Smart Score
76
Industry Average: 7.9
Industry Average: 7.9
Industry Average: 7.6
SECURA Insurance, based in Wisconsin, has been providing insurance since 1900. Founded at the turn of the century in response to a devastating cyclone, Secura Insurance today is a regional property and casualty insurer covering 12 states. They cover individuals, businesses, farms, and specialty needs. It offers its coverage through independent agents and gives many policy options and discounts. For example, if you are looking for car and home coverage bundle, MILE-STONE program might be an attractive option.
Lines of Business:
When it comes to their home, everyone has a different situation and differing needs for protection. While every home insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Secura
Available Option | What it means | |
---|---|---|
Additional Insured | The additional insured endorsement extends the liability portion (Coverage E) of your homeowner policy to others living in the home who are not related by blood, marriage, or adoption. It can also apply to those not living with you but who have partial ownership of the property. For example, if your girlfriend's dog bites someone and she gets sued, this endorsement would allow her to make a claim on your policy to cover the costs. | |
Assisted Living | Generally, this endorsement just extends coverage to personal property that a family member has in an assisted living facility. Some insurers also reimburse a portion of the additional living expenses if your loved one is temporarily displaced. | |
Business Pursuits | Standard liability coverage protects you and your family against bodily injury or property damage claims made by others. However, this coverage extends only to your personal liability, not your business liability. This endorsement removes that exclusion, thereby providing coverage for harm resulting from business pursuits. Some businesses may not be eligible for this endorsement, depending on the state and insurer. | |
Child Care Liability | This niche endorsement offers some protection from potential lawsuits and damages for those that operate daycares from home. They cover liability (bodily injury and property damage claims from others). Some policies also cover damages to your personal property. Certain states may also require separate daycare insurance. | |
Computer | Like Scheduled Property, this endorsement provides additional coverage for households with expensive (or multiple) computers. A standard policy will provide some protection, but this extends it. Keep in mind; this is not a warranty. If a laptop simply malfunctions, coverage likely won't apply with most insurers. External damage from risks like fire, theft, and lightning surges are more what it covers. | |
Debris Removal | While many homeowners insurance policies cover some amount of debris removal after a covered loss, they tend to limit how much they will pay. This endorsement raises those limits on the standard policy. For insurers who don't offer debris removal by default, this endorsement enables such coverage. | |
Electronic Data Recovery | This endorsement covers the cost of recovering lost personal computer data caused by a loss. |
How does Secura compare to other insurance companies? Click the following links below to compare Secura to other top insurance companies.