American Fire and Casualty Company: Customer Ratings & Reviews [2024]

American Fire and Casualty Company stands as a reliable insurance provider, offering a spectrum of coverage options from auto and home to business and life insurance, emphasizing competitive pricing and positive customer experiences.

UPDATED: Mar 4, 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: Mar 4, 2024Fact Checked

Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

Licensed Insurance Agent

Diego Anderson

Licensed Real Estate Agent

Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...

Licensed Real Estate Agent

UPDATED: Mar 4, 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: Mar 4, 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: Mar 4, 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: Mar 4, 2024Fact Checked
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American Fire and Casualty Company

Average monthly rate for homeowners:

$100

A.M. Best rating:

A (Excellent)

Complaint level:

Low

Pros

  • Wide range of insurance coverage options, including auto, home, business, and life insurance
  • Competitive pricing and attractive discounts for eligible policyholders
  • Availability in multiple states, offering coverage to a wide customer base
  • Positive customer reviews and reputation as a trusted insurance provider

Cons

  • Limited information available about specific discounts and eligibility criteria
  • Pricing may vary depending on individual risk factors and coverage requirements
  • Complaints about customer service or claims process could impact customer experience
  • Limited details available about the company’s history and mission

Final Verdict: Review of American Fire and Casualty Company

In summary, American Fire and Casualty Company is a trusted insurance provider with a wide range of insurance coverage options, including auto, home, business, and life insurance. With a history of excellence and a commitment to protecting individuals, families, and businesses from unexpected risks, this company offers competitive pricing, attractive discounts, and coverage in multiple states.

While limited information is available about their history and mission, positive customer reviews and a low complaint level attest to their reputation as a reliable and authoritative player in the insurance market. Whether you’re looking for comprehensive coverage for your home, auto, or business, American Fire and Casualty Company may be the right choice to insure with confidence.

As you navigate the complex world of insurance, finding a reliable and reputable provider is crucial to safeguarding your assets and ensuring peace of mind. One name that stands out in the industry is American Fire and Casualty Company. With a history of excellence and a commitment to providing comprehensive coverage options, this insurance company has earned a reputation as a trusted and authoritative player in the market.

What You Should Know About American Fire and Casualty Company

Company Contact Information

Related Parent or Child Companies

  • American Insurance Group (AIG): American Fire and Casualty Company is a subsidiary of AIG, a leading global insurance organization with a diverse range of insurance products and services.

Financial Ratings

  • A.M. Best Rating: A (Excellent) – As of the latest data available, American Fire and Casualty Company holds an excellent financial rating from A.M. Best, a reputable credit rating agency that assesses the financial strength and stability of insurance companies.

Customer Service Ratings

  • JD Power Customer Satisfaction Rating: 4 out of 5 – Based on customer reviews and feedback, American Fire and Casualty Company has received a commendable rating of 4 out of 5 in customer satisfaction from JD Power, a leading consumer research and ratings organization.

Claims Information

  • Claims Process: American Fire and Casualty Company offers a streamlined and efficient claims process, allowing customers to report claims online or via their customer service hotline. Claims are typically handled promptly and professionally, with dedicated claims representatives providing personalized assistance throughout the process.

Company Apps

  • Mobile App: American Fire and Casualty Company offers a user-friendly mobile app for policyholders, providing convenient access to policy information, claims reporting, payment options, and other useful features. The app is available for download on both iOS and Android platforms, offering ease of access and flexibility for policyholders on the go.

American Fire and Casualty Company Insurance Coverage Options

American Fire and Casualty Company offers a range of coverage options to meet the insurance needs of their customers. These coverage options may include:

  • Auto Insurance: American Fire and Casualty Company provides coverage for personal vehicles, including liability coverage to protect against bodily injury and property damage liability, collision coverage to cover damages to your own vehicle in case of an accident, and comprehensive coverage to protect against damages from theft.
  • Homeowners Insurance: American Fire and Casualty Company offers coverage for homeowners, including dwelling coverage to protect the structure of your home, personal property coverage to cover your belongings, liability coverage to protect against lawsuits for bodily injury or property damage.
  • Renters Insurance: American Fire and Casualty Company provides coverage for renters, including personal property coverage to protect your belongings, liability coverage to protect against lawsuits for bodily injury or property damage, and additional living expenses coverage to help with temporary living arrangements.
  • Umbrella Insurance: American Fire and Casualty Company offers umbrella insurance, which provides additional liability coverage above and beyond the limits of your primary auto, home, or renters insurance policies, offering extra protection against lawsuits and other unexpected events.
  • Business Insurance: American Fire and Casualty Company offers various business insurance coverage options, such as general liability insurance, commercial property insurance, workers’ compensation insurance, and business auto insurance, tailored to the unique needs of businesses of different sizes and industries.

The specific coverage options offered by American Fire and Casualty Company may vary, and it’s important to review their policy documents or consult with the company directly for detailed information on the coverage options available in your state and for your specific insurance needs.

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American Fire and Casualty Company Insurance Rates Breakdown

Driver ProfileAmerican Fire and Casualty CompanyNational Average
Clean Record$130$119
1+ Ticket$160$147
1+ Accident$180$173
DUI$220$209
Poor Credit$224$205

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

American Fire and Casualty Company Discounts Available

DiscountAmerican Fire and Casualty Company
Anti Theft5%
Good Student10%
Low Mileage15%
Paperless7%
Safe Driver12%
Senior Driver8%

American Fire and Casualty Company offers various discounts to eligible policyholders, helping them save on their insurance premiums. These discounts may vary by state and policy type, but commonly include:

  • Multi-Policy Discount: Customers who bundle multiple insurance policies, such as home and auto, with American Fire and Casualty Company may qualify for a discount on their premiums.
  • Safe Driver Discount: Policyholders with a clean driving record and no history of accidents or violations may be eligible for a safe driver discount.
  • Good Student Discount: Students who maintain a high grade point average (GPA) may qualify for a good student discount on their auto insurance.
  • Homeowner Discount: Customers who own a home and insure it with American Fire and Casualty Company may be eligible for a homeowner discount on their home insurance policy.
  • Anti-Theft Device Discount: Installing anti-theft devices, such as alarms or tracking systems, in your vehicle may qualify you for a discount on your auto insurance.
  • Paid-in-Full Discount: Policyholders who pay their insurance premiums in full upfront may be eligible for a paid-in-full discount.
  • Renewal Discount: Customers who renew their policy with American Fire and Casualty Company may be eligible for a renewal discount, rewarding their loyalty as a long-term policyholder.

Note: The specific discounts offered by American Fire and Casualty Company may vary, and eligibility requirements may apply. It’s best to consult with the company directly or review their policy documents for detailed information on the discounts available in your state and for your policy type.

How American Fire and Casualty Company Ranks Among Providers

The main competitors of American Fire and Casualty Company in the insurance industry may include:

  • State Farm Insurance: State Farm is one of the largest insurance companies in the United States, offering a wide range of insurance products including auto, home, renters, and business insurance.
  • Allstate Insurance: Allstate is another well-known insurance company that offers a variety of insurance products including auto, home, renters, and business insurance, with a focus on personalized coverage options and features like accident forgiveness and safe driving rewards. (For more information, read our “Allstate Fire and Casualty Insurance Company Review“).
  • Progressive Insurance: Progressive is a popular insurance company known for its innovative approach to auto insurance, offering features like usage-based insurance, discounts for safe drivers, and customizable coverage options.
  • Geico Insurance: Geico is known for its competitive pricing and online-focused approach to insurance, offering a variety of coverage options including auto, home, renters, and business insurance, with a strong emphasis on customer convenience and digital tools.
  • Nationwide Insurance: Nationwide is a well-established insurance company that offers a wide range of insurance products including auto, home, renters, and business insurance, with a focus on personalized coverage options and customer service.

It’s important to note that the competitive landscape in the insurance industry may vary based on location, customer segment, and other factors. It’s recommended to conduct thorough market research and compare quotes and coverage options from multiple insurance companies to find the one that best meets your specific insurance needs and budget.

Read more: State Farm Fire and Casualty Company Review

Simplified Claim Process at American Fire and Casualty Company

Ease of Filing a Claim

American Fire and Casualty Company provides multiple channels for filing claims, offering online submission, phone assistance, and accessible mobile apps for swift and convenient claim reporting.

Average Claim Processing Time

The company prides itself on promptness, boasting an average claim processing time that aligns with industry standards, ensuring efficient handling of claims.

Customer Feedback on Claim Resolutions and Payouts

Customer reviews highlight the company’s consistent efforts in fair and satisfactory claim resolutions, demonstrating reliability in payouts and customer support.

American Fire and Casualty Company’s Digital and Technological Features

Mobile App Features and Functionality

American Fire and Casualty Company’s mobile app is equipped with intuitive features, facilitating easy claim submissions, policy management, and access to account information on-the-go.

Online Account Management Capabilities

Their online platform offers comprehensive account management tools, allowing policyholders to review policies, make payments, and update information seamlessly.

Digital Tools and Resources

The company provides a range of digital resources, including educational materials, FAQs, and guides, empowering customers with valuable information and assistance.

Frequently Asked Questions

What types of insurance does American Fire and Casualty Company offer?

American Fire and Casualty Company offers a variety of insurance products including auto, home, renters, and business insurance.

Where is American Fire and Casualty Company licensed to operate?

American Fire and Casualty Company operates in multiple states across the United States. It’s best to check with the company directly or visit their website to confirm availability in your state.

How can I contact American Fire and Casualty Company for inquiries or claims?

You can contact American Fire and Casualty Company through their customer service hotline, email, or online portal. Contact information can be found on their website or policy documents.

Are customer ratings and reviews important when choosing an insurance company?

Yes, customer ratings and reviews can provide valuable insights into the experiences of other policyholders. They can help you assess the company’s customer service, claims handling, policy options, and overall satisfaction levels, which can be useful in making an informed decision.

Can I customize my insurance policy with American Fire and Casualty Company?

American Fire and Casualty Company typically offers various policy options and coverage levels to allow some customization. You can work with an agent to tailor your insurance policy by selecting coverage limits, deductibles, and additional features to suit your specific needs and budget.

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Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

Licensed Insurance Agent

Diego Anderson

Licensed Real Estate Agent

Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...

Licensed Real Estate 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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