Call Us CALL US TODAY | 760.893.8055
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Recreational Vehicle Insurance MOTORCYCLE & RV

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Umbrella Insurance UMBRELLA

Different umbrella coverage options that fit your specific needs.

Read More
Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More

Mercury Insurance is now using FireLine

It’s always exciting when the insurance company in which you place the most business with opens up their homeowner’s insurance program to allow even more clients!

            Mercury Insurance is now using the FireLine Risk Evaluation Tool when assessing the potential risk of a wildfire striking your home. In the past, Mercury would not accept any risk where the home was within 2000 feet of brush but this had the effect of turning away some perfectly good homeowner’s risks. With FireLine, Mercury is using technology and science to determine whether a home risk is acceptable or not.

            So how does FireLine work? It uses three key elements to determine a FireLine score; fuel, slope, and access.

·        Fuel – Grass, trees, or dense brush feed a wildfire. That’s why some companies insist that trees get trimmed so they aren’t touching the house. Certain trees such as eucalyptus trees are like pouring gasoline onto a fire.

·        Slope – The FireLine tool measures slope surrounding a home. Steep slopes can intensify a wildfireMercury Insurance Logo. Generally, fire travels up a slope much faster than down a slope.

·        Access – This is simply a review of the access roads to your home. Limited access and dead-end roads can impede firefighting equipment.

Using a scientific approach, Mercury Insurance now accepts more property risks that were turned away in the past. Why are they doing this? They want more quality property business and they want to write more auto and home packages.

We’ve added the American Strategic Insurance Company (ASI)

            ASI has teamed up with the Progressive Insurance Company. In California, Progressive has historically accepted hard to place auto risks due to the type of vehicle or the driver’s driving record. They are in the process of amending their auto program to be able to capture preferred good driver risks as well. But, to do this effectively, they really needed a strong, well-known homeowner’s product to offer to consumers as well.

        American Strategic Insurance Logo    We can write a standalone ASI homeowner’s policy as well as packaging the home and auto to generate a multi-policy discount. Progressive chose ASI to team up with because they are able to provide customer service, technology, and claims service that Progressive customers have gotten used to over the years.

            Since we just received the ASI appointment, we haven’t had a chance to write a lot of business with them yet so I cannot pass along an assessment of the program but I’m confident that a program that passed muster with Progressive should be of a like quality and benefit many.

            It’s an exciting time at Ken May Insurance Services because of these changes. We’ve found that many homeowners’ risks that did not qualify for Mercury are now acceptable. Adding ASI, Mercury Insurance wanting to write more homeowner’s insurance, and having our other fine auto and property products at our disposal is like having Christmas in September.

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013

View Mobile Version
© Copyright. All rights reserved.
Powered by Insurance Website Builder