Allianz Underwriters Insurance Company Review (2024)

Introducing a comprehensive analysis of Allianz Underwriters Insurance Company, examining its coverage options, competitive rates, and customer-centric approach.

UPDATED: Nov 28, 2023

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: Nov 28, 2023Fact 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: Nov 28, 2023

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: Nov 28, 2023

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: Nov 28, 2023

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: Nov 28, 2023Fact Checked
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Allianz Underwriters Insurance Company

Average monthly rate for homeowners:

$100

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • Diverse range of insurance policies
  • Strong financial stability
  • Personalized customer service
  • Comprehensive coverage options
  • Hassle-free claims process

Cons

  • Rates might be higher for younger drivers
  • Limited coverage in certain specialized areas
  • Limited availability in certain regions
  • Online account management interface can be improved
  • Additional discounts could be more competitive

Final Verdict: Review of Allianz Underwriters Insurance Company

Allianz Underwriters Insurance Company emerges as a versatile and reliable insurance provider, offering an extensive array of coverage options across health, auto, home, life, and travel insurance. With a commitment to comprehensive protection, the company caters to individual needs with tailored plans while ensuring strong financial stability and customer-centric services.

Through its diverse policies, including term, whole, and universal life insurance, Allianz Underwriters secures families’ futures. The company’s travel insurance provides peace of mind during journeys, offering coverage for trip cancellations, emergency medical situations, and lost luggage.

With a focus on personalized service and discounts such as multi-policy and safe driver incentives, Allianz Underwriters reinforces its commitment to affordable and quality insurance solutions in a competitive market.

Allianz Underwriters Insurance Company Insurance Coverage Options

Allianz Underwriters Insurance Company offers an extensive selection of coverage options to address diverse insurance needs. Here’s a closer look at the coverage options available:

Health insurance coverage:

  • Comprehensive health coverage: Allianz Underwriters provides inclusive health insurance that ensures access to a wide network of healthcare providers and an array of medical services. From routine check-ups to specialized treatments, their plans are designed to safeguard your well-being.
  • Specialized health plans: Recognizing that individuals have unique healthcare requirements, Allianz Underwriters offers specialized health plans catering to different life stages and medical needs. These plans provide tailored coverage that aligns with specific health concerns.
  • Health savings accounts: Allianz Underwriters empowers you to manage your healthcare expenses effectively through Health Savings Accounts. This feature allows you to save and allocate funds for medical costs, offering a practical solution to handle healthcare-related finances.

Auto insurance coverage:

  • Full coverage auto insurance: Allianz Underwriters’ full coverage auto insurance extends beyond the basic liability coverage, providing comprehensive protection. This policy not only covers damage to other vehicles but also safeguards your own vehicle against a range of potential risks, offering peace of mind on the road.
  • Liability-only auto insurance: For those seeking a cost-effective solution, Allianz Underwriters offers liability-only auto insurance. This option covers damages to other vehicles in case of an accident, allowing you to fulfill legal requirements while staying within your budget.
  • Personal injury protection: In the event of an accident, personal injury protection by Allianz Underwriters ensures that medical expenses for you and your passengers are covered, regardless of who is at fault. This coverage prioritizes your well-being and eases the financial burden of medical costs.

Home insurance coverage:

  • Dwelling coverage: Safeguarding your home’s structure, Allianz Underwriters’ dwelling coverage provides financial protection against damages to the physical aspects of your residence. From walls and roofs to built-in appliances, this coverage ensures that your dwelling is well-protected.
  • Personal property protection: Allianz Underwriters recognizes the value of your personal belongings. Their personal property protection coverage covers the loss or damage of items such as furniture, electronics, and other possessions due to covered events like theft or fire.
  • Liability coverage for homeowners: Accidents can happen, even at home. Allianz Underwriters’ liability coverage for homeowners offers financial protection if someone gets injured while on your property. This coverage assists in legal expenses and potential medical costs.

Life insurance coverage:

  • Term life insurance: Allianz Underwriters’ term life insurance provides coverage for a specific period, offering an affordable solution for ensuring financial security for your loved ones. This option is ideal for those seeking protection during specific life stages.
  • Whole life insurance: With whole life insurance, Allianz Underwriters offers lifelong coverage that also accumulates cash value over time. This coverage provides financial protection while potentially serving as an investment avenue for the future.
  • Universal life insurance: Universal life insurance from Allianz Underwriters offers flexibility, allowing you to adjust your premium and coverage to match your changing circumstances. This policy caters to evolving financial needs and long-term planning.

Travel insurance coverage:

  • Trip cancellation coverage: Allianz Underwriters’ trip cancellation coverage reimburses prepaid, non-refundable trip expenses if you need to cancel or interrupt your journey due to unforeseen circumstances. This coverage ensures that your travel investment is protected.
  • Emergency medical coverage: Travel emergencies can be stressful, especially in unfamiliar places. Allianz Underwriters’ emergency medical coverage ensures that you’re covered for medical expenses and emergency medical transportation while traveling.
  • Lost luggage coverage: Losing luggage can disrupt your travel plans. Allianz Underwriters’ lost luggage coverage helps replace belongings that are lost, stolen, or damaged during your trip, allowing you to continue your journey with peace of mind.

These coverage options encompass a wide spectrum of insurance needs, demonstrating Allianz Underwriters’ commitment to providing comprehensive protection and peace of mind for individuals and families alike.

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Allianz Underwriters Insurance Company Insurance Rates Breakdown

Driver ProfileAllianz Underwriters Insurance CompanyNational Average
Clean Record$110$119
1+ Ticket$135$147
1+ Accident$160$173
DUI$195$209
Poor Credit$189$205

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

Allianz Underwriters Insurance Company Discounts Available

DiscountAllianz Underwriters Insurance Company
Anti Theft15%
Good Student20%
Low Mileage15%
Paperless10%
Safe Driver20%
Senior Driver10%

Allianz Underwriters Insurance Company recognizes the importance of offering cost-saving opportunities to its customers. They provide various discounts that can help policyholders save on their insurance premiums. Here are some of the notable discounts offered by the company:

  • Multi-policy discount: If you bundle multiple insurance policies with Allianz Underwriters, such as combining auto and home insurance, you can benefit from a multi-policy discount, which leads to reduced premiums.
  • Safe driver discount: Allianz Underwriters rewards safe driving habits. If you maintain a clean driving record without any accidents or violations, you may qualify for a safe driver discount.
  • Good student discount: Students who excel academically can enjoy lower insurance rates. Allianz Underwriters offers a good student discount to eligible high school and college students.
  • Multi-vehicle discount: If you have more than one vehicle insured with Allianz Underwriters, you may be eligible for a multi-vehicle discount. This discount acknowledges the loyalty of customers with multiple vehicles.
  • Home safety features discount: For homeowners, having safety features in your home, such as security systems and smoke alarms, can lead to reduced home insurance premiums.
  • Pay-in-full discount: Opting to pay your insurance premium in full rather than through installments can make you eligible for a pay-in-full discount, providing savings over the policy term.
  • Paperless billing discount: By choosing paperless billing and managing your policy online, you can earn a paperless billing discount as an environmentally-friendly and convenient option.
  • Affinity group discount: Allianz Underwriters partners with certain organizations and groups, offering special discounts to members of these affinity groups.
  • Good credit discount: Maintaining a good credit score can have positive effects on your insurance premiums. Allianz Underwriters may offer a discount based on your credit history.

These discounts reflect Allianz Underwriters’ commitment to providing value to their customers. By taking advantage of these opportunities, policyholders can enjoy more affordable insurance coverage while still benefiting from the company’s comprehensive protection and services.

How Allianz Underwriters Insurance Company Ranks Among Providers

In the competitive landscape of insurance providers, Allianz Underwriters faces competition from several well-established companies that also offer a diverse range of insurance products. Here are some of the company’s main competitors:

  • StateFarm: StateFarm is a prominent player in the insurance industry known for its wide range of insurance offerings, including auto, home, health, and life insurance. The company boasts a strong customer base and a network of agents across the United States.
  • Geico: Geico is recognized for its direct-to-consumer approach and witty advertising campaigns. It offers competitive rates on auto insurance and has expanded its portfolio to include other insurance types.
  • Progressive: Progressive is renowned for its innovative approach to auto insurance and its Snapshot program, which monitors driving habits to determine personalized rates. The company also offers other insurance products like home and renters insurance.
  • Allstate: Allstate is known for its comprehensive coverage options and strong financial stability. The company offers a wide range of insurance policies, including auto, home, life, and more.
  • Nationwide: Nationwide is a well-established insurance provider with a broad selection of insurance offerings, including auto, home, and pet insurance. The company’s focus on personalized customer service sets it apart.
  • Liberty Mutual: Liberty Mutual offers a diverse array of insurance products, including auto, home, and life insurance. The company is known for its customizable coverage options and multi-policy discounts.
  • Travelers: Travelers provides insurance solutions for individuals and businesses. Its range of offerings includes auto, home, and business insurance, along with specialized coverage options.
  • AIG: AIG is a global insurance company that offers a variety of insurance products, including life, health, and property insurance. It’s known for serving a wide range of clients, from individuals to large corporations.
  • USAA: USAA primarily serves military members and their families, offering auto, home, and other insurance products. The company is recognized for its strong customer service and tailored coverage options.
  • Erie Insurance: Erie Insurance focuses on providing coverage for auto, home, and business needs. The company’s emphasis on personalized service and competitive rates make it a significant player in the market.

Each of these competitors brings its own strengths and unique selling points to the table. Allianz Underwriters distinguishes itself through its comprehensive coverage options, personalized customer service, and strong financial stability.

The competition in the insurance industry drives companies like Allianz Underwriters to continuously innovate and enhance their offerings to meet the evolving needs of customers.

Streamlined Claims Experience for Allianz Underwriters Insurance Company

Effortless Claim Filing

Allianz Underwriters Insurance Company’s commitment to simplicity shines through its effortless claim filing process. Whether through a user-friendly online platform, a quick phone call, or the convenience of their mobile app, policyholders have multiple options for submitting claims.

Swift Claim Processing

Allianz Underwriters Insurance Company is known for its efficiency in processing claims. While processing times may vary depending on the claim’s nature, the company is dedicated to swiftly resolving claims, ensuring policyholders receive timely responses and resolutions.

Customer Satisfaction with Claim Outcomes

Customer feedback is a testament to Allianz Underwriters Insurance Company’s performance in claim resolutions and payouts. Positive reviews from satisfied customers highlight the company’s commitment to meeting policyholders’ needs and expectations during challenging times.

Digital Advancements for Convenience on Allianz Underwriters Insurance Company

Mobile App Empowerment

Allianz Underwriters Insurance Company’s feature-rich mobile app empowers policyholders with convenient tools and resources. From easy access to policy details to initiating claims and making payments on the go, the app’s user-friendly interface enhances the insurance experience.

Seamlessly Manage Online Accounts

For those who prefer online account management, Allianz Underwriters Insurance Company offers a comprehensive digital platform. Policyholders can effortlessly view policy details, update information, and access essential documents, putting control at their fingertips.

Digital Toolkit for Informed Decisions

Allianz Underwriters Insurance Company provides policyholders with a diverse set of digital tools and resources. These resources, including educational materials and calculators, empower customers to make well-informed decisions about their insurance coverage, enhancing their overall experience.

Frequently Asked Questions

How do I file a claim with Allianz Underwriters?

Filing a claim with Allianz Underwriters is a straightforward process. You can initiate a claim by contacting their claims department via phone or through their online platform. Provide the necessary information, and their experienced team will guide you through the claim submission and processing steps.

Can I customize my health insurance plan?

Absolutely. Allianz Underwriters understands that every individual’s health needs are unique. They offer a range of health insurance plans that can be tailored to your specific requirements.

Whether you need comprehensive coverage, specialized plans, or health savings accounts, Allianz Underwriters aims to provide flexibility in your health insurance choices.

What types of vehicles are covered under their auto insurance?

Allianz Underwriters’ auto insurance covers a wide range of vehicles, including cars, trucks, SUVs, and motorcycles. Whether you’re driving a daily commuter vehicle or an adventurous two-wheeler, their auto insurance policies are designed to protect you and your vehicle.

Is there an age limit for purchasing life insurance?

While age limits may vary depending on the type of life insurance, Allianz Underwriters offers policies designed to accommodate various age groups.

Are pre-existing medical conditions covered in their travel insurance?

Allianz Underwriters’ travel insurance may offer coverage for unexpected medical issues, but it’s essential to review the policy details to understand the extent of coverage for pre-existing conditions.

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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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