Why Fireman's Fund?

Prestige Plus Homeowners

• Rated A++ Excellent by A.M. Best
• No limit on value of homes we will insure
• "Open Perils" or "All-risk" coverage on contents and building. (Unless we say specifically that a peril is no covered, it is).
• Breakage included for contents
• Backup of sewers and drains included
• High internal limits for theft of jewelry, furs, silver.
• Earthquake coverage included for contents
• No limit for theft of guns
• Superb claims service
• We specialize in covering historic homes. No home too old - and generous credits for updates.

Auto

• 20% discount available if home is written in preferred program.
• Split tiering available
• High value vehicles not a problem
• No inexperienced operator points charged.
• Corporate auto multi-car discount given
• Key Replacement covered automatically
• $500 personal property coverage included automatically
• High liability limits available
• Agreed Value available

Scheduled Valuable Possessions

• You'll never call us and hear us say that we think the schedule is too big. No size limitation -- the bigger, the better!
• We can write "stand alone" (mono-line) inland marine policies if the premium is around $200 or more. The policy is system supported, not manually issued (no hassles at renewal!).
• When a schedule for jewelry passes the $100,000 mark most companies start surcharging the rate. We do the opposite. Depending on the characteristics of the risk, we can credit the filed rate up to 40%. If needed, we can even negotiate a deductible if desired.
• We settle claims on an agreed-value basis. No requirement to replace. If an item is scheduled for an amount that is the amount you receive. That is unless the next feature comes into play...
• Extended Replacement cost of up to 150% is included automatically for items that are detailed on the schedule. How does it work? Suppose you have a ring scheduled at $10,000. It is stolen, and when you attempt to replace it you find that it will actually cost $15,000. Since we will pay up to 150% of the scheduled amount, we would settle the claim at $15,000.
• No appraisal needed on newly scheduled articles until the value of the individual item exceeds $25,000. If you are scheduling items that have previously been insured by another insurance company, we do not require an appraisal on any individual item until its value exceeds $75,000. That ease of doing business.
• For blanket schedules the "per item" limit is $10,000, NOT $2,500 like most other companies.
• Breakage is included automatically. (It is also automatically included for basic contents covered with the Prestige Plus homeowners policy, even if it is not scheduled -- the deductible would apply).
• Generous alarm credits apply to rates. In fact, we give a 20% Alarm credit for in-home safes if the safe is permanently attached or weighs at least 750 lbs. We also offer a 10% credit for "GemPrinted" jewelry.

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