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HomeMy WebLinkAboutInsurance Cert. May 19 2021 - 2022Allstate Indemnity Company PO Box 660598 Dallas, TX 75266-0598 City of Auburn 25 W MAIN ST AUBURN WA 98001-4998 Policy number: 987 647 793 Transaction: Renewal ADDITIONAL THIRD PARTY Q)Allstate. You're in good hands. B20%% Barry V Hasson 7727 Aurora Ave N Seattle WA 98703 �I�Ill�illlllllr��llrlllil�iril�lrll�lll��llnil�ni�lli�ll�� STUART S MATTHIS AND ANGELA A GOSSWILLER 28728 GREEN RIVER RD KENT WA 98030-8300 Q)Allstate. You're in good hands. Information as of April 2, 2021 Policyholder(s) Page 1 of 2 Stuart S Matthis Policv number 987 647 793 Your Allstate agency is Barry V Hasson (206) 782-5191 BarryHasson@allstate.com Thank You for Being a Loyal Allstate Customer —We're Happy to Have You with Us! Here's your Renters insurance renewal offer for the next 12 months. I've also included a guide to what's in this package and answers to some common questions. Have you considered our Easy Pay Plan? Tired of writing checks? Interested in a solution that could save you money? You may qualify for a 5% premium discount at your next renewal by having your insurance payments automatically deducted from your checking or savings account through the Allstate0l Easy Pay Plan. You'll be able to select a convenient day of the month for your premium withdrawal —either a monthly installment payment or a single Pay in Full option. And you'll avoid the hassle of writing checks and worrying about payments getting lost in the mail. For more information on the Allstate' Easy Pay Plan, call your agent or visit allstate.com. Renewing your policy is easy Keep an eye out for your bill, which should arrive in a couple of weeks. Just send your payment by the due date on your bill. If you're enrolled in the Allstate Easy Pay Plan, you won't receive a bill —we'll send you a statement with your payment withdrawal schedule. You also won't receive a bill if a mortgage company or lienholder pays your insurance premium for you. How to contact us Give me a call at (206) 782-5191 if you have any questions. It's my job to make sure you're in good hands. Sincerely, Barry V Hasson Your Allstate Agent RP573-2 B2077 Policy number: 1987647 793 Policy effective date: May 19, 2021 Page 2 of 2 Your Insurance Coverage Checklist We're happy to have you as an Allstate customer! This checklist outlines what's in this package and provides answers to some basic questions, as well as any "next steps" you may need to take. ❑ What's in this package? See the guide below for the documents that are included. Next steps: review your Policy Declarations to confirm you have the coverages, coverage limits, premiums and savings that you requested and expected. Read any Endorsements or Important Notices to learn about new policy changes, topics of special interest, as well as required communications. Keep all of these documents with your other important insurance papers. ❑ Am I getting all the discounts I should? Confirm with your Allstate Agent that you're benefiting from all the discounts you're eligible to receive. A guide to your renewal package ❑ What about my bill? Unless you've already paid your premium in full, we'll send your bill separately. Next steps: please pay the minimum amount by the due date listed on it. You can also pay your bill online at allstate.com or by calling 1-800-ALLSTATE (1-800-255-7828). Para espanol, Ilamar al 1-800-979-4285. If you're enrolled in the Allstat' Easy Pay Plan, we'll send you a statement detailing your payment withdrawal schedule. ❑ What if I have questions? You can either contact your Allstate Agent or call us 24/7 at 1-800-ALLSTATE (1-800-255-7828) - para espanol, Ilamar al 1-800-979-4285 - with questions about your coverage, or to update your coverages, limits, or deductibles. Or visit us online at allstate.com. ~.'---.__. ._a gw,.mq—`--.:-- cpna�n--:•-,. c%uun.�e (SJawesl= - -- =-- M __= made simple - - lop Policy Policy Important Insurance Made Declarations* Endorsements Notices Simple The Policy If changes are We use these Insurance seem Declarations made to your notices to call complicated? lists policy policy, these attention to Our online details, such as documents will particularly guides explain your property include your new important coverage terms details and contract coverages, policy and features: coverages. language. changes and Www.allstate.com/ discounts. madesimole Esoanol.allstate.com Aa_akkentender * To make it easier to see where you may have gaps in your protection, we've highlighted any coverages you do not have in the M Coverage Detail section in the enclosed Policy Declarations. s O m r OO 0 0 0 N • Your policy effective date is May 19, 2021 Total Premium for the Premium Period (Your bill will be mailed separately) Premium for property insured $284.98 Total $284.98 Your bill will be mailed separately. Before making a payment, please refer to your latest bill, which includes payment options and Installment fee information. If you do not pay in full, you will be charged an installment fee(s). If you do not pay your bill by the due date shown on your billing statement, you may be charged a late fee. Increase Due to Rate change $0.00 Total Premium Increase $3.25 Location of property insured 28728 Green River Rd, Kent, WA 98030-8300 Rating Information The dwelling is occupied by 1 family Additional Interested Party: City of Auburn 25 W Main Street, Auburn, WA 98001-4916 WAllstate. You're in good hands. Pagel of 3 Information as of April 2, 2021 Summary Named Insured(s) Stuart S Matthis Mailing address 28728 Green River Rd (Cent WA 98030-8300 Policy number 987 647 793 Your policy provided by Allstate Indemnity Company Policy period Begins on May 19, 2021 at 12:01 A.M. standard time, with no fixed date of expiration Premium period Beginning May 19, 2021 through May 19, 2022 at 12:01 A.M. standard time Your Allstate agency is Barry V Hasson 7721 Aurora Ave N Seattle WA 98103 (206) 782-5191 BarryHasson@allstate.com Some or all of the information on your Policy Declarations is used in the rating of your policy or it could affect your eligibility for certain coverages. Please notify us immediately if you believe that any information on your Policy Declarations is incorrect. We will make corrections once you have notified us, and any resulting rate adjustments, will be made only for the current policy period or for Suture policy periods. Please also notify us immediately if you believe any coverages are not listed or are inaccurately listed. Coverage detail for the property insured Coverage Limits of Liability Applicable Deductible(s) Personal Property Protection - Reimbursement Provision $39,000 • $500 All peril 0 a Q G Renewal Renters Policy Declarations Policy number: I9i37 �47 i93 Policy effective date: May 19, 2021 Page 2of3 Additional Living Expense _ Up to 12 months Family Liability Protection $500,000 each occurrence Guest Medical Protection $5,000 each person Other Coverages Not Purchased: • Business Property Protection* a Extended Coverage on Musical • Increased Coverage on Building • Business Pursuits* Instruments* Improvements* s Cellular Communication System* ® Extended Coverage on Sports " Increased Coverage on Money* ® Electronic Data Processing Equipment* • Increased Coverage on Securities* Equipment* • Fire Department Charges* . Increased Silverware Theft Limit* • Extended Coverage on Cameras* * Home Day Care* • Lock Replacement* • Extended Coverage on Jewelry, . Incidental Office, Private e Waterbed Liability* Watches and Furs* School Or Studio* * This coverage can provide you with valuable protection. To help you stay current with your insurance needs, contact your agent to discuss available coverage options and other products and services that can help protect you. Scheduled Personal Property Coverage Your policy does not include Scheduled Personal property Coverage. This coverage can provide you with valuable protection. To help you stay current with your insurance needs, contact your agent to discuss available coverage options and other products and services that can help protect you. o. policy . Your Renters policy consists of the Policy Declarations and the following documents. Please keep them together. ■ Renters Policy - AP1033-1 . Washington Amendatory Endorsement - AP4905 * Amendment of Policy Provisions - AP4710 ® Washington Amendatory Endorsement - AU14884 • Additional Insureds Endorsement - AU267 « Depreciation Amendatory Endorsement - AP4970 ® Additional Insured - Nan -Relative -Personal Property Protection -Coverage C, Family Liability Protection -Coverage X and Guest Medical Protection -Coverage Y - AVP436 Important payment and coverage information Mere is some additional, helpful information related to your coverage and paying your bill: 0, A $10.00 late fee may be assessed if payment is received after the due date. 0- Coverage C - Personal Property Protection includes an approximate increase of $1,000 due to the Property Insurance Adjustment provision using the Marshall Swift Boeckh Publications personal property cost estimating index. w Please note: This is not a request for payment. Your bill will be mailed separately. Renewal Renters Policy Declarations Policy number: 1987647 793 Page Policy effective date: May 19, 2021 3 of 3 You're in good hands. Allstate Indemnity Company's Secretary and President have signed this policy with legal authority at Northbrook, Illinois. Julie Parsons President B2o77 �VN NOWis= ' W, Susan L. Lees Secretary M Policy Endorsement _ Policy number: 987 "77 Policy effective date: May 19, 2021 The following endorsement changes your policy. Please read this document carefully and keep it with your policy. Amendatory Endorsement - AP4970 Throughout the policy, when determining the actual cash value of the loss, the costs necessary to repair, rebuild or replace the destroyed, damaged or stolen property may be depreciated. Such costs subject to depreciation may include, but are not limited to, goods, materials, equipment, labor, overhead and profit, taxes, fees or similar charges, All other policy terms and conditions apply. Page 7 of 1 Important notices Policy number: 1987647 793 Policy effective date: May 19, 2021 Notice of Changes to Your Policy We've changed your policy by adding a new Amendatory Endorsement. Please read this new Amendatory Endorsement and keep it with your other policy forms. We're also providing you with the following summary. We hope you find it informative and useful, but keep in mind that it's not part of your contract. Always reference your policy documents for your exact coverage details. If you have any questions about this notice or your policy coverage, you can contact your Allstate Agent or representative, call 1-800 ALLSTATE@ (1-800-255-7828), or visit www.allstate.com. We're here to help! Summary of Changes We have added the following additional information to the policy describing our calculation of actual cash value: "Throughout the policy, when determining the actual cash value of the loss, the costs necessary to repair, rebuild or replace the destroyed, damaged or stolen property may be depreciated. Such costs subject to depreciation may include, but are not limited to, goods, materials, equipment, labor, overhead and profit, taxes, fees or similar charges." Again, please carefully read the enclosed endorsement together with all other applicable forms and the enclosed Policy Declarations, XC7215 Your Coverage Limits Have Been Increased We are writing to let you know that with this renewal, your Contents Protection (Coverage C) limits have been increased and, as a result, your premium has increased accordingly. Your policy includes a feature called "Property Insurance Adjustment" (PIA). PIA reflects changes in personal property costs that may have occurred during the policy period. This information is useful in estimating the amount of insurance coverage needed to cover the cost of replacing your personal property in the event of a loss. Your policy's PIA recently indicated that personal property costs in your market have increased. Based on this information, we have increased your Contents Protection limits. R)IIm Page 1 of 2 Q)Allstate. You're in good hands. However, we would like you to consider whether the changes we made are sufficient. Keep in mind that while our coverage estimates are based on what we believe are sound assumptions, they are only estimates. It's possible that the new limits may not provide sufficient coverage in the event of a loss. Conversely, there is a possibility that your new limits may provide coverage in excess of the actual cost of your home's contents. If you are unsure whether this coverage limit increase is adequate, please call your Allstate representative. Together, we can help you determine the coverage limits that are right for you. We truly appreciate your continued business, and we want to help you in any way we can with your insurance. Thank you. X67683 Information about Scheduled Personal Property Coverage Protection for Your Valuables Allstate offers Scheduled Personal Property (SPP) coverage to help protect your valuables. These items can include jewelry (such as engagement and wedding rings), fine art and musical instruments. Sports equipment, such as golf clubs, can also be covered by SPP. In addition, SPP can cover valuables stored outside of your home in a safe deposit box or bank. And if you work from home and use computer or audio-visual equipment for business purposes, SPP can cover these items as well. Already Have SPP? Even if you currently have SPP coverage, it's a good idea to review your coverage annually. It's possible that the value of your property has changed or that you have purchased new items that have not been added to your coverage. Affordable Coverage The cost of SPP coverage varies, but the value of your property is the best way to determine how much coverage you need —the rates are generally a small percentage of the total value of the items you're insuring. This could mean that your valuables are being protected for only a fraction of the cost. To learn more about SPP coverage, or if you have any questions about your insurance policy in general, contact your Allstate representative, or visit us at allstate.com. Important notices Policy number: 987 647 793 Policy effective date: May 19, 2021 Subject to availability and qualifications. Other terms, conditions and exclusions may apply. X72485 A Statement Regarding Flood Insurance Your homeowners or dwelling policy does not cover damage to dwellings, other structures, and in most cases personal property, caused by flooding. The federal government offers flood insurance through the National Flood Insurance Program to residents of communities that participate in its program. You can learn more about the National Flood Insurance Program at www Nodsmart gov or by calling (888) 379-9531. You may also contact your Allstate representative at 1-800-ALLSTATE@ (1-800-255-7828). Here are some important facts you should know: • Flood insurance policies are available for qualifying homes located in a community that is a participant in the NFIP. Some lenders, as a condition of your mortgage, will require that you purchase flood insurance. You should confirm with your mortgage lender or the NFIP if you are required to purchase flood insurance. Even if you are not required to purchase flood insurance as a condition of your mortgage, you should consider purchasing it as part of the overall protection for your home. This decision is completely yours to make. You do not have to be located in a special flood hazard area or be close to a body of water to be exposed to flooding. The risk of flood is present for most homes as floods can be caused by storms, melting snow, heavy rains, dam failures, or other causes. This is why you should consider flood insurance even though it is not required by your lender, or if you do not live in a special flood hazard area or near a body of water. • You must complete a separate application in order to purchase flood insurance; it is not part of your homeowners insurance application. Flood insurance policies have two types of coverage: structural coverage for your home and the items that are permanently attached and contents coverage for your personal property within the home. Structure and contents coverages are purchased separately and carry separate deductibles. • Generally, there is a 30-day waiting period for a new flood insurance policy to become effective. However, there is no Page 2 of 2 waiting period if the flood policy is purchased in conjunction with a mortgage loan. The handling of federal flood claims is strictly regulated by the Federal Government, which requires that flood claims be adjusted and paid on a different basis than your homeowners, renters, condominium owners, or mobile home insurance claims. In addition, federal flood insurance claims are paid with federal funds. X72771 Privacy Statement Policy number: 1987647 793 Policy effective date: May 19, 2021 Thank you for choosing Allstate. We value you, respect your privacy and work hard to protect your personal information. This statement is provided on behalf of Allstate Insurance Company and the affiliates ("Allstate") listed at the end of this notice. We would like to explain how we collect, use and share the information we obtain about you in the course of doing business. Our Privacy Assurance • We do not sell your personal or medical information to anyone. • We do not share your information with non -affiliate companies that would use it to contact you about their own products and services, unless permitted pursuant to a joint marketing agreement. • We require persons or organizations that represent or assist us in servicing your policy and claims to keep your information confidential. • We require our employees to protect your personal information and keep it confidential. As you can see, protecting your personal information is important to us. In addition to the practices described above, we use a variety of physical, technical and administrative security measures that help to safeguard your information. For Social Security Numbers (SSN), this includes restricting access to our employees, agents and others who use your SSN only as permitted by law: to comply with the law, to provide you with products and services, and to handle your claims. Also, our employees' and agents' access to and use of your SSN are limited by the law, our policies and standards, and our written agreements. Our privacy practices continue to apply to your information even if you cease to be an Allstate customer. What Personal Information Do We Have and Where Do We Get It We gather personal information from you and from outside sources for business purposes. Some examples of the information we collect from you may include your name, phone number, home and e-mail addresses, driver's license number, Social Security Number, marital status, family member information and healthcare information. Also, we maintain records that include, but are not limited to, policy coverages, premiums, and payment history. We also collect information from outside sources including, but not limited to, insurance support organizations that assemble or collect information about individuals for the purpose of providing to insurance companies. This information may include, but is not limited to, B2077 Page 1 of 2 WAllstate. You're in good hands. your driving record, claims history, medical information and credit information. In addition, Allstate and its business partners gather information through Internet activity, which may include, for example, your operating system, links you used to visit allstate.com, web pages you viewed while visiting our site or applications, Internet Protocol (IP) addresses, and cookies. We use cookies, analytics and other technologies to help: • Evaluate our marketing campaigns • Analyze how customers use our website and applications • Develop new services • Know how many visitors have seen or clicked on our ads Also, our business partners assist us with monitoring information including, but not limited to, IP addresses, domain names and browser data, which can help us to better understand how visitors use allstate.com. How We Use and Share Your Personal Information In the course of normal business activities, we use and share your personal information. We may provide your information to persons or organizations within and outside of Allstate. This would be done as required or permitted by law. For example, we may do this to: • Fulfill a transaction you requested or service your policy • Market our products • Handle your claim • Prevent fraud • Comply with requests from regulatory and law enforcement authorities • Participate in insurance support organizations The persons or organizations with whom we may share your personal information may include, among others: • Your agent, broker or Allstate -affiliated companies • Companies that perform services, such as marketing, credit card processing, and performing communication services on our behalf • Business partners that assist us with tracking how visitors use allstate.com • Other financial institutions with whom we have a joint marketing agreement • Other insurance companies that play a role in an insurance transaction with you • Independent claims adjusters • A business or businesses that conduct actuarial or research studies • Those who request information pursuant to a subpoena or court order Repair shops and recommended claims vendors The Internet and Your Information Security Privacy Statement Policy numbun 987647793 Policy effective date: kAay1g,2D21 VVuuse cookies, ona|yUosand other technologies tohelp uo provide users with better service and amore customized web experience. Additionally, our business partners use tracking services, ana|yticuand other technologies tumonitor visits to aUstate.com.The vvebsitumay also use Web beacons (also called "clear G|Fo"or"pixel togo")|nconjunction with cookies, Ifyou prefer, you can choose tonot accept cookies bvchanging the settings onyour web browser. Also, ifyou would like to learn about how vvegather and protect your information over the Internet, please see our online privacy statement located at the bottom ofthe aUutata.cnmhomopago. Tolearn more, the mUstote.comPrivacy Statement provides information relating toyour use nfthe woboite.This includes, for example, information regarding: 1) How wecollect information such as|Paddress (the number assigned toyour computer when you use the Internet), browser and platform types, domain names, access times, referral data, and your activity while using our site; 2) Who should use our webyito; 3) The security ofinformation over the Internet; and 4) Links and co -branded sites, How You Can Review and Correct Your Personal Information You can request tnreview your personal information contained inour records atany time, Tndnthis, please send aletter to the address below requesting tosee your information for the previous two years. |fyou believe that our information |n incomplete urinaccurate, you can request that vvacorrect it. Please note vvomay not beable toprovide information relating toinvestigations, claims, litigation, and other matters. VVewill behappy tomake corrections whenever possible. Please send requests to: Allstate Insurance Company Customer Privacy Inquiries POBox 66USg8 Dallas, TX75266-O598 Your Preference for Sharing Personal Information VVowould like -to share your personal information with one or more Allstate affiliates |norder tnmake you aware vfdifferent products, services and offers they can provide. However, you can request that Allstate and its affiliate companies not share your personal information with our affiliates for marketing products and services. Turequest that wonot allow otherAllstate affiliates tnuse your personal |nformatkjntomarket their products and services, you can contact umbycalling 1'8OO'856-2G18 twenty-four hours aday, seven days aweek. Please keep in mind that itmay take uptofour weeks toprocess your request. Page 2 of 2 Myou previously contacted unand asked uonot toallow other Allstate affiliates touse your personal information, your previous choice still applies and you dnnot need tocontact us again. |fyou would like tochange your previous choice please call the number above otany time. We Appreciate Your Business Thank you for choosing Allstate. VVeunderstand your concerns about privacy and confidentiality, and wehope this notice has been helpful toyou. VVevalue our relationship with you and look forward tokeeping you (nGood Hends(ql. }fyou have questions urwould like more information, please don't hesitate tocontact your Allstate agent urcall the Allstate Customer Information Center at1-8OO'ALLSTATE, VVereserve the right tochange our Privacy practices, Allstate The Allstate family pfcompanies, LSASecurities, Doorbrook General Agency, |nC.,Deerbro¢kInsurance Company, North Light Specialty Insurance Company, Northbrook Indemnity Company. Please Note: Allstate affiliates American Heritage Life Insurance Company, Castle Key Insurance Company and Castle Key Indemnity Company participate ininformation sharing with the affiliates listed above, but have aseparate privacy notice for their customers, 1D/3U1E)