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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

What is the Paid Loss Surcharge, and how could this impact the cost of my premium?

Answer:

Homeowners insurance is designed to cover one’s property in an unforeseen loss. On average, most policyholders either don’t submit any claims or only submit weather or glass claims over a three year period. However, the remaining claims are substantial enough to potentially cause everyone’s premiums to rise. In order to prevent this, the vast majority of insurance companies have a “Paid Loss Surcharge” that is designed to isolate the rising cost of non-weather or glass related claims. Under this program, a policyholder’s first claim is not surcharged, but any subsequent claim(s) may cause the homeowner’s premium to rise significantly.