Ins 4.10(13)(13) Reasonable underwriting standards for liability coverage. The following characteristics may be used in determining whether a risk is acceptable for liability insurance on homeowner policies: Ins 4.10(13)(a)(a) Liability insurance shall only be provided as contained in the Wisconsin Insurance Plan homeowners policy. Ins 4.10(13)(c)(c) Liability insurance shall not be provided for risks with any of the following deficiencies, as disclosed by the application or inspection, until they have been corrected. Ins 4.10(13)(c)1.1. Broken, cracked, uneven or otherwise faulty steps, porches, decks, sidewalks, patios and similar areas. Ins 4.10(13)(c)2.2. Downspouts or drains which discharge onto sidewalks or driveways. Ins 4.10(13)(c)4.4. Animals known to be vicious or animals which have caused a liability claim. Ins 4.10(13)(c)5.5. Swimming pools or private ponds not fenced in accordance with local regulations. Ins 4.10(13)(c)7.7. Junk cars, empty refrigerators or other potentially dangerous objects in the yard which are an attraction to children. Ins 4.10(13)(d)(d) Previous loss history or matters of public record concerning the applicant or any person defined as an insured under the policy. Ins 4.10(13)(e)(e) Any other guidelines which have been approved by the commissioner. Ins 4.10(13)(f)(f) Liability insurance may not be provided where there is a business operating at the insured location, unless the applicant has in force a business liability policy with limits of at least $100,000 per occurrence providing premises liability coverage. Ins 4.10(13)(g)(g) Liability insurance shall not be provided where the applicant owns three or more horses or other riding animals, unless the applicant has in force a liability policy with limits of at least $100,000 per occurrence providing coverage for the ownership and use of these horses or these other riding animals. Ins 4.10(14)(14) Cancellation; nonrenewal and limitations; review of eligibility. Ins 4.10(14)(a)(a) The Plan shall not cancel or refuse to renew a policy issued by the Plan except for the following: Ins 4.10(14)(a)1.1. Facts as confirmed by inspection or investigation which would have been grounds for nonacceptance of the risk by the Plan had they been known to the Plan at the time of acceptance. Ins 4.10(14)(a)2.2. Changes in the physical condition of the property or other changed conditions as confirmed by inspection or investigation that make the risk uninsurable under sub. (12) or (13). Ins 4.10(14)(a)4.4. At least 65% of the rental units in the building are unoccupied, and the insured has not received prior approval from the Plan of a rehabilitation program which necessitates a high degree of unoccupancy. Ins 4.10(14)(a)5.5. Unrepaired damage exists and the insured has stated that repairs will not be made or such time has elapsed as clearly indicates that the damage will not be repaired. The elapsed time under this subdivision is a length of time over 60 days where the damage remains unrepaired, unless there are known to be extenuating circumstances. Ins 4.10(14)(a)6.6. After a loss, permanent repairs following payment of the claim have not been commenced within 60 days, unless there are known to be extenuating circumstances. The 60-day period starts upon acceptance of payment of the claim. Ins 4.10(14)(a)8.8. Utilities such as electric, gas or water services have been disconnected or the insured has failed to pay an account for such services within 120 days; Ins 4.10(14)(a)9.9. Real estate taxes have not been paid for a 2-year period after the taxes have become delinquent. Real estate taxes shall not be deemed to be delinquent for this purpose if they are due and constitute a lien, so long as a grace period remains under local law under which taxes may be paid without penalty. Ins 4.10(14)(a)10.10. There is good cause to believe based on reliable information that the building will be burned for the purpose of collecting the insurance on the property. The removal of damaged salvageable items, such as normally permanent fixtures, from the building shall be considered under this item when the insured can give no reasonable explanation of such removal. Ins 4.10(14)(a)11.11. A named insured or loss payee or other person having a financial interest in the property being convicted of the crime of arson or a crime involving a purpose to defraud an insurance company. The fact that an appeal has been entered shall not negate the use of this subdivision. Ins 4.10(14)(a)12.12. The property has been subject to more than 2 losses, each loss amounting to at least $500 or 1% of the insurance in force, whichever is greater, in the immediately preceding 12-month period, or more than 3 such losses in the immediately preceding 24-month period, provided that the cause of such losses is due to the conditions which are the responsibility of the owner named insured or due to the actions of any person defined as an insured under the policy. Ins 4.10(14)(a)13.13. Theft frequency in which there have been more than 2 thefts, each loss amounting to at least $500 in a 12-month period.