This Privacy Policy explains the collection, use, and disclosure of personal information and non-personal information by Deans & Homer through the websites that we operate. This Privacy Policy applies only to information collected through this website.

Personal information

We may collect personal information. Personal information is information that would allow someone to identify or be associated with you. Examples of personal information include your name, address, telephone number, or email address.

Personal information we collect

We collect only the personal information that we need to administer your account, including insured or applicant names, mailing address, telephone number and email address. This information may be required for certain transactions or services we provide to you. You may decline to provide the information, but may not be able to receive the requested service.

If you file a claim, we may need to collect additional information in order to properly handle your claim.

We collect information from the following sources:

  • You - as provided in writing, through email, by fax, or by phone
  • Your agent - as provided in writing, through email, by fax, or by phone
  • Outside parties - for example, your prior insurance carrier, or anyone to whom you may have reported a loss

Personal information we disclose

We do not disclose personal information, except as listed below:

  • As you may request.
  • As required by law or regulation.
  • As required to service your application or policy, including the determination and collection of premiums and the investigation, adjustment and supervision of claims.
  • In the event of the sale of the Company, its managing agent, or its book of business.

Personal information we may share

We share your payment details, including your card number, expiration date, cardholder name and billing address with a third party vendor solely for the purpose of completing your online payment transaction. We carefully select our business partners, who are committed to comply with all required privacy rules. You may choose to decline the information. If you choose to decline, you will not be able to complete your payment transaction online and we may not be able to provide you the online service you are requesting.

We may also share your name, additional insured name(s), policy number and dates, status and limit information with your rental apartment community and/or their management companies to confirm your insurance coverage.

We may also share customer information with insurance support organizations, including those that help detect and prevent insurance crimes or fraudulent claims. Information collected by such organizations may be kept by them and shared with others.

Sale of personal information

We do not sell the personal information of our insureds to any third parties.

Non-Personal information

We may collect non-personal information. Non-personal information is information that does not identify you and cannot be readily associated with you. Examples of non-personal information includes data gathered by cookies, tracking of number of visitors and navigation of websites.

Non-Personal information we collect

We may collect the following non-personal information. However, we do not use any third party analytics of the information collected and do not share the information with third parties.

  • We may collect cookies. Cookies are small text files that a website transfers to your hard disk for added functionality or for tracking site usage. We use cookies only to identify repeat users of our site and to bypass signing in. We do not use cookies to gather personal information such as your name or e-mail address.
  • We may collect IP addresses for a short time to collect success and error or failure information about the performance of our website. The IP addresses are not linked to your account information.

California Insureds

If you are a California insured, under the California Consumer Privacy Act of 2018, you are entitled to request the following information from us:

  1. The categories of personal information we have collected about you.
  2. The categories of sources from which the personal information is collected.
  3. The business or commercial purpose for collecting or selling personal information.
  4. The categories of third parties with whom the business shares personal information.
  5. The specific pieces of CPI we have collected about you.
  6. The categories of CPI that we disclosed about you for a business purpose.

You also have the right to request deletion or correction of certain information if you feel it is inaccurate, though we may be legally required or allowed to refuse such a request and to retain such information. If this is the case, we will advise you of why, subject to any legal restrictions. We will respond to your request within thirty (30) business days or advise you if additional time is required to respond to your request.

You may submit requests to receive information or to delete the personal information that we collected about you in either of the following ways:

Mail to:
Deans and Homer
Compliance - Privacy
PO Box 2839
San Francisco, CA 94126-2839

Email to: compliance@deanshomer.com

Call us toll free at: (800) 345-2054

New York Insureds

New York Insurance Law Section §2612 provides victims of domestic violence, as defined under McKinney's Social Services Law § 459-a, certain protective rights concerning insurance.

Under the law, we may not consider against you the fact that you have been a victim of domestic violence in our underwriting. We may also not refuse to renew, deny or cancel your policy or demand a higher premium solely on the basis that you are a victim of domestic violence.

If you provide us a valid order of protection, issued by a court of competent jurisdiction in the state of New York, we are prohibited from disclosing your address and telephone number for the duration of the order. If the victim is a child, then the confidentiality rights established by this law also extend to the parent or guardian of that child.

If you are a victim of domestic violence and are covered by an insurance policy issued by us, you may provide us with an alternate address, telephone number or other method of contact.

If you have a valid order of protection against another person covered by the same insurance policy issued by us, then you may provide us with a copy of the order, asking that we not disclose your contact information to such other person.

Any alternate contact information or order of protection may be sent to us at the following address:

Deans & Homer
Compliance – Privacy
Deans and Homer
PO Box 2839
San Francisco, CA 94126-2839

For additional information, you may also contact the New York State Domestic Violence Hotline at (800) 942-6906.

The security of personal information collected via the web site

As required by applicable data protection and privacy law, we have physical, electronic and operational security procedures intended to safeguard and secure the information we collect throughout the lifecycle of that information to protect against unauthorized access to and unlawful interception or processing of personal information that we store and control. However, no website can fully eliminate security risks. Third parties may circumvent our security measures to unlawfully intercept or access transmissions or private communications. We cannot warrant or ensure the security of any such transmission to the website. When you disclose information to us online, you do so at your own risk. If you believe that your interaction with us is no longer secure, contact us immediately at: webmaster@deanshomer.com. If we become aware of a security breach, we will post a reasonably prominent notice to the web site.

Third-Party Sites

Deans & Homer's websites may include links to other websites. You should consult the respective privacy policies of these third-party sites. This Privacy Policy does not apply to, and we cannot control the activities of, such other websites.

Changes to our online Privacy Policy

Deans & Homer may revise this policy at any time by updating this posting.

Contact

If you have questions about this Privacy Policy, please contact us by email at compliance@deanshomer.com.

This Privacy Policy is effective January 1, 2020. It was last updated on February 04, 2020.