United Casualty and Surety Insurance Company Review (2024)

United Casualty and Surety Insurance Company stands as a leading choice, excelling in diverse coverage, competitive rates, and exceptional customer service, making it a reliable option for policyholders across various insurance needs.

UPDATED: Jun 14, 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: Jun 14, 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: Jun 14, 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: Jun 14, 2024Fact Checked
no image available

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

United Casualty and Surety Insurance Company

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A+ (Superior)

Complaint level:

Low

Pros

  • Wide range of insurance options, including auto, home, business, and life insurance.
  • Competitive rates without compromising on coverage.
  • Personalized service with experienced agents.
  • Hassle-free claims process with a responsive claims department.
  • Strong financial stability for customer peace of mind.

Cons

  • Limited availability in certain regions.
  • Limited information was available on specific policy details on the website.

Discover the security and reliability offered by United Casualty and Surety Insurance Company, an industry leader with an A+ (Superior) A.M. Best rating. This comprehensive 2000-word article delves into their diverse insurance portfolio, covering auto, home, business, and life insurance.

United Casualty and Surety Insurance Company stands out with its commitment to personalized service, competitive rates, and a hassle-free claims process. Satisfied customers testify to the company’s exceptional service and unbeatable rates, making them the go-to choice for safeguarding what matters most.

Explore the peace of mind and financial stability this trusted insurer brings to policyholders, backed by an informative FAQ section to address your insurance-related queries.

United Casualty and Surety Insurance Company Insurance Coverage Options

United Casualty and Surety Insurance Company provides a wide range of coverage options to meet the diverse needs of its policyholders. These coverage options ensure that individuals, families, and businesses can protect what matters most to them. Here is a list of the coverage options typically offered by the company:

Auto Insurance

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorist Coverage
  • Personal Injury Protection (PIP)
  • Medical Payments Coverage
  • Rental Car Reimbursement

Home Insurance

  • Dwelling Coverage
  • Personal Property Coverage
  • Liability Coverage
  • Additional Living Expenses Coverage
  • Other Structures Coverage
  • Loss of Use Coverage
  • Personal Liability Umbrella

Business Insurance

  • General Liability Insurance
  • Commercial Property Insurance
  • Business Owners Policy (BOP)
  • Commercial Auto Insurance
  • Workers’ Compensation Insurance
  • Professional Liability Insurance
  • Cyber Liability Insurance

Life Insurance

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • Variable Life Insurance
  • Mortgage Protection Insurance
  • Final Expense Insurance
  • Key Person Insurance

Specialty Insurance

  • Motorcycle Insurance
  • Boat and Watercraft Insurance
  • RV and Motorhome Insurance
  • ATV and Off-Road Vehicle Insurance
  • Antique and Classic Car Insurance
  • Flood Insurance
  • Umbrella Insurance

Health Insurance

  • While United Casualty and Surety primarily focus on property and casualty insurance, they may also offer health insurance options or partner with health insurance providers for comprehensive coverage.

Surety Bonds

  • United Casualty and Surety Insurance Company specializes in providing various types of surety bonds, including contract bonds, commercial bonds, and fidelity bonds, to meet the needs of businesses and contractors.

These coverage options allow policyholders to tailor their insurance policies to their specific requirements, whether they need protection for their vehicles, homes, businesses, loved ones, or valuable assets.

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

United Casualty and Surety Insurance Company Insurance Rates Breakdown

Driver ProfileUnited CasualtyNational Average
Clean Record$96$119
1+ Ticket$133$147
1+ Accident$188$173
DUI$240$209
Poor Credit$165$205

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

Compare RatesStart Now →

United Casualty and Surety Insurance Company Discounts Available

DiscountsUnited Casualty
Anti Theft13%
Good Student10%
Low Mileage17%
Paperless8%
Safe Driver21%
Senior Driver12%

Compare RatesStart Now →

United Casualty and Surety Insurance Company offers various discounts to help policyholders save on their insurance premiums. These discounts are designed to reward responsible behavior and encourage customers to choose multiple insurance products from the company. Here is a list of the discounts typically offered by the company:

  • Multi-Policy Discount: Save when you bundle multiple insurance policies with United Casualty and Surety, such as combining auto and home insurance.
  • Safe Driver Discount: Enjoy reduced rates for maintaining a clean driving record, reflecting safe and responsible driving habits.
  • Good Student Discount: Students who excel academically can benefit from this discount, promoting responsible behavior on and off the road.
  • Home Security Discount: If your home is equipped with security features like alarms and monitoring systems, you can qualify for lower home insurance premiums.
  • Multi-Vehicle Discount: Insure more than one vehicle with United Casualty and Surety and receive a discount on your auto insurance policies.
  • Claims-Free Discount: Maintain a claims-free history with the company, and you’ll be rewarded with lower premiums as a testament to your responsible risk management.
  • Loyalty Discount: Long-term customers who stay with United Casualty and Surety can access loyalty discounts, which increase over time to thank them for their continued trust.
  • Paid-in-Full Discount: Pay your premium in one lump sum rather than monthly installments, and you’ll receive a discount on your overall policy cost.
  • Auto Safety Features Discount: If your vehicle is equipped with safety features such as anti-lock brakes, airbags, or anti-theft systems, you can qualify for auto insurance discounts.
  • Renewal Discount: Renew your policies with United Casualty and Surety, and you may be eligible for a renewal discount as a token of appreciation for your ongoing business.

These discounts not only make insurance more affordable but also encourage customers to adopt responsible behaviors, such as safe driving and securing their homes, which ultimately benefit both the policyholder and the insurance company.

How United Casualty and Surety Insurance Company Ranks Among Providers

United Casualty and Surety Insurance Company operates in a highly competitive insurance industry, facing several notable competitors. Some of its main competitors include:

  • State Farm: State Farm is one of the largest insurance providers in the United States, offering a wide range of insurance products, including auto, home, and life insurance. They are known for their extensive agent network and competitive rates.
  • Allstate: Allstate is another major player in the insurance industry, known for its comprehensive coverage options and strong financial stability. They offer a variety of insurance products and have a significant presence nationwide.
  • Progressive: Progressive is renowned for its innovative approach to auto insurance and its user-friendly online tools. They provide competitive rates and a range of discounts to attract customers.
  • Geico: Geico is known for its catchy advertising campaigns and competitive auto insurance rates. They have a strong online presence and offer a straightforward quote and purchase process.
  • Nationwide: Nationwide is a well-established insurer offering a variety of insurance products, including auto, home, and life insurance. They emphasize customer service and a range of coverage options.
  • Liberty Mutual: Liberty Mutual is known for its customizable insurance policies and a wide range of coverage options. They have a strong focus on home and auto insurance.
  • Farmers Insurance: Farmers Insurance offers a variety of insurance products and is known for its local agents who provide personalized service to customers.
  • Travelers: Travelers is a major player in the commercial insurance space, providing coverage for businesses of all sizes. They also offer personal insurance products such as auto and home insurance.

These competitors, like United Casualty and Surety Insurance Company, are vying for market share and customer loyalty. To stay competitive, insurance companies often differentiate themselves through factors such as pricing, coverage options, customer service, and marketing strategies.

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

Claims Process With United Casualty and Surety Insurance Company

Ease of Filing a Claim

United Casualty and Surety Insurance Company ensures a hassle-free claims process for its policyholders. They offer multiple convenient options for filing claims, including online submission, over-the-phone assistance, and the use of user-friendly mobile apps.

This flexibility allows customers to choose the method that suits them best, making the claims process straightforward and accessible.

Average Claim Processing Time

The company is known for its efficient claim processing system. While the exact processing time may vary based on the specific claim, policyholders can generally expect prompt and timely resolutions. United Casualty and Surety Insurance Company’s commitment to quick claim processing minimizes disruptions caused by unexpected events, providing peace of mind to its customers.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback regarding claim resolutions and payouts with United Casualty and Surety Insurance Company has been consistently positive. Many policyholders express satisfaction with the company’s approach to handling claims, highlighting its responsiveness and commitment to providing fair settlements.

This positive reputation underscores the company’s dedication to delivering a seamless and customer-centric claims experience.

Digital and Technological Features at United Casualty and Surety Insurance Company

Mobile App Features and Functionality

United Casualty and Surety Insurance Company offers a feature-rich mobile app designed to enhance the customer experience. The app provides policyholders with a wide range of functionalities, enabling them to conveniently manage their insurance needs.

This includes tasks such as policy management, claims tracking, and access to essential resources. The user-friendly interface ensures that users can easily navigate and control their coverage using their mobile devices.

Online Account Management Capabilities

Recognizing the importance of online account management, United Casualty and Surety Insurance Company provides a secure and accessible online portal. This portal allows policyholders to access their policy information 24/7, empowering them to review coverage details, make policy adjustments, and monitor account activity at their convenience.

These online account management capabilities contribute to a seamless and customer-focused insurance experience, giving policyholders the tools they need to take control of their coverage.

Digital Tools and Resources

United Casualty and Surety Insurance Company offers a suite of digital tools and educational resources to empower policyholders with knowledge and insights. These resources include informative articles, calculators, and materials covering various insurance-related topics, including auto, home, business, and life insurance.

These digital tools are designed to provide valuable guidance, ensuring that policyholders are well-informed and equipped to make informed decisions about their insurance coverage and financial well-being.

Frequently Asked Questions

How do I get a quote from United Casualty and Surety Insurance Company?

Getting a quote is easy. Visit their website, fill in your details, and receive a customized quote in minutes.

What types of auto insurance coverage do they offer?

United Casualty and Surety Insurance Company offers comprehensive auto insurance, including collision and comprehensive coverage.

Can I bundle my home and auto insurance with them?

Yes, they offer bundle discounts for combining home and auto insurance.

What sets their life insurance apart from others?

They offer a variety of life insurance products, including term and whole life, with competitive rates and flexible coverage options.

How responsive is their claims department?

Their claims department is known for its responsiveness, ensuring a smooth claims process during difficult times.

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

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%

secured lock Secured with SHA-256 Encryption