United States Insurance Companies – Which One Offers the Best Coverage?

Universal Insurance

With dozens of insurance companies you can find in the U.S., it’s hard to choose which one of them gives the best offer. Since your financial security lies in this investment, you have to be picky among the United States insurance companies.

For this post, we listed the biggest and most popular insurance companies in the country and what they offer in a nutshell.

Edison Insurance Company

The Edison Insurance Company offers policies for homeowners and condo owners. However, they only cater to the state of Florida. Still, this localization allows them to tailor fit the policy to the needs of the FL locals.

Also, you can customize your coverage by picking and paying only for those that you need. They provide insurance policies for townhouses, single-family homes, and duplexes.

Moreover, you can also add extra coverage such as animal liability, personal injury and liability, medical payment, screen enclosures, and more. For condos, they will also insure the contents of the unit.

Scottsdale Insurance Co.

For those looking for citizens insurance or specialty programs, The Scottsdale Insurance Company might be the ideal choice. They offer policies like Personal Insurance, Business Insurance, Group Benefits, and Life and Health.

In addition, they also have specialty programs for auto services, hospices, pest control companies, pharmacies, contractors, and daycare providers.

One great thing about Scottsdale Insurance Co. is their partnership with dozens of financially stable companies. Included in their roster are AmTrust, Keystone Insurers Group, ProAssurance, The Hartford, Guardian Life, Western Surety Company, iSurity, and more.

Assurant Insurance

For universal insurance, Assurant Insurance could be the provider for you. They offer financial protection on purchases like appliances, homes, cars, phones, and more. Also, they provide policies for businesses as well as lender-placed insurance and flood protection.

Assurant Insurance also works in industries like prearranged funerals, multifamily housing, vehicle protection, manufactured housing, and more.

They claim to be problem solvers and pioneers in such insurance policies. True enough, they are already an institution, having been in the industry for 125 years and is one of the Fortune 500 companies.

Liberty Mutual Insurance

For those looking for an insurer for their new home, condo, or car, Liberty Mutual Insurance could be the best bet. Aside from the mentioned properties, they also provide renter’s insurance.

Aside from conventional cars, they also insure boats, watercraft, umbrellas, RVs, ATVs, antique cars, and off-road vehicles.

Their property insurance is also comprehensive. They cover condos, mobile homes, flooding, renters, and even landlords.

Also, if you want to save money and get more than one insurance policy, you can avail Liberty Mutual Insurance’s bundle offers. This will save you a few bucks and time from looking for another insurer.

Capitol Preferred Insurance

A guaranteed homeowners’ choice, Capitol Preferred provides insurance for hurricanes, fires, condos, homes, equipment breakdown, flooding, identity theft, and more. Aside from that, they also give life insurance policies in partnership with the Prosperity Life Group.

The Capitol Preferred was established in 1997 and is currently serving South Carolina, Louisiana, and Florida. As of now, they have 70,000 policies in effect.

In addition, Capitol Preferred takes pride in their $40 million surplus funding. With competitive rates, they are a stable option for a variety of coverage for your property and self.

St. Johns Insurance

The St. Johns Insurance offers coverage for homeowners, landlords, condo owners, and those who are looking for a personal umbrella policy.

This insurer also bears an A+ rating and the Better Business Bureau accreditation. Also, Demotech Inc. awarded this insurance provider with an exceptional rating for financial stability.

Aside from that, St. Johns Insurance also offers coverage for loss of use, personal liability and other structures like detached garages, fences, and the likes.

Also, you can avail of the personal property insurance for more comprehensive coverage. It includes your personal belongings like expensive clothes, furniture, electronics, and more.

Chubb Insurance

If you want an insurance provider that will cover all your needs, you should consider Chubb for your policy. For individuals, they offer home, auto, liability, cyber, flood, natural disasters, boats, travel, and valuables coverage. They even have life and health protection aside from their bespoke services.

If you own a business, Chubb will cater to a myriad of industries including aerospace, agriculture, broadcast, transportation, financial institutions, healthcare, law, and more.

Chubb Insurance is one of the largest and most comprehensive insurance providers in the United States. Overall, they have 44 branches across the U.S. where you can inquire and purchase a policy.

Farm Bureau Insurance

The Farm Bureau Insurance operates in the south, specifically in the states of South Carolina, Idaho, and Michigan, among others.  They offer property and auto insurance with coverage including condos, renters, fire, flood, earthquake (which is rare), manufactured homes.

Aside from these, they also offer universal property and casualty, including health, life, business, umbrella, financial, and farm policies.

Since this is a local insurance provider, they can customize the policy to suit your needs, location, and potential risks.

 Moreover, they also help farmers improve their productivity. It’s a win-win situation for both the policyholders and the recipients of the insurer’s support.

Front Line Insurance

If you’re looking for a home and commercial insurance, you should consider Front Line Insurance. They are a group of independent insurance companies that serve southern states. Some of which include South Carolina, Florida, North Carolina, and Florida.

They focus on homeowners policies with competitive rates and a more straightforward process. They are one of the most reputable insurance providers in FL that they were awarded the 2014 Trusted Choice Company of the Year during the Florida Association of Insurance Agents Annual Convention.

Aside from the conventional homeowner policy, they also offer high-value home insurance, flood insurance, dwelling fire, condo insurance, and renters’ insurance.

Florida Specialty Insurance Company

Operating since 1997, the Florida Specialty Insurance Company offers property insurance and other related services. Some of their main products include comprehensive homeowners’ insurance, condo insurance, manufactured home insurance, and property replacement insurance.

Moreover, they also offer coverage for equipment breakdown, golf cart coverage, identity theft, and flood program. If you want to customize your policy, you can avail this optional coverage.

 They also offer convenient payment options for their policies.

Federated National Insurance

For homeowners and property owners, the Federated National Insurance or FedNat is one of the top choices. They have renters, condo, high-value homes, and homeowners insurance.

Also, they offer the so-called Storm Peace policy, which is supplemental hurricane protection that will give you financial assistance within 72 hours after the storm has hit. It allows you to get back on your feet fast. Regardless if the hurricane makes landfall or not, you are eligible for a claim.

In addition, you can also tap FedNat for an umbrella liability insurance and flood insurance.

UPC / United Property and Casualty

For property owners, the UPC offers a comprehensive and personalized policy that will meet your needs. Like most insurance providers, they provide homeowners’ policy inclusive of loss of use, personal property, and liability.

Aside from that, you can get policies for renters, landlords, condos, and commercial residents. Also, UPC offers seasonal and secondary policies for landlords.

UPC is a modern insurer because they include some enhancements in your policy. This includes coverage for identity theft, home systems protection, and service line coverage. UPC promises to tailor fit each policy based on your geography and needs.

State Farm

Be it for your home, car, life, health, and liability, State Farm covers you in all aspects. They have a long list of insurance products that aim to secure you and your family.

Aside from typical home and renters policy, State Farm also insures ranches and farms together with personal articles. Also, if you own a motorhome, boats, or off-road vehicles, they can provide an impressive policy to protect it from financial ruin.

And if you want to have all-in security, their Term Life, Whole Life, and Universal Life policies will give you peace of mind.

Also, unlike other insurance companies, State Farm offers disability coverage for short-term and long-term conditions. And for added protection, you can avail either professional/commercial or personal liability insurance.

Allstate Insurance

Allstate Insurance offers a complete line of personal insurance coverage, including home, auto, renters, and life policies. You can also choose a type of coverage depending on the property that you own. Currently, Allstate offers products for condos, businesses, motorcycles, boats, and ATVs.

GEICO

From being the leading car insurance provider, GEICO has grown to be a comprehensive insurer. Currently, they offer the same vehicle policy alongside business and property insurance.

For their additional insurance, you can purchase the Umbrella, Life, Travel, Identity Protection, Overseas, Jewelry, and Pet policies. No other insurer has this long list of product options.

Wrapping Up

There are many United States insurance companies, but not all of them are made equal. You should choose one that customizes the policy to meet your unique needs. In the end, every dollar spent should be equated with convenience, stability, and security.

What do you think of this list? Share your thoughts with us!