Home Insurance Coverages & Benefits

Extremely helpful Home Insurance Coverages & Benefits information from Liberty Mutual

Coverages & Benefits

Rewarding You With Savings, Protecting You With Coverage

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  Home Insurance Coverages
  Liberty Mutual will be there when you need us, starting with helping you decide which homeowners insurance coverage options and policy limits you may need, for you and your home.
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    Home Insurance Benefits
    Convenient home insurance account services and features you want, plus special policyholder benefits you’ll appreciate.
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      Home Insurance Discounts
      With multiple discounts connected to your home’s features and your employer or professional association, you could save money on our already competitive rates.
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        Claims Services for Home
        When you have a home insurance claim to report, one call puts the process in motion. You can even file non-injury claims online. We’ll work hard to get your home back to normal.
        
        

        Home Insurance Coverages

        Protecting Yourself and Your Home with Liberty Mutual Home Insurance Policies

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      • Coverage for Your Home
        Liberty Mutual homeowners insurance coverage protects your home and other structures on your property—like a garage or tool shed—against loss from many things, including, but not 
        limited to:
    • Smoke, fire or lightning
    • Windstorm, hail or weight of ice, snow or sleet
    • Theft or vandalism
    • Falling objects
    • Freezing of a plumbing, heating, air conditioning or automatic fire-sprinkler system, or of a household appliance

Personal Possessions
If your personal possessions—including furniture, clothing and appliances—are damaged or lost as a result of a covered loss, we’ll arrange for them to be repaired or replaced. Policy limits, terms and conditions apply.

Additional Living Expense
If your home is unlivable due to a covered loss, we'll cover the additional necessary expenses you incur, up to the limits stated in your policy, to live elsewhere, enabling your family to maintain its normal standard of living.

Home Protector Plus™
If you want expanded coverage and additional benefits—including additional coverage for unforeseen costs when rebuilding your home or replacing personal property—you should consider adding this coverage.

Extra Coverage for Valuables
If you own certain high-value items, such as jewelry, art or camera equipment, you should consider adding this coverage.

Liability
If someone is accidentally injured or has property damaged while on your premises, Liberty Mutual will defend any claims against you and pay those claims up to your policy limits. We’ll also pay for reasonable and necessary medical expenses up to the limit you purchased, regardless of who was at fault.

Inflation Protection
If you purchase Inflation Protection Coverage at an additional cost, Liberty Mutual will automatically adjust your policy limits to keep pace with inflation - and you will receive a discount on your policy premium.

Home Insurance Benefits

Your Liberty Mutual Homeowner Policy Comes With All These Great Features

We offer a number of benefits to our policyholders to help make managing a home insurance policy as simple and stress-free as possible:

Manage Your Policy Online-- Register for our online services and log in to view your convenient billing options and set up a payment schedule through automatic deductions. You can make a one-time payment, or choose to pay monthly, quarterly or in one lump sum. 

You can also view policy information, make changes to your policies, set up paperless delivery of your documents and report or check on a claim. 

After-Hours Policy Services-- When you need policy information, answers to billing questions or assistance with policy changes, including after normal business hours, our Customer Response Center is available and ready to assist you. 

MORE BENEFITS FOR HOMEOWNER POLICYHOLDERS1

Additional Living Expenses2--If your home is unsafe or damage is so extensive that you cannot live there, we'll cover the additional living expenses you incur to live elsewhere. 

Emergency Home Repair Service-- If you have a covered loss, we will help you find an Emergency Service Vendor or a local contractor to protect your home from further damage. 

Personal Property Replacement-- If your personal possessions are ever damaged or destroyed, our Personal Property Replacement Service will help locate the exact items you lost - or the closest match - and we'll ship them to you quickly. 

• Multi-Policy Discount-- Save on your home insurance when you insure your home and car with Liberty Mutual.

• Home Insurance Discounts

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Our goal is to provide you with the best coverage options for your home that can be tailored to specifically meet your needs. 

Take advantage of the following special savings that you may be able to apply to your policy:

• Multi-Policy Discount—If you have more than one policy with us, you can qualify for a multi-policy discount that gets you comprehensive protection and additional savings. That's the benefit of having another Liberty Mutual policy, such as Auto, Life, Condo, Renters, Umbrella or Annuity.
• Exclusive Group Savings—Liberty Mutual partners with more than 14,000 employers, alumni associations, and professional associations to offer special savings to their employees and members.1
• • Protective Devices Discount—Save on your home insurance by outfitting your home with protective devices such as smoke alarms, deadbolts, fire extinguishers, fire alarms, burglar alarms or sprinklers.
    
    Insured to Value Discount—When you insure up to 100% of the cost to replace your home (usually different from the market value or selling price), you may receive a discount.
    
    Claims Free Discount—You'll save on a new home policy if you have not filed a claim with your previous insurance carrier for five years or more.
    
    Early Shopper Discount—Save on your home insurance when you request a quote before your current policy's start date or expiration with another carrier.
    
    Newly Purchased Home Discount—Receive special savings if you've recently purchased your home.
    
    New/Renovated Home Discount—You may qualify for special savings if your home was built or substantially renovated recently.

  • Claims Services for Home

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• 24‐hour claims assistance  
  When you need to report a claim, you can call or click 24 hours a day, 7 days a week.  Call 1-800-2CLAIMS (800-225-2467).
• CNRP — Contractor Network Referral Program*
  Your Claim Handler can provide you with information on approved vendors established by Liberty Mutual to provide customers with competent, reliable, contractors to perform building repairs related to an insured loss.  You are under no obligation to use the services of the CNRP contractor.  However, if you do, Liberty Mutual will guarantee the workmanship performed by the CNRP for one year.  Subject to policy provisions, the only cost to you will be your deductible and any non-recoverable depreciation.
  *May not be available in all locations.
  Temporary Living ExpenseIf your home is unsafe or damage is so extensive that you cannot live there, your Claim Handler can assist you in locating temporary housing and advise you on your policy coverage for additional living expenses.  Your Claim Handler can also offer you an advance against the total settlement amount of your claim for clothing or other immediate necessities.
  
  24‐Hour Homeowner Emergency Repair Service
  If you have a covered loss and your property needs to be protected from further damage, Liberty Mutual can dispatch someone to your home to take care of the situation. This service is available 24 hours a day, 7 days a week.
  
  Online Home Inventory Tool
  Submit an inventory of the items in your home on your own with our online home inventory tool, which is accessible through eService. You can identify lost or damaged items in your home and upload documents and receipts to help supplement your active claim. The information will be made accessible to your Claims Representative so they can work with you to settle your claim as soon as possible.
  
  Personal Property Replacement Service
  Instead of finding individual replacements for lost items and arranging for shipping and handling on your own, our Personal Property Replacement Service can easily set this process in motion with just one phone call. Drawing from a database of more than 400,000 items, our claims representatives will identify the exact items—or their closest possible match—that you lost. Your items will then be shipped to you once the process is complete.
  
  Catastrophe TeamLiberty Mutual's catastrophe team provides an immediate assessment of damages and appraisal resources to you when you need it most.
• The descriptions of coverages listed on this web site are necessarily brief and are subject to the provisions, limitations, and exclusions that can only be expressed in the policy and related endorsements. Benefits and services outlined on this web site are provided at no additional cost unless otherwise specified.  Discounts, credits, and benefits are available where state laws and regulations allow and may vary by state. Please contact your insurance representative for additional details.
  
  

  • Home Insurance Products
    • Homeowners Insurance
    • Renters Insurance
    • Condominium Insurance
    • Landlord Insurance
    • Umbrella Insurance
    • Flood Insurance
    • Identity Fraud Expense Coverage
    • Mobile Home Insurance
  • Coverages & Benefits
    • Home Insurance Coverages
    • Home Insurance Benefits
    • Home Insurance Discounts
    • Claims Services for Home

Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704

www.nationwide.com/joshlewis
www.austinhealthbrokers.com

Group Health

Group Health Info from Federated Insurance

Group Health

Value-Added Group Health Products

Federated’s group health insurance plans called Federated Health Choice^® (FHC) are specifically designed for small- to medium-sized businesses. Our plans are available in these states (highlighted in maroon):

Contact your Federated representative in these states for more information or a quote for Federated Mutual® group health insurance plans. See Locate Your Federated Representative.

Federated Health Choice® is offered exclusively through your local Federated representative and includes group medical,life, disability income, and dental plan options.

Group Medical

Group Health Products with Value-Added Service

Federated offers business owners affordable employee benefit plans with choices. Our plans include these features:

• Plans of choice – Preferred Provider Organization (PPO) – You choose your provider – no referrals needed, no gatekeepers.
• National PPO Networks – Network doctors available to you while traveling, on vacation, or for children away at school.
• Open formulary list for prescription drugs – No list that omits certain drugs.
• Case management for catastrophic claims – We work with you and your providers to make sure care is appropriate and cost-effective.
• Claims service with personalized, individual attention – When you call our claims office, you speak with a friendly, caring person.

Value-added premium savings choices

• Employee Choice—Federated offers employers an opportunity to buy multiple plans for their employees while contributing a defined amount of premium. This allows the employer to better control costs while offering choice to each employee.
• Quality service – Local marketing representatives offer quality products and service for all lines of coverage you choose to purchase from Federated.
• Medical management program – Helping you get the right care at the right time in the right setting. Federated partners with a utilization management program to help you make an informed decision about the appropriateness of the care you receive.
• Prescription drug plan – Federated works with Express Scripts, a leading provider of prescription benefit services in the United States. As one of the nation’s leading prescription benefit managers, they are recognized as being at the forefront of pharmacy and medical cost management. Use of preferred brands on your drug list may save you money.
• Defined Reimbursement Plans (DRP) – A DRP offers options to help you and your employees control health care expenses.Freedom Services is available to provide administration services for your DRP.
• Vision discount program – Federated offers this program through Careington International, one of the largest, most comprehensive, privately-held discount health care companies in America. The program provides significant savings opportunities across a broad spectrum of vision products and services.

More than 100 local, state, and national trade associations recommend Federated’s group products to their members.

Group Dental

Sign On

Dental Coverage for Your Employees

Many employers like to offer their employees dental coverage along with their group medical benefit. Group dental insurance is available to businesses with five or more employees covered under a Federated Group Medical Plan. Firms with 50 or fewer employees that do not purchase dental coverage will be issued a dental policy to provide the pediatric dental coverage required as an essential health benefit by the Affordable Care Act (ACA) for those age 18 and under.

Benefit options available

• $500 for each covered individual (per calendar year)
• $1,000 for each covered individual (per calendar year)
• $1,500 for each covered individual (per calendar year)
• $2,000 for each covered individual (per calendar year)

Calendar-year deductible

• For each insured family member - $50
• Aggregate family deductible - $100

The deductible does not apply to preventive services.

Coinsurance

• Dental plan pays 100 percent of preventive services
• Dental plan pays 80 percent of basic services
• Dental plan pays 50 percent of major services

Contact your Federated representative for more information on all Federated Group Plans.

Group Life

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Do Your Employees Have Life Insurance?

You can include life insurance among your employee benefits with a Federated Group Life Insurance plan. This important protection is available to businesses covered under a Federated Group Medical Plan.

Level amount option

Employer chooses a flat amount of coverage for all employees, with amounts between $15,000 and $50,000 (or up to $100,000 if 10 or more employees are enrolled).

Class-based amount option

Employer chooses the schedule. The amount for each employee is based on the employee’s occupation or position – $15,000 to $50,000 (or up to $100,000 if 10 or more employees are enrolled).

Accidental death and dismemberment coverage is included for both the level amount and class-based options.

Contact your Federated representative for more information on all Federated Group Plans.

Group Disability Income

Protection When You Can’t Work

Disability income protection is important to your employees if they can’t work because of an illness or injury. Federated offers a group disability income plan, available to businesses covered under a Federated Group Medical Plan.

You can select from Weekly Income Benefit schedules for 26 weeks:

• $100
• $150
• $200
• $300
• $400
• $500

The amount in the schedule is paid for time lost from work due to illness or injury not covered by workers compensation.

Payments are limited to two-thirds of an employee’s weekly earnings up to a maximum of $500.

Contact your local Federated representative for more information on all Federated Group Plans.

Health Care Reform

Patient Protection and Affordable Care Act (“PPACA” or “ACA”)

Enacted March 23, 2010
The highly publicized health care reform bill (Patient Protection and Affordable Care Act (PPACA or ACA) – what is commonly known as Health Care Reform (HCR) is now law and the arduous task of interpretation and implementation has begun.

ACA only created the outline for what will happen over the next several years – most provisions take effect in 2014 and many do not come into play until years after that. It is only as regulations implementing ACA are written that we are beginning to know what it really means. Regular updates will be posted to this website. This site will provide you with links to information from the various sources involved in implementation of HCR. This information will help you determine how ACA may affect you and your employees.

Affordable Care Act – General Information

• US Department of Labor Affordable Care Act Information
• Affordable Care Act (ACA) Tax Provisions
• AHIP – Affordable Care Act Information
• Implementation Timelines
• Response to U.S. Supreme Court Ruling on Affordable Care Act
• Kaiser Family Foundation – The Basics
• Health Care Changes Wizard

Affordability

• AHIP – Affordability Information

Age Rating

• AHIP – Age Rating Information

Employer Penalties

• Employer Size Calculator
• Potential Employer Penalties Under the Patient Protection and Affordable Care Act (ACA)
• Employer Responsibilities and Penalties Beginning in 2014
• IRS Issues Guidance on Counting Full-Time Employees
• Kaiser Family Foundation - Employers

Essential Benefits

• AHIP – Essential Benefits Information

Exchanges

• Required notice to employees
• AHIP – Exchanges Information
• Kaiser Family Foundation - Exchanges
• Kaiser Family Foundation – Subsidy Calculator

Fraud

• New National Public-Private Partnership to Reduce Health Care Fraud

Grandfathered Plans

• Health Care Reform and Grandfathered Plans
• Whether to Preserve "Grandfather" Status

Guarantee Issue

• AHIP – Guarantee Issue Information

Health Care Costs

• AHIP – Health Care Costs Information
• Kaiser Family Foundation – Health Care Costs

Health Insurance Tax

• AHIP – Health Insurance Tax Information
• 2010 Small Business Tax Credit
• Tax on Cadillac Health Plans

Medical Loss Ratio

• AHIP – Medical Loss Ratio Information

Notices

• Notice to Employees of Health Insurance Marketplace Options
• Revised Notice of COBRA Options 
• DOL Technical Release 2013-02 – Notice to Employees of Coverage Options & Updated COBRA Notice

Personal Coverage Requirement

• AHIP – Personal Coverage Requirement Information

Preventive Care Benefits

• Preventive Care Benefits

© 2005-2014 Federated Mutual Insurance Company. All rights reserved.

Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704

www.austinhealthbrokers.com

www.nationwide.com/joshlewis

Trucking Insurance Coverages

Trucking Insurance Coverages from Sentry

TRUCKING INSURANCE

As a leader in the trucking insurance industry, Sentry has the expertise to design the individualized protection your trucking operation needs.

When you insure with Sentry, you’ll have access to customized coverages, specialized safety programs and expert claims administration.

With $11.3 billion in assets and $3.4 billion in policyholder surplus, Sentry is rated A+ (Superior) rating by A.M. Best, the industry’s rating authority

AUTO LIABILITY

As a trucker we realize that you’d rather focus on keeping your trucks on the road – not worrying about having the proper insurance protection. Sentry’s auto liability coverage includes bodily injury and property damage protection as well as a variety of deductible options and customizable liability limits.

Our auto liability coverage offers options for hired and non-owned auto liability, trailer interchange and broadened pollution. Accident travel coverage is provided at no additional cost.

MOTOR TRUCK CARGO

Sentry can provide the valuable protection you need for the cargo you haul. Our motor truck cargo coverage includes:

• No coinsurance clause
• A variety of deductible options
• Debris removal
• Mechanical reefer breakdown
• Uncollected earned freight charges
• Load-handling equipment
• Pollution coverage

AUTO PHYSICAL DAMAGE

Whether you are an owner/operator, or manage a large fleet, Sentry has the coverage you need for your most important asset – your trucks.

Our physical damage program offers a variety of deductible options, rental reimbursement, unlimited towing and recovery costs and automatic coverage for temporary substitute vehicles. In addition, we provide protection for your:

• Personal property
• Tarps, chains and binders
• Electronic in-cab equipment

WORKERS’ COMPENSATION

Sentry has proven expertise in workers’ compensation claims – by handling more than 60,000 claims each year. As a cost-containment solution, we utilize a preferred provider organization (PPO) and prescription drug program.

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• FOR TRUCKERS ONLY

• Insurance for Truckers
• Claims Services
• Safety Services
• Retirement Program

Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704

www.austinhealthbrokers.com
www.nationwide.com/joshlewis

For Individuals & Families

Information about Life, Accident & Health, Home/Auto/Personal Property Insurance from ACE Insured.



For Individuals & Families



ACE provides individuals and families with products to insure your  well-being as well as your assets. Our personal policies give you added peace of mind in facing life’s unexpected events.

We offer a broad array of offerings directly to you or through sponsors in select regions of the world:

• Accidental death insurance
• Automobile insurance
• Coverage for laptop computers, mobile phones and other small electronics
• Identity theft protection
• Income protection
• Life insurance protection and savings products
• Prescription drug
• Recreational marine
• Personal accident and sickness insurance to help pay expenses if income is lost as a result of an accident or illness
• Supplemental medical insurance
• Medicare supplemental insurance
• Traditional life insurance protection and investment and savings products
• Travel accident and vacation insurance
• Residential products to cover your home and personal belongings including a house, apartment and/or condominium, and personal liability for property owners, landlords and tenants

Life Insurance



ACE Life helps individuals and families in Asia, Latin America, the Middle East and Europe plan for the future with personal life insurance products to meet your needs. 

We offer a comprehensive range of traditional life insurance protection and savings and investment products designed to provide financial protection for you and your family.

Key products include:

• Protection products including term life, whole life and specialized protection including credit life and accident
• Savings and investment products including endowment, universal life and variable annuity
• Riders including accidental death, accidental disability, dread disease, cancer and critical illness
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ACE’s accident and health products are available through employers, affinity groups, sponsors such as banks, credit card companies, mobile network operators, utilities, travel providers/agents, universities and websites, as well as direct marketing and agents of Combined Insurance, our subsidiary that offers personal accident and sickness coverages.

Home/Auto/Personal Property Insurance

Whether it’s for your home, car, boat, or other valuables and personal possessions, ACE offers policies to protect what’s yours.

Homeowners Insurance

Our policies provide financial protection for the structure of your home as well as your personal possessions.  Homeowners insurance also helps protect you from personal liability if someone is injured on your property.

Key coverages include the following:

• Fire damage
• Water damage
• Theft
• Debris removal
• Storm damage
• Personal accident
• Living expenses if your home is uninhabitable

Automobile InsuranceNew or used, sporty or classic, our automobile policies offer protection from accidents, theft, and other mishaps.

Key coverages include the following:

• Collision/damage to your own vehicle
• Vandalism
• Trip interruption
• Liability
• Coverage for military personnel

• Theft
• Medical expenses for occupants
• Tourist policies
• Towing expenses
• Third party property damage

Boat Insurance and Other Personal Property InsuranceWhile a homeowners policy includes coverage for your valuables, you may also choose to insure your other precious possessions with the added protection and coverage on a worldwide basis for personal property such as:

• Pleasure boats and yachts
• Fine art, antiques, jewelry, and collectibles
• Private aviation

Mobile Technology ProtectionMobile technology – including smart phones, laptops, PDAs, digital cameras, and MP3 players – are part of our daily lives.  Replacing them if they are lost, stolen or damaged can be costly.  ACE’s mobile technology insurance products cover the cost of replacing or repairing these devices against theft or damage with comprehensive protection and cover at home and abroad.

This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverages may not be available in all jurisdictions and may be available only through appropriately licensed brokers. Refer to the Licensing Information document for a chart of the jurisdictions in which each ACE Group subsidiary is licensed.

© 2014 ACE
Terms of Use
Licensing Information
Privacy Statement

Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704

www.nationwide.com/joshlewis
www.austinhealthbrokers.com

From United Fire Group

United Fire Group understands the risks you face as a business owner. We have carefully developed commercial property insurance solutions for any size business; from a locally-owned company on Main Street to one on the Fortune 500 list.

Basic Coverage

Personalized Coverage

Properties require constant upkeep. And no matter how diligent you are in your efforts to maintain your property, unexpected losses can and do occur. We protect a wide variety of commercial property from fire, theft and natural disaster.

 

Contact one of our independent insurance agents today to customize the coverage you need to protect your business.

Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.

Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704

www.nationwide.com/joshlewis

www.austinhealthbrokers.com

Commercial Property

Commercial Property

Commercial Property

Commercial Property