Union Mutual Fire Insurance Company

Union Mutual Fire Insurance Company provides dwelling, flood and fire policies among others to both residential and commercial buildings; and personal property. The company may offer discounts depending on the condition of the house, if constructed not more than 25 years ago; and when you renew the insurance with the company. The Union Mutual Fire Insurance Company offers the Flood policy through the National Flood Insurance Program (NFIP).The company uses local Independent Insurance Agents who are tasked in determining if your property is located in a special flood hazard area and whether your community participates in the Federal program. The agents will also address your coverage issues, advice on what kind of deductibles apply, and how much you should spend on a particular policy. They will then quickly provide you with a quote for coverage. The agent will also help you to understand what the policy covers and does not cover as well as their terms and conditions. You should furnish the company with accurate information and statements about yourself and the property, that could assist them review the policy based on the review.

The Flood Policy

Flood Policy To be eligible for the flood policy, the client’s property is required to be located in communities that participate in the National Flood Insurance Program (NFIP). It is through the NFIP that the Union Mutual Fire Insurance Company is allowed to issue flood insurance policies, instead of accessing issuance directly from the NFIP Program. The flood policy is issued as personal, or commercial insurance.This policy covers building in cases where you have a physical loss to your dwelling due to flooding. It also covers structures that are for personal use and are located on the premises like a garage. Also covered are personal property inside the building, additional expenses if the building is rendered uninhabitable, accidental cover if others are injured or their property is damaged due to negligence.Additionally, you can apply for a policy that covers your specific needs like backup of sewers, drains and more. You can also insure for valuable possessions such as fine arts and jewelry. Home businesses that are operated inside your premises may also be eligible for cover, eliminating the need for a separate business insurance policy.

Filing Claims

Filing Claims Union Mutual Fire insurance Company works through their agents who you can report to if you have any claim. The agent will advise you on the way forward, and the steps you should take to reach the insurance company. The agent will also assist you to deal with flooding immediately after the occurrence. Union Mutual will then compensate you for direct physical loss of your property if you have paid the correct premium, and met their terms and conditions. You can contact the company in Montpelier, Vermont at Tel: (802) 223-5261.