We are knowledgeable with 55 different regions, perils, and business lines. By using our combined knowledge, we have been able to create niche and unique programs across the U.S. Our team has a combined average of 30 years experience in Underwriting in all of our programs. We are motivated to see our customers happy and the company successful because 100% of the equity is owned by employees.

Each of our carriers has an individual rating. Recently, Producers National and its affiliated companies has been rated by Kroll/KBRA (BBB- Outlook Stable) with over $44 million in statutory surplus. Kroll Bond Rating Agency is a global full service rating agency established in 2010 that is dedicated to assessing risk and offering timely and transparent ratings.

You can pay by sending it in the mail, giving it to the agent, or calling the agent or company and making a payment over the phone. We accept checks, money orders, debit and/or credit cards that include Visa, Mastercard, and Discover. You can even make a payment online by clicking the 'Make a Payment' button at the top of page.

We recommend contacting your agent directly. However, in rare circumstances, you can also contact the company and speak to a representative.

Your deductibles are listed on your declarations page of your policy. The declarations page is the same page that lists your effective date, policy number, and coverage limits. When you have questions such as these, we recommend contacting your local agent or customer service representative.

1. You can call us first and report the loss at 888-854-9859
2. You can go to our website and file it through the online form under the claims tab
3. You can contact your agent and they can assist you in filing the claim

Flood insurance is usually a separate policy that covers losses directly resulting from flooding or flood related erosion caused by heavy or prolonged rain, snow melt, coastal storm surges, blocked storm drainage systems, levee dam failure, and similar events. All of our homeowner and manufactured home policies EXCLUDE flood coverage.

1. Location- Homes located nearer to higher risk areas (coastal, tidal rivers and canals, and extremely dense populated areas) or in extreme remote areas (isolated with no neighbors, can't be seen from public road or edge of forest) can see higher insurance costs. Higher population areas generally have higher construction costs while remote areas may have no hydrants or water source for fires. Coastal homes have a higher risk of Flood and Hurricane / Wind related losses.
2. Weather- Areas that are prone to the likelihood of a catastrophic event such as a hurricane, tropical storms, tornadoes, and/or hailstorms typically see higher rates.
3. Home Characteristics
   1. Age of Home- Age of home and roof are key factors. The older the home and/or roof, the more likely a rate surcharge will be applied to a policy.
   2. Value of Home- The higher the value of your home, the higher the costs.
   3. Additions- Attached garages, swimming pools, and screen rooms all add to the value of the home but also add to the increase in costs.
   4. Construction Type- The construction of the home affects your rate as well. Masonry, brick, and concrete block homes are generally less expensive in rate than stucco, vinyl, or wood siding.
4. Deductibles- The higher the deductible the more risk you take on the lower the rate. Low deductibles mean higher costs. There can be multiple
5. History- Prior losses filed by previous owners or you, can greatly affect rates of eligibility. Some claims such as "acts of god" (tornadoes, hurricanes, etc.) do not cause rate changes. But losses like theft, dog bite liability, fire or water damage can have huge effects on rate. Always take this into account before filing a claim. Even if no money is paid, the claim will still show up in CLUE reports. Personal credit history can also play a factor. Some carriers use credit for a basis of eligibility. Credit scores can increase or decrease rates in these cases.
6. Discounts- You can lower rates through various discounts. Always check with your agent to see which ones you qualify for. A few examples: Central station alarm, retired, loyalty, multi-policy, claims free, wind mitigation, gated community, and hip roof.