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Service
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Service
With over 100 years of experience. Austin Mutual's goal from the initial contact
is to make the customers' interaction positive, so positive that we refer to it
as ACE - "The Austin Customer Experience," our trademark. |
Austin Mutual Online Services
www.austinmutual.com
- Fast, efficient online processing
- Our proprietary Austin Commercial and Personal Lines Rating Tool (ART)
- Access company manuals and policy forms
- Online, phone and EFT premium payment options
Claim Service
Claim reporting available 24 hours a day, 7 days a week for prompt claim handling
call:
1-800-328-4628
Customer Service Center
1-800-328-4628 Ext. 764
Austin Customer Experts are available to respond to your policy processing and
informational inquiries.
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Auto
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Personal Auto
Austin Mutual's Personal Auto policy provides protection - for you and your family.
Austin Mutual automobile
insurance is designed and competitively priced for the
responsible driver.
Policy Features
Personal umbrella liability coverage is available to applicants who maintain personal
liability insurance.
Austin Mutual must write the personal liability, supporting
property coverage and eligible automobile liability.
Principal Personal Auto Coverage(s)
Liability Protection
Pays for Bodily Injury or Property Damage for which any covered person
is legally responsible because of an auto accident. Limits available up to
$500,000 per person/$500,000 per accident for Bodily Injury and $250,000 per accident
for Property Damage.
Medical Payments Protection
(available in select states)
Pays reasonable expenses incurred for necessary medical and funeral services because
of bodily injury.
Personal Injury Protection
(available in select states)
Pays each eligible insured person benefits for bodily injury, loss of income, loss
of services, or death by you or a family member due to an accident.
Uninsured Motorists Protection
Pays damages to covered person for bodily injury resulting from an auto
accident when the other driver is uninsured, but legally liable.
Underinsured Motorists Protection
Pays damages for bodily injury expenses that you are legally entitled to
recover from another driver when that driver's insured is inadequate to cover your
loss.
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Coverage for Damage to Your Auto
Other Than collision (Comprehensive) will pay for damage to your
auto caused by fire, theft, glass breakage, falling objects, windstorm, flood, hail
or vandalism subject to applicable deductible.
Collision coverage will cover the damage to your auto if it collides
with another vehicle or stationary object subject to applicable deductible.
Also if your auto cannot be driven because of a covered loss, temporary transportation
expenses coverage is provided up to $20 per day, subject to a maximum of $600.
Common Optional Coverage(s)
Towing and Labor Costs pay for towing and labor costs incurred each
time a covered auto is disabled. Eligible vehicles must be insured for Other
than Collision" coverage and must not be over 10 years old.
Increased Limits Transportation Expenses (Rental Reimbursement)
pays for expenses incurred by renting a substitute auto and transportation expenses
incurred as a result of loss.
Trailer/Topper/Camper Body Coverage
Extended Non-Owned Coverage for Named Individual
Full Safety Glass Coverage
Auto Loan/Lease Coverage
Antique Autos
Driver and Auto Risk Credits
Safe Driver Discount when no driver in the household has a moving
violation or chargeable accident within the last three years (new business).
Multi-Car Discount applies when our policy insures two or more
private passenger autos owned by the same individual or jointly owned and insured
on the same policy
Supporting Coverage Discount applies when you have a Homeowners
or Mobile Homeowners policy insured with Austin.
Senior Driver Discount for drivers who are age 55 and over.
Accident Prevention Course Credit (available in select states)
for 55 and Alive Course.
Farm Territory Discount applies to private passenger vehicles garaged
and used on a farm.
Good Student Discount (available in select states) if a high school
or college student in your household maintains a minimum "B" or equivalent.
Anti-Theft Discount applies to "Other than Collision" coverage(s)
when your car is equipped with anti-theft devices.
Asset Management Discount based upon exceptional financial management.
Higher Deductibles can reduce premium by selecting a higher deductible
for physical damage coverage on your auto.
Common Loss Deductible (available in select states) this provision
automatically applies one deductible to all coverage(s)/policies affording protection
to the same loss insured within Austin Mutual Insurance Company.
You want security and confidence that your personal vehicles are protected.
Austin Mutual Insurance Company provides affordable, quality protection and service
tailored to meet your individual needs.
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Home
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Homeowners
The purchase of a home represents a major investment, one of the largest
we will make in our lifetime. It is only prudent to take precautions to protect
your home and personal property against loss or damage.
Austin Mutual Offers custom designed Homeowner Programs to fit your individual
needs.
Tenants - Renters Policy
This program is designed for individuals who occupy an apartment or dwelling
as a tenant.
Principle Insurance Protection
Personal Property, Additional Living Costs & Loss of Rent, Personal
Liability and Medical Payments to Others
Unit-Owners - Condominium Owners Policy
This program is designed for individuals who own a condominium unit as
a primary residence.
Principle Insurance Protection
Residence, Personal Property, Additional Living Costs and Loss of
Rent, Personal Liability & Medical Payments to Others
Standard Homeowners Policy
This program is designed for a one to four family owner occupied dwelling.
Seasonal or Secondary residences are also acceptable under this program if we insure
the primary residence.
Principle Insurance Protection
Residence, Private Structures, Personal Property, Additional Living
Costs and Loss of Rents, Personal Liability and Medical Payments to Others. This
policy provides risks for direct physical loss, unless the loss is excluded under
the residence, private structures and additional living costs and loss of rents
coverage.
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Home-Xtra Policy
This program is designed to provide preferred comprehensive single-family
insurance protection.
Principle Insurance Protection
Residence, Private Structures, Personal Property, Additional Living
Costs and Loss of Rents, Personal Liability and Medical Payments to Others.
This policy covers all risks of direct physical loss, with certain exceptions for
the residence, private structures and additional living costs and loss of rents
coverage.
Home-Xtra+ Policy
This program provides maximum coverage for the single-family risk for the
preferred client.
Principle Insurance Protection
Residence, Private Structures, Personal Property, Additional Living
Costs and Loss of Rents, Personal Liability and Medical Payments to Others.
This policy covers risks of direct physical loss, unless the loss is excluded.
Residence
Covers your residence including additions, built-in components and building
materials used for remodeling or repairing your home.
Private Structures
Covers unattached structures that are related to your residence.
Also, fences, driveways, sidewalks and other permanently installed outdoor fixtures
are included.
Personal Property
Covers personal property that is owned by you or in your personal care,
anywhere in the world. However, personal property that is kept at another
residence is limited to 10% of Coverage C.
Additional Living Costs and Loss of Rents
Covers increased costs and loss of rent or fair rental value if you home
becomes inhabitable due to an insured loss.
Personal Liability
Pays on your behalf for damages due to bodily injury or property damage
caused by an occurrence related to your residence or personal activities.
Medical Payments to Others
Pays on your behalf for damages due to bodily injury or property damage
caused by an occurrence related to your residence or personal activities.
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Mobile Home
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Mobile Home
This program is designed for the better than average mobile homes.
Other coverage(s) such as inland marine and optional
liability endorsements may be added to this policy, providing package policy protection.
Basic - Form1
Property Coverage provides for named perils of fire, extended coverage,
vandalism, limited glass and theft with other limited named perils of loss, under
the residence, private structures, personal property and additional living costs
and loss of rents coverage. Personal Liability provides damages due to bodily
injury or property damage caused by an occurrence related to the insured premises or the insured's personal activities. Medical Payments to Others provides
medical expenses incurred by persons who are
not insureds if bodily injury occurs in connection with the insured premises or the insured's personal activities.
Basic - Form 2
Property Coverage provides for named perils of Basic - Form 1 and other
perils
including falling objects; weight of ice, snow or sleet; sudden and accidental
tearing apart, burning or bulging; accidental discharge of liquids or steam; freezing,
sudden and accidental damage from electrical currents; under the residence, private
structures, personal property and additional living costs and loss of rents coverage.
Personal Liability and Medical Payments to Others is provided.
Special - Form 3
Property Coverage provides for risks of direct physical loss, unless the
loss is excluded, under the residence, private structures, personal property and
additional living costs and loss of rents coverage. Provides coverage of perils
of fire, extended coverage and other named perils (same as Broad - Form 2) for
personal property. Personal Liability and Medical Payments to Others is provided.
Tenant - Form 4
Property Coverage provides for perils of fire, extended coverage, vandalism,
theft and other named perils (same as Broad - Form 2) for personal property.
Coverage is provided for the insured's interest in building improvements and betterments
and related costs under additional living costs and loss of rents. Personal
Liability and Medical Payments to Others is provided.
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Mobile Homeowners Credits
- Protective Device Credit, Central Station Burglary and/or Fire Alarm, Fire Department and/or Police Department Alarm, Local Alarms, including smoke and/or gas detection or Sprinkler System.
- Tie Down Credit
- Approved Mobile Home Park Credit
Mobile Homeowners Optional Coverages:
Mobile-Manufactured Home Replacement Cost
Replacement Value Personal Property
Private Structures - Increased Limit
Private Structures - Away From Premises
Accidental Discharge Water-Filled Furniture
Securities higher theft limit
Guns higher theft limit
Business Property higher limit
Motorized Vehicles higher limit
Home Computers
Additional Living Costs and Loss of Rents increased limit
Fire Department Service Charge higher limit
Loss Assesment higher limit
Secured Party's Interest - Additional Coverage
Higher Liability Limits
Additional Residence Premises - Occupied by an Insured
Water Bed Liability
Office, Professional, Private School or Studio Occupancy
Watercraft Liability
Care Provided for Others (1 to 3 persons)
Incidental Farming
Expanded Ordinance or Law Coverage
Automatic Adjustments of Limits
Private Structures - With Incidental Occupancies
Personal Property - Increased Limit
Money higher theft limit
Unscheduled Jewelry, Watches and Furs higher theft limit
Silverware, Goldware and Pewterware higher theft limit
Electronic Devices higher limit
Ice Fishing Houses higher limit
Refrigerated Food Spoilage higher limit
Tenant's Improvements higher limit
Scheduled Personal Property Coverage Inland Marine
Consent to Move Mobile Home Collision or Upset
Additional and Secondary Locations
Domestic Employees
Additional Residence Premises Rented to Others 1-2 family
Business Activities - Not Owned by the Insured
Owned Snowmobiles and ATV's Liability - off premises
Personal Injury
Golf Cart Liability
Farm Personal Liability
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Mobile Homeowners Basic Coverage
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Tenant - Form 4
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Forms 1, 2 & 3
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Residence (minimum limit)
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N/A
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$20,000
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Private Structures
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N/A
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10% of Coverage A
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Personal Property
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$15,000
$20,000 with Replacement Coverage
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50% of Coverage A
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Additional Living Costs & Loss of Rent
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20% of Coverage C
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20% of Coverage A
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Personal Liability $300,000 & $500,000 Options
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$100,000
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$100,000
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Medical Payments $2,000 & $3,000 per person options
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$1,000 per person
$25,000 per accident
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$1,000 per person
$25,000 per accident
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Basic Deductible $500, $1,000 & $2,500 Options
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$250
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$250
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Mobile Home Age Limit
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12 Years
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12 Years - Forms
2 & 3
15 Years - Form 1
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Replacement Value - Personal Property
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Optional
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Optional
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Special Limits on Unscheduled Personal Property
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Money
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$250
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$250
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Securities
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$1,500
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$1,500
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Electronic Devices, Accessories & Anntennas
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$1,500
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$1,500
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Watercraft & Trailers N.O.C. limit applies to each item
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$1,500
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$1,500
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Jewelry, Silverware & Guns (Theft) limit applies to each item
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$2,500
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$2,500
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Business Property
-On Premises
-Off Premises
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$2,500
$250
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$2,500
$250
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Fire Department Service Charge
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$500
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$500
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Credit Card & Grace Markers limit applies to each item
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$1,500
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$1,500
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Refrigerated Food Spoilage
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$500
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$500
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Motorized Vehicle to Service Premises
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$5,000
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$5,000
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Ice Fishing Houses
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$1,500
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$1,500
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Emergency Removal
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Included
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Included
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Building Increase Cost Ordinance or Law
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Included
MN & WI coverage unlimited
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Included
MN & WI coverage unlimited
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Watercraft Outboard Liability up to 50 h.p.
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Included
WI outboard h.p. unlimited
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Included
WI outboard h.p. unlimited
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Personal Injury Liability
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Optional
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Optional
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Dwelling Properties
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Dwelling Properties
Dwelling Properties may be written when we have the primary property and
liability supporting coverage. This program is designed for properties that
are in average or above average condition, with satisfactory maintenance and upkeep.
Prospects for coverage are non-owner (tenant) occupied primary or secondary (seasonal)
dwelling properties.
Policy Features
$250 Minimum Policy Deductible, Maximum Two Family Dwelling and Annual Term.
Principal Coverage(s)
- Residence covers the dwelling, additions, built-in components, attached fixtures
and detachable building items. Coverage also applies to appliances, carpets
and window coverings in rental portions of the dwelling. Tools and equipment
used to service the premises are covered under the residence when the policy does
not otherwise include coverage for personal property.
- Related Private Structures covers unattached structures related to the dwelling,
including their additions, built-in component, fixtures and detachable building
items. Coverage also applies to fences, driveways, sidewalks and other permanently
installed outdoor fixtures.
- Personal Property covers household contents and personal property usual to the occupancy
of the dwelling as a residence.
- Additional Living Costs and Fair Rental Value covers increased living costs and/or
loss of rental value that occurs when an insured loss makes a covered location unfit
for use.
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Optional Coverage(s)- Related Private Structures
- Additional Living Costs & Fair Rental Value
- Earthquake
- Water Damage
- Loss Assessment
- Tenant's Improvements
- Fire Department Service Charge
- Residence Modified Replacement Cost
- Condominium Fixtures, Additions & Alterations
Credits
- Protective Devices
- Superior Conditions
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Umbrella
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Personal Umbrella
The present day life-style involves greater participation in community
activities, meeting more people and more travel than in the past, which results
in greater exposure to risks of loss. In addition, the trend is higher jury
awards. One major lawsuit could wipe out your assets overnight. To
provide a safeguard for this situation, personal umbrella liability coverage is
available.
Eligibility
Personal umbrella liability coverage is available to applicants who maintain personal
liability insurance.
Austin Mutual must write the personal liability, supporting
property coverage and eligible automobile liability.
Coverage Description
Personal umbrella liability coverage is designed to provide worldwide catastrophe
protection in excess of primary personal liability and personal auto liability policies.
Personal umbrella liability coverage is subject to a minimum self-insured retention
of $250. It is written on an annual basis.
Underlying Insurance Requirement
Personal umbrella liability is excess insurance, it is mandatory that underlying
insurance be maintained during the entire term of the personal umbrella liability
policy for limits equal to or greater than those indicated under the minimum "Underlying
Insurance Requirements." Failure to do so makes the policyholder responsible
(self-insured) to the extent of the required underlying insurance.
Liability Coverage
We will pay for damages for which an insured becomes legally liable due
to bodily injury, personal injury or property damage. Damages include pre-judgement
interest awarded against the insured. Liability must arise from an occurrence
covered by the policy and coverage applies only to damages in excess of the minimum
retained limit.
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Defense Coverage
The Company has the right to defend, investigate and settle any claim or
suit seeking damages covered by the policy. The Company may also choose to
participate with the insured or underlying insurer in the handling and defense of a
claim or suit that it believes may involve the umbrella policy. The Company's
duty to defend ends when it has paid claims in an amount equal to the limit of liability.
Limits of Liability
$1,000,000 per occurrence, Uninsured/Underinsured Motorist Coverage available
if requested
$2,000,000 per occurrence, Uninsured/Underinsured Motorist Coverage available if
requested
$3,000,000 per occurrence
$4,000,000 per occurrence
$5,000,000 per occurrence
Underlying Insurance Requirement
The following minimum limits of liability must be maintained during the term of
the personal umbrella liability coverage:
Personal Liability
$300,000 per occurrence combined single limit
Automobile Liability
Private passenger autos and light trucks (10,000 lbs or less)
$300,000 per occurrence combined single limit
$250,000 per person/$500,000 per occurrence bodily injury split limits
$100,000 per occurrence property damage
Uninsured/Underinsured Motorists limit must be the same as automobile liability
limits
Youthful drivers (age 25 or under) with one moving violation within a 3-year
period.
$500,000 per occurrence combined single limit
$500,000 per person/$500,000 per occurrence bodily injury split limits
$100,000 per occurrence property damage
Recreational Vehicles & Snowmobiles not licensed for highway use
$300,000 per occurrence combined single limit
Watercraft
$300,000 per occurrence combined single limit
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