|Allegany, Broome, Cattaraugus, Cayuga, Chautauqua, Chemung, Chenango, Essex, Franklin, Fulton, Genesee, Hamilton, Herkimer, Jefferson, Lewis, Livingston, Madison, Monroe, Montgomery, Niagara, Oneida, Onondaga, Ontario, Orleans, Oswego, Otsego, St. Lawrence, Saratoga, Schenectady, Schoharie, Schuyler, Seneca, Steuben, Tioga, Tompkins, Warren, Washington, Wayne, Wyoming and Yates Counties|
|Amount of Insurance||Owner||Loan|
|35,001||-||50,000||356.00 + 7.92 / 1,000||299.00 + 6.61 / 1,000|
|50,001||-||100,000||474.80 + 4.94 / 1,000||398.15 + 4.10 / 1,000|
|100,001||-||500,000||721.80 + 3.98 / 1,000||603.15 + 3.31 / 1,000|
|500,001||-||1,000,000||2,313.80 + 3.56 / 1,000||1,927.15 + 2.96 / 1,000|
|1,000,001||-||5,000,000||4,093.80 + 3.25 / 1,000||3,407.15 + 2.71 / 1,000|
|5,000,001||-||10,000,000||17,093.80 + 2.96 / 1,000||14,247.15 + 2.47 / 1,000|
|10,000,001||-||15,000,000||31,893.80 + 2.76 / 1,000||26,597.15 + 2.31 / 1,000|
|15,000,000||-||45,693.80 + 2.48 / 1,000||38,147.15 + 2.07 / 1,000|
When Owners* and Mortgage Policies are being issued pursuant to the same closing, the Mortgage Policy shall be issued at a reduced rate known as the Simultaneous Mortgage Rate.
The Owners* Policy is charged the full Owners Rate and the Simultaneous Mortgage Policy is charged at 30% of the applicable Mortgage Rate up to the amount of the Owners Policy, Any excess is charged at the full Mortgage Rate.
*Owners Policy also applies to Leasehold Policies and Construction Loan Policies,
A Refinance or Subordinate Mortgage Policy issued within ten years of a previously insured mortgage or fee interest where the premises are identical, there has been no change of ownership, and the amount is less than $250,000 shall be charged 50% of the Mortgage Rate on the liability up to the amount of the existing indebtedness and 100% of the Mortgage Rate on any liability in excess of the existing Indebtedness.
A Refinance or Subordinate Mortgage Policy issued within ten years of a previously insured mortgage or fee interest where the premises are identical, there has been no change of ownership, and the amount is more than $250,000 shall be charged 70% of the Mortgage Rate on the liability up to the amount of the existing Indebtedness and 100% of the Mortgage Rate on any liability in excess of the existing Indebtedness.