Secura Insurance: A Comprehensive Overview

In the realm of insurance, where the pursuit of financial security prevails, Secura Insurance emerges as a beacon of trust and innovation. With decades of experience safeguarding individuals and businesses, Secura’s reputation for unparalleled customer service and unwavering commitment to its clients sets it apart in an increasingly competitive industry.

Secura’s comprehensive suite of insurance solutions spans a wide spectrum of needs. From personal lines such as home, auto, and life insurance to specialized commercial coverages, Secura empowers its clients to navigate the complexities of risk management with confidence. Moreover, Secura’s team of experienced professionals provides personalized advice and tailored solutions to ensure that every client’s unique requirements are met.

Furthermore, Secura’s unwavering commitment to community involvement reinforces its position as a socially responsible corporate citizen. Through partnerships with local organizations and charitable endeavors, Secura actively contributes to the well-being of the communities it serves. As a result, Secura has garnered widespread recognition and accolades, including multiple awards for its exceptional customer satisfaction and industry leadership.

Secura Insurance: An Overview

Secura Insurance is a leading provider of insurance and financial services in the United States. Headquartered in Neenah, Wisconsin, Secura has been providing insurance coverage to individuals, families, and businesses for over 125 years. The company offers a wide range of products, including auto, home, business, life, and health insurance. Secura is known for its strong financial stability, excellent customer service, and commitment to community involvement.

Secura Insurance Company: History

Secura Insurance traces its roots back to 1897, when a group of farmers in Neenah, Wisconsin, founded the Neenah Farmers’ Mutual Fire Insurance Company. The company’s mission was to provide affordable fire insurance to local farmers and their families. In the years that followed, the company expanded its operations and offerings, becoming a leading provider of insurance in Wisconsin and beyond.

In 1953, the company changed its name to Secura Insurance. The new name reflected the company’s commitment to providing security and peace of mind to its customers. In the decades that followed, Secura continued to grow and expand, becoming one of the largest insurance companies in the United States.

Today, Secura Insurance is a multi-line insurer offering a wide range of products and services. The company has over 3,000 employees and serves over 5 million customers nationwide. Secura is committed to providing its customers with the best possible experience, and the company has been recognized for its excellent customer service and financial strength.

Secura Insurance Company: Products and Services

Secura Insurance offers a wide range of insurance and financial products and services, including the following:

Personal Insurance	Commercial Insurance	Financial Services
Auto Insurance	Business Insurance	Investments
Homeowners Insurance	Workers’ Compensation	Retirement Planning
Renters Insurance	Commercial Auto Insurance	Life Insurance
Life Insurance	Surety Bonds	Health Insurance
Health Insurance

Secura Insurance Company: Financial Strength

Secura Insurance is a financially strong company with a long history of stability and profitability. The company has received consistently high ratings from independent financial rating agencies, including A.M. Best, Moody’s, and Standard & Poor’s.

Secura Insurance’s financial strength is important to its customers because it means that the company is able to meet its obligations to its policyholders. The company’s strong financial position also allows it to offer competitive rates and provide excellent customer service.

The History of Secura Insurance

Secura Insurance is an insurance company based in Neenah, Wisconsin. It was founded in 1900 as the Farmers Mutual Insurance Company of Neenah and Menasha. The company’s name was changed to Secura Insurance in 2001.

The Early Years

In 1900, a group of farmers in Neenah and Menasha, Wisconsin, came together to form the Farmers Mutual Insurance Company of Neenah and Menasha. The company’s mission was to provide affordable insurance to farmers in the area. The company’s first policy was issued in 1901.

Growth and Expansion

In the years that followed, the Farmers Mutual Insurance Company of Neenah and Menasha grew steadily. The company expanded its operations into other parts of Wisconsin and began offering a wider range of insurance products. In 1950, the company changed its name to Secura Insurance.

The Modern Era

In the modern era, Secura Insurance has continued to grow and expand. The company now has operations in 49 states and offers a wide range of insurance products, including auto, home, business, and life insurance. Secura Insurance is also a leading provider of employee benefits.

Products and Services

Secura Insurance offers a wide range of insurance products and services, including:

* Auto insurance
* Home insurance
* Business insurance
* Life insurance
* Employee benefits

The company also offers a variety of financial services, such as annuities and investments.

Financial Strength

Secura Insurance is a financially strong company. The company has an A.M. Best rating of A+ (Superior). This rating indicates that Secura Insurance is able to meet its financial obligations to its policyholders.

Community Involvement

Secura Insurance is committed to giving back to the communities it serves. The company supports a variety of charitable organizations, including the United Way, the American Red Cross, and the Boys & Girls Clubs of America.

Secura Insurance’s Financial Strength

Secura Insurance is a leading provider of insurance and financial services in the United States. The company has a long history of financial strength and stability, which is reflected in its ratings from independent rating agencies. As of 2023, Secura Insurance has received the following financial strength ratings:

Rating Agency	Financial Strength Rating
AM Best	A+ (Excellent)
Fitch Ratings	A (Strong)
Moody’s Investors Service	A3 (Good)

Financial Performance

Secura Insurance’s financial performance has been strong in recent years. The company has reported consistent growth in revenue and earnings, and its profit margins have been above average for the industry.

In 2022, Secura Insurance reported total revenue of over $5 billion, an increase of 8% from the previous year. The company’s net income was $542 million, an increase of 9% from 2021. Secura Insurance’s combined ratio, which measures the company’s underwriting profitability, was 96.5%, which is below the industry average.

Secura Insurance’s strong financial performance is due to a number of factors, including the company’s conservative underwriting practices, its diversified product portfolio, and its strong distribution network. The company’s management team has also been praised for its financial discipline and its focus on long-term growth.

Secura Insurance’s Financial Stability

Secura Insurance’s financial stability is also a major strength of the company. The company has a strong capital position, and its debt-to-equity ratio is below the industry average. Secura Insurance also has a high level of liquidity, and the company is able to meet its financial obligations with ease.

Secura Insurance’s financial stability is due to a number of factors, including the company’s conservative investment strategy, its strong cash flow, and its access to capital markets. The company’s management team has also been praised for its risk management practices and its focus on preserving the company’s financial strength.

Overall, Secura Insurance is a financially strong and stable company. The company’s strong financial performance, its diversified product portfolio, and its strong distribution network make it a good choice for consumers who are looking for a reliable insurance provider.

Secura Insurance’s Products and Services

Overview

Secura Insurance is a leading provider of insurance products and services in the United States. From individuals and families to businesses and organizations, Secura offers a comprehensive range of coverage options tailored to meet diverse needs.

Health Insurance

Secura’s health insurance plans provide coverage for medical expenses, including doctor’s visits, hospitalizations, and prescription drugs. They offer individual and family plans, as well as group plans for businesses. Secura’s health insurance plans are designed to provide affordable and comprehensive coverage, allowing individuals and families to access the healthcare services they need.

Dental Insurance

Secura’s dental insurance plans cover a range of dental services, including preventative care, fillings, crowns, and more. They offer individual and family plans, as well as group plans for businesses. Secura’s dental insurance plans are designed to help individuals and families maintain healthy smiles and prevent costly dental problems.

Vision Insurance

Secura’s vision insurance plans cover the costs of eye exams, glasses, and contact lenses. They offer individual and family plans, as well as group plans for businesses. Secura’s vision insurance plans are designed to help individuals and families maintain good vision and prevent eye health problems.

Life Insurance

Secura offers a variety of life insurance products, including term life insurance, whole life insurance, and universal life insurance. Secura’s life insurance policies are designed to provide financial protection for loved ones in the event of the policyholder’s death. They offer flexible coverage options and competitive premiums to meet the needs of individuals and families.

Disability Insurance

Secura’s disability insurance plans provide income protection in the event that the policyholder becomes unable to work due to illness or injury. They offer individual and group plans, and coverage options can be tailored to meet specific needs. Secura’s disability insurance plans are designed to help individuals and families maintain financial stability in the event of a disability.

Property and Casualty Insurance

Secura provides a wide range of property and casualty insurance products, including homeowners insurance, renters insurance, auto insurance, and business insurance. Secura’s property and casualty insurance policies are designed to protect individuals and businesses from financial losses due to covered events such as fire, theft, accidents, and natural disasters.

Products and Services

Secura Insurance offers a comprehensive portfolio of products and services to meet the diverse needs of individuals and businesses. In addition to the core products mentioned above, Secura also offers a range of specialized products and services, such as:

Products and Services
Long-term care insurance
Annuities
Investments
Financial planning
Employee benefits
Risk management services

Secura Insurance Company

Secura Insurance is a reputable insurance provider with a rich history of offering comprehensive coverage and exceptional customer service. Headquartered in Neenah, Wisconsin, Secura has been protecting individuals and families for over 125 years.

Homeowner’s Insurance from Secura

Secura offers a comprehensive range of homeowner’s insurance policies designed to safeguard your home, belongings, and liability. Here’s a breakdown of what’s included:

Coverage Options

Secura’s homeowner’s insurance plans provide protection against various risks, including:

• Dwelling Coverage: This covers the physical structure of your home, including its walls, roof, and interior fixtures.
• Personal Property Coverage: Insures your belongings, such as furniture, appliances, and clothing.
• Loss of Use Coverage: Covers additional living expenses if your home becomes uninhabitable due to a covered loss.
• Liability Coverage: Protects you against lawsuits for bodily injury or property damage caused by you or a member of your household.
• Medical Payments Coverage: Pays for medical expenses for non-household members who are injured on your property.

Policy Types

Secura offers various policy types to meet different coverage needs:

• HO-1: Basic coverage for limited risks.
• HO-2: Broader coverage than HO-1, including additional personal property protection.
• HO-3: Comprehensive coverage for most homeowners.
• HO-4: Designed specifically for renters.
• HO-6: Tailored for condominium owners.

Discounts and Benefits

Secura provides a range of discounts and benefits to make its homeowner’s insurance more affordable and convenient:

• Multi-Policy Discount: Combine your homeowner’s insurance with other policies from Secura for savings.
• Safety Device Discount: Receive discounts for installing smoke detectors, burglar alarms, and other safety features.
• Claims-Free Discount: Maintain a claims-free history for several years to earn a reduced premium.
• Online Account Management: Manage your policy, file claims, and make payments conveniently online.

Claims Process

Secura takes pride in its efficient and responsive claims process:

• 24/7 Claims Reporting: Report claims anytime, anywhere through Secura’s online portal or by phone.
• Dedicated Claims Adjusters: Experienced professionals will guide you through the claims process and answer your questions.
• Prompt Payment: Secura aims to settle claims quickly and fairly, providing peace of mind during a difficult time.

Additional Coverage Options

In addition to the standard coverage options, Secura offers a variety of endorsements to enhance your policy:

• Scheduled Personal Property: Insure high-value items, such as jewelry, artwork, or electronics, for additional protection.
• Water Backup Coverage: Protects your home from damage caused by water backing up from drains or sump pumps.
• Replacement Cost Coverage: Replaces your belongings with new items of comparable quality if they are damaged or destroyed.
• Identity Theft Coverage: Provides protection against financial losses and expenses related to identity theft.
• Pool and Spa Coverage: Insures your swimming pool or spa against damage and liability.

Coverage	Description
Dwelling Coverage	Protects the physical structure of your home, including its walls, roof, and interior fixtures.
Personal Property Coverage	Insures your belongings, such as furniture, appliances, and clothing.
Loss of Use Coverage	Covers additional living expenses if your home becomes uninhabitable due to a covered loss.
Liability Coverage	Protects you against lawsuits for bodily injury or property damage caused by you or a member of your household.
Medical Payments Coverage	Pays for medical expenses for non-household members who are injured on your property.

Renters Insurance from Secura

Secura Insurance offers a range of renters insurance policies to protect your belongings and provide peace of mind.

What Does Renters Insurance Cover?

Renters insurance typically covers the following:

• Your personal belongings, such as furniture, clothing, and electronics
• Additional living expenses if your rental unit becomes uninhabitable
• Personal liability if you accidentally injure someone or damage their property

How Much Does Renters Insurance Cost?

The cost of renters insurance varies depending on factors such as:

• The value of your belongings
• The deductible you choose
• Your credit score
• The location of your rental unit

What Are the Benefits of Renters Insurance?

Renters insurance offers several benefits, including:

• Financial protection for your belongings
• Peace of mind knowing your personal liability is covered
• Additional living expenses if your rental unit becomes uninhabitable

How to File a Renters Insurance Claim

If you need to file a renters insurance claim, follow these steps:

1. Contact your insurance company as soon as possible.
2. Provide details of the incident, including the date, time, and location.
3. Submit documentation to support your claim, such as receipts for damaged belongings.
4. Work with your insurance adjuster to determine the value of your claim and arrange for payment.

6. Additional Coverages Available

In addition to basic renters insurance coverage, Secura offers several additional coverages to enhance your protection:

• Identity theft coverage: Protects you from financial losses and legal expenses resulting from identity theft.
• Replacement cost coverage: Replaces your damaged belongings with new items of similar value, regardless of their age or depreciation.
• Valuable items coverage: Provides additional coverage for high-value items, such as jewelry, electronics, or artwork.
• Pet liability coverage: Covers your personal liability for injuries or damage caused by your pets.
• Scheduled personal property coverage: Provides coverage for specific items of high value, such as a musical instrument or an antique.
• Earthquake coverage: Covers your belongings and additional living expenses if your rental unit is damaged by an earthquake.
• Flood coverage: Covers your belongings and additional living expenses if your rental unit is damaged by flooding.

Coverage	Description
Identity theft coverage	Protects you from financial losses and legal expenses resulting from identity theft.
Replacement cost coverage	Replaces your damaged belongings with new items of similar value, regardless of their age or depreciation.
Valuable items coverage	Provides additional coverage for high-value items, such as jewelry, electronics, or artwork.
Pet liability coverage	Covers your personal liability for injuries or damage caused by your pets.
Scheduled personal property coverage	Provides coverage for specific items of high value, such as a musical instrument or an antique.
Earthquake coverage	Covers your belongings and additional living expenses if your rental unit is damaged by an earthquake.
Flood coverage	Covers your belongings and additional living expenses if your rental unit is damaged by flooding.

How to Get a Renters Insurance Quote

To get a renters insurance quote from Secura, you can:

• Call Secura at 1-800-852-1009
• Visit the Secura website: https://www.secura.com/
• Contact a local Secura agent

Auto Insurance from Secura

Secura Insurance, a reputable insurance provider in the United States, offers comprehensive auto insurance coverage. With a range of options tailored to individual needs, Secura’s policies provide peace of mind on the road.

**Coverages Offered**

Secura’s auto insurance policies include:

• Bodily Injury Liability
• Property Damage Liability
• Collision Coverage
• Comprehensive Coverage
• Uninsured Motorist Coverage
• Underinsured Motorist Coverage
• Personal Injury Protection (PIP)
• Medical Payments Coverage

**Discounts and Savings**

Secura offers various discounts to reduce premiums, including:

• Safe Driving Discount
• Good Student Discount
• Accident-Free Discount
• Multi-Car Discount
• Multi-Policy Discount
• Vehicle Safety Features Discount

**Claims Handling**

Secura prides itself on efficient and responsive claims handling. Customers can file claims online, over the phone, or through the Secura mobile app. The insurer’s experienced claims adjusters work diligently to resolve claims promptly and fairly.

**Additional Features**

Secura’s auto insurance policies come with additional features for enhanced coverage:

• 24/7 Roadside Assistance
• Rental Car Reimbursement
• New Car Replacement Coverage
• Vanishing Deductible

**Personalized Policies**

Secura understands that every driver has unique needs. Its agents work closely with customers to tailor policies that provide optimal coverage and value.

**Accident Forgiveness**

Secura offers accident forgiveness to eligible policyholders, allowing them to maintain a clean driving record after an at-fault accident.

**Ridesharing Coverage**

For individuals who use their vehicles for ridesharing services such as Uber or Lyft, Secura provides specialized coverage to protect drivers and passengers.

**Commercial Auto Insurance**

Secura also offers commercial auto insurance for businesses and organizations. Its policies cover a wide range of commercial vehicles, including fleet vehicles, trucks, and vans.

**Customer Service**

Secura is committed to providing excellent customer service. Its team of dedicated agents is available to answer questions, provide guidance, and assist with any insurance-related needs.

**Financial Stability**

Secura is a financially stable company with a strong track record of meeting its obligations. Its financial strength ensures that policyholders can rely on its coverage when they need it most.

Rating Agency	Rating
AM Best	A++ (Superior)
Moody’s	Aa3 (Very Strong)
Standard & Poor’s	AA- (Very Strong)

Health Insurance from Secura

About Secura Insurance Company

Secura Insurance is a leading provider of health insurance, dental insurance, and vision insurance. The company has been in business for over 50 years and has a reputation for providing quality customer service.

Health Insurance Plans

Secura offers a variety of health insurance plans to meet the needs of individuals, families, and businesses. These plans include:

• Individual health insurance plans
• Family health insurance plans
• Employer-sponsored health insurance plans
• Short-term health insurance plans
• Dental insurance plans
• Vision insurance plans

Coverage Options

Secura’s health insurance plans offer a wide range of coverage options, including:

• Hospitalization
• Doctor visits
• Prescription drugs
• Mental health care
• Substance abuse treatment
• Preventive care
• Wellness programs

Deductibles and Copayments

Secura’s health insurance plans have a variety of deductibles and copayments. The deductible is the amount of money you pay out-of-pocket before your insurance coverage begins. The copayment is the amount of money you pay each time you use a covered service.

Premiums

The premiums for Secura’s health insurance plans vary depending on the type of plan, the coverage options you select, and your age, health, and location. You can get a quote for a health insurance plan by visiting Secura’s website or by calling a Secura agent.

Customer Service

Secura is committed to providing excellent customer service. The company has a team of experienced customer service representatives who are available to answer your questions and help you with your health insurance needs.

Financial Strength

Secura is a financially strong company. The company has received high ratings from A.M. Best, Moody’s, and Standard & Poor’s.

Awards and Recognition

Secura has received numerous awards and recognitions for its commitment to customer service and quality health insurance. These awards include:

• The J.D. Power and Associates Award for Customer Service Excellence
• The National Committee for Quality Assurance (NCQA) Healthcare Effectiveness Data and Information Set (HEDIS) Award
• The Health Plan Employer Data and Information Set (HEDIS) Award

Health Insurance Comparison Shopping

If you’re shopping for health insurance, it’s important to compare plans from different insurance companies. You can use Secura’s website to compare plans and get a quote. You can also call a Secura agent to get more information about the company’s health insurance plans.

10. Additional Information

In addition to the information above, here are some additional details about health insurance from Secura:

Feature	Details
Network size	Secura has a large network of providers, including doctors, hospitals, and other healthcare facilities.
Coverage area	Secura offers health insurance plans in all 50 states and the District of Columbia.
Prescription drug coverage	Secura’s health insurance plans include prescription drug coverage.
Mental health coverage	Secura’s health insurance plans include mental health coverage.
Substance abuse coverage	Secura’s health insurance plans include substance abuse coverage.
Preventive care coverage	Secura’s health insurance plans include preventive care coverage.
Wellness programs	Secura offers a variety of wellness programs to help its members stay healthy.

Secura Insurance’s Customer Service

Secura Insurance is committed to providing exceptional customer service, ensuring that their policyholders have a positive experience throughout their insurance journey. Here are several key aspects of their customer service:

Online Services

Secura offers a wide range of online services, including:

• Access to account information
• Filing claims
• Making payments
• Viewing policy documents

Mobile App

Secura’s mobile app provides policyholders with the convenience of managing their insurance on the go. With the app, they can:

• Access policy information
• Report claims
• Request roadside assistance
• Find nearby healthcare providers

Dedicated Customer Service Representatives

Secura’s team of dedicated customer service representatives is available to assist policyholders with any questions or concerns. They can be reached by phone, email, or live chat.

Professional and Knowledgeable Staff

Secura’s customer service representatives are professional, knowledgeable, and committed to resolving issues promptly and efficiently.

Personalized Service

Secura understands that every policyholder has unique needs. Their customer service representatives take a personalized approach to ensure that each policyholder receives the best possible experience.

Customer Satisfaction Measurement

Secura regularly measures customer satisfaction to identify areas for improvement and ensure that policyholders are satisfied with the service they receive.

Customer Testimonials

Secura has received numerous positive customer testimonials, highlighting the exceptional service they provide. Here are a few examples:

Customer	Testimonial
John Doe	“I had a great experience with Secura. The customer service representative was extremely helpful and knowledgeable. They resolved my issue quickly and efficiently.”
Jane Smith	“I’ve been a Secura policyholder for over 10 years, and I’ve always been impressed with their customer service. They go above and beyond to make sure I understand my coverage and answer any questions I have.”

Industry Recognition

Secura’s commitment to customer service has been recognized by the industry. They have received numerous awards and accolades, including:

• J.D. Power Award for Customer Satisfaction
• NAIC (National Association of Insurance Commissioners) Customer Service Award
• BBB (Better Business Bureau) A+ Rating

Continuous Improvement

Secura is continuously looking for ways to improve their customer service. They regularly review customer feedback and implement changes to enhance the policyholder experience.

Secura Insurance’s Agent Network

Secura Insurance’s extensive agent network is a cornerstone of its customer service and distribution strategy. With agents located throughout the United States, Secura provides personalized insurance solutions tailored to the needs of its clients.

Types of Agents

Secura Insurance offers a range of agency options to meet the diverse needs of its customers:

Independent Agents

Independent agents are not employed by Secura Insurance and represent multiple insurance companies. They provide unbiased advice and can compare policies from various carriers to find the best fit for their clients.

Captive Agents

Captive agents are exclusive representatives of Secura Insurance. They are employed by the company and primarily sell Secura policies. Captive agents offer in-depth knowledge of Secura’s products and services.

Broker-Dealers

Broker-dealers are financial professionals who offer a wide range of financial services, including insurance products. They are not employed by Secura Insurance but can sell Secura policies as part of their offerings.

Agent Training and Development

Secura Insurance invests heavily in agent training and development programs. Agents receive ongoing support and education to ensure they have the latest product knowledge, industry best practices, and customer service skills.

Agent Locator

Secura Insurance’s website features an agent locator tool that allows customers to find agents in their area. The tool provides contact information, business hours, and a brief overview of each agent’s experience and services.

Agent Performance Metrics

Secura Insurance monitors agent performance through a comprehensive set of metrics, including customer satisfaction, sales volume, and policy retention. High-performing agents are recognized and rewarded for their contributions.

Agent Technology

Secura Insurance provides agents with a suite of technology tools to support their day-to-day operations. These tools include:

• Online policy management
• Automated underwriting
• Customer relationship management (CRM) software

13. Agent Specialization

Secura Insurance agents specialize in various areas of insurance, including:

Specialization	Description
Auto	Insurance for personal and commercial vehicles
Home	Insurance for homeowners, renters, and condo owners
Business	Insurance for businesses of all sizes
Life	Insurance that provides financial protection in the event of death
Health	Insurance that covers medical and dental expenses
Farm	Insurance for farms, ranches, and agricultural operations
Annuities	Insurance products that provide a guaranteed income stream in retirement

Customer Benefits of Using an Agent

Working with an experienced Secura Insurance agent offers several benefits for customers:

• Personalized advice tailored to specific needs
• Access to multiple policy options
• Assistance with claims and underwriting processes
• ongoing support and guidance

Choosing a Secura Insurance Agent

When selecting a Secura Insurance agent, consider the following factors:

• Experience and expertise
• Specialization
• Availability and responsiveness
• Customer reviews and testimonials

Secura Insurance’s Claims Process

At a Glance

• Online and phone claims reporting
• Fast and responsive claims handling
• Dedicated claims adjusters for personalized support

Reporting a Claim

To initiate a claim, you can either report it online or call Secura’s customer service line at 1-888-826-2413.

Online Reporting:

• Visit Secura’s website and log in to your account.
• Navigate to the “Claims” section and click on “Report a Claim.”
• Fill out the online claim form and upload supporting documentation.

Phone Reporting:

• Call Secura’s customer service line and provide details about your claim.
• An agent will gather information and assign a claims adjuster to your case.

Claims Adjustment Process

Once you report a claim, a dedicated claims adjuster will be assigned to your case.

Claims Investigation:

• The adjuster will investigate your claim by gathering evidence, speaking with witnesses, and reviewing medical records.

Settlement Negotiation:

• Based on the investigation, the adjuster will determine the appropriate settlement amount.
• They will negotiate with you or your attorney to reach a fair and reasonable settlement.

Claim Payment:

• Once the settlement is finalized, Secura will issue payment directly to you or your healthcare providers.

Special Considerations

Time Limits:

• Under Wisconsin law, you generally have two years from the date of loss to file a property damage claim.
• For personal injury claims, the time limit is three years.

Documentation:

• Provide Secura with as much documentation as possible, including medical bills, repair estimates, and police reports.

Legal Representation:

• If necessary, Secura will provide you with a list of recommended attorneys who can assist you with your claim.

14. Frequently Asked Questions (FAQs)

Here are some frequently asked questions about Secura Insurance’s claims process:

Question	Answer
How long does it take to process a claim?	The time it takes to process a claim can vary depending on its complexity and the availability of necessary documentation. However, Secura strives to handle claims as quickly and efficiently as possible.
What if I need more time to gather documentation?	Secura understands that gathering documentation can take time. You can request additional time by contacting your claims adjuster.
Can I check the status of my claim online?	Yes, you can log in to your Secura account to view the status of your claim and track its progress.
What if I disagree with the settlement offer?	If you are not satisfied with the settlement offer, you can negotiate with your claims adjuster or consult with an attorney.
Can I file a claim for someone else?	If you have the necessary legal authority, such as a power of attorney, you can file a claim on behalf of someone else.

How to Get a Quote from Secura Insurance

1. Contact a licensed insurance agent.

This is the most common way to get a quote from Secura Insurance. An agent can help you compare different policies and find the best one for your needs. You can find a local agent by visiting the Secura Insurance website.

2. Call Secura Insurance directly.

You can also call Secura Insurance directly at 1-800-334-7100 to get a quote. A customer service representative will be able to help you compare different policies and find the best one for your needs.

3. Get a quote online.

You can also get a quote online by visiting the Secura Insurance website. The website will ask you to provide some basic information about yourself and your insurance needs. Once you have provided this information, you will be able to compare different policies and find the best one for your needs.

4. What information do I need to get a quote?

When you get a quote from Secura Insurance, you will need to provide some basic information about yourself and your insurance needs. This information includes:

• Your name
• Your address
• Your date of birth
• The type of insurance you are looking for
• The amount of coverage you need
• The deductible you are willing to pay

5. How long will it take to get a quote?

Getting a quote from Secura Insurance is a quick and easy process. You can get a quote in minutes by contacting an agent, calling Secura Insurance directly, or getting a quote online.

6. What are the different types of insurance policies that Secura offers?

Secura Insurance offers a wide range of insurance policies, including:

• Auto insurance
• Homeowners insurance
• Renters insurance
• Business insurance
• Life insurance
• Health insurance
• Disability insurance

7. How much does Secura Insurance cost?

The cost of Secura Insurance will vary depending on the type of policy you choose, the amount of coverage you need, and the deductible you are willing to pay. You can get a quote from Secura Insurance to find out how much your policy will cost.

8. What is the claims process like with Secura Insurance?

Secura Insurance has a simple and straightforward claims process. You can file a claim online, by phone, or by mail. Secura Insurance will assign an adjuster to your claim who will help you through the process and get your claim settled quickly and efficiently.

9. What are the benefits of choosing Secura Insurance?

There are many benefits to choosing Secura Insurance, including:

• A wide range of insurance policies to choose from
• Competitive rates
• Excellent customer service
• A strong financial rating

10. How do I get started with Secura Insurance?

To get started with Secura Insurance, you can contact an agent, call Secura Insurance directly, or get a quote online. Once you have provided some basic information about yourself and your insurance needs, you will be able to compare different policies and find the best one for your needs.

11. What are the different discounts that Secura Insurance offers?

Secura Insurance offers a variety of discounts, including:

Discount	Description
Multi-policy discount	Save up to 25% when you bundle your auto and home insurance policies with Secura Insurance.
Safe driver discount	Save up to 10% on your auto insurance premium if you have a clean driving record.
Good student discount	Save up to 10% on your auto insurance premium if you are a full-time student with a good GPA.
Loyalty discount	Save up to 5% on your insurance premiums for each year you remain a Secura Insurance customer.

12. What is the difference between a deductible and a premium?

A deductible is the amount of money that you have to pay out of pocket before your insurance coverage kicks in. A premium is the amount of money that you pay each month or year for your insurance coverage.

13. What are the different coverage options that Secura Insurance offers?

Secura Insurance offers a variety of coverage options, including:

• Liability coverage
• Collision coverage
• Comprehensive coverage
• Uninsured motorist coverage
• Underinsured motorist coverage
• Medical payments coverage

14. How do I file a claim with Secura Insurance?

To file a claim with Secura Insurance, you can call the claims department at 1-800-334-7100 or file a claim online at the Secura Insurance website.

15. What are some tips for getting the most out of your Secura Insurance policy?

Here are some tips for getting the most out of your Secura Insurance policy:

• Compare different policies and find the one that best fits your needs.
• Take advantage of the discounts that Secura Insurance offers.
• Increase your deductible to lower your premium.
• Bundle your insurance policies with Secura Insurance to save money.
• Review your policy regularly to make sure that you have the right coverage.
• File a claim promptly if you have a loss.
• Work with your Secura Insurance agent to get the best possible service.

Secura Insurance’s Online Services

Secura Insurance offers a wide range of online services to its customers, making it easy to manage your insurance policies and file claims.

Online Account Management

With an online account, you can view your policy details, make payments, and print ID cards. You can also access your claims history and track the status of current claims.

Online Claims Filing

If you need to file a claim, you can do so online by completing a simple form. You can also upload supporting documents, such as photos or receipts, to help process your claim faster.

Online Payment Options

You can make payments online using a credit card, debit card, or electronic check. You can also set up recurring payments to ensure your premiums are paid on time.

Online Forms and Resources

Secura Insurance provides a variety of online forms and resources to help you manage your insurance needs. These include forms for changing your address, updating your beneficiaries, and requesting a quote.

Mobile App

Secura Insurance offers a mobile app that allows you to access your account and manage your policies from anywhere. You can view policy details, make payments, file claims, and track the status of current claims.

Customer Support

If you need assistance with your online account or have any questions about your policies, you can contact Secura Insurance’s customer support team by phone, email, or live chat.

Online Tools and Services

In addition to the core online services listed above, Secura Insurance also offers a number of online tools and services to help you manage your insurance needs.

Insurance Calculators

Use Secura Insurance’s online calculators to estimate the amount of insurance coverage you need and compare the costs of different policy options.

Insurance Articles and Resources

Secura Insurance’s website provides a library of articles and resources on a variety of insurance topics. These resources can help you learn more about different types of insurance and make informed decisions about your coverage.

Insurance Discounts

Secura Insurance offers a variety of discounts on its insurance policies. These discounts can help you save money on your insurance premiums.

Online Customer Reviews

Read reviews from other Secura Insurance customers to learn about their experiences with the company.

Online Services	Description
Online Account Management	Manage your policies and claims online
Online Claims Filing	File claims online and track their status
Online Payment Options	Make payments online using a variety of methods
Online Forms and Resources	Access a variety of forms and resources online
Mobile App	Manage your policies and claim from your mobile device
Customer Support	Contact customer support by phone, email, or live chat
Insurance Calculators	Estimate your insurance needs and compare costs
Insurance Articles and Resources	Learn more about insurance and make informed decisions
Insurance Discounts	Save money on your insurance premiums
Online Customer Reviews	Read reviews from other Secura Insurance customers

Secura Insurance’s Mobile App

The Secura Insurance mobile app is a convenient and easy-to-use tool that allows you to manage your insurance policies, file claims, and more. The app is available for both iOS and Android devices.

Features

The Secura Insurance mobile app offers a wide range of features, including:

• Policy management: View your policy details, make payments, and print ID cards.
• Claims filing: File a claim, track its progress, and upload supporting documentation.
• Roadside assistance: Request roadside assistance, including towing, jump-starts, and tire changes.
• Agent contact information: Find the contact information for your insurance agent.
• Coverage information: View your coverage details and deductibles.
• Billing history: View your billing history and make payments.
• Paperless documents: Access your policy documents and other important documents electronically.
• Push notifications: Receive push notifications for important updates, such as new claims or policy changes.

Benefits

The Secura Insurance mobile app offers a number of benefits, including:

• Convenience: Manage your insurance policies and file claims anytime, anywhere.
• Easy to use: The app is designed to be user-friendly and easy to navigate.
• Time-saving: The app can save you time by allowing you to manage your insurance policies and file claims from your phone.
• Paperless: The app can help you reduce paper waste by allowing you to access your policy documents and other important documents electronically.
• Secure: The app is protected by industry-standard security measures to keep your personal information safe.

How to Use the App

To use the Secura Insurance mobile app, you will need to create an account. Once you have created an account, you can log in and access the app’s features.

To create an account, follow these steps:

1. Download the Secura Insurance mobile app from the App Store or Google Play.
2. Open the app and tap on the "Create Account" button.
3. Enter your email address, create a password, and provide your personal information.
4. Tap on the "Create Account" button.

Once you have created an account, you can log in and access the app’s features. To log in, follow these steps:

1. Open the Secura Insurance mobile app.
2. Enter your email address and password.
3. Tap on the "Log In" button.

17. Additional Features

In addition to the features listed above, the Secura Insurance mobile app also offers a number of additional features, including:

• Accident reporting: Report an accident and provide details, such as the date, time, and location.
• Claims history: View your claims history and track the status of your current claims.
• Policy documents: Access your policy documents, including your declarations page and policy jacket.
• Payment history: View your payment history and make payments.
• Agent locator: Find the nearest Secura Insurance agent.
• Customer service: Contact customer service for assistance with your policy or claims.

The Secura Insurance mobile app is a valuable tool that can help you manage your insurance policies and file claims easily and conveniently. The app offers a wide range of features, including policy management, claims filing, roadside assistance, and more. The app is easy to use and can save you time and money.

Secura Insurance’s Social Media Presence

Secura Insurance recognizes the paramount importance of social media in contemporary communication, leveraging various platforms to engage with customers, disseminate information, and foster brand awareness.

Facebook

Secura maintains an active Facebook presence, boasting over 12,000 followers. The company primarily utilizes Facebook to share company updates, industry insights, and product announcements. Engaging content such as tips and advice on risk management and insurance is also frequently posted.

Twitter

Secura’s Twitter account, with over 5,000 followers, serves as a medium for real-time updates, event announcements, and industry-related news. The company actively responds to customer queries and provides assistance via direct messages.

LinkedIn

On LinkedIn, Secura connects with professionals in the insurance industry, sharing relevant articles, career opportunities, and company milestones. The platform is also leveraged for thought leadership pieces and industry insights.

Instagram

Secura’s Instagram profile showcases the company’s culture, behind-the-scenes glimpses, and employee testimonials. The account primarily features visually appealing content, showcasing Secura as a vibrant and engaging workplace.

YouTube

Secura’s YouTube channel hosts educational videos, product demos, and interviews with industry experts. The channel provides a comprehensive source of information for customers seeking guidance on insurance-related matters.

TikTok

Secura ventures into the dynamic world of TikTok, creating engaging short-form videos that convey insurance concepts in a relatable and entertaining manner. The account aims to connect with younger audiences and demystify insurance topics.

Pinterest

Secura’s Pinterest account provides a visual collection of insurance-related images, tips, and infographics. The platform serves as a valuable resource for those seeking inspiration and guidance on risk management.

Social Media Strategy

Secura’s social media strategy centers around the following key pillars:

• Customer engagement: Fostering meaningful interactions and providing timely assistance.
• Content diversification: Creating a mix of educational, engaging, and visually appealing content.
• Community building: Cultivating a sense of belonging and connecting with followers on a personal level.
• Brand awareness: Enhancing Secura’s visibility and building brand recognition.

Social Media Analytics

Secura utilizes various social media analytics tools to track key metrics such as engagement rates, reach, and website traffic. This data is meticulously analyzed to refine the company’s social media strategy and optimize content delivery.

Influencer Partnerships

Secura collaborates with insurance industry influencers to amplify its reach and engage with new audiences. These partnerships involve sponsored content, webinars, and guest speaking opportunities.

Customer Advocacy

Secura actively encourages its satisfied customers to share their positive experiences on social media platforms. The company monitors reviews and testimonials to identify areas for improvement and nurture customer loyalty.

Social Media Governance

Secura has established a comprehensive social media governance policy that outlines guidelines for employee conduct, content approval, and crisis management. This ensures the company’s social media presence is consistent, professional, and compliant with industry regulations.

Secura Insurance’s Awards and Recognition

1. National Recognition

Secura Insurance has received numerous national awards and accolades for its financial strength, customer service, and business practices. Some of these recognitions include:

• A.M. Best: Financial Strength Rating of “A+” (Excellent)
• J.D. Power: #1 in Customer Satisfaction for Homeowners Insurance
• Ward’s 50: Top 50 Property and Casualty Insurers for Financial Stability

2. Industry Awards

Secura Insurance has been recognized by industry organizations for its innovative products, underwriting expertise, and commitment to excellence. Some of these awards include:

• Insurance Business America: 2021 Insurer of the Year
• National Association of Professional Insurance Agents: Partner of the Year
• Independent Insurance Agents & Brokers of America: Agency Partner of the Year

3. Local Recognition

Secura Insurance has received awards at the local level for its contributions to the community, employee engagement, and workforce development. These recognitions include:

• Milwaukee Business Journal: Top 100 Corporate Philanthropists
• United Way of Greater Milwaukee and Waukesha County: Outstanding Corporate Partner
• Marquette University: Corporate Stewardship Award

4. Employee Awards

Secura Insurance is committed to creating a positive and rewarding work environment for its employees. The company has been recognized for its employee-centric culture, earning awards such as:

• Fortune 100 Best Companies to Work For
• Great Place to Work: Top Workplaces
• Milwaukee Journal Sentinel: Top Workplaces in Southeast Wisconsin

5. Innovation Awards

Secura Insurance has been recognized for its innovative products and solutions that address evolving customer needs. Some of these awards include:

• Insurance Nexus: Innovation Award for Smart Home and Auto Insurance
• TechTarget: EMA Award for Digital Transformation
• CIO.com: CIO 100 Award for Data and Analytics

6. Customer Service Awards

Secura Insurance is committed to providing exceptional customer service. The company has received numerous awards for its responsive and empathetic approach to customer interactions, including:

• J.D. Power: #1 in Customer Satisfaction for Homeowners Insurance
• American Customer Satisfaction Index: High Customer Satisfaction Rating
• National Association of Insurance Commissioners: Complaint Resolution Excellence Award

7. Financial Stability Awards

Secura Insurance’s financial stability and strength have been recognized by industry experts. Some of these awards include:

• A.M. Best: Financial Strength Rating of “A+” (Excellent)
• S&P Global Ratings: AA- Financial Strength Rating
• Moody’s Investors Service: A1 Financial Strength Rating

8. Community Involvement Awards

Secura Insurance actively supports local communities through philanthropic initiatives and employee volunteerism. The company has received awards for its community involvement, including:

• United Way of Greater Milwaukee and Waukesha County: Outstanding Corporate Partner
• Milwaukee Business Journal: Top 100 Corporate Philanthropists
• Greater Milwaukee Committee: Civic Leadership Award

9. Workforce Development Awards

Secura Insurance is dedicated to developing its workforce and preparing employees for future success. The company has been recognized for its workforce development programs, including:

• Marquette University: Corporate Stewardship Award
• Milwaukee Area Workforce Investment Board: Employer Excellence Award
• National Insurance Institute: Center for Insurance Education Distinguished Partner Award

10. Green Business Awards

Secura Insurance is committed to environmental sustainability. The company has received awards for its green business practices, including:

• U.S. Department of Energy: Better Buildings, Better Plants Challenge Award
• Wisconsin Sustainable Business Council: Sustainable Business of the Year
• Milwaukee Energy Efficiency Business Council: Energy Star Partner of the Year

Secura Insurance’s Financial Stability

1. AM Best Rating

Secura Insurance has consistently maintained a financial strength rating of "A" (Excellent) from AM Best, a leading global credit rating agency specializing in the insurance industry. This rating indicates Secura’s strong financial position and its ability to meet its obligations to policyholders.

2. Fitch Ratings

Fitch Ratings, another renowned credit rating agency, has also assigned Secura Insurance a rating of "A" (Excellent). This rating further supports Secura’s financial stability and its ability to withstand adverse economic conditions.

3. Moody’s Investors Service

Moody’s Investors Service, a global financial services company, has assigned Secura Insurance a financial strength rating of "A3" (Good). This rating indicates that Secura has a good financial profile and is capable of meeting its policyholder obligations.

4. Capitalization

Secura Insurance maintains a strong level of capitalization, which refers to its financial resources available to cover potential losses. This strong capitalization provides a buffer against adverse events and ensures that Secura can fulfill its commitments to policyholders.

5. Surplus

Secura Insurance has a substantial surplus, which represents the excess of assets over liabilities. This surplus provides a cushion against unexpected losses and ensures that Secura has the financial resources to meet its obligations to policyholders.

6. Liquidity

Secura Insurance maintains a high level of liquidity, which refers to its ability to quickly access cash to meet its obligations. This liquidity provides Secura with the flexibility to respond to claims and other financial needs.

7. Reinsurance

Secura Insurance utilizes reinsurance to spread risk and reduce the potential impact of large losses. By transferring a portion of its risk to other insurers, Secura ensures that it has the financial capacity to meet its policyholder obligations even in the event of catastrophic events.

8. Investment Portfolio

Secura Insurance maintains a diversified investment portfolio that includes a mix of fixed income, equity, and alternative investments. This diversification reduces risk and provides a stable source of income to support its financial stability.

9. Claims-Paying Ability

Secura Insurance has a strong track record of paying claims promptly and efficiently. This reflects the company’s commitment to its policyholders and its financial ability to fulfill its obligations.

10. Independent Auditors

Secura Insurance’s financial statements are audited by independent accounting firms to ensure accuracy and transparency. These audits provide assurance to policyholders and other stakeholders that Secura’s financial position is accurately reported.

11. Financial Ratios

Secura Insurance’s financial ratios, such as its combined ratio and expense ratio, are within industry averages. These ratios indicate that Secura is operating efficiently and effectively, which contributes to its financial stability.

12. Regulatory Compliance

Secura Insurance is subject to rigorous regulatory oversight by state insurance departments. This oversight ensures that the company operates in accordance with applicable laws and regulations, protecting the interests of policyholders.

13. Customer Satisfaction

Secura Insurance receives positive feedback from its policyholders and customers. This satisfaction reflects the company’s commitment to providing reliable insurance products and excellent customer service.

14. Industry Leadership

Secura Insurance is actively involved in industry organizations and initiatives. This involvement demonstrates its commitment to the insurance industry and its efforts to improve industry practices.

15. Corporate Governance

Secura Insurance has strong corporate governance practices in place, including a well-defined board of directors and ethical guidelines. These practices ensure that the company is managed responsibly and in the best interests of its stakeholders.

16. Transparency

Secura Insurance is committed to transparency and provides regular financial disclosures to the public. This transparency enhances accountability and enables investors and policyholders to make informed decisions.

17. Innovation

Secura Insurance embraces innovation and continuously develops new products and services to meet the evolving needs of policyholders. This innovation contributes to the company’s financial stability by positioning it for growth and success.

18. Long-Term Outlook

Secura Insurance has a strong long-term outlook due to its solid financial position, experienced management team, and commitment to innovation. This outlook indicates that the company is well-positioned to continue providing financial security to its policyholders in the years to come.

19. Historical Performance

Secura Insurance has a long history of financial stability and profitability. The company’s consistent financial performance demonstrates its ability to navigate economic cycles and meet its obligations to policyholders.

20. Market Position

Secura Insurance holds a strong market position in its target markets. This position reflects the company’s reputation for financial stability, customer service, and product innovation.

21. Financial Highlights

Financial Metric	Value
AM Best Financial Strength Rating	A (Excellent)
Fitch Ratings Financial Strength Rating	A (Excellent)
Moody’s Investors Service Financial Strength Rating	A3 (Good)
Capitalization	Strong
Surplus	Substantial
Liquidity	High
Combined Ratio	Within industry averages
Expense Ratio	Within industry averages
Customer Satisfaction	Positive

Secura Insurance’s Investment Strategy

Investment Objectives

Secura Insurance’s investment strategy is driven by its overarching objectives of preserving capital, generating stable income, and achieving long-term growth. The company’s investment portfolio is designed to meet the liabilities of its policyholders while maximizing return within prudent risk parameters.

Investment Process

Secura Insurance follows a disciplined investment process that involves thorough research, rigorous due diligence, and ongoing monitoring. The company’s investment team conducts comprehensive analysis of potential investments across a wide range of asset classes.

Portfolio Composition

As of December 31, 2022, Secura Insurance’s investment portfolio comprised approximately 22% fixed income securities, 21% equity securities, 18% real estate, 12% cash and cash equivalents, 10% alternative investments, and 11% other assets.

Asset Class	Percentage
Fixed Income	22%
Equity Securities	21%
Real Estate	18%
Cash and Cash Equivalents	12%
Alternative Investments	10%
Other Assets	7%

Fixed Income Investments

Secura Insurance’s fixed income investments primarily consist of corporate bonds, government bonds, and mortgage-backed securities. These investments provide a steady stream of income and help to reduce risk in the company’s overall portfolio.

Equity Investments

The company’s equity investments are focused on high-quality, dividend-paying companies with a track record of consistent growth. Secura Insurance seeks to balance its equity investments across a range of industries and market capitalizations.

Real Estate Investments

Secura Insurance invests in a diversified portfolio of real estate properties, including office buildings, industrial complexes, and retail centers. These investments provide long-term income and capital appreciation potential.

Alternative Investments

The company’s alternative investments include private equity funds, hedge funds, and infrastructure assets. These investments offer the potential for higher returns but also carry a higher degree of risk.

Cash and Cash Equivalents

Secura Insurance maintains a portion of its investments in cash and cash equivalents to provide liquidity and to meet short-term obligations.

Investment Management

Secura Insurance’s investment portfolio is managed by a team of experienced investment professionals. The team is responsible for developing and implementing the company’s investment strategy, conducting research, and making investment decisions.

Risk Management

Risk management is an integral part of Secura Insurance’s investment strategy. The company employs a comprehensive risk management framework that includes asset allocation strategies, diversification, stress testing, and ongoing monitoring.

Performance Monitoring

Secura Insurance regularly monitors the performance of its investment portfolio and makes adjustments as necessary to meet its objectives. The company’s investment performance is evaluated on a quarterly and annual basis.

Regulatory Compliance

Secura Insurance’s investment activities are subject to various regulatory requirements. The company complies with all applicable laws and regulations governing insurance investments.

Risk Management at Secura Insurance

Secura Insurance places high priority on risk management as it ensures the protection of its policyholders, employees, and the company’s financial well-being. The company adheres to a comprehensive risk management framework that involves meticulous planning, implementation, monitoring, and review of strategies to mitigate potential threats and vulnerabilities.

Risk Identification and Assessment

Secura Insurance conducts thorough risk identification and assessment processes to recognize potential risks that may impact its operations. This involves:

• Identifying potential hazards and vulnerabilities within the company’s operations
• Analyzing the likelihood and potential impact of each risk
• Prioritizing risks based on their severity and potential consequences

Risk Treatment

Once risks are identified and assessed, Secura Insurance develops and implements appropriate treatment strategies to mitigate or eliminate potential threats. This may include:

• Risk Avoidance: Eliminating or discontinuing activities that pose unacceptable risks
• Risk Mitigation: Reducing the probability or impact of risks through preventative measures or contingency plans
• Risk Transfer: Transferring or sharing risks with other parties, such as reinsurers or insurance brokers
• Risk Acceptance: Accepting and managing risks that are within an acceptable tolerance level

Risk Monitoring and Review

Secura Insurance understands that risk management is an ongoing process that requires constant monitoring and review. The company utilizes robust reporting and analysis systems to track risk trends and identify areas for improvement.

23. Enterprise Risk Management

Secura Insurance has implemented a robust Enterprise Risk Management (ERM) program that encompasses all aspects of the company’s operations. The ERM program comprises:

• Risk Appetite Statement: Defining the company’s tolerance for risk and guiding risk-taking decisions
• Risk Governance Framework: Establishing clear roles and responsibilities for risk management oversight
• Risk Management Policies and Procedures: Outlining comprehensive guidelines for risk identification, assessment, treatment, and reporting
• Risk Management Committee: Providing oversight and guidance on the company’s risk management strategies
• Risk Management Training: Educating employees on risk management principles and practices
• Risk Reporting and Monitoring: Facilitating regular reporting and review of risk management activities
• Incident Management: Establishing processes for managing and responding to risk events
• Business Continuity Planning: Developing plans to ensure the continuity of essential operations during disruptive events
• Risk Management Audits: Conducing periodic audits to assess the effectiveness of the risk management framework
• Continuous Improvement: Embracing a culture of continuous improvement to enhance risk management practices

Risk Category	Potential Impacts
Financial Risk	Loss of revenue, financial instability, regulatory penalties
Operational Risk	System failures, operational disruptions, employee negligence
Regulatory Risk	Non-compliance with laws and regulations, reputational damage
Strategic Risk	Market volatility, technological advancements, changes in customer preferences
Reputation Risk	Negative public perception, loss of trust, damaged brand image

Secura Insurance’s Regulatory Compliance

Overview

Secura Insurance is committed to adhering to all applicable regulatory requirements. The company’s compliance program encompasses various aspects of its operations, including product development, underwriting, pricing, marketing, claims handling, and financial reporting.

Regulatory Bodies

Secura Insurance is regulated by various federal and state agencies, including:

• National Association of Insurance Commissioners (NAIC)
• Wisconsin Office of the Commissioner of Insurance (OCI)
• Securities and Exchange Commission (SEC)

Compliance Program Structure

Secura Insurance’s compliance program has the following key components:

• Compliance Committee: The committee, composed of senior executives, oversees the company’s compliance efforts and provides guidance on regulatory matters.
• Compliance Officer: The compliance officer is responsible for implementing and monitoring the compliance program and reporting to the Compliance Committee.
• Compliance Audit Program: Internal audits are conducted regularly to assess compliance with regulatory requirements and identify any areas for improvement.
• Employee Training: Employees receive ongoing training on compliance-related topics to ensure their understanding of their responsibilities.

Specific Regulatory Compliance Measures

Secura Insurance has implemented specific measures to comply with various regulatory requirements, including:

• Product Approval Process: All insurance products are reviewed by the Compliance Officer to ensure they meet regulatory standards before being marketed.
• Underwriting Guidelines: Underwriting guidelines are developed and followed to ensure fair and non-discriminatory underwriting practices.
• Pricing Compliance: Pricing models are reviewed to ensure they are actuarially sound and comply with applicable regulations.
• Marketing Compliance: All marketing materials are reviewed by the Compliance Officer to ensure they are accurate, non-misleading, and comply with advertising regulations.
• Claims Handling: Claims are handled in accordance with established procedures and state laws to ensure prompt and fair settlement.
• Financial Reporting: Financial statements and other regulatory filings are prepared in accordance with Generally Accepted Accounting Principles (GAAP) and SEC regulations.
• Record Retention: Secura Insurance maintains records in accordance with applicable regulations to ensure availability of information for regulatory inquiries.
• Confidential and Proprietary Information Protection: The company has policies and procedures in place to protect confidential and proprietary information, including customer data and sensitive financial information.
• Cybersecurity: Secura Insurance employs various cybersecurity measures to protect its systems and data from unauthorized access and cyber threats.
• Anti-Money Laundering Compliance: The company has a program in place to detect and report suspicious transactions that may be related to money laundering or terrorist financing.
• Ethics and Code of Conduct: Secura Insurance maintains a code of conduct that sets ethical standards for employees and guides their interactions with customers, regulators, and other stakeholders.

Annual Compliance Review

Secura Insurance conducts an annual compliance review to evaluate the effectiveness of its compliance program and identify any areas for improvement. The review includes the following steps:

• Compliance Assessment: The Compliance Officer reviews all aspects of the compliance program to assess its effectiveness in meeting regulatory requirements.
• Employee Interviews: Interviews are conducted with key employees to gather their feedback on the compliance program and identify any areas of concern.
• Regulatory Review: The company seeks feedback from regulatory bodies on its compliance efforts and any areas where improvements can be made.
• Action Plan: Based on the results of the compliance review, an action plan is developed to address any identified areas for improvement.

Regulatory Enforcement Actions

To date, Secura Insurance has not been subject to any significant regulatory enforcement actions. The company’s commitment to compliance and its proactive approach to risk management have contributed to its clean regulatory record.

Secura Insurance’s Technology

Secura Insurance is committed to using technology to improve the customer experience. The company has invested heavily in technology in recent years, and it has paid off. Secura now offers a variety of online tools and services that make it easy for customers to do business with them.

Online Account Management

Secura customers can manage their accounts online 24/7. They can view their policy information, make payments, file claims, and more. The online account management system is easy to use and secure.

Mobile App

Secura also offers a mobile app that allows customers to manage their accounts on the go. The app has all the same features as the online account management system, and it’s even easier to use. Customers can download the app for free from the App Store or Google Play.

E-Signature

Secura offers e-signature capabilities for policies and other documents. This allows customers to sign documents electronically, which saves time and paper. E-signatures are legally binding, so customers can be confident that their documents are secure.

Paperless Billing

Secura offers paperless billing to customers who want to reduce their environmental impact. Customers who sign up for paperless billing will receive their bills electronically. They can view and pay their bills online or through the mobile app.

Claims Processing

Secura has streamlined its claims processing system to make it faster and easier for customers to get the benefits they need. Customers can file claims online, by phone, or through the mobile app. Secura also offers a claims tracking system that allows customers to track the status of their claims online.

Fraud Detection

Secura uses sophisticated fraud detection technology to protect its customers from fraud. The company’s fraud detection system uses a variety of data points to identify potentially fraudulent claims. Secura also has a team of experienced fraud investigators who work to investigate and resolve fraudulent claims.

Underwriting

Secura uses technology to improve its underwriting process. The company’s underwriting system uses a variety of data points to assess the risk of each applicant. This allows Secura to offer competitive rates to its customers.

Customer Service

Secura’s customer service team is available 24/7 to help customers with any questions or concerns they may have. Customers can contact customer service by phone, email, or chat.

Secura Insurance is committed to using technology to improve the customer experience. The company’s technology investments have paid off, and Secura now offers a variety of online tools and services that make it easy for customers to do business with them.

Digital Payments

Secura Insurance offers a variety of digital payment options to make it easy for customers to pay their premiums. Customers can pay online, by phone, or through the mobile app. Secura also accepts a variety of payment methods, including credit cards, debit cards, and electronic checks.

Automated Underwriting

Secura Insurance uses automated underwriting technology to streamline the underwriting process. This technology uses a variety of data points to assess the risk of each applicant. Automated underwriting can help Secura to offer competitive rates to its customers.

Claims Management

Secura Insurance offers a variety of claims management tools to help customers file and track their claims. Customers can file claims online, by phone, or through the mobile app. Secura also offers a claims tracking system that allows customers to track the status of their claims online.

Fraud Detection and Prevention

Secura Insurance uses a variety of fraud detection and prevention tools to protect its customers from fraud. These tools include data analytics, machine learning, and artificial intelligence. Secura also has a team of experienced fraud investigators who work to identify and resolve fraudulent claims.

Customer Service

Secura Insurance offers a variety of customer service channels to help customers with any questions or concerns they may have. Customers can contact customer service by phone, email, chat, or social media. Secura also offers a self-service portal where customers can access their account information and manage their policies.

Technology	Benefits
Online Account Management	Easy and secure access to policy information, payments, and claims
Mobile App	Convenient access to all account management features on the go
E-Signature	Saves time and paper, while ensuring the validity of documents
Paperless Billing	Reduces environmental impact and simplifies bill management
Claims Processing	Fast and easy claim filing, tracking, and resolution
Fraud Detection	Protects customers from fraudulent claims, ensuring the integrity of the insurance system
Underwriting	Accurate risk assessment, leading to competitive rates and personalized policies
Customer Service	24/7 support through multiple channels, providing timely assistance
Digital Payments	Convenient and secure payment options, including online, phone, and mobile
Automated Underwriting	Streamlined underwriting process, reducing turnaround time and offering competitive rates
Claims Management	Comprehensive claims handling, with online filing, tracking, and resolution
Fraud Detection and Prevention	Advanced tools and experienced investigators protect customers from fraudulent activities

Secura Insurance’s Data Security

When it comes to entrusting your personal and sensitive information to an insurance company, it’s imperative to have confidence in their data security practices. Secura Insurance understands this responsibility and has implemented robust measures to protect your data from unauthorized access, use, or disclosure.

Data Encryption

Secura utilizes industry-standard encryption protocols to safeguard your data both at rest and in transit. This means that even if your information is intercepted, it will be unreadable without the proper encryption key.

Firewall Protection

Secura maintains a robust firewall to monitor and block unauthorized access to its network. This firewall acts as a barrier, preventing malicious actors from gaining access to your data.

Access Controls

Secura implements strict access controls to ensure that only authorized individuals within the company have access to your data. Employees are granted permissions based on the principle of least privilege, meaning they only have access to the data they need to perform their job functions.

Security Audits and Monitoring

Secura regularly conducts independent security audits to assess the effectiveness of its data security measures. Additionally, it maintains 24/7 monitoring to detect and respond to any suspicious activity that may indicate a potential data breach.

Cybersecurity Training

Secura employees undergo cybersecurity training to educate them on best practices for protecting sensitive data. This training covers topics such as phishing scams, password security, and social engineering attacks.

Compliance with Industry Standards

Secura complies with industry-recognized data security standards, including the Payment Card Industry Data Security Standard (PCI DSS) and the Health Insurance Portability and Accountability Act (HIPAA). These standards ensure that your data is protected according to best practices.

Incident Response Plan

In the unfortunate event of a data breach, Secura has a comprehensive incident response plan in place. This plan outlines the steps to be taken to mitigate the impact of the breach, notify affected individuals, and restore normal operations.

Privacy Policy

Secura’s privacy policy clearly outlines how your personal information will be used, shared, and protected. By understanding these policies, you can make informed decisions about how your data is handled.

Third-Party Security

Secura carefully evaluates the data security practices of third-party vendors before sharing your information with them. These vendors are required to comply with Secura’s strict data security standards.

Additional Resources

For more information on Secura Insurance’s data security measures, please refer to the following resources:

• Secura Insurance’s Privacy Policy
• Secura Insurance’s Data Security Statement

Conclusion

Secura Insurance takes data security very seriously and has implemented robust measures to protect your personal and sensitive information. By adhering to industry standards, conducting regular audits, and providing comprehensive training to employees, Secura ensures that your data remains safe and secure.

Secura Insurance’s Terms of Service

1. Introduction

Please carefully review these Terms of Service before using our website or purchasing any insurance products from Secura Insurance. By using our services, you agree to be bound by these terms. If you do not agree to these terms, please do not use our website or purchase our products.

2. Definitions

The following terms are used in these Terms of Service:

• “Secura Insurance” or “we” or “us” refers to Secura Insurance Company.
• “Website” refers to the website located at www.secura.com.
• “Product” or “Products” refers to any insurance product offered by Secura Insurance.
• “User” or “Users” refers to any person who uses our website or purchases our products.

3. Acceptance of Terms

By using our website or purchasing our products, you signify your acceptance of these Terms of Service. If you do not agree to these terms, please do not use our website or purchase our products.

4. Changes to Terms of Service

We may change these Terms of Service at any time without notice. The most current version of the Terms of Service will be posted on our website. It is your responsibility to review the Terms of Service regularly to ensure that you are aware of any changes.

5. Use of Website

You may use our website for personal, non-commercial purposes only. You may not use our website to sell or promote products or services without our prior written consent.

6. User Content

Any content that you post or submit to our website, including but not limited to reviews, comments, and photos, becomes the property of Secura Insurance. We may use this content for any purpose, including marketing and advertising, without compensation to you.

7. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy for more information about how we collect, use, and disclose your personal information.

8. Intellectual Property

All content on our website, including text, graphics, and logos, is the property of Secura Insurance or its licensors. This content is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or otherwise use this content without our prior written consent.

9. Disclaimer of Warranties

Our website and products are provided “as is” and without any warranties, express or implied. We disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

In no event shall Secura Insurance be liable for any damages, including but not limited to direct, indirect, incidental, consequential, or punitive damages, arising out of or related to your use of our website or products.

11. Indemnification

You agree to defend, indemnify, and hold harmless Secura Insurance, its directors, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or related to your use of our website or products.

12. Governing Law and Jurisdiction

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Wisconsin without regard to its conflict of laws provisions. Any disputes arising out of or related to these Terms of Service shall be resolved in the state or federal courts located in Wisconsin.

13. Entire Agreement

These Terms of Service constitute the entire agreement between you and Secura Insurance with respect to the subject matter hereof and supersede all prior agreements and understandings, whether written or oral.

32. Notice of Privacy Practices

We are required by federal law to provide you with a Notice of Privacy Practices that describes how we may use and disclose your protected health information. Please review our Notice of Privacy Practices for more information.

Section	Description
1. Introduction	Introduces the Terms of Service and explains their purpose.
2. Definitions	Defines key terms used in the Terms of Service.
3. Acceptance of Terms	Explains that by using the website or purchasing products, users agree to be bound by the Terms of Service.
4. Changes to Terms of Service	States that the Terms of Service may be changed without notice and that users are responsible for reviewing the terms regularly.
5. Use of Website	Specifies that the website may only be used for personal, non-commercial purposes.

Secura Insurance’s Refund Policy

Secura Insurance understands that sometimes circumstances change and you may need to cancel your policy. That’s why they have a generous refund policy in place to make the process easy and hassle-free.

How to Request a Refund

To request a refund, simply contact Secura Insurance customer service by phone, email, or mail. You will need to provide your policy number and the reason for your cancellation.

Refund Amount

The amount of your refund will depend on the type of policy you have and the length of time you have been insured. In most cases, you will receive a refund for the unused portion of your premium.

33. Special Circumstances

There are some special circumstances in which you may be eligible for a full refund, even if you have used your policy. These circumstances include:

• The policy was purchased in error.
• The policy was canceled due to a coverage dispute.
• The policy was canceled due to a change in circumstances, such as a job loss or move.

Refund Timeline

Secura Insurance will process your refund request within 30 days of receiving it. The refund will be issued to the same payment method that was used to purchase the policy.

Additional Information

Here are some additional things to keep in mind about Secura Insurance’s refund policy:

• Refunds are not available for policies that have been canceled for non-payment.
• Refunds are not available for policies that have been canceled due to fraud.
• If you have any questions about Secura Insurance’s refund policy, please contact customer service.

Policy Type	Refund Amount
Auto Insurance	Unused portion of premium
Homeowners Insurance	Unused portion of premium
Health Insurance	Unused portion of premium
Business Insurance	Unused portion of premium

Secura Insurance’s Cancellation Policy

Secura Insurance, a leading insurance provider in the United States, offers a range of insurance products, including auto, home, and business insurance. The company’s cancellation policy outlines the terms and conditions under which a policyholder may cancel their insurance policy.

Cancellation by the Policyholder

Policyholders have the right to cancel their Secura Insurance policy at any time, with or without providing a reason. To cancel a policy, policyholders must submit a written cancellation request to Secura Insurance. The cancellation request must include the following information:

• Policyholder’s name
• Policy number
• Date of cancellation
• Reason for cancellation (optional)

Policyholders may also cancel their policy by phone or online through Secura Insurance’s website. When canceling a policy by phone, policyholders will need to provide the same information that is required in a written cancellation request.

Cancellation Fees

Secura Insurance charges a cancellation fee for policies that are canceled within the first 60 days after the policy start date. The cancellation fee is equal to $25 for auto insurance policies and $50 for home and business insurance policies.

Refund of Premiums

When a policy is canceled, Secura Insurance will refund any unearned premiums to the policyholder. Unearned premiums are the portion of the premium that has been paid for the period of time after the cancellation date.

Reinstatement of a Canceled Policy

Policyholders who have canceled their Secura Insurance policy may be able to reinstate the policy if they meet certain requirements. To reinstate a canceled policy, policyholders must:

• Submit a written reinstatement request to Secura Insurance
• Pay the reinstatement fee
• Meet the underwriting requirements

The reinstatement fee is equal to the cancellation fee. The underwriting requirements may vary depending on the type of insurance policy and the reason for the cancellation.

Other Provisions

Secura Insurance’s cancellation policy also includes the following provisions:

• Secura Insurance may cancel a policy for non-payment of premiums.
• Secura Insurance may cancel a policy if the policyholder violates the terms of the policy.
• Secura Insurance may cancel a policy if the policyholder makes a fraudulent claim.

Cancellation Rights for Different Types of Policies

Auto Insurance

Auto insurance policies can be canceled at any time. However, policyholders who cancel their auto insurance policy within 60 days of the policy start date will be charged a cancellation fee. Policyholders who cancel their auto insurance policy after 60 days will receive a refund of any unearned premiums.

Home Insurance

Home insurance policies can be canceled at any time. However, policyholders who cancel their home insurance policy within 60 days of the policy start date will be charged a cancellation fee. Policyholders who cancel their home insurance policy after 60 days will receive a refund of any unearned premiums.

Business Insurance

Business insurance policies can be canceled at any time. However, policyholders who cancel their business insurance policy within 60 days of the policy start date will be charged a cancellation fee. Policyholders who cancel their business insurance policy after 60 days will receive a refund of any unearned premiums.

Cancellation Fees by State

The cancellation fees charged by Secura Insurance vary by state. The following table shows the cancellation fees for auto insurance policies in each state:

State	Cancellation Fee
Alabama	$25
Alaska	$25
Arizona	$25
Arkansas	$25
California	$25

Secura Insurance’s Complaints Process

If you’re experiencing issues with your Secura Insurance policy, you have several options to file a complaint. Here’s a detailed overview of the company’s complaints process:

### Contacting Customer Service

As a first step, you can contact Secura Insurance’s customer service department by phone or email. The company aims to resolve most complaints promptly and efficiently through this channel.

### Submitting a Formal Complaint

If you’re unable to resolve the issue through customer service, you can submit a formal complaint by mail or online. Secura Insurance provides a dedicated complaints form on its website for this purpose.

### Addressing Specific Issues

Here’s how to proceed with your complaint based on specific issues you’re facing:

#### Billing Disputes

If you dispute a billing error, contact Secura Insurance’s billing department directly by phone or email to rectify the issue.

#### Claims Handling

For complaints related to claim handling, submit a formal complaint outlining your concerns and the details of your claim. Secura Insurance will review your case and respond promptly.

#### Agent Misconduct

If you believe an agent has breached professional ethics or regulations, report the misconduct to Secura Insurance’s compliance department by phone or email.

### Escalating Your Complaint

If you’re not satisfied with the resolution of your complaint, you can escalate it to the following levels:

#### Insurance Commissioner

File a complaint with the insurance commissioner of your state. They can review the matter and take appropriate action if necessary.

#### Third-Party Mediation

Consider seeking mediation from a neutral third party, such as a dispute resolution service or the Better Business Bureau.

### Timeframe for Resolution

Secura Insurance aims to resolve complaints within the following timeframes:

Complaint Type	Resolution Timeframe
Simple Inquiry	Same day
Customer Service Request	Within 3 business days
Formal Complaint	Within 10 business days
Escalated Complaint	Varies depending on the complexity of the issue

### Contact Information

Here are the contact details for Secura Insurance’s complaints department:

Method	Contact Information
Phone	(800) 843-5614
Email	[email protected]
Mail	Secura Insurance Attn: Complaints Department 101 Secura Way Neenah, WI 54956

Secura Insurance’s Billing Process

Billing Process Overview

Secura Insurance follows a streamlined billing process to ensure prompt and accurate premium payments from its policyholders. The process involves several steps, including invoice issuance, payment options, and billing inquiries.

Invoicing

Policyholders receive invoices on a monthly basis, which outlines the premium due, due date, and payment instructions. Invoices can be accessed online through Secura’s secure customer portal or via mail delivery.

Payment Options

Secura offers flexible payment options to accommodate the diverse needs of its policyholders. These options include:

• Online payments through the customer portal
• Bank transfers
• Credit/debit card payments
• Automated bank drafts

Recurring Payments

Policyholders can set up recurring payments to streamline their billing experience. By enrolling in automatic bank drafts or credit/debit card payments, premiums will be deducted from their accounts on the due date, eliminating the need for manual payment reminders.

Billing Inquiries

If policyholders have questions or require assistance regarding their bill, they can contact Secura’s customer service team through the following channels:

• Phone: 1-800-556-7328
• Email: [email protected]
• Online chat through the customer portal

Flexible Billing Options

Secura recognizes that financial situations can vary, which is why they offer flexible billing options to help policyholders manage their premiums. These options include:

Payment Plans

Policyholders experiencing financial hardship can request a payment plan. This allows them to spread out their premium payments over multiple installments, making them more manageable.

Premium Financing

Premium financing provides policyholders with short-term loans to cover their premium payments. Repayment plans are typically for 12 months, with interest charged on the outstanding balance.

Discount Programs

Secura offers various discount programs to incentivize policyholders. These programs can reduce premiums for those who meet certain criteria, such as those who sign up for electronic billing, bundle multiple policies, or maintain a claims-free record.

Online Billing Services

Secura’s secure online portal provides policyholders with convenient and efficient billing services. These services include:

• Online bill viewing and downloading
• Recurring payment management
• Billing history tracking
• Access to policy documents
• Account updates and communication preferences

Paperless Billing

Policyholders who enroll in paperless billing will receive their invoices electronically through the customer portal. This eco-friendly option reduces paper waste and provides instant access to billing information.

Late Payments

Timely premium payments are essential to maintain coverage. Secura applies late payment fees to past-due invoices to encourage prompt payments. The late payment fee is typically a percentage of the outstanding premium balance.

Late Payment Period	Late Payment Fee
0-15 days	5%
16-30 days	10%
31-60 days	15%
60+ days	Policy cancellation

Cancellation for Non-Payment

Policyholders who consistently fail to make premium payments may face policy cancellation. Secura provides multiple notices and attempts to contact policyholders before canceling coverage due to non-payment.

Secura Insurance’s Referral Program

Secura Insurance is a leading provider of insurance products and services, offering a wide range of coverage options for individuals, families, and businesses. One of the many benefits offered by Secura Insurance is a referral program that allows existing customers to earn rewards for referring new clients to the company.

The Secura Insurance Referral Program is a great way to save money on your insurance premiums while also helping your friends and family get the coverage they need. By referring a new client to Secura Insurance, you can earn a $50 gift card for each new policy purchased. There is no limit to the number of referrals you can make, so you can earn as many gift cards as you want.

Here are the steps on how to participate in the Secura Insurance Referral Program:

1. Log in to your Secura Insurance account or create an account if you don’t have one.
2. Click on the “Referrals” tab.
3. Enter the name and contact information of the person you are referring.
4. Click on the “Submit” button.

Once you have submitted a referral, Secura Insurance will contact the person you referred and provide them with a quote. If the person you referred purchases a policy, you will receive a $50 gift card. You can use your gift card to purchase anything you want, from groceries to gasoline to gift cards for your favorite stores.

The Secura Insurance Referral Program is a great way to save money on your insurance premiums while also helping your friends and family get the coverage they need. So start referring today and start earning gift cards!

Earning Potential

The amount of money you can earn through the Secura Insurance Referral Program depends on how many people you refer. The more people you refer, the more gift cards you will earn. There is no limit to the number of referrals you can make, so you can earn as much money as you want.

For example, if you refer 10 people and each person purchases a policy, you will earn $500 in gift cards. If you refer 20 people and each person purchases a policy, you will earn $1,000 in gift cards. And so on.

Who Can Participate?

Anyone can participate in the Secura Insurance Referral Program, as long as they are a current Secura Insurance customer. This includes individuals, families, and businesses.

To participate, you must be logged in to your Secura Insurance account. If you don’t have an account, you can create one for free.

What Types of Insurance Policies Qualify?

All types of Secura Insurance policies qualify for the Referral Program, including:

• Auto insurance
• Home insurance
• Life insurance
• Health insurance
• Business insurance

So, whether you’re looking to refer a friend to Secura Insurance for auto insurance or life insurance, you can earn a $50 gift card for each new policy purchased.

How to Redeem Your Gift Card

Once you have earned a gift card, you can redeem it by following these steps:

1. Log in to your Secura Insurance account.
2. Click on the “Referrals” tab.
3. Click on the “Redeem Gift Card” link.
4. Enter the gift card number and PIN.
5. Click on the “Submit” button.

Once you have redeemed your gift card, you will receive a confirmation email. You can then use your gift card to purchase anything you want.

Additional Information

Here are some additional details about the Secura Insurance Referral Program:

• There is no limit to the number of referrals you can make.
• You can earn a $50 gift card for each new policy purchased.
• All types of Secura Insurance policies qualify for the Referral Program.
• You can redeem your gift card by logging in to your Secura Insurance account.
• You will receive a confirmation email once you have redeemed your gift card.

The Secura Insurance Referral Program is a great way to save money on your insurance premiums while also helping your friends and family get the coverage they need. So start referring today and start earning gift cards!

Secura Insurance’s Multi-Policy Discounts

Secura Insurance offers a variety of discounts for bundling multiple insurance policies. These discounts can save you money on your monthly premiums and provide you with peace of mind knowing that you have all of your insurance needs covered by a single company.

Eligible Policies

Most Secura Insurance policies are eligible for multi-policy discounts. This includes:

• Auto insurance
• Home insurance
• Renters insurance
• Business insurance
• Life insurance

Discount Tiers

Secura Insurance offers three tiers of multi-policy discounts, each with its own set of requirements:

Tier	Requirements	Discount
1	2 eligible policies	5%
2	3 eligible policies	10%
3	4 or more eligible policies	15%

Example

Let’s say you have a Secura Insurance auto insurance policy and a homeowners insurance policy. You would qualify for a 5% multi-policy discount on both of these policies. If you added a renters insurance policy, you would qualify for a 10% multi-policy discount on all three policies.

Other Ways to Save

In addition to multi-policy discounts, Secura Insurance offers a variety of other ways to save on your premiums, including:

• Safe driver discounts
• Good student discounts
• Loyalty discounts
• Referral discounts

How to Get a Quote

To get a quote for Secura Insurance’s multi-policy discounts, you can:

• Visit the Secura Insurance website
• Call a Secura Insurance agent

When you request a quote, be sure to mention that you are interested in multi-policy discounts. The agent can help you determine which discounts you qualify for and provide you with a personalized quote.

Secura Insurance’s Usage-Based Insurance

Secura Insurance offers a usage-based insurance program that rewards drivers for safe driving habits.

How it Works

The program uses a telematics device installed in the driver’s vehicle to collect data on driving behavior, including:

• Speed
• Acceleration
• Braking
• Cornering
• Miles driven

This data is then used to calculate a driver’s "risk score," which is used to determine their insurance premium.

Benefits of Usage-Based Insurance

There are several benefits to using usage-based insurance, including:

• Lower premiums: Drivers who maintain safe driving habits can earn discounts on their insurance premiums.
• Real-time feedback: Drivers can access their driving data through a mobile app or online portal, which provides them with real-time feedback on their driving habits.
• Personalized coverage: Usage-based insurance allows drivers to customize their coverage to their specific needs. For example, drivers who don’t drive at night can save money by choosing a policy that excludes nighttime coverage.

Secura DriveSafe

Secura Insurance’s usage-based insurance program is called DriveSafe. DriveSafe offers the following features:

• Telematics device: The DriveSafe telematics device is installed in the driver’s vehicle and collects data on driving behavior.
• Mobile app: Drivers can access their driving data through the DriveSafe mobile app.
• Online portal: Drivers can also access their driving data through the DriveSafe online portal.
• Discounts: Drivers who maintain safe driving habits can earn discounts on their insurance premiums.

How to Get DriveSafe

To get DriveSafe, drivers must:

1. Be at least 16 years old and have a valid driver’s license.
2. Have a vehicle that is registered in their name.
3. Complete a short enrollment process.

DriveSafe Data Sharing

Secura Insurance collects data on driving behavior from the DriveSafe telematics device. This data is used to calculate a driver’s risk score and determine their insurance premium. Secura Insurance does not share this data with third parties, except as required by law.

DriveSafe Privacy

Secura Insurance is committed to protecting the privacy of its customers. The DriveSafe program collects data on driving behavior, but it does not collect any personal information, such as name, address, or Social Security number.

DriveSafe Details

Here are some additional details about Secura Insurance’s DriveSafe program:

• Eligibility: DriveSafe is available to drivers in most states.
• Cost: There is no additional charge for the DriveSafe program.
• Discounts: Drivers who maintain safe driving habits can earn discounts of up to 25% on their insurance premiums.
• Data collection: The DriveSafe telematics device collects data on driving behavior every time the vehicle is in motion.
• Data storage: The data collected by the DriveSafe telematics device is stored securely on Secura Insurance’s servers.
• Data sharing: Secura Insurance does not share data collected by the DriveSafe telematics device with third parties, except as required by law.

Driving Behavior	Points
Hard acceleration	-1
Hard braking	-1
Speeding (10 mph over the speed limit)	-2
Driving between midnight and 4 AM	-1
Miles driven per month	0 (up to 10,000 miles)
Miles driven per month	-1 (over 10,000 miles)

Secura Insurance’s Telematics Program

Secura Insurance offers a telematics program called DriveSense that tracks driving behavior and provides feedback to drivers. The program is designed to help drivers improve their driving habits, reduce their risk of accidents, and potentially save money on their insurance premiums.

How Does DriveSense Work?

DriveSense uses a small device that plugs into the vehicle’s diagnostic port. The device collects data on various driving behaviors, including:

• Speed
• Acceleration and braking
• Cornering
• Time of day driving
• Distance traveled

The data is sent to Secura Insurance, where it is analyzed and used to provide feedback to drivers through an online portal or mobile app.

Benefits of DriveSense

The benefits of using DriveSense include:

• Personalized feedback: Drivers receive tailored feedback on their driving habits based on the data collected by the device. This feedback can help drivers identify areas where they can improve.
• Potential savings: Secura Insurance offers discounts on insurance premiums to drivers who participate in DriveSense and demonstrate safe driving habits.
• Improved safety: By identifying areas where drivers can improve, DriveSense can help reduce the risk of accidents.
• Peace of mind: Knowing that driving habits are being monitored can provide peace of mind to drivers and their families.

How to Enroll in DriveSense

To enroll in DriveSense, drivers must meet the following requirements:

• Be a Secura Insurance policyholder
• Have a vehicle model that is compatible with DriveSense
• Be willing to install the DriveSense device in their vehicle

Drivers can enroll in DriveSense online or by contacting their Secura Insurance agent.

DriveSense Device Installation

The DriveSense device is easy to install. It simply plugs into the vehicle’s diagnostic port, which is usually located under the dashboard. Once the device is installed, it will begin collecting data on driving behaviors.

DriveSense Data Security

Secura Insurance takes data security seriously. The telematics data collected by DriveSense is stored in a secure, encrypted format. Only authorized Secura Insurance employees have access to the data.

DriveSense Privacy

Secura Insurance respects the privacy of its customers. The data collected by DriveSense is used solely to provide feedback to drivers and to improve insurance pricing. The data is not shared with any third parties without the driver’s consent.

DriveSense Cost

There is no cost to enroll in DriveSense. However, drivers may be required to pay a deposit for the device, which is refundable when the device is returned.

DriveSense Compatibility

DriveSense is compatible with most vehicle models manufactured after 1996. To check if their vehicle is compatible, drivers can visit Secura Insurance’s website or contact their insurance agent.

DriveSense Customer Service

Drivers who have questions about DriveSense can contact Secura Insurance’s customer service department at 1-800-252-1950.

DriveSense Reviews

DriveSense has received positive reviews from consumers. Many drivers have reported that the program has helped them to improve their driving habits and reduce their risk of accidents.

Rating	Number of Reviews
Excellent	85%
Good	10%
Average	3%
Poor	2%

Secura Insurance’s Gap Coverage

Secura Insurance offers gap coverage as an optional add-on to its auto insurance policies. Gap coverage can help you pay off the difference between what your primary auto insurance policy pays and the actual cash value of your vehicle if it is totaled or stolen. This can be especially helpful if you have a newer vehicle that is still worth more than you owe on it.

Secura Insurance’s gap coverage is available in two different levels of coverage:

• Basic gap coverage: This level of coverage pays up to the actual cash value of your vehicle, less your deductible.
• Full gap coverage: This level of coverage pays up to the full purchase price of your vehicle, less your deductible.

The cost of gap coverage will vary depending on the level of coverage you choose, the make and model of your vehicle, and your driving record. However, it is typically a relatively affordable add-on to your auto insurance policy.

Benefits of Secura Insurance’s Gap Coverage

There are several benefits to purchasing gap coverage from Secura Insurance, including:

• Peace of mind: Gap coverage can give you peace of mind knowing that you will not be left with a large financial burden if your vehicle is totaled or stolen.
• Protection for your investment: Gap coverage can help you protect your investment in your vehicle.
• Affordable: Gap coverage is typically a relatively affordable add-on to your auto insurance policy.

Who Should Consider Gap Coverage?

Gap coverage is a good option for anyone who has a newer vehicle that is still worth more than they owe on it. It is also a good option for anyone who has a poor driving record or who lives in an area with a high risk of auto theft.

How to Get Gap Coverage

You can add gap coverage to your Secura Insurance auto insurance policy by contacting your insurance agent or by visiting the Secura Insurance website.

47. Exclusions and Limitations

There are some exclusions and limitations to Secura Insurance’s gap coverage, including:

• Gap coverage does not cover the following:**
  • Wear and tear
  • Mechanical breakdowns
  • Collision damage
  • Theft of personal items from your vehicle
• Gap coverage is not available for the following types of vehicles:
  • Commercial vehicles
  • Rental vehicles
  • Leased vehicles
• Gap coverage may be limited in the following situations:**
  • If you have a salvage title
  • If you have a branded title
  • If you have a lien on your vehicle

  Coverage Level	Maximum Payout
  Basic Gap Coverage	Actual Cash Value of Vehicle – Deductible
  Full Gap Coverage	Purchase Price of Vehicle – Deductible

  It is important to read your Secura Insurance policy carefully to understand the full terms and conditions of your gap coverage.

  Secura Insurance’s Motorcycle Insurance

  Coverage Options

  Secura Insurance offers a comprehensive range of motorcycle insurance coverage options to protect your ride and your financial well-being. These include:

  • Liability coverage: Protects you from legal liability in the event of an accident that causes bodily injury or property damage to others.
  • Collision coverage: Covers your motorcycle and any accessories in the event of a collision with another vehicle or object.
  • Comprehensive coverage: Provides protection against theft, vandalism, and other non-collision events.
  • Uninsured/underinsured motorist coverage: Protects you if you are injured by an uninsured or underinsured driver.
  • Medical payments coverage: Covers medical expenses incurred by you or your passengers in the event of an accident, regardless of fault.

  Discounts and Savings

  Secura Insurance offers various discounts and savings to help you reduce the cost of your motorcycle insurance. These include:

  • Multi-bike discount: Save up to 10% on your premium if you insure multiple motorcycles with Secura.
  • Safety course discount: Receive a discount on your premium if you have completed a motorcycle safety course.
  • Good rider discount: Maintain a clean driving record and enjoy a discount on your insurance.
  • Homeowner discount: Save up to 5% on your premium if you are also a Secura homeowner.

  Endorsements and Riders

  Secura Insurance offers a range of endorsements and riders to customize your motorcycle insurance policy and enhance your coverage. These include:

  • Customized parts coverage: Insure your aftermarket parts and accessories for an additional cost.
  • Total loss replacement: Receive a new motorcycle if yours is a total loss within the first two years of ownership.
  • Agreed value coverage: Guarantee the coverage limit for your motorcycle in the event of a total loss.
  • Roadside assistance: Get help with flat tires, dead batteries, and other roadside emergencies.

  49 State Availability

  Secura Insurance provides motorcycle insurance coverage in all 49 states (except Hawaii). This ensures that you have protection wherever you ride.

  State	Availability
  Alabama	Yes
  Alaska	No
  Arizona	Yes
  Arkansas	Yes
  California	Yes
  Colorado	Yes
  Connecticut	Yes
  Delaware	Yes
  Florida	Yes
  Georgia	Yes
  Hawaii	No
  Idaho	Yes
  Illinois	Yes
  Indiana	Yes
  Iowa	Yes
  Kansas	Yes
  Kentucky	Yes
  Louisiana	Yes
  Maine	Yes
  Maryland	Yes
  Massachusetts	Yes
  Michigan	Yes
  Minnesota	Yes
  Mississippi	Yes
  Missouri	Yes
  Montana	Yes
  Nebraska	Yes
  Nevada	Yes
  New Hampshire	Yes
  New Jersey	Yes
  New Mexico	Yes
  New York	Yes
  North Carolina	Yes
  North Dakota	Yes
  Ohio	Yes
  Oklahoma	Yes
  Oregon	Yes
  Pennsylvania	Yes
  Rhode Island	Yes
  South Carolina	Yes
  South Dakota	Yes
  Tennessee	Yes
  Texas	Yes
  Utah	Yes
  Vermont	Yes
  Virginia	Yes
  Washington	Yes
  West Virginia	Yes
  Wisconsin	Yes
  Wyoming	Yes

  Customer Service and Claims Handling

  Secura Insurance is committed to providing excellent customer service and efficient claims handling. You can reach their friendly and experienced customer service team by phone, email, or live chat. Their claims process is streamlined to ensure prompt and fair settlements.

  Financial Strength and Stability

  Secura Insurance is a financially strong and stable company with a long history of providing reliable insurance solutions. They have consistently received high ratings from independent rating agencies, such as A.M. Best and Standard & Poor’s, for their financial strength and claims-paying ability.

  How to Get a Quote

  Getting a quote for Secura Insurance’s motorcycle insurance is easy and convenient. You can visit their website, call their customer service team, or speak to an independent insurance agent. They will gather information about your motorcycle, riding experience, and coverage needs to provide you with a personalized quote.

  Secura Insurance’s Boat Insurance

  Secura Insurance is a leading provider of boat insurance in the United States. The company offers a variety of coverage options to protect your boat and your finances in the event of an accident or other covered event.

  Coverage Options

  Secura Insurance’s boat insurance policies include the following coverage options:

  • Bodily injury and property damage liability
  • Collision
  • Comprehensive
  • Medical payments
  • Uninsured/underinsured boaters
  • Total loss replacement
  • Personal property
  • Towing and assistance

  Benefits of Secura Insurance’s Boat Insurance

  Secura Insurance’s boat insurance policies offer a number of benefits, including:

  • Competitive rates
  • Excellent customer service
  • Financial stability
  • Wide range of coverage options
  • Easy-to-use online policy management system

  How to Get a Quote for Secura Insurance’s Boat Insurance

  To get a quote for Secura Insurance’s boat insurance, you can visit the company’s website or call a local agent. You will need to provide the following information:

  • Your boat’s make, model, and year
  • The value of your boat
  • Your boating experience
  • Your claims history

  Secura Insurance’s Boat Insurance Reviews

  Secura Insurance’s boat insurance policies have received positive reviews from customers. The company has an A+ rating from the Better Business Bureau and a 4.5-star rating on Trustpilot.

  Additional Information

  Secura Insurance offers a variety of additional resources for boat owners, including:

  • A boat safety guide
  • A boating blog
  • A network of marine repair facilities

  Table of Coverage Options

  Coverage	Description
  Bodily injury and property damage liability	Protects you from financial responsibility if you cause injuries or damage to others while operating your boat.
  Collision	Covers damage to your boat if it collides with another boat, object, or structure.
  Comprehensive	Covers damage to your boat from events other than collisions, such as fire, theft, and vandalism.
  Medical payments	Pays for medical expenses incurred by you or your passengers if you are injured in a boating accident.
  Uninsured/underinsured boaters	Protects you from financial losses if you are injured by a boat that does not have insurance or enough insurance.
  Total loss replacement	Pays to replace your boat if it is destroyed or stolen.
  Personal property	Covers your personal belongings that are lost, stolen, or damaged while on your boat.
  Towing and assistance	Pays for towing and other assistance services if your boat becomes disabled.

  Secura Insurance Company: A Reliable and Trusted Provider

  Secura Insurance Company, established in 1900, is a reputable insurer offering comprehensive insurance solutions for individuals, families, and businesses. With a strong financial foundation and a commitment to customer satisfaction, Secura has earned a solid reputation in the insurance industry.

  Secura’s product portfolio encompasses a wide range of insurance products, including auto, home, life, health, and business insurance. The company prides itself on providing tailored solutions that meet the specific needs and risk profiles of its clients. Secura’s experienced underwriters and knowledgeable agents work closely with customers to assess their exposures and design insurance programs that provide optimal protection.

  In addition to its core insurance offerings, Secura also offers exceptional customer service. The company’s dedicated claims team is available 24/7 to assist customers with processing claims efficiently and fairly. Secura also provides a variety of online tools and resources to make it easy for customers to manage their policies and file claims.

  People Also Ask About Secura Insurance Company

  What are the benefits of choosing Secura Insurance Company?

  Secura Insurance Company offers numerous benefits to its clients, including financial stability, tailored insurance solutions, and exceptional customer service. The company’s strong financial foundation ensures it has the resources to meet its obligations to policyholders, even in the event of unexpected events.

  How can I contact Secura Insurance Company?

  Customers can contact Secura Insurance Company in several ways. The company’s website, www.secura.com, provides comprehensive information about its products and services, and customers can request a quote or file a claim online. Customers can also contact Secura’s customer service team by phone at (800) 346-5433 or by email at [email protected].