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Talk to an Avatar representative:
(877) 233-3237 or (813) 514-0333
Monday to Friday 8 am – 5 pm EST
Fax : (813) 514 - 0255
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Submit a claim or question 24 hours a day:
info@avatarins.com claims@avatarins.com
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Write us your questions or concerns:
Avatar Property and Casualty Ins.
1408 North Westshore Blvd
Suite# 805
Tampa, Florida 33607
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|
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Talk to an Avatar representative:
(877) 233-3237 or (813) 514-0333
Monday to Friday 8 am – 5 pm EST
Fax : (813) 514 - 0255
|
Submit a claim or question 24 hours a day:
info@avatarins.com claims@avatarins.com
|
Write us your questions or concerns:
Avatar Property and Casualty Ins.
1408 North Westshore Blvd
Suite# 805
Tampa, Florida 33607
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COVERAGE COMPARISON.
1. BASIC COVERAGES.
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| ITEM | AVATAR | CITIZENS |
| Coverage A(Dwelling) |
Identical to Current Citizens Value. |
Current Citizens Value |
| Coverage B(Other Structures) |
10% included |
10% included |
| Coverage C(Personal property) |
50% included Optional amounts available up to 75% Replacement Cost Option |
50% included.No increased limits available.Replacement Cost Option |
| Coverage D(Loss of Use) |
10% included |
10% included |
| Coverage E(Liability Coverage) |
$100K included.Optional amounts available up to $500K. |
$100K included.Up to $300K available |
| Medical payments |
$1,000 included. Up to $5,000 available. |
$1,000 included. Up to $2,000 available |
| Medical payments |
$1,000 included. Up to $5,000 available. |
$1,000 included. Up to $2,000 available |
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2. ADDITIONAL COVERAGES.
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| ITEM | AVATAR | CITIZENS |
| Debris Removal |
Included |
Included |
| Reasonable Repairs |
Included |
Included |
| Trees, Shrubs etc. |
Included |
Included |
| Fires Dept Svc Charges |
Included |
Included |
| Property Removed |
Included |
Included |
| Credit Card |
Included |
Included |
| Collapse |
Included |
Included |
| Glass, Glazing |
Included |
Included |
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ADDITIONAL COVERAGES.(Continued)
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| ITEM | AVATAR | CITIZENS |
| Mold |
Included |
Included |
| Landlord’s Furnishings |
Included |
Included |
| Sinkhole Coverage |
Included |
Included |
| Catastrophic Collapse |
Included |
Included |
| Accidental Death |
Included |
Included |
| Temperature Change |
Included |
Included |
| Power Interruption |
Included |
Included |
| Arson Reward |
Included |
Included |
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3. OTHER OPTIONAL COVERAGES
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| ITEM | AVATAR | CITIZENS |
| Personal Property |
Option to Purchase Up to 75% of Coverage A |
Increased Limits Not Available |
| Personal Liability |
Option to Purchase Up to $500,000 |
Up to $300,000 |
| Personal Property Replacement Cost |
Available |
Available |
| Sinkhole Coverage |
Included in Basic Rate |
Not Included in Basic Rate |
| Mold |
$10,000 included. Option Up to $50,000 |
$10,000 included. Option Up to $50,000 |
| Loss Assessment. |
$1,000 included. Option To Purchase Up to $10,000 |
$1,000 included. Option Up to $3,000 |
| Law & Ordinance Coverage |
25% and 50% options available. |
25% and 50% options available. |
| Sewer & Drain Back Up |
Available Option |
Not Available |
| Golf Cart |
Option Available |
Not Available |
| Identity Theft |
Option Available |
Not Available |
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4. PERSONAL PROPERTY COVERAGE INCREASED LIMITS
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| ITEM | AVATAR | CITIZENS |
| Money |
$200 |
$200 |
| Business Property away from residence premises |
$250 |
$250 |
| Securities |
$1,000 |
$1,000 |
| Watercraft |
$1,000 |
$1,000 |
| Firearms |
$2,000 |
$2,000 |
| Jewelry |
$1,000 |
$1,000 |
| Silverware |
$2,500 |
$2,500 |
| Business Property |
$2,500 |
$2,500 |
| Stamps, Trading cards etc |
$1,000 |
$1,000 |
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5. ADDITIONAL DISCOUNTS.
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| ITEM | AVATAR | CITIZENS |
| Protective Devices. (Alarms etc.) |
Up to 20% Cumulative |
Up to 10% Cumulative |
| Gated Community |
10% |
Not available |
| New Home (Less than 10 years old) |
Up to 10%. No Surcharge on Older Homes. |
Up to 10%. Surcharge for Older Homes |
| 55 and retired discount |
Available |
Not Available |
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Claim Handling Process
The amount of time required to handle each claim varies based on the severity of the property damage, and various other factors. Sure, some claims may be simple enough to handle with a single phone call, but others are more complex and require onsite inspection to make sure we’ve identified all the damage.
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| If you're registered with Avatar Direct Services, you can follow the status of your claim online by login into your account. A claim representative will also be able to provide you with a better time estimate as he or she begins to handle your claim. To speed up the process, please provide the claim representative with as many details as possible about your claim. |
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Claim Status
If you're registered with Avatar Direct Services, you can follow the status of your claim online by login into your account. A claim representative will also be able to provide you with a better time estimate as he or she begins to handle your claim. To speed up the process, please provide the claim representative with as many details as possible about your claim.
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