Established in 2009, Homeowners Insurance Elephant is a new player in the insurance industry, but it carries the strength and backing of its parent company, Admiral Group, Plc. This company has over two decades of expertise in car insurance and a customer base of nearly 4 million spread across seven countries worldwide.
Admiral Group stands as the third-largest auto insurer in the United Kingdom. This substantial experience and global presence provide a solid foundation for Elephant Insurance to deliver reliable and affordable coverage to its customers. So keep reading this article to find this company’s complete review about its coverage. Let’s begin!
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Basic Coverage
Home insurance provides a broad spectrum of coverage options tailored to meet your specific needs. When it comes to saving money on your home insurance, it’s essential to pay only for the coverage that is necessary. Homeowners Insurance Elephant offers a diverse range of home insurance coverage types, including:
1. Dwelling Coverage
Referred to as “dwelling insurance,” this component of your homeowner’s insurance policy provides financial support for the reconstruction or repair of the physical structure of your home. It will cover in the event of damage caused by a covered hazard.
2. Guest Medical Protection
This coverage aims to assist individuals who sustain injuries while visiting your property. It helps cover essential medical expenses resulting from accidents, irrespective of fault. Typically, the covered medical expenses encompass items such as ambulance transportation, X-rays, surgeries, and hospital stays.
It is important to note that guest medical coverage does not extend to individuals residing in the home or those listed on your policy.
3. Liability Coverage
The liability coverage provided by your homeowner’s policy ensures protection against bodily injury and property damage suffered by individuals. This coverage is helpful for which you or any residents covered by your policy are deemed legally responsible.
4. Other Structures Coverage
This component extends coverage to structures situated on your property but not directly attached to your main dwelling. These structures may be separated from the house by an open area or connected by a fence, utility line, or similar connection.
Examples of such structures include detached garages, tool sheds, driveways, swimming pools, gazebos, and fences.
5. Personal Property Protection
Personal property protection is designed to safeguard the belongings inside your home, such as furniture, against damage or loss. In the unfortunate event of damage or loss, this coverage can assist you in covering the expenses involved in replacing these items.
6. Reimbursed Living Expenses
Reimbursed living expenses coverage offers financial reimbursement to the policyholder for the additional costs incurred in maintaining a comparable standard of living. It occurs after experiencing a covered loss that exceeds their regular expenses.
For instance, it includes the coverage of a temporary stay at a motel while repairs are being made due to fire damage, or until the insured finds a permanent residence.
Additional Coverage
Homeowners Insurance Elephant recognizes the diverse needs of homeowners. Thus, it offers the opportunity to customize their insurance policies with the following optional riders or endorsements, providing enhanced protection:
1. Earthquake Coverage
Earthquakes can pose significant risks to your home, personal belongings, and other structures on your property. With earthquake coverage, you can mitigate potential losses and damages caused by seismic activities, ensuring comprehensive protection against this specific natural disaster.
2. Identity Theft Protection
In today’s digital age, the threat of identity fraud is a growing concern. The identity theft protection rider offers homeowners peace of mind by safeguarding them against the consequences of identity theft.
In the unfortunate event of identity fraud, this coverage assists in covering the expenses associated with restoring and recovering the stolen identity. Therefore, it can help to restore their financial and personal security.
3. Valuable Items Coverage
Certain possessions hold not only sentimental value but also significant financial worth. Valuable item coverage provides additional protection for high-value personal property such as rare collections, engagement rings, watches, and other valuable jewelry.
This rider ensures that these prized possessions are shielded from potential risks such as theft, loss, or damage, allowing homeowners to enjoy their valuable items with confidence.
Benefits
Homeowners Insurance Elephant extends a range of benefits to its valued customers, ensuring their satisfaction and convenience. Here are some notable advantages.
1. 24/7 Phone Availability
At Elephant Insurance, exceptional customer service is available at your fingertips, day and night. The dedicated team of professionals is readily accessible around the clock, ensuring prompt assistance and support whenever you need it.
2. Digital Claims Reporting
With Elephant Insurance’s user-friendly digital platform, you can easily and efficiently report claims online. Say goodbye to faxing or mailing physical documents. The digital claims reporting system streamlines the process, allowing you to submit claims conveniently from the comfort of your own home.
These benefits reflect Elephant Insurance’s commitment to providing accessible and modern solutions, enhancing customer experience, and simplifying insurance processes.
How to Purchase Homeowners Insurance Elephant?
Purchasing homeowners insurance is a crucial step in safeguarding your valuable assets. Elephant understands this importance and has established partnerships with multiple providers to ensure you receive the most suitable quote for your specific home insurance requirements.
To initiate the process, you can create a comprehensive inventory of your possessions. This inventory will assist you in assessing the appropriate level of coverage that aligns with your comfort and protection preferences. Once you have a clear understanding of your needs, you can proceed to obtain a homeowners insurance quote.
If you need to get in touch with Elephant Insurance’s customer service team, they can be reached through various channels. For immediate assistance, you can give them a call at 1-855-353-7426. Alternatively, you can reach out to them via email at customerservice@elephant.com.
Their dedicated customer service representatives are available to assist you during the business hours. Feel free to contact them at your convenience, as their team is ready to address any inquiries or concerns you may have.
Interested in Buying Homeowners Insurance Elephant?
In conclusion, if you are considering homeowners insurance, Elephant Insurance is definitely worth exploring. Elephant Insurance’s commitment is showcasing its dedication to making a positive impact. Take the first step towards protecting your home and family by requesting a quote from Homeowners Insurance Elephant today.
