We’re here to help our customers experiencing hardship from the recent severe weather events. Impacted policyholders can contact us for assistance at 800-466-3748 from 8 a.m. – 9 p.m. EST Monday – Friday and from 9 a.m. – 6 p.m. EST Saturday.
Information for Tennessee Policyholders:
On September 7, 2021, the Insurance Commissioner issued Bulletin No. 21-02 which requests insurers to provide temporary suspensions of premium payments for a period of at least 60 days from the effective date of the order to those policyholders in Dickson, Hickman, Houston, and Humphreys counties impacted by the severe weather and flooding on August 21, 2021.
Please contact our customer service department if you have been impacted by the event and need assistance.
Information for California Applicants or Policyholders:
If you wish to discuss mitigation discounts and efforts you could take to possibly reduce your premium, such as installation of automatic sprinkler systems in all rooms of your dwelling, addition of a central station monitored fire and burglary alarm, a new roof or change to roofing material, or if a water supply or fire station is now closer to your home, please contact us at 1-800-466-3748. These discounts range from 5-35% of applicable peril premium.
Wildfire Defense Services:
Homesite has partnered with Wildfire Defense Systems, Inc. (WDS) to provide wildfire mitigation and loss prevention services to help protect your home. This service is provided to you at no additional cost and is automatically included with your policy. During a wildfire, WDS dispatches NWCG qualified fire engines and crew, to perform mitigation work before the fire arrives, and returns to properties for protection from post‐fire damage or loss.
WDS is not a first responder and their services are supplemental to all other public wildfire responders. There may be instances when WDS will not be able to provide their services, such as when an area becomes too dangerous for their firefighters to enter. Therefore, we cannot guarantee that the services will be provided or that they will prevent damage from occurring.
Please visit the following page for additional information: go.homesite.com/wildfiredefense
Information for Colorado Applicants and New Policyholders:
The Colorado Division of Insurance reissued Bulletin No. B-5.38 on September 17, 2020, requesting that insurers do not surcharge a new personal lines policy for a lapse in coverage if the applicant can demonstrate the lapse was because of a financial hardship due to COVID-19. Homesite considers lapses in coverage in determining the premium charged for your policy. Therefore, if you have purchased a homeowners (HO 00 03) or condo unit owners (HO 00 06) policy covering property located in Colorado that is effective on or after 9/17/2020, please contact our customer service department if you had experienced a lapse in your previous coverage. We may be able to offer you an accommodation if the lapse in coverage was the result of financial hardship due to COVID-19.
Information for Oregon Policyholders:
On August 20, 2020, Governor Kate Brown issued Executive Order No. 20-35 declaring a statewide State of Emergency due to the imminent threat of wildfire. The Oregon Insurance Commissioner subsequently issued Bulletin 2020-16, requiring that insurers take certain actions to assist their customers in affected areas. In accordance with this directive, we will rescind any notices of cancellation or nonrenewal issued to policyholders in the affected areas. Please see Bulletin 2020-16 and any amendments or subsequent publications for the list of zip codes that are subject to the wildfire emergency order. Note that the Commissioner may update this list and/or extend the duration of the order. We are required to reinstate policies in the affected areas that were cancelled or nonrenewed on or after September 18, 2020, and cancellation and non-renewal is suspended until the order is no longer in effect. If we have reinstated your policy but you have replaced your insurance coverage or wish to cancel your policy for any other reason, you may do so by calling our customer service department.
Information for Florida, Maine and West Virginia Policyholders:
If your credit information has been adversely impacted by COVID-19, you may request in writing that we consider this when using your credit-based insurance score. We will require you to provide specific documentation of this circumstance and demonstrate how it has negatively affected your credit. Please call our customer service department to learn more, or you may submit your written request and all supporting documentation to Homesite Group, Inc., ATTN: Underwriting Department, PO Box 5300, Binghamton, NY 13902-9953.
For a description of the differences between the HO 00 03 04 91 and the HO 00 03 05 11 versions of the homeowners base policy contract, please visit https://stage.homesite.portlandlabs.com/HomeownersCoverageComparison0491to0511.pdf. This summary is provided for informational purposes to help you better understand some of the important differences between the two versions of the policy contract. No coverage is provided by this summary. If there is any discrepancy between this information and your policy, the policy contract controls. Please review your policy carefully.