Discounts
This 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.
This term is used 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 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.
What is the percentage?
This home product is for low-profiled single families whom 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 area 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 vrn one model year newer
Newer car replacement-in event of total loss pays up to 120%of ACV, same vrn, one model yr. 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.
The vendor used for high-net-worth inspections.
What is HRSC/Castle?
Other types of inspections include:
-Hover is the vendor used for self-inspections
-IPI is used for exterior inspections
-Profile is used for exterior with supplement as well as intermediate
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 can you 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.
What is Cyber?
IOT=Internet of things
Coverage is available by Opt-in @ renewal
This Citizens contact 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.
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.
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?
These are three of the six optional auto coverages.
What are roadside side assistance, full/preferred glass coverage, loan/lease payoff, trip interruption, rental car coverage, and pet injury protection.
Which ones do you feel are the most often requested?
This new partnership will be a "classic" new product in April of 2025.
What is Collector Car powered by Hagerty policy?
This being a separate product to Hagerty's Essentia product. This being a collaboration.
These are two types of devices that can be used to prevent water losses in homes.
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.