Don’t Lose Your Stuff to Porch Pirates!

Even the most committed Portland Maine “buy local” fans occasionally buy online. The holiday season will soon be in full swing. That means more shopping, and more opportunity to be a crime victim. Porch pirates are a problem even in Maine, especially during gift-giving season. Maine’s long winter nights provide more of the darkness that thieves love.

Don’t let your joy from the “truck of happiness” turn into the frustration of a box stolen from your porch. Here are some ways to protect your valuable purchases.

Sign up for Tracking Alerts

Most online retailers offer shipment notifications via text, email or smart speaker. Many notify you the very minute your package arrives. Expecting a valuable shipment? Arrange for a trusted friend or neighbor to retrieve and hold it in a safe place until you get home.

Choose an Occupied Delivery Address

Thieves are more likely to target empty or dark homes. Have orders shipped to your work, or the home of a friend or relative who’ll be there to get it. Some online sellers have secure locker facilities or pickup locations. Others allow for pickup at the post office or other shipping store.

Install Smart Home Security

There are so many smart home camera, microphone and monitoring solutions now. Doorbell cameras; motion sensing lights and monitors; whole house security systems. The choices seem limitless. Many allow you to control and watch from a mobile phone or computer. Any option you choose is better than no security at all to reduce your theft risk.

If You are a Porch Pirate Victim

  1. Notify the police. They may be aware of theft rings in your area. Even if they can’t recover your stolen goods, they can alert your neighbors and save them from the trouble.
  2. Notify the seller or credit card company. Some online retailers or credit card plans may provide a refund or replace your stolen item.
  3. Call your insurance agent. Home, condo and renters insurance usually cover theft. If your loss was greater than your deductible (often $1000), notify your agent.

Answers to Your Maine Home Condo and Renters Insurance Questions

Whether you live in a Munjoy Hill condo, West End apartment or suburban house in Falmouth or Scarborough, we have answers to your Maine property insurance questions. If you live in Greater Portland, contact a Noyes Hall & Allen Insurance agent in South Portland at 207-799-5541.

Not ready to talk to an agent yet? Get 5 free Maine home insurance quotes online at our website. We’re independent and committed to you.

Should You Buy Car Insurance at the Dealer?

Some new car dealers offer insurance quotes as part of the car-buying process. It seems very convenient: one-stop shopping. Sign an extra document, make another down payment, and drive away with insurance!

Is it smart to buy insurance at the same time you’re buying a new car? You’re already making financial decisions: which vehicle to buy; whether or how to finance it; whether to purchase extended warranties and other options. Why not just add insurance at the same time?

When You Should Buy Insurance at the Car Dealer

You have no insurance now, and you’re driving the new one off the lot. You can’t drive off the lot without insurance. It takes time to buy insurance if you’re starting from scratch. If the dealer connects you with an agent you trust at a price you can afford, and they can insure you immediately, it makes sense.

When Not to Buy Insurance at the Car Dealer

Any other time. Here’s why: no one makes their best decisions in a hurry. And there’s really no rush.

  1. Your current insurance probably automatically covers your new vehicle. Better to get the price from your current insurer and get other prices if you want. You’re in control, and under no pressure.
  2. The car dealer’s agent will quote coverage that meet the dealer’s requirements. They want to protect the car loan. But what about your needs? Ask an agent you trust what coverage they recommend, and why. Ask follow up questions and decide at your convenience.
  3. Who will you call for insurance service or follow up questions? Is the car dealer’s insurer using a distant call center or online platform? Will you ever be able to talk to the same agent twice?

How to Compare Insurance Prices on Your New Vehicle

To find the best insurance value for your new vehicle, you have two choices:

  • Call or check various insurance companies online yourself; or
  • Contact an independent insurance agent. They represent many different insurance companies and can compare programs for you.

If you live in the Portland Maine area and recently purchased a vehicle, contact Noyes Hall & Allen Insurance in South Portland. We’re independent and committed to you. We offer a choice of 10 of Maine’s A-rated auto insurance companies. If you’re not ready to talk to an agent, get up to 5 insurance quotes online in 10 minutes on our website.

How to Reduce Car Insurance Costs for Maine Teen Drivers

Car insurance is expensive for teenagers in Maine and everywhere else. Parents worry about their kids’ driving. So do insurance companies. For good reason.

Statistics show that new drivers are the most likely to have an accident. Experience matters. Newly licensed teenagers often need more driving time to learn to anticipate and avoid hazards. Even after they gain experience, teens judge risk differently than adults.

Will my teenager be a good driver?

Some drivers are better than others. It’s hard to predict. Even responsible teens and honor roll students can be terrible drivers. We all know that being tentative on the road can be almost as dangerous as aggressive driving.

We know these factors increase the likelihood of crashes for all drivers:

  • distracted or tired driving; 
  • alcohol or drug use; 
  • late night driving; 
  • traveling in unfamiliar areas; 
  • quick stops and starts. 

How much will it cost to insure my teen driver?

Modern auto insurance pricing is sophisticated and secretive. You and your neighbor may be the same age. You may drive identical vehicles. Have similar commutes and accident records. You could still pay very different prices for car insurance. How much insurance you buy obviously affects the price you pay.

So do;

  • credit scores;
  • how long you’ve been a customer of that insurance company;
  • how long you’ve lived in your home;
  • whether you bundle your home and auto insurance.

Rate complexity makes it almost impossible to predict exactly how much your new driver will add to your insurance costs. Years ago, agents could easily do “what if” quotes. No longer. Today, they need detailed information about each driver and vehicle. Your agent may be able to estimate the cost close to the time you’re adding a new driver.

How can I tell if my teenager is driving safely?

A generation ago, parents relied on neighbors and friends to report if their teen drove recklessly around town. Now, mobile apps can track where, when and how your teen drives.

Your teen probably won’t be pleased to know that you monitor them. But driving data can also bring peace of mind to teens and parents. Because they track location, mobile apps can request roadside assistance or direct tow trucks or first responders.

Many telematics apps feature a scorecard so teens can compare their driving to their peers and improve. Some parents use these scorecards to coach their teens.

Can I assign drivers to certain vehicles on my car insurance?

Some insurance companies consider your teen to be a principal operator if you have a vehicle for every driver. If you have more drivers than cars, many insurers allow you to name one driver as an occasional operator. Principal drivers cost more than occasional ones. Makes sense. 

Some insurance companies let you assign drivers to vehicles. Others use a “blended rate” method. In a blended rate scenario, you can’t assign your 2018 Mercedes to you and your 2000 Honda to your child.

Whether your insurance company uses blended rates or not, more vehicles mean higher premiums.

Recently, a top Maine insurer introduced a new way for parents to save money on teenage car insurance. They let you designate vehicles that your child never drives. You pay a lower rate to insure those vehicles. But, if your child does drive one, you’ll pay a big deductible in case of a crash.

How can I reduce the cost of insuring my teenage driver?

Check with your agent. Each insurance company files their own rates with the Maine Bureau of Insurance. Some insurers charge more than others for young drivers. Some use blended rates, others assign vehicles. 

Discounts vary by insurer, too. Maine auto insurance companies commonly offer discounts for:

  • Honor roll or dean’s list students
  • Driver training classes
  • Students living away at school without a vehicle.
  • Monitoring via mobile app
  • Specialized online driving courses for teen drivers

Get Auto Insurance Quotes for Your Teenage Driver in Maine

Noyes Hall & Allen Insurance in South Portland offers a choice of many insurance companies. Get several quotes with one phone call to 207-799-5541. Or request a Maine auto insurance quote online. We can help you find the best value and fit for your family. We’re independent and committed to you.

How Much Will My Car Insurance Go Up After an Accident?

Most insurance companies in Maine surcharge insurance rates after you’ve had an at-fault accident. That’s because people who’ve had one accident are statistically more likely to have another. So should you pay for auto damage after a small crash yourself, instead of making an insurance claim? Here are some things to consider before you decide.

Is My Auto Accident Considered “At-fault”?

In Maine, unless another party is 100% at fault you may share some fault in the crash. Some examples of 100% at fault could be:

  • running a red light or stop sign;
  • hitting you while your car was legally parked
  • changing into your lane and sideswiping you.

“At fault” doesn’t have to mean 100% at fault. Even if the other party is mostly at fault for the crash, you are still partially responsible. If your insurance company pays to fix your vehicle, and isn’t reimbursed by another insurer, they may charge you for an “at fault accident”.

Is My Accident Damage Below the Insurance Company’s Threshold?

Some insurers don’t charge for minor at-fault accidents with no injuries. Common thresholds are $1,000 and $1,500 of total damage to all vehicles. If your damage is below that amount, they’ll simply pay your claim and not surcharge your future rates.

Do I Have Accident Forgiveness?

Several insurers allow you to avoid a surcharge for your first accident. Most charge extra for that option. Every insurer uses different rules and calls this coverage something different. It’s commonly known as “accident forgiveness”. Some insurers only forgive the accident if you have no violations in the last several years. Interested in accident forgiveness? Ask your agent to compare their offerings. There are no standard terms.

How Much Will My Insurance Increase After an Accident?

If your accident is:

  • “at fault”
  • above the company’s threshold
  • and not subject to accident forgiveness

 your rates will increase at your next auto policy renewal.

How much? That depends on:

  • How much you’re already paying. Surcharges are usually a percentage of premium. So, they more you’re paying, the higher your surcharge would be.
  • How many other accidents you’ve had. Most insurers charge a higher percentage for each accident within the 5 year experience period. If this is your second, it will cost more than the first did.
  • How long the insurance company surcharges for accidents. Many surcharge for 3 or 5 years. Some charge more the first year and decrease the surcharge each year until it’s gone.

Based upon what we see, following an accident, your insurance rates can increase anywhere from 7% to 20%.

Decreased Transparency in Insurance Rates

Insurance companies used to provide rate manuals to their agents. The manuals showed accident surcharge factors and told us how they were applied. Most insurers no longer provide this information. To agents, or even to their underwriters. Rating has also become much more complex.

Insurance companies now calculate custom rates for each person, instead of grouping similar people. Your agent can no longer predict the exact effect an accident will have on your future insurance costs. Even the insurance company underwriters are in the dark. They can’t answer questions any better than agents can. It’s far from ideal.

We’re Here to Help

At Noyes Hall & Allen, we recommend that our clients buy accident forgiveness if they want maximum stability. This helps keep insurance costs predictable. Most good drivers appreciate that. For answers to your Maine auto insurance questions, contact a Noyes Hall & Allen Insurance agent in South Portland at 207-799-5541. We offer a choice of several insurance companies, so we can help you find the best fit. We’re independent and committed to you.

Access Your Insurance Policy Info 24 X 7 – Noyes Hall & Allen Client Center

We have invested in a new service for our clients: 24 x 7 access to your insurance documents from the Noyes Hall & Allen Insurance Client Center. Now you can view your secure policy information, download insurance cards and other proof of insurance, and request policy changes anytime. This 6:17 video explains how:

  1. Log in to the Noyes Hall & Allen Client Center from our home page. Simply enter the email address associated with your account. We will email a one-time code. Enter it in the field, and you’re in!
    Note: some mobile users may have difficulty with certain browsers. We’ve found that Google Chrome works reliably with most devices. 
  2. Select View Account to see the information you want.
  3. Select Policy to see your in-force policies and coverage info, or Documents to see or download proof of insurance, correspondence, or other information we have shared with you. Note that you can also request a change to your insurance policies from the Client Center.
  4. When you’re done, you can log out by clicking on the person icon in the upper right, or simply closing your browser. Our vendor uses the latest security technology to keep your personal information private. You can view our privacy policy here.

THAT’S IT! 

We hope you find the Noyes Hall & Allen Insurance Client Center useful to access your information when it’s convenient for you, whether the office is open or not.

Please note that these are very simplified views of your policy info. You may have purchased additional coverage which doesn’t show on the Client Center policy screen. Your actual insurance policy is always the definitive document of your coverage.

If you have any questions about your insurance, call a Noyes Hall & Allen agent at 207-799-5541. We’re independent and committed to you!

What Does an Insurance Agent Do After a Claim?

No one enjoys making an insurance claim. Something bad happened. You need it fixed. Soon. So much to do! Repair a car or building. Run a business. Get a temporary vehicle. Find a place to live or work. Heal from an injury. Replace damaged or stolen property. Deal with another party after the accident. Stress!

It’s an inconvenience you didn’t need. But, that’s why you bought insurance, right? It’s time for policy to do what it promises: fix you.

Insurance is a Two-Party Contract

Your insurance policy is a written contract between you and your insurance company. No one can change it after a claim. Your contract makes you responsible for certain things. The insurance company too. The policy specifies what’s covered, what’s not, and how losses are paid.

If you purchased your policy from an agent, they can help you through the process. But some things you have to do yourself.

Things only YOU can do in an insurance claim:

  • Make a statement about what happened to insurance companies
  • Prove your loss
  • Choose a contractor or repair shop (some companies have preferred contractors or shops, but cannot force you to use them)
  • Accept or reject a settlement

Things only your ADJUSTER can do in an insurance claim:

  • Determine whether your policy covers your loss
  • Decide who’s at fault in claims involving more than one party
  • Evaluate and pay claims

Some claims never involve anyone but you and the insurance company.  You report it directly to the insurance company. The claim is minor. Settlement is simple. Everything goes smoothly. Other claims are more complex.

You never know which kind of claim you will have. That’s why it’s good to have an agent on your side. Not to mention for the advice they can give you the 99.9% of the time when you’re NOT having a claim.

What Use Is an INSURANCE AGENT after a Claim?

A good insurance agent:

  • Helps you decide whether to make a claim at all.  Is your claim clearly not covered? If it is clearly covered, what’s your policy deductible? Is your insurance cost likely to increase if you make this claim? How much? An agent can answer these initial questions so you can decide whether you want to make a claim at all.
  • Is your insurance sherpa. There’s a lot to know and remember. Report your claim to your insurance company or someone else’s. Protect your property. Gather information you’ll need later. Find a temporary solution until the adjuster can take over. An experienced agent is your sherpa in foreign territory.
  • Is your claim cattle dog. Haven’t heard from your adjuster? Waiting for an appraisal? Having trouble preparing the reports the insurance company needs? A good agent can pull things together and herd your claim in the right direction.
  • Has clout with the insurance company. Agents help their clients to find good insurance companies. So insurers want to be on the agent’s “good list”. A trustworthy and knowledgeable agent earns the respect of the insurance company. They can use that to advocate on your behalf. An agent can’t create coverage where there isn’t, but they can influence the process.
  • Is an “insurance translator”. A good agent can explain the gobbledy-gook in that letter from your adjuster. They can tell you why the offered settlement may be different than you expected. They can explain to the adjuster, using insurance terms, it if it’s wrong. Your agent can even translate in real time, meeting with you and the adjuster face-to-face, to resolve issues.
  • Helps insurance companies get better. Want to let your insurance company know how your claim went? Compliment your adjuster? Complain about the company’s preferred service provider? Rave or rage about the service you received? Share advice for how to make it better? A good agent has a pipeline to the insurance company, and knows where to send the feedback to get the most impact.

Need Help With a Claim? Ask Your Agent!

Don’t assume that your agent knows how your claim is going. Insurance companies don’t routinely communicate with agents during a claim. If you need help, ask your agent. At Noyes Hall & Allen Insurance, we ask our clients if they need help a week after they file a claim on their policy. Many don’t need help. But for those who do we’re able to jump in and assist where needed. We believe that helps our clients’ claims go smoother than they might otherwise.

Do you own a business or live in the Portland Maine area? Looking for an experienced agent who represents several insurance companies? An agent who can help you choose the right insurer and be available if you have a claim? Contact a Noyes Hall & Allen Insurance agent in South Portland at 207-799-5541. Or just click “get a quote” above. We offer a choice of Maine’s preferred business and personal insurance companies. We’re independent and committed to you.

What’s the Difference Between a Homeowners Policy and Dwelling Fire Policy?

Two types of hazard insurance commonly cover Maine homes and property: a homeowners policy and a dwelling fire policy. Each can satisfy your mortgage company’s hazard insurance requirements. Homeowners and dwelling fire policies provide different coverage. Here are some of the major differences.

Homeowners – Broader Coverage, More Limited Eligibility than Dwelling Fire

Maine homeowners insurance policies are designed for owner-occupied properties, usually one- or two-family homes. Insurance companies look to write homeowners policies on well-maintained year-round homes with good claim history.

Homeowners policies provide coverage for more classes of property than dwelling fire policies. Dwelling fire policies usually provide little or no contents coverage, while homeowners policies aim to cover most of your belongings. You can tailor a homeowners policy for special types of property like jewelry, art or firearms. These aren’t well covered by off-the-shelf homeowners policies or dwelling fire policies.

Dwelling Fire Policy – A La Carte Coverage for Unique Properties

Dwelling Fire policies are designed to cover only the things you or the insurance company want to. Is your roof is in poor shape? Your insurance company might exclude damage for water leaks. Own a Maine camp with no plumbing? You don’t need insurance for damage from frozen pipes.  Dwelling fire policies allow you to customize your policy by choosing from the basic DP-1 form, the broader DP-2 form, or the broadest DP-3 form.

Liability coverage on a dwelling fire policy is limited to the premises. Homeowners liability coverage follows you worldwide. Dwelling fire policies also don’t cover theft of contents. These characteristics make dwelling fire policies ideal for insuring tenant-occupied homes or income properties in Maine.

Comparing Homeowners and Dwelling Fire Policies

comparing homeowners and dwelling fire policy coverage - Noyes Hall & Allen

Get Hazard Insurance in the Portland Maine Area

Do you live in Portland or the southern Maine area? Do you own rental or income property? We’re happy to answer your questions about hazard insurance for your mortgage lender, homeowners insurance or dwelling fire insurance. We can explain the difference between various policies. We offer a choice of several insurance companies, so we can shop and compare insurance for you, and help you choose the proper insurance to meet your needs. We’re independent and committed to you. Call Noyes Hall & Allen at 207-799-5541, or click the “get a quote” link above.

2017 Auto Insurance Winners & Losers – and Why it May Not Matter

The National Association of Insurance Commissioners (NAIC) released its annual market share report last week. It ranks US insurance companies by total sales. Some household names grew substantially. Other familiar brands lost big. Should Maine insurance consumers care? Should it affect your buying decision?

US Auto Insurance – a $230 Billion Industry

There’s plenty of competition for your insurance dollars. That’s why GEICO spends more than $1 billion a year on advertising, more than any other auto insurer. Was their big spending worth it? GEICO grew by more than $2 billion in premium last year. That’s more than twice the industry’s 2.5% growth in 2017.

Which Car Insurers Won and Lost in 2017?

Besides GEICO, Progressive grew by more than $1 billion in auto premium. USAA, Auto-owners and AAA rounded out the top 5. Allstate was the biggest loser. They shed almost $1 billion in auto insurance sales. Nationwide and Farmers weren’t far behind (ahead?). State Farm and Hartford rounded out the bottom 5, each losing almost $400 million of auto insurance premium.

Does it Matter Who Won?

Yes, and no. Growing companies can invest in new systems and even more advertising. Shrinking ones must cut costs. They might lay off claims adjusters or close offices to reduce expenses.

The winners and losers in the NAIC report have one thing in common. They’re all large insurers that write business countrywide. But many Maine consumers prefer to insure with smaller, regional insurers. Companies like Concord Group, Hanover and MMG Insurance have big market shares in Maine. New England insurers like these offer local claims and underwriting. They sell through local agents who provide advice and advocacy to their clients. They fly beneath the NAIC’s national radar.


Related: GEICO vs. Agent or Broker – Insurance Buying Tips


When Too Much Growth is Bad

Growth is good. But if an insurer grows too fast, bad things can happen:

  • Bad Service – an insurance company adding lots of new customers usually hires lots of sales people. If they don’t increase their claims and service staff by the same percentage, customer service can deteriorate. That can mean slower claim settlements, longer telephone hold times and inexperienced agents to give you advice.
  • Rate Increases – There are 2 easy ways to sell more insurance in the short run: sell it cheaper than the next guy; or relax standards to let more business in. Then it catches up. Pretty soon, they realize they haven’t charged enough premium to pay claims and expenses. They have to increase everyone’s rates to pay claims.

Is the Best Insurance Company One You’ve Never Heard Of? 

In Maine, many dependable, financially sound insurance companies don’t advertise. They have competitive rates. Their premiums don’t rise and fall dramatically. They settle claims fast and fairly using local adjusters.

How do you find these insurance companies? Contact a local independent agent like Noyes Hall & Allen in South Portland. We offer a choice from several top insurers and help you find the best fit and value. Want to get insurance quotes yourself? Get up to 5 Maine auto insurance quotes in 10 minutes from our web site. If you live outside southern Maine, look in your area for an independent agent like us. We’re independent and committed to you.

Pet Insurance in Portland Maine – Our Newest Solution

Mainers love their pets. More than 60% of Maine households include at least one dog, cat, bird, rabbit, snake or other non-human family member. That puts us in the top 5 states for pet ownership. In fact, Maine ranks #2 in cat ownership at 46.4% of households, according to one survey.

Pet Ownership is a Responsibility

While the joy they bring is priceless, pets depend on us to do what’s best for them. That’s more than just giving them food, water and exercise. Our pets rely on us to manage their health. Veterinary medical care can be expensive, especially when they get sick or injured. Veterinarian treatment, ER visits and veterinary specialists can be budget-busters for pet owners.

Pet Injuries and Illnesses Can Be Costly

Here are a few of the most common conditions and treatments that pets might face:

  • Asthma, feline: inhaler and medication – $500 (plus visits every 3-6 months)
  • ACL surgery, canine (TPLO) – $3,500 to $5,000
  • Diabetes in cats – 1 day of hospitalization every 3 months to check glucose levels, once stable.
    Medication: about $50 per month.
  • Hip dysplasia, dog: Surgery, $2,000 to $4,000.

Pet insurance can help defray these costs. Yet, less than 2% of U.S. pets are covered by insurance.

What Does Pet Insurance Cover?

Most popular pet insurance plans cover treatment for diseases, illnesses and injuries. That includes:

  • Veterinary or specialist treatment
  • Hospitalization
  • Surgeries
  • Prescriptions
  • CAT scans, MRI, X-Ray
  • Cancer Treatments

Every plan has different limitations. Many insurance companies offer different levels of coverage. The higher the limit of coverage, and the lower the deductible, the higher the cost of the insurance.

What Does Pet Insurance Exclude (Not Cover)?

Most plans exclude regular veterinary checkups (well-care).  All pet medical plans exclude pre-existing conditions. If your cat has been diagnosed with asthma, those treatments would not be covered. But, if she was later diagnosed with feline leukemia, that treatment would be. Also, spaying, neutering, and “maintenance” items like ear-cleaning or gland expressing are usually not covered.

Portland Maine Pet Insurance – Our New Solution

We’re excited to now offer a discount for our clients through FIGO pet insurance, one of the top insurers in the U.S. You can choose any veterinarian or provider – you’re not limited to any network.

As a FIGO customer, you can download a free app and make claims on the go. The app also

  • reminds you about shots and appointments,
  • helps you find nearby services like dog parks, pet daycare and pet-friendly hotels.
  • offers a FIGO digital pet tag, so you and your lost pet can be reunited quickly. And, most FIGO plans cover lost pet advertising and reward.

Our clients receive a discounted FIGO rate by using a special link. Payments are made by convenient monthly withdrawals. For more information and a no-obligation quote, click the link below.

 

Unlike your home, auto, renters or business insurance, Noyes Hall & Allen can’t answer billing or coverage questions. FIGO handles all policy issuing, service and claims. We simply offer this discounted program as a service to our clients. Let us know what you think!

Access Your Maine Insurance Policy Info 24/7

We’re pleased to introduce a new feature for clients of Noyes Hall & Allen Insurance. Now, you can access policy documents and information from our secure web site, 24 hours a day, 7 days a week. Lost your Maine auto insurance card? Want to check on your coverage at night or on the weekend?  You can log on easily and get the information you need in two minutes or less. Here’s how.

Step 1 – Visit NoyesHallAllen.com


Look for the “My Account” icon on the upper right of the page (or in the list on a mobile phone). It opens to a drop-down menu. Select an option.

 

Step 2 – Log In Using Your Email Address

You must use the email address that our agency has on file for you. This is usually the one that we have emailed correspondence to in the past. Let us know if we should use a different email address.

 

Step 3 – Log In With a Secure Verification Code 

This is sent instantly to your mobile device or your email address. This code helps keep your personal information in your hands alone. It expires after 5 minutes.

 

Step 4 – Choose the Policy or Documents You Want

The default view is “policies. This allows you to view the details of your coverage by clicking “view policy” below the snapshot.(click on the image for a larger version)

Note that there’s an option to switch to “documents” as well as the default “policies”.

 

If you want to download your insurance cards, choose “documents” click “download” on the right. You can print or save them to your device from there. By law, Maine Bureau of Motor Vehicles, city and town halls and law enforcement officers accept electronic proof of insurance. You aren’t required to produce a paper copy.

(click on the image for an enlarged verson)

 

We hope that you enjoy the convenience of 24/7 access to your insurance policy information.

Please note:
1) Most insurance companies share their information with us electronically in a compatible form with this feature. If your documents aren’t available, call us and we can send them to you.

2) The policy information on the Client Center is a very simplified recap of your policy. You may have purchased endorsements that the Client Center can’t show, so your coverage might be different. Your insurance policy is always the definitive document of your insurance coverage.