Changes Effective 11/1/2023

For new and renewal policies effective November 1, 2023 and after, the following changes are being implemented for the Agri-Pak line of business:

• Replacement cost coverage is being offered on Class A and Class B outbuildings. See page 26 of the Agri-Pak manual for underwriting and rating information. Also, we have developed a basic guide to help determine outbuilding replacement costs.
• A cosmetic damage limitation for metal and vinyl roofing and metal and vinyl siding is being implemented. This applies to dwellings and outbuildings. The limit will be either 10% or 20% of replacement cost depending on the loss settlement type. See page 2 and top of page 3 of the AP-21 Amendatory Endorsement form for further information.
• The special limit for non-composition and non-metal roofs has been increased. See the "Roof Endorsement" section on page 3 of the AP-21 Amendatory Endorsement form for further information.
• Higher limits of backup of sewers, drains, and sumps are now available. See the BFM-011 Special Protection Coverages form to see the new limits. Please submit a policy change to increase the existing limit on a policy.

The AP-21 Amendatory Endorsement form will be sent to existing policyholders at their next renewal on or after November 1, 2023. Please review this with them.


For new and renewal policies effective November 1, 2023 and after, the following changes are being implemented for the Homeowners line of business:

• Higher limits of backup of sewers, drains, and sumps are now available. See the BFM-011 Special Protection Coverages form to see the new limits. Please submit a policy change to us to increase the limit.
• Note, while not effective yet, a special limit increase for non-composition and non-metal roofs similar to the Agri-Pak will be coming soon.

For new and renewal policies effective November 1, 2023 and after, the following changes are being implemented for the Inland Marine line of business:

• Farm Machinery rates have been increased. See page 7 of the Inland Marine manual for more information.

The down payment and billing schedule for the Monthly AutoPay plan for new business has been changed. See page 3 of the Billing Manual for more information.
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