PERSONAL LINES PRODUCT NEWS AND UPDATES We’re listening! For details, please contact your underwriter or territory manager or visit Arbella Connect.™


Arbella’s Better Auto Pricing continues to gain momentum. From August to October, we wrote more than 12,000 auto policies—thank you! As of November 1, our pricing has gotten even better; quote us today and see the difference yourself! See Page 3 for details.


Carpartment Success Continues! Arbella’s independent agents wrote 6,107 Carpartment policies since January 2013—thank you! Of these, 88% included the auto and were eligible for Arbella’s Auto Rewards endorsement and a 22% account credit on their renters policy. Additional features include: a 5% Auto Rewards loyalty credit; no installment fees on HO-4 policies; and our Renters Protection Package, which conveniently bundles three endorsements to provide extra coverage protection for Coverage C limits of $50,000 or less.


Easier Eligibility and New Discounts on Condo! Arbella’s First Time Condo Credit is now called New Condo Policy Credit and applies to any owner-occupied condo policy (HO-6) that is new to Arbella. More of your customers will save 7% on new business and 3.5% on the first renewal.


Save Even More with Arbella Advantage The Arbella Advantage discount applies to any customer who is new to Arbella, saving insureds 7% on new business and 3.5% on the first renewal. Use it for new customers or to win back those who have left Arbella.


Coming Soon—Effective January 2015 Arbella’s Auto Rewards endorsement will increase from 22% to 25% on HO-3, 4, and 6 policies.


The Loss Assessment Deductible coverage limit will increase from $2,500 to $5,000 at no additional cost to ease the burden of larger assessments from the HO-6 Condo master policy.


Homeowner, Renter, and Condo policies will experience an overall 2.6% increase. Account business will see an increase of only 2.1% for HO-3, while account HO-4 will decrease by 1.8% and account HO-6 will decrease by 3.8%.


In partnership with IDT911, Arbella will now offer identity theft management and fraud education services to your customers, at absolutely no charge! This endorsement is automatically included on HO-3, 4, and 6 policies that have identity theft coverage.


WIN


COMPETING AGAINST DIRECT WRITERS Over the past year, Jim Hyatt, vice president of Arbella Personal Lines, and Erin Schaaf, assistant vice president of Personal Lines Product, have visited countless agencies to present and share information about direct writers’ practices and how agents can successfully compete and win back customers in this challenging environment. “It is possible to effectively beat GEICO and Progressive, and many of our agents are proving this point,” says Jim. Typical practices by these direct writers include rates that may increase after a six-month renewal; failing to file 2A forms, which result in customers being ticketed; and claim service that is unsatisfactory compared to Arbella’s superior claim service. If you would like Jim and Erin to visit your agency, please contact jim.hyatt@arbella.com. To learn more about launching an effective win-back campaign, contact Jackie Springer at jacquelyn.springer@arbella.com.


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