Home improvement centers are defined as building material dealers characterized by an extensive store operation handling a wide variety of products in addition to normal building materials and related hardware items. A home improvement center contemplates both inside sales and outside yard operations. No secondhand building materials or lumber. Applicable to risks dealing in at least three of the following classifications of materials: 1. Coal, fuel oil, wood, or ice 2. New building materials including lumber 3. Hay, grain, feed, or seed 4. Agricultural implements. Grain elevator operation to be separately rated. Home improvement centers are defined as building material dealers characterized by an extensive store operation handling a wide variety of products in addition to normal building materials and related hardware items. A home improvement center contemplates both inside sales and outside yard operations.