Discounts
This Safeteen discount uses an online course has been proven to reduce accidents by 30%.
What is TeenSmart?
Discount is up to 15%.
The course takes 6-8 hours to complete (with 60 days to complete) and Citizen's pays for the course.
Other discounts include: SmartPath and ParentChoice.
This term is referenced to identify monoline home and auto products.
What is Connections?
Additionally, secondary homes and dwellings under construction would apply.
The highest MSRP for a vehicle that is acceptable to insure.
What is up to $200k?
This home endorsement includes no deductible.
What is scheduled personal property endorsement?
Includes items such as jewelry, coins, stamps, hobby collections, fine arts, fur, golf equipment, sports equipment and firearms.
Stress the importance of an inventory (only 50% of HO said they have completed one)- ways to document/video items.
In 2022, this percentage of all home losses were due to non-weather-related water damage.
What is 40%?
Non-weathered includes:
Broken pipes, clogged drains, malfunctioning toilets, failing water heaters and older washing machines.
This new home buyer discount can be applied if the home was purchased within the last XX years.
What is 4 years.
This home product is for single families whose home is valued at $750k and above.
What is Prestige?
One of two coverages in Platinum Auto Elite that available a la carte.
What is rental coverage upgrade or home care services?
Rental coverage-Allows for rental of luxury or large SUV class when: Preferred provider is used, Rental coverage must be purchased, up to $3,000 coverage OR
Home Care Services-Pays up to $500/mo, max $2,500 for essential svcs if insured is injured in a covered accident. Think: mowing grass, shoveling snow, groceries, etc.
The endorsement for this two-wheel vehicle has multiple styles to insure.
What are motorcycles?
Cruiser, Enduro, Scooter, Sport, Touring, and Traditional.
Note, modified to increase speed, acceleration or alter handling and high-speed, high-power aerodynamic bikes are ineligible types.
This part of a home has become a focus for carriers' terms and conditions and deductible options.
What is a roof?
T&C changing with carriers; consideration of roof age, and maintenance.
Inspection importance-using aerial imagery
Impact on roofers practices
This discount can save insured when they pay their premium in one payment.
What is paid-in-full?
Multiple factors apply.
This product serves the middle market client for coverage A between $250k and $750k.
What is Platinum?
One of the advantages to Platinum auto.
Second chance accident forgiveness-first chargeable accident in a 36-month period is forgiven.
New car replacement-in event of total loss, provides full replacement cos of a new vehicle one model year newer.
Newer car replacement-in event of total loss pays up to 120%of ACV, same vehicle, one model year newer.
Deductible dividends-$100 annual reduction in deduct year the policy is accident-free
This product will "cover" your clients and provide them with liability protection.
What is an umbrella policy?
Limits up to $10M, will vary upon state.
A calculator is available to help provide insight to the amount of coverage suggested.
Uninsured/underinsured motorist up to $2M.
Newer approach to processing new business inspections.
What is virtual. Satellite images and street view (no drones). If self-inspection is not completed on a NB, it no longer will convert to an exterior but moves to virtual. If no hit, it will convert to exterior or if conditions presented warrant.
Supplements may be sought.
How different than self-inspection (insured completes on app, takes photos.)
This device is a small investment to prevent large losses that are the number one cause of a loss.
What is water detection sensors?
Discounts can vary by vendor, but policy discount is available. Often the discount can pay for the device.
Where online you can sign up for instructor-led or access online self-paced for home policy education.
What is Training and Support for Personal lines on TAP?
Scheduled dates available by quarter; or simply sign up or do at your leisure for online courses.
These vehicles are imported into the United States but does not conform to its safety and emissions standards and are unacceptable to insure with Citizens.
What is grey market?
This ancillary coverage will help with the "IOT" with coverage options available up to $100k in protection with a $500 deductible and includes how this many coverage options.
What is Cyber?
IOT=Internet of things
Coverage is available by Opt-in @ renewal
This Citizens contact -who you may have met ;) can provide resources related to risk management.
Who is a Personal Lines Risk Solution Consultant?
Jim Borowski
With this advance quote option, insureds can receive a discount if quoted how many days in advance.
AND
The discount amount.
What is seven to fifteen days?
This would prorate depending on when quoted.
This tool links all insured's policies together and displays information in one place.
AND
Can be accessed in what way.
What is MyCitizensPolicy; MHP website & Mobile app?
Allows personalization of account profile, view and pay bills online, track a claim, print/order ID and helpful FAQs and links.
Did you know clients can make a payment via Pay Pal?
Name three of the six optional auto coverages.
What are:
-roadside side assistance
-full/preferred glass coverage
-loan/lease payoff
-trip interruption
-rental car coverage
-pet injury protection
Changes this year include towing converted to miles vs. dollars and an increase in car rental allowances.
Which ones do you feel are the most often requested?
This new partnership is a "classic" product that was launched in April of 2025.
AND
Identify who is the carrier partner and minimum age of vehicle.
What is Collector Car powered by Hagerty policy?
This is a separate product to Hagerty's Essential product and is a collaboration between Hanover/Citizens and Hagerty.
What is 25 years or older.
These are two types of devices that can be used to prevent water losses in homes.
AND
Name the NEW vendor partner for automatic shut off devices.
What is a water shutoff device and water senor?
Water shutoff-detects unusual water flow, usually by leaks and will automatically turn off the water in a home.
Water sensor-monitors will not shut off leak but alerts you. Placement includes washing machines, under sinks, and by your dishwasher.
What is Beagle Services?