Praetorian Insurance Company is property & casualty insurer that works under the roof of QBE North America as part of QBE Insurance Group Limited. The group has branch offices in 38 countries worldwide with more than 16,000 employees. It is one of the biggest insurance groups in the international market, parenting more than 45 subsidiaries. Product diversification plays the major part in QBE’s overall business strategy. Despite differences in insurance regulations in different countries, QBE with all its subsidiaries implement standardization of services, allowing for better control and management at the enterprise level. Types of coverage available from the branches are more or less the same with those from the parent company.
Property & Casualty coverage includes Home Insurance, and Praetorian Insurance Company offers home coverage in six different categories as follows.
Building Insurance covers the central parts of the overall structures or properties including the house, pool, perimeter walls, garage, any building with direct connection to the main house, and outbuildings as well. The company also offers multiple options to increase the total value of the coverage. The financial protection is worth not only the value of the house but also the cost of rebuilding in case of total damage.
Insurance perils in building insurance policy are:
|· Fire||· Theft||· Falling tree, aerial, or branch|
|· Explosion||· Malicious damage and vandalism||· Thunderbolt and lightning|
|· Water and other liquid||· Riot||· Tsunami and earthquake|
|· Collision||· Flood or rain||· Storm|
Primary benefits of home coverage by Praetorian Insurance Company:
Optional benefits in addition to the principal ones are as follows:
If building insurance is protecting the structure of your house, content insurance protects everything inside it. It can include carpets, entertainment devices, clothing, lawn mower, and furniture pieces. You decide which items to insure, and the company provides the policy according to your personal specifications. The procedure is useful if you have a large number of collectible items. In some cases, for examples, natural disasters including flood or fire, the structure of a building can be intact but many household items are not water or fire resistant. To protect from such losses, Contents Insurance provides the necessary coverage. There is also a possibility that the total value of most items inside a house is worth more than the house.
Optional benefits of Contents Insurance from Praetorian Insurance Company:
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Praetorian Insurance Company also offers a combination of home and contents insurance in one policy. It allows homeowners to pay one excess and make everything more manageable. The total premium for the home and contents insurance is less than the cost of separate policies, too.
Foremost benefits of building and contents insurance are:
– Extra cover of up to 30% in the event of total loss – Debris removal coverage
– Environmental benefits during home improvement projects – Fusion cover
– Coverage for damages to door keys and locks – Temporary accommodation cost
– Coverage for veterinary expense – Damages to guests’ properties
– Legal liability of up to $30 million – Glass breakage due to accidental damage
– Coverage for appliances, accessories, and spare parts – Rebuilding cost
– Coverage for contents in storage for up to 3 months – Discount for standard policy
– Mortgage discharge fee coverage – Food or medicine spoilage coverage
– Up to 14 days of cover when moving to a new home – Coverage for loss credit cards
Apart from those three categories, Praetorian Insurance Company provides three more policies including Valuables Insurance, Home Contents Insurance for Strata Property, and Property Insurance for Landlords. Valuables Insurance is a separate system, not as part of home and contents insurance above. This is a policy to protect your valuables when you are away from home.