Our Carriers

Perks and benefits

• Manufactured and mobile home coverage: policies built specifically for manufactured, modular, and mobile homes, including older models.
• Specialty dwelling coverage: options for seasonal, secondary, vacant, and rental properties standard carriers may decline.
• Watercraft coverage: policies for boats and personal watercraft with options suited to how you use them.
• Agreed value options: available on eligible specialty property so you know what a covered total loss will pay.
• Flexible payment plans: billing options to fit different budgets.

Perks and benefits

• SR-22 filings: fast filing to help you meet state financial responsibility requirements and get back on the road.
• Motorcycle coverage: policies built for street bikes and cruisers, with options for custom parts and equipment.
• Flexible payments: a range of low down-payment and installment options.
• Coverage for many driver profiles: a good market for drivers who have had tickets, accidents, or a lapse in coverage.
• Round-the-clock claims: report a claim any time, day or night.

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Perks and benefits

• Diminishing Deductible: takes $100 off your comprehensive or collision deductible for each consecutive claim-free year, up to the cap on your policy form.
• Diminishing Deductible on motorcycle, motorhome, and travel trailer policies: a percentage off your deductible for each consecutive claim-free year.
• Full Glass Coverage: covers windshield, door, and light glass with no deductible on motorhomes (requires Other Than Collision coverage).
• Pet Protection Coverage: an optional add-on for injuries to a dog or cat from a covered loss in a motorhome or at a campsite.
• TraveLine Roadside Assistance: 24/7 towing and roadside service built for specialized vehicles like motorcycles and RVs.
• Home Devices Discount: savings when your home has qualifying fire, theft, or self-monitoring devices.
• Safe and Preferred Driver Discounts: credits for drivers who stay accident and violation free for 3 to 5 years.
• Accident Prevention Course Discount: a premium reduction for drivers 55 or older who complete an approved course, as required in Washington and Oregon.

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Perks and benefits

• The Single Limit earthquake policy applies one combined limit and one deductible across all coverages, and includes demand surge (the increased cost of repairs after a quake).
• Claims can be reported 24/7 through myGeoSource using a policy number and property zip code, with no account required.

Perks and benefits

• Guaranteed Value coverage: Hagerty's name for agreed value. You and Hagerty set your vehicle's value up front, so a covered total loss pays the agreed amount with no surprise depreciation.
• Specialized collector rates: pricing designed for vehicles driven occasionally and stored with care, often far lower than a standard auto policy.
• Flexibility for enthusiasts: coverage options for classics, hot rods, motorcycles, and other collectible vehicles.
• Hagerty Drivers Club: membership benefits including roadside service built for collector vehicles, a magazine, and valuation tools.
• Expert claims handling: claims specialists who understand collector vehicles and quality repairs.

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Perks and benefits

• Need a certificate of insurance? Request it through our Policy Service Center and we will issue it.
• Policy changes, document requests and claim reporting are all handled without creating an account.

Perks and benefits

• RightTrack: a usage-based program personalizing your rate based on how you actually drive.
• Claims-Free Cash Back: up to 5% of your annual premium back per year on 12-month Superior or Ultra policies when you stay claim free.
• New Vehicle Replacement: if your new car is a total loss within the first 365 days, Liberty Mutual pays for a brand-new one of the same make and model (original owner).
• Better Car Replacement: on a total loss, pays for a vehicle one model year newer with fewer miles (optional coverage).
• Pet Insurance: standalone, customizable health coverage for cats and dogs.
• Safety Rewards: bundles Accident Forgiveness, Diminishing Deductibles, and accident and violation free discounts.
• Emergency Assistance Package: roadside assistance, emergency expenses like lodging and meals, and coverage for personal items in your car.
• Teen Safety Rewards: good student and driver training discounts for young drivers.

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Perks and benefits

• Mutual of Enumclaw Perks: a member discount app with deals on dining, travel, and entertainment. Ask us about availability in your state.
• teenSMART: a discount for listed household drivers up to age 21 who complete the teenSMART accident prevention program.
• Loyalty Discount: applied automatically at each annual anniversary of your policy.
• Pet Injury Benefit: coverage for injuries to your pet in a covered loss (included in the Member's Best package).
• Single Deductible: if one event damages both your home and auto, only the higher deductible applies and the other is waived (both must be insured with Mutual of Enumclaw).
• Identity Fraud Expense: help with the cost of restoring your identity after fraud (included in the Member's Best package).

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Perks and benefits

• Broad auto appetite: options for a wide range of driver profiles, including drivers who have had a lapse in prior coverage.
• RV and motorhome coverage: specialized options for motorized and towable recreational vehicles.
• Flexible payment plans: a range of billing options to fit different budgets.
• Bundling options: savings when you combine eligible policies.
• 24/7 claims service: report and track a claim any time.

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Perks and benefits

• SmartRide: a usage-based program able to earn a participation discount to start and a larger discount based on safe driving habits.
• SmartMiles: a flexible pay-per-mile auto option for people who drive less than average.
• Vanishing Deductible: earn credit toward your deductible for each year of safe driving, reducing what you pay out of pocket after a claim.
• On Your Side Review: a periodic personal insurance checkup to make sure your coverage still fits your life.
• Brand New Belongings: replacement cost coverage for covered personal property on eligible home policies.
• Multi-policy discounts: savings when you combine auto with home, life, or other Nationwide policies.

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Perks and benefits

• PEMCODOMETER My Driving Discount: a usage-based program in the Go PEMCO app, measuring your driving over 91 days for a personalized discount.
• Educator Discount: a meaningful discount for K-12 and higher-education employees, including instructional, administrative, and classified staff.
• Accident and Minor Ticket Forgiveness: for qualifying drivers, your first at-fault accident or minor ticket is forgiven after a benefit period.
• Low Mileage Discount: for vehicles driven less than 8,000 miles a year.
• Protection Device Discount: credits for home protection such as monitored fire and theft alarms, water leak sensors, and automatic gas shut-offs.
• Mariner Plus Discount: a bundling discount when you carry a PEMCO auto or home policy plus a boat policy (Washington and Oregon).

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Perks and benefits

• Management and professional liability policyholders can use the Best Practice Help Line, where attorneys from The McCalmon Group consult on matters with the potential to become a claim.
• Auto glass claims are handled by Safelite Solutions, Philadelphia's nationwide glass claim partner.

Perks and benefits

• Snapshot: a usage-based program with an instant participation discount, guaranteed for your first term, and a personalized renewal rate.
• Deductible Savings Bank: earn $50 for every 6 months, or $100 for 12 months, of claim-free driving to offset future deductibles (requires Collision coverage).
• Loyalty Benefits: a tiered program from Silver to Crown with perks like Small Accident Forgiveness and a Lifetime Renewal Guarantee.
• Sign and Glide: on-water towing dispatched right to your boat with no out-of-pocket cost (boat and personal watercraft policies).
• Pet Injury Coverage: up to $1,000 in vet fees if a pet is hurt in a covered collision or comprehensive loss.
• Propulsion Plus: coverage for mechanical breakdown of outboard or inboard/outboard motors, including normal wear and tear.

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Perks and benefits

• Red Shield writes niche classes many standard markets decline, including convenience stores, specialty contractors, food carts and mobile home parks.
• Yacht Shield and floating property are written in house, with a separate yacht agent locator.

Perks and benefits

• IntelliDrive and IntelliDrive 365: a smartphone telematics program measuring driving habits like braking and phone use to adjust your renewal rate.
• Premier Responsible Driver Plan: an optional package bundling Accident Forgiveness, Minor Violation Forgiveness, Decreasing Deductibles, and a Total Loss Deductible Waiver.
• Premier Roadside Assistance: a high-tier package with 24/7 towing, trip interruption, and coverage for personal property in your car.
• Affinity Discount: one of the largest affinity programs anywhere, with discounts for employees of thousands of partner companies and members of many associations (Washington and Oregon).
• Boat coverage options: mechanical breakdown coverage for your motor and TravAssist Boatside Premier on-water towing and assistance, where available.

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