Claims and loss prevention: Loss prevention programs

Complimentary home and safety assessment

When you first insure your home with us or add a new home to your policy, we provide a complimentary evaluation of the home and valuable collections it might contain.   In many cases, we can provide prudent advice about reducing the risk of loss without ever visiting your home.  In other cases, we can provide effective advice only by visiting a home due to its location, size, complexity, and contents.

When we do visit a home, our goal is to equip you with the most current loss prevention advice based on our actual claim activity, confirm that you are receiving appropriate credits on your policy, document your home and its architectural features, identify techniques for operating a more eco-friendly household, and provide a firm estimate of your home's current replacement value in the event of a total loss.

This approach helps us proactively protect your home and family, reduce the cost of insurance over time, and streamline the claim process if you do have a covered property loss.  Your agent will advise you on the risk consultation appropriate for your needs.