HOMEOWNERS INSURANCE
Homeowners insurance protects your home, personal property and family from damage, mishaps and other unfortunate events. A homeowners policy consists of two major components: property protection and liability protection.
Property protection insures your home and property from such perils as fire, theft and vandalism. It also protects your personal property while you are away from home in the continental United States or worldwide. For example, if you are on vacation in Europe and your camera and clothes are stolen, those items are covered since they are considered personal property.
Liability protection insures you if someone is injured on your property. For example, a guest is injured in a fall and files a liability lawsuit against you.
Basic Homeowners Coverages
| |
Coverage |
What it Protects |
|
| |
|
| |
Dwelling |
Provides coverage for damages to your residence, including structures attached to the home. |
|
| |
Other Structures |
Provides coverage for other structures, if any, located on the premises that are not connected to the home. |
|
| |
Personal Property |
Provides coverage for loss or damage to your personal property worldwide for its actual cash value. Personal Property refers to the endless variety of personal items found in almost any household, such as furniture, appliances, decoratives and clothing. |
|
| |
Loss of Use |
Provides coverage for the loss of use of your home if it is damaged due to an event covered by your policy and cannot be occupied and you must stay in a hotel, motel or other temporary lodging while your home is being repaired. |
|
| |
Personal Liability |
Provides coverage for yourself against defense costs and liability claims if someone is injured on your property or if someone is injured or their property damaged as a result of your actions. |
|
| |
Medical Payment to Others |
Provides coverage for yourself to pay for necessary medical expenses for others if they are injured on your property or injured as a result of your actions. |
|
| |
|
Hurricane Insurance
Hurricane insurance protects your dwelling and personal property from damages caused by hurricane conditions as declared by the National Weather Service. DTRIC provides hurricane coverage through Zephyr Insurance Company and International Catastrophe Insurance Managers (ICAT).
INSURANCE DISCOUNTS [back to top]
As a DTRIC customer, you can count on getting the coverage you need at competitive rates with the personal attention you deserve. To ensure you get a great value, our experienced insurance representatives will look for ways to save you money. You can save up to 25% off your home premium when we insure your car and home. This special discount is called the HomeAuto AdvantageSM. Here are examples of discounts that can help you save money:
| • |
Loss-Free Discount. Save 25% off the basic homeowner premium with three consecutive years of loss-free experience. |
| • |
New Construction Discount. Save up to 25% off the basic homeowners premium if your home was built within the last 15 years. |
| • |
Continuous Coverage Discount. Save up to 8% off the basic homeowners premium if you have maintained continuous homeowners insurance with a valid carrier. |
| • |
HomeAuto AdvantageSM Discount. Save up to 25% off your homeowners premium if you have a current DTRIC auto insurance policy. |
PAYMENT PLANS [back to top]
DTRIC offers flexible payment plans to make paying your home premiums affordable and easy. You can select a plan that suits your individual needs:
| • |
One Pay. Make one payment that covers the entire premium for your policy. |
| • |
Two Pay. This payment plan allows you to split your payments into two equal installments. The first installment requires a minimum 50% down payment of the premium that is due on the effective date of the policy. The second installment is due 150 days following the policy effective date. There are no service fees for this new payment plan. |
Accepted Forms of Payment
For your convenience, we accept cash, checks, credit cards and check/debit cards (VISA, MasterCard, American Express and JCB).
HOW CAN I GET A QUOTE? [back to top]
You can call our sales representatives at 92-DTRIC (923-8742) or 1-877-923-8742 (Neighbor Islands, toll free). You can also request an auto, homeowners or renters quote online. For faster service, be sure to have your current insurance policy handy. You can also contact an agent.