Mississippi Windstorm Underwriting Association
Rates for Windstorm and Hail Insurance
Dwelling (1-4 Family,
All Protection Classes) and Mobile Homes
Rates per $100 of
Coverage
(Effective June 1, 2008)
|
Frame Construction Dwellings |
Named Storm Deductible Amount $500 Minimum Deductible |
||||
|
Location |
2% |
5% |
10% | 15% |
20% |
|
Zone A (Beach to RR Track) |
$1.389 |
$1.208 |
$1.083 | $0.986 |
$0.903 |
|
Zone B (South I-10 to RR Track) |
$1.355 |
$1.179 |
$1.057 | $0.962 |
$0.881 |
|
Zone C (North I-10 to County Line) |
$1.161 |
$1.010 |
$0.906 | $0.824 |
$0.755 |
|
Zone D (Pearl River, Stone, George Counties) |
$1.036 |
$0.901 |
$0.808 | $0.736 |
$0.673 |
|
|
$1000 Minimum Deductible |
||||
|
Zone A (Beach to RR Track) |
$1.249 |
$1.087 |
$0.974 | $0.887 |
$0.812 |
|
Zone B (South I-10 to RR Track) |
$1.218 |
$1.060 |
$0.950 | $0.865 |
$0.792 |
|
Zone C (North I-10 to County Line) |
$1.046 |
$0.910 |
$0.816 | $0.743 |
$0.680 |
|
Zone D (Pearl River, Stone, George Counties) |
$0.934 |
$0.813 |
$0.729 | $0.663 |
$0.607 |
|
|
$2500 Minimum Deductible |
||||
|
Zone A (Beach to RR Track) |
$1.181 |
$1.027 |
$0.921 | $0.839 |
$0.768 |
|
Zone B (South I-10 to RR Track) |
$1.151 |
$1.001 |
$0.898 | $0.817 |
$0.748 |
|
Zone C (North I-10 to County Line) |
$0.986 |
$0.858 |
$0.769 | $0.700 |
$0.641 |
|
Zone D (Pearl River, Stone, George Counties) |
$0.880 |
$0.766 |
$0.686 | $0.625 |
$0.572 |
|
Masonry Construction Dwellings |
Named Storm Deductible Amount $500 Minimum Deductible |
||||
|
Location |
2% |
5% |
10% | 15% |
20% |
|
Zone A (Beach to RR Track) |
$1.323 |
$1.151 |
$1.032 | $0.939 |
$0.860 |
|
Zone B (South I-10 to RR Track) |
$1.290 |
$1.122 |
$1.006 | $0.916 |
$0.839 |
|
Zone C (North I-10 to County Line) |
$1.106 |
$0.962 |
$0.863 | $0.785 |
$0.719 |
|
Zone D (Pearl River, Stone, George Counties) |
$0.988 |
$0.860 |
$0.771 | $0.701 |
$0.642 |
|
|
$1000 Minimum Deductible |
||||
|
Zone A (Beach to RR Track) |
$1.189 |
$1.034 |
$0.927 | $0.844 |
$0.773 |
|
Zone B (South I-10 to RR Track) |
$1.159 |
$1.008 |
$0.904 | $0.823 |
$0.753 |
|
Zone C (North I-10 to County Line) |
$0.995 |
$0.866 |
$0.776 | $0.706 |
$0.647 |
|
Zone D (Pearl River, Stone, George Counties) |
$0.889 |
$0.773 |
$0.693 | $0.631 |
$0.578 |
|
|
$2500 Minimum Deductible |
||||
|
Zone A (Beach to RR Track) |
$1.124 |
$0.978 |
$0.877 | $0.798 |
$0.731 |
|
Zone B (South I-10 to RR Track) |
$1.096 |
$0.954 |
$0.855 | $0.778 |
$0.712 |
|
Zone C (North I-10 to County Line) |
$0.941 |
$0.819 |
$0.734 | $0.668 |
$0.612 |
|
Zone D (Pearl River, Stone, George Counties) |
$0.841 |
$0.732 |
$0.656 | $0.597 |
$0.547 |
MOBILE HOMES
|
Named Storm Deductible Amount ($500 Minimum Ded.) |
2% |
5% |
10% | 15% |
20% |
| Mobile Homes | |||||
|
Zone A (Beach to RR Track) |
$2.457 |
$2.138 |
$1.916 | $1.744 |
$1.597 |
|
Zone B (South I-10 to RR Track) |
$2.147 |
$1.868 |
$1.675 | $1.524 |
$1.396 |
|
Zone C (North I-10 to County Line) |
$1.841 |
$1.602 |
$1.436 | $1.307 |
$1.197 |
|
Zone D (Pearl River, Stone, George Counties) |
$1.645 |
$1.431 |
$1.283 | $1.168 |
$1.069 |
* All mobile homes and commercial risks located on an island in the Mississippi Sound will be charged a rate calculated by multiplying the otherwise applicable rate by a factor of 3.50
Please contact MWUA Office for dwelling rates of risks located on the Barrier Islands and Special Dwelling types.
Multiply these rates x's each $100 of coverage
(Effective June 1, 2008)
Standard 2% Deductible $750 Minimum with 80% Co-Insurance
Apply Optional Named Storm Deductible Factors and Optional Co-Insurance factors to these rates
|
Commercial
other than Habitational |
2% Deductible - 80% Co-Insurance Rate |
|||
Construction |
Zone A |
Zone B |
Zone C |
Zone D |
|
Wind Resistive (AA) |
0.601 |
0.526 |
0.452 |
0.403 |
|
Semi-Wind Resistive (A) |
0.899 |
0.787 |
0.675 |
0.603 |
|
Masonry (B,S,B-E,B-HT,S-IC) |
2.410 | 2.110 | 1.810 | 1.616 |
| Frame (D,BV,SIC,IC,P,HT,HCB,E) |
3.019 |
2.643 | 2.267 | 2.024 |
|
Habitational
(Apartments, Rooming Houses, & Motels without Restaurants) |
2% Deductible - 80% Co-Insurance Rate |
|||
Construction |
Zone A |
Zone B |
Zone C |
Zone D |
|
Wind Resistive (AA) |
0.615 |
0.539 |
0.462 |
0.412 |
|
Semi-Wind Resistive (A) |
1.221 |
1.069 |
0.917 |
0.819 |
|
All Other Construction |
2.546 | 2.229 | 1.912 | 1.707 |
| Named Storm Deductible | |
| 2% | 1.0 |
| 5% | .87 |
| 10% | .78 |
| 15% | .71 |
| 20% | .65 |
| Co-Insurance Factors | |
| 100% | .90 |
| 90% | .95 |
| 80% | 1.0 |
| 50% | 1.50 |
| 0% | 2.50 |
Above rates apply except where; E Wall charge is applicable and slight rounding variations may occur when applying additional factors. Rates produced by MWUA policy management system shall be the final rate.
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