Target a New Customer Niche with Quantum RentersSM July, 2007

The Market Opportunity There are over 1 million rental units in the U.S. Only 45% have rental coverage Many renters convert to condo/home buyers and represent a lucrative long term customer/high value home opportunity for your agency Renters represent a significant portion of new-forming households. An ideal opportunity to establish a long-term relationship Use this opportunity to educate potential customers about the need for renters insurance. Form that consultative relationship early in the customer lifecycle. Foreclosures in U.S. to reach record 1.3 million, compared to 900,000 in 2006 -- People who have foreclosed are likely to move into apartments

Quantum Renters Keeps Your Customers Satisfied Take advantage of Mass Market Opportunity with Quantum Renters One apartment complex can represent hundreds of potential customers Quantum Renters Keeps Your Customers Satisfied Quantum Renters policy offers… Comprehensive coverage for apartment contents and liability coverage Extra protection (optional coverages) for PAF, Valuable Items, ACE, etc. Multi-policy discount – a boost for account rounding More coverage options for easy customer customization Liability – if someone is accidentally injured while in your home or their property is damaged Contents – furniture, clothing, appliances, etc. Savings with built-in discounts: antitheft devices, smoke detectors, fire alarms, etc. Convenient payment options and account access Automatic Payment (EFT) – no bills, stamps or late fees Access accounts/make online payments – through MyTravelers.com

Tips for growing your book with Quantum Renters Target large apartment complexes for efficiency of acquisition, for example: Educate tenants on the need for rental insurance at monthly meetings or through apartment newsletter/communications Hire college student to drop customized letter/brochure in tenant mail boxes This will help lower acquisition cost by not needing to pay for postage Form relationships with local real estate agents and landlords to gain referrals and leads Set up referral program to offer incentive (i.e. Offer Starbucks gift card for number of leads provided) Make sure value of incentive does not exceed the revenue you will earn from the policy Educate landlords on the need for renters insurance Renters insurance protects landlords from liability and provides peace of mind Landlords can offer renter’s insurance to acquire/retain tenants (i.e. good selling point) Provide landlords with consumer brochures to distribute to tenants 4) Target any associations you be insuring from a business insurance standpoint

Use Consumer Brochure to Promote Quantum Renters Offers high-level overview of Travelers Renters Insurance Highlights benefits of customized coverage and working with an independent agent. Tips for Use Mail to existing/potential tenant customers Give to landlords at apartment buildings -- Landlords can offer renter’s insurance to acquire/retain tenants (i.e. good selling point) Target any associations you may be insuring from a business insurance standpoint

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