Agent/CSR Guide. FAQs. Home Advantage. The Hartford s AARP Home Insurance Program

Size: px
Start display at page:

Download "Agent/CSR Guide. FAQs. Home Advantage. The Hartford s AARP Home Insurance Program"

Transcription

1 personal lines Agent/CSR Guide FAQs Home Advantage The Hartford s AARP Home Insurance Program

2 Q&A Here are some frequently asked questions, plus answers, that can give you a better understanding of The Hartford s AARP Home Insurance Program. If you have other questions, please contact your Hartford Personal Lines Sales Representative. 1. What are the important features of The Hartford s home coverage for AARP members? Both the Home Advantage and Home Advantage Plus packages were designed to be added to the base policy. They come with unique features and benefits that increase protection and offer great value to help ensure customer satisfaction. Here s a closer look at both. Home Advantage This package is ideal for customers who want added value and extra protection, above their base policy, for certain coverages such as: Lifetime Renewability in most cases, your customers will not lose coverage just because of claims; this coverage is available exclusively through The Hartford s AARP Home Insurance Program. Replacement Cost Contents Coverage Replacement protection for your customer s personal property. After a covered loss, if they need to replace their personal property, this feature allows them to replace the damaged or stolen belongings with new items of like kind and quality at today s prices, regardless of the age of the item they lost. Personal Injury Liability Coverage for potential damage for libel or slander. Additional $300,000 of Liability Coverage and $4,000 for Medical Payments to Others. Reimbursement for Replacing Locks lost or stolen keys or after a covered theft of property from the home. The Hartford ID Restore For many people, the hardest part of dealing with an identity theft situation can be determining how to get started on restoring or protecting their identity. Customers of The Hartford receive free, unlimited access to The Hartford ID Hotline, and Identity Theft 911 s Resolution Center, where qualified fraud specialists will provide personal, one-on-one attention to questions or concerns about identity theft, fraud or the safety of their personal information. Identity Theft 911 s Fraud Specialists will help your customers take proactive steps to avoid becoming a victim of identity theft, or take them through the recovery process step by step and restore their peace of mind. ID Fraud Expense Coverage to reimburse your customers up to $25,000 for out-of-pocket expenses that they incur responding to an identity theft or fraud, such as lost income due to time off from work that is necessary to talk with credit agencies, or legal fees incurred to remove criminal or civil judgments resulting from the fraud. ProtectorPLUS Zero Deductible Homeowners Deductible Forgiveness* This coverage completely eliminates your customer s deductible (up to $5,000) if they experience a qualifying loss of $22,500 or more. continued

3 (continued) Home Advantage Plus Our most popular package, Advantage Plus is for those seeking peace of mind with strong value and services. When added to their base policy, our Advantage Plus package includes all the features of our Advantage package, plus extra coverages and features, such as: Disappearing Property Deductible** if your customers haven t had a homeowners loss for three years, we ll reduce their property deductible by $50; we ll also continue to reduce the deductible by an additional $50 each year they continue to be loss-free until their deductible reaches zero Equipment Protection Advantage Coverage for the repair or replacement of appliances, electronics and systems in their home that are subject to mechanical or electrical breakdown Identity Fraud Expense Coverage up to $50,000 Loss Assessment up to $10,000 for Section I and Section II In addition, both packages come with: Account credit when home and auto are written together Protective/security devices credit 24-hour claims service Full range of coverage limits and deductible options * This coverage does not apply to special deductibles such as hurricane, earthquake, coal mine subsidence, special wind/hail or optional special theft deductibles. ** Some benefits, such as the Disappearing Property Deductible, are only available with the optional Advantage Plus package. A policy without these added benefits is also available. To qualify for the Disappearing Property Deductible, homeowners must have no claims or losses for three consecutive years in most states. 2. What are the eligibility requirements to purchase an AARP-endorsed Hartford product? Membership in AARP is required to be in place at the time the policy is issued. Any person over age 50 may join AARP by visiting their website: Non-AARP members should also be quoted in the new Home Advantage product; however, the AARP discount will not apply. 3. What happens if my client terminates his/her AARP membership? In most states, coverage will remain in force with the same benefits as long as the policy premiums are paid when due. Members should be encouraged to renew their AARP membership so they can continue to receive the many benefits AARP offers. Premiums won t change due to a change in membership.

4 4. How do I quote The Hartford s AARP-endorsed products? Quotes for The Hartford s AARP-endorsed products are issued the same way as our other personal insurance products. We offer several automation solutions that make the quoting and issuing process faster, easier and more accurate: Quote-to-Issue (QTI) QTI is The Hartford s online system for quoting and submitting new business. Easily accessible through our Electronic Business Center, QTI: Keeps rates and underwriting rules up to date and at your fingertips Orders insurance score and underwriting reports during the quote and underwriting process, eliminating the need to use a separate point-of-sale system Pre-fills your prospect s prior carrier information, saving you time when quoting Prints, s, or faxes pre-filled quotes, binder letters, ACORD forms and ID card Downloads policies to your agency management system within 24 hours Automatically checks your insured s AARP membership status Comparative Raters The Hartford works closely with the most popular comparative rating vendors to provide real-time rating, which allows you to quote The Hartford s auto plan in real-time. A key benefit of this breakthrough technology is Direct Connection, which provides accurate rates directly from The Hartford s rating system. ExpressWay ExpressWay links customer data from participating agency management systems to The Hartford for auto and homeowners quoting and submission in one single-entry transaction. The fastest and easiest way to remarket renewal business, ExpressWay also: Accurately quotes in less than half the time of direct entry into proprietary systems by eliminating duplicate entry of data Can help you capitalize on the investment in your agency management system for a smoother workflow Does not require separate log-on ID or password Provides comprehensive online quoting, underwriting and issuing Adds and deletes vehicles easily for quote accuracy Prints, s or faxes pre-filled quotes, binder letters, ACORD forms and ID cards Downloads policies to your agency management system within 24 hours 5. What discounts are available through The Hartford s AARP-endorsed Home Plan? The discounts* for our products are shown below. Auto/Home Account Protective/Security Devices * Not all discounts are available in every state.

5 6. What optional coverages have been added with the new home products? You can further customize your customers home protection with these value-added optional coverages: Green Rebuilding If living green is important to your customers, we can help with our optional Green Rebuilding coverage. It expands coverage limits by up to 10% when environmentally friendly materials or processes are used to make repairs, or they upgrade to more energy efficient or environmentally friendly systems and appliances after a covered loss. Equipment Protection Advantage Sometimes, the things your customers need most in their home from appliances to heating and cooling systems suddenly break. To keep their life uninterrupted, this optional coverage (included in our Advantage Plus package) pays for the repair or replacement of appliances, electronics and systems in their home that are subject to mechanical or electrical breakdown. Equipment Protection Advantage also provides green upgrade coverage, which will pay up to 125% when they need to replace a covered piece of equipment after a loss and upgrade to a similar but more energy efficient or environmentally friendly unit. Valuable Items Blanket Coverage Our Blanket Coverage is an easier way to protect higher-valued possessions without the added paperwork of scheduling or appraisals. Total available limits range from $10,000 to $50,000 depending on the category of valuables, including jewelry, watches, furs, silverware, fine arts, cameras, computers, musical instruments, china and crystal, and firearms. The maximum limit is $10,000 per item. Valuables are covered on an open perils basis, which includes loss by theft or mysterious disappearance. 7. Does The Hartford offer an AARP-endorsed personal umbrella policy? Yes! In addition to our AARP-endorsed home policy, The Hartford offers peace-of-mind protection to your customers and their families with our AARP-endorsed personal umbrella policy, which: Offers up to $5 million in liability protection above and beyond our auto and homeowners policies Is must-have coverage for your customers to protect against catastrophic lawsuits Is written only for customers insured through the automobile program Has no self-insured retention Vehicles Our umbrella policy includes all the same requirements and benefits as The Hartford s auto policy, and the coverage can be written over most motorcycles, recreational vehicles, and watercraft. Underlying Requirements Standard within the industry, the required limits for umbrella are: Automobile/Motor Homes/Motorcycles*/Recreational Vehicles $250,000/$500,000 Homeowners $300,000; $500,000 if there is a swimming pool Watercraft $300,000 if insured with The Hartford; $500,000 if insured elsewhere * Motorcycles must carry passenger hazard underlying coverage.

6 This document outlines in general terms the coverages that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All coverages described in this document are offered by Hartford Fire Insurance Company and its property and casualty affiliates. Hartford Plaza, Hartford, CT Possession of these materials by a licensed insurance producer does not mean that such producer is an authorized agent of The Hartford. To ascertain whether a producer is a Hartford agent, please contact your state s Department of Insurance or The Hartford at All information and representations herein are as of February Printed in U.S.A. February 2011 The Hartford Financial Services Group, Inc., Hartford, CT All Rights Reserved.

personal lines HOME & AUTO Agent Guide HOME ADVANTAGE Whatever Their Style, Our Coverage Fits

personal lines HOME & AUTO Agent Guide HOME ADVANTAGE Whatever Their Style, Our Coverage Fits personal lines HOME & AUTO Agent Guide HOME ADVANTAGE Whatever Their Style, Our Coverage Fits Their Style. Our Coverage. Your Advantage. When it comes to your customers, no two are alike. And neither are

More information

CONDOMINIUM UNIT OWNERS INSURANCE

CONDOMINIUM UNIT OWNERS INSURANCE PERSONAL LINES CONDOMINIUM UNIT OWNERS INSURANCE Your Style. Your Coverage. WHATEVER YOUR STYLE, OUR COVERAGE FITS When you buy home insurance, you re not just protecting your home and belongings, you

More information

YOUR STYLE. YOUR COVERAGE.

YOUR STYLE. YOUR COVERAGE. California Auto, Home, Flood and Umbrella YOUR STYLE. YOUR COVERAGE. Protection for What Matters Most WHATEVER YOUR STYLE, OUR COVERAGE FITS. Your car. Your home. Your prized possessions. They represent

More information

PERSONAL LINES AGENCY HANDBOOK

PERSONAL LINES AGENCY HANDBOOK PERSONAL LINES AGENCY HANDBOOK THANK YOU FOR CHOOSING THE HARTFORD We value your business and the trust you ve placed in The Hartford as your carrier of choice for personal insurance. We ve developed this

More information

HOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE. www.afi.org

HOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE. www.afi.org HOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE www.afi.org Our Mission Like those who serve our nation, AFI is dedicated to delivering protection and peace of mind. Our unwavering commitment to

More information

PERSONAL LINES AGENCY HANDBOOK

PERSONAL LINES AGENCY HANDBOOK PERSONAL LINES AGENCY HANDBOOK This document provides an overview of coverages and services. Coverages may differ by state. All coverages are individually underwritten. For a complete description of coverage

More information

HOMEOWNERS INSURANCE

HOMEOWNERS INSURANCE HOMEOWNERS INSURANCE A sense of peace Clear, still water signifies calmness a sense of peace. A sense that your insurance company is looking out for you, and will help you get back on your feet if you

More information

Liberty Mutual Auto & Home Voluntary Benefits. Name of Client Presented By: Date

Liberty Mutual Auto & Home Voluntary Benefits. Name of Client Presented By: Date Liberty Mutual Name of Client Presented By: Date 1 About Liberty Mutual Private provider of personal automobile, homeowners, workers compensation, general liability, commercial auto, business property,

More information

MetLife Auto & Home. Homeowners Insurance Protection. Your Choice: Standard or Platinum

MetLife Auto & Home. Homeowners Insurance Protection. Your Choice: Standard or Platinum MetLife Auto & Home Homeowners Insurance Protection Your Choice: Standard or Platinum We Will Be There for You Whether Your Home Is Large or Small Coverage A+. At MetLife Auto & Home, we are committed

More information

Renters Insurance. When you want to leave nothing to chance.

Renters Insurance. When you want to leave nothing to chance. Renters Insurance When you want to leave nothing to chance. Property Coverage The Renters Policy protects your possessions in the event of: Fire Lightning Windstorm Hail Explosion Riot Aircraft Damage

More information

gold star homeowners insurance protecting your dreams

gold star homeowners insurance protecting your dreams gold star homeowners insurance protecting your dreams Home is where the real you lives. You're the type who pays attention to detail. You keep up to date. From the curb to the backyard, you take pride

More information

Kansas Coverage Comparisons

Kansas Coverage Comparisons The Universal Security Policy Kansas Coverage Comparisons Comparing some of the coverages offered under our Special, Deluxe and Elite levels of coverage to standard industry homeowners, dwelling fire and

More information

RENTERS INSURANCE PROTECTING YOUR DREAMS

RENTERS INSURANCE PROTECTING YOUR DREAMS RENTERS INSURANCE PROTECTING YOUR DREAMS You ve Always Dreamed of Your Own Things, in Your Own Place A Place You Call Home Think of how your personal possessions turn the space you rent into a place that

More information

PERSONAL INSURANCE. Condominium Unit Owners Insurance. You need homeowners insurance, too.

PERSONAL INSURANCE. Condominium Unit Owners Insurance. You need homeowners insurance, too. PERSONAL INSURANCE Condominium Unit Owners Insurance You need homeowners insurance, too. Who Pays for the Damage to Your Possessions? Answer: You do. As an owner of a condominium unit, you are also a member

More information

condo insurance protecting your dreams

condo insurance protecting your dreams condo insurance protecting your dreams Home is more than where you live. it s how you live. Now you need to protect it. Think of how your personal possessions turn the space you own into a place that s

More information

How to Determine How Much Homeowners Insurance You Need

How to Determine How Much Homeowners Insurance You Need How to Determine How Much Homeowners Insurance You Need You need enough insurance to cover the following: 1. The structure of your home. 2. Your personal possessions. 3. The cost of additional living expenses

More information

On Your Home. by John Adams, for Fox5 GOOD DAY ATLANTA

On Your Home. by John Adams, for Fox5 GOOD DAY ATLANTA SPECIAL REPORT: Ways To Save On Your Home Insurance- by John Adams, for Fox5 GOOD DAY ATLANTA 1 12 Ways to Lower Your Homeowners Insurance Costs edited by John Adams The following originally appeared in

More information

Homeowners Insurance. made simple

Homeowners Insurance. made simple Homeowners Insurance made simple What s included: How to read your Allstate Policy Declarations Protecting your home and personal property Understanding deductibles Additional protection How to file a

More information

Homeowners Advantage 5 PERSONAL INSURANCE. The protection you need at a price you can afford

Homeowners Advantage 5 PERSONAL INSURANCE. The protection you need at a price you can afford Homeowners Advantage 5 PERSONAL INSURANCE The protection you need at a price you can afford More Coverages Built In... Fewer Costs Added On You don t like to think about the bad things that could happen

More information

Farmers Homeowners Insurance

Farmers Homeowners Insurance Farmers Homeowners Insurance Cover your biggest investment Coverage you need, the options you want Your home is perhaps your most valuable possession. You need the best coverage available at a reasonable

More information

THE HIGHEST DEGREE OF PROTECTION FOR PRIVATE EDUCATION. Prepare. Protect. Prevail. With The Hartford ṢM PRIVATE EDUCATION INDUSTRY INSURANCE

THE HIGHEST DEGREE OF PROTECTION FOR PRIVATE EDUCATION. Prepare. Protect. Prevail. With The Hartford ṢM PRIVATE EDUCATION INDUSTRY INSURANCE THE HIGHEST DEGREE OF PROTECTION FOR PRIVATE EDUCATION. Business Insurance Employee Benefits Auto Home Prepare. Protect. Prevail. With The Hartford ṢM You make decisions every day that require a higher

More information

The Hartford Homeowners Underwriting Eligibility Criteria

The Hartford Homeowners Underwriting Eligibility Criteria Pricing for The Hartford Homeowner Plan is based on combinations of multiple factors. Please refer to the following eligibility criteria and requirements and see how The Hartford s Homeowners plan delivers

More information

ACE Private Risk Services

ACE Private Risk Services ACE Private Risk Services Securing Your Success Customized Protection In One Comprehensive Program A fine home A ski condo Luxury cars and yachts An extensive jewelry or fine art collection Substantial

More information

Home and Automobile Insurance Guide

Home and Automobile Insurance Guide Home and Automobile Insurance Guide General Information Finding the best insurance policies to suit your needs can be a complex and confusing business. To help you, we have addressed questions and defined

More information

Providing group personal excess liability insurance to a unique group of professionals. Group Personal Excess Liability Insurance

Providing group personal excess liability insurance to a unique group of professionals. Group Personal Excess Liability Insurance Providing group personal excess liability insurance to a unique group of professionals Group Personal Excess Liability Insurance W ith the number of personal lawsuits growing at an alarming rate, professionals

More information

Personal Insurance. from Chubb. Coverage Beyond Your Expectations. Chubb Group of Insurance Companies Warren, New Jersey 07059 www.chubb.

Personal Insurance. from Chubb. Coverage Beyond Your Expectations. Chubb Group of Insurance Companies Warren, New Jersey 07059 www.chubb. Personal Insurance from Chubb Coverage Beyond Your Expectations Chubb refers to the insurers of the Chubb Group of Insurance Companies: Federal Insurance Company, Vigilant Insurance Company, Pacific Indemnity

More information

If you rent a house or apartment. Renters Insurance

If you rent a house or apartment. Renters Insurance Renters Insurance If you rent a house or apartment and think that your landlord is financially responsible when there is a fire, theft or other catastrophe think again. Your landlord may have insurance

More information

AUTO/HOME/RENTERS INSURANCE

AUTO/HOME/RENTERS INSURANCE AUTO/HOME/RENTERS INSURANCE (518) 785-1900 or (800) 342-4306, ext. 243 Visit Membership Benefits Program at www.pef.org PEF Membership Benefits Program offers active dues paying PEF members and PEF retirees

More information

Personal Insurance. from Chubb. Relax. You re insured with Chubb. SM

Personal Insurance. from Chubb. Relax. You re insured with Chubb. SM Personal Insurance from Chubb Relax. You re insured with Chubb. SM Chubb understands what you expect when it comes to insurance. Coverage that suits your lifestyle. A policy that gives you choices. Service

More information

Farm and ranch owners, commercial growers and packers AGRIBUSINESS WE INSURE YOUR GROWING BUSINESS SM

Farm and ranch owners, commercial growers and packers AGRIBUSINESS WE INSURE YOUR GROWING BUSINESS SM Farm and ranch owners, commercial growers and packers AGRIBUSINESS WE INSURE YOUR GROWING BUSINESS SM Farm and ranch owners have a different lifestyle than other businesses, which translates into unique

More information

Personal Umbrella Product for Preferred Applicants

Personal Umbrella Product for Preferred Applicants ABRAM INTERSTATE INSURANCE SERVICES, INC. Personal Umbrella Product for Preferred Applicants Our Personal Umbrella product for Preferred Applicants is designed for risks with favorable driving records

More information

Coverage that fits your lifestyle

Coverage that fits your lifestyle CONDOMINIUM UNITOWNERS Coverage that fits your lifestyle Your condominium (condo) association may include insurance for the building s structure, but covering your unit and personal possessions is up to

More information

PERSONAL CLIENT SERVICES

PERSONAL CLIENT SERVICES PERSONAL CLIENT SERVICES Marivel Andreu Vice President, Managing Director 201 S. Biscayne Blvd., 34 th Floor Miami, FL 33131 Phone 305-395-3031 Email: mandreu@celedinas.com Presentation to International

More information

Texas Fair Plan Association

Texas Fair Plan Association Texas Fair Plan Association FREQUENTLY ASKED QUESTIONS What is the Texas FAIR Plan Association and its purpose? The Texas FAIR Plan Association is an entity established by Texas Insurance Code Article

More information

Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest aaa Agent: Home & Insurance 5450-42286-49

Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest aaa Agent: Home & Insurance 5450-42286-49 Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest aaa Agent: Home & CONDO Insurance 5450-42286-49 Q U A L I T Y Day or night. You re covered, with AAA. Chances are,

More information

belongings? It may surprise you to know that the average renter purchases approximately

belongings? It may surprise you to know that the average renter purchases approximately Renters Insurance State Farm coverage for just pennies a day belongings? It may surprise you to know that the average renter purchases approximately own if something should happen? With a State Farm Renters

More information

A CONSUMER'S GUIDE TO RENTER S INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE

A CONSUMER'S GUIDE TO RENTER S INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A CONSUMER'S GUIDE TO RENTER S INSURANCE from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, The North Carolina Department of Insurance

More information

Professional Liability Coverage for Law Offices

Professional Liability Coverage for Law Offices SMALL BUSINESS INSURANCE Professional Liability Coverage for Law Offices Coverage you need from a name you trust The Hartford Most lawyers agree, professional liability coverage is essential. But, it isn

More information

Insuring Fuller Center Houses

Insuring Fuller Center Houses Insuring Fuller Center Houses Builders Risk Construction Insurance Once the Fuller Center Covenant Partner acquires property, the task of risk management becomes the responsibility of the organization

More information

Homeowners Insurance. » Make sure you get enough insurance to be able to replace your home should you experience a total loss.

Homeowners Insurance. » Make sure you get enough insurance to be able to replace your home should you experience a total loss. HOMEOWneRS Insurance What it is and why it s important At the most basic level, homeowners insurance protects you financially should you experience a total loss of your home and possessions. Key considerations

More information

AUTO, HOME, FLOOD AND UMBRELLA. Protection for More Than Your Car and Home. Peace of mind for your financial future

AUTO, HOME, FLOOD AND UMBRELLA. Protection for More Than Your Car and Home. Peace of mind for your financial future AUTO, HOME, FLOOD AND UMBRELLA Protection for More Than Your Car and Home Peace of mind for your financial future The Hartford Protects All Areas and Stages of Your Life. Like most people, when you hear

More information

AUTO HOME PACKAGE PLUS. Why Buy a Kemper Preferred Policy?

AUTO HOME PACKAGE PLUS. Why Buy a Kemper Preferred Policy? AUTO HOME PACKAGE PLUS Why Buy a Kemper Preferred Policy? Our many insurance offerings Through a select network of Independent Agents, Kemper Preferred offers customizable insurance products and services

More information

7 Ways You Can Save $ on Your Homeowners Insurance -- And Provide Better Protection for Yourself and the People You Love!

7 Ways You Can Save $ on Your Homeowners Insurance -- And Provide Better Protection for Yourself and the People You Love! 7 Ways You Can Save $ on Your Homeowners Insurance -- And Provide Better Protection for Yourself and the People You Love! Your home is probably your most valuable asset. It is also a huge risk for you

More information

Chapter 21. Agenda. Personal liability insurance 4/14/2015. Homeowners Insurance, Section II

Chapter 21. Agenda. Personal liability insurance 4/14/2015. Homeowners Insurance, Section II Chapter 21 Homeowners Insurance, Section II Agenda Personal liability insurance Section II Coverages Section II Exclusions Section II Additional Coverages Section II Conditions Endorsements to a Homeowners

More information

GUIDEONE INSURANCE A COMPANY YOU CAN BELIEVE IN COVERAGE YOU CAN COUNT ON. CLAIMS SERVICE YOU CAN COUNT ON

GUIDEONE INSURANCE A COMPANY YOU CAN BELIEVE IN COVERAGE YOU CAN COUNT ON. CLAIMS SERVICE YOU CAN COUNT ON CLAIMS SERVICE YOU CAN COUNT ON IF YOUR CHURCH NEEDS TO REPORT A CLAIM, GuideOne makes it as easy as possible with our industry-leading claims service: Call the convenient, toll-free GuideLine Express

More information

HOME AUTO VALUABLES UMBRELLA LIABILITY OVERALL

HOME AUTO VALUABLES UMBRELLA LIABILITY OVERALL Home Policy Feature Full replacement cost Rebuilds home and other structures at existing property after a total loss even if the cost exceeds the policy limit; if the land is unusable, coverage is available

More information

Texas Fair Plan Association

Texas Fair Plan Association Texas Fair Plan Association RESIDENTIAL PROPERTY INSURANCE The Texas FAIR Plan Association provides limited coverage through the Texas Homeowners Policy - Form A (HO-A), Texas Dwelling Policy Form 1 (TDP-1),

More information

CONDO insurance. protecting your dreams

CONDO insurance. protecting your dreams CONDO insurance protecting your dreams Home is more than where you live. It s how you live. Think of how your personal possessions turn the space you own into a place that s uniquely yours. Now consider

More information

made simple Personal Umbrella Policy Insurance What s inside:

made simple Personal Umbrella Policy Insurance What s inside: Personal Umbrella Policy Insurance made simple What s inside: How to read an Allstate Personal Umbrella Policy Declarations Understanding personal umbrella policy insurance How to file a claim Frequently

More information

To: Our Valued Clients From: Agency Name Re: Gap Letter

To: Our Valued Clients From: Agency Name Re: Gap Letter To: Our Valued Clients From: Agency Name Re: Gap Letter From time to time, we mail a notice to our clients (past, current, and potential) called a Gap Letter. The purpose of this letter is to inform you

More information

Condominium Unitowners Insurance

Condominium Unitowners Insurance Condominium Unitowners Insurance Coverage that fits your lifestyle Your condominium (condo) association may include insurance for the building s structure, but covering your unit and personal possessions

More information

Insure wisely. Live confidently.

Insure wisely. Live confidently. Insure wisely. Live confidently. Make the ultimate prudent move to protect your assets. Masterpiece Excess Liability Insurance Catastrophic financial loss could occur in seconds. The more you have acquired,

More information

La Canada Protection Plan

La Canada Protection Plan . La Canada Protection Plan This proposal was personally prepared for Mr. & Mrs. Sample by Rick Dinger Powered by: CVI 3156 Foothill Blvd. Suite A La Crescenta, CA 91214 (818) 248-4500 Thank you for the

More information

Building Financial Freedom The GrandProtect Advantage MetLife Auto & Home

Building Financial Freedom The GrandProtect Advantage MetLife Auto & Home The MetLife Auto & Home Advantage 1 Offered by MetLife Bank, NA, an FDIC-insured bank 2 Offered by MetLife Securities, Inc., One Madison Avenue, New York, NY 10010 Looking back, everything appeared simpler!

More information

A Guide For Homeowners

A Guide For Homeowners A Guide For Homeowners If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgments against you and your attorney's fees, up to a limit

More information

Home insurance basics

Home insurance basics Home insurance basics By Nicholas Schidowka, President Insurance Cleveland Agency, LLC When shopping for home insurance, it is important for a homeowner to consider more than how much coverage will cost.

More information

FARM/RANCH INSURANCE PROTECTING YOUR DREAMS

FARM/RANCH INSURANCE PROTECTING YOUR DREAMS FARM/RANCH INSURANCE PROTECTING YOUR DREAMS Choose an insurance provider who s as serious as you are about protecting your livelihood. Discover the advantages of American Family Insurance and our Farm/Ranch

More information

NEW JERSEY AUTO SUPPLEMENT

NEW JERSEY AUTO SUPPLEMENT AGENCY AGENCY CUSTOMER ID: NEW JERSEY AUTO SUPPLEMENT NAMED INSURED(S) POLICY NUMBER EFFECTIVE DATE CARRIER NAIC CODE NEW JERSEY AUTO INSURANCE BUYER'S GUIDE New Jersey Department of Banking and Insurance

More information

Homeowners insurance. protecting your dreams

Homeowners insurance. protecting your dreams Homeowners insurance protecting your dreams Your Home is A Dream Come True You ve worked hard for your home. It is a reflection of you and it may serve as the launch pad for your dreams. It s a special

More information

GOLD Product Enhancements

GOLD Product Enhancements GOLD Product Enhancements What has GOLD been up to lately? Equipment Breakdown Legal Expense Insurance GOLD Rebranding Expand GOLD into British Columbia edocs for Personal Lines Jewellery and Valuable

More information

PERSONAL INSURANCE. Renters Insurance. Affordable protection for you

PERSONAL INSURANCE. Renters Insurance. Affordable protection for you PERSONAL INSURANCE Renters Insurance Affordable protection for you ...and Your Personal Possessions In all likelihood, your landlord has insurance on the building you call home. It protects your landlord

More information

Auto Insurance Buyers Guide

Auto Insurance Buyers Guide Auto Insurance Buyers Guide Table of Contents Understand Your Rights as a Consumer...1 Introduction...... 2 Why You Need Auto Insurance...... 3 When to Shop for a New Auto Insurance Policy.. 4 How to Shop

More information

RV Coverage Breakdown

RV Coverage Breakdown RV Coverage Breakdown Collision and Comprehensive Collision and Comprehensive (Other than Collision) coverage are without a doubt two of the more important types of RV insurance coverage, and are also

More information

Illinois Insurance Facts Illinois Department of Insurance

Illinois Insurance Facts Illinois Department of Insurance Illinois Insurance Facts Illinois Department of Insurance Shopping for Homeowners Insurance Updated January 2014 Note: This information was developed to provide consumers with general information and guidance

More information

PREFERRED PERSONAL LINES ACCESS PROGRAM. MetLife Auto & Home Personal Lines Program

PREFERRED PERSONAL LINES ACCESS PROGRAM. MetLife Auto & Home Personal Lines Program PREFERRED PERSONAL LINES ACCESS PROGRAM MetLife Auto & Home Personal Lines Program MetLife Auto & Home Some background on MetLife: In business for 141 years Fortune 500 Company MetLife Auto & Home - A.M.

More information

Before we delve into the basic types of insurance, there are several general principles you should understand concerning insurance:

Before we delve into the basic types of insurance, there are several general principles you should understand concerning insurance: Week Six Tuesday Overview: Insurance Read the Property and Auto Insurance section (No video this session) In today s world, insurance is a necessary part of life. It is used to protect your property, future

More information

Eight Ways To Save On Your Homeowners Insurance! A Special Report Compliments of

Eight Ways To Save On Your Homeowners Insurance! A Special Report Compliments of Eight Ways To Save On Your Homeowners Insurance! A Special Report Compliments of 4301 Darrow Rd., Ste 4200 Stow OH 44224 330.688.0998 Email: mailbox@angleinsurance.com 1 Eight Ways To Save On Your Homeowners

More information

Play It Safe. While Moving, Storing or Towing. to protect you, your family and your belongings. Visit us on the web @ uhaul.com

Play It Safe. While Moving, Storing or Towing. to protect you, your family and your belongings. Visit us on the web @ uhaul.com Play It Safe While Moving, Storing or Towing Fivee lo Fi low-cost, cost ccustom stom packages to choose from to protect you, your family and your belongings. Visit us on the web @ uhaul.com RWI-150(Y)CC05.indd

More information

A Consumer s Guide to Homeowners Insurance

A Consumer s Guide to Homeowners Insurance A Consumer s Guide to Homeowners Insurance This brochure was developed through the combined efforts of: Illinois Insurance Hotline 1-800-444-3338 Illinois Department of Insurance University of Illinois

More information

A Shopping Tool for. Homeowners Insurance. Mississippi Insurance Department

A Shopping Tool for. Homeowners Insurance. Mississippi Insurance Department Homeowners Insurance Mississippi Insurance Department 1 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance Commissioners Insurance Products & Services

More information

Group Home and Auto Insurance. Your insurance shouldn t leave you wanting more. Satis Service

Group Home and Auto Insurance. Your insurance shouldn t leave you wanting more. Satis Service Group Home and Auto Insurance Your insurance shouldn t leave you wanting more Back Claimed by our s Satis Service facti Guar o ante *n e Total protection and peace of mind built around you For over 50

More information

Automobile Insurance Protection

Automobile Insurance Protection MetLife Auto & Home Automobile Insurance Protection We will be there for you. For your car and your peace of mind The Auto Advantage SM Buying a new car, or looking for a company who will provide complete

More information

Homeowners Insurance. Don t Forget The

Homeowners Insurance. Don t Forget The Homeowners Insurance Don t Forget The A guide to protecting your home and personal possessions Are you buying insurance on a new home, selling a home or just wanting to gain a better understanding of the

More information

Auto Insurance from The Hartford. Get the coverage and value you need for the long road ahead.

Auto Insurance from The Hartford. Get the coverage and value you need for the long road ahead. Auto Insurance from The Hartford Get the coverage and value you need for the long road ahead. Better coverage, better value for you and your family. When you buy auto insurance, you re not just protecting

More information

Introducing the all new Quantum Auto 2.0. Experience the smoother ride!

Introducing the all new Quantum Auto 2.0. Experience the smoother ride! Quantum Auto 2.0 Introducing the all new Quantum Auto 2.0. Experience the smoother ride! REFERENCE GUIDE Introducing the all new Quantum Auto 2.0. We did not just re-design the chassis. We re-engineered

More information

HOMEOWNERS INSURANCE POLICY

HOMEOWNERS INSURANCE POLICY A helpful guide when selecting homeowners insurance, including local rates and common questions. Understanding Rates: Insurance companies rate your home based on factors such as replacement costs, the

More information

Homeowners Insurance Life Advice

Homeowners Insurance Life Advice Homeowners Insurance Life Advice Protecting your home Homeowners insurance protects your financial investment in your home. Based on your individual needs, you choose specific coverage to provide as much

More information

3. Is this personal umbrella available monoline over other acceptable carrier underlying coverages? Yes.

3. Is this personal umbrella available monoline over other acceptable carrier underlying coverages? Yes. Program Questions 1. Who is the carrier being offered and what is their rating? Hudson Specialty, which has an AM Best rating of A Excellent XV and is a member of the Odyssey Re Group. 2. Is this personal

More information

OREGON MUTUAL INSURANCE GROUP MANUFACTURED HOME POLICY PROGRAM INDEX

OREGON MUTUAL INSURANCE GROUP MANUFACTURED HOME POLICY PROGRAM INDEX INDEX General Instructions... MH-1 Basic Coverages and Limit of Liability... MH-1 Description of Coverage... MH-1 Deductible... MH-1 Application... MH-2 Binders... MH-2 Replacement Value Coverage C (H109)...

More information

January 1, 2009. Choice Auto and Home Insurance Program MMC

January 1, 2009. Choice Auto and Home Insurance Program MMC January 1, 2009 Choice Auto and Home Insurance Program MMC Choice Auto and Home Insurance Program Marsh Voluntary Benefits, an MMC Company formerly known as Marsh @WorkSolutions, offers you the Choice

More information

FREMONT MUTUAL INSURANCE COMPANY

FREMONT MUTUAL INSURANCE COMPANY PUM Page No. INDEX 1 Application 1 Binding Authority 2 Commercial Exposures 1 Coverage 1 Definitions 5 Discounts 2 Ineligible Risks 1 Introduction 2 Limits Available 3 Minimum Limits of Underlying Insurance

More information

Chapter 10. Chapter 10 Learning Objectives. Insurance and Risk Management: An Introduction. Property and Motor Vehicle Insurance

Chapter 10. Chapter 10 Learning Objectives. Insurance and Risk Management: An Introduction. Property and Motor Vehicle Insurance Chapter 10 Property and Motor Vehicle Insurance McGraw-Hill/Irwin Copyright 2012 by The McGraw-Hill Companies, Inc. All rights reserved. 10-1 Chapter 10 Learning Objectives 1. Develop a risk management

More information

Business Owners Insurance. made simple

Business Owners Insurance. made simple Business Owners Insurance made simple What s inside: How to read an Allstate Businessowners Policy Declarations Protecting your building and business personal property Understanding deductibles and coverage

More information

The Game of Life Purchasing Auto Insurance Updated: 2016-02-10

The Game of Life Purchasing Auto Insurance Updated: 2016-02-10 The Game of Life Purchasing Auto Insurance Updated: 2016-02-10 One of the most common experiences young adults encounter can be one of the most mysterious: purchasing auto insurance. It might not seem

More information

Insurance Protection for Older Homes. MetLife Auto & Home. Where you re not just covered, you re truly protected SM

Insurance Protection for Older Homes. MetLife Auto & Home. Where you re not just covered, you re truly protected SM Insurance Protection for Older Homes MetLife Auto & Home Where you re not just covered, you re truly protected SM Should it be rebuilt exactly the same? Your MetLife Auto & Home representative can help

More information

AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE. www.afi.org

AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE. www.afi.org AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE www.afi.org Our Mission Like those who serve our nation, AFI is dedicated to delivering protection and peace of mind. Our unwavering commitment to

More information

Group Personal Excess Liability Insurance for Brown & Brown Employees from Chubb

Group Personal Excess Liability Insurance for Brown & Brown Employees from Chubb Group Personal Excess Liability Insurance for Brown & Brown Employees from Chubb Policy Highlights Chubb Group Personal Excess Liability Insurance provides additional liability coverage up to $50 million

More information

SASKATCHEWAN PRESTIGE AUTO INSURANCE

SASKATCHEWAN PRESTIGE AUTO INSURANCE Licence Plate Insurance... 2 Why Plate Insurance Isn t Enough... 3 Added Liability Protection... 4 Family Protection Coverage... 4 Vehicle Damage Deductible... 5 Accident Benefits... 5 Non-Owned Driver

More information

From idea through installation, The Hartford provides comprehensive solutions to renewable energy companies. Prepare. Protect. Prevail.

From idea through installation, The Hartford provides comprehensive solutions to renewable energy companies. Prepare. Protect. Prevail. TECHNOLOGY & LIFE SCIENCE PRACTICE RENEWABLE ENERGY From idea through installation, The Hartford provides comprehensive solutions to renewable energy companies. Business Insurance Employee Benefits Auto

More information

The Great American Trucking Story

The Great American Trucking Story Trucking Division The Great American Trucking Story In recent years, a number of top motor carriers leaders in the trucking industry have chosen to offer Great American s insurance products to the independent

More information

Reading an Insurance Policy

Reading an Insurance Policy Reading an Insurance Policy Here are some tips for maximizing your understanding of insurance policies. A. Get the Complete Policy Sometimes just obtaining the policy is a challenge. The client may not

More information

Home and Auto Insurance Program Just the facts for credit union members

Home and Auto Insurance Program Just the facts for credit union members Home and Auto Insurance Program Just the facts for credit union members CUMIS is a trademark of CUMIS Insurance Society Inc. and is used under licence. Insurance is underwritten by CUMIS General Insurance

More information

Chapter 1 Insurance Concepts & Principles

Chapter 1 Insurance Concepts & Principles Chapter 1 Chapter Objectives Your learning objectives are as follows: Understand the mechanism of insurance. Understand the difference between property and casualty insurance. Learn the parts of the insurance

More information

Log on to: www.idprotectme247.com using Access Code AZ271653 to register and access the benefits provided by IDProtect.

Log on to: www.idprotectme247.com using Access Code AZ271653 to register and access the benefits provided by IDProtect. Banner Federal Credit Union is pleased to offer identity theft protection, powered by IDProtect Identity theft takes a serious financial and emotional toll on its victims. More than 11.6 million Americans

More information

10 Ways You Can Save $ on Your Homeowners Insurance -- And Provide Better Protection for Yourself and the People You Love!

10 Ways You Can Save $ on Your Homeowners Insurance -- And Provide Better Protection for Yourself and the People You Love! Here s the information you requested! Special Report for Homeowners Insurance Insider Reveals Little-Known Secrets: 10 Ways You Can Save $ on Your Homeowners Insurance -- And Provide Better Protection

More information

Log on to: www.idprotectme247.com using Access Code MI521457 to register and access the benefits provided by IDProtect.

Log on to: www.idprotectme247.com using Access Code MI521457 to register and access the benefits provided by IDProtect. KALSEE Credit Union is pleased to offer identity theft protection, powered by IDProtect! Identity theft takes a serious financial and emotional toll on its victims. More than 11.6 million Americans were

More information

Florida Senate - 2016 SB 1274

Florida Senate - 2016 SB 1274 By Senator Latvala 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 A bill to be entitled An act relating to sinkhole insurance; amending s. 624.407, F.S.; specifying

More information

Voluntary Benefits & Employee Discount Program O F F I C E O F H U M A N R E S O U R C E S B E N E F I T S D E P A R T M E N T

Voluntary Benefits & Employee Discount Program O F F I C E O F H U M A N R E S O U R C E S B E N E F I T S D E P A R T M E N T Voluntary Benefits & Employee Discount Program PittPerks Benefits Create a value added program that helps attract and retain faculty and staff and boost employee morale Increase productivity and workplace

More information

Renewal procedures differ depending on the type of account being renewed. However, renewing policies typically involves

Renewal procedures differ depending on the type of account being renewed. However, renewing policies typically involves Renewals Renewing a policy is an opportunity to o Reconnect with your clients; o Review their portfolios; and o Introduce new developments in the market or in insurance products. Renewal retention is a

More information

Travelers Auto and Home Insurance Program. Enhance your member benefits, not your costs.

Travelers Auto and Home Insurance Program. Enhance your member benefits, not your costs. Travelers Auto and Home Insurance Program Enhance your member benefits, not your costs. A Plan for Your Credit Union Enhance your benefits program, not your costs It s a fact. Good benefits programs help

More information