Our office will be closed on Monday July 4, to celebrate the Fourth of July. For your convenience, the following systems will remain active during this time:

• Online Payments & EFT Account Management
• EZpay Phone System: (810) 600-3555
• Online Claims Systems
• After Hours Claims: (800) 837-7674
• Roadside Assistance: (800) 828-7067

Continue to the Pioneer Website

Replacement Cost Options
It’s important to carry enough Coverage A to ensure your home can be properly rebuilt/replaced if you had a total loss.
We now have three options for enhancing how that coverage responds: Extended Replacement Cost (level 1 or 2), and Guaranteed Replacement Cost.

Extended Replacement Cost - Level 1 (ERC1)
This takes your Coverage A limit and increases it by 25%

Extended Replacement Cost - Level 2 (ERC2)
This takes your Coverage A limit and increases it by 50%

Guaranteed Replacement Cost (GRC)
This coverage increases your Coverage A to the amount necessary to rebuild your home!

Note: All three options include Replacement Cost coverage for your Contents, which is an upgrade in coverage from what the base policy includes.


With any of the endorsements above, it is important to let your agent know anytime you spend more than $5,000 to remodel or add on to your home.