tailieunhanh - Consumer's Guide to Homeowner's Insurance

Real and perceived quality gaps in public coverage and delivery systems serve as an impetus for PHI purchases in some countries. Waiting times, increasing demand for choice, and perceptions of inadequacy of public systems are leading motivations in Ireland, Australia, Denmark, and the United Kingdom. Where public cover is not provided, primary PHI policies are purchased mainly to minimise the financial risks associated with illness. Finally, the diversity in consumer attitudes and preferences is difficult to compare across countries. Cultural factors and differences in risk aversion across national contexts may account for a higher inclination to buy private cover in some countries. For example, nearly all those. | Consumer s Guide to Homeowner s Insurance This guide explains The basic coverage included in homeowner s policies The types of policies What you should do if you have a loss The Wisconsin Insurance Plan Premium tables for four hypothetical examples A Spanish version of the Consumer s Guide to Homeowner s Insurance is available by calling 608 266-0103 In Madison or 1-800-236-8517 Outside Madison . A copy is also available on OCI s Web site. State of Wisconsin Office of the Commissioner of Insurance . Box 7873 Madison WI 53707-7873 OCI s World Wide Web Home Page PI-015 R 03 2008 State of Wisconsin Office of the Commissioner of Insurance Consumer s Guide to Homeowner s Insurance The mission of the Office of the Commissioner of Insurance . . . Leading the way in informing and protecting the public and responding to their insurance needs. If you have a specific complaint about your insurance refer it first to the insurance company or agent involved. If you do not receive satisfactory answers contact the Office of the Commissioner of Insurance OCI . For information on how to file an insurance complaint call 608 266-0103 In Madison or 1-800-236-8517 Statewide Mailing Address Office of the Commissioner of Insurance . Box 7873 Madison WI 53707-7873 Electronic Mail ocicomplaints@ Please indicate your name phone number and e-mail address. OCI s World Wide Web Home Page For your convenience a copy of OCI s complaint form is available at the back of this booklet. A copy of OCI s complaint form is also available on OCI s Web site. You can print it complete it and return it to the above mailing address. A list of OCI s publications is included at the back of this booklet. Copies of OCI publications are also available online on OCI s Web site. Deaf hearing or speech impaired callers may reach oCi through WI TRS This guide is not a legal analysis of your rights under any insurance policy or government program. Your insurance policy program .

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