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The Personal Home Insurance
Your home is ground zero. It is where you start and end your day. It is where you host parties, eat dinner, watch television, play with your children, and celebrate life’s milestones. If you want to protect what matters most, you need home insurance.
Home insurance provides coverage for yourself, your family, your property, and your belongings. It is essential for peace of mind when life throws you curveballs. Thanks to customizable policies from The Personal Home Insurance, you can get a quote that fits your needs and budget. If you are interested in getting home insurance through The Personal, here is everything you need to know.
The Personal: A Brief History
The Personal Insurance Company got its start in 1974. The private insurer set up headquarters in Mississauga, just outside of Toronto, and offered auto and home group insurance. It was the first time these products were available in Canada. Before this innovation, companies reserved group insurance for life policies.
One of the significant breakthroughs was in 1986 when The Person reached an agreement with Centrale de l’enseignement du Quebec (CEQ). The organization is one of the largest trade unions in Canada and currently has more than 175,000 members. This deal led to the presence of property and casualty insurance in Quebec.
Another innovation came in 2013 in the form of Ajusto. The Personal launched Ajusto as the first usage-based insurance available in Ontario. The application monitors the speeds, acceleration, and breaking habits of drivers and then rewards safe drivers with lowered premiums.
Currently, organizations such as J.D. Power rate The Personal as the top insurance provider when it comes to customer satisfaction. The Personal also scored second in auto insurance service. Conversely, there have been claims that the company violates customer privacy, specifically with Ajusto, though the program is voluntary.
What Types of Home Insurance Can You Get with The Personal?
The Personal Home Insurance comes in three types: home, condo, and tenant. Standard homeowner’s insurance is the headline option with policyholders getting coverage for “all-risks” and liability. That means that The Personal steps in to compensate homeowners in the case of fire, theft, vandalism, and specific types of water damage.
When it comes to covering liability, The Personal’s most popular option is the $1 million policy. People who suffer an accident or damaged property can, therefore, get up to that amount in compensation. Under certain conditions, The Personal will allow homeowners to have policies with up to $5 million in coverage.
There is a multitude of potential problems that The Personal Home Insurance strives to quell. For instance, they cover people if their dishwasher bursts and causes water damage to insulation, floors, and walls. The policies also protect people if they are on vacation and someone decides to break into their home. The $1 million policy can sufficiently cover any major mishap or situation that would otherwise cause significant financial stress.
People who purchase home insurance with The Personal also get complimentary identity theft assistance. The confidential service helps people recover stolen identities and provides advice on how to protect their identity. There is even a hotline people can call, day or night, for assistance.
The Personal also has several optional features, depending on how much or little coverage you want. In addition to the baseline coverage, policyholders can get protection against flooding, sewer and groundwater back up, and pool or hot tub damage. There is also an option to cover the escape of fuel oil, which can contaminate the home and property.
The Personal Home Insurance has policies for condo owners and tenants too. The aspect that makes these plans unique is that people in groups can share the coverage. That way, people under the same roof, such as roommates, get the same rates and benefits without paying for everything out-of-pocket.
The Personal’s condo insurance policies protect personal property against significant risks. That includes fire, theft, and vandalism. It is also precise enough to assist people if, say, they knock over a can of paint on their carpet and want to replace it.
Group tenant insurance offers the same line of coverage for individuals living in a rented property. As long as you are a policyholder, you will receive a helping hand in the case of injury or property damage. The Personal also offers identity theft assistance to condo and tenant insurance holders.
Does The Personal Offer Any Discounts?
When you get home insurance by The Personal, you will have the opportunity for a variety of discounts. The Personal specifically rewards preventative maintenance as well as claims-free periods. For instance, homeowners can save up to 20 percent on their home insurance if they do not file a claim for a few years.
Additionally, if you have a central alarm system in the home, you can save 15 percent. Other ways to save include having an automatic water valve shut-off system, pneumatic backflow system, and bundled policies. There is even a discount for getting LEED-certified (Leadership in Energy and Environmental Design.)
What Else Does The Personal Do?
Auto insurance is the other significant feature of The Personal Insurance Company portfolio. The Personal Insurance quotes include options for individuals and groups. There are also discounts for excellent driving with Ajusto, as well as 15 percent savings when families cover multiple vehicles.
The Personal also covers recreational vehicles, such as motorcycles, ATVs, boats, and snowmobiles, to name a few. This multi-pronged approach allows people to get protection, whether they are on land or water. Additionally, there are policies for pet insurance and travel insurance.
How to Submit a Claim With The Personal
The Personal strives to make the life of the consumer easy. For instance, you can get a home insurance quote with a single phone call. When it comes to filing a claim, that same simplicity applies.
Visit The Personal’s website, click “Claim” in the upper banner, and then select “File a Claim.” Once you log in, you can fill out the necessary information and submit the claim in as little as 10 minutes. Plus, the service is available 24/7, so you can get updates about your auto, pet, or home insurance quotes at any hour of the day.