Personal Automobile Insurance
	Boat & Snowmobile Insurance
	Classic Auto Insurance
	Dwelling Fire
	Homeowners Products
	Group Discount Products

Personal Automobile Insurance is an important line of business at Patriot Insurance Company. We place great emphasis on having both a comprehensive policy and a competitive price. We offer:

• Competitive Rates – We continually review our rates to ensure we attach the best rate to the best product.
• Rewards – We encourage good driving habits through superior rates for drivers without at-fault accidents or violations.
• Comprehensive Coverage – We continually work to make sure our personal auto customers not only receive good rates but the broadest, most equitable coverage for their dollars.
• Superior Service – Today’s personal auto policyholders expect exceptional service from their agents. We support our agents’ efforts to provide the best service by ensuring quick turnaround time on applications and amendments, multiple billing options and fast, friendly claim service.

Patriot's Boat & Snowmobile Program was designed to protect you against risks every pleasure boater and snowmobile operator faces.

We can insure the following types of boats or snowmobiles:

• Outboard, inboard, and inboard/outboard boats
• Sailboats
• Snowmobiles under 900cc's
• We prefer insuring pleasure vehicles when operated by responsible, experienced adults as part of a complete account.

Broad physical damage coverage is available for boats, motors, boat equipment, snowmobiles and transporting trailers. Liability coverage for property damage, bodily injury and medical payments is also available.

We offer discounts to watercraft premiums for individuals who have completed coast guard training and for those who use certain types of navigational equipment on their watercraft. Plus, all rates have been discounted to allow for seasonal use. Thus, it is not necessary to cancel or rewrite a watercraft or snowmobile coverage seasonally.

Please contact your Patriot Insurance Company independent agent for details on eligibility and premium options.

 

Besides providing coverage for standard cars and trucks, we also provide one of the most competitive Collectible Car policies on the market. Finely tailored coverage with very competitive rates for antique, classic and specialty vehicles make our Collectible Car program the perfect tool for protecting your clients’ “pride and joy” on wheels.

• “Agreed Value” loss settlement on total losses combined with single premium charges for multiple cars and rates based on seasonal use show our policy is in “mint condition” like the vehicles it was designed to insure.

 

Our dwelling fire program provides an avenue for writing homes or residences outside the range of risks covered by our Homeowner policies.

Dwelling fire policies are especially useful for landlords, with options for one or two family dwellings, owner occupied and non-owner occupied dwellings.

Three versions of our dwelling fire policy are available. They differ in the amount of coverage provided and the manner in which losses are settled. However, each includes coverage for the dwelling, any “other structures” on premises (for a specified amount) and fair rental value (for a specified amount).

Policyholders may obtain coverage for other costs that could arise if a rental unit is damaged or someone is injured on the premises. Please see your Patriot Insurance Company independent agent for available options and associated premiums.

 

Patriot Insurance Company Homeowners policies provide a combination of property and liability coverages designed to protect policyholders from the financial consequences of personal loss. We offer a variety of policies tailored to specific needs:

Carriage House
This is our premier home policy designed especially for clients seeking “the best” in insurance coverage. Our Carriage House policy includes many coverages normally purchased separately and a number that are simply not available elsewhere.

Homeowners
This comprehensive policy protects homes of all values. It is our most widely written homeowner product, providing coverage for contents, outbuildings, loss of use, and more. Our Homeowners policy has the flexibility to meet every clients' needs.

Tenant & Condominium
Mirroring our Homeowners policy in scope, Tenant and Condominium policies are tailored for policyholders who have limited or no structural exposure. They provide affordable protection for clients whose greatest concern is contents.

Dwellings Under Construction
Homes under construction present unique risks many don't consider. Our policy protects against those risks, and takes effect the date construction begins. Plus, we make the transition to a Homeowners or Carriage House policy easy.

Considering the litigious nature of our society, a personal umbrella policy is one of the best insurance purchases an individual can make. A personal umbrella policy provides worldwide liability coverage over and above the liability coverage provided by primary home and auto policies. Thus, it is aptly named “umbrella”.

Just a few examples of activities which might increase your exposure to lawsuits, thus furthering your need for a personal umbrella policy, include:

• Owning your own home
• Operating an automobile, boat, or snowmobile
• Owning a swimming pool
• Owning a hot tub

For a relatively inexpensive premium, our personal umbrella policy, with limits ranging from $1 million to $5 million, completes your package of insurance protection.

 

Coverage for Personal Lines

• Home 
• Auto
• Umbrella & More

Savings
At long last you can purchase your personal insurance just as you do any other benefit - through your employer or association. While you gain the benefit of buying in a group, you will have your own policy with rates based on your lifestyle and personal driving experience. There are no routine finance or installment charges added.

Convenience
Group makes premium payment easy. Depending upon your group payments are either payroll deducted or handled via electronic funds transfer from your bank account.

Peace Of Mind
Group Coverage provides you with the assurance that your premiums are paid on a regular basis. Group deductions take the surprises out of your insurance budget. Confidentiality is assured. All policy information remains with Patriot. Additionally, every Patriot policy is backed by prompt and accurate claims service. Our policyholders have the peace of mind in knowing that their claims needs will be managed by knowledgeable, responsive professional, who are prepared to handle their emergency claims needs 24 hours a day. Patriot is rated A+ Superior by A.M. Best.

Group Coverage Offers Options & Savings
Patriot offers a broad range of insurance products in addition to homeowners and automobile policies. Tenants, condominium owners, motor home, snowmobile, boat, and personal umbrella coverages are also available. All policies insured with Patriot are combined under one policy for maximum convenience.

Patriot Can Help You Save Money

• Automatic Employee / Member Discount 
• Account Credit
• No Installment / Service Fees
• Valued Customer Credit (auto)
• Select Customer Credit (auto)
• Home Credit (new and updated homes)

Unique Coverage
Patriot offers the following unique coverages, and more:

• Auto Loan/Lease Coverage
• Auto Protection Plus
• Value Package Endorsement - Home Enhancement
• Value Plus Package - Home Enhancement
• Home Business Endorsement
• Collectible Car Coverage
• Carriage House - Premier Home Policy

Ask Your Employer, Group or Agent About Patriot Group Coverage

This program is competitively priced. As such, some applicants may not be eligible for this program. This program is not a condition of employment or membership. No purchase necessary. The examples shown are for illustrative purposes only. Please refer to the actual policies for specific terms and conditions.