|
 |
Personal Line Services
Partners Healthcare Employees & Affiliate members are eligible to take
advantage of a discounted program for their Personal Automobile Insurance. Upon
renewal of your Massachusetts personal auto insurance, Plymouth
Rock Assurance Company, in conjunction with the Sumner & Toner Insurance
Agency, is offering a 5% discount on Personal Auto policies for employees of
Partners Healthcare and Affiliates. In addition, you can receive a 17% discount
on your Homeowners policy when purchased with a Plymouth Rock Auto policy under
the Partners Program. Please see the list of procedures below to qualify for
this discount.
Protecting your personal assets is always a primary concern for your family. At
Sumner & Toner Insurance, our Sales Specialists will provide a choice of
personal lines programs for your Home, Auto, Valuable Items, Boats and Umbrella
policies. We will develop and customize an insurance plan to fit your
individual needs and budget. Sumner & Toner has been protecting individuals
and families since 1933!
Auto Insurance 5% Discount
A personal automobile insurance policy is not the same in every household.
Someone may drive a car or light truck, or maybe an RV or motorcycle and
possibly a high value vehicle. Drivers choose various liability limits and
deductibles depending on the type and use of their vehicles. Each year Auto
Insurance Premiums are set and established by the Commonwealth of
Massachusetts, Division of Insurance, allowing little if any flexibility or
rate relief. As a perk, the Mass Auto Insurance 5% discount is available on all
vehicles of Partners Healthcare Employees & Affiliates . Our
insurance specialists will evaluate your coverage and provide a choice of
insurance plans with through Plymouth Rock Assurance Company.
Protect yourself and your family
-
Liability Coverage – typically helps protect you for damages to others if
you’re at fault in a covered accident.
-
Medical Payments Coverage – typically helps provide payment for your reasonable
and necessary medical treatment for bodily injury caused by a covered accident.
-
Underinsured/Uninsured Motorists Coverage – typically helps protect you for
covered damage caused by drivers who don’t have auto insurance or don’t carry
enough auto insurance.
-
Personal Injury Protection – offers reimbursement for medical expenses and lost
wages not otherwise covered
Protect your car
-
Collision Coverage – typically helps pay to repair or replace your insured car
after a covered accident.
-
Comprehensive Coverage – typically helps pay for covered damages to your
insured car resulting from a peril other than a collision, such as theft,
windstorm or flood, to name a few
Procedures and Ways to Save on your Auto Insurance Premiums for Partners
HealthCare Employees and Affiliates
-
Supply a copy of your Personal Auto Selections Page 30 days Prior to your
Personal Auto Renewal
-
List of all drivers operating your vehicles
-
A Copy of your Massachusetts License is required
-
A Copy of your Employee Hospital Badge is required
-
Review coverage limits on both the Compulsory and Optional Coverage
-
Re-Evaluate your risk to deductibles for Collision and Comprehensive
-
Take advantage of multi car or low mileage discounts if available
-
Place your auto with your Homeowners carrier to maximize account credits
-
There are anti-theft credits and air bag discounts available
-
Avoid billing charges. Set up deductions on an Electronic Transfer of Funds
basis
Contact us today for more
information about an Auto Insurance quote
Homeowners Insurance
As a Partners Healthcare Program Employee or Affiliate, you can save 17% off
your Homeowners Insurance when combined with an in-force Massachusetts Auto
Policy with Plymouth Rock Assurance Company. Your biggest asset may be your
ability to earn an income but typically your biggest investment is your home. A
comprehensive homeowners policy with one of our Insurers will provide coverage
in the event your home is damaged or destroyed by a covered peril. And, since
the value of real estate property frequently increases over time, the owner's
financial interest in the property also may increase. An annual review is
advised.
Along with its investment value, home ownership carries with it the potential
exposure to financial loss from unpredictable events such as: fire, windstorm
damages, theft of personal property, and lawsuits from an injured person.
Protection against these unforeseen losses is available by purchasing a
correctly designed homeowners policy. Our experienced insurance professionals
will analyze all loss exposures that may pose a threat to your property and
provide a personal and professional protection summary.
Procedures and Ways to Save on your Home Insurance Premiums!
You must have a Plymouth Rock Massachusetts Auto policy in force to receive the
17% account credit off your Massachusetts Homeowners policy.
A copy of your Declaration Page for your current homeowners policy must be
relieved 30 days prior to your renewal.
Purchasing a Homeowners policy from Plymouth Rock’s homeowners wholly-owned
sister company, Bunker Hill, is subject to company underwriting guidelines.
Review all limits and deductibles with a Sumner & Toner Specialist.
Features to review on your homeowners’ policy:
-
The replacement cost value of your home
-
Guaranteed replacement cost clauses for both your house and personal property
-
Other Structures on premises such as garages, outbuildings, swimming pools
-
Personal Belongings – the contents of your home
-
Additional Living Expenses
-
Comprehensive Personal Liability
-
Scheduled Items – Jewels, Fine Arts, Antiques, Valuable Items
-
Plymouth Rock auto-home account credits - substantial savings!
-
Earthquake as an endorsement
-
Flood as an endorsement
Tenant or Renters Insurance
Individuals who do not own their own home may live in an apartment,
condominium or house and pay rent to the owner of the dwelling. These
individuals need protection for their personal property, loss of use, personal
liability, and medical payments. Also, the tenant may have an interest in
improvements that they had made to the rental unit.
An account credit is available on a Tenants policy if it is accompanied by a
Personal Massachusetts Auto policy.
Condominium Insurance
The condominium is a joint enterprise type of ownership in which there
is a common ownership of certain portions of the premises. The individual also
has exclusive ownership of the right to occupy a specific unit, and sometimes
also individually owns certain items of physical property within the unit. The
ownership deed for a condominium, usually called a master deed sets forth the
exact provisions of ownership and rights of occupancy of all the unit owners.
An account credit is available on a Tenants and Condo policy if it is
accompanied by a Personal Massachusetts Auto policy
Contact Bud Sumner Directly today
for more information about a Homeowners quote and available discounts!
Umbrella or Excess Liability Policies
No one ever expects to be faced with a million-dollar lawsuit, but it
happens. A Personal Umbrella Endorsement offers you and your family additional
liability protection over the basic coverage provided by your automobile,
homeowners or boat policy. $1 million to $5 million limits are available.
Discounts are not available on an Umbrella or Excess Liability policy.
Boats, Valuable Items and Other Special Items!
No matter what the type of property or risk, here at Sumner & Toner, we
will try to find the most comprehensive insurance policy to fit your need.
Boats, Jewelry, Furs, Fine Arts, Silver and other types of high valued property
can be insured separately for a specific limit. An endorsement to the basic
Homeowner, Tenant and Condominium policy provides broader coverage and
eliminates the deductible.
Please contact one of our Specialists, at either location, and we can discuss
the type of property you need to insure even if it is your favorite set of Golf
Clubs, Jewelry or Figurine.
Discounts are not available on a Boat, Valuable Items or Other Specialty Items.
|
|