American Western Home Insurance Company Review (2024)

American Western Home Insurance Company, with its tailored coverage options and community-centered approach, emerges as a trusted guardian providing peace of mind to homeowners, renters, and condo owners.

UPDATED: Nov 30, 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 30, 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 30, 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 30, 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 30, 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 30, 2023Fact Checked
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American Western Home Insurance Company

Average monthly rate for homeowners:

$100

A.M. Best rating:

A++

Complaint level:

Low

Pros

  • Comprehensive Coverage Options
  • Responsive Customer Support
  • Flexible Policy Customization
  • Streamlined Claims Process
  • Community-Oriented Approach

Cons

  • Limited Availability in Certain States
  • Premiums Can Be Slightly Higher for Certain Policies
  • Fewer Online Self-Service Options compared to Some Competitors

Final Verdict: Review of American Western Home Insurance Company

Discover the safeguarding embrace of American Western Home Insurance Company, a trusted sentinel for homeowners, renters, and condo owners alike. Offering a versatile array of coverage options, from standard to specialized policies like flood and earthquake insurance, Western Home stands as a beacon of reliability.

With a legacy of customer-centric service and a streamlined claims process, they provide not just protection, but peace of mind. Unveil the benefits of their tailored policies, including comprehensive liability, flexible customization, and a community-oriented ethos.

As you navigate the intricate realm of home insurance, let American Western Home Insurance Company be your steadfast guardian, shielding your haven and dreams with personalized care.

American Western Home Insurance Company Insurance Coverage Options

American Western Home Insurance Company understands that every home and situation is unique. That’s why they offer a range of coverage options to cater to diverse needs. Whether you’re a homeowner, renter, condo owner, or in need of specialized coverage, Western Home has you covered:

Homeowners Insurance Coverage Options:

  • Standard Coverage: Protection for your home’s structure and belongings against covered perils.
  • Comprehensive Liability: Coverage for legal and medical expenses if someone is injured on your property.
  • Additional Living Expenses: Support for temporary living costs if your home becomes uninhabitable due to covered events.

Renters Insurance Coverage Options:

  • Personal Belongings Coverage: Replacement of belongings in case of theft, fire, or other covered events.
  • Liability Protection: Financial defense in situations where you’re held responsible for injuries or damages.

Condo Insurance Coverage Options:

  • Personal Property Coverage: Shielding of personal items and upgrades within your condo’s walls.
  • Loss Assessment Coverage: Assistance to cover shared property repairs and upgrades as mandated by the condo association.

Flood Insurance Coverage Options:

  • Building Property Coverage: Insuring your home’s physical structure, foundation, and essential systems.
  • Personal Contents Coverage: Safeguarding of belongings, from furniture to electronics, against flood-induced damage.

Earthquake Insurance Coverage Options:

  • Dwelling Coverage: Financial support for repairing or rebuilding your home after an earthquake.
  • Personal Property Coverage: Extension to repair or replacement of personal items affected by the quake.

With these comprehensive coverage options, American Western Home Insurance Company ensures that you’re equipped with the protection you need to face the unexpected with confidence.

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American Western Home Insurance Company Insurance Rates Breakdown

Driver ProfileAmerican Western HomeNational Average
Clean Record$190$119
1+ Ticket$230$147
1+ Accident$260$173
DUI$440$209
Poor Credit$327$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 Western Home Insurance Company Discounts Available

DiscountAmerican Western Home
Anti Theft6%
Good Student12%
Low Mileage9%
Paperless5%
Safe Driver18%
Senior Driver7%

At American Western Home Insurance Company, they not only provide tailored coverage but also offer various discounts to help you save on your insurance premiums. These discounts are designed to reward responsible homeowners and provide added value to policyholders.

Here are some of the notable discounts you can take advantage of:

  • Multi-Policy Discount: Save when you bundle multiple insurance policies, such as home and auto insurance, with American Western Home.
  • Home Security System Discount: Enjoy reduced rates for having security systems in place, which can include burglar alarms, fire alarms, and more.
  • Claims-Free Discount: If you have a claims-free history, you could be eligible for a discount on your premiums.
  • Protective Devices Discount: Installing protective devices like smoke detectors, fire extinguishers, and security cameras can lead to cost savings.
  • New Home Discount: If your home is relatively new, you might qualify for a discount due to the reduced likelihood of certain risks.
  • Good Credit Discount: Demonstrating good credit can result in a discount on your home insurance rates.
  • Renewal Discount: Staying loyal to American Western Home Insurance Company by renewing your policy could earn you a discount.
  • Safety Upgrades Discount: Upgrading your home’s structural elements, such as the roof or wiring, can make you eligible for additional savings.
  • Senior Citizen Discount: If you’re a senior citizen, you could qualify for a discount as a reward for your years of responsible homeownership.

These discounts not only make your insurance more affordable but also reflect American Western Home’s commitment to rewarding prudent homeowners and fostering lasting customer relationships. Don’t miss out on the potential savings that these discounts can bring to your policy.

How American Western Home Insurance Company Ranks Among Providers

In the ever-evolving landscape of home insurance, American Western Home Insurance Company stands strong among its competitors. To provide a comprehensive view, let’s take a look at some of the prominent competitors that share the stage with Western Home:

National Shield Insurance Group:

  • Known for its extensive coverage options and flexible policies.
  • Offers a user-friendly online platform for policy management and claims processing.
  • Strong customer service reputation and competitive pricing.

SafeGuard Home Assurance:

  • Specializes in customizable coverage plans to suit individual homeowner needs.
  • Offers innovative smart home integration options for enhanced security and risk reduction.
  • Known for its transparent pricing structure and efficient claims resolution.

SecureDwelling Coverage Services:

  • Renowned for its specialized coverage options for high-value homes and unique property types.
  • Focuses on personalized risk assessment and tailored coverage solutions.
  • Offers additional services such as home maintenance consultations and disaster preparedness resources.

Guardian Home Protection Solutions:

  • A key player in the market, known for its strong financial stability and consistent customer satisfaction.
  • Offers a variety of discounts and loyalty programs for long-term policyholders.
  • Provides comprehensive coverage options, including identity theft protection.

AssureHome Assurance Group:

  • Recognized for its transparent policy terms and easy-to-understand coverage options.
  • Stands out for its robust online educational resources and risk management tools.
  • Emphasizes digital innovation, making policy management and claims processing efficient.

While American Western Home Insurance Company boasts its unique strengths and offerings, these competitors add diversity to the choices available to homeowners seeking reliable and comprehensive insurance coverage. Each company brings its own approach to protection, customer service, and innovation, ensuring that homeowners have a range of options to suit their individual needs.

Navigating the American Western Home Insurance Company Claims Process

Ease of Filing a Claim

American Western Home Insurance Company offers multiple convenient options for filing insurance claims. Policyholders can choose to file a claim online through the company’s user-friendly website or mobile app. This digital approach allows for a hassle-free and efficient claims submission process.

Alternatively, claims can also be filed over the phone, ensuring that customers have flexibility in how they report their insurance incidents.

Average Claim Processing Time

One crucial aspect of evaluating an insurance company is its claim processing time. American Western Home Insurance Company strives to provide prompt service to its policyholders. The average claim processing time can vary depending on the complexity of the claim and the specific circumstances.

However, the company is committed to expediting claims to ensure that customers receive the support they need when they need it most.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a vital role in assessing the effectiveness of an insurance company’s claim resolutions and payouts. While individual experiences may vary, American Western Home Insurance Company has a legacy of customer-centric service.

To gauge customer satisfaction, it’s advisable to explore online reviews, testimonials, and ratings to gain insights into how the company handles claims and fulfills its commitments.

Digital and Technological Features With American Western Home Insurance Company

Mobile App Features and Functionality

American Western Home Insurance Company provides policyholders with a feature-rich mobile app that enhances their insurance experience. The app offers functionalities such as policy management, claims submission, and access to digital resources.

Users can easily view and update their policies, track claims, and even receive real-time notifications. The mobile app empowers customers with convenient tools to manage their insurance needs on the go.

Online Account Management Capabilities

In addition to the mobile app, American Western Home Insurance Company offers robust online account management capabilities through its website. Policyholders can create and access their online accounts, enabling them to review policy details, make payments, and update personal information with ease.

The online portal serves as a convenient hub for customers to maintain their insurance policies and stay informed.

Digital Tools and Resources

To support policyholders in making informed decisions and navigating the world of insurance, American Western Home Insurance Company provides a range of digital tools and resources. These include educational articles, FAQs, and guides that cover various insurance topics.

Customers can access valuable information to better understand their coverage options, insurance terminology, and industry trends, helping them make confident choices regarding their insurance needs.

Frequently Asked Questions

What types of insurance does American Western Home Insurance Company offer?

American Western Home Insurance Company offers a range of insurance types, including homeowners insurance, renters insurance, condo insurance, flood insurance, and earthquake insurance.

What are the benefits of choosing American Western Home Insurance Company?

Choosing Western Home means opting for tailored policies, responsive customer support, flexible customization, streamlined claims processing, and a community-centric approach that goes beyond insurance.

What is the coverage provided by homeowners insurance policies?

Homeowners insurance policies from Western Home offer coverage for your home’s structure, personal belongings, liability in case of injuries, and additional living expenses in the event of uninhabitability due to covered events.

Are there discounts available with American Western Home Insurance Company?

Yes, Western Home offers various discounts, including multi-policy, home security system, claims-free, protective devices, new home, good credit, renewal, safety upgrades, and senior citizen discounts.

How does American Western Home Insurance Company handle claims?

Western Home follows a streamlined claims process designed for speed and convenience. Their responsive support team guides you through the process, helping you get back on your feet sooner.

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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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