Discover Property & Casualty Insurance Company, Connecticut: Overview, Contacts, Services, Financials, Coverage, FAQs

If you are looking for a trustworthy and reputable insurance company that offers a wide range of products and services, you might want to consider Discover Property & Casualty Insurance Company.

An image illustration of Discover Property & Casualty Insurance Company
Discover Property & Casualty Insurance Company offers property insurance

This company has been in the insurance industry for over four decades and has a proven track record of providing quality coverage and excellent customer service.

In this blog post, we will discuss some of the key aspects of Discover Property & Casualty Insurance Company, such as its history, basic information, services and products, financial details, coverage details, and claims process.

Discover Property & Casualty Insurance Company Details

Discover Property & Casualty Insurance Company was founded in 1979 in Hartford, Connecticut

It is a subsidiary of The Travelers Companies, Inc., one of the largest providers of property and casualty insurance in the United States

The company operates under the leadership of Daniel S. Frey, who serves as the president and chief executive officer

The company has a market share of 0.06% and ranks as the 144th largest property and casualty insurer in the country

Discover Property & Casualty Insurance Contacts

Here is a table that summarizes some of the basic information about Discover Property & Casualty Insurance Company:

Category Information
Phone Number (860) 277-0111
Address One Tower Square, Hartford, CT 06183
Customer Service Contact (800) 842-5075
Policy Details Varies by insurance type and state
Email Address Not available
Fax Number (860) 277-7005
Operating Hours Mon-Fri, 8:00 AM – 5:00 PM (Eastern Time)

 

Discover Property & Casualty Insurance Services and Products

Discover Property & Casualty Insurance Company offers various types of insurance products for individuals and businesses. Some of the insurance products that the company offers are:

  • Auto Insurance: Provides liability, collision, comprehensive, medical payments, uninsured motorist, rental, and more for vehicle protection.
  • Home Insurance: Covers dwelling, property, liability, loss of use, identity theft, and special property coverage for homes.
  • life insurance: Ensures family’s financial security with term, whole, universal, and survivorship life insurance options.
  • Business Insurance: Protects businesses with property, liability, workers’ comp, and more, including cyber and employment practices liability coverage.

Discover Property & Casualty Insurance Financial Details

The premium costs of the company vary depending on the type of insurance, the coverage amount, the deductible amount, the policy term, the location, the age, the driving record, the credit score, and other factors.

You can get a quote online or by calling the customer service number. The company offers various payment options for your convenience.

You can pay monthly, quarterly, semiannually, or annually.

You can also pay by check, credit card, electronic funds transfer, or online payment.

The company also offers discounts and promotional offers to help you save money on your insurance premiums.

Some of the discounts that the company offers are:

  • Multi-policy discount: You can get a discount if you have more than one policy with the company.
  • Safe driver discount: You can get a discount if you have a good driving record and no accidents or violations.
  • Good student discount: You can get a discount if you are a student who maintains a good academic performance.
  • Homeowner discount: You can get a discount if you own your home or condo.
  • Anti-theft device discount: You can get a discount if you have an anti-theft device installed in your vehicle.
  • Defensive driving course discount: You can get a discount if you complete an approved defensive driving course.

The claim payout ratio of the company is 64.7%, which means that it pays out 64.7% of its premiums in claims

This indicates that the company is efficient in handling claims and has enough reserves to pay its policyholders.

Discover Property & Casualty Insurance Coverage Details

Discover Property & Casualty Insurance Company offers comprehensive and flexible coverage options for its customers.

You can customize your policy according to your needs and preferences.

However, you should also be aware of the policy exclusions, coverage limits, and add-ons or riders that may apply to your policy.

Policy exclusions are the situations or events that are not covered by your policy. Some of the common policy exclusions are:

  • Intentional or fraudulent acts
  • War or terrorism
  • Nuclear hazards
  • Wear and tear or depreciation
  • Government actions or confiscation
  • Earthquakes or floods (unless you have a separate policy for these perils)

Limits

  • Liability limit: This is the maximum amount that your policy will pay for bodily injury or property damage that you cause to others in an accident.
  • Collision limit: This is the maximum amount that your policy will pay for the damage to your vehicle caused by a collision with another vehicle or object.
  • Comprehensive limit: This is the maximum amount that your policy will pay for the damage to your vehicle caused by other perils, such as fire, theft, vandalism, hail, or animal collision.
  • Medical payments limit: This is the maximum amount that your policy will pay for the medical expenses of you and your passengers in an accident, regardless of fault.
  • Uninsured/underinsured motorist limit: This is the maximum amount that your policy will pay for the bodily injury or property damage that you suffer in an accident caused by a driver who has no insurance or insufficient insurance.
  • Dwelling limit: This is the maximum amount that your policy will pay for the damage to your home caused by a covered peril.
  • Personal property limit: This is the maximum amount that your policy will pay for the damage to or loss of your personal belongings in your home caused by a covered peril.
  • Liability limit: This is the maximum amount that your policy will pay for the bodily injury or property damage that you cause to others on your property or as a result of your personal activities.

FAQs

Here are some of the frequently asked questions about Discover Property & Casualty Insurance Company:

Q: How can I contact Discover Property & Casualty Insurance Company?

A: You can contact Discover Property  by phone, mail, email, or online. Here are some of the contact details:

  • Phone: (860) 277-0111 or (800) 842-5075
  • Mail: One Tower Square, Hartford, CT 06183
  • Email: Not available
  • Online: [Discover Property & Casualty Insurance Company website]

Q: How can I get a quote from Discover Property & Casualty Insurance Company?

A: You can get a quote from Discover Property  online or by phone. You can also contact an agent to get a quote.

To get a quote online, you need to provide some basic information about yourself, your vehicle, your home, your business, or your life insurance needs.

To get a quote by phone, you need to call the customer service number and speak to a representative.

Q: How can I make a payment to Discover Property & Casualty Insurance Company?

A: You can make a payment to Discover Property online, by phone, by mail, or by electronic funds transfer.

You can also set up automatic payments for your convenience.

To make a payment online, you need to log in to your account and follow the instructions.

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