American Southern Home Insurance Company: Customer Ratings & Reviews [2024]
American Southern Home Insurance Company, a longstanding presence in the insurance industry, provides a range of comprehensive coverage options, including home, auto, umbrella, flood, renters, and condo insurance, earning an A- rating from A.M. Best and recognition for competitive rates and outstanding customer service.
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: Apr 23, 2024
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: Apr 23, 2024
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.
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American Southern Home Insurance Company
Average Monthly Rate For Good Drivers
$83A.M. Best Rating:
A- (Excellent)Complaint Level:
LowPros
- Comprehensive coverage options
- Competitive pricing
- Excellent customer service
- Fast claims resolution
Cons
- Limited availability in select states only
- Limited discounts compared to some competitors
American Southern Home Insurance Company is a reputable insurance provider that has been in operation for over 70 years. With an A- rating from A.M. Best, the company offers a range of comprehensive insurance products, including home insurance, auto insurance, and umbrella insurance.
While pricing varies depending on various factors, the company is known for its competitive rates and excellent customer service. Customers can take advantage of several discounts, including multi-policy discounts, new home discounts, and home safety discounts.
American Southern Home Insurance Company has a low complaint level, indicating that the majority of customers are satisfied with their experience. Overall, this company is a reliable choice for those seeking quality insurance coverage.
What You Should Know About American Southern Insurance
Company Contact Information:
- Phone: 1-800-452-0297
- Email: info@americansouthernhome.com
- Mailing address: P.O. Box 2440, Brentwood, TN 37024
Related parent or child companies: American Southern Home Insurance Company is a subsidiary of Southern Trust Insurance Company.
Financial Ratings:
- A.M. Best Rating: A- (Excellent)
- Standard & Poor’s Rating: N/A
- Moody’s Rating: N/A
- Fitch Rating: N/A
Customer service ratings: American Southern Home Insurance Company is known for providing excellent customer service, as noted by positive reviews from customers and its low complaint level.
Claims information: Customers can file a claim by contacting the company’s claims department at 1-800-452-0297 or by visiting the company’s website. The company strives to resolve claims quickly and efficiently.
Company apps: American Southern Home Insurance Company offers a mobile app that allows customers to view policy information, pay bills, and file claims on-the-go. The app is available for download on both iOS and Android devices.
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American Southern Insurance Coverage Options
American Southern Home Insurance Company offers a range of comprehensive insurance products to meet the needs of its customers. These coverage options include:
- Home Insurance: Protects the structure of your home and its contents in the event of damage or loss caused by covered perils, such as fire, theft, or natural disasters.
- Auto Insurance: Provides liability coverage and optional coverage for damage to your vehicle and injuries to you and your passengers in the event of an accident.
- Umbrella Insurance: Provides additional liability coverage beyond the limits of your home or auto insurance policies to protect you against lawsuits or claims.
- Flood Insurance: Protects your home and its contents in the event of flood damage caused by natural disasters or other events.
- Renters Insurance: Provides coverage for the personal belongings of renters, as well as liability protection in the event of injuries or damage caused by the renter.
- Condo Insurance: Provides coverage for the structure and contents of your condo, as well as liability protection in the event of injuries or damage caused by you.
These coverage options can be customized to meet the unique needs of each customer. With American Southern Home Insurance Company, customers can have peace of mind knowing that their assets are protected by quality insurance coverage.
American Southern Insurance Rates Breakdown
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| Driver Profile | American Southern Home | National Average |
|---|---|---|
| Clean Record | $165 | $119 |
| 1+ Ticket | $205 | $147 |
| 1+ Accident | $235 | $173 |
| DUI | $385 | $209 |
| Poor Credit | $284 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
American Southern Insurance Discounts Available
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| Discount | American Southern Home |
|---|---|
| Anti Theft | 6% |
| Good Student | 12% |
| Low Mileage | 9% |
| Paperless | 5% |
| Safe Driver | 18% |
| Senior Driver | 7% |
American Southern Home Insurance Company offers several discounts to customers to help them save money on their insurance premiums. These discounts include:
- Multi-policy Discounts: Customers can save money by bundling their home and auto insurance policies with American Southern Home Insurance Company.
- New Home Discounts: Customers who have recently purchased a new home may qualify for a discount on their home insurance policy.
- Home Safety Discounts: Customers who have installed safety features in their home, such as smoke detectors, burglar alarms, or sprinkler systems, may be eligible for a discount on their home insurance policy.
- Claims-free Discounts: Customers who have not filed a claim with the company in a certain number of years may be eligible for a discount on their home or auto insurance policy.
- Age Discounts: Customers who are over a certain age, usually 55 or 65, may qualify for a discount on their home or auto insurance policy.
These discounts can vary by state and policy type, so it’s important to check with the company to see which discounts are available in your area. By taking advantage of these discounts, customers can save money while still getting the quality insurance coverage they need.
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How American Southern Insurance Ranks Among Providers
American Southern Home Insurance Company operates in a competitive market, with several major players vying for market share. Some of the company’s main competitors include:
- State Farm: As one of the largest insurance companies in the US, State Farm offers a range of insurance products including home, auto, life, and health insurance. The company has a strong reputation for customer service and a large network of agents.
- Allstate: Allstate is another major insurance company offering home, auto, life, and other insurance products. The company is known for its innovative technology and digital tools, such as the Drivewise program, which rewards safe driving habits.
- Progressive: Progressive is a popular choice for auto insurance, but also offers home insurance and other insurance products. The company is known for its competitive rates and user-friendly website and mobile app.
- Nationwide: Nationwide offers a range of insurance products including home, auto, and life insurance. The company has a strong reputation for customer service and offers a variety of discounts to help customers save money on their insurance premiums.
These companies, along with other regional and national insurers, are American Southern Home Insurance Company’s main competitors in the insurance market. While each company has its own unique strengths and weaknesses, they all aim to provide quality insurance products and services to meet the needs of their customers.
Frequently Asked Questions
What types of insurance policies does American Southern Home Insurance Company offer?
American Southern Home Insurance Company offers homeowners, renters, condo, flood, and personal liability insurance.
What discounts are available for American Southern Home Insurance Company customers?
American Southern Home Insurance Company offers multi-policy, protective device, and claims-free discounts.
Where is American Southern Home Insurance Company licensed to sell insurance policies?
American Southern Home Insurance Company is licensed to sell insurance policies in Alabama, Arkansas, Georgia, Mississippi, Oklahoma, and Tennessee.
Is American Southern Insurance a Good Choice?
American Southern Home Insurance Company is a reputable provider with an A- (Excellent) rating from A.M. Best. They offer comprehensive coverage, competitive pricing, and excellent customer service, making them a reliable choice for quality insurance.
What are the contact details for American Southern Home Insurance Company?
You can reach American Southern Home Insurance Company at 1-800-452-0297, info@americansouthernhome.com, or by mail at P.O. Box 2440, Brentwood, TN 37024.
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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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