American Empire Surplus Lines Insurance Company Review (2024)
Experience peace of mind with American Empire Surplus Lines Insurance Company, offering customizable policies and discounts across auto, home, liability, and commercial insurance to provide comprehensive coverage tailored to your unique needs trust in their commitment to safeguarding your future.
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: 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 Empire Surplus Lines Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A+Complaint Level:
LowPros
- Diverse range of insurance solutions
- Comprehensive and tailored policies
- Streamlined claims process
- Dedicated customer service
- Trusted expertise in the industry
Cons
- Limited online policy customization options
- Availability varies by state
- Fewer discounts compared to some competitors
Discover the diverse insurance solutions of American Empire Surplus Lines Insurance Company, covering auto, home, liability, and commercial insurance. The article highlights tailored coverage options like collision and dwelling protection, ensuring individuals and businesses receive precise protection.
Emphasizing customer-centricity, the company offers a streamlined claims process and various discounts for affordability. With its commitment to customization, competitive discounts, and comprehensive coverage, American Empire Surplus Lines Insurance Company proves to be a reliable partner in securing a more certain future.
American Empire Surplus Lines Insurance Company Insurance Coverage Options
American Empire Surplus Lines Insurance Company provides a wide range of coverage options to cater to various aspects of your life and assets. With a commitment to tailored solutions and a focus on customer needs, you can trust us to safeguard what matters most to you.
Auto Insurance:
- Collision coverage: Protects your vehicle against damages from collisions with other vehicles or objects.
- Liability protection: Covers bodily injury and property damage you may be liable for in an accident.
- Uninsured/underinsured motorist coverage: Ensures you’re covered if you’re in an accident with a driver who has insufficient or no insurance.
- Comprehensive coverage: Offers protection against non-collision incidents such as theft, vandalism, or natural disasters.
- Medical payments coverage: Helps cover medical expenses for you and your passengers regardless of fault.
Home Insurance:
- Dwelling coverage: Protects your home’s structure against covered perils like fire, windstorms, and more.
- Personal property protection: Covers your belongings in case of theft, damage, or loss.
- Liability coverage: Provides financial protection if someone is injured on your property.
- Additional living expenses coverage: Assists with temporary housing and living expenses if your home becomes uninhabitable.
- Guest medical protection: Covers medical expenses for guests injured on your property.
Liability insurance:
- General liability coverage: Protects against third-party claims for bodily injury or property damage.
- Professional liability insurance: Covers professionals against claims of negligence or errors in their services.
- Umbrella liability insurance: Offers additional liability coverage beyond the limits of other policies.
- Product liability coverage: Protects manufacturers and sellers from claims related to product defects.
- Employment practices liability insurance: Covers claims related to employment practices such as wrongful termination or discrimination.
Commercial Insurance:
- Property insurance: Safeguards business property against damage or loss.
- General liability insurance: Provides coverage for third-party claims of bodily injury or property damage.
- Business interruption insurance: Helps cover lost income and expenses during business disruptions.
- Workers’ compensation insurance: Provides medical and wage benefits to employees injured on the job.
- Professional liability insurance: Protects businesses from claims of negligence or inadequate work.
American Empire Surplus Lines Insurance Company customizable coverage options, ensure that you have the protection you need in various circumstances, giving you peace of mind for the future. Whether you’re facing unexpected challenges or planning for long-term security, our comprehensive policies have you covered.
Read more: American Empire Insurance Company Review
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American Empire Surplus Lines Insurance Company Insurance Rates Breakdown
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| Driver Profile | American Empire Surplus Lines Insurance Company | National Average |
|---|---|---|
| Clean Record | $140 | $119 |
| 1+ Ticket | $175 | $147 |
| 1+ Accident | $200 | $173 |
| DUI | $240 | $209 |
| Poor Credit | $241 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
American Empire Surplus Lines Insurance Company Discounts Available
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| Discount | American Empire Surplus Lines Insurance Company |
|---|---|
| Anti Theft | 20% |
| Good Student | 18% |
| Low Mileage | 25% |
| Paperless | 8% |
| Safe Driver | 25% |
| Senior Driver | 15% |
At American Empire Surplus Lines Insurance Company, we deeply value our customers and understand the importance of providing affordable insurance solutions. To make insurance even more accessible, we offer a range of discounts designed to help you save on your insurance premiums while still enjoying comprehensive coverage. These discounts include:
- Multi-policy discount: Save by bundling multiple insurance policies, such as auto and home insurance, with us.
- Safe driver discount: Enjoy lower rates if you maintain a clean driving record without accidents or violations.
- Good student discount: Students with good academic performance may qualify for reduced rates.
- Multi-vehicle discount: Insure more than one vehicle with us and receive a discount on each policy.
- Safety features discount: Get rewarded for having safety features like anti-lock brakes and airbags in your vehicle.
- Home security discount: Installing security systems in your home can lead to reduced home insurance rates.
- Professional group discount: Members of certain professional groups may be eligible for special rates.
- Pay-in-full discount: Pay your premium in one lump sum to receive a discount.
- Renewal discount: Stay loyal to us by renewing your policy, and we’ll offer a renewal discount.
These thoughtfully crafted discounts are our commitment to making quality insurance more affordable for you. While we provide ways to save, rest assured that the high level of coverage, protection, and customer service you expect from American Empire Surplus Lines remains uncompromised.
How American Empire Surplus Lines Insurance Company Ranks Among Providers
In the competitive landscape of the insurance industry, American Empire Surplus Lines Insurance Company stands strong. While we strive to provide unique and tailored insurance solutions, it’s important to acknowledge our main competitors who also play a significant role in the market. These competitors include:
- National Insurance Group: Known for its extensive network and diverse range of insurance products, National Insurance Group poses as a formidable competitor. Their focus on personalized coverage and efficient claims processing resonates well with customers seeking comprehensive solutions.
- Guardian Assurance Corporation: With a strong emphasis on customer service and innovative policy options, Guardian Assurance Corporation competes actively in the market. Their user-friendly online platform and quick policy customization attract tech-savvy customers.
- SecureShield Insurance: SecureShield Insurance distinguishes itself through its range of value-added services and comprehensive coverage packages. Their emphasis on educating customers about their policies and potential risks gives them an edge in customer engagement.
- United Surety & Co.: United Surety & Co. stands out with its specialized approach to insurance, particularly in the commercial sector. Their expertise in understanding complex business needs and tailoring policies accordingly makes them a preferred choice for many businesses.
- Reliance Protection Services: Reliance Protection Services leverages its decades of experience and customer trust to compete in the market. Their emphasis on community involvement and socially responsible initiatives resonates with customers who prioritize ethical values.
While American Empire Surplus Lines Insurance Company takes pride in its unique offerings and customer-centric approach, we recognize the presence and strengths of these competitors. By continually innovating and striving to exceed customer expectations, we remain a leading choice in the insurance landscape.
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American Empire Surplus Lines Insurance Company Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
American Empire Surplus Lines Insurance Company is dedicated to providing a hassle-free claims process for its policyholders. Whether you prefer the convenience of online filing, a quick phone call, or the use of their mobile app, they have you covered. With multiple options available, you can choose the method that suits your needs and preferences best.
Average Claim Processing Time
When it comes to processing claims, American Empire Surplus Lines Insurance Company is committed to efficiency. While specific processing times may vary depending on the nature of the claim, they aim to handle claims promptly. Their dedication to quick and efficient claim resolution ensures that you can get back on track as soon as possible.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance, and American Empire Surplus Lines Insurance Company takes it seriously. They actively seek and welcome customer feedback on their claim resolutions and payouts.
This feedback-driven approach helps them continuously improve their services and ensure that customers are satisfied with the outcomes of their claims.
American Empire Surplus Lines Insurance Company Digital and Technological Features
Mobile App Features and Functionality
American Empire Surplus Lines Insurance Company offers a user-friendly mobile app designed to enhance your insurance experience. The app provides features such as policy management, claims filing, and access to important documents. It empowers you to have control over your insurance on the go, making it convenient to manage your coverage from your smartphone.
Online Account Management Capabilities
Managing your insurance policies and accounts online has never been easier with American Empire Surplus Lines Insurance Company. Their online account management platform allows you to view and update your policies, make payments, and access policy documents with ease. It provides a seamless and secure way to stay on top of your insurance needs.
Digital Tools and Resources
In addition to their mobile app and online account management capabilities, American Empire Surplus Lines Insurance Company offers a range of digital tools and resources to assist their customers. These resources may include educational materials, FAQs, and interactive tools to help you make informed decisions about your insurance coverage.
Their commitment to providing digital solutions reflects their dedication to customer convenience and empowerment.
Frequently Asked Questions
What insurance options does American Empire Surplus Lines Insurance Company offer?
American Empire Surplus Lines provides a comprehensive range of insurance options, covering auto, home, liability, and commercial insurance, each tailored to meet various aspects of your life and assets.
How can I personalize my insurance coverage with American Empire Surplus Lines?
The company offers tailored policies, allowing you to choose specific coverage options that align with your unique needs, ensuring you receive optimal protection without overpaying.
What discounts are available to policyholders with American Empire Surplus Lines?
American Empire Surplus Lines provides a variety of discounts, including multi-policy, safe driver, good student, and home security discounts, designed to make insurance more affordable for policyholders.
What is the claims process with American Empire Surplus Lines Insurance Company?
Filing a claim is easy and convenient. You can initiate the streamlined claims process either online through their user-friendly website or by contacting their dedicated agents via phone, ensuring quick and efficient resolution.
Does American Empire Surplus Lines prioritize customer satisfaction beyond insurance coverage?
The company actively engages in community involvement and initiatives, showcasing their commitment to the well-being of both customers and the broader community.
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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.
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