{"id":2,"brandingFolder":"agent","clientAsgNumber":null,"clientServicingSystem":null,"clientId":4,"name":"Agent","isSSP":true,"ssnRequiredForAuthentication":false,"clientLoanLength":null,"helpEmail":" ","phone":null,"localPhone":" ","address":"","fax":null,"message":"

This website utilizes technologies that require modern web browsers. For a better experience using MyCoverageInfo, please use Chrome, Safari, Edge, or Firefox.

","brandingCss":null,"brandingLogo":"https://stcdnmciprodssjgb1lt.blob.core.windows.net/mci4-selfserve-logos/4037F792-2BE3-42A9-AA8E-7E1995A0CE1A.svg?sv=2024-08-04&st=2026-05-22T03%3A28%3A42Z&se=2026-05-22T03%3A40%3A42Z&sr=b&sp=r&sig=6L3XU%2FCBysAB28q9EjAFd%2Fe8zYC9FZpNw3BEuJcMhZQ%3D","hours":"","lastModifiedOn":"2024-04-25T13:00:35.807","systemInfo":null,"showPolicy":false,"showPayment":false,"showLPI":false,"showChat":true,"showChatAgent":false,"showSMS":false,"showManual":false,"showLPILetters":false,"isEmailRequired":true,"alternateASGNumber":null,"messageHeader":"Internet Explorer Support Changes, please read.
","showPaymentDetails":false,"autoLogoutTimer":900,"autoLogutIdleTimer":60,"customCaptions":"","bannerHeader":"Access Insurance Policy Information","bannerDescription":"Review policy information, update evidence of insurance, get up to date payment status, or submit new policy documentation","maxLoanPadding":10,"showEndorsement":false,"endorsement":"","newRedirectUrl":null,"isMultiASGSearch":false,"servicingSystem":"NA","startDate":null,"endDate":null,"isActive":true,"content":{"carrierUpdateWhy":"You received this letter because our records show you currently have two insurance policies in effect, and we have paid a premium on both. Because payments were made on both policies, it may cause a shortage in your escrow account which can increase your monthly payment.","carrierUpdateToDo":"If you have not done so already, contact your insurance agent and cancel the insurance policy you no longer want. In order to avoid an escrow shortage later, if you received a refund check from your insurance provider, endorse it (sign the back) and send it to the address on your letter.","deductibleWhy":"As part of your mortgage agreement and to protect your investment, most mortgages require you to maintain a homeowner’s insurance policy with a specified amount and type of coverage and with limits on the maximum deductible. After a routine check, we are contacting you to advise your homeowner’s deductible exceeds the maximum allowed. Please see your letter for your specific deductible requirements.","deductibleToDo":"Contact your insurance agent or insurer to lower your deductible to the requirements outlined in your specific letter. When you’ve decreased your deductible, you or your agent should log in and submit the policy declaration page to update your account.","preExpirationCancellationWhy":"We are reaching out to let you know that we have not received your current insurance information, and we need it for our records.","preExpirationCancellationToDo":"Contact your insurance agent to obtain coverage. After you have secured a policy, log in and submit the policy declaration page to update your insurance information. Once this document has been received your LPI policy will be cancelled.","insufficientCoverageWhy":"To ensure your home has adequate insurance coverage (called dwelling coverage), we periodically review your insurance policy. Currently, your homeowner’s insurance policy does not meet our coverage requirements.","insufficientCoverageToDo":"Contact your insurance agent or insurer to increase your dwelling coverage. Your policy should: *Include “a guaranteed replacement cost endorsement,” which provides coverage that fully protects your home, or *Include the minimum coverage amount as communicated in the letter. Once you’ve increased your coverage, you or your agent can login to submit the policy declaration page to update your insurance information.","lenderPlacedWhy":"Your mortgage agreement requires you to maintain insurance on your property. If your mortgage lender doesn’t have evidence that adequate insurance is in place, lender-placed insurance (LPI) will be purchased to protect the property. Generally, LPI policies do not include coverage for contents or liability and are usually more expensive.","lenderPlacedToDo":"Contact your insurance agent to obtain coverage. After you have secured a policy, log in and submit the policy declaration page to update your insurance information. Once this document has been received your LPI policy will be cancelled.","loanStatusPaidInFullMsg":"This loan has been paid in full. Please contact the insured party with any additional questions.","loanStatusServiceTransferMsg":"The loan you have searched for is no longer serviced by this site. Please contact the insured party with any additional questions.","loanStatusServiceTransferOrPifMsg":"The loan has been paid in full or loan is no longer serviced by this site. Please contact the insured party with any additional questions.","loanStatusIsCommercialMsg":"Unable to service commercial loans.","browserForGeneralMessage":[2],"exitSurveyUrl":"https://www.inmoment.com/websurvey/2/begin?gateway=MCIExit&oc=MCIExit&IsAgent=true","inPageSurveyUrl":"https://www.inmoment.com/websurvey/2/begin?gateway=MCIInPage&oc=MCIInPage&IsAgent=true","loanExcludedMsg":"This policy information is not available for review on this site. Please contact your lender or agent for information.","loanExcludedMsgTitle":"Policy Information Not Available","updateTrackerStep1SubmittedTitle":"Policy Document Submitted","updateTrackerStep1SubmittedDescription":"Submitted: {0}","updateTrackerStep1CompletedDescription":"Completed: {0}","updateTrackerStep2UnderReviewTitle":"Policy Document Under Review","updateTrackerStep2UnderReviewDescription":"This process typically takes 2-5 business days
from time of submission to completion.

Estimated completion date by: {0}","updateTrackerStep2ReviewedDescription":"The policy document has been reviewed and processed.","updateTrackerStep3SubmittedTitle":"Policy Document Processed Successfully","updateTrackerStep3SubmittedDescription":"Once successfully processed,
the policy will be updated below
and no further action will be required.","updateTrackerStep3SuccessfulTitle":"Policy Document Processed Successfully","updateTrackerStep3SuccessfulDescription":"The Policy Document was successfully processed.
Policy information can be reviewed below and
if correct, no further action will be required.

Completed: {0}","updateTrackerStep3UnsuccessfulTitle":"Policy Document Unable to Process","updateTrackerStep3UnsuccessfulDescription":"We have reviewed the recently submitted document and are unable to proceed with updating the policy information.
Please review the declarations page, ensure its for the period in question and then resubmit.","verituityPaymentTitle":"Ready to Register for Digital Payments?","verituityPaymentDescription":"For faster payments, we are now offering digital payments options. Click below to check your eligibility to register into the platform.","verituityPaymentDialogTitle":"Register for Digital Payments","verituityPaymentDialogContent":"You will be taken to our partner site to begin the verification process. Once complete, an invitation email will be provided to complete registration.","verituityPaymentURL":"https://mycoverageinfo.com/hoipremiumdirect","contentFaqDigitalPayment":[{"question":"Digital Payments?","answer":"Digital payments are fast and secure payments directly to your business account. We currently offer virtual credit card and ACH payment methods. The payment details are provided to your payment dashboard at https://hoipremiumdirect.com/ and can be downloaded for faster processing.","groupId":0,"sortOrder":1,"loggedIn":0,"isVisible":null,"videoId":null,"videoName":null,"videoPoster":null},{"question":"What are the benefits of Digital Payments (HOIPremiumDirect℠)?","answer":"","groupId":0,"sortOrder":2,"loggedIn":0,"isVisible":null,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Digital Payments Here's what to expect - Registration","answer":"After clicking the link you will be asked to provide identifying information about your business and yourself. The information will be verified and an official invitation to register into the platform will be sent from Assurant noreply@hoipremiumdirect.com.","groupId":0,"sortOrder":3,"loggedIn":0,"isVisible":null,"videoId":null,"videoName":null,"videoPoster":null},{"question":"What if I have trouble registering for Digital Payments?","answer":"Contact HOIPremiumDirect℠ by emailing us at support@HOIPremiumDirect.com for assistance.","groupId":0,"sortOrder":4,"loggedIn":0,"isVisible":null,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Did you receive an Email?","answer":"If you received an email inviting you to the Digital Payments platform, HOIPremiumDirect℠ , please follow the instructions to begin the registration process to take advantage of this great option. You can also register directly by going to https://mycoverageinfo.com/hoipremiumdirect .","groupId":0,"sortOrder":5,"loggedIn":0,"isVisible":null,"videoId":null,"videoName":null,"videoPoster":null},{"question":"How do I view payments?","answer":"You will receive a notification from Assurant noreply@hoipremiumdirect.com that your payments are ready to be processed. You can then log into your payment dashboard at https://hoipremiumdirect.com/ to review the transaction and see previous transactions. Once payments are processed via HOIPremiumDirect℠, they will also be reflected in the policy dashboard on mycoverageinfo.com.","groupId":0,"sortOrder":6,"loggedIn":0,"isVisible":null,"videoId":null,"videoName":null,"videoPoster":null},{"question":"What if something is wrong with my Digital Payment (for example, wrong amount)?","answer":"If you believe your payment is in the wrong amount or you have not received your payment, please contact Support at support@hoipremiumdirect.com for assistance.","groupId":0,"sortOrder":7,"loggedIn":0,"isVisible":null,"videoId":null,"videoName":null,"videoPoster":null}],"contentFaq":[{"faqGroupId":13,"faqGroup":"General Questions","faqGroupSort":1,"faqList":[{"question":"What if my policy is not updated or I cannot see that my document was processed?","answer":"Please allow 2-5 business days after submission for processing. Your policy information should include effective date, expiration date, premium amount, insurance company, kind of policy (peril), coverage amount, (and deductible if available).\n

\nTo ensure we are able to match your document to your loan/policy:\n

\nIf your loan is new, recently refinanced, or recently transferred:\nplease allow up to 30 days for loan information to be updated and available to us. No action may be required during this time.\nIf it has been more than 30 days have passed, please resubmit your document and include your loan number, property address, or name as shown on your loan documents.\nOnce your loan information is updated, you will be able to review it on mycoverageinfo.com. You can check your status or resubmit information at MyCoverageInfo.com.\n

\nOR\n

\nIf your loan is not new, recently refinanced, or recently transferred:\nEnsure Name, Policy Number, for best results make sure your loan and property address is included.","groupId":13,"sortOrder":1,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"What is lender-placed insurance?","answer":"Your mortgage agreement requires you to maintain insurance on your property.\n If your mortgage lender doesn't have evidence that adequate insurance is in place, lender-placed insurance (LPI)\n will be purchased to protect the property. Generally, LPI policies do not include coverage for contents or liability\n and are usually more expensive. Your monthly mortgage payment will reflect any increase in premium.\n

\nFor more information, check out this short video here.\n\n

\n If you don't have insurance on your property, we urge you to contact your insurance agent to obtain coverage. Once you've\n obtained coverage, you or your agent can log in and submit the policy declaration page to update your insurance information.","groupId":13,"sortOrder":2,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"How do I cancel my lender-placed insurance policy?","answer":"Lender-placed insurance can be canceled by providing evidence of adequate insurance coverage.\r\n Please log in and submit the policy declaration page to update your insurance information.","groupId":13,"sortOrder":14,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Will I receive a refund if I cancel my lender-placed insurance policy?","answer":"You are only responsible for the number of days the LPI policy was in effect. Any unused premium paid will be refunded, and your escrow account will be credited. If there is no lapse in coverage, you will not be charged.","groupId":13,"sortOrder":15,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Steps to avoid a Lender Placed Policy if you have coverage?","answer":"Call your homeowners insurance company or agent to confirm there is coverage on your home and, as instructed by your lender, provide evidence of that coverage.","groupId":13,"sortOrder":16,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Where do I go to report a claim check for my property?","answer":"In most cases, you can report an insurance claim check for your property loss by visiting www.insuranceclaimcheck.com","groupId":13,"sortOrder":17,"loggedIn":3,"isVisible":false,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Steps to avoid a Lender Placed Policy if you no longer have coverage?","answer":"If you no longer have insurance coverage, take action immediately to obtain an insurance policy on your home. As instructed by your lender, provide them evidence of that coverage.","groupId":13,"sortOrder":17,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Steps to avoid a Lender Placed Policy If you have recently changed insurance companies?","answer":"Contact your homeowners insurance company or agent to confirm your new policy has your lender's information listed on the policy and, as instructed by your lender, provide evidence of that coverage.","groupId":13,"sortOrder":19,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Steps to avoid a Lender Placed Policy if you are having trouble obtaining insurance?","answer":"If you are having trouble obtaining insurance, your state FAIR plan may be an option. For more information about state FAIR plans, click here.","groupId":13,"sortOrder":20,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"I received a letter stating I need to send you a copy of my current insurance policy. How do I provide this?","answer":"Your lender requires homeowners with a mortgage to carry insurance ensuring you have enough financial protection for\r\n your home. They also usually require proof once a year. You or your agent can log in and submit the policy declaration page to\r\n update your insurance information.","groupId":13,"sortOrder":21,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"I received a letter stating I have insufficient coverage. What should I do?","answer":"Contact your insurance agent or insurer to increase your dwelling coverage. Your policy should:\n
\n
\n \n
\n Once you’ve increased your coverage, you or your agent can login to submit the policy declaration page to update your insurance information.","groupId":13,"sortOrder":21,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"I made a change to my insurance coverage. How do I update my insurance information?","answer":"Please log in to provide your updated insurance policy information.","groupId":13,"sortOrder":24,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"How can I view the status of my current insurance policy?","answer":"Please log in to view your insurance policy information.","groupId":13,"sortOrder":25,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Will I receive confirmation that you've received my documents?","answer":"If you have provided your email address we'll send a confirmation email that your documents were received and an update when processing is complete. You can also log in to check the status of your policy. Your key policy details are available in the Dashboard including Policy Effective and Expiration dates, Coverage Amount, Premium, and Deductible information. You can see the name of the insurance company we have on file, your policy type and number.","groupId":13,"sortOrder":26,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Can I submit multiple insurance documents?","answer":"You can submit up to 5 documents at one time. The primary document we require is your policy declarations page which includes Policy Effective and Expiration dates, Coverage Amount, Premium, and Deductible information. It should also list your coverage type and property address. It is important that your policy declarations page is within the first 10 pages.","groupId":13,"sortOrder":27,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"How do I scan my insurance documents?","answer":"You can scan your evidence of insurance and save them as a PDF to upload from your policy dashboard. The easiest way to scan your documents is through your mobile device. Access this website on your mobile device, take a photo of your document(s) and upload the image. When using a photo from your mobile device, aim for a resolution of 300 DPI (or PPI for screen) or a pixel dimension of roughly 1024x768 to 1920px in width. Images should be clear, well-lit (to prevent shadows from affecting the image quality), and in grayscale or color. For best performance, maintain a file size under 4MB.","groupId":13,"sortOrder":28,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"What if my document was unable to process?","answer":"In the event we were unable to process your document, please review your current policy information shown in the dashboard to review your policy details. Policy details include effective, expiration, coverage amount, coverage type, and insurance company. If your policy is not listed or you are submitting documentation to resolve a gap/lapse in coverage, please make sure the policy declarations page is for the correct period in question, and your loan number is clearly listed on the document being submitted.","groupId":13,"sortOrder":29,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Is my account automatically updated with the insurance information provided?","answer":"It can take 2 to 5 business days to process and update your insurance information.","groupId":13,"sortOrder":42,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"What is the difference between coverage and deductible?","answer":"Dwelling coverage is the main part of a homeowner's insurance policy. It pays to repair or rebuild your home after a covered loss, such as fire or vandalism. Insurance coverage protects the value of your home in the event of a loss. On the other hand, deductible is the amount of money you are responsible to pay out of pocket when a claim is filed, normally a small percentage of your coverage amount.","groupId":13,"sortOrder":43,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"What is a Policy Declarations Page or Evidence of Insurance?","answer":"A policy declarations page or evidence of insurance is a summary of your insurance policy. You can get your policy from your insurance agent or company.","groupId":13,"sortOrder":44,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"What is replacement cost coverage?","answer":"Replacement cost is the amount determined by your insurance company to re-build your home as it is now, this helps protect you in case of a total loss.","groupId":13,"sortOrder":45,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"What is the mortgagee clause?","answer":"The mortgagee clause shows that your mortgage lender is protected under the policy which is required by your mortgage\r\n agreement.\r\n
\r\n
\r\n If the mortgagee clause on your insurance policy is not correct, please contact your insurance agent to make the correction and issue\r\n a change to us.","groupId":13,"sortOrder":46,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Why was a payment made for insurance I didn't approve?","answer":"It is our responsibility to make payments from your escrow to your preferred insurance company. To ensure you do not\n experience a gap in coverage, when we receive appropriate invoices from your insurance company, we make payments in a timely manner.\n On rare occasions, an agent you speak with may send an invoice to use prior to your approval. If your insuance company or agent has sent us\n an invoice in error, please contact them to cancel the policy.","groupId":13,"sortOrder":48,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"How can I cancel my insurance policy and receive a refund?","answer":"You must contact your current insurer to cancel your policy. Afterwards, you will receive a refund to your escrow account for any unused insurance premium.","groupId":13,"sortOrder":49,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"What is an Electronic Payment?","answer":"An electronic payment is considered as any payment requested via digital means such as but not limited to an ACH, Credit Card,\r\n Virtual Credit Card, Wire Transfer, or other type.","groupId":13,"sortOrder":50,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null}]},{"faqGroupId":15,"faqGroup":"Received a Communication from Us?","faqGroupSort":2,"faqList":[{"question":"Pre-Expiration Policy Cancellation / Evidence of Insurance Request","answer":"
Why are you getting this communication?
\n\tWe are reaching out to let you know that we have not received your current insurance information, and we need it for our records.\n\t

Here's what you need to do next
\n\tPlease reach out to your insurance agent at your earliest convenience to obtain the necessary coverage. Once you have successfully secured a policy, simply log in and submit the policy declaration page so that we can update your insurance records.\n\nIf you currently have Lender Placed Insurance (LPI), rest assured that once we receive the required document, your LPI policy will be canceled.","groupId":15,"sortOrder":3,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Lender Placed Insurance","answer":"
Why are you getting this communication?
\n\tYour mortgage agreement requires you to maintain insurance on your property. If your mortgage lender doesn’t have evidence that adequate insurance is in place, lender-placed insurance (LPI) will be purchased to protect the property. \n\tGenerally, LPI policies do not include coverage for contents or liability and are usually more expensive.\n\t

Here's what you need to do next
\n\tPlease reach out to your insurance agent at your earliest convenience to obtain the necessary coverage. Once you have successfully secured a policy, simply log in and submit the policy declaration page so that we can update your insurance records.\n\nIf you currently have Lender Placed Insurance (LPI), rest assured that once we receive the required document, your LPI policy will be canceled.\n

For more information, check out this short video here.","groupId":15,"sortOrder":4,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Insurance Company Update/Change","answer":"
Why are you getting this communication?
\n\tYou received this letter because our records show you currently have two insurance policies in effect, and we may have paid a premium on both. If payments were made on both policies, it may cause a shortage in your escrow account which can increase your monthly payment.\n\t

Here's what you need to do next
\n\tIf you have not done so already, contact your insurance agent and cancel the insurance policy you no longer want. In order to avoid an escrow shortage later, if you received a refund check from your insurance company, endorse it (sign the back) and send it to the address on your letter.\n","groupId":15,"sortOrder":10,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Insufficient Coverage","answer":"
Why are you getting this communication?
\n\tTo ensure your home has adequate insurance coverage (called dwelling coverage), we periodically review your insurance policy. Currently, your homeowner’s insurance policy does not meet our coverage requirements.\n\t

Here's what you need to do next
\n\tContact your insurance agent or insurer to increase your dwelling coverage. Your policy should: *Include “a guaranteed replacement cost endorsement,” which provides coverage that fully protects your home, or *Include the minimum coverage amount required. \n\tOnce you’ve increased your coverage, you or your agent can login to submit the policy declaration page to update your insurance information.","groupId":15,"sortOrder":11,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Deductible","answer":"
Why are you getting this communication?
\n\tAs part of your mortgage agreement and to protect your investment, most mortgages require you to maintain a homeowner’s insurance policy with a specified amount and type of coverage and with limits on the maximum deductible. \n\tAfter a routine check, we are contacting you to advise your homeowner’s deductible exceeds the maximum allowed. Please see your letter for your specific deductible requirements.\n\t

Here's what you need to do next
Contact your insurance agent or insurer to lower your deductible to the requirements outlined in your specific letter. \n\tWhen you’ve decreased your deductible, you or your agent should log in and submit the policy declaration page to update your account.\n","groupId":15,"sortOrder":12,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Mortgagee Clause Update Request","answer":"
What is a mortgagee clause?
\nThe mortgagee clause shows that your mortgage lender is protected under the policy which is required by your mortgage\n agreement. You can review the current mortgagee clause once you have located your policies in mycoverageinfo.com on the Dashboard page.
\n

\n
Here’s what you need to do next:
\n

\n If the mortgagee clause on your insurance policy is not correct, please contact your insurance agent to make the correction and issue\n a change to us. \n

If you do not have an updated policy with the mortgagee clause, contact your insurance agent or carrier and provide the updated Mortgagee Clause. This will help ensure we receive all future insurance communication, including applicable bills. Once updated, your agent can upload a copy of your insurance policy reflecting the new Mortgagee Clause by going to mycoverageinfo.com/agent.

","groupId":15,"sortOrder":13,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Why did I receive a second letter?","answer":"The second letter you received is called an expiration or binder letter. This notification was sent because your lender\r\n doesn't have documentation of adequate insurance coverage on your property. If evidence of insurance isn't received by the policy\r\n expiration date, we'll secure coverage for your property.\r\n
\r\n
\r\n If you already have insurance on your property, please log in to update your insurance information. If you don't have insurance on\r\n your property, we urge you to contact your insurance agent to obtain coverage immediately.","groupId":15,"sortOrder":23,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null}]},{"faqGroupId":17,"faqGroup":"Digital Payments","faqGroupSort":3,"faqList":[{"question":"Digital Payments?","answer":"Digital payments are fast and secure payments directly to your business account. We currently offer virtual credit card and ACH payment methods. The payment details are provided to your payment dashboard at https://hoipremiumdirect.com/ and can be downloaded for faster processing.","groupId":17,"sortOrder":52,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"What are the benefits of Digital Payments (HOIPremiumDirect℠)?","answer":"","groupId":17,"sortOrder":53,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Digital Payments Here's what to expect - Registration","answer":"After clicking the link you will be asked to provide identifying information about your business and yourself. The information will be verified and an official invitation to register into the platform will be sent from Assurant noreply@hoipremiumdirect.com.","groupId":17,"sortOrder":54,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"What if I have trouble registering for Digital Payments?","answer":"Contact HOIPremiumDirect℠ by emailing us at registrations@HOIPremiumDirect.com for assistance.","groupId":17,"sortOrder":55,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"Did you receive an Email?","answer":"If you received an email inviting you to the Digital Payments platform, HOIPremiumDirect℠ , please follow the instructions to begin the registration process to take advantage of this great option. You can also register directly by going to https://hoipremiumdirect.com/enrollnow/ .","groupId":17,"sortOrder":56,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"How do I view payments?","answer":"You will receive a notification from Assurant noreply@hoipremiumdirect.com that your payments are ready to be processed. You can then log into your payment dashboard at https://hoipremiumdirect.com/ to review the transaction and see previous transactions. Once payments are processed via HOIPremiumDirect℠, they will also be reflected in the policy dashboard on mycoverageinfo.com.","groupId":17,"sortOrder":57,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null},{"question":"What if something is wrong with my Digital Payment (for example, wrong amount)?","answer":"If you believe your payment is in the wrong amount or you have not received your payment, please contact Support at support@hoipremiumdirect.com for assistance.","groupId":17,"sortOrder":58,"loggedIn":3,"isVisible":true,"videoId":null,"videoName":null,"videoPoster":null}]},{"faqGroupId":64,"faqGroup":"Digital Notices","faqGroupSort":4,"faqList":[{"question":"Deductible","answer":"
Why are you getting this letter?
As part of your mortgage agreement and to protect your investment, most mortgages require you to maintain a homeowner’s insurance policy with a specified amount and type of coverage and with limits on the maximum deductible. After a routine check, we are contacting you to advise your homeowner’s deductible exceeds the maximum allowed. Please see your letter for your specific deductible requirements.

Here's what you need to do next
Contact your insurance agent or insurer to lower your deductible to the requirements outlined in your specific letter. When you’ve decreased your deductible, you or your agent should log in and submit the policy declaration page to update your account.","groupId":64,"sortOrder":2,"loggedIn":3,"isVisible":true,"videoId":"951de7b5-8cde-4e0f-bec1-c10059c258b7","videoName":"deductible","videoPoster":"https://smartvideo-hub-assets.sundaysky.com/editor/curated/0014000000kazRlAAI/no_owner/image/351c74b3-3918-42de-8da4-49cc158bee21/orig/reviewing-docs-at-kitchen-table.png"},{"question":"Insurance Company Update/ Mid-term Change","answer":"
Why are you getting this letter?
You received this letter because our records show you currently have two insurance policies in effect, and we have paid a premium on both. Because payments were made on both policies, it may cause a shortage in your escrow account which can increase your monthly payment.

Here's what you need to do next
If you have not done so already, contact your insurance agent and cancel the insurance policy you no longer want. In order to avoid an escrow shortage later, if you received a refund check from your insurance company, endorse it (sign the back) and send it to the address on your letter.","groupId":64,"sortOrder":3,"loggedIn":3,"isVisible":true,"videoId":"1c22f4e2-1f43-4694-b0b0-015c9dd295d7","videoName":"carrierupdate","videoPoster":"https://smartvideo-hub-assets.sundaysky.com/editor/curated/0014000000kazRlAAI/no_owner/image/97e367d9-76aa-4345-85f9-cec53e91297f/orig/interacting-with-the-carrier-change-notice.png"},{"question":"Pre-Exp Cancellation / Evidence of Insurance","answer":"
Why are you getting this letter?
We are reaching out to let you know that we have not received your current insurance information, and we need it for our records.

Here's what you need to do next
Contact your insurance agent to obtain coverage. After you have secured a policy, log in and submit the policy declaration page to update your insurance information. Once this document has been received your LPI policy will be cancelled.","groupId":64,"sortOrder":4,"loggedIn":3,"isVisible":true,"videoId":"843bfa77-fe2f-4a25-a2b3-86d979f02073","videoName":"preexpiration","videoPoster":"https://smartvideo-hub-assets.sundaysky.com/editor/curated/0014000000kazRlAAI/no_owner/image/9b30297d-0585-4652-8842-0772287146ac/orig/mci-phone-and-tablet.jpg"},{"question":"Deductible","answer":"
Why are you getting this communication?
As part of your mortgage agreement and to protect your investment, most mortgages require you to maintain a homeowner’s insurance policy with a specified amount and type of coverage and with limits on the maximum deductible. After a routine check, we are contacting you to advise your homeowner’s deductible exceeds the maximum allowed. Please see your letter for your specific deductible requirements.

Here's what you need to do next
Contact your insurance agent or insurer to lower your deductible to the requirements outlined in your specific letter. When you’ve decreased your deductible, you or your agent should log in and submit the policy declaration page to update your account.","groupId":64,"sortOrder":5,"loggedIn":3,"isVisible":true,"videoId":"600e8924-99c3-400a-bcde-ecd9a260cae6","videoName":"deductible-notice","videoPoster":"https://smartvideo-hub-assets.sundaysky.com/editor/curated/0014000000kazRlAAI/no_owner/image/351c74b3-3918-42de-8da4-49cc158bee21/orig/reviewing-docs-at-kitchen-table.png"},{"question":"Pre-Expiration Policy Cancellation / Evidence of Insurance Request","answer":"
Why are you getting this communication?
We are reaching out to let you know that we have not received your current insurance information, and we need it for our records.

Here's what you need to do next
Contact your insurance agent to obtain coverage. After you have secured a policy, log in and submit the policy declaration page to update your insurance information. Once this document has been received your LPI policy will be cancelled.","groupId":64,"sortOrder":6,"loggedIn":3,"isVisible":true,"videoId":"24473f9d-fd9e-4eee-964e-0f4f5f80c42e","videoName":"preexpiration-notice","videoPoster":"https://smartvideo-hub-assets.sundaysky.com/editor/curated/0014000000kazRlAAI/no_owner/image/9b30297d-0585-4652-8842-0772287146ac/orig/mci-phone-and-tablet.jpg"},{"question":"Insurance Company Update/Change","answer":"
Why are you getting this communication?
You received this letter because our records show you currently have two insurance policies in effect, and we have paid a premium on both. Because payments were made on both policies, it may cause a shortage in your escrow account which can increase your monthly payment.

Here's what you need to do next
If you have not done so already, contact your insurance agent and cancel the insurance policy you no longer want. In order to avoid an escrow shortage later, if you received a refund check from your insurance company, endorse it (sign the back) and send it to the mortgagee clause address in your dashboard.","groupId":64,"sortOrder":7,"loggedIn":3,"isVisible":true,"videoId":"c48b7412-ad7f-4232-80fb-5d99d6370f80","videoName":"carrierupdate-notice","videoPoster":"https://smartvideo-hub-assets.sundaysky.com/editor/curated/0014000000kazRlAAI/no_owner/image/97e367d9-76aa-4345-85f9-cec53e91297f/orig/interacting-with-the-carrier-change-notice.png"},{"question":"Deductible","answer":"
Why are you getting this communication?
As part of your mortgage agreement and to protect your investment, most mortgages require you to maintain a homeowner’s insurance policy with a specified amount and type of coverage and with limits on the maximum deductible. After a routine check, we are contacting you to advise your homeowner’s deductible exceeds the maximum allowed. Please see your letter for your specific deductible requirements.

Here's what you need to do next
Contact your insurance agent or insurer to lower your deductible to the requirements outlined in your specific letter. When you’ve decreased your deductible, you or your agent should log in and submit the policy declaration page to update your account.","groupId":64,"sortOrder":8,"loggedIn":3,"isVisible":true,"videoId":"600e8924-99c3-400a-bcde-ecd9a260cae6","videoName":"deductible-notice","videoPoster":"https://smartvideo-hub-assets.sundaysky.com/editor/curated/0014000000kazRlAAI/no_owner/image/351c74b3-3918-42de-8da4-49cc158bee21/orig/reviewing-docs-at-kitchen-table.png"},{"question":"Mortgagee Clause Update Request","answer":"
What is a mortgagee clause?
\nThe mortgagee clause shows that your mortgage lender is protected under the policy which is required by your mortgage\n agreement. You can review the current mortgagee clause once you have located your policies in mycoverageinfo.com on the Dashboard page.
\n

\n
Here’s what you need to do next:
\n

\n If the mortgagee clause on your insurance policy is not correct, please contact your insurance agent to make the correction and issue\n a change to us. \n

If you do not have an updated policy with the mortgagee clause, contact your insurance agent or carrier and provide the updated Mortgagee Clause. This will help ensure we receive all future insurance communication, including applicable bills. Once updated, your agent can upload a copy of your insurance policy reflecting the new Mortgagee Clause by going to mycoverageinfo.com/agent.","groupId":64,"sortOrder":9,"loggedIn":3,"isVisible":true,"videoId":"ec826f81-0761-41ff-9c79-cab5f3eb2fb8","videoName":"MCCL-notice","videoPoster":"https://smartvideo-hub-assets.sundaysky.com/editor/curated/0014000000kazRlAAI/no_owner/image/67258f6f-34a0-4ea6-a448-160f46227da1/orig/mortgagee-clause-information-on-screen.png"}]}],"intendedUseScrTitle":"IMPORTANT MESSAGE","intendedUseScrDescription":"Your use of this site is subject to the Terms of Use.
In furtherance thereof, you acknowledge that you may only use this site to provide us with and/or confirm we have accurate insurance information about your current clients who you are authorized to represent.
You are not permitted to use this site or obtain any information from this site for any other purpose, including any commercial purpose.","importDocumentTitle":"Import Document","importDocumentDescription":"Not sure what documents you need? Click continue to securely connect to your HOMEOWNERS insurance company’s website through Axle, a third party, to automatically retrieve the information required to update your policy information."},"bannerNotification":{"id":0,"title":null,"message":null,"severity":0},"isShowFaxNumber":true,"isShowCustomerServiceNumber":true,"isShowExitSurvey":true,"isShowInPageSurvey":false,"isDisplayMultiPrivacyPolicyLinks":false,"privacyPolicyLinks":"","isDisplayPrivacyPolicyDialog":false,"privacyPolicyDialogContent":"","hasRedirectUrl":false,"isShowUploadTracker":true,"daysToShowUploadTracker":14,"daysToShowUploadTrackerInProgress":10,"isShowDocumentUtp":false,"daysToShowDocumentUtp":60,"isDisplayPolicyAlert":true,"isVerituityPayment":false,"agentChatHours1":"Monday - Friday: 8:00 AM - 5:00 PM EST","agentChatHours2":"","chatHours1":"","chatHours2":"","digitalPaymentUrl":"https://mycoverageinfo.com/hoipremiumdirect","digitalPaymentNavBarTitle":"Register for Digital Payments","digitalPaymentNavBarContent1":"MyCoverageInfo.com offers digital payments through our program HOIPremiumDirect℠.","digitalPaymentNavBarContent2":"By choosing to register, you will be taken to our enrollment site to begin the verification process. Once complete, an invitation email will be provided to complete your registration process.","isPolicyMode":false,"isAgentMode":true,"isContactHidden":true,"isRbsMode":false,"isShowDigitalNotice":false,"isShowIntendedUseScr":true,"isShowImportDocument":false,"importPDFDocument":false,"isShowBusinessSearch":false,"isShowChatInstead":false,"isShowAgentChatInstead":false,"isShowMidtermChangeInfo":true,"isShowAgentMidtermChangeInfo":false}