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As an independent agent appointed with Frontier General Insurance Agency, two varieties of a HO-A Homeowners Policy and a Texas Dwelling Policy Form 1 (TDP-1) are currently available from its affiliate, Wellington Insurance Company. In addition to the Wellington Value and Wellington Standard programs, Frontier General has partnered with an unaffiliated third party insurance company to secure authority for a preferred product tier. The preferred homeowners program and access to the federally supported flood insurance program are both scheduled for release in the fall of 2007.

All homeowners programs are written on a HO-A policy form which provides coverage for eight Named Perils (Fire and Lightning, Smoke, Windstorm/Hail, Explosion, Aircraft and Vehicles, Vandalism, Riot, and Theft). Coverage applies both to Dwelling and Contents. The TDP-1 policy offered covers the same named perils as the HO-A except Theft is not covered. Typically the TDP-1 policy is purchased to cover rental property. Additional perils offered in the Homeowners policy with the Limited Water Damage endorsement include the fall of trees or limbs, objects falling from the weight of ice, snow or sleet, collapse, and glass breakage on the Dwelling, all within the same sub-limit. Current homeowners programs do not provide windstorm, hurricane and hail coverage for property located in the Texas designated Tier-1 catastrophe area consisting of 14 coastal counties and a portion of Harris County on Galveston Bay. For risks located in these jurisdictions, coverage for these exposures is typically coordinated through the Texas Windstorm Insurance Association or private insurers.

As the product offering from Frontier General matures, look often for additional personal and commercial lines programs to become available at competitive rates and coverages.

Homeowners Insurance Programs

The following provides an optical schematic of Homeowners Insurance Programs available through Frontier General Insurance Agency:

Coverages Standard Value
Policy Form HO-A HO-A
Policy Term 12 Months 12 Months
Deductibles
Base 1% of Coverage A 1% of Coverage A
Optional 2% to 5% Not Available
Coverage A: Dwelling Replacement Cost Actual Cash Value
Other Structures 10% of Coverage A 10% of Coverage A
Coverage B: Personal Property 50% of Coverage A 40% of Coverage A
Special Limits:
Money, Bank Cards $100 $100
Bullion/Valuable Papers $500 $500
Jewelry, Watches, Fur $500 $500
Business Personal Property $2,500 $2,500
Coverage Extensions:
Loss of Use 10% of Coverage A 10% of Coverage A
Debris Removal Yes Yes
Reasonable Repairs Yes Yes
Trees, Shrubs, Plants $250 $250
Collapse Optional No
Water Damage (sudden/accidental) Optional No
Falling Objects Optional No
Coverage C: Personal Liability Up to $300,000 Up to $50,000
Additional Coverages:
Claim Expense Yes Yes
First Aid Expense Yes Yes
Damage property of others $500 $500
Coverage D: Medical Payments Up to $5,000 Up to $1,000
Covered Perils
Dwelling Values Up to $300,000 Up to $150,000
Fire and Lightning Yes Yes
Riot and Civil Commotion Yes Yes
Aircraft Yes Yes
Windstorm, Hurricane, Hail Yes† Yes†
Explosion Yes Yes
Damage by Vehicles Yes Yes
Smoke Yes Yes
Vandalism Yes Yes
Water Damage (sudden/accidental) Optional†† No
Falling Objects Optional No
Weight of Ice/Snow/Sleet Optional No
Collapse Optional No
Glass Breakage Optional No
Theft Yes Yes
Extensions
Additional Living Expense Yes Yes
Replacement Cost - Dwelling Yes No
Replacement Cost - Personal Property Optional No
Mold Remediation Optional Optional
Personal Liability Up to $300,000 Up to $50,000
Optional
Scheduled Personal Property No No
Business Pursuits Liability No No
Personal Computer Coverage No No
Residential Glass Optional No
Payment Options Yes Yes
† Exclusion may apply for locations that are eligible for property coverage by the Texas Windstorm Insurance Association.
†† Limited sudden/accidental water damage coverage up to $5,000.

Dwelling Insurance Programs

The following provides an optical schematic of Dwelling Insurance Programs available through Frontier General Insurance Agency:

Coverages Standard Value
Policy Form TDP Form 1 TDP Form 1
Policy Term 12 Months 12 Months
Commission 15% 20%
Deductibles
Base 1% of Coverage A 1% of Coverage A†
Optional 2% to 5% None
Coverage A: Dwelling Replacement Cost Actual Cash Value
Other Structures 10% of Coverage A 10% of Coverage A
Coverage B: Personal Property 50% of Coverage A 30% of Coverage A
Coverage Extensions:
Debris Removal Yes Yes
Improvements, Alterations Yes Yes
Reasonable Repairs Yes Yes
Property Removed Yes Yes
Consequential Loss Yes Yes
Personal Liability Optional No
Covered Perils
Dwelling Values Up to $300,000 Up to $150,000
Fire and Lightning Yes Yes
Smoke Yes Yes
Windstorm, Hurricane, Hail Yes†† Yes††
Explosion Yes Yes
Aircraft and Vehicles Yes Yes
Riot and Civil Commotion Yes Yes
Vandalism and Malicious Mischief Yes Yes
Extensions
Replacement Cost - Dwelling Yes No
Replacement Cost - Personal Property Optional No
Mold Remediation Optional Optional
Fair Rental Value Optional No
Optional
Coverage C: Personal Liability Up to $100,000 No
Additional Coverages:
Claim Expense Yes No
First Aid Expense Yes No
Damage property of others Yes No
Coverage D: Medical Payments Up to $2,000 No
Rental Property Yes Yes
Vacant Property Yes No
Residential Glass Yes No
Seasonal Property Yes No
Payment Options Yes Yes
† Deductible subject to $250 minimum.
†† Exclusion may apply for locations that are eligible for property coverage by the Texas Windstorm Insurance Association.