Standard Fire Insurance Company: Customer Ratings & Reviews [2024]

Unleash the legacy of over a century as Standard Fire Insurance Company, stands as a formidable provider of insurance solutions, covering auto, business, health, marine, and home insurance.

UPDATED: Dec 27, 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: Dec 27, 2023Fact Checked

Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...

Licensed Insurance Agent

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

UPDATED: Dec 27, 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: Dec 27, 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: Dec 27, 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: Dec 27, 2023Fact Checked
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Standard Fire Insurance Company

Average monthly rate for good drivers:

$87

A.M. Best rating:

A+ (Superior)

Complaint level:

Low

Pros

  • Affordable rates
  • Wide range of insurance products and services
  • Discounts available to customers
  • Excellent customer service

Cons

  • Limited availability of online resources
  • Limited mobile app functionality

Final Verdict: Review of Standard Fire Insurance Company

Standard Fire Insurance Company offers comprehensive insurance coverage for homeowners, auto, life, business, and renters insurance. With over a century of experience, the company has established itself as a leader in the insurance industry.

Their rates are affordable, and they offer a wide range of discounts for their customers. Standard Fire Insurance Company has a low complaint level and excellent customer service.

They also offer coverage in all 50 states, making it a reliable option for individuals and businesses across the country. Despite some limitations with online resources and mobile app functionality, Standard Fire Insurance Company is a trustworthy choice for anyone in need of reliable insurance coverage.

If you are looking for reliable insurance coverage that offers comprehensive protection for your property, Standard Fire Insurance Company is an excellent choice. With over a century of experience, this company has established itself as a leader in the insurance industry, offering a wide range of insurance products and services to meet the needs of customers across the country. In this review, we will take a closer look at what Standard Fire Insurance Company has to offer, including their history and mission, main products and services, cost, states where their services are offered, discounts available to customers, and customer reviews.

What You Should Know About The Standard

Company Contact Information:

Related Parent or Child Companies:

Standard Fire Insurance Company is a subsidiary of the Travelers Companies, Inc.

Financial Ratings:

  • A+ (Superior) rating from A.M. Best
  • AA (Very Strong) rating from Standard & Poor’s
  • Aa2 (Excellent) rating from Moody’s

Customer Service Ratings:

  • Excellent customer service according to customer reviews
  • Low complaint level

Claims Information:

  • Claims can be filed online or by phone
  • 24/7 claims service available
  • Claims are handled quickly and efficiently

Company Apps:

  • Standard Fire Insurance Company offers a mobile app for policyholders
  • The app allows customers to view their policies, make payments, and file claims
  • However, the app’s functionality is limited compared to other insurance apps

The Standard Insurance Coverage Options

Standard Fire Insurance Company offers a wide range of coverage options to meet the needs of their customers, including:

  • Homeowners insurance, including coverage for property damage, liability, and additional living expenses
  • Auto insurance, including liability, collision, and comprehensive coverage
  • Life insurance, including term life and whole life policies
  • Business insurance, including coverage for property damage, liability, and workers’ compensation
  • Renters insurance, including coverage for personal property and liability
  • Umbrella insurance, providing additional liability coverage beyond the limits of other policies
  • Flood insurance, covering damage from flood events not covered by standard homeowners insurance policies

These coverage options can be tailored to meet the specific needs of each customer, ensuring that they have the right level of protection for their home, vehicle, business, and personal property. With Standard Fire Insurance Company, customers can have peace of mind knowing that they are covered in the event of unexpected damage or loss.

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The Standard Insurance Rates Breakdown

Driver ProfileStandard FireNational Average
Clean Record$88$119
1+ Ticket$125$147
1+ Accident$167$173
DUI$229$209
Poor Credit$151$205

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


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The Standard Discounts Available

DiscountsStandard Fire
Anti Theft8%
Good Student12%
Low Mileage9%
Paperless6%
Safe Driver15%
Senior Driver9%

Standard Fire Insurance Company offers a wide range of discounts to their customers, including:

  • Multi-policy discount for customers who bundle multiple insurance policies with the company
  • Safe driver discount for drivers with a clean driving record
  • Home safety features discount for homeowners who have installed protective devices in their homes, such as smoke alarms and security systems
  • Good student discount for students who maintain a certain GPA
  • Early signing discount for customers who sign up for coverage before their current policy expires
  • Payment discounts for customers who set up automatic payments or pay their premiums in full
  • Business discounts for commercial policyholders who meet certain requirements

These discounts can help customers save money on their insurance premiums while still receiving high-quality coverage from Standard Fire Insurance Company.

How The Standard Ranks Among Providers

Standard Fire Insurance Company operates in a highly competitive market and faces stiff competition from several other large insurance companies, including:

  • State Farm insurance: With over 83 million policies and accounts in force, State Farm is the largest provider of auto, home, and life insurance in the United States.
  • Allstate insurance: Allstate is the third-largest provider of auto and home insurance in the United States, offering a wide range of coverage options and discounts to their customers.
  • Progressive insurance: Progressive is the fourth-largest provider of auto insurance in the United States, known for their innovative usage-based insurance programs and competitive pricing.
  • Nationwide insurance: Nationwide offers a wide range of insurance products, including auto, home, and life insurance, and has a strong reputation for customer service and claims handling.

These companies are well-established in the insurance industry and have strong brand recognition and market share. To remain competitive, Standard Fire Insurance Company must continue to innovate and provide high-quality coverage options and customer service to their customers.

Frequently Asked Questions

What types of insurance coverage does Standard Fire Insurance Company offer?

Standard Fire Insurance Company provides a comprehensive range of coverage options, including auto, business, health, marine, and home insurance.

How long has Standard Fire Insurance Company been in operation?

Established in 1905, Standard Fire Insurance Company boasts a legacy spanning over a century, offering a wealth of experience in the insurance industry.

Are there any notable advantages to choosing Standard Fire Insurance Company?

Standard Fire Insurance Company is recognized for its affordable rates, a wide range of discounts, low complaint levels, and excellent customer service, making it a trustworthy choice for individuals and businesses.

What is the company’s geographic coverage?

Standard Fire Insurance Company extends its coverage across all 50 states, providing a reliable option for individuals and businesses nationwide.

How does Standard Fire Insurance Company compare to other insurance providers in the market?

Operating in a highly competitive market, Standard Fire Insurance Company faces competition from well-established insurance giants. To stay competitive, the company focuses on innovation, high-quality coverage options, and superior customer service.

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Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...

Licensed Insurance Agent

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

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.

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