Citizens Insurance in Detroit, or officially known as Citizens Insurance Company of America, is a subsidiary of The Hanover Insurance Group.
It provides a wide range of property and casualty insurance including auto, umbrella, watercraft & toys, identity protection, valuable items, and home insurance for personal as well as commercial buildings. Citizens Home Insurance offers the same types coverage, additional endorsement, and discounts as its parent company. The company’s homeowners insurance coverage is available in three different packages including Platinum Select, Platinum Select Plus, and Platinum Select Premium.
Platinum Select is the basic package, but it includes quite a lot of coverage including:
Platinum Select Plus includes all the above coverage and the following:
Platinum Select Premium gives all from the packages mentioned above and the following:
Citizens property insurance is licensed to do business in Detroit, Michigan and the majority of Midwest area. All information about the coverage, endorsements, discounts, and filing complaint are available on the official website of its parent company.
The Hanover Insurance Group and all its subsidiaries are rated “A” for FSR (Financial Strength Rating) and “A” for ICR (Issuer Credit Rating) by A.M. Best, a reputable independent insurance companies reviewer. This also means Citizens Insurance in Detroit has the same affirmed rating.
In the State of Michigan, you are not actually required to purchase homeowners insurance. It is however recommended especially if you finance your house, or your lender wants you to buy it. The good thing is that Michigan sets some good rules to help consumers acquire homeowners insurance quickly.
Citizens property insurance will not reject your application only because you have an old building, live in the rather unfriendly neighborhood, or because of location-related perils.
Another beneficial rule for consumers:
Set by the DFIS (Department of Insurance and Financial Services) is that your insurance is required to offer the lowest available premium quote from any company he/she represents; the agent must also provide additional quotes.
How to Save On Senior Auto Insurance
Ever been in a situation where you are in a hurry to get somewhere and driving on the freeway with such speed then you suddenly see yourself come behind a car on same fast lane going slow, even slower than those on other lanes? You try as much to get the slow driver to move faster; flashing your vehicle light and all you could to no avail. You finally get to move past the slow driver and while getting by car, you realized the driver is an elderly and you simply drive ahead and wander along. It is a fact that senior citizens drive safely much more than the youths and have better rates.
What You Can Do to Get Cheap Insurance for Your Car
With so many auto insurance companies across the nation, finding an affordable insurance for your vehicle can be either easy or difficult. It is easy because those companies are in the middle of a competition which may force them to lower the premium. It is also difficult since the cheapest one is not always the most dependable.
Auto insurance used to be a complicated process full of lengthy discussions with captive agent
As technologies improve and communication has become easier than ever, buyers no longer need to wait for several days to get quotes and make the purchase.
