328 0.252 0.212 0.180$2,500,000 0.425 0.361 0.281 0.242 0.217$5,000,000 0.450 0.396 0.320 0.279 0.266$7,500,000 0.564 0.519 0.423 0.378 0.361

Size of Risk $100,000 $250,000 $500,000 $750,000$15,000 0.300 0.225 0.175 0.150$50,000 0.300 0.225 0.175 0.150

$500,000 0.300 0.225 0.175 0.150$1,000,000 0.330 0.250 0.200 0.175$2,500,000 0.375 0.300 0.250 0.215$5,000,000 0.400 0.350 0.300 0.260$7,500,000 0.500 0.450 0.400 0.350

(5) Implied Large Deductible Factors = Large Deductible Factors Relative to $50,000 (4)* Current Deductible Factor at $50,000

$0 - $999,999

Large Deductible Factors by Size of Risk

$1,000,000 - $2,499,999$2,500,000 - $4,999,999$5,000,000 - $7,499,999

$7,500,000 +

Selected Large Deductible Factors (House and R/C/C)


Implied Large Deductible Factors (5)

Size of Risk Range$0 - $999,999

$0 - $999,999

CHUBB

Masterpiece Rate and Rule Change

Company Filing No.: 16-11049-RR

State: Pennsylvania Applicable To: Rate and Describe Change Rule Section

Home and Contents: Rules We introduced a $100,000 deductible. Home and Contents: Rules – Discounts We revised the New house discount to apply to houses built within the last ten years.

Home and Contents: Rates We revised:

Contents adjustment;

Deductible factor charts to introduce a $100,000 base deductible;

Superior protection discounts under Discounts and Surcharges charts; and

New house discount.

Home and Contents: Rules (new page 5d.1) We introduced High base deductibles of $250,000, $500,000 and

$750,000. Home and Contents: Rates (new page 7a.1) We introduced High base deductible factors for $250,000, $500.000 and

$750,000 deductibles.

Date: 11/2/16

Home and Contents: Rules This manual is for policies insured with us for the applicable rates for Federal Insurance Company, Chubb Indemnity Insurance Company, Chubb National Insurance Company, Great Northern Insurance Company, Pacific Indemnity Company, and Vigilant Insurance Company. Eligibility All homes, except city homes, must be used as one−family or two−family residences. A city home must be an owner occupied rowhouse with no more than one rental unit and must meet all of the following criteria: • masonry construction • built prior to 1940 • renovated plumbing, heating and electrical systems. Contents coverage may be written for the owner occupied unit only. A vacation home must be an owner occupied house, other than a primary residence, but may be rented to others for up to 15 days in any given policy term. Contents coverage may be written for a house owned by the insured only if house coverage is included in the policy. Coverage options Property covered

Types of coverage

Payment basis (loss settlement)

House (dwelling only)

Deluxe (all risk) City home house (all risk) Vacation home (all risk)

Extended replacement cost, verified replacement cost or conditional replacement cost

Contents (with Deluxe house)

Deluxe (all risk) Standard (named perils) Fire (named perils, without theft)

Replacement cost or actual cash value Replacement cost or actual cash value Actual cash value

Contents (with City home house)

City home contents (all risk)


Contents (with Vacation home house)



Contents (Condominium, Cooperative, or Renters)



12/07/15 Pennsylvania Masterpiece Manual Home and Contents: Rules Page 5.1 ©Copyright 1985 by Chubb & Son Inc.

Home and Contents: Rules Minimum amount These are the minimum amounts of coverage: Deluxe house or vacation home house amount with or without contents: $ 50,000 City home house amount with city home contents: $400,000* City home house amount without contents: $400,000** Condominium or cooperative: $ 15,000 Renters: $ 15,000 * City home contents coverage may not be less than 10% of City home house coverage. ** City home house without contents is only available if the renovation surcharge applies (house is being rebuilt/course of construction).

Base premium determination (not applicable to City home house) The base premium is calculated for: • $100,000 house coverage insured on an extended replacement cost basis, (or $40,000 condominium, cooperative, or

renters contents coverage insured on a replacement cost basis); • $50,000 contents coverage insured on a replacement cost basis (for a Deluxe house with Deluxe or Standard

contents coverage only); • $30,000 contents coverage insured on a replacement cost basis (for a vacation home house with deluxe or standard

contents coverage only); • $20,000 other permanent structures coverage for a deluxe house or $10,000 other permanent structures coverage for a

vacation home house (or $4,000 additions and alterations coverage for a condominium, cooperative, or renters); • $50,000 personal liability coverage; and • $500 deductible. Fire protection The fire protection factor (not applicable to City home house) and fire protection code is determined by the type of coverage for the residence, the distance a fire hydrant or fire station is from the residence and whether the residence has a central station or direct reporting fire alarm. In lieu of a fire protection factor, a separate discount is available for fire protection if a city home has a direct or central station reporting fire alarm. Value factor (not applicable to City home house) The value factor is determined by using the type of coverage for the location, the fire protection code, and the value of the building or contents. For a house, use the value of the highest valued building at the location (excluding contents) to determine the coverage amount. For a condominium, cooperative, or rental unit, use the value of contents to determine the amount of coverage. Deductibles All homes and contents coverages must have the same deductible. If a policy has a deductible higher than $50,000, the deductible waiver will not apply. The following flat deductibles are available: $250 $500 $1,000 $2,500 $5,000 $7,500 $10,000 $25,000 $50,000 $100,000 Underinsured houses If a house is not insured to at least 90% of the amount of coverage we recommend, the payment basis will be conditional replacement cost. There is an undervalue surcharge when coverage is below 80% of the amount of coverage we recommend.


Home and Contents: Rules Renovated or newly constructed houses If new construction of a house or other permanent structures or additions, alterations or renovations to the existing house or other permanent structures occurs that results in the insured living out of the house, the company must be notified. Vacant houses If an insured house will be vacant (substantially empty of furnishings and contents) for more than 30 days, the company must be notified. Personal liability Liability is rated in the state where the Primary residence (first location with liability) is located regardless of the location of any additional residence(s). If liability is not requested, we apply a discount for each location that building and/or contents coverage is provided.


Home and Contents: Rules – Discounts Applicable to house and contents, condominium, cooperative, and renters The following discounts are applied to house and contents, condominium, cooperative and renters coverage, if applicable. Burglar alarm – Applicable if the residence has a central station or direct reporting theft or burglar alarm. This discount is not applicable to Deluxe house without contents or with fire contents. Fire resistive – Applicable if the house or the unit is in a building where exterior walls, floors, and roof are built of masonry or other fire resistive materials with a rating of two hours or more. Suburban rating (not applicable to city homes) – Applicable to a residence if the following conditions are met: • the residence is within 3 miles of the first responding fire department which:

• has at least 2 pumpers; and • brings at least 6,000 gallons of water; or • brings at least 4,000 gallons of water and has dual response or mutual aid agreement(s) with fire department(s)

within 5 miles of the residence which will supply an additional 2,000 gallons of water; and • the ISO protection class is not greater than 9. Gated community (not applicable to city homes) – Applicable if the residence is located in a gated community. A residence is in a gated community if: • vehicle access is limited to entrances controlled by guards or locked gates at all times; • proper identification is required to enter; and • visitors are announced. This discount is not intended for high rise buildings. Gated community patrol service (not applicable to city homes) – Applicable if the residence in the gated community has a fire and burglar alarm that when activated, alerts the community’s 24-hour patrol service to dispatch a guard to the residence. Premier client – Applicable in one of two ways, based on either customer tenure or risk tenure: • customer tenure - applied for a new location if the insured has another location insured by us for three or more

consecutive years. The discount will apply to the new location for the first three policy terms. Once a location has a risk tenure of three years or more, the discount will be based on the risk tenure provided we did not pay any property claims for that location; or

• risk tenure - applied for each location insured by us for three or more consecutive years that we did not pay any property claims for that location within the last three years. If a claim we paid is reimbursed in full through salvage and/or subrogation, that claim may be waived when determining eligibility for this discount. This discount is not applied if we paid any property claims for a location due to a loss caused by a catastrophe.

Portfolio discount – home with valuable articles – Applicable for a primary, owner-occupied house, condominium, cooperative or a primary occupied rental unit when valuable articles coverage, meeting certain eligibility (see Charts section), is written on the same policy at the same location. Portfolio discount – home with auto – Applicable for a residence, if the residence is not seasonal, secondary or rented to others, listed on the policy when the insured has a good standing active Masterpiece automobile policy with us. If the residence is a house, the house must have contents coverage listed on the policy. A city home may have up to one rental unit and still qualify for this discount. The automobile policy must have at least one private passenger vehicle with physical damage coverage garaged in the state of Pennsylvania at that location. Payment history – Applicable for a residence when the insured (not a mortgagee or lienholder) has paid the premium in full at least two years within the past five years. The five year eligibility period begins with the policy term immediately following the policy term where the premium was paid by the mortgagee or lienholder, if applicable. Lien free (not applicable to renters) – Applicable if the residence has no mortgage or lien. This discount is not applied if the residence is vacant, under the course of construction or rented to others.

12/07/15 Pennsylvania Masterpiece Manual Home and Contents: Rules – Discounts Page 5a.1 ©Copyright 1985 by Chubb & Son Inc.

Home and Contents: Rules – Discounts Applicable to house and contents only The following additional discounts are applied to house and contents coverage, if applicable. Residential sprinkler system – Applicable if the living areas, basement and heating system area have an approved and properly maintained sprinkler system. New house (not applicable to city homes) – Applicable if the house was built within the last seven ten years. Renovated house (not applicable to city homes) – Applicable if the house was renovated within the last six years. If this renovated house discount applies, the new house discount cannot. To qualify as renovated, the plumbing and heating systems and the electrical system must have been completely upgraded including new wiring, receptacles, circuit boxes and conduits in exposed areas. The renovation must have been inspected and approved by licensed civil authorities in compliance with the local building codes. Superior protection (not applicable to city homes) – Applicable if one or more of the protection characteristics on the superior protection discount chart apply. Applicable to City home house and City home contents The following additional discounts are applied to City home house and City home contents coverage, if applicable. Temperature monitoring system – Applicable if the city home has a temperature monitoring system which reports directly into a central station or direct fire alarm. Restoration – Applicable if the city home underwent restoration of its plumbing or electrical systems, heating/A.C./ventilating system, or its roof or façade repointing within the last ten years. Applicable to condominium, cooperative, and renters The following additional discounts are applied to condominium, cooperative, and renters coverage, if applicable. Building security protection – Applicable to a condominium, cooperative, or rental unit meeting all of the following criteria: • building entrances are at all times:

• manned; or • locked and secured by a central station or direct reporting burglar alarm;

• visitors are announced; and • elevators are either manned or key controlled or must be accessed through a locked door. Building fire protection – Applicable to a condominium, cooperative, or rental unit meeting all of the following criteria: • approved and properly maintained sprinkler systems have been installed throughout the building; and • common areas have a central station or direct reporting fire alarm or fire alarm which alerts the building security staff.

12/07/15 Pennsylvania Masterpiece Manual Home and Contents: Rules – Discounts Page 5a.2 ©Copyright 1985 by Chubb & Son Inc.

Home and Contents: Charts Base premium chart (not applicable to City home house)

Type of coverage

Base premium

Deluxe house/Vacation home house $ 1,174 Condominium/Cooperative $ 259 Renters $ 269

Coverage type chart (not applicable to City home house)

Coverage Factor Deluxe house/deluxe contents 1.100 Deluxe house/standard contents 1.000 Deluxe house without contents or with fire contents* 0.750 Vacation home house with deluxe contents 0.990 Vacation home house with standard contents 0.900 Deluxe condominium or cooperative 1.350 Standard condominium or cooperative 1.000 Deluxe renters 1.350 Standard renters 1.000

*There is an additional charge for Fire contents coverage. City home house base premium chart

Writing Company

Type of coverage






Other permanent structures adjustment - City home house

For each 1% above 20% of house coverage: For each 1% below 20% of house coverage: 0.50% 0.25%

Sinkhole collapse coverage If sinkhole collapse coverage is requested for a house, the factor is 20%. Discount Writing Company Charts (not applicable to City home house)

Deluxe house/ vacation home

house

Condominium or

cooperative

Renters Vigilant Insurance Company 0.800 0.900 0.900 Pacific Indemnity Company 0.712 0.900 0.900 Great Northern Insurance Company, Chubb National Insurance Company, Chubb Indemnity Insurance Company

0.663 0.850 0.850

01/11/16 Pennsylvania Masterpiece Manual Home and Contents: Charts Page 7.1 ©Copyright 1985 by Chubb & Son Inc.

Home and Contents: Charts Territory relativity chart (not applicable to City home house)

Territory


home house

Condominium or

cooperative

Renters 001 1.000 1.000 1.000 005 0.720 0.519 0.519 006 0.537 0.519 0.519 007 0.512 0.519 0.519 008 0.720 0.519 0.519 009 0.756 0.519 0.519 010 0.611 0.549 0.549 012 0.537 0.519 0.519 014 1.000 1.000 1.000 021 0.676 0.549 0.549 022 0.537 0.519 0.519 023 0.512 0.519 0.519 024 0.676 0.549 0.549 025 0.512 0.519 0.519 027 0.512 0.519 0.519 031 0.570 0.519 0.519 035 0.697 0.610 0.610 037 0.756 0.519 0.519 051 0.697 0.519 0.519 052 0.697 0.519 0.519 053 0.611 0.549 0.549 054 0.720 0.519 0.519 055 0.675 0.549 0.549 056 0.756 0.519 0.519 057 0.676 0.549 0.549 058 0.570 0.519 0.519 059 0.570 0.519 0.519 061 0.611 0.549 0.549 071 0.611 0.549 0.549 073 0.707 0.519 0.519 074 0.675 0.549 0.549 075 0.697 0.519 0.519 076 0.629 0.610 0.610 077 0.697 0.519 0.519 081 0.697 0.519 0.519 082 0.697 0.519 0.519 083 0.707 0.747 0.747 086 0.910 0.747 0.747 087 0.756 0.519 0.519 088 0.697 0.519 0.519 089 0.720 0.519 0.519 090 0.537 0.519 0.519 091 0.697 0.519 0.519 092 0.715 0.549 0.549 093 0.720 0.519 0.519 094 0.697 0.519 0.519 095 0.863 0.747 0.747 096 0.697 0.519 0.519 099 0.611 0.549 0.549 100 0.512 0.519 0.519


Home and Contents: Charts Territory relativity chart (not applicable to City home house) (continued)

Territory


home house

Condominium or

cooperative

Renters 101 0.910 0.747 0.747 102 0.611 0.549 0.549 104 0.697 0.610 0.610 105 0.697 0.610 0.610 106 0.697 0.610 0.610 107 0.697 0.833 0.833 108 0.697 0.833 0.833 109 0.697 0.610 0.610 110 0.697 0.610 0.610 111 0.697 0.610 0.610 112 0.697 0.610 0.610 113 0.697 0.610 0.610 114 0.697 0.833 0.833 115 0.697 0.610 0.610 116 0.697 0.610 0.610 117 0.697 0.610 0.610 119 0.697 0.610 0.610 120 0.697 0.610 0.610 121 0.697 0.610 0.610 122 0.697 0.833 0.833 123 0.697 0.610 0.610 124 0.697 0.610 0.610 125 0.697 0.610 0.610 126 0.697 0.833 0.833 127 0.697 0.610 0.610 128 0.697 0.610 0.610 129 0.697 0.610 0.610 130 0.697 0.610 0.610 131 0.697 0.610 0.610 132 0.863 0.747 0.747 133 0.727 0.747 0.747 134 0.753 0.519 0.519 135 0.863 0.747 0.747 136 0.863 0.747 0.747 137 0.753 0.519 0.519 138 0.727 0.747 0.747 139 0.629 0.610 0.610 140 0.863 0.747 0.747 141 0.863 0.747 0.747


Home and Contents: Charts Coverage adjustments charts Contents adjustment Additional deluxe or standard contents purchased:

Factor


Factor For each 1% of contents above 50% of deluxe house

0.40%

For each 1% of contents below 50% of deluxe house

0.35% For each 1% of contents above 30% of vacation home house

0.40%

For each 1% of contents below 30% of vacation home house

0.35%


Factor For each 1% of the first 10% contents below 50% of deluxe house coverage

For each 1% of contents below 40% of deluxe house coverage

For each 1% of contents below 30% of vacation home house coverage

For deluxe house the only contents value available below 5% is zero. For vacation home house the contents cannot be reduced below 5%.

Fire contents (not applicable to City home house). For every 1% of house coverage that is requested for the fire contents amount, the factor is 0.45% City home contents

Writing Company

Amount of coverage


Federal Insurance Company, Vigilant Insurance Company, Pacific ndemnity Company

50% or more of house coverage $ 0.312 40%-49% of house coverage $ 0.364 30%-39% of house coverage $ 0.416 20%-29% of house coverage $ 0.467 10%-19% of house coverage $ 0.520

Great Northern Insurance Company, Chubb Indemnity Insurance Company,

Chubb National Insurance Company

50% or more of house coverage $ 0.293 40%-49% of house coverage $ 0.342 30%-39% of house coverage $ 0.390 20%-29% of house coverage $ 0.450 10%-19% of house coverage $ 0.489

Other permanent structures adjustment For each 1% above 20% of deluxe

house and above 10% of vacation home house coverage:

For each 1% below 20% of deluxe house and below 10% of vacation home house coverage:

0.50% -0.25%


Home and Contents: Charts Coverage adjustments charts (continued) Additions and alterations adjustment

Additional additions and alterations purchased:

For each 1% above 10% of additional additions and alterations purchased:

First 20% 0.50% Additional 20%+ 0.53%

Reduced additions and alterations purchased. For every 1% of additions and alterations coverage below 10% of contents coverage, the factor is 0.50%. Actual cash value adjustment

Actual cash value discount Apply if actual cash value payment basis applies in lieu of replacement cost payment basis

Deluxe house/ vacation home house with deluxe or standard contents

City home house with City home contents


9% 9% 23%

Mold remediation expenses chart

Mold remediation expenses coverage House Condominiums, cooperatives, or renters Percentage of house coverage

Surcharge


Surcharge

10% 28% 10% 17.5% 25% 36% 25% 22.5% 50% 44% 50% 27.5% 75% 52% 75% 32.5% 100% 60% 100% 37.5%

GreenWise upgrade coverage - houses Percentage of house coverage

Surcharge

10% 1% 25% 2% 50% 3% 75% 4% 100% 5%

GreenWise upgrade coverage – condominium or cooperatives Percentage of combined amount of contents and additions and alterations

Surcharge

10% 1% 25% 2% 50% 3% 75% 4% 100% 5%


Home and Contents: Charts Coverage adjustments charts (continued) Fire protection chart (not applicable to City home house)

Fire protection factor

Fire station within five

miles of residence?

Fire hydrant within 1,000 feet of the

residence?*

Central station or direct

reporting fire alarm?

Deluxe house or vacation

home house


Fire protection code

Yes Yes Yes 0.95 0.95 A

No 1.00 1.00 A

No Yes 1.06 1.10 A No 1.18 1.26 B

No Yes Yes 1.10 1.15 A

No 1.26 1.31 B

No Yes 1.13 1.18 B No 1.38 1.40 B

*A 10,000 gallon water source (private hydrant, pool, etc.) which is accessible year-round is also acceptable. Value factor chart (not applicable to City Home House) Fire protection code. Use the fire protection chart to determine whether a residence is fire protection code A or B. Value of building or contents. For a house, use the value of the highest valued building at the location (excluding contents) to determine the coverage amount. For a condominium, cooperative, or rental unit, use the value of contents to determine the amount of coverage. Round the value to the nearest $1,000. If the building or contents value is not in the chart, calculate your value factor using the nearest value factor and the factor increase per $1,000. EXAMPLE: $153,000 deluxe house or vacation home house with deluxe contents, fire protection code A For $150,000 the value factor is 1.4500; the value factor per $1,000 is 0.00900. Figure the difference between the value of the building or contents and the nearest value in the chart (less than or equal to) and divide by 1,000. This provides the number of thousands between the values. $153,000 -$150,000 $ 3,000 ÷ $1,000 = 3 Multiply the value factor per 1,000 by the number of thousands between values 3 x 0.0090 = 0.027 Add this amount to the $150,000 value factor 1.4500 1.4500 + 0.0270 = 1.4770 The result, 1.4770, is the value factor for this example. Deluxe house or vacation home house Fire protection code A Fire protection code B Value of building Value factor Value factor per $1,000 Value factor Value factor per $1,000 $ 50,000 0.5000 0.01000 0.5000 0.01000 $ 55,000 0.5500 0.01000 0.5500 0.01000 $ 60,000 0.6000 0.01000 0.6000 0.01000 $ 65,000 0.6500 0.01000 0.6500 0.01000 $ 70,000 0.7000 0.01000 0.7000 0.01000 $ 75,000 0.7500 0.01000 0.7500 0.01000 $ 80,000 0.8000 0.01000 0.8000 0.01000 $ 85,000 0.8500 0.01000 0.8500 0.01000 $ 90,000 0.9000 0.01000 0.9000 0.01000



$ 95,000 0.9500 0.01000 0.9500 0.01000 $ 100,000 1.0000 0.00900 1.0000 0.01134 $ 150,000 1.4500 0.00900 1.5670 0.01134 $ 250,000 2.3500 0.00760 2.7010 0.00958 $ 500,000 4.2500 0.00700 5.0960 0.00882 $ 700,000 5.6500 0.00600 6.8600 0.00756 $ 1,000,000 7.4500 0.00600 9.1280 0.00756 $ 1,500,000 10.4500 0.00600 12.9080 0.00756 $ 3,000,000 19.4500 0.00620 24.2480 0.00782 $ 5,000,000 31.8500 0.00640 39.8880 0.00806 $ 7,500,000 47.8500 0.00640 60.0380 0.00806 $10,000,000 63.8500 0.00640 80.1880 0.00806 $20,000,000+ 127.8500 0.00640 160.7880 0.00806

Condominium, cooperative, or renters Fire protection codes A and B

Value of contents

Value factor

Value factor per $1,000

$ 15,000 0.3550 0.02580 $ 30,000 0.7420 0.02580 $ 40,000 1.0000 0.02800 $ 150,000 4.0800 0.02580 $ 1,000,000 26.0100 0.02580 $ 1,500,000 38.9100 0.02580 $ 3,000,000 77.6100 0.02580 $ 5,000,000 129.2100 0.02580

Deductible factor charts Deluxe house, Vacation home house, Condominium, Cooperative, or Renters:

Deluxe House, Vacation Home House Base deductible

Value of building

$250 $500 $1,000 $2,500 $5,000 $7,500 $10,000 $25,000 $50,000 $100,000

$ 15,000 1.150 1.050 0.900 0.735 0.600 0.550 0.500 0.450 0.400 $ 50,000 1.150 1.050 0.900 0.735 0.600 0.550 0.500 0.450 0.400 $ 500,000 1.150 1.050 0.900 0.735 0.600 0.550 0.500 0.450 0.400 $ 1,000,000 1.200 1.150 0.950 0.800 0.625 0.550 0.520 0.450 0.400 $ 2,500,000 1.200 1.150 1.100 0.835 0.750 0.650 0.545 0.490 0.425 $ 5,000,000 1.500 1.250 1.100 0.900 0.800 0.750 0.620 0.535 0.450 $ 7,500,000 and greater

1.500 1.300 1.250 0.950 0.900 0.850 0.800 0.750 0.564


Condominium, cooperative, or renters Value of Contents and

Base deductible

A&A combined

$250 $500 $1,000 $2,500 $5,000 $7,500 $10,000 $25,000 $50,000 $100,000

$ 15,000 1.150 1.050 0.900 0.735 0.600 0.550 0.500 0.450 0.400 $ 50,000 1.150 1.050 0.900 0.735 0.600 0.550 0.500 0.450 0.400 $ 500,000 1.150 1.050 0.900 0.735 0.600 0.550 0.500 0.450 0.400 $ 1,000,000 1.200 1.150 0.950 0.800 0.625 0.550 0.520 0.450 0.400 $ 2,500,000 1.200 1.150 1.100 0.835 0.750 0.650 0.545 0.490 0.425 $ 5,000,000 1.500 1.250 1.100 0.900 0.800 0.750 0.620 0.535 0.450 $ 7,500,000 and greater

1.500 1.300 1.250 0.950 0.900 0.850 0.800 0.750 0.564



Home and Contents: Charts Deductible factor charts (continued) City home house

Base deductible

Deductible

factors

Maximum amount

of change $ 250 1.250 No Maximum $ 500 1.120 No Maximum $ 1,000 1.000 -- $ 2,500 0.875 $ 1,500 $ 5,000 0.750 $ 3,000 $ 7,500 0.688 $ 4,500 $ 10,000 0.625 $ 7,000 $ 25,000 0.563 $ 9,000 $ 50,000 0.500 $13,000

$100,000 Discounts and surcharges charts

Burglar alarm Factor Deluxe house or vacation home house with deluxe or standard contents 0.95 Deluxe house with fire contents or no contents 1.00 Deluxe or standard condominium, cooperative, or renters 0.95

Discounts

Deluxe house

or vacation home house

Condominium,


Gated community 5% 5% Gated community patrol service 5% 5% Residential sprinkler system 10% N/A Fire resistive 15% 15% Suburban rating discount 10% 10% Payment history

• 2 years paid in full; or • 3+ years paid in full

3% 5%

3% 5%

Lien free* 2.5% 2.5% Building security protection N/A 5% Building fire protection N/A 5%

*Not applicable to Renters policies.


Home and Contents: Charts Discounts and surcharges charts (continued) Portfolio discounts

Deluxe house,

City home house

Condominium, cooperative, or

renters Home with auto 10.0% 10.0% Home with valuable articles Minimum eligible amount of coverage

• the total of all itemized and/or blanket valuable articles is at least $250,000; or

• the total of all itemized and/or blanket valuable articles (excluding fine arts, if any) is at least $50,000

12.5% 12.5%

• the total of all itemized and/or blanket valuable articles is at least $100,000; or

• the total of all itemized and/or blanket valuable articles (excluding fine arts, if any) is at least $25,000

10.0% 10.0%

We will apply the highest percentage of discount for which the residence qualifies. * Portfolio discounts are not applied to the 25% maximum total discount for City home house.

Discounts

City home house (A maximum total discount of 25% applies to City home house)*

Fire alarm 5% Burglar alarm 5% Temperature monitoring system 5% Residential sprinkler system 10% Fire resistive 15% Payment history

• 2 years paid in full; or • 3+ years paid in full

3% 5%

Lien free* 2.5% * Lien free is not applied to the 25% maximum total discount for City home house. Restoration discount for City home house *

Restoration completed

within 5 years Restoration completed within 6-10 years

Plumbing system 2% 1% Electrical system 2% 1%

Heating/A.C./ventilating system 2% 1% Roof 2% 1% Façade repointing 2% 1%

* Restoration discounts are included in the 25% maximum total discount for City home house.


Home and Contents: Charts Superior protection

Superior protection discounts

Deluxe house

Vacation home house

Security protection for the entire external perimeter of the house consisting of any one or more of the following: • closed circuit TV cameras monitored 24 hours a day; • detection system, external to the residence which is motion

activated and monitored 24 hours per day; • 24 hour on site security guard.

5% 5%

Full time caretaker who lives at the residence year round. This discount applies only if a 24 hour on site security guard is not present.

2% 4%

24 hour signal continuity protection for central station or direct fire and burglar alarm systems which activates the alarm when interrupted.

2% 2%

Perimeter gate where vehicular and pedestrian access is limited to entrances controlled by locked or electronic gates. This discount does not apply if any other Gated community discount applies.

2% 2%

Sprinkler system water flow alarm which activates a central station or direct alarm.

2% 2%

Temperature monitoring system, to protect against freezing, which activates a central station alarm.

2% 4%

Permanently installed, electrical power back−up generator capable of servicing heat, light, alarm and sprinkler systems.

5% 5%

Explosive gas leakage detector which activates a central station or direct fire alarm.

2% 2%

Automatic seismic shut−off valve to gas lines which activates automatically in the event of an earthquake.

2% 2%

Lightning protection system having a U.L. Master Label and installed by a certified Lightning Protection Institute installer. The system must include lightning rods and lightning arresters protecting the electrical wiring and all electronic devices of the entire house.

2% 2%

Water leak detection and control system having a U.L. Master Label. The system must monitor all areas containing plumbing devices and outlets. In the event of a leak, this system must:

• activate a central station or direct alarm; or

% %

• include a control system that closes the master plumbing valve or

3%

3%

• include a control system that closes the master plumbing value and activates a central station or 5% 5% direct alarm. The maximum total discount for Superior protection is 15%.


Home and Contents: Charts New house and Renovated house discounts (not applicable to City home house)

New house

Age of

dwelling

Renovated house

Years since oldest

renovation 21% 0 17% 0 21% 1 17% 1 18% 2 15% 2 15% 3 12% 3 12% 4 9% 4 9% 5 6% 5 6% 6 3% 6 3% 7

% 8 % 9 % 10


Risk Customer Loss free tenure tenure No Yes 0 years 1 year 0.0% 0.0% 0 years 2 years 0.0% 0.0% 0 years 3 years -1.0% -1.0% 0 years 4 years -1.5% -1.5% 0 years 5 years -2.0% -2.0% 0 years 6 years -2.5% -2.5% 0 years 7 years -3.0% -3.0% 0 years 8 years -4.0% -4.0% 0 years 9+ years -5.0% -5.0% 1 year 1 year 0.0% 0.0% 1 year 2 years 0.0% 0.0% 1 year 3 years -1.0% -1.0% 1 year 4 years -1.5% -1.5% 1 year 5 years -2.0% -2.0% 1 year 6 years -2.5% -2.5% 1 year 7 years -3.0% -3.0% 1 year 8 years -4.0% -4.0% 1 year 9+ years -5.0% -5.0%


Home and Contents: Charts Discounts and surcharges charts (continued) Premier Client Discount (continued)

Risk Customer Loss free tenure tenure No Yes 2 years 2 years 0.0% 0.0% 2 years 3 years -1.0% -1.0% 2 years 4 years -1.5% -1.5% 2 years 5 years -2.0% -2.0% 2 years 6 years -2.5% -2.5% 2 years 7 years -3.0% -3.0% 2 years 8 years -4.0% -4.0% 2 years 9+ years -5.0% -5.0% 3 years 3+ years 0.0% -5.0% 4 years 4+ years 0.0% -5.8% 5 years 5+ years 0.0% -6.6% 6 years 6+ years 0.0% -7.5% 7 years 7+ years 0.0% -8.3% 8 years 8+ years 0.0% -9.1%

9+ years 9+ years 0.0% -10.0%

Surcharges

Deluxe house or vacation home

house

City home house

Condominium,


Cancellation surcharge 10% 10% 10% Rented to others surcharge 25% N/A 25% Rental unit N/A 5% N/A Vacation home house nonoccupancy surcharge*

10% N/A N/A

Undervalue surcharge* 20% 20% N/A Renovation or construction surcharge* 25% N/A N/A Renovation surcharge* N/A 25% N/A Vacant house surcharge (Deluxe house only)*

25% 25% N/A

*Applied by Company.


Home and Contents: Charts Discounts and surcharges charts (continued) Claims rating factor

Amount of house coverage $1,000,000 or less Risk tenure

Number of losses 0 1 2 3 4 5+

1 year 0.0% 20.0% 44.0% 72.5% 107.5% 150.0% 2 years 0.0% 16.0% 39.2% 66.8% 100.5% 141.3% 3 years -2.5% 12.0% 34.3% 61.2% 93.5% 132.7% 4 years -3.3% 8.0% 29.5% 55.5% 86.5% 124.0% 5 years -4.2% 5.3% 24.7% 49.7% 79.5% 115.5% 6 years -5.0% 2.7% 19.8% 43.8% 72.5% 107.0% 7 years -5.8% 0.0% 15.0% 38.0% 65.5% 98.5% 8 years -6.7% -2.5% 12.3% 32.0% 58.3% 89.8% 9+ years -7.5% -5.0% 9.5% 26.0% 51.0% 81.0%

Amount of house coverage equal to $2,000,000 Risk tenure


1 year 0.0% 15.0% 35.5% 60.0% 89.0% 123.0% 2 years 0.0% 10.8% 30.7% 54.2% 82.2% 115.0% 3 years -2.5% 6.7% 25.8% 48.3% 75.3% 107.0% 4 years -3.3% 2.5% 21.0% 42.5% 68.5% 99.0% 5 years -4.2% 0.8% 17.0% 37.8% 62.8% 92.3% 6 years -5.0% -0.8% 13.0% 33.2% 57.2% 85.7% 7 years -5.8% -2.5% 9.0% 28.5% 51.5% 79.0% 8 years -6.7% -3.8% 5.8% 24.8% 47.0% 73.8% 9+ years -7.5% -5.0% 2.5% 21.0% 42.5% 68.5%


Amount of house coverage $5,000,000 or greater Risk tenure


1 year 0.0% 10.0% 26.5% 45.5% 67.5% 92.5% 2 years 0.0% 6.7% 22.7% 41.2% 62.5% 86.8% 3 years -5.0% 3.3% 18.8% 36.8% 57.5% 81.2% 4 years -5.8% 0.0% 15.0% 32.5% 52.5% 75.5% 5 years -6.6% -1.7% 11.7% 28.7% 48.0% 70.3% 6 years -7.5% -3.3% 8.3% 24.8% 43.5% 65.2% 7 years -8.3% -5.0% 5.0% 21.0% 39.0% 60.0% 8 years -9.1% -6.2% 2.5% 18.0% 35.5% 56.0% 9+ years -10.0% -7.5% 0.0% 15.0% 32.0% 52.0%



Home and Contents: Charts Discounts and surcharges charts (continued) Claims rating factor (continued)

Amount of contents and additions and alterations coverage $250,000 or less Risk tenure


1 year 0.0% 20.0% 44.0% 72.5% 107.5% 150.0% 2 years 0.0% 16.0% 39.2% 66.8% 100.5% 141.3% 3 years -2.5% 12.0% 34.3% 61.2% 93.5% 132.7% 4 years -3.3% 8.0% 29.5% 55.5% 86.5% 124.0% 5 years -4.2% 5.3% 24.7% 49.7% 79.5% 115.5% 6 years -5.0% 2.7% 19.8% 43.8% 72.5% 107.0% 7 years -5.8% 0.0% 15.0% 38.0% 65.5% 98.5% 8 years -6.7% -2.5% 12.3% 32.0% 58.3% 89.8% 9+ years -7.5% -5.0% 9.5% 26.0% 51.0% 81.0%

Amount of contents and additions and alterations coverage equal to $500,000 Risk tenure


1 year 0.0% 15.0% 35.5% 60.0% 89.0% 123.0% 2 years 0.0% 10.8% 30.7% 54.2% 82.2% 115.0% 3 years -2.5% 6.7% 25.8% 48.3% 75.3% 107.0% 4 years -3.3% 2.5% 21.0% 42.5% 68.5% 99.0% 5 years -4.2% 0.8% 17.0% 37.8% 62.8% 92.3% 6 years -5.0% -0.8% 13.0% 33.2% 57.2% 85.7% 7 years -5.8% -2.5% 9.0% 28.5% 51.5% 79.0% 8 years -6.7% -3.8% 5.8% 24.8% 47.0% 73.8% 9+ years -7.5% -5.0% 2.5% 21.0% 42.5% 68.5%


Amount of contents and additions and alterations coverage $1,000,000 or greater Risk tenure


1 year 0.0% 10.0% 26.5% 45.5% 67.5% 92.5% 2 years 0.0% 6.7% 22.7% 41.2% 62.5% 86.8% 3 years -5.0% 3.3% 18.8% 36.8% 57.5% 81.2% 4 years -5.8% 0.0% 15.0% 32.5% 52.5% 75.5% 5 years -6.6% -1.7% 11.7% 28.7% 48.0% 70.3% 6 years -7.5% -3.3% 8.3% 24.8% 43.5% 65.2% 7 years -8.3% -5.0% 5.0% 21.0% 39.0% 60.0% 8 years -9.1% -6.2% 2.5% 18.0% 35.5% 56.0% 9+ years -10.0% -7.5% 0.0% 15.0% 32.0% 52.0%



Home and Contents: Charts Tier factor chart

Tier

House factor

Condominium, cooperative, or renters factor

1 0.62890 0.72900 2 0.66680 0.76370 3 0.70710 0.79990 4 0.75050 0.83800 5 0.79760 0.87850 6 0.84530 0.92060 7 0.89680 0.96430 8 0.95060 1.01020 9 1.00770 1.05820 10 1.06960 1.10870 11 1.13410 1.16160 12 1.20320 1.21700 13 1.28630 1.27980 14 1.36580 1.34170 15 1.44970 1.40570 16 1.53710 1.47330 17 1.66510 1.57620 18 1.76530 1.64440 19 2.17950 1.96620 20 1.00000 1.00000


Home and Contents: Charts Dollar adjustments charts Liability Liability is rated in the state where the Primary residence (first location with liability) is located.

Primary location Each additional location Any liability Personal liability Excess only* Is coverage provided for Building

and/or contents? Is coverage provided for Building and/or contents?

Amount of coverage

Yes

No

Yes

No

$ 50,000 $ 0 $ 15 $ 0 $ 15 N/A $ 100,000 $ 43 $ 58 $ 10 $ 25 N/A $ 200,000 $ 72 $ 87 $ 15 $ 30 N/A $ 300,000 $ 97 $ 112 $ 19 $ 34 N/A $ 500,000 $ 128 $ 143 $ 24 $ 39 N/A $ 1,000,000 $ 141 $ 156 $ 28 $ 43 $ 22 $ 2,000,000 $ 167 $ 182 $ 32 $ 47 $ 26 $ 3,000,000 $ 184 $ 199 $ 33 $ 48 $ 28 $ 5,000,000 $ 206 $ 221 $ 40 $ 55 $ 32 $10,000,000 $ 266 $ 281 $ 42 $ 57 $ 43

*These premiums only apply when the insured requests building and/or contents coverage for one or more locations. No personal liability coverage. Subtract $15 for each location that building and/or contents coverage is provided if no personal liability coverage is provided. House replacement cost Subtract $5 if verified or conditional replacement cost payment basis applies in lieu of extended replacement cost payment basis. House replacement cost can only be applied by the Company. Employment practices liability Add the amount from the following chart based on the amount of coverage selected. The coverage is always rated at one residence and the residence must be listed for Personal liability coverage.

Charge for Employment practices liability coverage with a $10,000 deductible Employment practices liability Reputational injury Code

Amount of coverage


Amount of coverage


Additional premium

A $250,000 $500,000 $25,000 $25,000 $ 650 B $500,000 $500,000 $50,000 $50,000 $ 975


Home and Contents: Charts Dollar adjustments charts (continued)

Homeowner/unit assessments

For each additional $1,000 homeowner/unit assessments coverage over $50,000, add:

For each additional $1,000 coverage for an assessment due to a deductible in the homeowner, condominium, or cooperative association’s insurance over $5,000, add:

Deluxe house $2 $2 Vacation home house $2 $2 City home house $2 $2 Deluxe condominium or cooperative $2 $2 Standard condominium or cooperative $2 $2 Refer to Company for: a total amount of homeowner or unit assessments coverage greater than $500,000 or greater than the amount of

coverage for house, or the combined amount of coverage for additions and alterations and contents; or for an amount exceeding $50,000 for coverage for an assessment due to a deductible in the homeowners ,

condominium, or cooperative association’s insurance. Landscaping For each additional

$1,000 landscaping coverage over 5% of the amount of house coverage and 10% of the amount of contents coverage, add:

For each additional $5,000 over $10,000 for any one tree, shrub, or plant, add:

Deluxe house $4 $50 Vacation home house $4 $50 Deluxe and standard condominium, cooperative, or renters

$4 $50

Refer to company to increase coverage for landscaping: • over $250,000 for the total amount of landscaping coverage; or • over $50,000 for the amount of coverage for any tree, shrub or plant.


Home and Contents: Charts Dollar Adjustments charts (continued) Landscaping – wind and hail coverage For each $1,000 landscaping coverage with the

perils of wind and hail included, add: Deluxe house $15 Vacation home house $15 Deluxe and standard condominium, cooperative, or renters

$15

This increased coverage will be added by the Company. Landscaping – sleet and weight of ice and snow coverage For each $1,000 landscaping coverage with the


Deluxe house $15 Vacation home house $15 Deluxe and standard condominium, cooperative, or renters

$15

This increased coverage will be added by the Company. City garden coverage For each additional $1,000

city garden coverage over 5% of the amount of city home house coverage, add:

For each additional $5,000 over $10,000 for any tree, shrub, or plant, add:

City home house $4 $50 Refer to company to increase coverage for landscaping: • over $250,000 for the total amount of landscaping coverage; or • over $50,000 for the amount of coverage for any tree, shrub or plant. City garden coverage – wind and hail coverage For each $1,000 city garden coverage with the

perils of wind and hail included, add: City home house $15 This increased coverage will be added by the Company. City garden coverage – sleet and weight of ice and snow coverage For each $1,000 city garden coverage with the


City home house $15 This increased coverage will be added by the Company.


Home and Contents: Charts Dollar Adjustments charts (continued) Business property For each additional $1,000 on premises business

property coverage over $25,000, add: Deluxe contents $5 Standard contents $5 Fire contents $5 City home contents $5 Deluxe condominium, cooperative, or renters $5 Standard condominium, cooperative, or renters $5 For a total amount of business property coverage greater than $250,000, refer to Company. The increased coverage will be applied by the Company. Student additional living expenses For $5,000 student

additional living expenses coverage, add:

For each $1,000 student additional living expenses coverage, greater than $5,000, add:

Deluxe contents $25 $1.50 Standard contents $25 $1.50 Fire contents $25 $1.50 City home contents $25 $1.50 Deluxe condominium, cooperative, or renters $25 $1.50 Standard condominium, cooperative, or renters $25 $1.50 For a total amount of student additional living expenses coverage greater than $250,000, refer to Company. The increased coverage will be applied by the Company. Assisted living care coverage – contents of a relative-in-care

For the first $5,000 assisted living care coverage – contents of a relative-in-care, add:

For each $1,000 assisted living care coverage – contents of a relative-in-care, greater than $5,000, add:

Deluxe contents $50 $5 Standard contents $50 $5 City home contents $50 $5 Deluxe condominium, cooperative, or renters $50 $5 Standard condominium, cooperative, or renters $50 $5 For a total amount of assisted living care coverage greater than $250,000, refer to Company. The increased coverage will be applied by the Company. Family protection coverage The premium for Family protection coverage is $110. Earthquake coverage For a house add $0.60 for every $1,000 of house coverage. For a house with GreenWise upgrade coverage, multiply the earthquake rate by 1.05.


Date post:	17-Oct-2021
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