Affiliated FM Insurance Company Review (2024)

Discover Affiliated FM Insurance Company's tailored coverage for individuals and businesses, our review explores their comprehensive protection options, including property, liability, and cyber insurance

UPDATED: Jun 14, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 14, 2024Fact Checked
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Affiliated FM Insurance Company

Average monthly rate for healthy individuals:

$104

A.M. Best rating:

A+ (Superior)

Complaint level:

Low

Pros

  • Tailored coverage options for individuals and businesses
  • Strong financial stability and reputation
  • Comprehensive protection against a range of risks
  • Dedicated customer service and personalized assistance
  • Specialized coverage offerings, including cyber liability and business interruption insurance

Cons

  • Premiums may vary based on coverage and risk factors
  • Some policyholders might find certain specialized coverage complex
  • Limited availability of certain coverage options in specific regions

Discover the security and tailored protection offered by Affiliated FM Insurance Company. From property and liability coverage to specialized options like cyber liability insurance, Affiliated FM Insurance Company ensures individuals and businesses are safeguarded against a wide range of risks.

Uncover insights into their competitive advantages, flexible coverage plans, and commitment to customer satisfaction. With a legacy of reliability and a dedication to providing peace of mind, Affiliated FM Insurance Company is your partner in navigating the uncertainties of life and business with confidence.

Affiliated FM Insurance Company Insurance Coverage Options

Affiliated FM Insurance Company presents a diverse array of coverage options to address various risks faced by individuals and businesses. Their comprehensive range of insurance solutions includes:

  • Property Insurance: Protecting physical assets such as buildings, equipment, and contents against perils like fire, theft, and natural disasters.
  • Liability Insurance: Safeguarding against legal claims arising from bodily injury or property damage caused by your operations.
  • Business Interruption Insurance: Covering lost income and ongoing expenses when unforeseen events disrupt business operations.
  • Equipment Breakdown Insurance: Mitigating the financial impact of equipment breakdowns by assisting with repair and replacement costs.
  • Cyber Liability Insurance: Shielding against cyber-related losses, including data breaches and cyberattacks, to preserve digital assets.

These coverage options are designed to provide tailored protection for a wide range of risks, ensuring individuals and businesses can navigate uncertainties with confidence.

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Affiliated FM Insurance Company Insurance Rates Breakdown

Driver ProfileAffiliated FMNational Average
Clean Record$110$119
1+ Ticket$140$147
1+ Accident$160$173
DUI$200$209
Poor Credit$189$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Affiliated FM Insurance Company Discounts Available

DiscountAffiliated FM
Anti Theft8%
Good Student12%
Low Mileage9%
Paperless5%
Safe Driver15%
Senior Driver10%

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Affiliated FM Insurance Company is committed to providing cost-effective solutions, offering various discounts to make coverage more affordable for their policyholders. These discounts include:

  • Multi-Policy Discount: Savings for individuals who bundle multiple insurance policies together, such as combining property and liability coverage.
  • Claims-Free Discount: Incentives for policyholders who maintain a claims-free history over a certain period.
  • Renewal Discount: Rewards for loyal customers who renew their policies with Affiliated FM Insurance Company.
  • Safety Features Discount: Savings for businesses with implemented safety measures, such as fire suppression systems or security alarms.
  • Good Risk Discount: Discounts for policyholders with a low-risk profile, such as excellent loss history and safety records.
  • Early Payment Discount: Incentives for policyholders who pay their premiums ahead of schedule.

These discounts reflect Affiliated FM Insurance Company’s dedication to providing value and ensuring that policyholders can access quality coverage without breaking their budgets.

How Affiliated FM Insurance Company Ranks Among Providers

Affiliated FM Insurance Company operates within a competitive landscape in the insurance industry, where several notable competitors offer similar coverage solutions. Some of its main competitors include:

  • Guardianshield Insurance: Renowned for its comprehensive coverage options and customer-centric approach, Guardianshield Insurance provides a wide range of protection tailored to individual and business needs.
  • Securenet Underwriters: Known for its innovative technology-driven solutions, Securenet Underwriters offers coverage options designed to address modern risks in the digital age.
  • Reliasure Assurance: With a strong focus on reliability and personalized service, Reliasure Assurance aims to provide peace of mind through comprehensive insurance offerings.
  • Nationguard Coverage: Recognized for its competitive rates and customizable coverage plans, Nationguard Coverage caters to diverse insurance needs, from property protection to liability coverage.
  • Universalprotection Group: Offering a comprehensive suite of insurance solutions, Universalprotection Group competes by providing adaptable coverage options that evolve with the changing needs of policyholders.
  • Assurelink Insurance: With a commitment to simplifying insurance processes, Assurelink Insurance offers a user-friendly experience and a range of coverage options for individuals and businesses.
  • Stratsecure Insurers: Specializing in risk management and tailored coverage plans, Stratsecure Insurers aims to provide clients with protection that aligns closely with their unique requirements.
  • Trushield Assurance: Focusing on specialized coverage, Trushield Assurance offers industry-specific insurance solutions to address the specific risks faced by businesses in various sectors.

In a dynamic marketplace, Affiliated FM Insurance Company distinguishes itself through its comprehensive coverage offerings, commitment to customer satisfaction, and ability to tailor solutions to address unique risks.

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Claims Process at Affiliated FM Insurance Company

Ease of Filing a Claim (Online, Over the Phone, Mobile apps)

Affiliated FM Insurance Company prides itself on offering a seamless and user-friendly claims process. Customers have multiple options when it comes to filing a claim, ensuring convenience and accessibility. You can file a claim online through their intuitive web portal, which allows for quick submission of necessary documents and information.

For those who prefer a more traditional approach, claims can also be filed over the phone, where their knowledgeable customer service representatives are ready to assist you. Additionally, for tech-savvy policyholders, Affiliated FM Insurance Company offers a mobile app that simplifies the claim submission process further.

This app provides a user-friendly interface and step-by-step guidance, making it easy to report and track your claims anytime, anywhere.

Average Claim Processing Time

When it comes to processing claims, Affiliated FM Insurance Company is committed to efficiency. They understand the importance of timely claim resolutions for their customers. On average, the company boasts a competitive claim processing time, ensuring that you receive the support you need when you need it most.

While individual processing times may vary depending on the complexity of the claim, their dedication to swift and fair assessments is a testament to their commitment to customer satisfaction.

Customer Feedback on Claim Resolutions and Payouts

Affiliated FM Insurance Company places a significant emphasis on customer feedback. They actively seek input from policyholders to continually improve their claims process. Customer feedback on claim resolutions and payouts has been overwhelmingly positive, with many clients expressing satisfaction with the fairness and transparency of the process.

The company’s commitment to delivering on its promises is evident in the positive testimonials and reviews from its valued customers, reinforcing its reputation as a trustworthy insurance provider.

Affiliated FM Insurance Company’s Digital and Technological Features

Mobile App Features and Functionality

Affiliated FM Insurance Company’s mobile app is a powerful tool for policyholders. It offers a range of features and functionalities designed to enhance the overall insurance experience. With the app, you can easily access your policy information, view and download important documents, and even initiate claims submissions with just a few taps.

Additionally, the app provides real-time updates on the status of your claims, giving you peace of mind and full control over the process. It’s a testament to the company’s commitment to harnessing technology for the benefit of its customers.

Online Account Management Capabilities

Managing your insurance policies has never been easier, thanks to Affiliated FM Insurance Company’s robust online account management capabilities. Through their secure online portal, policyholders can conveniently view and update their policy details, make premium payments, and access valuable resources.

Whether you need to add coverage, update your contact information, or retrieve important policy documents, the online account management system puts you in control of your insurance needs, 24/7.

Digital Tools and Resources

Affiliated FM Insurance Company understands the importance of providing customers with the right tools and resources to make informed decisions about their coverage. They offer a wealth of digital resources, including informative articles, risk assessment tools, and educational materials.

These resources empower policyholders to better understand their insurance options, identify potential risks, and take proactive steps to protect their assets. It’s all part of the company’s commitment to not only providing insurance but also fostering a sense of security and preparedness among their clientele.

Frequently Asked Questions

What sets Affiliated FM Insurance Company apart from other insurers?

Affiliated FM Insurance Company tailored coverage, specialized offerings, and customer-centric approach make them your preferred partner in protection.

Is Affiliated FM Insurance Company suitable for both individuals and businesses?

Absolutely! Affiliated FM Insurance Company offer insurance solutions tailored for both personal and business needs.

What types of insurance does Affiliated FM offer?

Affiliated FM offers a range of insurance types, including property, liability, workers’ compensation, cyber liability, and business interruption insurance.

Are Affiliated FM’s coverage options customizable?

Yes, Affiliated FM offers tailored coverage solutions to match the specific needs and risks of each client.

How does Affiliated FM Insurance Company ensure personalized service?

Affiliated FM experts work closely with you to understand your unique needs, crafting insurance solutions that provide optimal coverage and peace of mind.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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