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Homesite's Privacy Policies

Your Rights

Use of Consumer Reports

Homesite Group Incorporated uses information from consumer reporting agencies such as your credit, claims, and insurance history. This helps us to fairly determine eligibility for our programs and ensure accurate rates for all policies.

Insurance Claims History

We obtain information about insurance claims history from A-PLUS. For information or to dispute any report regarding your insurance claims history, contact the A-PLUS Consumer Inquiry Center at 1-800-709-8842. Note: to protect your privacy, only you can discuss your claims history with A-PLUS (an agent won’t be able to do it for you).

Insurance Credit Score

All states (excluding California and Maryland)
We obtain information from Trans Union Corporation to determine your insurance credit score. This inquiry will not affect your credit score, as it is considered a “soft hit”. Trans Union can provide a free copy of your credit report, and if you believe that report is inaccurate, they can respond to disputed items, but Trans Union cannot comment on your insurance application.

Trans Union Corporation
Consumer Relations – East
2 Baldwin Place
P.O. Box 1000
Chester, PA 19022
1-800-916-8800

Extraordinary circumstances (CT, DE, FL, IA, IL, KS, KY, LA, MI, MN, MT, NH, NJ, NM, NV, RI, TX)
If your credit information has been adversely impacted by an extraordinary life circumstance that has occurred within the last 3 years, you may request in writing that we consider this when using your credit information. These extraordinary life circumstances include:

If you believe any of these apply to you and has impacted your credit, you may request in writing that this be taken into consideration. We will require you to provide specific documentation of this circumstance and demonstrate how it has negatively affected your credit. The request must be made no more than 60 days from the date of the application for insurance or the policy renewal. Please submit your written request and all supporting documentation to Homesite Group, Inc., ATTN: Underwriting Department, PO Box 5300, Binghamton, NY 13902-9953.

Use of Personal Information

Homesite Group Incorporated uses information from many sources to fairly determine eligibility for our programs and ensure accurate rates for all policies. How we may collect, use and disclose this information is regulated by law. Following is a description of the kinds of information we may collect, how we may collect it, and what is done with the information once it has been collected. We also describe how you can find out what information we have about you in our records or files, and how you can correct inaccurate information. We follow these practices with your information whether you are a policyholder, claimant, former policyholder, or just an inquiring customer.

What kind of information do we collect about you?

We collect some information from you when you call us, complete an application, make a policy change or report a claim. This information, of course, includes identifying information such as name and address, as well as your type of home and claims history.

We may also obtain information such as credit reports, claims history, and investigative reports from other sources including an inspection of your property. The information we obtain about you may come from other insurance companies, insurance support organizations, credit bureaus, property data collection services, or other providers of information.

What do we do with the information collected about you?

We may, as permitted by law, disclose your identifying information in our records or files such as name, address, type of house, and claims history. Without your prior permission, we may disclose this information to certain persons or organizations including:

Your information may be provided to others in the following circumstances, as permitted by law, for them to:

The information we obtain about you from a report prepared by an insurance support organization may be retained by the insurance support organization and disclosed to other sources.

How confidential and secure is the information we have about you?

Homesite protects the confidentiality of the information that we have about you by restricting access to those employees who need to know that information to provide our products and services to you. We maintain physical electronic and procedural safeguards that comply with federal and state regulations to guard your information.

How can you find out what information we have about you?

You have the right to know what information we have about you in our insurance records or files. To obtain this information, provide to us in writing an identification of yourself and a reasonable explanation of the information you desire. If the information can be reasonably located and obtained, we will inform you of its nature and substance within thirty (30) business days from the day we receive the request. You may personally see and obtain the information, or if you prefer, we will mail the information to you. We will also inform you who has received the information within the last two (2) years, or, if not recorded, to whom such information is normally disclosed.

What can you do if you disagree with the information we have about you?

You have the right to make a written request that we correct, delete, or change any recorded information we have about you in our records or files. Send all written requests to:

Homesite Home Insurance
P.O. Box 5300
Binghamton, NY 13902-9953

If we agree to comply with your request, we will notify you within thirty (30) business days of receiving your request. We will then furnish the amended information to any person you designate, who may have received the information within the past two (2) years, as well as to any person or organization who either supplied us with the information or to whom we disclosed it.

If we are unable to comply with your request, we will notify you within thirty (30) business days of receiving your written request with the reasons for our decision. If you disagree with the reasons for our decision, you have the right to file a concise statement of what you think is correct, relevant or fair information. Your statement will be filed with the disputed information and will be furnished to any person, insurance institution, agent or insurance support organization who either supplied us with information or to whom we disclosed it. Your statement will also be furnished to anyone reviewing the disputed information.

Your California Privacy Rights

California Civil Code Section §1798.83 permits our Website users who are California residents to request certain information regarding our disclosure of personal information to third parties. To make such a request, please write us at 100 Federal St, Suite 4, Boston, Massachusetts 02110-1979.

Notification of Changes

Homesite Group Incorporated reserves the right to change this Privacy Policy from time to time, and such changes will be effective immediately upon posting to this Web site. Your continued use of this web site after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates. The date the Privacy Policy was last revised is identified at the bottom of the document. Under certain circumstances, we may also elect to notify you of changes or updates to our Privacy Policy, or to request your consent for such changes, by additional means, such as posting a notice on the front of our Web site and sending you an email.

Non Homesite Web Sites

Homesite is not responsible for the privacy practices or the content of any other web sites on the internet that may be linked to the Homesite web site. Please note that when you click on links to web sites outside of www.homesite.com, you are transferred to another web site that may not be under Homesite's control. We encourage you to read the privacy statements of these linked sites as their privacy policy may differ from ours.

Web Cookie Policy

Our web server does not use cookies. Other parties may not collect personally identifiable information about a user, such as Web surfing behavior or user preferences for a specific website.


This Internet Privacy Policy applies to the following Homesite Group Incorporated Subsidiaries and Affiliates:
Homesite Insurance Company of California, Homesite Indemnity Company, Homesite Insurance Company of Illinois, Homesite Insurance Company of New York, Homesite Insurance Company of Georgia, Homesite Insurance Company of the Midwest, Homesite Lloyds of Texas, Homesite Insurance Company of Florida, Homesite Insurance Company and Midvale Indemnity Company.

Fraud Warning

Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

Oregon Only

Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement may be guilty of insurance fraud.

Alabama Only

Policyholder Bill Of Rights

The purpose of this Act is to set forth the rights Alabama homeowners have with respect to their insurance policies and with insurance companies. Section 3 of the Act sets out the following minimum standards to be followed by the Alabama Department of Insurance in exercising the Department’s powers and duties in regulating insurance companies pursuant to Title 27, Chapter 12, Code of Alabama 1975. These standards include the following.

  1. Policyholders shall have the right to competitive pricing practices of insurers as prescribed by applicable federal or state insurance law and regulation.
  2. Policyholders shall have the right to insurance advertising and sales approaches that provide representative information on the policy in accordance with Title 27, Chapter 12, Code of Alabama 1975.
  3. Policyholders shall have the right to assurance that the insurance market in general and their insurance company in particular are financially stable as provided in Section 27-12-7, Code of Alabama 1975.
  4. Policyholders shall have the right to receive service from licensed producers in accordance with Title 27, Chapter 7, Code of Alabama 1975, and to request the license status of an insurance company or producer.
  5. Policyholders shall have the right to a policy as prescribed in Title 27, Chapter 14, Code of Alabama 1975, to receive a complete policy, and to request a duplicate or replacement policy, if needed.
  6. Policyholders shall have the right to receive in writing from their insurance company the reason for any cancellation of coverage and a minimum number of days’ notice of cancellation of coverage, subject to applicable federal or state insurance law and regulation.
  7. Policyholders shall have the right to cancel their policy and receive a refund of any unearned premium. If a policy was funded by a premium finance company, the unearned premium will be returned to the premium finance company to pay toward the policyholder’s financing loan.
  8. Policyholders shall have the right to a written notification, at renewal, describing changes in their insurance contract language that are applicable to the renewal period.
  9. Policyholders shall have the right, in the event of a claim, to reject any settlement amount offered by the insurance company.
  10. Policyholders shall have the right to select their licensed contractor or vendor to repair, replace, or rebuild damaged property covered by the insurance policy.
  11. Policyholders shall have the right to file a written complaint against any insurance company with the Department of Insurance and to have that complaint reviewed by the Department of Insurance.
  12. Policyholders shall have the right to file a written complaint against any insurance producer with the Department of Insurance and to have that complaint reviewed by the Department of Insurance.

Colorado Only

 

COLORADO HOMEOWNER’S, RENTER’S, AND CONDOMINIUM OWNER’S DISCLOSURE FORM

 

This disclosure form is a basic guide to the major coverages and exclusions in your policy. It is only a general description and not a contract or a policy of any kind. All coverages are subject to the terms, conditions, special limits, and exclusions of your policy and all applicable endorsements.

PLEASE READ YOUR POLICY FOR DETAILS! This disclosure form shall not be construed to replace any provision of the policy itself. In the event of any conflict between the policy and this disclosure form, the provisions of the policy shall prevail.

This disclosure form also provides some guidelines on cancellation, nonrenewal, increase in premium, and changes in coverage. These factors are general in nature and do not represent the only reasons a policy may be terminated or changed. Please contact your agent or company for further information.

 

  1. BASIC COVERAGES-HOMEOWNERS

 

Homeowners policies include two basic sections. The first section provides protection for your home and your personal property. The second section provides protection for you when you’re legally responsible (at fault) for an accident you have caused. It also includes medical payments coverage for persons, other than you or members of your household, who are injured in an accident that happens on your property. Homeowners policies do not cover automobiles.

 

  1. HOMEOWNERS-PROPERTY

 

WHAT IS COVERED:

 

Your policy will pay for loss or damage to your house, your furniture, and other personal belongings when caused by the losses shown in the attached chart. Only limited coverage is provided for jewelry, silverware, furs, business property, and other valuables.

 

Most policies have a deductible. The deductible is the amount of the loss that you, the policyholder, are responsible for paying. Your insurer will pay for the rest of the covered loss up to the policy limits.

 

Your policy also will pay for additional living expenses if a covered loss renders your home uninhabitable and you must temporarily live elsewhere. This coverage pays, for a specified period, for reasonable and necessary extra living expenses you incur over what you would have normally spent to maintain your standard of living if no loss had occurred.

 

EXCLUSIONS-WHAT IS NOT COVERED:

 

The policy does not provide coverage for all possible losses. The following are examples of some of the losses that are NOT covered:

 

  1. Loss or damage that an insured intentionally causes;

 

  1. Flooding, earth movement, settling, cracking, bulging, shrinking, or expanding of the structure, other structures, or of pavements, driveways, or sidewalks;

 

  1. Pollution and contamination;

 

  1. Birds, vermin, or house pets;

 

  1. Wear and tear.

 

  1. HOMEOWNERS-PERSONAL LIABILITY

 

WHAT IS COVERED:

 

Your policy pays for bodily injury and property damage to another’s property for which you or a member of your household is legally responsible (at fault). This includes the cost of defending you or a member of your household in a liability lawsuit.

 

EXCLUSIONS-WHAT IS NOT COVERED:

 

The following are examples of some of the liability exclusions:

 

  1. Any loss that an insured intends or should expect to happen;

 

  1. Bodily injury to an insured person or property damage to an insured person’s property;

 

  1. Damage which results from the ownership or use of an automobile and other types of motorized land vehicles, aircraft, or certain watercraft;

 

  1. Liability resulting from transmission or exposure of a communicable disease or sexual molestation.

 

  1. BASIC COVERAGES-RENTER’S AND CONDOMINIUM OWNER’S POLICIES

 

  1. Renter’s Policy

A renter’s (tenant’s) policy provides coverage for your personal property and for your personal liability in the same way that a homeowners policy does. The general coverages for the causes of loss shown in the attached chart are the same under a renter’s policy, however, the building you live in is not covered. The amount of protection you choose will depend upon the value of the personal property you wish to insure.

 

  1. Condominium Unit Owner’s Policy

A Condominium Unit Owner’s Policy is similar to a renter’s policy in that it provides coverage for your personal property and personal liability. It differs, however, in that it also provides coverage for building items, including additions and alterations you make to your unit, that are your insurance responsibility under the governing rules of the condominium association. A limited amount of coverage for loss assessments levied on the unit owners by the condominium association is also provided.

 

III. CANCELLATION, NONRENEWAL, INCREASE IN PREMIUM, AND CHANGES IN COVERAGE

  1. Cancellation and Nonrenewal

You may cancel your policy at any time by writing to your company and indicating the date the cancellation is to take effect.

Your company may choose to cancel or nonrenew your policy. If your policy is canceled or nonrenewed, you will receive advance notice. Some examples of reasons for cancellation and nonrenewal include, but are not limited to:

  1. Failure to pay your premium when it is due;
  2. Knowingly making a false statement or a material misrepresentation on your application for your policy;
  3. An unacceptable number of claims;
  4. A substantial change in the use or occupancy of the premises.

 

  1. Increase in Premium

 

Conditions that may increase your premium include, but are not limited to:

 

  1. Change of use of your home or premises;

 

  1. A general rate increase. This results from the loss experience of a large group of policyholders rather than from a loss suffered by an individual policyholder. A general rate increase applies to many persons in the group, not just those who had losses.

 

  1. Adjustment for inflation. Some companies include inflation coverage in their policies. This coverage can automatically increase the amount of your insurance coverages as inflation pushes up the cost of replacing your home. The increases may be based on a construction cost index and may be reflected in the premium on each renewal date.

 

  1. Changes in Coverage

 

A number of situations may change the insurance coverage you have. For example, you may choose to change the type of coverage you have, increase or reduce your limits or deductibles, or add optional coverages.

 

These factors are general in nature and do not represent the only reasons a policy may be changed.

 

Please contact your agent or company with any questions about changes in coverage that you wish to make or about changes that your company has made.

 

  1. LOWERING YOUR COSTS

 

Although the general classifications used by insurance companies to set rates may be beyond your control, it is possible to reduce the cost of your homeowners insurance without giving up necessary protection. Here are some tips:

 

Take the Highest or Broadest Deductible You Can Afford

 

Insurance should protect you from major losses. Choosing a higher deductible may result in lower premiums.

 

Check With Your Insurance Agent Before You Buy or Rent a New Home.

 

Insurance rates are higher for some types of buildings.

 

 

Ask If You Are Eligible for Discounts

 

Some companies may offer discounts for characteristics which make your property subject to less chance of a loss. These may include discounts or credits for a new home, if you have had no recent losses, if you are over a certain age, or if your home has smoke alarms, automatic fire sprinkler systems, and/or burglar alarms.

 

Compare Coverages, Premiums, and Service When You Shop for Insurance.

 

 

Type of Policy Selected *

Basic Broad Special Renters Comprehensive Condominium
Owner’s**
Kinds of Losses
Covered D C D C D C D C D C D C
Fire or Lightning X X X X X X X X X X
Loss of property removed from premises endangered by
fire or other perils X X X X X X X X X X
Windstorm or Hail X X X X X X X X X X
Explosion X X X X X X X X X X
Riot or Civil
Commotion X X X X X X X X X X
Aircraft X X X X X X X X X X
Vehicles X X X X X X X X X X
Smoke X X X X X X X X X X
Vandalism and
Malicious Mischief X X X X X X X X X X
Theft X X X X X X X X X X
Breakage of glass constituting a part
of the building X X X X X X X X X X
Falling Objects X X X X X X X X
Weight of Ice, Snow, Sleet X X X X X X X X
Collapse of building(s) or
any part thereof X X X X X X X X
Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water
heating system or of appliances
for heating water X X X X X X X X
Accidental discharge, leakage, or overflow of water or steam from within a plumbing,
heating, or air-conditioning system
or domestic appliance. X X X X X X X X
Freezing of plumbing, heating and air-conditioning systems
and domestic appliances X X X X X X X X
Sudden and accidental injury from artificially generated currents to electrical appliances, devices,
fixtures and wiring (TV and radio tubes
not included) X X X X X X X X
All perils except flood, earthquake, war, nuclear accident and others specified in your policy.
Check your policy for a complete listing
of perils not covered. X X X

 

D = Dwelling C = Contents

 

* Types of policy go by various names with different insurance companies. The kinds of losses covered and policy conditions may vary by company.

** Dwelling coverage in the Condominium Owner’s policy is limited to those building items for which the insured is made responsible under the Condominium Association’s contract.

Maryland Only

Flood Coverage Disclosure Notice

All homeowner insurance policyholders are cautioned that:

Your policy excludes coverage for damage caused by flooding of all types. This exclusion may exclude any and all damages resulting from storm surge from a hurricane, surface water, flash floods, waves, tidal water, tidal waves, wind driven rain or water, or any other overflow of water, and spray from any of these events. For further details, please see the language of your policy. The language of your policy will control the obligations of the parties.

You are further advised that to be covered for such a loss, you will have to obtain a separate flood insurance policy by applying to the National Flood Insurance Program (NFIP). Your need for flood coverage can be confirmed with the NFIP or your mortgage lender. If available in your location, the NFIP can provide both structure and contents coverage. A claim under a flood insurance policy may be adjusted and paid on a different basis than a claim under a homeowners policy.

You can contact the National Flood Insurance Program for information at:

National Flood Insurance Program
P.O. Box 619
Lanham, MD 20706

Statement of Additional Optional Coverages
Not included in the Standard Homeowners Insurance Policy

Your standard homeowners insurance policy does not cover all risks. You may need to obtain additional insurance to cover loss or damage to your home, property, and the contents of your home to cover the risks related to business or personal activities on your property. We offer the following additional coverages that you may choose to purchase. We urge you to review these optional endorsements and credits.

Extended Replacement Cost on Dwelling This endorsement can be used to increase Coverage A (dwelling) by either 25% or 50% to better accommodate a customer's needs.

Earthquake This covers against a direct physical loss caused by an earthquake or earth movement. You may add this additional coverage for an additional premium. It is subject to a percentage of Coverage A deductible.

Increase Deductibles By increasing the deductible, the policyholder may lower the cost of annual insurance premium. For instance increasing a $500 deductible to a $1000, 1% or 2% may decrease the annual premium significantly.

Increase Limits on Other Structures Provides additional limits for Coverage B if needed. Only structures on the insured premises apply. You may increase up to double the original Coverage B amount.

Water Back up and Sump Overflow Provides coverage for direct physical loss due to water backing up through sewers or drains and water which overflows from a sump. This is not a flood coverage, which requires a separate policy.

Replacement Cost on Personal Property This endorsement protects the customer from receiving the depreciated value for their personal property. Instead contents will be replaced with new items of like kind and quality.

Increased Limits on Personal Property This endorsement offers the insured the ability to increase certain personal property coverages from the standard homeowners limit. For instance, the basic homeowners policy insures jewelry for up to $1000 for the named perils; a customer may choose to increase that coverage to $5000.

Increased Limits on Business Property For additional premium, this endorsement may increase the coverage for "business" property on the "residence premises".

Scheduled Personal Property For additional premium, we offer open perils coverage for items such as jewelry, furs, cameras, musical instruments, silverware, fine arts and golfer's equipment. Not subject to a deductible, these items would be covered for the appraised value.

Special Computer Coverage For additional premium, this would broaden the coverage for your computer due to direct physical loss. For example, if the policyholder drops a glass of water on the computer, this would be covered. This endorsement is subject to the policy deductible.

Identity Theft This endorsement covers up to $15,000 for expenses incurred by the insured as a direct result from identity theft. The deductible would only be $250.

Loss Assessment Coverage Specially designed for condominium owners, this coverage provides protection for assessments made by the condominium association resulting from loss to the property. The policyholder can choose the limit of coverage they wish up to $25,000 if the loss is caused by an insured peril.

Watercraft This endorsement extends the limit of liability on your homeowners policy to your watercraft. This does not cover for the physical loss of the watercraft.

Personal Injury With this endorsement, you can extend the limit of liability on your homeowners policy to cover you against libel, slander, and invasion of privacy.

Home Day Care Coverage Registered family day care providers can purchase liability coverage in the amount of at least $300,000 to protect you against claims of bodily injury, property damage, or personal injury arising out of your activities as a day care provider.

***Additional endorsements and credits are subject to availability and qualification.

North Dakota only

Homesite will consider the insured’s claims history in determining whether to decline, cancel, nonrenew, or surcharge a policy and claims you incur will be reported to an insurance support organization.

New Mexico only

We may collect information from sources other than you or someone else named in your application. This information may include confidential abuse information; that is, confidential information regarding acts of domestic abuse; the work, home, school, or other address or telephone number of a victim of domestic abuse; an applicant’s or insured’s status as a victim of domestic abuse; or their status as a family member, employer or associate of a victim of domestic abuse or a person with whom an applicant is known to have a direct, close personal, family, or abuse-related counseling relationship.

Protected Persons
Homesite Group Incorporated and all other insurance companies are prohibited by law from using anyone’s confidential abuse status as a basis for denying coverage; refusing to issue, renew, or reissue a policy; canceling or otherwise terminating a policy; restricting or excluding policy coverage or benefits; or charging a higher premium for a policy.

A protected person has a right to request access to any confidential abuse information we have about them in our records or files. A protected person also has a right to request that we correct, amend, or delete any such information we have about them in our records or files. A notice detailing Homesite’s confidential abuse information practices is available on request.

Vermont Only
We do not disclose, and do not wish to reserve the right to disclose, nonpublic personal information about customers or former customers to affiliates except as authorized under Sections 15, 16, and 17 of VT ADC 4-3-42.

Virginia Only

In connection with this application for insurance, we shall review your credit report or obtain or use an insurance credit score based on the information contained in that credit report. We may use a third party in connection with the development of your insurance credit score. You may request that your credit information be updated and if you question the accuracy of the credit information, we will, upon your request, reevaluate you based on corrected credit information from a consumer reporting agency.

West Virginia Only
Your credit information is used by Homesite Group Incorporated to produce an insurance score. This insurance score has an effect on the premium that you pay for your insurance. Homesite group Incorporated is required by the Insurance Commissioner to recheck your credit information no less than once every 36 months for changes. You have the option to request that Homesite group Incorporated recheck your insurance score more frequently than once every 36 months, but you can only make this request once during any twelvemonth period. If there has been a change in your insurance score, Homesite Group Incorporated shall re-underwrite and re-rate the policy based upon the current credit report or insurance score. The change in your insurance score may result in an increase or a decrease in the premium that you pay for your insurance. Any changes in your premium will take place upon renewal if your request is made at least 45 days before your renewal. If the request is made less than 45 days before your renewal date, the insurer shall re-underwrite and re-rate the policy for the following renewal.

Last Modified On: August 25, 2016

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Customer Service
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