Your Rights

Use of Consumer Reports

Homesite Group Incorporated uses information from consumer reporting agencies such as your credit, claims, and insurance history. This helps us to fairly determine eligibility for our programs and ensure accurate rates for all policies.

Insurance Claims History

We obtain information about insurance claims history from A-PLUS. For information or to dispute any report regarding your insurance claims history, contact the A-PLUS Consumer Inquiry Center at 1-800-709-8842. Note: to protect your privacy, only you can discuss your claims history with A-PLUS (an agent won't be able to do it for you).

Insurance Credit Score

All states (excluding California and Maryland)
We obtain information from Trans Union Corporation to determine your insurance credit score. This inquiry will not affect your credit score, as it is considered a "soft hit". Trans Union can provide a free copy of your credit report, and if you believe that report is inaccurate, they can respond to disputed items, but Trans Union cannot comment on your insurance application.

Trans Union Corporation
Consumer Relations - East
2 Baldwin Place
P.O. Box 1000
Chester, PA 19022
1-800-916-8800

Virginia
In connection with this application for insurance, we shall review your credit report or obtain or use an insurance credit score based on the information contained in that credit report. We may use a third party in connection with the development of your insurance credit score. You may request that your credit information be updated and if you question the accuracy of the credit information, we will, upon your request, reevaluate you based on corrected credit information from a consumer reporting agency.

Extraordinary circumstances (CT, IA, KS, KY, MT, NJ, NV, RI)
If your credit information has been adversely impacted by an extraordinary life circumstance that has occurred within the last 3 years, you may request in writing that we consider this when using your credit information. These extraordinary life circumstances include:

If you believe any of these apply to you and has impacted your credit, you may request in writing that this be taken into consideration. We will require you to provide specific documentation of this circumstance and demonstrate how it has negatively affected your credit. The request must be made no more than 60 days from the date of the application for insurance or the policy renewal. Details about how to make this request will be included with the policy documents you will receive after purchase.

Use of Personal Information

Homesite Group Incorporated uses information from many sources to fairly determine eligibility for our programs and ensure accurate rates for all policies. How we may collect, use and disclose this information is regulated by law. Following is a description of the kinds of information we may collect, how we may collect it, and what is done with the information once it has been collected. We also describe how you can find out what information we have about you in our records or files, and how you can correct inaccurate information. We follow these practices with your information whether you are a policyholder, claimant, former policyholder, or just an inquiring customer.

What kind of information do we collect about you?

We collect some information from you when you call us, complete an application, make a policy change or report a claim. This information, of course, includes identifying information such as name and address, as well as your type of home and claims history.

We may also obtain information such as credit reports, claims history, and investigative reports from other sources including an inspection of your property. The information we obtain about you may come from other insurance companies, insurance support organizations, credit bureaus, property data collection services, or other providers of information.

What do we do with the information collected about you?
We may, as permitted by law, disclose your identifying information in our records or files such as name, address, type of house, and claims history. Without your prior permission, we may disclose this information to certain persons or organizations including:

Your information may be provided to others in the following circumstances, as permitted by law, for them to:

The information we obtain about you from a report prepared by an insurance support organization may be retained by the insurance support organization and disclosed to other sources.

How confidential and secure is the information we have about you?
Homesite protects the confidentiality of the information that we have about you by restricting access to those employees who need to know that information to provide our products and services to you. We maintain physical electronic and procedural safeguards that comply with federal and state regulations to guard your information.

How can you find out what information we have about you?
You have the right to know what information we have about you in our insurance records or files. To obtain this information, provide to us in writing an identification of yourself and a reasonable explanation of the information you desire. If the information can be reasonably located and obtained, we will inform you of its nature and substance within thirty (30) business days from the day we receive the request. You may personally see and obtain the information, or if you prefer, we will mail the information to you. We will also inform you who has received the information within the last two (2) years, or, if not recorded, to whom such information is normally disclosed.

What can you do if you disagree with the information we have about you?
You have the right to make a written request that we correct, delete, or change any recorded information we have about you in our records or files.

If we agree to comply with your request, we will notify you within thirty (30) business days of receiving your request. We will then furnish the amended information to any person you designate, who may have received the information within the past two (2) years, as well as to any person or organization who either supplied us with the information or to whom we disclosed it.

If we are unable to comply with your request, we will notify you within thirty (30) business days of receiving your written request with the reasons for our decision. If you disagree with the reasons for our decision, you have the right to file a concise statement of what you think is correct, relevant or fair information. Your statement will be filed with the disputed information and will be furnished to any person, insurance institution, agent or insurance support organization who either supplied us with information or to whom we disclosed it. Your statement will also be furnished to anyone reviewing the disputed information.

New Mexico only
We may collect information from sources other than you or someone else named in your application. This information may include confidential abuse information; that is, confidential information regarding acts of domestic abuse; the work, home, school, or other address or telephone number of a victim of domestic abuse; an applicant's or insured's status as a victim of domestic abuse; or their status as a family member, employer or associate of a victim of domestic abuse or a person with whom an applicant is known to have a direct, close personal, family, or abuse-related counseling relationship.

Protected Persons
Homesite Group Incorporated and all other insurance companies are prohibited by law from using anyone's confidential abuse status as a basis for denying coverage; refusing to issue, renew, or reissue a policy; canceling or otherwise terminating a policy; restricting or excluding policy coverage or benefits; or charging a higher premium for a policy.

A protected person has a right to request access to any confidential abuse information we have about them in our records or files. A protected person also has a right to request that we correct, amend, or delete any such information we have about them in our records or files. A notice detailing Homesite's confidential abuse information practices is available on request.

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