Personal Lines - Western National Insurance

Personal Lines

Whatever your personal insurance needs, whether auto, home, or miscellaneous coverages, Western National can tailor a policy for you. Talk to the agent nearest you to discover how we can help.

Personal Auto Insurance
Homeowner's/Renter's Insurance
Other Personal Insurance
Tips and Resources
Questions? Ask us

Personal Auto Insurance

Personal Auto - Designed for the preferred driver, our policy offers very competitive rates. To qualify, each member of the household must be accident and violation free for the prior five (5) year period. A unique feature of our Personal Auto Policy is that we do not surcharge for accidents or violations.

Recreational Vehicles - We can write a motor home or camping trailer on your automobile policy.

COVERAGES

Coverages for automobile insurance vary by the limits and requirements of individual states. The following should be considered as general information. Specific information as to "required" and "optional" coverages should be discussed with your agent.

Bodily Injury Liability

Property Damage Liability

Personal Injury Protection (No Fault)

Medical Payments

Uninsured and Underinsured Motorists

Collision Coverage

Comprehensive Coverage (OTC)

Rental Reimbursement (transportation expenses)

Towing & Labor

Other optional coverages

    Full glass coverage
    Audio, visual and data electronic equipment
    Auto loan/lease coverage
    Auto death benefits and disability coverage

AVAILABLE DISCOUNTS AND CREDITS

There are many ways to tailor your automobile insurance coverage to lower your costs. Some discounts may not be available in all states.

Defensive Driver Credit - up to a 10% credit to all coverages for drivers age 55 and over that pass a certified Defensive Driving Course.

Good Student Discount - up to a 25% discount on most coverages for youthful driver classifications when the full time student maintains a "B" average in school.

Multi Car Discount - up to a 35% discount for each car for policies covering two (2) or more cars.

Work Loss Discount - a 10% discount on No Fault coverage available to drivers age 65 (in MN) and over that have no exposure to work loss coverage.

Anti-Theft Credit - a 5% credit to the Comprehensive Coverage for vehicles equipped with a self locking alarm system.

Common Loss Deductible - Limits the deductible from a common loss to two (2) or more policies insured with Western National to only the single highest deductible applicable.

Deductible options - for both Comprehensive and Collision Coverages. The higher the deductible, the larger the credit.

Homeowner's/Renter's Insurance

Preferred Homeowners - Designed for new and updated homes less than 30 years old in protected locations - within five road miles of a responding fire department and within 1,000 feet of a fire hydrant.

Standard Homeowners - A policy for excellent homes in excess of 30 years old or located in partially protected, or unprotected locations.

Condominium/Townhouse Owners - Homeowner coverage for those residing in condominiums that can be tailored to cover their unique exposures.

Tenant Owners - Homeowner coverage for those renting homes or residing in apartments.

Seasonal Homeowners - Homeowner coverage for seasonal homes� (i.e. cabins). Western National must also insure the primary location.

Scheduled Items - Many items have unique values and exposures that may need to be scheduled. Items such as jewelry, furs, collectibles, musical instruments, etc. may be insured for specific values and covered for additional perils separate from the basic Homeowner Policy. Consult your agent when making this very important decision.

COVERAGES

Only the basic coverages are outlined here. Homeowner coverages vary by state and form and all coverages are subject to certain restrictions or limits. In addition, these coverages can be increased or decreased depending on your individual needs.�Discussing these options with your agent will get you the best coverage you need at the most affordable cost.

Coverage A - Principle structure

Coverage B - Additional structures

Coverage C - Personal property

Coverage D - Additional living expenses

Coverage L - Liability insurance

Coverage M - Medical payments insurance

Other coverages that may be optional or included (depending on form), are:

    Waterbed liability
    Boat owners coverage
    Snowmobile coverage
    Business property
    Computer coverage
    Credit card coverage
    Debris removal
    Earthquake
    Replacement cost contents
    Replacement cost - coverage A
    Fire department service charge
    Golf cart coverage
    Guns
    Jewelry, watches, furs
    Golf equipment
    Office, professional, private school
    or studio occupancy
    Personal injury
    Refrigerated food spoilage
    Water damage - sewers, drains and sumps

AVAILABLE DISCOUNTS AND CREDITS

There are many money-saving ways to tailor your homeowner policy. Here are some of the available discounts:

Protective devices - Credits are available for smoke detectors, local alarms, sprinkler systems, fire department/police department alarm, or central station alarms. These credits can range in savings anywhere from 2% to 8% of your premium.

Deductibles - The larger the deductible, the more the savings. Unlike most companies, Western National does not cap the amount of credit for deductible options. Optional higher deductibles of $500, $1,000, $2,500 & $5,000 also produce significant savings. Ask your agent to explain these options in more detail.

Common Loss Deductible - Limits the deductible from a common loss to two (2) or more policies insured with Western National to only the single highest deductible applicable.

Check out a .pdf version of a more in-depth comparison on our Western National Homeowner Coverage Comparison pages below.

Homeowner Coverage Comparison for Minnesota, South Dakota and Wisconsin
Homeowner Coverage Comparison for Washington
Homeowner Coverage Comparison for Oregon
Homeowner Coverage Comparison for Nevada & Utah

Other Personal Insurance

Consult with your agent when applying for these programs to fit your individual insurance needs.

Motorcycle/ATV Insurance - Our motorcyle/ATV program offers liability and physical damage coverages with optional credit for lay-up periods and loss free discounts. We must provide the automobile insurance to write this coverage.

Boat & Motor Insurance - Written with the Western National homeowner policy. This can provide liability coverage or physical damage coverage for powerboats, sailboats outboard motors or furnishings owned by the insured.

Snowmobile Insurance - Written with the homeowner policy. This coverage can provide either liability or physical damage coverage for a snowmobile.

Dwelling Property Insurance - If Western National insures your primary home, we can also insure dwellings that you own and rent to others.

Personal Umbrella Insurance - Provides an extra layer of liability coverage over that provided by your personal lines policies. Western National will provide this extra layer of protection only if you insure all of your other personal policies (auto & home) with us.

Tips and Resources

HOME LOSS PREVENTION CHECKLIST - Learn more about how you can take steps to protect your home and family. We offer this Loss Prevention Checklist courtesy of the Independent Agents & Brokers of America, Inc.

IDENTITY THEFT TIPS - Identity Theft is the criminal act of assuming another person's name, address, Social Security number (SSN), or birth date to commit fraud. According to the Federal Trade Commission (FTC), consumers reported losses from fraud of more than $400 million last year. People whose identities have been stolen can spend months or years - and their hard-earned money - cleaning up the mess thieves have made of their good name and credit record. In the meantime, victims may lose job opportunities, be refused loans, education, housing or cars, or even get arrested for crimes they didn't commit.

What Can You Do? While there is always a chance of becoming a victim of identity theft, you can make it harder for thieves to steal your identity.

Never give personal information over the telephone, such as: your social security number, date of birth, mother's maiden name, credit card number, bank PIN code unless you initiated the phone call. Protect this information and release it only when absolutely necessary.
Shred pre-approved credit applications, credit card receipts, bills, and other financial information you don't want before discarding them in the trash or recycling bin.
Empty your wallet of extra credit cards and Ids. To minimize the amount of information a thief can steal, do not carry extra credit cards, your Social Security card, birth certificate or passport in your wallet or purse, except when needed. At work, store your wallet in a safe place.
Cancel the cards you do not use and maintain a list of the ones you do. Keep a list or photocopy of all your credit cards, bank accounts, and investments -- the account numbers, expiration dates and telephone numbers of the customer service and fraud departments -- in a secure place (not your wallet or purse) so you can quickly contact these companies in case your credit cards have been stolen or accounts are being used fraudulently.
When ordering new checks, pick them up at the bank. Don't have them mailed to your home. Do not have your Social Security Number or driver's license number printed on your checks.
When you are away from home for an extended time, have your mail held at the Post Office, or ask a trusted neighbor to pick it up.
Order your credit report from the three major credit bureaus once a year to check for fraudulent activity or other discrepancies.

Equifax - www.equifax.com
To order your report, call: 800-685-1111 or write:
P.O. Box 740241, Atlanta, GA 30374-0241

To report fraud, call: 800-525-6285 and write:
P.O. Box 740241, Atlanta, GA 30374-0241
Hearing impaired call 1-800-255-0056 and ask the operator to call the
Auto Disclosure Line at 1-800-685-1111 to request a copy of your report.

Experian - www.experian.com
To order your report, call: 888-EXPERIAN (397-3742) or write:
P.O. Box 2002, Allen TX 75013

To report fraud, call: 888-EXPERIAN (397-3742) and write:
P.O. Box 9530, Allen TX 75013
TDD: 1-800-972-0322

Trans Union - www.transunion.com
To order your report, call: 800-888-4213 or write:
P.O. Box 1000, Chester, PA 19022

To report fraud, call: 800-680-7289 and write:
Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634
TDD: 1-877-553-7803

If You Become a Victim Contact the Fraud Departments of each of the three major credit bureaus. Tell them that you're an identity theft victim. Request that a "fraud alert" be placed in your file.

Close the accounts that you know or believe have been tampered with or opened fraudulently.
File a police report.
Call the FTC's Identity Theft Hotline toll-free at 1-877-ID-THEFT
Read about Identity Theft on the FTC website: www.consumer.gov/idtheft/

LIGHTNING SAFETY AWARENESS - Lightning kills more people in the U.S. than tornados or hurricanes. Protect yourself and those you love. Visit www.lightningsafety.noaa.gov

Questions? Ask Us. Find your agent on the Agent Locator Map.