Policy last updated: September 3, 2009

Esurance's Privacy & Security Commitment

Esurance values its relationship with you. Protecting the privacy of your information is of the greatest importance to us. As an insurance provider, we are regulated by Federal and State laws protecting the confidentiality and security of your information, as well as our use and disclosure of it.

• Whether you are a current, former, or potential customer, Esurance treats your personal information with the same high level of confidentiality and security.
• We never sell your personal information.
• We only share your personal information as necessary to provide the insurance products and services you have requested or to contact you about Esurance's products and services.
• We DO NOT share information with third parties for Marketing purposes unless we have your prior permission to do so. This is our pledge to you.

Our Use And Disclosure of Information
At Esurance, we gather information about you that may be used to process and service your insurance policy, settle your claims and offer you additional products and services that we think may be of interest to you, and as permitted or directed by you. Some of this may be nonpublic, personal information (information not available to the general public) that is provided by you, that we gather from transactions and communications with you, through services performed for you, that we obtain from third parties, or that we obtain through other means, all as permitted by law.

Information We Collect From You
This includes information you provide us when you apply for our products or request services, either on the Internet, by phone, or by other means. It may include information such as your name, address, residence information, telephone number, email address, vehicle information, driver's license number, driving history, current or former insurance information, social security number, gender, educational background, date of birth, marital status and Esurance Web pages visited. It also includes information from your communications with us such as letters, telephone calls, and emails.

Information We Collect From Third Parties
This includes information we collect from insurance support organizations, such as consumer reporting agencies and other third parties. It includes information such as motor vehicle reports, consumer credit information, demographic information, insurance histories, and claims reports. Information obtained from insurance support organizations may be retained by such organizations and disclosed to other persons as permitted by law.

Information About Your Transactions
This includes information about your transactions with us and others, including our affiliates. It includes information such as your policy coverage levels, account balances, claims history, and billing information.

Information We Disclose
The above-described types of personal and other types of information about our current, former, or potential customers, may be disclosed, but only as permitted or required by law, or as permitted or directed by the customer or consumer.

We may disclose such information to affiliated and nonaffiliated insurance companies, insurance agents, reinsurance companies, insurance support organizations, such as consumer reporting agencies, government entities, and claims administrators. We may also disclose information to nonaffiliated third parties that perform services or functions on our behalf including the marketing of our products or services. Further, we may also disclose information as necessary to effect, administer or enforce a transaction that you request or authorize.

The following are examples of situations in which we may disclose information:

• Your information may be passed between us and our agents, appraisers, attorneys, investigators, and others who may be involved in the sales and marketing of Esurance products and services, processing of applications, and servicing of policies or claims.
• We provide your policy information to adjusters and other appropriate business entities that make any necessary repairs to your vehicle when you are involved in a claim.
• We may provide your information to others whom we determine need such information to perform insurance or other professional functions for us. These may include parties helping us with administrative services and consumer reporting agencies.
• We may supply information as required by search warrant, subpoena, or legal process, with state insurance departments, or other law enforcement or government authorities when required by law, or to protect our own legal interests in the event of suspected illegal or fraudulent activities.
• If we collect your information as an agent for one of our business partners, we may use it to contact you or make you an offer regarding auto insurance that may be of interest to you.

All of the nonaffiliated entities with which we may share your information are required to keep the information confidential and use it only for the purposes for which it was shared, except as otherwise permitted by law.

Esurance Communications
As an Esurance policyholder, Esurance will contact you regarding your policy and our products and services, such as billing notices, confirmations of changes, changes to our products, and other Esurance-specific communications. You may NOT unsubscribe from these Esurance-specific communications that relate to your primary usage of our service and products; and you agree to receive these if you make a purchase.

From time-to-time, Esurance may contact you about third-party promotions. In addition, prior to purchasing a policy or after canceling your policy, Esurance may contact you to confirm your quote or invite you to come back and get a new quote or to purchase a policy. You will have the ability to unsubscribe from whichever type of communication you received.

Confidential and Secure Environment
Esurance is strongly committed to protecting the confidentiality and security of your information against unauthorized access and disclosure. Esurance uses encryption technology to protect your information. Our Web servers have been enabled with Secure Sockets Layer (SSL) technology to prevent unauthorized parties from viewing personal information provided to Esurance during a secure session.

All secure pages on our Web site have been issued a digital certificate by Secure Server Certification Authority. You can view this digital certificate affirming the security of our site by clicking on the image of the closed lock at the bottom of your browser window. A small frame displaying our site's security information will appear. Click on "Certification Path" to verify that you are on the Esurance site. Click on "Issuer Statement" to verify our site's certification authority.

You can browse our Web site anonymously and find information about Esurance and our products. Esurance collects general, anonymous information about Web site visits as part of our business tracking. This information does not identify you personally, and is used to enhance your Web site experience. This includes information such as how you linked to our Web site, your Internet protocol (IP) address, your browser type, and your time of visit. Esurance may use third-party Web analytic and advertising services (our "third-party ad servers") such as Atlas and DoubleClick to assist with this collecting and tracking of anonymous information.

In particular, Esurance and its third-party ad servers may use technology that includes pixels and cookies on our Web site, and on Web sites on which we advertise, to support site tracking, measure site performance, and for product marketing. For example, one of our third-party ad servers may place a cookie on your computer that, in conjunction with pixels stored on our Web pages, helps to identify your computer when you return, to personalize aspects of your experience at our site, and to better understand how visitors are using our site, all of which helps us to continually improve your experience on our site. These cookies and pixels contain no personally identifiable information (such as your name, address, telephone number or email address) and will not damage your computer. Industry standard encryption techniques are used to send these cookies and your security is not compromised by their use. Your browser must be set to accept Esurance's cookies in order to properly navigate the Esurance site. If you would like more information about the use of cookies and pixels by our third-party ad servers, including how to opt out of their use of these technologies, please visit
http://www.networkadvertising.org/managing/opt_out.asp.

We restrict access to your personal information to our employees, our affiliates' employees, or others who need to know that information to service your account. We maintain strict physical, electronic, and procedural safeguards to protect your personal information.

Links to Other Companies on the Esurance Web Site
The Esurance Web site contains links to our business partners and links to other sites offering valuable information. If you choose to provide any personal information directly to any of these entities, the collection and disclosure of your personal information by that entity will be governed solely by that entity's privacy policy. Esurance makes no representations or warranties regarding these sites.

Reviewing or Correcting Your Information
As a policyholder, you can always review and update your information through your account on our Web site at www.esurance.com or by calling our customer service center at 1-800-ESURANCE (1-800-378-7262). All consumers have the right to know the personal information that Esurance has about them, to make changes to that information, and to know the identity of any entity that Esurance has disclosed that information to within the previous two years. To make such an inquiry please call our customer service center or write to the address listed below and identify the information you would like. You will be required to provide certain personal information for identity verification purposes. If your information is immediately accessible when you call, the customer service representative will review it with you and you may make changes to it at that time. If your information is not immediately accessible when you contact us, within 30 business days, Esurance will inform you of the types of information we have about you. If you would like to further review the information, you may review and copy the information in person at our customer service center or request a copy be sent to you by mail. Esurance may charge a fee for providing a copy by mail.

Information Request
Esurance Customer Service
P.O. Box 5250
Sioux Falls, SD 57117-5250

Contact Information
For questions about our privacy policy, please contact us at the address below, or send an email to: privacy@esurance.com

Privacy
Esurance Customer Service
P.O. Box 5250
Sioux Falls, SD 57117-5250

This privacy policy applies to the following companies:

Esurance Insurance Services, Inc.
Esurance Insurance Company
Esurance Insurance Company of New Jersey
Esurance Property and Casualty Insurance Company
Home State County Mutual Insurance Company (for Esurance-Home State Customers)

Esurance may modify this Policy from time to time. The current policy is always available at www.esurance.com. If significant changes are made to the Policy, Esurance will notify its policyholders.