Maximize Coverage and Minimize Cost by Bundling!
We’ll help you get the best bang for your buck by bundling your home+auto+umbrella+toys insurance policies.
Home Insurance Features and Coverage Options
Are You Protected? Get the Coverage You Need for the Life You Want.
Whether you need a homeowners insurance policy with basic coverage or a fully loaded policy with increased protection, PriemCo gives you the flexibility to choose. We partner with the very best insurance carriers to provide you with the combination of coverage and pricing that best meets your unique needs.
Talk to us for personal advice about product availability in your area and how much coverage is right for you. We’ll help you make sure your home is properly protected.
Included with Every Policy
Your homeowners policy includes coverage to help pay for repairs or to rebuild your home and other buildings on your property. This is the core of a home insurance policy.
At Home and on the Road
Your homeowners insurance policy protects your personal property, like your furniture, TV, clothing, books, computer, sporting goods and kitchen gadgets. Your belongings are protected when they’re at home or with you anywhere in the world, from across town to across the equator.
Protection for People
Home insurance is also about people. It protects your guests if they’re injured in your home or yard. It protects you in some situations if you’re held legally responsible for damage caused to someone else’s property, such as if your self-propelled lawnmower drives off and crashes through the neighbor’s greenhouse. You and your family are protected against bodily injury, property damage claims and litigation.
Temporary Housing and Expenses
If you’re unable to live in your home while it’s being repaired or rebuilt after a covered loss, additional living expenses helps pay the cost of temporary housing and living expenses for up to 24 months.
Popular Coverage Options
For only $1 a month, we can help cover the cost of restoring your identity if you’re the victim of identity theft. Identity theft coverage provides up to $25,000 for lost wages and expenses related to recovering your identity as well as personal one-on-one assistance. You can reduce your risk by learning how to prevent identity theft.
Jewelry, Art and Antiques
If you have valuable keepsakes like fine art, jewelry, antiques and other collectibles, like your grandmother’s Victorian sideboard and crystal stemware set, you may need extra protection. With valuable articles coverage, belongings you specify are protected by an agreed dollar amount, and there is no deductible.
If the Refrigerator Is Warm
You had your heart set on an ice-cold soda. But when you reach into the refrigerator, all your beverages are room temperature. For only $2 a month, equipment breakdown coverage will replace a covered appliance with an Energy Star® rated appliance of like kind and quality in the event of an unexpected mechanical or electrical breakdown not caused by normal wear and tear or corrosion. Skip costly home warranties and big-box retailer extended warranties.
For What It’s Worth
If you sold your dining room table and chair set in a yard sale, you’d probably get less for it than what it would cost to buy a new set in the furniture store. Personal property replacement cost protection will help pay for the cost to purchase a new dining set that is of similar size and style as the one you lost. Same goes for your TV, clothing, sporting goods, bed and other covered belongings. In the event of a covered loss, we’ll pay the actual cost to replace your things that were damaged, lost or stolen, regardless of their age and condition, up to the limits and deductible you select.
Multiple Losses, One Deductible
Combine your home and auto policies as a package and become eligible for a single loss deductible. If your car, motorcycle, boat or RV insured with the same carrier is damaged in the same event as your home, you may only have to pay one deductible. For example, if a tree falls and damages both your garage and your car, we’ll waive your auto deductible after your home deductible is paid.
Ask us about other coverage options and for personal advice about home insurance coverage that’s right for you.
Your standard car insurance policy provides essential liability protection and other coverages required by law. It includes coverage if your car is involved in an accident while being driven by you or someone else. To enhance your policy with extra protection for damage, emergencies, repairs and personal property, you can choose additional coverage options. We can offer personal advice about product availability in your area and how much coverage is right for you.
What Makes Us Different
Reimbursement for First Aid
Most of our recommended auto policies include up to $10,000 in coverage for reimbursement of first aid administered to others after an accident.
Every auto policy we recommend qualifies for accident forgiveness after a set number of years of accident- and violation-free driving. Talk to us to find out more.
Remain claim-free and you can qualify to reduce your collision deductible by $100 with each annual policy renewal, for up to a maximum of $500 or five years.
Full Coverage Protection
Helps pay for repairs or to replace your car if it is stolen, vandalized or damaged in some way other than in a collision. Includes loss or damage from fire, flood, falling objects, wind, hail and collision with an animal.
Helps pay for repairs to your car for damage caused by an accident.
Popular Coverage Options
Build Your Own Auto Insurance Policy from Our Many Coverage Options
Have peace of mind knowing you’re better prepared for the unexpected. Our many auto insurance coverage options vary from state to state. Contact us to get the best combination of coverage, value and price and for personal advice on which coverage options are right for you.
For only pennies a day, roadside assistance covers towing to the nearest qualified repair shop and other basic emergency services. Roadside Assistance will help you change a flat tire, deliver gas, oil or other essential fluids like radiator and brake fluid, jump start your battery and send out a locksmith if you’re locked out of your car.
Rental Car Reimbursement
Get help paying for the cost of renting a car while yours is in the shop being repaired after a covered loss. Rental car reimbursement is a type of loss of use coverage.
Car Insurance – What’s Required in Most States
Car insurance requirements vary by state. In most states, you are required to have both bodily injury and property damage liability insurance. Some states require coverage to help pay hospital bills and medical expenses for you and your passengers related to injuries from a car accident, no matter who is at fault. Some states require that you protect yourself from uninsured or underinsured motorists. Ask your us for personal advice about making sure you’re adequately covered.
Bodily Injury Liability
Helps pay for bodily injury expenses, like hospital bills and medical care, that you may be held responsible to pay if you cause an accident that injures another driver or another car’s passengers.
Property Damage Liability
Helps pay to fix someone else’s vehicle you’re held responsible for damaging in an accident.
Car Insurance – Required in Some States
Personal Injury Protection (PIP) and Medical Payments (Med Pay)
Helps pay for hospital bills and medical care expenses for you and your passengers if you’re injured in an accident, no matter who was at fault. Some states require personal injury protection. If it’s not required where you live, you can always choose to add it yourself.
Uninsured and Underinsured Motorist (UM/UIM)
Pays for damages you are legally entitled to recover from a driver without liability insurance or a hit-and-run driver or for an amount that exceeds an at-fault driver’s insurance limits. In other words, it covers you when the other guy doesn’t have enough or doesn’t have any insurance to pay you for damage repair or your medical bills. If it’s not required where you live, you can always choose to add it for your own protection.
Even More Coverage Options
Emergency Assistance Package
Includes all the benefits of Roadside Assistance plus adds coverage up to $100 for expenses and up to $500 for meals, lodging and transportation if you’re involved in an accident more than 25 miles away from home. Also includes coverage for personal belongings damaged in an accident or stolen from your car.
Loan and Lease Coverage
If your car is declared a total loss because of an accident or theft, loan and lease coverage, helps pay for a possible difference between how much is left on your loan or lease and the depreciated street value of your car. Sometimes called Guaranteed Auto Protection or GAP.
Electronic Key and Lock Replacement
If your electronic keys are lost or stolen, we’ll replace them – along with any remote control pads and locks – at no extra charge and with no deductible applied.
CD and DVD Replacement
Get coverage for damaged or stolen audio-visual media like your CD, DVD, videotape, cassette or record collection.
New Car Replacement
If you’re the original owner of a car that is less than one year old that has been totaled or stolen, we will pay you the value of a comparable new car.
Audio-Visual and Custom Equipment Coverage
Protects your audio, visual and custom equipment that was not installed at the factory or dealership. Audio-visual systems and equipment, like a stereo or DVD player must be permanently installed. Custom equipment includes any part that modifies the appearance or performance of your car or truck like a modified or custom engine, roll bars and lift kits, custom wheels, murals and decals.
We’ll help pay for veterinary expenses or death benefit if your cat or dog is injured or dies in a collision,.
Personal Property Coverage
Get reimbursed for personal belongings that are damaged in an accident or stolen from your car.
Please note: Not all coverage options available in all states. Some options must be purchased with others. Talk to your local PriemCo agent to find out more.