People's Trust Insurance: Exploring Their Auto Insurance Offerings

People's Trust Insurance is a Florida-based company that offers home insurance to Florida residents. The company was founded in 2008 and is headquartered in Deerfield Beach, Florida, providing coverage to approximately 125,000 homes across the state. People's Trust Insurance is not an auto insurance company, but it does provide flood insurance in addition to its home insurance products. The company offers two levels of coverage: a standard comprehensive policy (HO3) and a lower-cost, named perils policy (Basic Choice Coverage). People's Trust Insurance has received mixed reviews and ratings, with an A+ rating from the Better Business Bureau but lower ratings and several complaints on Yelp.

People's Trust Insurance Company offers two types of home insurance policies (HO3 and Basic Choice)

People's Trust Insurance Company offers two types of home insurance policies: HO3 and Basic Choice. The company is a homeowner's insurance provider operating in the Florida insurance market, where it covers approximately 125,000 homes. People's Trust Insurance aims to provide a "better way" of doing business, offering competitive rates, 24/7 emergency services, and a streamlined claims process.

The Full-Service HO3 Policy is a standard Florida home insurance policy designed for owner-occupied homes with values of $100,000 and greater ($200,000 minimum for Miami-Dade, Broward, and Palm Beach Counties). This comprehensive policy includes structure coverage, personal property coverage, and liability protection. Personal property is insured at actual cash value, but the insured can opt to increase coverage to the replacement cost level for an added premium.

The Basic Choice Coverage is a lower-cost insurance option that excludes certain types of coverage, such as water damage and theft. This policy is designed for owner-occupied or tenant-occupied homes with values of $50,000 and greater ($100,000 minimum for Miami-Dade, Broward, and Palm Beach Counties). Basic Choice satisfies most mortgage requirements and can help homeowners better afford their monthly payments. It covers the structure, personal property, and liability, and can also be written for rental properties, offering protection for landlords.

People's Trust Insurance simplifies the recovery process for its policyholders, providing 24/7 emergency repairs and mitigation services through its Preferred Contractor Endorsement. The company's direct repair model means they manage the entire repair process from start to finish, helping homeowners get their lives back to normal quickly after a claim. Policyholders benefit from stress-free claims handling, priority repair service, quality workmanship, and a 3-year, 100% satisfaction guarantee.

The company's claims process is straightforward and convenient, allowing policyholders to submit claims online, over the phone, or through their mobile app. People's Trust Insurance has a 24/7 toll-free claims reporting line, and their Rapid Response Team is dedicated to preventing further damage and providing timely repairs.

The company provides 24/7 emergency claims services to mitigate damage and perform repairs

People's Trust Insurance offers 24/7 emergency claims services to its policyholders. The company's direct repair model means that it manages the entire repair process from start to finish, helping policyholders get their homes back to normal as quickly as possible.

The 24/7 emergency claims services include water mitigation services and emergency repairs. People's Trust Insurance's preferred contractor is always ready to be deployed day or night to make emergency repairs. For example, if a water pipe bursts or there is fire damage, the preferred contractor will be sent out to fix the issue.

The company's Rapid Response Team is also available to policyholders 24/7 for emergency damage mitigation services. This team is dispatched immediately after an insurance claim is filed to prevent further damage and assess the situation. People's Trust Insurance guarantees a three-year satisfaction guarantee on all workmanship done by contractors in their network.

People's Trust Insurance's 24/7 emergency claims services provide policyholders with peace of mind, knowing that they can always count on the company to be there for them in the event of an emergency. The company's commitment to providing prompt and efficient service helps to mitigate damage and perform repairs in a timely manner.

People's Trust Insurance Company has an A+ rating from the Better Business Bureau (BBB)

People's Trust Insurance Company is a homeowner's insurance company that offers Florida homeowners a true one-stop claims and restoration service process. The company has an A+ rating from the Better Business Bureau (BBB) with 68 customer satisfaction complaints on file in the past three years, 20 of which were filed in the past 12 months. People's Trust Insurance is not BBB-accredited, and there are 43 reviews of the company on the BBB page, with an average rating of 1.5 stars. The reviews and complaints are mostly focused on billing issues and policies being cancelled without notice.

People's Trust Insurance offers Florida homeowners insurance as well as claims mitigation and remediation services. The company provides 24/7 emergency mitigation and repair services, with a direct repair model that manages the entire repair process from start to finish for policyholders. This includes emergency water mitigation services, where the Rapid Response Team is deployed to prevent further damage. People's Trust Insurance also offers a Preferred Contractor Endorsement, which provides a 5% reduction in the Non-Hurricane (AOP) portion premium and a 5% reduction in the Hurricane portion premium. This endorsement also provides immediate access to PTIC's emergency response team, whose repairs are guaranteed for 3 years.

People's Trust Insurance offers flexible Florida insurance options to meet a variety of home ownership needs and budgets. They offer two main policy options: the Full-Service HO3 Policy and the Basic Choice Coverage. The Full-Service HO3 Policy is a standard Florida home insurance policy for owner-occupied homes with a value of $100,000 or greater. The Basic Choice Coverage is a lower-cost insurance option that excludes certain types of coverage, such as water damage and theft. This option is designed to help homeowners afford their monthly mortgage payments and can be written for rental properties, offering protection for landlords.

In addition to their insurance products, People's Trust Insurance provides a comprehensive mobile app and online account management platform that allows policyholders to easily access their insurance information, manage their policies, track claims, and communicate with the company instantly.

The company offers a Preferred Contractor Endorsement, which provides a 5% reduction in the non-hurricane and hurricane portions of premiums

People's Trust Insurance is a homeowner's insurance company that provides coverage to approximately 125,000 homes in Florida. The company offers a Preferred Contractor Endorsement, which provides a 5% reduction in the non-hurricane and hurricane portions of premiums. This endorsement is an integral part of the company's business model and provides several benefits to policyholders.

The Preferred Contractor Endorsement gives policyholders immediate access to PTIC's emergency response team, known as the Rapid Response Team. This team is available 24/7 and is dedicated to mitigating damage and coordinating repairs, ensuring a quick and seamless recovery process for homeowners. The endorsement also includes a 3-year, 100% satisfaction guarantee on all repairs, providing peace of mind to policyholders.

By choosing the Preferred Contractor Endorsement, policyholders can save both time and money. The Rapid Response Team's timely intervention helps prevent further damage and reduces the overall cost of repairs. This team of IICRC Certified Technicians provides priority repair service and quality workmanship, ensuring that policyholders' homes are restored to their pre-loss condition as quickly as possible.

In addition to the cost savings and efficient claims handling, the Preferred Contractor Endorsement also contributes to maintaining affordable premiums for all People's Trust Insurance policyholders. The company's unique approach to claims processing and overall preparedness allows them to pass the savings on to their customers, making their home insurance rates more competitive.

People's Trust Insurance Company provides a seamless and convenient claims filing process, allowing claimants to submit claims online, over the phone, or via a mobile app

People's Trust Insurance Company offers a seamless and convenient claims filing process, allowing claimants to submit claims online, over the phone, or via a mobile app. This streamlined process provides policyholders with multiple channels to initiate a claim efficiently and effectively. The company's commitment to making the claims process straightforward and hassle-free is evident through its various filing options.

The online claims submission, accessible through the company's website, offers a convenient way for claimants to file their claims from the comfort of their homes. It allows claimants to provide detailed information about their claim and upload supporting documentation or evidence to support their case. This digital approach enhances the efficiency of the overall claims process.

For those who prefer more traditional methods, People's Trust Insurance Company also provides the option to file claims over the phone. Claimants can call the company's dedicated claims reporting line, available 24/7, and speak directly with a representative. This option ensures that claimants can receive immediate assistance and support throughout the claims process.

Additionally, the company has developed a mobile app that offers enhanced convenience and accessibility for policyholders. The app enables claimants to initiate claims, track their progress, and communicate with the company instantly. The mobile app provides a centralised platform for policyholders to manage their claims and access relevant information on the go.

The variety of claims filing options showcases People's Trust Insurance Company's dedication to providing a seamless and customer-centric experience. By offering multiple channels, the company ensures that policyholders can choose the method that best suits their preferences and circumstances. This flexibility is designed to alleviate any stress or complexity associated with the claims process.

People's Trust Insurance Company's commitment to convenience and efficiency extends beyond the claims filing process. The company also guarantees a prompt response to claims, dispatching its Rapid Response Team to assess the situation and prevent further damage. This rapid recovery system ensures that policyholders receive a swift resolution to their claims, whether large or small.

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