Q&A Library

• Location: Where your home is located can affect your insurance costs. For example, is your home close to the ocean? Your rate may be higher. Is it near a fire station? Your rate may be lower.
• Protective devices: Your premium could be lower if your home has a protective device, such as a burglar alarm system or fire alarm system that is monitored at a central station.
• Features: Your home's type, year of construction and roofing could all affect your insurance costs. For example, your insurance costs could be lower if your home has certain windstorm mitigation features.

Assignment of Benefits (AOB) is a contract between an insured (policyholder) and a contractor (such as a plumber, water remediation company, roofer, etc.) when a claim occurs that gives the contractor control of your claims benefits. The homeowner often unknowingly signs a form that includes an Assignment of Benefits agreement. These forms may allow the contractor to collect your claim settlement funds directly from your insurance company. This results in the homeowner losing control of their claim and it could mean having to pay amounts beyond what is covered in their policy. The contractor could even place a lien on the home which could be enforced by foreclosure. Learn more about Assignment of Benefits abuse here. In the event you have a claim, always call People’s Trust first. 

We offer several convenient payment options. You can pay online anytime at MyPTI.com or over the telephone, with either a bank draft or credit/debit card. You can also mail us a check. You can take advantage of our variety of payment plans: Full payment, a two-payment plan or a quarterly-payment plan.

Our installment plan options, approved by the Florida Office of Insurance Regulation, include an annual $10 service charge and an additional $3 for each installment, including the down payment. For example, if you selected our quarterly plan, the total installment fee would be $22 ($10 for the service charge for the first payment, plus $3.00 for the first payment and three additional installment fees of $3 each).

Yes, view your policy or make payments anytime at MyPTI.com.

Yes, to pay online you must sign up for an account through MyPTI.com.  There is no additional fee for paying online. 

We accept MasterCard, VISA and Discover.

To provide you with the most accurate quote, please have these items available when you speak to a People’s Trust Representative:

• Your current homeowner’s policy documents, including your Declarations Page
• Completed reports if you have had a windstorm inspection conducted within the past 5 years

An assignment of benefits (AOB) is a legal tool that allows a third party to be paid for services performed for an insured homeowner who would normally be reimbursed by the insurance company directly after making a claim.

Learn more about Assignment of Benefits and how it results in increased insurance premiums, increased claims resolution time frames and increased litigation.