Providence Mutual


Providence Mutual

  • Home
    • Real-Time Rating available Mon.- Sat. 3 a.m. – 9:30 p.m.; Sun. 3 – 9 a.m. and 9:30 a.m. to 9:30 p.m.

    Dwelling tab

    • Dwelling Address, Year Built or Age, Primary Heat, Oil Tank Location if Primary (or Secondary) Heat is Oil, Wiring Type, Roof Type, and Plumbing are required for Providence Mutual Home Real-Time Rating. Be sure to answer “If Updated, when” when applicable, as this can affect the rate.

    Underwriting tab

    • Providence Mutual requires number of losses and loss details for five years, as different types of losses can affect the rate differently.

    Client Info screen

    • The Client Date of Birth, Client First and Last name, and Move-in Date should be completed. If there is a Co-applicant, the date of birth should also be completed. Prior Address is required if the Insured has been at the address for six months or fewer.

    Additional Residences Rented to Others and; Other Insured Location Occupied by Insured

    • Providence Mutual only supports rating of one of each of these additional dwelling types. If you enter multiple additional locations under either of these General Endorsements, only one listed additional dwelling of each will be factored into the returned rate.
    CreditCarrier runs a credit report during the Real-Time Rating process
    Coastal LookupCarrier runs a Risk Meter (distance to coast) or similar mapping tool for the dwelling location
    Plan SelectionCarrier assigns the appropriate plan based on underwriting criteria
    Modification of LimitsCarrier changes unoffered limits entered in SinglePoint to its closest offering and presents a rate
    Agency CodeCarrier requires you to enter an agency code in order to use Real-Time Rating
    EligibilityCarrier determines if the risk is eligible or ineligible during the Real-Time Rating process