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 TransUnion Corporation to determine your insurance credit score. This inquiry will not affect your credit score, as it is considered a “soft hit”. TransUnion can provide a free copy of your credit report, and if you believe that report is inaccurate, they can respond to disputed items, but TransUnion 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, GA, IA, IL, KS, KY, LA, MI, MN, MT, NH, NJ, NM, NV, RI, SC, TX, VT)
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:

  • Catastrophic event, as declared by the federal or any state government or the Commissioner of Insurance
  • Serious or catastrophic illness or injury to the consumer or the consumer’s immediate family
    •  
    • NM - this includes an acute or chronic medical condition, illness, injury or disease
    • LA - this includes a medical crisis
    •  
  • Death of a spouse, child or parent of the consumer
  • Divorce or dissolution of marriage
  • Identity theft
  • Involuntary interruption of legally owed alimony or support payments
  • Temporary loss of employment for a period of three or more consecutive moths
  • Military deployment overseas
  • Total or other loss that makes your home uninhabitable (CT &, NM ONLY)
  • The personal guaranty of a business loan (LA ONLY)
  • Predatory lending resulting in the foreclosure of, or commencement of proceedings or an action to foreclose, a mortgage of real property owned by the insured or insurance applicant (MI ONLY)
  • Loss of employment for three months or more as a result of involuntary termination (VT ONLY)

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.

Information We Collect from Third Parties

We collect information from affiliated and nonaffiliated third parties, including but not necessarily limited to insurance support organizations and consumer reporting agencies. It may include information about a home, property or homeowner from third party sources or public information. The information may be used to make underwriting and/or business decisions based on the data collected.

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. Note to MN customers: your authorization for the collection, use and/or disclosure of your personal information remains in effect if you are continually insured with Homesite Group Incorporated unless revoked by you.

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:

  • Other insurance institutions, financial institutions, agents, or insurance support organizations.
  • Persons who perform a business, professional, or insurance function for us.
  • Businesses that conduct actuarial or research studies.
  • Insurance regulatory authorities.
  • Law enforcement or other governmental authorities.
  • Our affiliated companies who assist our insurance business activities.

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

  • Perform a business, professional, or insurance function for us.
  • Provide information to us in order to
    1. Determine your eligibility for an insurance benefit or payment, or
    2. Detect or prevent criminal activity, fraud, material misrepresentation or material nondisclosure in connection with an insurance transaction
  • Perform a function in connection with an insurance transaction involving you.
  • Conduct an audit of our operations or services.
  • Conduct a joint marketing program with Homesite pursuant to a joint marketing agreement.

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 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 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 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 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 websites on the internet that may be linked to the Homesite website. Please note that when you click on links to websites outside of www.homesite.com, you are transferred to another website 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.

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.

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.

Florida Only

Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

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.

Marijuana Items and Activities Coverage Notice

Under Section I – Property Coverages, marijuana items are covered under Coverage C – Personal Property, subject to any applicable policy sublimits. Examples of property sublimits that may apply include a limit for business property and limits on Trees, Shrubs and Other plants. Please see your policy contract for more information.

Under Section II –Liability Coverages, Coverage E – Personal Liability and Coverage F do not apply to bodily injury or property damage arising out of the use, sale, manufacture, delivery, transfer or possession by any person of marijuana. The exclusion of these marijuana activities does not apply to the legitimate use of Marijuana by a person following the lawful orders of a licensed health care professional.

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

 

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.

South Carolina Only

The insurer can cancel this policy for which you are applying without cause during the first 90 days. That is the insurer’s choice. After the first 90 days, the insurer can only cancel this policy for reasons stated in the policy.

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: October 15, 2018