Wawanesa General Insurance

In the early 70's Wawanesa Mutual Insurance Company of Canada entered the US insurance market by establishing its subsidiary in San Diego, California. The branch started operations in April 1975. Today the company has a license to run its business in California and Oregon. In California, Wawanesa General offers residential and car insurance to residents of California, while only automobile insurance is offered to residents of Oregon. The headquarter of the company is situated in San Diego, where Wawanesa General Insurance underwrites policies, processes claims and conducts other activities.

Wawanesa General focuses its efforts on Personal Lines Automobile and Homeowners insurance markets. It conducts direct mail marketing techniques and implements newspaper and radio advertising. And this way of running the business is quite effective, since according to estimates more then 90% of new business is developed from referrals of existing customers. In addition, Wawanesa keeps up expense level below the averages. These savings allow the company to offer customers lower insurance rates.

Insurance plans offered

Wawanesa General Insurance offers Car, Homeowners, and Condominium insurance to residents of California. All policies for automobile insurance are issued for 12 months at rates ranging between 25% and 35%, which is below usual mutual rates. Like automobile insurance Homeowners insurance rates are also below standard rates. Wawanesa used to offer insurance coverage only for single-family dwellings, however starting from 1991 this line was expanded and now includes Condominium coverage as well.

Are you eligible for automobile insurance? In order to be the one your historical driving records have to satisfy the "Good Driver" definition. This means that you can't have more than one traffic violation point during the last 36 months, as well as more than one fault accident point.

If you are the homeowner willing to insure your dwelling, than you have to meet two conditions: you must be the one who occupies the dwelling and it should be your primary residence. However, other factors also may affect your eligibility. For example: house condition, loss history, proximity to fire hazards and etc. The same can be said about condominium insurance.