California Department of Insurance (CDI)
HPS 2018 Company Footnotes
as of May 2018
Statistical Analysis Division
Source: HPS-2018
Page 1 of 12
Dave Jones,
Insurance Commissioner
NAIC COMPANY COMPANY FOOTNOTES/EXPLANATIONS
CONSUMER
PHONE NUMBER
WEBSITE CONSUMER EMAIL
15598
AAA (INTERINSURANCE EXCHANGE
OF THE AUTOMOBILE CLUB)
Deadbolts are mandatory for all policies. We've assumed a discount for HO-4 and HO-6.
We've assumed a tile roof on all HO-3 policies.
We've assumed that all properties have smoke detectors.
Mulit-Policy discounts are included in the reported premiums.
One-Story home discounts are available for HO-3 policies. They are not included in the reported premiums.
For Age of Home 70 years a raised foundation type has been assumed; for all other ages a slab foundation has been
assumed.
Examples 9 and 10 have no premiums shown as a $2500 deductible is not offered.
Examples 11 and 12 have no premiums shown as we do not offer coverage for mobile homes.
Example 15-18 have no premiums shown as we do not offer coverage for earthquakes.
We are members of the CEA, who provides earthquake coverage for our insureds.
1-877-222-1445
www.aaa.com
WebmasterACSC@aaa-calif.com
33898
AEGIS SECURITY INSURANCE CO
OTHER DISCOUNTS: For Homeowners: 1) Roof Replacement Credit: 2% or 5%. 2) Copper Plumbing: 2%. 3) New
Acquired Discount (if the home or unit closed escrow within the last 9 months) 3%, 6% or 9%. For Mobile Homes: 1) No
LienHolder : $15 credit 2) Replacement Cost Exclusion: $15 or $25 credit
1-844-207-4339 www.aegisinsurance.com usersupport@aegisinsurance.com
19402
AIG PROPERTY CASUALTY
COMPANY
Other credits/discounts available:
Protection credits (for a maximum of 15%)
External perimeter security: 5%
24-hour signal continuity protection for fire/burglar alarm systems: 3%
Full-time caretaker: 5%
Sprinkler system water flow alarm: 3%
Temperature monitoring system to protect against freezing: 3%
Permanently installed electrical power back-up generator: 3%
Explosive gas leakage detector: 3%
Automatic seismic shut-off valve to gas lines: 5%
Lightning protection system: 3%
Perimeter gate: 3%
Automatic water shut-off valve: 8% or 12%
Off Premises Theft Exclusion Credit: 2%
Guard Gated Community Patrol Service Credit 15%
Reduction in commission credit: 5% to 10%
Private Collections Policy Credit: 5%
Renovated House credit: 1% to 10%
Excess Flood Policy credit: 10%
Personal Excess Liability Policy credit: 5%
Exterior Sprinklers: 10%
Ember resistant venting: 25%
Enclosed Eaves: 5%
Annual brush removal contract: 5%
Permanently installed wildfire spray system: 25%
Portable Fire Break system: 5%
1-866-304-5047 www.aig.com [email protected]om
19232 ALLSTATE INSURANCE COMPANY
Home Buyer Discount (up to 20%). Allstate Insurance Company offers Earthquake Coverage through CEA for Single
Family Dwelling, Mobilehome, Condo, and Tenants/Renters policies.
1-800-ALLSTATE
1-800-255-7828
www.allstate.com http://messaging.allstate.com/aorp.aspx
California Department of Insurance (CDI)
HPS 2018 Company Footnotes
as of May 2018
Statistical Analysis Division
Source: HPS-2018
Page 2 of 12
Dave Jones,
Insurance Commissioner
NAIC COMPANY COMPANY FOOTNOTES/EXPLANATIONS
CONSUMER
PHONE NUMBER
WEBSITE CONSUMER EMAIL
19100
AMCO INSURANCE COMPANY
The following are additional credits that are available: Retention Credit, Age of Insured Discount, Personal Status
Discount, Home Renovations Discount, Home Purchase Discount, Nationwide Associate Discount and Multi-Line
Discount.
1-800-982-0756 www.nationwide.com
Please contact company
10111 AMERICAN BANKERS INS
Product Overview
Renters Insurance Program
a program that provides broad form protection for personal property, loss of use along with personal liability coverage for
tenants of leased/rented residential property. It is a package policy; however, the insured has the flexibility to add optional
coverages and increase their coverage for personal property and personal liability to meet their insurance needs. The
target market is the standard market.
Specialty Homeowners Program
a manufactured housing homeowner insurance program that provides comprehensive physical damage coverage for
direct, sudden and accidental loss of or damage to the home. It is a by line program that allows the insured the flexibility
to add coverage for adjacent structures, personal effects and comprehensive personal liability to meet the insured's
needs. The target market is the standard market.
Condominium Insurance
a condominium homeowner insurance program whose base policy provides broad form coverage for building
additions/alterations, personal property, loss of use and personal liability coverage. It is a package policy; however, the
insured has the flexibility to add optional coverages and increase their coverage for building additions/alterations,
personal property and comprehensive personal liability to meet the insured's needs. The target market is the standard
market.
1-800-852-2244 https://www.assurant.com https://www.assurant.com
23469
AMERICAN MODERN INSURANCE
GROUP
Example #18- We only provide $5,000 in Earthquake Coverage in the Tenant Program, no more or no less. The amount
provided in the example is for $1,000 in coverage as requested by the state. We took the rate for $5,000 and divided it by
5. The full premium for $5,000 in Earthquake Coverage is $99.00.
1-800-543-2644 www.amig.com servicecenter@amig.com
28401 AMERICAN NATIONAL
Company did not provide consumer footnotes. 1-800-899-6519 www.americannational.com servicecenter@americannational.com
19615
AMERICAN RELIABLE INSURANCE
COMPANY
Company did not provide consumer footnotes. 1-800-535-1333 www.americanreliable.com aricmarketing@americanreliable.com
42978
AMERICAN SECURITY INS
The Choice program is a voluntary homeowner’s product for traditional to non-traditional risk categories. It uses flexible
standards to offer coverage to borrowers/insured’s who may have difficulty acquiring or maintaining coverage in the
primary market. The program includes a mix of coverage options, limits, deductibles and optional endorsements that are
found in the standard market.
The product is sold by contracted and licensed agencies that quote our program on the Colours rating and policy
issuance system. The agents are either a lender placed partner, a direct writer or agency business.
1-877-893-5739 https://www.assurant.com https://www.assurant.com
19976
AMICA MUTUAL INSURANCE
COMPANY
Additional Discounts: Automatic (hard-wired) Generator - 10% off Water peril; Temperature Monitoring System - 4% off
Water peril; Water Leak Detection System - 6% off Water peril; Gas Leak Detection System - 4% off Fire peril; Prompt
Payment - 2%-4% off all perils; Superior Construction - 25% off Fire peril; Mitigation Credits - 2%-20% off Wind and/or
Water peril; Year of Construction - 15%-30% off Earthquake
1-800-242-6422 www.amica.com
https://www.amica.com/Amica/Contact/C
ontactUs.jsp
14042
ASI SELECT INSURANCE
CORPORATION
Non smoker = 1%, Companion Umbrella = 10%, Earthquake Insurance Discount = 5%, Length of Residence = up to
10%, Flood Companion policy = 3.3%
* For examples 11 and 12-single family residence to be rated using your company’s mobile home policy form
>We do not write mobile home policies in CA.
* For Examples 15, 16, 17 and 18 we are asking for your basic EARTHQUAKE rate for each of the specified locations in
lieu of a total premium on a specific example (i.e. $2.50 per thousand of coverage).
>We write our earthquake coverage through the CEA.
1-866-274-8765 https://www.americanstrategic.co
m
inquiry@asicorp.org
18279
BANKERS STANDARD INSURANCE
COMPANY
Company did not provide consumer footnotes. 1-800-444-6161 www.chubb.com customercar[email protected]om
California Department of Insurance (CDI)
HPS 2018 Company Footnotes
as of May 2018
Statistical Analysis Division
Source: HPS-2018
Page 3 of 12
Dave Jones,
Insurance Commissioner
NAIC COMPANY COMPANY FOOTNOTES/EXPLANATIONS
CONSUMER
PHONE NUMBER
WEBSITE CONSUMER EMAIL
13544
CALIFORNIA CAPITAL INSURANCE
GROUP
A 6.1% discount is available to California Firefighters Program (CFP) members.
A 3.0% discount is available to policyholders that have both a Homeowners (HO-3, HO-4, or HO-6) policy and a Dwelling
Fire policy written with Capital Insurance Group.
A 3.0% discount is available to policyholders that have both a Homeowners (HO-3, HO-4, or HO-6) policy and an Excess
Liability policy written with Capital Insurance Group.
1-800-682-9255 www.ciginsurance.com
feedback@ciginsurance.com
20117
CALIFORNIA CASUALTY INDEMNITY
EXCHANGE
Some situations may require underwriting review.
CALIFORNIA CASUALTY HOMEOWNERS INSURANCE IS PRIMARILY AVAILABLE TO MEMBERS OR EMPLOYEES
OF VARIOUS AFFINITY GROUPS OR EMPLOYERS.
1-866-680-5143 www.calcas.com contact@calcas.com
20281
CHUBB GROUP (FEDERAL)
• EX 15: MINI EQ, STANDARD, FRAME BUILT 2001, OTHER EQ FACTORS 1.00
• EXS 17 & 18: MINI EQ, STANDARD, FRAME BUILT 2001, 4 STORIES, OTHER EQ FACTORS 1.
• NO MOBILE HOME FORM EXISTS; APPLICABLE EXAMPLES HAVE BEEN LEFT BLANK
• BASE POLICY STRUCTURE:
o COVERAGE B - OTHER STRUCTURES (20% AUTOMATICALLY PROVIDED)
o COVERAGE D - ADDITIONAL LIVING EXPENSE (50% AUTOMATICALLY PROVIDED)
o COVERAGE F - MEDICAL PAYMENTS ($10,000 AUTOMATICALLY PROVIDED).
• OTHER CREDITS:
o FIRE RESISTIVE
o For Protective Device and Property Mitigation Credits we offer the following credits (noted in Credits-Options
worksheet) that are available for a credit range of 1% (individual) to 20% (cumulative) credit: Security Protection for
External Perimeter, Full Time Caretaker, 24 Hour Signal Continuity, Temperature Monitoring, Electrical Backup
Generator, Gas Leakage Detector, Lightning Protection, Water Leak Detection, Gated House, manual and automatic
wildfire suppression systems, Gated Community Patrol Service.
o CONTENTS WITH ACV
o HOME CREDIT WITH VALUABLE ARTICLES
o FPE CREDIT
o CONDO/COOP PREFERENCE
1-866-324-8222 www.chubb.com customercar[email protected]om
10677
CINCINNATI INSURANCE COMPANY
(THE)
The following is a list of other credits offered besides those listed on the 'credits-options' tab:
All Forms:
private collections policy - 5% to 12%
twenty-four hour signal continuity - 3%
umbrella package - 5% to 12%
gated community patrol service - 5%
Owners forms only:
renovated home - 1% to 10%
actual cash value loss settlement - windstorm or hail losses to roof surfacing - 1%
security protection factor - 5%
temperature monitoring system - 3%
back-up generator factor - 3%
explosive gas leak detector - 3%
lightning protection system - 3%
Tenant and Condo forms only:
building protection - 3%
elevators manned or locked and coded - 1%
lobby with functioning surveillance - 1%
All forms except Tenant:
automatic water shut-off system - 8% to 12%
1-888-242-8811 www.cinfin.com www.cinfin.com/contact-us/sendmail
California Department of Insurance (CDI)
HPS 2018 Company Footnotes
as of May 2018
Statistical Analysis Division
Source: HPS-2018
Page 4 of 12
Dave Jones,
Insurance Commissioner
NAIC COMPANY COMPANY FOOTNOTES/EXPLANATIONS
CONSUMER
PHONE NUMBER
WEBSITE CONSUMER EMAIL
10693
CIVIL SERVICE EMPLOYEES INS
GROUP: Civil Service Employees Ins
CSE Group: NAIC 10693 Civil Service Employees Ins is part of the CSE Group. Credits do not always apply to all
coverages in the policy. Multi-policy discounts vary based on what other policies you have with CSE. An auto and
personal umbrella will give a better discount than just an auto policy. The maximum is 24%. We use factors rather than
percentages for some of our discounts. Age of home is one - we use different factors for fire than we do for all other
perils, so there is not an easy way of giving any factors. Younger homes will cost less to insure than older ones in
general. Other credits: Gas shutoff valve 3%, Water Leak Detection Device - connected - 3%, Neighborhood Crime
Watch member - 10%
There are many other items to check, such as the actual coverages provided in addition to price. Our policies can be
made to be quite broad or not so broad to fit your needs at a reasonable price.
Please be sure to insure your homes to their full replacement cost (generally, what a contractor would charge to rebuild -
not the same as what you can sell it for.) Most of our homeowner policies include 130% extended replacement cost on
the dwelling itself. For
those living in condominiums and rental units, the contents are rated with replacement cost coverage.
An independent agent who works with CSE can help you with coverages and valuation, as well as premium. Please find
one of our local agents by checking our website, cseinsurance.com.
1-800-282-6848 www.cseinsurance.com
customersesrvice@cseinsurance.com
18953
CIVIL SERVICE EMPLOYEES INS
GROUP: CSE Safeguard
CSE Group: NAIC 18953 CSE Safeguard is part of the CSE Group. Credits do not always apply to all coverages in the
policy. Multi-policy discounts vary based on what other policies you have with CSE. An auto and personal umbrella will
give a better discount than just an auto policy. The maximum is 24%. We use factors rather than percentages for some
of our discounts. Age of home is one - we use different factors for fire than we do for all other perils, so there is not an
easy way of giving any factors. Younger homes will cost less to insure than older ones in general. Other credits: Gas
shutoff valve 3%, Water Leak Detection Device - connected - 3%, Neighborhood Crime Watch member - 10%
There are many other items to check, such as the actual coverages provided in addition to price. Our policies can be
made to be quite broad or not so broad to fit your needs at a reasonable price.
Please be sure to insure your homes to their full replacement cost (generally, what a contractor would charge to rebuild -
not the same as what you can sell it for.) Most of our homeowner policies include 130% extended replacement cost on
the dwelling itself. For
those living in condominiums and rental units, the contents are rated with replacement cost coverage.
An independent agent who works with CSE can help you with coverages and valuation, as well as premium. Please find
one of our local agents by checking our website, cseinsurance.com.
1-800-282-6848 www.cseinsurance.com customersesrvice@cseinsurance.com
California Department of Insurance (CDI)
HPS 2018 Company Footnotes
as of May 2018
Statistical Analysis Division
Source: HPS-2018
Page 5 of 12
Dave Jones,
Insurance Commissioner
NAIC COMPANY COMPANY FOOTNOTES/EXPLANATIONS
CONSUMER
PHONE NUMBER
WEBSITE CONSUMER EMAIL
10887
COASTAL SELECT PROPERTY
INSURANCE COMPANY
#15: Rates are for Coastal Select's Premier EQ Protector product. This product
is not available for new business in all zip codes, and is reported as blank in
those zip codes. The rates contemplate a home built 1973 or later. Surcharges apply
for homes built prior to 1973. The Premier EQ Protector base rates reported contemplate
a 10% deductible.
#16: Coastal Select does not write Earthquake coverage for mobilehomes.
#17: Rates are for Coastal Select's Condo EQ Protector product which provides
a flat $25,000 for Coverage A, Contents (Coverage C) between $25K-$500K, Loss
of Use (Coverage D) up to $2,500, and Loss Assessment (Coverage F) up to $5,000.
The deductible is 10% for Coverages A, C and F. Coverage D is not subject to a
deductible. The rates provided comtemplate a home built 1973 or later. Surcharges
apply for homes built prior to 1973.
#18: Coastal Select no longer writes Earthquake coverage for Tenants/Renters.
#15: Coastal Select also offers a Security EQ Protector product which provides
Dwelling coverage, Contents coverage up to a limit of $5,000, and Loss of Use coverage
up to a limit of $1,500. The Security EQ Protector product is not available in all zip
codes.
#15, #17: Losses to dwelling and personal property are settled at replacement cost as
part of the policy (this is not an optional coverage). Replacement cost settlement is
subject to some provisions as described in the actual policy form.
#17: The Condo EQ Protector product is not available for new business in all zip codes,
and is reported as blank in those zip codes.
1-800-774-1012 www.CoastalSelectInsurance.com
info@coastalselectinsurance.com
18961
CRESTBROOK INSURANCE
COMPANY
Company did not provide consumer footnotes. 1-855-473-6410
https://www.nationwideprivateclien
t.com/
privateclient@nationwide.com
15539 CSAA INSURANCE EXCHANGE
(1) CSAA IE writes only in Northern California. Therefore Southern California zips are not applicable.
(2) Examples 11 & 12: As of April 1, 2003, the Manufactured Home/Mobilehome was discontinued
for new business in both California and Nevada. Therefore, these examples are not applicable.
(3) Examples 15 to 18: CSAA IE does not write Earthquake business. Therefore, these
examples are not applicable.
(4) If a secondary residence is insured, the basic premium for the secondary residence is
reduced by $5.
(5) Minimum Coverage C limit increased to 75% for Replacement Cost.
(6) Minimum Coverage D limit increased to 40%.
(7) CSAA IE offers Earth Quake Coverage through The California Earthquake Authority for our
Homeowner, Condominium, Renter and Dwelling Fire Products.
'(a) There is an additional 5% AAA membership discount that is available to the Homeowners
and Renters policies.
(b) There is an additional employee discount of 10% that is available to the Homeowners
and Renters policies.
* In order to qualify for the smoke and burglar alarm discount, the following must apply:
a) (smoke or fire alarm) AND local burglar alarm: 5%
b) (smoke or fire alarm) AND central station/police station burglar alarm: 10%
*** For policies that have been in effect for 3 or more years with no claim points.
1-800-922-8228 http://csaa-insurance.aaa.com http://calstate.aaa.com/
10358 ENCOMPASS INSURANCE COMPANY
Encompass offers a Home Buyer Discount of up to 10%(current year) to up to 2% (year 4) on eligible premium. 1-800-897-9678 www.encompassinsurance.com see website
California Department of Insurance (CDI)
HPS 2018 Company Footnotes
as of May 2018
Statistical Analysis Division
Source: HPS-2018
Page 6 of 12
Dave Jones,
Insurance Commissioner
NAIC COMPANY COMPANY FOOTNOTES/EXPLANATIONS
CONSUMER
PHONE NUMBER
WEBSITE CONSUMER EMAIL
21660 FARMERS (FIRE INS EXCHANGE)
Farmers Next Generation Homeowners Product Includes
- 25% Extended Replacement Cost on Building
- 10% Building Code Upgrade Coverage.
Additional options are available for purchase.
1-800-327-6377 www.farmers.com
www.farmers.com
34525
FIRST AMERICAN SPECIALTY
First American Specialty does not write Mobile homes, Manufactured homes, or renters insurance. 1-888-922-5343
www.fapcig.com
www.fapcig.com
11185
FOREMOST INSURANCE COMPANY
GRAND RAPIDS, MICHIGAN
Co-info Part II: 1. The rate change effective 4/1/2017 only applies to our Manufactured Home program. We are not
proposing to change rates within our Homeowners Classic CL program.
Premium Rates: Our company only offers Earthquake coverage through the CEA, so examples 15 - 18 were left blank.
The CEA provides earthquake coverage for our Homeowners and Manufactured Home programs (Exhibit 1 examples 2-
12, and Exhibit 1-Earthquake examples 15 & 16).
Credits-Options: The Building code upgrade coverage for our Homeowners program is 10%. The Building code upgrade
coverage for our Manufactured Home program is 5%, with the option to endorse to 10% by adding on the Additional
Coverage Endorsement.
1-800-237-2060 www.foremost.com
https://www.foremost.com/about-
foremost/contact-us.asp
11800
FOREMOST PROPERTY AND
CASUALTY INSURANCE COMPANY
Manufactured Home is the only product we write in our Foremost Property and Casualty Insurance Company. Thus, only
examples 11 & 12 are filled in. Our company offers Earthquake coverage through the CEA. Thus, examples 15 - 18 were
left blank. The CEA provides earthquake coverage for Exhibit 1-Mobilehome examples 11 & 12 and Exhibit 1-Earthquake
examples 16 - Manufactured Home which is the only product we write within Foremost Property and Casualty Insurance
Company.
1-800-237-2060 www.foremost.com
https://www.foremost.com/about-
foremost/contact-us.asp
24732
GENERAL INSURANCE COMPANY
OF AMERICA
Company did not provide consumer footnotes. 1-800-332-3226 www.safeco.com www.safeco.com
10799
GEOVERA INSURANCE COMPANY
#15: Rates are for GeoVera's Comprehensive product which provides a Combined
Single Limit for Dwelling, Other Structures, Personal Property, and Loss of Use. The
deductible is 10% to 25% of the Combined Single Limit. The rates provided contemplate
a home built between 1942 and 1979 and an MMI that is the average for the rated zip
code. Additionally, debits and credits are applied based on the construction features of
the risk.
#17: GeoVera does not have a special condominium product, but will write the Standard
product for condominium risks.
#18: Tenant policy rates are the same as the rates for GeoVera's Standard product.
The amount of insurance is $6,500 (comprised of a $5,000 Contents limit and a $1,500
Loss of Use limit). The deductible is $750. The minimum premium is $200.
#15: GeoVera also writes a Standard product which provides basic earthquake coverage
for Dwelling, Contents ($5,000 maximum), and Loss of Use ($1,500 maximum).
#15, #17, #18: GeoVera does not currently offer the Standard product for new business
quotes in some zip codes in the following 5 counties: Los Angeles, Ventura, Alameda,
San Mateo, and Santa Clara. Homes in these zip codes may be eligible for our broader
Comprehensive policy, however, the 10% deductible option is not available in all areas.
#15, #17, #18: Losses to dwelling and personal property are settled at replacement
cost as part of the policy (this is not an optional coverage). Replacement cost settlement
is subject to some provisions as described in the actual policy form.
1-800-324-6020 http://www.geovera.com info@geovera.com
22101 GRANGE INSURANCE ASSOCIATION
All single family dwelling policies have contents coverage of 75% of the dwelling coverage amount included. 1-800-247-2643 www.grange.com marketing@grange.com
11000
HARTFORD (SENTINEL INS CO)
Company did not provide consumer footnotes. 1-800-624-5578 www.thehartford.com www.thehartford.com
California Department of Insurance (CDI)
HPS 2018 Company Footnotes
as of May 2018
Statistical Analysis Division
Source: HPS-2018
Page 7 of 12
Dave Jones,
Insurance Commissioner
NAIC COMPANY COMPANY FOOTNOTES/EXPLANATIONS
CONSUMER
PHONE NUMBER
WEBSITE CONSUMER EMAIL
11005
HOMESITE INSURANCE COMPANY
OF CALIFORNIA
Premiums-rates Examples #11-#12:
Homesite currently writes homeowners, condominium, and renters insurance policies; Homesite does not offer
manufactured home/mobile coverage at this time.
Premium-rates Examples #15-#18:
Homesite administers earthquake coverage policies provided by the California Earthquake Authority (CEA). This
coverage is available for all homeowners, condominium, and renters policyholders. Pricing and rates for earthquake
coverage are set by the CEA and are not available for analysis by Homesite.
1-800-466-3748 https://homesite.com
customerinquiry@homesite.com
22578
HORACE MANN INSURANCE
COMPANY
Our tenant and condo policies are subject to either a $500 or $1000 minimum deductible
requirement depending on the coverage amount selected. Tenant policies with a coverage amount
between $16,000 and $50,000 are assigned a minimum deductible requirement of $500, while
policies with a coverage amount between $50,001 and $100,000 are assigned a minimum deductible
requirement of $1000. Condo policies with a coverage amount between $20,000 and $75,000 have
a minimum deductible requirement of $500 and policies with a coverage amount between $75,001
and $200,000 have a minimum deductible requirement of $1,000.
Horace Mann offers rates for examples 1, 3, and 14e but at different deductibles. Please contact the company for these
rates.
1-800-999-1030 www.horacemann.com www.horacemann.com
22756
HORACE MANN PROPERTY &
CASUALTY INSURANCE COMPANY
Our tenant and condo policies are subject to either a $500 or $1000 minimum deductible
requirement depending on the coverage amount selected. Tenant policies with a coverage amount
between $16,000 and $50,000 are assigned a minimum deductible requirement of $500, while
policies with a coverage amount between $50,001 and $100,000 are assigned a minimum deductible
requirement of $1000. Condo policies with a coverage amount between $20,000 and $75,000 have
a minimum deductible requirement of $500 and policies with a coverage amount between $75,001
and $200,000 have a minimum deductible requirement of $1,000.
Horace Mann offers rates for examples 1, 3, and 14e but at different deductibles. Please contact the company for these
rates.
1-800-999-1030 www.horacemann.com www.horacemann.com
California Department of Insurance (CDI)
HPS 2018 Company Footnotes
as of May 2018
Statistical Analysis Division
Source: HPS-2018
Page 8 of 12
Dave Jones,
Insurance Commissioner
NAIC COMPANY COMPANY FOOTNOTES/EXPLANATIONS
CONSUMER
PHONE NUMBER
WEBSITE CONSUMER EMAIL
29068
IDS PROPERTY CASUALTY
INSURANCE COMPANY
Other available credits/discounts:
-Smoke alarm 1%, Longevity discount 0% to 6%, Costco member 2%
-The PMC Discount overrides the Age of home discount allowing the customer to use the age of completed upgrade to
the entire plumbing, electrical and heating and cool systems as the age of the house
Base Policy Structure Deviations:
-Coverage C - Contents 75% for Special not 50%, Coverage F- Medical payments $2000 not $1000
Cap set for deductible credits:
-For $250, $500, $1000, & $2500 ded (Ex 1-10) no max credit
-For $250 & $500 ded (Ex 13) no max credit
-For $250 & $500 ded (Ex 14) no max credit
Workers' Compensation & Employers' Liability:
-Occasional Workers Class Liability Premium is to be automatically included in all policies afford
Personal Liability
Example #11-12
No rates for mobilehomes
Example #13
-Did not include rates for 13-A, our underwriting guidelines state Coverage C must be at least
least $50,000
Example #14
-Did not include rates for 14-A, 14-B, & 14-C, our underwriting guidelines state
Coverage C must be at least $40,000
Example #15-18:
- #15 - Rates shown are for Dwelling coverage only (home built from 1991 to present)
- #16 - No EQ rates for mobilehomes
- #17 - Rates shown are for Personal Property coverage only
- #18 - Rates shown are for Personal Property coverage only
1-800-842-3344 www.ameriprise.com/autohome
ameripriseauto.home@ampf.com
29742
INTEGON NATIONAL INSURANCE
COMPANY
We do not offer $25,000 Contents Amount of Insurance Coverage for HO6 (Example 13a)
We do not offer $15,000 Contents Amount of Insurance Coverage for HO4 (Example 14a)
We do not offer $25,000 Contents Amount of Insurance Coverage for HO4 (Example 14b)
1-877-468-3466 www.nationalgeneral.com service@ngic.com
10914
KEMPER INDEPENDENCE
INSURANCE COMPANY
Additional discounts available: CA Home inspection/Home purchase discount: 1-10%, Loss Free: 19% (applied in
examples), Account discount: 15%, Superior construction: 15%
1-866-860-9348 www.kemper.com www.Kemper.com (Contact Us)
42404
LIBERTY INSURANCE
CORPORATION
For Liberty Mutual, the CEA provides coverage for: Homeowner policies (excluding Manufactured Homes); Dwelling Fire
Policies (Rental Properties); Tenant Policies and Condominium Policies (Common Interest Development).
1-800-837-5254 www.libertymutual.com
www.libertymutual.com/email-customer-
service
23876
MAPFRE INSURANCE COMPANY
Examples 15 to 18 (Earthquake rates) are left blank as instructed by the CDI Statistical Plan. MAPFRE issues
Earthquake Coverage underwritten by California Earthquake Authority (CEA) through a contracted company for all
residential property policies.
1-877-627-3731 www.mapfreinsurance.com customerservice@commercewest.net
California Department of Insurance (CDI)
HPS 2018 Company Footnotes
as of May 2018
Statistical Analysis Division
Source: HPS-2018
Page 9 of 12
Dave Jones,
Insurance Commissioner
NAIC COMPANY COMPANY FOOTNOTES/EXPLANATIONS
CONSUMER
PHONE NUMBER
WEBSITE CONSUMER EMAIL
38342
MERCURY INS GROUP: California
Automobile Insurance Company
Examples 1 through 10 were rated with a Coverage B limit equal to a minimum 20% of Coverage A.
Examples 1 through 10 were rated with a Coverage D limit equal to a minimum 50% of Coverage A.
Examples #11 and #12 were not completed due to mobilhomes being unacceptable.
Example #13a was not completed due to Coverage C limit of $25,000 not being available.
Example #14a was not completed due to Coverage C limit of $15,000 not being available.
Example #13 was rated with a Coverage D limit equal to a minimum 50% of Coverage C.
Example #14 was rated with a Coverage D limit equal to a minimum 30% of Coverage C.
Examples # 15 to 18 rates are not shown as all EQ risks are written through the CEA.
Other discounts available include:
Home Buyer Discount - up to 10%
Homeowners Association Discount - 5%
CEA Discount - 7%
1-800-924-9225 www.mercuryinsurance.com
customerservice@mercuryinsurance.co
m
25321
METROPOLITAN DIRECT PROPERTY
AND CASUALTY INSURANCE
COMPANY
1. Products offered by California Metropolitan Direct Property & Casualty Insurance Company include Owners, Renters,
Condominium, and Landlords Products. Mobilehome policies are not available for New Business. Section I Coverage
may be extended to losses resulting from Earthquake Coverage for Owners, Renters and Condominium Products.
2. Examples 11, 12 and 16. - Mobilehome policies are not available for New Business and therefore the rating examples
are blank.
3. Available Credits and Discounts can be found on the credits-options tab.
Additional Credits Include:
4. A 5% discount is available for a combination of the following protective devices: smoke detectors (one per living level),
deadbolt locks (on all exterior doors), and fire extinguisher.
5. A discount is available based on the number of months the insured has maintained a property policy with Metropolitan
and the number of months the insured has been claim-free. The discount ranges from 5% to 15%.
6. Our Multi-Policy (Auto also insured with Co.) discount is 30% for Homeowners policies and 10% for other policy forms
(e.g., Tenant, Condominium, etc.).
1-800-422-4272 www.metlife.com metautoinfo@metlifeservice.com
25453
NATIONWIDE INSURANCE COMPANY
OF AMERICA
The following are additional credits that are available: Personal Status Discount, Home Renovations Discount, Home
Purchase Discount, Nationwide Associate Discount, Age of Insured Discount and Multi-Line Discount. Earthquake
coverage is provided through CEA for the following profiles: Single Family Dwellings, Condo's and Tenants/Renters.
1-800-982-0756 www.nationwide.com Please contact company
11048
PACIFIC PROPERTY AND CASUALTY
COMPANY
We offer earthquake coverage by endorsement (FX-9301) for our dwelling forms, SH-3 and SH-7. The premium is
variable based upon the policy's Coverage A amount, zone (territory), construction, and age of structure.
We offer earthquake coverage by endorsement (FX-41313) for our tenants form, SH-4. The premium is fixed and varies
by zone (territory), construction and age of structure.
We offer earthquake coverage by endorsement (FX-61314) for our condominium unit-owners form, SH-6. The premium is
variable based upon the policy's Coverage A amount, zone (territory), construction, and age of structure. We also offer
loss assessment coverage for earthquakes by endorsement (FX-61317) for our condominium unit-owners form, SH-6.
The premium for this endorsement is fixed and varies upon zone (territory).
1-800-899-6519 www.americannational.com servicecenter@americannational.com
37850
PACIFIC SPECIALTY INSURANCE
COMPANY
Company did not provide consumer footnotes. 1-800-303-5000 www.pacificspecialty.com psic@pacificspecialty.com
California Department of Insurance (CDI)
HPS 2018 Company Footnotes
as of May 2018
Statistical Analysis Division
Source: HPS-2018
Page 10 of 12
Dave Jones,
Insurance Commissioner
NAIC COMPANY COMPANY FOOTNOTES/EXPLANATIONS
CONSUMER
PHONE NUMBER
WEBSITE CONSUMER EMAIL
12873
PRIVILEGE UNDERWRITERS
RECIPROCAL EXCHANGE
Examples 11a - 12c and 16 = We do not write Manufactured Home/Mobile Homes.
Examples 15, 17, and 18 = Please contact the company at (888) 813-7873 for rates on Profiles 15, 17, and 18
1-888-813-7873 www.pureinsurance.com
memberservices@pureinsurance.com
39217
QBE INSURANCE COMPANY
Company did not provide consumer footnotes. 1-866-318-2016 www.qbena.com
cssupport@us.qbe.com
24740 SAFECO INSURANCE COMPANIES
Example 15: We do not offer Earthquake for Dwelling - written through CEA
Example 16: We do not offer Earthquake for Mobilehome - written through CEA
Example 17: We do not offer Earthquake for Condo - written through CEA
Example 18: We do not offer Earthquake for Tenants/Renters - written through CEA
1-800-332-3226 www.safeco.com www.safeco.com
25151
STATE FARM GENERAL INSURANCE
COMPANY
Coverage C - Contents; Examples 2, 4, 5, 6, 7 and 8: we provide 75% of Coverage A contents coverage.
Coverage D - Additional Living Expense
- Examples 2, 4, 5, 6, 7 and 8 and 13-14, we provide actual loss sustained within 24 months
- Example 12, we provide acual loss sustained within 12 months
We currently use the CEA for Homeowners and Manufactured Homes, for Rental Dwelling and
Rental Condominium (if individually owned), and 1-4 unit Apartments (if residential and individually
owned).
1-800-782-8332 www.statefarm.com contact a local State Farm agent
25180
STILLWATER INSURANCE COMPANY
Examples #1 - #10, sub example (g) is unacceptable without proof of roof, electrical, plumbing, heating, ventilation and air
conditioning system updates.
Coverage C at 55% of Coverage A for Homeowners instead of 50%.
Manufactured/Mobile Homes are unacceptable.
Other Discounts available are:
Employee Discount
Personal Status Discount
Depreciated Loss Settlement (Contents) - Homeowners only
Accredited Builder Discount - Homeowners only
Life Care/Retirement Facility Discount (Tenant Unit Owners only)
Age of Insured Discount
Tile Roof Discount - Homeowners only
Superior Construction - Homeowners only
Home Alert Protection
2% Credit give for the following:
Fire or Smoke Detectors, Dead Bolt Locks and Fire Extinguisher
10% Credit given for the following:
Burglar Alarm System, Fire or Smoke Local Alarm, Dead Bolt Locks and Fire Extinguisher
15% Credit given for the following:
Fire and/or Burglar Alarm System reporting to either a Fire Department, Police Departement or Local
Station
Dead Bolt Locks and Fire Extinguisher
Earthquake rates for condominiums are based on a rate per $1,000 of the total limit of Coverage A and Coverage C.
Earthquake rates for tenants/renters are based on a rate per $1,000 of the Coverage C limit.
1-866-699-1885 www.stillwater.com ins@stillwater.com
California Department of Insurance (CDI)
HPS 2018 Company Footnotes
as of May 2018
Statistical Analysis Division
Source: HPS-2018
Page 11 of 12
Dave Jones,
Insurance Commissioner
NAIC COMPANY COMPANY FOOTNOTES/EXPLANATIONS
CONSUMER
PHONE NUMBER
WEBSITE CONSUMER EMAIL
16578
STILLWATER PROPERTY &
CASUALTY CO.
Stillwater Property and Casualty (NAIC 16578) only writes Homeowners policies on an HO5 form.
Stillwater Property and Casualty (NAIC 16578) only offers Earthquake coverage for Homeowners policies (HO5) only.
'Examples #1 - #10, sub example (g) is unacceptable without proof of roof, electrical, plumbing, heating, ventilation and
air conditioning system updates.
Deviations: Coverage C at 55% of Coverage A for Homeowners
Risks not applicable:
Manufactured/Mobile Homes
Condo Owners
Renters
Other Discounts: Employee Discount
Personal Status Discount
Depreciated Loss Settlement (Contents) - Homeowners only
Claims Record Rating Plan
Accredited Builder Discount
Home Alert Protection:
2% Credit given for the following:
Fire or Smoke Detectors, Dead Bolt Locks and Fire Extinguiher
5% Credit given for the following:
Burglar Alarm System, Fire or Smoke Local Alarm, Dead Bolt Locks and Fire Extinguisher
10% Credit given for the following:
Fire and/or Burglar Alarm System reporting to either a Fire Department, Departement or Local
Station.
Dead Bolt Locks and Fire Extinguisher
1-866-699-1885 www.stillwater.com
ins@stillwater.com
10945
TOKIO MARINE AMERICA
INSURANCE COMPANY
Company did not provide consumer footnotes. 1-800-918-8979 www.tokiomarine.us sally.oikawa@tmamerica.com
36137
TRAVELERS COMMERCIAL
INSURANCE COMPANY
Rates were not provided for the following examples because we do not offer mobile home coverage: examples 11, 12
and 16. Rates were not provided for the following examples because we do not offer a 500 deductible for dwelling:
examples 1 and 3.
1-800-842-5075 www.travelers.com None available
25941
UNITED SERVICES AUTOMOBILE
ASSOCIATION (USAA)
Base limit for Medical Payments to Others is $5000. Base limit for Owners and Unit-Owners Liability coverage is
$300,000. Owners' rates (examples 1-10) assume Composition Shingle roof. Tenants/Renters rates (example 14)
assume marital status is single. Examples 9 and 10: No rates are provided; we do not offer a $2500 deductible.
Examples 11, 12, and 16: No rates are provided; we do not offer manufactured home coverage. Examples 15 and 17: No
rates are provided; earthquake coverage is issued through the CEA for both Owners and Unit-Owners. Example 18: No
rates are provided; earthquake coverage is included in the Tenants/Renters premium. Additional discount available:
Firewise Community 20% (wildfire peril only).
1-800-531-8722 www.usaa.com www.usaa.com
10759
UNIVERSAL NORTH AMERICA
INSURANCE COMPANY
1. Universal North America Insurance Company does not write Mobilehome policies
2. Universal's Tenants program offers contents coverage levels begining at $25,000
3. Additional credits offered on Univesal programs : Rennovation Credit (7-21%), Complete Restoration Credit (23-35%),
Costco Credit (5%), Home Inspection Credit (2.5-10%), Affinity Credit (5%), 3 Year Employemet/Retirement Credit (10%),
Security Guard/Doorman Credit (5%), Management Company Credit (5%), Mature Tenant/Adult Complex Credit (5%).
1-866-458-4262 www.uihna.com underwriting@uihna.com
California Department of Insurance (CDI)
HPS 2018 Company Footnotes
as of May 2018
Statistical Analysis Division
Source: HPS-2018
Page 12 of 12
Dave Jones,
Insurance Commissioner
NAIC COMPANY COMPANY FOOTNOTES/EXPLANATIONS
CONSUMER
PHONE NUMBER
WEBSITE CONSUMER EMAIL
10683
WAWANESA GENERAL INSURANCE
COMPANY
Credits & Optional Coverages:
Automatic Sprinklers: 15% (Home - Fire Peril) for full system, 5-10% (Condo) discount varies by partial or full system
Deadbolt Locks: 5% (Condo), 5% (Tenants) provided a fire/smoke alarm and fire extinguisher is in the residence
Gated Community/Secured Building: 2 or 5% (Tenants) discount varies depending on presence of a guard on premises
24 hours/day
Multi-Policy: 25% (Home - All Perils), 15% (Condo)
Senior Credit: 5-10% (Condo) for Named Insureds age 50 or more
Police/Central Station Burglar Alarm: 20% (Home - Theft Peril), 5% (Condo), 10% (Tenants)
Local Burglar Alarm: 6.21% (Home - Theft Peril), 2% (Condo), 2% (Tenants)
Police/Central Station Fire Alarm or Fire Station Reporting Alarm: 5% (Condo), 10% (Tenants)
Local Fire Alarm: 2% (Condo), 2% (Tenants)
For Tenants policies, the maximum discount available for any combination of safety devices such as Deadbolt Locks,
Police/Central Station Burglar/Fire Alarm, Local Burglar/Fire Alarm is 10%.
Other available Credits: Non-Smokers: 19% (Home - Fire Peril), 2% (Condo)
Property Mitigation: Water Alarm: 3% (Home - Water Peril), 3% (Condo) if unit is equipped with a professionally installed
automatic water shut off valve controlled by 3 water sensors
Examples 11, 12 & 16 are blank. We do not write Mobilehome policies.
Example 15 - Displays the earthquake rate per $1,000 of coverage. Rates based on a Home with a frame construction
built in 1991 or later.
Example 17 - Displays the Condo earthquake rate for the full annual premium.
Coverage Limits used are Coverage A: $10,000, Coverage C: $5,000, Additional Living Expense: $1,500 with
Deductible: 15% of Cov A
Example 18 - Displays the Tenants earthquake rate for the full annual premium.
Coverage Limits used are Coverage C: $5,000 and Additional Living Expense: $1,500 with Deductible: $750
Home examples includes up to 150% Extended Replacement Cost on Dwelling. Condo & Tenants examples include
Replacement Cost on Contents and Coverage D Limits of Actual Loss sustained for up to 12 months from date of loss.
Policies automatically include Building Code Upgrade up to 10% of the limit of liability that applies to Coverage A (for
Tenants, the limit of liability that applies to Building Additions & Alterations). Rates will vary dependent on specific
characteristics of your property, please contact Wawanesa for a personalized property quote. Rates provided for Home
policies have the following property characteristics: 1 story home, asphalt roof, natural gas heat source, no garage, 1
adult in household, no pool on premises and no discounts applied. Rates assume the following: If Cov A = 200K: 1,000
sq ft & 2 baths If Cov A = 300K/350K: 1,500 sq ft & 2 baths
If Cov A = 400K: 2,000 sq ft & 3 baths If Cov A = 500K/550K: 2,500 sq ft & 3 baths
If Cov A = 750K: 3,500 sq ft & 4 baths
1-800-640-2920 www.wawanesa.com
usafdbk@wawanesa.com
15776
WESTERN MUTUAL INSURANCE
GROUP: Residence Mutual Insurance
Company
We did not rate Example 10 because we do not offer Coverage A Amount as high
as $750,000 for new business.
Currently the company does not write HO4 or Mobile Homes so we did not rate
Examples 11,12,14,16, and 18.
Examples 1-9 include a New Home Credit on homes built within the last 15 years.
We do not have a Premium Group assigned to Zip 96150 so we didn't rate it.
We offer a New Loan Credit and a Claim-Free renewal discount. We also offer a Maintenance Credit for homes over 35
Years old..
For homeowner's sub-profiles "f" and "g", we have the same rates for 40 and 70 year old risks.
1-800-234-2103 www.westernmutual.com service@westernmutual.com
