This site contains only brief descriptions of the various available coverages afforded. For the actual coverages, exclusions and deductible amounts, please read your individual policy/quotes carefully.
Quotes generated by the Western Mutual Insurance Group are based on the validity of the information provided by the requesting user/homeowner. No policy quote is final until we have completed the policy approval process.
Portions of our Internet sites use Transport Layer Security (TLS) encryption to protect information submitted to the Western Mutual Insurance Group. Secure certificates are provided by the following Internet security partner:
We value our online users & customers… please contact us with any questions or concerns you may have regarding our Internet sites and services.
The Western Mutual Insurance Group shares your concerns about the privacy of your nonpublic personal information. Because we value you as a customer and have your best interest in mind, we do not sell our customer information to anyone.
While you are a policyholder, we collect a variety of information about you. Most of this data is collected directly from you or your agent, and may also be verified or supplemented by other sources. The information we collect includes:
We use this information to underwrite your insurance and to meet your ongoing customer service and claims handling needs. We may disclose this information to non-affiliated third parties. These companies must also maintain the privacy of your personal data. For example, we may disclose your information to:
Western Mutual Insurance Group places a high priority on keeping your information secure. We maintain physical, electronic, and procedural safeguards designed to hold your data in the strictest confidence. Our employees are bound by a Confidentiality Policy, which limits access to customer data to those employees who need it to perform their job functions.
We do not sell your information to any third parties for marketing purposes. However, you have the right to access the nonpublic personal information we maintain about you in our records and to be advised to whom, if anyone, we have disclosed the personal information within two years of the date of your request. We may charge a reasonable fee to collect and send the data to you. If you wish to review your personal Information, please provide a written request to:
Western Mutual Insurance Group
attn: Privacy Officer
P.O. Box 19626
Irvine, CA 92623-9626
Your request should include your name address, policy number, and a description of the data you wish to review. We will respond within 30 days of receipt of your written request. Should you find any errors, you may send us a written request for correction, amendment or deletion of the incorrect information. We will act on your request within 30 days of receipt. If the Company corrects, amends, or deletes the information we will notify you in writing and any person designated by you that has received the personal information within the preceding two years and any person or organization that provided the personal information. If we do not correct, amend or delete the personal information, you have the right to file a concise statement of what you believe is the correct statement and the reasons you disagree with our decision not to correct, amend, or delete the personal information. The company will put your statement in your file so that anyone reviewing your file will see it, and we will include your statement with the personal information and any future disclosures by the Company.
A “cookie” is a random set of characters that allows us to track our users’ traffic patterns as well as providing assistance during the quoting process. The cookies we assign to you will expire. Cookies cannot read personal information off your hard drive nor will we use them to store or transmit any harmful personal information about you. Additionally, a cookie is only recognizable by the web site that created it – another web site or server will not be able to use the cookie or access any information stored in it.
You can disable your browser from accepting cookies. Refusing cookies will not prevent you from using any part of this web site. However, the information we are able to gather through cookies regarding web traffic and usage patterns on our web site helps us identify user or server problems, administer our site and provide insight into how to improve our visitor’s total web experience. Most browsers will give you the option to specify that you be prompted before any web site puts a cookie on your hard drive – granting you the opportunity to accept or refuse the cookie. More information on cookies can be found in the Help section of your Internet browser.
An IP address is a unique number assigned to your computer each time you log on to use the Internet. We use IP addresses to analyze web traffic, user trends, track users’ movement within our sites and gather broad demographic information for aggregate use.
This web site may contain links to other Internet sites. Please be aware that the Western Mutual Insurance Group is not responsible for the privacy practices of such other Internet sites. We encourage our users to read the privacy statements of each and every web site that is linked to or from our site. This privacy statement applies solely to information collected by this web site and the Western Mutual Insurance Group.
This Privacy Notice for California Residents applies solely to all visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this Notice.
We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device (“personal information”).
Personal information does not include:
In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:
|A. Identifiers.||A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.||YES|
|B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).||A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
Some personal information included in this category may overlap with other categories.
|C. Protected classification characteristics under California or federal law.||Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).||YES|
|D. Commercial information.||Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.||YES|
|E. Biometric information.||Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.||NO|
|F. Internet or other similar network activity.||Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.||YES|
|G. Geolocation data.||Physical location or movements.||NO|
|H. Sensory data.||Audio, electronic, visual, thermal, olfactory, or similar information.||YES|
|I. Professional or employment-related information.||Current or past job history or performance evaluations.||NO|
|J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).||Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.||NO|
|K. Inferences drawn from other personal information.||Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.||NO|
We obtain the categories of personal information listed above from the following categories of sources:
We make no active effort to collect personal information from children and do not wish to receive any such information. If we learn that we have collected the personal information of a child under 18, we will take steps to delete the information as soon as possible.
We do not, and will not, sell your personal information to anyone for any purpose as defined by the CCPA.
We may use or disclose the personal information we collect for one or more of the following purposes:
We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
We share your personal information with the following categories of third parties:
Category A: Identifiers.In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:
We do not, and will not, sell your personal information to anyone for any purpose as defined by the CCPA.
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
Deletion Request Rights
Complete the transaction(s) for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
Exercising Access, Data Portability, and Deletion Rights
Calling us at 800-234-2103 to exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
Making a verifiable consumer request does not require you to create an account with us. However, we do consider requests made through your password protected account sufficiently verified when the request relates to personal information associated with that specific account.
We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.
If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.
Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Deny you goods or services.We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the Website and update the notice’s effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.
Phone: 800-234-2103If you have any questions or comments about this notice, the ways in which we collect and use your information described here, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Email: [email protected]
Postal Address: Western Mutual Insurance Group
ATTN: Privacy Officer
PO Box 19626
Irvine, CA 92623-9626
Download our CCPA Consumer Request form here.
Effective Date: 1-1-2020