We understand the value of insurance issometimes difficult to measure. It may feel like there's little reward for the monthly or annual payments you make. But take a moment to stop and consider what you’re really paying for. An insurance policy is essentially a promise to provide you security, protection, and peace of mind, from the minute you become our policyholder, to the moment a loss occurs, and beyond.
The Value of Central Insurance
For 140 years, Central Insurance has been fulfilling this promise for you, our policyholder. We understand you might have questions and we're happy to provide the answers. From explaining the details of your policy to what you should do after a loss, Central's primary objective is to provide you outstanding customer service.
Should you ever need to file a claim, you can rest assured knowing that it will be handled quickly and professionally. We strive to provide prompt claims service and fair payments, and you choose how you want to file your claim: online, by phone, or through your independent agent.
We continually strive to make technological improvements that make your life easier. Our myCentral® policyholder website and mobile app allow you to access your policy information, pay your bill, report a claim, and more – anytime, anywhere.
The Value of Your Independent Agent
Central is proud to partner exclusively with independent agents and we're pleased you’ve purchased coverage through one of our agency partners. Your independent agent works with many insurance companies and they have entrusted us to provide you with quality products and excellent service. Working with an experienced insurance advisor means you’ll benefit from expert advice and counseling, personalized attention and interaction, access to a wide variety of coverages, and excellent customer service. These are just a few of the ways independent agents bring value to the insurance transaction.
The Value of YOU!
Central Insurance is a mutual company. That means our company is owned entirely by our customers – you! Our management decisions are based upon ensuring your ongoing security. We appreciate your faith in allowing us to fulfill your insurance needs and we value your loyalty. Thank you for being a Central customer!
Click here to watch The Value of Central Video.
The Benjamin Franklin proverb "an ounce of prevention is worth a pound of cure" is as relevant today as it was when Franklin made the statement. This truism can be applied to many facets of life, including insurance! Because insurance is the transfer of risk from one entity to another, preventing losses is beneficial for both parties involved.
Besides the obvious benefits such as protecting your home and loved ones, did you know preventative measures are a great way to earn discounts on your homeowners insurance? Here are some types of protective devices you can install in your home to help you safeguard your most valuable assets, and also save money on your home insurance:
Smoke alarms are an inexpensive way to protect you and your family. A working smoke alarm doubles your chances of survival in a fire. Test it monthly, keep it free of dust, and replace the batteries at least once a year. Smoke alarms should be replaced after ten years of service.
Basic burglar alarms are typically wired to a central control panel in the home that will activate when windows or doors are opened while the system is armed.
A central monitoring station fire and burglar alarm system uses special telephone lines, computers, software, and trained staff to monitor their customers' security systems and call the appropriate authorities in the event an alarm signal is received. An alarm continuity system will monitor connectivity to the central station and sound an alarm if the connection is lost. A gas leakage detection system can also be installed, which will close the main gas valve and transmit a signal through the central station alarm.
Sprinkler systems have historically been used only in large commercial buildings, but are now available for homes and small buildings at cost-effective prices. If your home happens to have a full or partial sprinkler system or a sprinkler system flow alarm installed, be sure to let your insurance agent know. You'll receive a discount!
A lightning protection system consisting of lightning rods and lightning surge arresters can protect the electrical wiring and all electronic devices in the house.
Water backup loss prevention devices can help stop water from backing up into your home when you’ve lost power.
If you currently have one of these loss prevention devices in your home, check with your Central insurance agent to make sure you are receiving all the discounts you possibly can on your homeowners insurance.
If you don't currently have any of these loss prevention devices installed, remember "an ounce of prevention is worth a pound of cure."
Article adapted from the original blog post “An Ounce of Prevention is Worth a Premium Savings!” by Central employee Pam Leis.
Some discounts, credits, or other benefits described in this newsletter may not be available in all states or may vary by state and by line of business. Please be sure to consult with your independent insurance agent to confirm which of these discounts, credits, or other benefits are available to you.
In addition to the credits and discounts you could receive for installing protective devices in your home, Central offers several more ways you can save money on your insurance premium.
Insure both your auto and home with Central and you’ll receive a 25 percent package discount. The Auto/Home Deductible Waiver will also apply if you have a covered loss involving both your auto and home (only the larger deductible will apply).
Home and Auto discounts:
Another way to save? Select a higher deductible and you can lower your premium.
Check your current policies and consider the savings you could receive. Then call your independent agent for more information on discounts offered by the Central Insurance Companies.
Talk to your independent agent or browse through our website at central-insurance.com to become more familiar with Central. Find out about our history, our culture, and our products, or review our annual report.
The Central Insurance Companies are comprised of Central Mutual Insurance Company and All America Insurance Company.
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