If you insure your home or condo (including renters policy) and automobiles with us, you will get a Premium discount on both policies.

If no household member smokes, you could be eligible for a credit.

If you have an older home and have updated the roof, plumbing, electrical system, heating, and cooling systems, you may be eligible for a reduction in Premium.

Tell us about your smoke detector, fire alarm, burglar alarm, fire extinguisher, and dead bolt locks and you will receive a Premium credit.

Concord Homeowners Enhancement Coverages (CHEC) is a special combination of coverages added to the homeowner policy free to policyholders. Compare to your current insurance policy and make sure you have all the generous benefits that CHEC provides including:

• sewer and water backup protection
• refrigerated goods coverage
• mortgage renegotiation expense
• increased counterfeit money protection
• lock replacement coverage
• waiver of the policy Deductible in the event of a major Loss, and more.

Extra Security Protection Plus (ESP+) is a unique package of coverages offered at minimal cost to our policyholders. Some of the many benefits include:

• Personal Injury Protection
• Sewer and Water Backup Protection
• Extended Personal Property Limits
• Mortgage Renegotiation Expense Coverage
• Loss Assessment Coverage
• Lawn Tractor Coverage
• Credit/Debit Card Theft
• Damage to Other's Property