Scottish American Insurance Company was founded in 1936 in New York. It is a subsidiary of Travelers Insurance, one of the largest insurance companies in the world. Scottish American Insurance provides auto, home and renters insurance policies to customers throughout the United States.
Auto Insurance
With Scottish American Insurance, customers can choose from a range of coverage options for their auto insurance policies. These options include liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured motorist coverage.
Liability coverage is mandatory in most states and covers the cost of damage or injuries you cause to others in an accident that is your fault. Collision coverage pays for repairs to your own vehicle in the event of an accident, regardless of who is at fault. Comprehensive coverage is also known as “other than collision” coverage and covers damage to your vehicle from non-accident events such as theft, fire, or weather damage. Personal injury protection covers medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who is at fault. Uninsured/underinsured motorist coverage pays for damages if you are involved in an accident with a driver who does not have insurance, or whose insurance coverage is inadequate to cover the damages.
Scottish American Insurance also offers a number of discounts for customers who qualify. These include safe driver discounts, multi-policy discounts, and discounts for good grades for student drivers.
Safe Driver Discounts
Safe driver discounts are available to customers who have a clean driving record with no accidents or violations in the past three years. Customers who take a defensive driving course may also qualify for a discount.
Multi-Policy Discounts
Customers who bundle their auto insurance policy with another type of policy, such as home or renters insurance, may be eligible for a multi-policy discount. This can help customers save money by combining their insurance policies into one package.
Good Grades Discounts
Students who maintain a high grade point average may be eligible for a good grades discount. This discount is available to students who are under the age of 25 and enrolled full-time in high school, college, or a vocational school.
Home Insurance
Scottish American Insurance also provides home insurance policies to customers throughout the United States. These policies provide coverage for the structure of the home, as well as personal property, liability, and additional living expenses in the event of a covered loss.
Customers can choose from a range of coverage options for their home insurance policies, including standard coverage, replacement cost coverage, and actual cash value coverage. Standard coverage provides coverage for the structure of the home, as well as personal property, liability, and additional living expenses. Replacement cost coverage pays for the cost of replacing the structure of the home and personal property, regardless of their current value. Actual cash value coverage pays for the cost of replacing the structure of the home and personal property, minus depreciation.
Scottish American Insurance also offers a number of discounts for home insurance customers who qualify. These include discounts for installing smoke detectors and security systems, as well as discounts for bundling home and auto insurance policies.
Smoke Detector Discounts
Customers who install smoke detectors in their homes may be eligible for a discount on their home insurance policy. Smoke detectors save lives and reduce the risk of fire damage, so Scottish American Insurance encourages all customers to install them in their homes.
Security System Discounts
Customers who install a security system in their homes may be eligible for a discount on their home insurance policy. Security systems reduce the risk of theft and vandalism, so Scottish American Insurance rewards customers who take these proactive steps to protect their homes.
Multi-Policy Discounts
Customers who bundle their home insurance policy with another type of policy, such as auto insurance, may be eligible for a multi-policy discount. This can help customers save money by combining their insurance policies into one package.
Renters Insurance
Scottish American Insurance also offers renters insurance policies to customers who rent their homes. These policies provide coverage for personal property, liability, and additional living expenses in the event of a covered loss.
Renters insurance is important because it protects the personal property of renters, such as furniture, electronics, and clothing. It also provides liability coverage in the event that someone is injured on the rental property. Additional living expenses coverage pays for the cost of temporary housing and other expenses if the rental property is uninhabitable due to a covered loss.
Customers can choose from a range of coverage options for their renters insurance policies, including standard coverage, replacement cost coverage, and actual cash value coverage. Standard coverage provides coverage for personal property, liability, and additional living expenses. Replacement cost coverage pays for the cost of replacing personal property, regardless of its current value. Actual cash value coverage pays for personal property based on its current value, taking depreciation into account.
Scottish American Insurance also offers a number of discounts for renters insurance customers who qualify. These include discounts for installing smoke detectors and security systems, as well as discounts for bundling renters and auto insurance policies.
Smoke Detector Discounts
Customers who install smoke detectors in their rental properties may be eligible for a discount on their renters insurance policy. Smoke detectors save lives and reduce the risk of fire damage, so Scottish American Insurance encourages all customers to install them in their rental properties.
Security System Discounts
Customers who install a security system in their rental properties may be eligible for a discount on their renters insurance policy. Security systems reduce the risk of theft and vandalism, so Scottish American Insurance rewards customers who take these proactive steps to protect their rental properties.
Multi-Policy Discounts
Customers who bundle their renters insurance policy with another type of policy, such as auto insurance, may be eligible for a multi-policy discount. This can help customers save money by combining their insurance policies into one package.
Frequently Asked Questions
Question |
Answer |
|---|---|
What is Scottish American Insurance? |
Scottish American Insurance is an insurance company that offers auto, home, and renters insurance policies to customers throughout the United States. |
What types of coverage options are available for auto insurance? |
Customers can choose from a range of coverage options for their auto insurance policies, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured motorist coverage. |
Are discounts available for auto insurance policies? |
Yes, Scottish American Insurance offers a number of discounts for customers who qualify, including safe driver discounts, multi-policy discounts, and good grades discounts for student drivers. |
What types of coverage options are available for home insurance? |
Customers can choose from a range of coverage options for their home insurance policies, including standard coverage, replacement cost coverage, and actual cash value coverage. |
Are discounts available for home insurance policies? |
Yes, Scottish American Insurance offers a number of discounts for home insurance customers who qualify, including discounts for installing smoke detectors and security systems, as well as multi-policy discounts for customers who bundle their home and auto insurance policies. |
What types of coverage options are available for renters insurance? |
Customers can choose from a range of coverage options for their renters insurance policies, including standard coverage, replacement cost coverage, and actual cash value coverage. |
Are discounts available for renters insurance policies? |
Yes, Scottish American Insurance offers a number of discounts for renters insurance customers who qualify, including discounts for installing smoke detectors and security systems, as well as multi-policy discounts for customers who bundle their renters and auto insurance policies. |
Conclusion
Scottish American Insurance provides a range of insurance policies to customers throughout the United States. These policies include auto, home, and renters insurance and provide a range of coverage options to suit the needs of different customers. With a focus on customer service and competitive pricing, Scottish American Insurance is a great choice for customers looking for reliable insurance coverage.