Selective Insurance Company of America: Customer Ratings & Reviews [2023]

Is Selective Insurance Company of America a Good Choice?

Company Contact Information:

• Selective Insurance Company of America
• Address: 40 Wantage Ave, Branchville, NJ 07890
• Phone: 1-800-777-9656
• Website: www.selective.com

Related Parent or Child Companies:

• Selective Insurance Group, Inc. (Parent Company)

Financial Ratings:

• A.M. Best Rating: A+ (Superior)

Customer Service Ratings:

• Based on customer reviews, Selective Insurance Company of America has been praised for its responsive and helpful customer service, with many customers reporting positive experiences.

Claims Information:

• Selective Insurance Company of America offers a streamlined claims process, allowing customers to report and file claims through their website or by calling their claims hotline at 1-800-777-9656. The company aims to process claims efficiently and provide timely payouts to eligible policyholders.

Company Apps:

• Selective Insurance Company of America offers a mobile app called “Selective Mobile” that provides convenient access to policy information, claims reporting, bill payment, and contact information. The app is available for download on both iOS and Android devices, making it easy for customers to manage their policies on the go.

Selective Insurance Company of America Discounts Available

Selective Insurance Company of America offers various discounts to eligible customers, 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 policies, such as auto and home insurance, with Selective Insurance may qualify for a discount on their premiums.
• Safe Driver Discount: Customers 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 certain GPA or are on the Dean’s List may qualify for a discount on their auto insurance premiums.
• Safety Features Discount: Vehicles equipped with safety features such as anti-lock brakes, airbags, and theft prevention systems may be eligible for a discount.
• Home Security Discount: Homes with security features such as smoke detectors, burglar alarms, and fire alarms may qualify for a discount on their home insurance premiums.
• Paid-in-Full Discount: Customers who pay their premiums in full upfront may be eligible for a discount on their insurance premiums.
• Loyalty Discount: Customers who have been with Selective Insurance for a certain number of years may qualify for a loyalty discount.

Please note that specific discounts and eligibility criteria may vary, and it’s best to consult with a Selective Insurance representative or review your policy to determine the discounts that may apply to your unique situation.

Selective Insurance Company of America Coverage Options

Selective Insurance Company of America offers a wide range of coverage options to meet the insurance needs of individuals, families, and businesses. These coverage options may include:

• Auto Insurance: Selective Insurance provides coverage for personal vehicles, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
• Home Insurance: Selective Insurance offers coverage for homes, including dwelling coverage, personal property coverage, liability coverage, and additional living expenses coverage.
• Business Insurance: Selective Insurance provides coverage for businesses, including commercial property insurance, general liability insurance, commercial auto insurance, workers’ compensation insurance, and business interruption insurance.
• Liability Insurance: Selective Insurance offers liability coverage for both personal and commercial policies, including bodily injury liability, property damage liability, and personal liability coverage.
• Property Insurance: Selective Insurance provides coverage for property, including commercial property insurance, homeowners association insurance, and property preservation coverage.
• Umbrella Insurance: Selective Insurance offers umbrella insurance, which provides additional liability coverage beyond the limits of other policies, protecting policyholders against large lawsuits or claims.
• Flood Insurance: Selective Insurance offers flood insurance coverage for homes and businesses located in flood-prone areas, providing protection against damages caused by flooding.
• Specialty Insurance: Selective Insurance provides specialty coverage options, such as marine insurance, excess and surplus lines insurance, and professional liability insurance for specific industries or unique risks.

It’s important to review your policy and consult with a Selective Insurance representative to determine the specific coverage options that best meet your insurance needs.

Selective Insurance Company of America vs. Competitors

Selective Insurance Company of America operates in a competitive insurance market and faces competition from various other insurance companies. Some of the main competitors of Selective Insurance may include:

• State Farm: State Farm is one of the largest insurance companies in the United States, offering a wide range of insurance products including auto, home, business, and life insurance. They have a large customer base and a strong presence in the insurance industry.
• Allstate: Allstate is another major insurance company that offers a variety of insurance products including auto, home, renters, and business insurance. They are known for their extensive advertising campaigns and nationwide coverage.
• Progressive: Progressive is a well-known insurance company that specializes in auto insurance but also offers other types of insurance such as home, renters, and business insurance. They are known for their innovative use of technology in the insurance industry, such as their usage-based insurance programs.
• Liberty Mutual: Liberty Mutual is a large insurance company that offers a wide range of insurance products including auto, home, renters, and business insurance. They have a strong presence in the commercial insurance market and cater to both personal and business insurance needs.
• Travelers: Travelers is a leading insurance company that offers a wide range of insurance products including auto, home, business, and specialty insurance. They are known for their strong commercial insurance offerings and have a long history in the insurance industry.

It’s important to note that the competitive landscape of the insurance industry can change over time and may vary by region. It’s recommended to research and compare different insurance companies to find the one that best fits your specific insurance needs and budget.