We are sorry, but we are unable to provide coverage for you at this time.
Notice of Adverse Underwriting Decision
If you have been declined insurance coverage, it is because of the answer(s) you have provided to the question(s) on your application for insurance. We have based this decision solely on the information you have provided on your application.
Access to recorded personal information Upon your written request and submission of proper identification
Within 30 business days of the receipt of your request to access to your recorded personal information, Assurant will inform you of the nature and substance of the recorded personal information in writing.
You have the right to see and copy personal information in person or obtain a copy by mail. The information must be reasonably described by you and reasonably locatable and retrievable by us. Any information we provide you will be in plain language.
If recorded, we will disclose the identity of those persons or institutional sources who gave us information within two (2) years prior to your request. If not recorded, we will disclose the names of those to whom such information is normally disclosed.
You may request correction, amendment, or deletion of recorded personal information by submitting written request to Assurant Specialty Property, 11222 Quail Roost Drive Miami, FL 33157.
Assurant shall provide medical record information supplied by a medical care institution or medical professional, along with the identity of the medical professional or medical institution which provided the information, either directly to you or to a medical professional designated by you, which is licensed to provide medical care with respect to the condition to which the information relates. Assurant will notify you if it elects to disclose the information to a medical professional designated by you. For CA and MA residents mental health record information shall be supplied directly to the individual only with the approval of the qualified professional person with treatment responsibility for the condition to which the information relates.
We may charge a reasonable fee to cover the costs incurred in providing you a copy of recorded information.
Request to correct, amend, or delete recorded personal information Within 30 business days from the date of receipt of your written request to correct, amend, or delete any recorded personal information, we must:
Correct, amend or delete the portion of the recorded personal information in dispute; or
Notify you of our refusal to make the correction, amendment or deletion, and the reason(s), for the refusal, and your right to file a statement if you disagree.
If we refuse to make a correction, amendment or deletion:
You have the right to file a concise statement with us. Your statement: (a) must set forth what you believe to be the correct, relevant, or fair information and, (b) explain why you disagree with our refusal.
We will file your statement with any disputed personal information and make it accessible so that anyone reviewing the information will be cognizant of your statement.
Furthermore, your statement will be with any subsequent disclosure.
If the information is corrected, amended or deleted, the changes will be in writing and provided to you, any person who may have received the incorrect information within the preceding two (2) years, any insurance-support organization that received the information within the preceding seven years, and any insurance support organization that furnished the personal information that has been corrected, amended or deleted.
If you would like additional information concerning this action, you have 180 days to submit a written request to:
We will respond to all written requests for additional information within 21 business days.
Notice to North Carolina applicant’s only:
As required by North Carolina law, the insurance company checked below is the Assurant Specialty Property® company applicable to North Carolina residents:
American Bankers Insurance Company of Florida
This insurance includes
Fire, wind and vandalism
Personal liability coverage
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*Based on a national average cost of $10,000 personal property coverage, $50,000 personal liability coverage, $250 deductible, and replacement cost. Click "next" for an exact quote based on your state and the amount of coverage you need.
The underwriters are American Bankers Insurance Company of Florida, (11222 Quail Roost Drive, Miami, FL 33157; Domicile (FL); NAIC # 10111; authorized to write in Washington, D.C. and all states in the United States), with its home office in Miami , Florida; in MN, American Security Insurance Company, both Assurant Specialty Property companies with a Best's Rating of "A" (Excellent) by A.M. Best Company. In TX, the personal property coverage is underwritten by Ranchers and Farmers Mutual Insurance Company and the personal liability coverage is underwritten by American Bankers Insurance Company of Florida. In Utah, coverage is provided under policy form AJ8850PC-0307. Each insurer has sole financial responsibility for its own products. Coverage may vary by state.
All insurance products are offered by The Signal, L.P. The Signal, L.P. is a licensed Insurance agency appointed by American Bankers Insurance Company of Florida and American Security Insurance Company. American Bankers Insurance Company of Florida and American Security Insurance Company are Assurant, Inc. companies licensed to offer insurance products. Protect Your Bubble, the Protect Your Bubble logo, Bubble and Squeak and other Protect Your Bubble trademarks, service marks, graphics and logos used in connection with this website are trademarks of Assurant, Inc. in the United States.