American Risk Insurance Company, Inc.: Customer Ratings & Reviews [2025]
Discover American Risk Insurance Company, Inc., an A-rated provider offering competitive rates and exceptional customer service for comprehensive auto, home, commercial, and specialty insurance coverage.
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Table of Contents
Table of Contents
Insurance Content Team Lead
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business ...
Laura Kuhl
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Updated April 2024
American Risk Insurance Company, Inc. is an A-rated insurance provider offering a wide range of insurance products and services, including auto, home, commercial, and specialty insurance. With competitive rates, flexible payment options, and personalized insurance solutions, the company provides exceptional customer service and good discounts to its customers. However, the coverage area is limited to only 11 states, and some concerns have been raised about the claims process and customer service responsiveness. Overall, American Risk Insurance Company, Inc. is a reputable insurance provider with a strong history and mission to provide quality insurance solutions to its customers.
What You Should Know About American Risk Insurance
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American Risk Insurance Coverage Options
American Risk Insurance Company, Inc. offers a range of insurance products and services to its customers. The coverage options available depend on the type of insurance and the state where you reside. Some of the coverage options offered by the company include:
Auto Insurance:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
- Roadside assistance
Home Insurance:
- Dwelling coverage
- Personal property coverage
- Liability coverage
- Loss of use coverage
- Other structures coverage
- Personal injury coverage
Commercial Insurance:
- Business owner’s policy (BOP)
- General liability insurance
- Commercial property insurance
- Workers’ compensation insurance
- Professional liability insurance
- Commercial auto insurance
Specialty Insurance:
- Motorcycle insurance
- Watercraft insurance
- Recreational vehicle (RV) insurance
- Flood insurance
- Umbrella insurance
American Risk Insurance Rates Breakdown
American Risk Insurance Discounts Available
| Discount | American Risk |
|---|---|
| Anti Theft | 7% |
| Good Student | 20% |
| Low Mileage | 30% |
| Paperless | 11% |
| Safe Driver | 25% |
| Senior Driver | 16% |
American Risk Insurance Company, Inc. offers several discounts to its customers, which can help reduce the overall cost of insurance premiums. Some of the discounts available include:
- Multi-policy discount: Save up to 25% on your premium when you bundle your auto and home insurance policies.
- Safe driver discount: Save up to 15% on your premium if you have a clean driving record for a certain period.
- Good student discount: Save up to 10% on your premium if you maintain a certain GPA and meet other eligibility requirements.
- Home ownership discount: Save up to 15% on your premium if you own your home.
- Anti-theft device discount: Save up to 10% on your premium if your car is equipped with an anti-theft device.
- Paid in full discount: Save up to 5% on your premium if you pay your premium in full upfront.
- EFT discount: Save up to 5% on your premium if you set up automatic payments through electronic funds transfer (EFT).
- Paperless discount: Save up to 5% on your premium if you opt for paperless billing and communication.
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How American Risk Insurance Ranks Among Providers
While American Risk Insurance Company, Inc. is a prominent insurance provider in several states, it also has several competitors in the insurance industry. Here are some of the company’s main competitors:
- State Farm: State Farm is a large insurance company that offers a wide range of insurance products and services to its customers. The company has a strong presence in the auto and home insurance markets and is known for its competitive rates and excellent customer service.
- Allstate: Allstate is another major insurance company that provides auto, home, and life insurance products and services. The company is known for its customizable coverage options and its user-friendly website and mobile app.
- Nationwide: Nationwide is a mutual insurance company that offers a range of insurance products and services, including auto, home, and business insurance. The company is known for its flexible coverage options and its extensive network of agents.
- Progressive: Progressive is a large insurance provider that specializes in auto insurance. The company offers a range of coverage options, including liability, collision, and comprehensive coverage, and is known for its competitive rates and innovative products.
- Geico: Geico is a popular insurance company that provides auto, home, and renters insurance products and services. The company is known for its catchy advertising campaigns and its user-friendly website and mobile app.
Frequently Asked Questions
How do I file a claim with American Risk Insurance Company, Inc.?
You can file a claim by calling American Risk Insurance Company, Inc.’s claims department or by submitting a claim online through the company’s website.
What types of payment options does American Risk Insurance Company, Inc. offer?
American Risk Insurance Company, Inc. offers a variety of payment options, including online payments, automatic payments, and payments by phone or mail.
What is American Risk Insurance Company, Inc.’s cancellation policy?
American Risk Insurance Company, Inc. allows customers to cancel their policies at any time. However, certain fees and charges may apply depending on the specific terms of your policy.
Does American Risk Insurance offer roadside assistance?
Yes, American Risk Insurance provides roadside assistance as part of their auto insurance coverage.
Does American Risk Insurance have mobile apps?
There is no specific information available about mobile apps provided by American Risk Insurance at this time.
How can I contact American Risk Insurance?
You can contact American Risk Insurance through their website, phone (1-800-256-2171), email (customerservice@americanriskinsurance.com), or mailing address (P.O. Box 45126, Jacksonville, FL 32232-5126).
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