American Property Insurance Company Review (2024)

American Property Insurance Company stands as a robust guardian for your assets, offering diverse coverage options, top-notch service, and a formidable financial foundation to secure your assets against life's uncertainties.

UPDATED: Jan 26, 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: Jan 26, 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: Jan 26, 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: Jan 26, 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: Jan 26, 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: Jan 26, 2024Fact Checked
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American Property Insurance Company

Average monthly rate for homeowners:

$100

A.M. Best rating:

A++

Complaint level:

Low

Pros

  • Diverse Range of Insurance Offerings
  • Exceptional Financial Strength
  • Competitive Average Annual Rates
  • Swift and Efficient Claims Processing
  • Personalized Customer Service

Cons

  • Limited Availability in Some States
  • Fewer Online Account Management Options
  • Umbrella Insurance Requires Additional Premium

Final Verdict: Review of American Property Insurance Company

In a world of uncertainties, American Property Insurance Co. stands strong as guardian of your assets. Offering diverse coverage including home, auto, renter’s, flood, and umbrella insurance, they secure against the unpredictable.

With an A++ from A.M. Best, their financial prowess supports peace of mind. Personalized service, fast claims, competitive rates – they’re a trusted leader. From safeguarding homes to smooth road trips, they’re insurance’s beacon.

American Property Insurance Company Insurance Coverage Options

American Property Insurance Company provides a wide range of coverage options to ensure you can protect yourself, your assets, and your loved ones from life’s uncertainties. Below, we’ve outlined the coverage options available from the company:

  • Home Insurance: Safeguard your home and belongings against damage or loss caused by various perils, including fire, theft, and natural disasters.
  • Auto Insurance: Get coverage for your vehicles, including cars, motorcycles, and RVs, to protect against accidents, damage, and liability.
  • Renter’s Insurance: If you’re renting a property, this coverage protects your personal belongings and provides liability coverage.
  • Flood Insurance: Protect your home and possessions from flood-related damages, which are typically not covered by standard home insurance policies.
  • Umbrella Insurance: Extend your liability coverage beyond the limits of your primary insurance policies, offering additional protection in case of high-cost claims or lawsuits.

These comprehensive coverage options ensure that American Property Insurance Company can tailor protection to meet your specific needs, providing peace of mind in an unpredictable world. Whether you’re a homeowner, renter, or vehicle owner, American Property Insurance Company offers a variety of coverage solutions to help you secure your assets and plan for the unexpected.

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American Property Insurance Company Insurance Rates Breakdown

Driver ProfileAmerican PropertyNational Average
Clean Record$100$119
1+ Ticket$150$147
1+ Accident$200$173
DUI$250$209
Poor Credit$172$205

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


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American Property Insurance Company Discounts Available

DiscountAmerican Property
Anti Theft10%
Good Student15%
Low Mileage15%
Paperless10%
Safe Driver20%
Senior Driver10%

American Property Insurance Company understands the importance of making insurance coverage affordable for their customers. To help you save on premiums while still receiving top-notch protection, they offer a range of discounts. Here are some of the discounts available:

  • Multi-Policy Discount: Save money by bundling multiple insurance policies, such as home and auto insurance, with American Property Insurance Company.
  • Safe Driver Discount: If you have a history of safe driving and avoid accidents or traffic violations, you may qualify for a safe driver discount.
  • Home Security Discount: Improve your home’s security with features like alarms or surveillance systems to qualify for a discount on your homeowners’ insurance.
  • Good Student Discount: If you have a young driver in your household who maintains good grades in school, you may be eligible for a discount on auto insurance.
  • Claim-Free Discount: Stay claims-free for a certain period, and you can earn a discount on your premiums as a reward for responsible behavior.
  • Paid-in-Full Discount: Pay your insurance premium in a lump sum, and you may receive a discount for the convenience of a one-time payment.

These discounts make it easier for customers to manage their insurance costs while still benefiting from the comprehensive coverage and exceptional service offered by American Property Insurance Company. Be sure to inquire about which discounts you may qualify for when obtaining a quote.

How American Property Insurance Company Ranks Among Providers

In the competitive landscape of insurance, American Property Insurance Company faces several prominent rivals that also strive to provide comprehensive coverage and exceptional service to their customers. Here are some of the company’s main competitors:

  • Globalguard Insurance: Known for its wide range of customizable insurance plans, GlobalGuard Insurance offers robust coverage options similar to those provided by American Property. Their emphasis on customer service and innovative policies make them a strong contender in the industry.
  • Safehaven Assurance: SafeHaven Assurance boasts a reputation for swift claims processing and a user-friendly online platform. Like American Property, they offer a variety of insurance types, including home, auto, and umbrella coverage, catering to diverse customer needs.
  • Secureshield Inc.: Specializing in personalized insurance solutions, SecureShield Inc. competes with American Property by offering tailored coverage plans and excellent customer support. Their focus on transparency and client-centered services sets them apart.
  • Guardiansure Insurance: GuardianSure Insurance is recognized for its commitment to community involvement and socially responsible practices. With a similar array of coverage options, they attract customers who value both protection and ethical business practices.
  • Trustgard Insurance Services: TrustGard Insurance Services stands out with its innovative use of technology to enhance the insurance experience. Their user-friendly mobile app and seamless digital claims processing give them an edge in today’s tech-savvy market.

Read more: Trustgard Insurance Company: Customer Ratings & Reviews

While American Property Insurance Company has its unique strengths, such as its financial stability and comprehensive range of coverage, these competitors showcase their advantages that cater to the diverse preferences of insurance customers.

Read more:

American Property Insurance Company Claims Process

Ease of Filing a Claim

American Property Insurance Company offers a seamless claims process through multiple channels, ensuring you have options that suit your preferences. You can conveniently file a claim online using their user-friendly digital platform, make a quick phone call to their responsive customer support team, or utilize their mobile app for on-the-go claim submissions.

Average Claim Processing Time

When it comes to claim processing time, American Property Insurance Company is known for its efficiency. They understand the importance of timely assistance during unexpected events.

While specific processing times may vary depending on the nature of the claim, the company’s dedication to swift resolutions ensures that you won’t have to wait unnecessarily for your claims to be processed and settled.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts is a crucial aspect of assessing an insurance company’s reliability. American Property Insurance Company consistently receives positive reviews from customers who have experienced smooth and fair claim resolutions.

Their commitment to transparency and fulfilling their policyholders’ needs is reflected in the satisfaction of their customers.

American Property Insurance Company Digital and Technological Features

Mobile App Features and Functionality

American Property Insurance Company offers a feature-rich mobile app that empowers policyholders with convenient access to their insurance information. With the app, you can easily view your policy details, track claims, and even file claims directly from your mobile device. The intuitive interface and functionality make managing your insurance on the go a breeze.

Online Account Management Capabilities

Managing your insurance policies and accounts online has never been easier with American Property Insurance Company. Their online account management platform provides a secure and user-friendly environment for policyholders to access policy documents, update information, and make payments.

The company’s commitment to digital convenience ensures that you have full control over your insurance accounts from the comfort of your home.

Digital Tools and Resources

American Property Insurance Company equips its policyholders with a range of digital tools and resources to enhance their insurance experience.

From educational materials on insurance topics to interactive tools for estimating coverage needs, the company’s digital resources are designed to empower policyholders with knowledge and insights. These digital assets are valuable in helping policyholders make informed decisions about their coverage.

Frequently Asked Questions

Why should I consider American Property Insurance Company?

American Property offers a diverse range of coverage options, exceptional service, and a strong financial rating (A++) for reliable protection.

What types of insurance does the company provide?

They offer home, auto, renter’s, flood, and umbrella insurance to cater to various protection needs.

How can I save on premiums with American Property?

Take advantage of discounts like multi-policy, safe driver, and home security to make coverage more affordable.

Is the claims process efficient?

Yes, American Property is known for a swift and hassle-free claims process, ensuring timely assistance when you need it.

What sets American Property apart from competitors?

Their combination of comprehensive coverage, responsive service, and competitive rates differentiates them in the insurance landscape.

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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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