You can file a claim by calling our 24/7 claims hotline at 1-800-SECURE-SHIELD, through our mobile app, or by logging into your online account. Our team will guide you through the process and help you with all necessary documentation.

Insurance rates are based on several factors including coverage amount, deductible, your personal or property details, claims history, and in some cases credit history. Each insurance type has different rating factors - for example, auto insurance considers your driving record while health insurance considers your age and lifestyle.

Yes! We offer multi-policy discounts when you bundle home and auto insurance or other combinations. Bundling can save you up to 25% on your premiums while simplifying your insurance management with one provider for all your needs.

There are several ways to lower your premiums: increasing your deductible, taking advantage of discounts (safe driver, claims-free, bundling), maintaining good credit, improving home security features for homeowners insurance, or choosing a usage-based auto insurance program where your driving habits can earn you discounts.

Standard home insurance policies typically don't cover flood or earthquake damage (separate coverage is needed), normal wear and tear, intentional damage, infestations, or damage from poor maintenance. High-value items like jewelry or art may need additional coverage through a rider. Business equipment used at home also usually requires separate coverage.