Frequently Asked Questions
About 21st Century Homeowners Insurance Program

Q. Who are you?
A. The 21st Century Homeowners Insurance Program was founded through a partnership of 21st Century Insurance and Homesite Home Insurance. We focus on the needs of homeowners, renters, and condominium owners.  It's all we do.  Our commitment to you gives us the ability to tailor all aspects of our operations to your needs, resulting in greater efficiency and improved customer service.  Homesite markets its products through strategic partnerships with nationally recognized insurance, mortgage and financial services companies, as well as partnerships with affinity groups, employers, and other selected business partners. We understand your needs, and we have the resources to make our expertise work for you.

Q. How long have you been in business?
A. Homesite Insurance Group was founded in 1997 and began selling policies in mid-1999.  Focusing exclusively on the homeowners market, Homesite has concentrated on addressing problems long associated with the homeowners insurance business: high fixed costs, limited distribution channels, and minimal technological innovation. Homesite continues to bring cutting-edge technology, innovative marketing and distribution strategies, and expertise in catastrophe management to the home insurance business.  As a result, Homesite can provide consumers across the country with quality insurance products and outstanding customer service.

Q. What is your financial rating?
A.  Homesite has received an initial rating of A' (Unsurpassed) from Ohio-based Demotech. This Financial Stability Rating® indicates that Homesite's balance sheet reflects excellent liquidity, an acceptable level of financial leverage as measured by total liabilities to statutory net worth and a balanced portfolio of insurance products. Demotech is a national independent actuarial service firm that rates the financial stability of all P&C insurance providers within the United States. Demotech's Financial Stability Analysis Model, which determines the financial stability of P&C insurers, has been accepted by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac), since 1989. For further information about our financial stability, please contact Demotech directly at (614) 761-8602, or visit their website at www.demotech.com for more information.

Q. Why is the 21st Century Homeowners Insurance Program a smart choice for my insurance needs?
A. Our goal is to provide quality service and products at competitive prices. Customers can enjoy a full array of discounts, including discounts for new homeowners and retirees. We provide discounts to consumers who have safety and protective devices such as fire and burglar alarms, sprinkler systems, and dead bolts installed in their homes.

Q. Can I speak to a Home Insurance representative about my home insurance needs?
A. Yes, our team of licensed Insurance Specialists will work with you every step of the way, making sure you get the right policy for your unique needs. Contact an Insurance Specialist at 1-877-834-7532 and get personalized assistance with:

• Determining the right amount of coverage needed to rebuild your home and replace your valuables if they are ever damaged or stolen.
• Custom-designing a policy with the options and features you want and need.
• Determining your eligibility for special discounts, like our new homeowner and home security discounts, for additional savings on your coverage.

Our licensed Insurance Specialists are available to provide you with a free home replacement cost analysis, free no obligation quotes or to answer any of your questions.