People's Trust Homeowners Insurance

FSR for People's Trust Insurance Company

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We Make Privacy a Priority

People's Trust Insurance Company and its affiliates ("People's Trust") appreciate the opportunity to meet your homeowners insurance needs. In doing so, we will obtain and develop personal information about you. We consider this information to be confidential, and we have procedures to protect this information against unlawful use and disclosure.

We will disclose your personal information only as necessary to process your requests for insurance, to provide services to you as a policyholder or claimant, and as otherwise allowed or required by law. This Privacy Policy describes how we obtain and use information about you, and how we protect that information. This statement applies to our affiliates identified below and applies both to current and former customers.

Personal Information We Collect

We obtain personal information about you from several sources in connection with underwriting, processing, and servicing insurance transactions. In many instances, we obtain our information directly from you. This might include information you submit as part of your insurance application or as part of other interactions you have with us. In these instances, we may learn personal information such as your name, address, telephone number, e-mail address, passwords or other identifiers, existing or requested coverages, claims history, insurance risk characteristics, and similar information.

We also will learn information about you during the course of your policyholder relationship with us. For example, we might learn information about your current or past coverages and related information, your premium levels, your payment information and history, your claims history, and other information. We also will learn information such as your requests to add or delete coverages or your personal contact information. Finally, we might receive information from outside vendors that furnish us with information relating to your eligibility for insurance, your existing or prospective policy, and your claims. These vendors may include consumer reporting agencies, home inspection companies, claims adjusting firms, statistical or reporting bureaus, or other sources.

If you visit an Internet site that we maintain, we might obtain information about you that will enable us to identify you as an user, including your name, user name, password, and password reminders. We will obtain information about your web browser, IP address, operating system and similar information to improve the performance and operation of our site. We also may collect information about your visit, including the web pages you view, the links you choose, and other actions taken on the site. Our website may use small text files, known as "cookies," placed on your hard drive to help personalize your online experience. Cookies contain information that can later be read by a web server in the domain that issued the cookie to you. Cookies store your preferences and can save you time by eliminating the need to repeatedly enter the same information when you visit our website. You may have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you usually can modify your browser setting to decline cookies. If you choose to decline cookies, you might not be able to use certain features of our website, or you might have to re-enter certain information in order to do so.

Our Use of Your Personal Information

We use personal information to offer and provide our services, communicate with you and carry out transactions you have requested, and enhance our customer service and operations. We do not share the information we collect with other parties, except our affiliates, nonaffiliated parties performing services for us by contract, and as otherwise permitted by law. We may share information among members of our corporate group in order to provide you with access to products and services the group may offer from time to time and to improve our service to you. The information we share among affiliates is limited to information about your transactions and experiences with us and to information that we otherwise are permitted to disclose by law.

When we provide information to parties performing contractual services for us, we require those parties to preserve the confidentiality of your personal information. As indicated above, we also might share information that we obtain about you with nonaffiliated parties as allowed or required by law. This means that we will share information with parties as necessary to effect, administer, or enforce transactions that you request. For example, we might provide information about you and your policy to a company that prints and mails our insurance policies or to a company that adjusts any claims you may have. We also are permitted or required to share information with certain other parties listed in federal law and state rules, such as insurance advisory organizations, our attorneys and accountants, consumer reporting agencies, and civil and regulatory authorities.

How We Protect Your Personal Information

We maintain physical, electronic, and procedural safeguards to ensure the confidentiality of the personal information we obtain about you. We restrict access to your personal information to those persons who need to know that information to provide services to you.

This summary of our practices is furnished for your information. No action is required by you upon receipt of this notice.

This notice describes the practices and procedures of People's Trust Insurance Company and its affiliates People's Trust Holdings, LLC, and People's Trust MGA, LLC.

If you have any questions, please contact us here.

Reinsurance	close x
People's Trust has a comprehensive and substantial reinsurance program. The program has been designed to protect People's Trust policyholder surplus in the event of a major catastrophe. People's Trust has placed catastrophe excess of loss reinsurance up to the 100 year modeled return period for its entire portfolio of insureds