|
|
Vehicles: Auto | Motorcycle & Powersport | Boat & Watercraft | RV
Property: Homeowner | Condominium | Renter | Flood
Get a Quote | Report a Claim
|
Auto Insurance |
|
|
Auto Coverages |
|
|
Liability Insurance |
Required by law in Texas, liability insurance is a fixed amount of coverage that pays for damages to other people or property that the insured is required to pay following an accident. Liability insurance does not cover the costs to repair your own vehicle. |
|
|
Collision Insurance |
Collision insurance covers the costs of repairing or replacing your car after an accident. Payment is based on your car's actual cash value (market value of a car like yours without damage) minus your deductible. Collision insurance is typically required by your lender until your car is paid off. |
|
|
Comprehensive Insurance |
Comprehensive insurance covers the costs of repairing or replacing your car if it receives damage in some way other than a collision (such as damage from flood, fire, vandalism, hail, or if it is stolen). Also covers temporary rental car expenses if your car is stolen. If your car is stolen, you must report the theft to the police. Payment is based on your car's actual cash value (market value of a car like yours without damage) minus your deductible. Comprehensive insurance is typically required by your lender until your car is paid off. |
|
|
Uninsured / Underinsured Motorist (UM/UIM) |
Uninsured / Uninsured Motorist covers your expenses from an accident if you are hit by someone who either does not have insurance or does not have enough insurance to cover your bills (up to your policy's limits). This type of insurance also covers expenses from accidents caused by a hit-and-run driver if that accident is reported to police promptly. |
|
|
Personal Injury Protection (PIP) |
Personal Injury Protection offers the same type of coverage as Medical Expenses coverage, plus 80% of lost income and costs related to hiring a caregiver for an injured person. It covers you, your family members and passengers in your car regardless of fault. |
|
|
Medical Expenses |
Medical Expenses (also referred to as Medical Payments) covers medical and funeral bills for you, your family members, and the passengers in your car resulting from an accident regardless of fault. |
|
|
Towing and Labor |
Towing and Labor covers towing charges when your car cannot be driven as well as labor charges related to services such as changing a tire at the location where your car became stranded. |
|
|
Rental Reimbursement |
Rental Reimbursement covers a set daily dollar amount for rental car expenses if your car is stolen or is being repaired because of damage that is covered by your policy. |
|
|
Gap Insurance |
Gap insurance covers the difference between the cash value of your vehicle and the amount that you still owe on it if it should need to be replaced because of an event covered by your policy. |
|
|
Loss of Income |
Loss of Income helps to cover wages that are lost because of injuries sustained in an auto accident. |
|
|
Stereo / Special Equipment |
Stereo / Special Equipment covers items and equipment that are not permanently installed in your vehicle such as CDs, cell phones, radar detectors and GPS units. |
|
|
|
Auto Discounts |
|
|
Accident-Free |
Saves you up to 10% if you have 5 or more years of driving experience and have had no chargeable accidents in the last 5 years. |
|
|
Accident Prevention / Defensive Driving |
Successfully completing an approved accident prevention course (defensive driving course) can save you money. Contact us to see how much you can save. |
|
|
Affinity |
Saves you up to 3% if you are a member of a qualifying organization. |
|
|
Anti-Theft |
Save money when you install an anti-theft device in your vehicle. Contact us to see how much you can save. |
|
|
Good Student |
Saves you up to 15% when your teenager earns a "B" average or better on his/her report card. |
|
|
Homeowner |
Save money when you insure both your home, condo or apartment and car with us. |
|
|
Long-Term Policy Holder |
Save up to 15% if you are insured with us for at least 5 years (up to 5% after 3 years). |
|
|
Multi-Car |
Save up to 20% when you insure more than one vehicle with us. |
|
|
Passive Restraints |
Receive a discount when your vehicle is equipped with full front-seat airbags or restraint devices that work automatically when the door closes. |
|
|
Safe Driver |
Earn discounts by maintaining a clean driving record. |
|
|
|
| Motorcycle & Powersport Insurance (ATVs, Segways) |
|
|
| Motorcycle & Powersport Coverages |
|
|
| Liability Insurance |
| Required by law in Texas, liability insurance is a fixed amount of coverage that pays for damages to other people or property that the insured is required to pay following an accident. Liability insurance does not cover the costs to repair your own vehicle. |
|
|
| Collision Insurance |
| Collision insurance covers the costs of repairing or replacing your bike after an accident. Payment is based on your motorcycle's actual cash value (market value of a bike like yours without damage) minus your deductible. Collision insurance is typically required by your lender until your motorcycle is paid off. |
|
|
| Comprehensive Insurance |
| Comprehensive insurance covers the costs of repairing or replacing your bike if it receives damage in some way other than a collision (such as damage from flood, fire, vandalism, hail, or if it is stolen) including custom parts and equipment. Also covers temporary rental car expenses if your motorcycle is stolen. If your bike is stolen, you must report the theft to the police. Payment is based on your motorcycle's actual cash value (market value of a bike like yours without damage) minus your deductible. Comprehensive insurance is typically required by your lender until your motorcycle is paid off. |
|
|
| Uninsured / Underinsured Motorist |
| Uninsured / Uninsured Motorist covers your expenses from an accident if you are hit by someone who either does not have insurance or does not have enough insurance to cover your bills (up to your policy's limits). This type of insurance also covers expenses from accidents caused by a hit-and-run driver if that accident is reported to police promptly. |
|
|
| Gap Insurance |
| Gap insurance covers the difference between the cash value of your vehicle and the amount that you still owe on it if it should need to be replaced because of an event covered by your policy. |
|
|
| Medical Expenses |
| Medical Expenses (also referred to as Medical Payments) covers medical and funeral bills for you, your family members, and the passengers in your car resulting from an accident regardless of fault. |
|
|
| Death & Dismemberment |
| Death & Dismemberment coverage supplements other benefits in the case of death or dismemberment resulting from injuries sustained while on the insured vehicle. |
|
|
| Trailer |
| Trailer coverage pays for damage to or loss of the trailer used to transport your insured vehicle. |
|
|
| Towing & Labor |
| Towing and Labor covers towing charges when your vehicle cannot be driven as well as labor charges related to services such as changing a tire at the location where your bike became stranded. |
|
|
| OEM Endorsement |
| OEM Endorsement covers original equipment manufacturer replacement in the event of a comprehensive or collision loss. |
|
|
| Rental Reimbursement |
| Rental Reimbursement covers a set daily dollar amount for rental car expenses if your vehicle is stolen or is being repaired because of damage that is covered by your policy. |
| |
|
|
| Motorcycle & Powersports Discounts |
|
|
| Accident-Free |
| Saves you up to 10% if you have 5 or more years of driving experience and have had no chargeable accidents in the last 5 years. |
|
|
| Affinity |
| Saves you up to 3% if you are a member of a qualifying organization. |
|
|
| Good Student |
| Save money if you are a full-time student between the ages of 16 and 24 and meet certain academic requirements. |
|
|
| Homeowner |
| Save money when you insure both your homeand vehicle with us. |
|
|
| Long-Term Policyholder |
| Save up to 15% if you are insured with us for at least 5 years (up to 5% after 3 years). |
|
|
| Multi-Policy |
| Save moneywhen you have multiple policies with us. |
|
|
| Multi-Vehicle |
| Receive a discount when you insure more than one motorcycle or powersport vehicle with us. One policy can support up to 12 vehicles. |
|
|
| Riding Association |
| Save up to 10% if you are a member of a riding association like American Motorcyclist Association (AMA). |
|
|
| Safe Driver |
| Earn discounts by maintaining a clean driving record. |
|
|
| Safety Course |
| Save up to 5% when you successfully complete an approved safety course. |
| |
|
|
| Boat & Watercraft Insurance |
|
|
| Boat & Watercraft Coverages |
|
|
| Liability Insurance |
| Covers bodily injury to others and property damage to others if you are at fault in an accident. Besides the medical costs of the other party, it can also pay for their lost wages and your legal expenses. Liability coverage does not cover damage to your vehicle or injury to you. |
|
|
| Collision Insurance |
| Collision insurance helps to pay for damages to your vehicle. This type of coverage is typically required until your boat / watercraft is paid off. |
|
|
| Comprehensive Insurance |
| Helps pay for damages to your boat or watercraft that are not caused by a collision. Examples include theft, vandalism, falling objects, fire, storms and certain natural disasters. This insurance can also cover custom parts and equipment. |
|
|
| Uninsured / Underinsured Boater |
| Helps to pay for damages to your boat or watercraft if it is damaged by an uninsured, underinsured or unidentified driver. This type of coverage also helps to pay medical costs for you and your passengers, and may also pay for lost wages and other damages. |
|
|
| Medical Payments |
| Medical Payments coverage helps to cover medical costs for you and your passengers regardless of fault in an accident. |
|
|
| Death & Dismemberment |
| Covers you if death or dismemberment results from injuries that are sustained while on the insured boat / watercraft. |
|
|
| Trailer |
| Pays for damages to or loss of the trailer that is used to transport your boat or watercraft. |
|
|
| On-Water Towing |
| Covers costs related to towing your disabled boat / watercraft to shore for repairs. Also covers costs associated with fuel or battery delivery. |
|
|
| Rental Reimbursement |
| Reimburses you for rental fees while required repairs are being made. |
|
|
| Roadside Assistance |
| Provides you with roadside assistance if you are stranded while towing your insured boat or watercraft. |
|
|
| Physical Damage |
| Covers physical damage to your boat or watercraft. Two types of physical damage coverage are available depending upon the age of your vessel: total loss replacement or agreed value. |
|
|
| Personal Valuables |
| Covers the costs of repairing or replacing personal valuables that are onboard the insured boat or watercraft. |
|
|
| Fishing Equipment |
| Covers the costs of repairing or replacing fishing equipment that is inboard the insured boat or watercraft. |
|
|
| Lifts & Hoists |
| Covers the costs of repairing or replacing necessary lifts and hoists for your insured boat or watercraft. |
|
|
| Shore Equipment |
| Covers the costs of repairing or replacing on-shore equipment required for your insured boat or watercraft. |
|
|
| Wreckage Removal |
| Covers the removal of wrecked vessels. |
|
|
| Pollution |
| Helps to protect you if your insured boat or watercraft is held liable for pollution. |
| |
|
|
| Boat & Watercraft Discounts |
|
|
| Boater Safety Course |
| Receive a discount when you complete an approved boater safety course. |
|
|
| Diesel Fuel Usage |
| Diesel fuel is less flammable than regular gasoline, so boats powered by diesel fuel are eligible to receive a discount. |
|
|
| Fire Extinguishers |
| Equipping your boat or watercraft with fire extinguishers may provide discounts. |
|
|
| Multi-Policy |
| Receive a discount on insuring your boat or watercraft when you also insure your vehicle and/or residence with us. |
|
|
| Multi-Vehicle |
| Save up to 30% when you insure all of your vehicles with us. |
|
|
| On-Board Radio |
| Equipping your boat or watercraft with a ship-to-shore radio may provide discounts. |
| |
|
|
| RV Insurance |
|
|
| RV Coverages |
|
|
| Liability Insurance |
| Covers bodily injury to others and property damage to others if you are at fault in an accident. Besides the medical costs of the other party, it can also pay for their lost wages and your legal expenses. Liability coverage does not cover damage to your vehicle or injury to you. |
|
|
| Collision Insurance |
| Collision insurance helps to pay for damages to your vehicle. This type of coverage is typically required until your vehicle is paid off. |
|
|
| Comprehensive Insurance |
| Helps pay for damages to your vehicle that are not caused by a collision. Examples include theft, vandalism, falling objects, fire, storms, flood and certain natural disasters. |
|
|
| Uninsured / Underinsured Driver |
| Helps to pay for damages to your vehicle if it is damaged by an uninsured, underinsured or unidentified driver. This type of coverage also helps to pay medical costs for you and your passengers, and may also pay for lost wages and other damages. |
|
|
| Medical Expenses |
| Medical Payments coverage helps to cover medical costs for you and your passengers regardless of fault in an accident. |
|
|
| Loss of Income |
| Helps to pay lost wages due to injuries resulting from an accident. |
|
|
| Trailer |
| Pays for damages to or loss of a trailer that is used to transport with your insured RV. This does not include travel trailers. |
|
|
| Towing & Labor |
| Covers costs related to towing your disabled vehicle. Also covers services such as battery jump-starting, tire changing and locksmith services. |
|
|
| Rental Reimbursement |
| Reimburses you for rental fees while required repairs are being made. |
|
|
| Roadside Assistance |
| Provides you with roadside assistance if you are stranded while traveling in your RV. |
|
|
| Emergency Travel |
| Covers the cost of a rental car and/or hotel expenses while your RV is being repaired during your trip. This coverage can also provide you with transportation home if your RV is not able to be repaired. |
|
|
| Full Timer |
| Designed for RV owners who live in their RV as their primary residence, this coverage includes personal liability, loss assessment, medical payments to others, airbag replacement and emergency lockout. |
|
|
| Personal Valuables |
| Covers the costs of repairing or replacing personal valuables that are carried in the insured RV. |
|
|
| Custom Equipment |
| Covers the costs of repairing or replacing custom equipment that was not originally installed on your RV. |
|
|
| Golf Cart |
| Covers the costs of repairing or replacing a golf cart that is carried by an insured RV. |
|
|
| Safety Glass Replacement |
| Covers damage caused to safety glass installed on an insured RV. |
|
|
| Awning Replacement |
| Covers the costs of repairing or replacing the awning installed on an insured RV. |
|
|
| Vacation Liability |
| Helps to protect you if you are held liable for damages while using your RV as a vacation residence. This coverage is not appropriate for people who use their RV as their primary residence. |
| |
|
|
| RV Discounts |
|
|
| Accident Free |
| Receive a discount when you maintain an accident-free driving record. |
|
|
| Homeowner |
| Receive a discount if you also have your home insured with us. |
|
|
| Long-Term Policyholder |
| Receive a discount if you are insured with us for at least 3 years. Receive a bigger reduction when you are insured with us for at least 5 years. |
|
|
| Multi-Policy |
| Receive a discount on insuring your RV when you also insure your other vehicles and/or residence with us. |
|
|
| Multi-Vehicle |
| Save when you insure all of your vehicles with us. |
|
|
| Paid in Full |
| Save money by paying your premium in full up front. |
|
|
| RV Association |
| Save 5% on your RV insurance when you belong to an RV Association. |
|
|
| Safe Driver |
| Receive a discount when you maintain a violation-free driving record. |
|
|
| Safety Accessories |
| Housing certain safety accessories such as fire extinguishers and audible alarms in the living area of your RV may entitle you to discounts. |
|
|
| Safety Course |
| Save up to 10% on your RV insurance by completing an approved RV Safety Course. |
| |
|
|
|
|
| Homeowners Insurance |
|
|
| Types of Home Policies |
|
|
| HO-A Policies |
| Provide extremely limited actual cash value coverage of your home and its contents. Only the types of damage specifically listed in your policy are covered. |
|
|
| HO-A Amended Policies |
| Provide more coverage than an HO-A policy, but less coverage than HO-B. |
|
|
| HO-B Policies |
| Provide replacement cost coverage for most types of damage unless specifically excluded by your policy. |
|
|
| HO-C Policies |
| Provide the most extensive coverage, but are also the most expensive policies. |
| |
|
|
| Home Coverages |
|
|
| Dwelling |
| Covers the house and attached structures in the case of accidental physical loss except losses excluded by the policy. Includes coverage for built-in or attached items such as built-in cabinets or wall-to-wall carpet. |
|
|
| Other Structures |
| Covers other buildings or structures on the property that are separated by clear space from the house including detached garages and gazebos. |
|
|
| Contents |
| Covers your personal property that is not attached or built into the home including furniture and clothing. |
|
|
| Scheduled Personal Property |
| Provides additional coverage for high value personal items which are not attached to or built into the home such as jewelry and artwork. |
|
|
| Personal Liability |
| Covers injury or damage to other people or their property for which you are held accountable. |
|
|
| Medical Payments |
| Covers medical or funeral expenses of people who are injured or killed on your property. Also covers some injuries to others which occur outside of your property, such as your dog biting someone. |
|
|
| Loss of Use |
| Covers additional essential living expenses such as temporary housing and food if your home is too damaged to live in while it is repaired. |
|
|
| Mold |
| Covers repairs due to mold, fungi and other microbes that result from a sudden water accident or steam. |
|
|
| Replacement Cost |
Pays up to an additional 20% of the dwelling coverage limit when the home is a total loss and additional money is necessary to rebuild. (such as when building expenses have increased since your home was originally built) |
|
|
| Extended Replacement Cost |
| Covers the replacement or repair of personal property without depreciation. |
|
|
| Ordinance or Law |
| Covers increased expenses associated with rebuilding due to current building codes or ordinances. |
|
|
| Freezing |
| Covers damage to occupied dwelling caused by freezing. |
|
|
| Sudden Water Damage |
| Covers damage caused by sudden, accidental leaking from plumbing, heating or air conditioning systems. |
|
|
| Continuous Water Damage |
| Covers damage caused by continuous or repeated leaking from plumbing, heating or air conditioning systems. |
|
|
| Foundation |
| Covers damage to the foundation or slab of your home. |
|
|
| Water Backup of Sewer |
| Covers damage caused by water backup through sewers or drains. |
|
|
| Lock Replacement |
| Covers the costs associated with re-keying your home and replacing your house keys if they are stolen. |
|
|
| Refrigerated Property |
| Covers damage to contents in your refrigerator or freezer due to power loss. |
|
|
| Inland Marine |
| Protects personal property (such as jewelry) that is mobile. |
| |
|
|
| Home Discounts |
|
|
| Age of Construction |
| Save up to 30% based on the age of your home. |
|
|
| Age of Insured |
| Save up to 15% if you are age 60 or older. |
|
|
| Claims-Free |
| Save up to 20% when you remain claims-free. |
|
|
| Deadbolt Locks |
| Receive a discount when you install deadbolt locks on every exterior door. |
|
|
| Fire Extinguishers |
| Receive a discount when your home is equipped with current and working fire extinguishers. |
|
|
| Home and Auto |
| Save up to 20% when you insure both your home and car(s) with us. |
|
|
| Local Ultrasonic Burglary Alarm |
| Receive a discount when your home is equipped with a motion detector alarm which notifies police if it detects movement in your home. |
|
|
| Monitored Alarm |
| Save money when your home is equipped with monitored burglary and/or fire alarms. |
|
|
| Noncombustible Roof |
| Receive a discount when your roof is made of recognized noncombustible materials. |
|
|
| Personal Status |
| Save up to 5% if you are married or widowed. |
|
|
| Smoke Detectors |
| Save money when your home is equipped with working smoke detectors. |
|
|
| Automatic Sprinkler System |
| Receive a discount when your home is equipped with a sprinkler system that responds automatically to fire. |
| |
|
|
|
|
| Condominium Insurance |
|
|
| Condo Coverages |
|
|
| Dwelling |
| Covers the condo unit and attached structures in the case of accidental physical loss except losses excluded by the policy. Includes coverage for built-in or attached items such as built-in cabinets or wall-to-wall carpet. |
|
|
| Other Structures |
| Covers other buildings or structures on the property that are separated by clear space from the condo including detached garages. |
|
|
| Contents |
| Covers your personal property that is not attached or built into the home including furniture and clothing. |
|
|
| Scheduled Personal Property |
| Provides additional coverage for high value personal items which are not attached to or built into the home such as jewelry and artwork. |
|
|
| Personal Liability |
| Covers injury or damage to other people or their property for which you are held accountable. |
|
|
| Medical Payments |
| Covers medical or funeral expenses of people who are injured or killed on your property. Also covers some injuries to others which occur outside of your property, such as your dog biting someone. |
|
|
| Loss of Use |
| Covers additional essential living expenses such as temporary housing and food if your condo is too damaged to live in while it is repaired. |
|
|
| Mold |
| Covers repairs due to mold, fungi and other microbes that result from a sudden water accident or steam. |
|
|
| Replacement Cost |
Pays up to an additional 20% of the dwelling coverage limit when your condo is a total loss and additional money is necessary to rebuild. (such as when building expenses have increased since your condo was originally built) |
|
|
| Extended Replacement Cost |
| Covers the replacement or repair of personal property without depreciation. |
|
|
| Ordinance or Law |
| Covers increased expenses associated with rebuilding due to current building codes or ordinances. |
|
|
| Freezing |
| Covers damage to occupied dwelling caused by freezing. |
|
|
| Sudden Water Damage |
| Covers damage caused by sudden, accidental leaking from plumbing, heating or air conditioning systems. |
|
|
| Continuous Water Damage |
| Covers damage caused by continuous or repeated leaking from plumbing, heating or air conditioning systems. |
|
|
| Foundation |
| Covers damage to the foundation or slab of your condo. |
|
|
| Water Backup of Sewer |
| Covers damage caused by water backup through sewers or drains. |
|
|
| Lock Replacement |
| Covers the costs associated with re-keying your home and replacing your house keys if they are stolen. |
|
|
| Refrigerated Property |
| Covers damage to contents in your refrigerator or freezer due to power loss. |
|
|
| Inland Marine |
| Protects personal property (such as jewelry) that is mobile. |
| |
|
|
| Condo Discounts |
|
|
| Age of Construction |
| Save up to 30% based on the age of your condo. |
|
|
| Age of Insured |
| Save up to 15% if you are age 60 or older. |
|
|
| Claims-Free |
| Save up to 20% when you remain claims-free. |
|
|
| Deadbolt Locks |
| Receive a discount when you install deadbolt locks on every exterior door. |
|
|
| Fire Extinguishers |
| Receive a discount when your home is equipped with current and working fire extinguishers. |
|
|
| Home and Auto |
| Save up to 20% when you insure both your condo and car(s) with us. |
|
|
| Local Ultrasonic Burglary Alarm |
| Receive a discount when your condo is equipped with a motion detector alarm which notifies police if it detects movement in your home. |
|
|
| Monitored Alarm |
| Save money when your home is equipped with monitored burglary and/or fire alarms. |
|
|
| Noncombustible Roof |
| Receive a discount when your roof is made of recognized noncombustible materials. |
|
|
| Personal Status |
| Save up to 5% if you are married or widowed. |
|
|
| Smoke Detectors |
| Save money when your home is equipped with working smoke detectors. |
|
|
| Automatic Sprinkler System |
| Receive a discount when your home is equipped with a sprinkler system that responds automatically to fire. |
| |
|
|
|
| Renters Insurance |
|
|
| Types of Renters Insurance |
|
|
| HO-BT Policies |
| HO-BT policies are the most common type of renters insurance. These policies cover losses specified in the policy such as fire and theft. |
|
|
| HO-CT Policies |
| HO-CT policies are more expensive than HO-BT because HO-CT policies are "all risk", meaning that they protect your property against every type of loss unless specifically excluded. |
|
|
|
| Renter Coverages |
|
|
| Contents |
| Covers your personal property that is not attached to or built into the structure such as furniture and clothing. |
|
|
| Personal Liability |
| Covers bodily injury and property damage to other people for which you are responsible. |
|
|
| Medical Payments |
| Covers medical expenses for non-residents of your home when they are involved in an accident on your property. |
|
|
| Loss of Use |
| Reimburses you (up to the specified limit) for additional living expenses incurred when your home is uninhabitable. |
|
|
| Extended Replacement Costs |
| Pays the full replacement costs without depreciation for personal property that is damaged in a covered accident. |
|
|
| Water Backup |
| Covers losses caused by water that is backed up through sewers or drains. This is NOT flood insurance. |
|
|
| Hurricane |
| Covers damage resulting from a hurricane. |
|
|
| Windstorm or Hail |
| Covers damage caused by windstorms, hail and tornados. |
|
|
| Ordinance or Law |
| Covers increased expenses associated with rebuilding due to current building codes or ordinances. |
|
|
| Building Additions & Alterations |
| Covers damage to additions, alterations, fixtures, improvements and installations that you have made to your residence. |
|
|
| Personal Injury Liability |
| Covers damages awarded to others because of your actions which result in false arrest, slander, invasion of privacy and other "injuries". |
|
|
| Inland Marine |
| Protects personal property (such as jewelry) that is mobile. |
|
|
| Theft Extension |
| Protects your personal property that is stored away from your residence in a motor vehicle, trailer or watercraft. |
|
|
| Credit Card |
| Pays up to your policy's limit for unauthorized use of your credit cards, debit/ATM card, checks and counterfeit money. |
|
|
| Firearms |
| Covers the physical loss of firearms and accessories. |
|
|
| Money |
| Covers the loss of money, bank notes, bullion, platinum, coins, medals, gold (but not goldware), and silver (not silverware). |
|
|
| Jewelry, Watches, Furs |
| Covers the physical loss of jewelry, watches, furs, and precious / semi-precious stones. |
|
|
| Securities |
| Covers the physical loss of securities, bills, accounts, deeds, documents, evidence of debt, letters of credit, passports, notes other than bank notes, stamps and tickets. |
| |
|
|
| Renter Discounts |
|
|
| Claims-Free |
| Save up to 20% when you stay claims-free. |
|
|
| Deadbolt Locks |
| Receive a discount when you install deadbolt locks on every exterior door. |
|
|
| Fire Extinguishers |
| Receive a discount when your home is equipped with current and working fire extinguishers. |
|
|
| Local Ultrasonic Burglary Alarm |
| Receive a discount when your home is equipped with a motion detector alarm which notifies police if it detects movement in your home. |
|
|
| Monitored Alarm |
| Save money when your home is equipped with monitored burglary and/or fire alarms. |
|
|
| Multi-Policy |
| Save up to 20% when your insure your home and vehicle(s) with us. |
|
|
| Smoke Detectors |
| Save money when your home is equipped with working smoke detectors. |
|
|
| Automatic Sprinkler System |
| Receive a discount when your home is equipped with a sprinkler system that responds automatically to fire. |
| |
|
|
| Flood Insurance |
According to the National Flood Insurance Program, 25% of flood insurance claims come from properties located in low to moderate risk areas. Flooding can result from hurricanes, tropical storms, broken levees, clogged drainage systems, changes in the development of land surrounding the property, or rapid rainfall.
Ask anyone whose property has been damaged by flooding about their experience. They will tell you that just a few inches of water inside your home can cause tens of thousands of dollars in damage. Homeowners, Condo and Renters Insurance do NOT cover damage caused by flooding. The ONLY way to protect your investment in the case of a flood is by having Flood Insurance.
Flood Insurance is available through the National Flood Insurance Program. Click Here to visit their website for more information about protecting your property in the event of a flood. There is typically a 30-day waiting period from the time that you request flood insurance until it takes effect, so don't wait until the last minute to make the investment.
If your property is located in a high risk area for flooding, your lender will require you to carry flood insurance. However, even some folks whose property is located outside of a high risk area should consider protecting themselves with flood insurance. Click Here to access a flood map of your area. |
| |
|
|
Report a Claim |
To Report a Claim 24 hours per day / 7 days per week
Call toll-free 1-800-421-3535
or
Click Here to Report your Claim Online |
| |
|
|
|
