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for Policyholders of the Central Insurance Companies

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Discovering the True Value of Insurance

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.


An Ounce of Prevention Pays!

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.

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  • A whole house permanent generator automatically turns on when the power goes out, provides power to the entire house, and is permanently installed. This type of generator could prevent a water backup situation, as well as power other valuable systems in your home such as your refrigerator and freezer.
    „
  • An essential circuit standby generator automatically turns on when the power goes out; however, it only provides power to a selected portion of the home during a power outage. To be used for preventing water backup, the generator must be connected to the sump pump.

  • „„ A non-electric backup sump pump is a water pressure backup sump pump. It relies on the water pressure provided by a municipal water system.

  • „„
  • Water/leak sensor systems have moisture detectors under appliances and in areas such as basements and crawl spaces. These systems provide an audible signal to the resident of the home and alert a central clearinghouse, a plumber, or activate the water cutoff valve outside the home.

  • „„ An automatic water shutoff system is installed at the water main that services the residence and shuts off the water should the flow exceed a preset limit.

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.


A Pound of Money-Saving Credits and Discounts!

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:

  • The Customer Loyalty Credit provides a discount each year you renew with Central, up to ten percent.
  • An excellent insurance score will earn you a discount.
  • A Payment Timeliness Credit is given on renewal policies if there have been no cancellation notices for non-payment.
  • Affiliate Rating provides a five percent discount on your auto, homeowners, and personal umbrella policies if you’re an owner or employee of a business insured by an independent agency which represents the Central Insurance Companies.
  • Enroll your policy in both our E-policy and E-billing options and receive a $5 annual credit per policy! Visit the myCentral website to learn more.

For your Home:   Home

  • An Elite Policy discount is also available for highly-qualified home policies.

  • A credit is applied to the base premium for a residence located in a gated community.

  • The Home Buyer Credit is for policyholders who have purchased or built a new home within the twelve months prior to their policy effective date.

  • A Loss Free Credit is provided to policyholders who have been loss free for three years.

  • A credit is given on all homeowners policies which include coverage for a boat and/or scheduled personal property such as jewelry (for which additional premium is charged).

For your Auto:   Auto

  • An Elite New Policy discount is available for new, highly-qualified auto policies.

  • The Paid In Full discount applies when you pay your auto premium annually.

  • Youthful Driver discounts include the teenSMART® Participation/Certification, New Teen Driver Family Loyalty, and Good Student.

  • A credit is given for completing an approved Accident Prevention course.

  • Vehicle Safety Features such as seatbelts and anti-theft devices earn credits.

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.


Do you... Own a dog? Have a pool? Drive a vehicle? Entertain guests?

Want to learn more about Central?

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.

Central Insurance Companies          Trusted Choice

The Central Insurance Companies are comprised of Central Mutual Insurance Company and All America Insurance Company.
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800 South Washington Street · Van Wert, Ohio 45891

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