Owners Insurance Company Review (2024)
Owners Insurance Company stands out as a reliable choice for insurance needs, offering a comprehensive array of coverage options, competitive rates, and a steadfast commitment to top-tier customer service, ensuring peace of mind and financial protection for policyholders.
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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Owners Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- Comprehensive coverage options
- Strong financial stability
- Excellent customer satisfaction
- Bundling discounts available
- Competitive rates
Cons
- Limited availability in some regions
- May not offer specialized coverage for unique situations
- Rates can vary based on location and personal factors
The article explores the comprehensive insurance coverage options provided by Owners Insurance Company, emphasizing its commitment to safeguarding the financial well-being of its customers.
The company offers a wide array of insurance products, including home, auto, life, and business insurance, alongside additional coverages like umbrella insurance and pet insurance, ensuring that individuals, families, and businesses have tailored solutions to protect their assets and loved ones.
Furthermore, Owners Insurance Company offers various discounts, such as multi-policy and safe driving discounts, to help policyholders save on premiums while maintaining excellent coverage.
In a competitive insurance landscape, the company strives to stand out through exceptional customer service, customizable policies, and efficient claims processing, making it a trusted partner in times of uncertainty.
Owners Insurance Company Insurance Coverage Options
Owners Insurance Company is committed to providing comprehensive insurance solutions to meet the diverse needs of our valued customers. Here’s a bullet list summarizing the coverage options typically offered by an insurance company like Owners Insurance Company:
- Home Insurance: Home insurance is designed to protect your home and personal belongings from unexpected events, such as natural disasters, theft, or accidents. It provides financial security by covering repair or replacement costs for your dwelling and personal possessions.
- Auto Insurance: Auto insurance provides coverage for your vehicles, including cars, motorcycles, and RVs. It safeguards you from financial losses resulting from accidents, theft, or damage to your vehicle. It can also offer liability protection in case you’re at fault in an accident.
- Life Insurance: Life insurance is a critical part of financial planning. It offers a financial safety net for your loved ones in the event of your passing. There are different types, including term life insurance, which provides coverage for a specific period, and whole life insurance, which offers lifetime protection.
- Business Insurance: Business insurance is essential for protecting your investment as a business owner. It encompasses various policies, including general liability, commercial property insurance, and more, to shield your business from potential risks and losses.
- Umbrella Insurance: Umbrella insurance acts as an extra layer of liability protection beyond your primary insurance policies. It helps cover costs that exceed the limits of your other policies, ensuring that you’re adequately protected.
- Renters Insurance: Renters insurance is for individuals renting a property. It covers personal belongings, liability protection, and additional living expenses if your rented home becomes uninhabitable due to a covered event.
- Boat and Watercraft Insurance: Boat and watercraft insurance provide coverage for your waterborne vehicles, protecting against damage, theft, and liability claims while on the water.
- Pet Insurance: Pet insurance ensures that your beloved pets receive necessary medical care without the financial burden. It covers veterinary bills, medications, and procedures, allowing you to provide the best care for your furry companions.
- Travel Insurance: Travel insurance offers peace of mind during your journeys. It can cover trip cancellations, medical emergencies, lost luggage, and other unexpected incidents while you’re away from home.
These coverage options provide a comprehensive range of insurance products to meet the diverse needs of individuals, families, and businesses. Each type of insurance serves to protect specific aspects of your life, assets, and financial well-being.
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Owners Insurance Company Insurance Rates Breakdown
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| Driver Profile | Owners Insurance Company | National Average |
|---|---|---|
| Clean Record | $149 | $129 |
| 1+ Ticket | $170 | $153 |
| 1+ Accident | $190 | $177 |
| DUI | $222 | $199 |
| Poor Credit | $256 | $222 |
Owners Insurance Company Discounts Available
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| Discount | Owners Insurance Company |
|---|---|
| Anti Theft | 2% |
| Good Student | 10% |
| Low Mileage | 5% |
| Paperless | 3% |
| Safe Driver | 10% |
| Senior Driver | 9% |
Owners Insurance Company is dedicated to helping you save on your insurance premiums while maintaining excellent coverage. We offer a variety of discounts to reward responsible and safety-conscious policyholders:
- Multi-Policy Discount: Save by bundling multiple insurance policies, such as home and auto insurance, with us.
- Safe Driving Discount: Enjoy lower rates if you have a clean driving record and a history of safe driving.
- Good Student Discount: Students with good academic records may qualify for reduced rates.
- Home Security Discount: If your home is equipped with security features like alarms and surveillance systems, you can benefit from this discount.
- Claims-Free Discount: Maintain a claims-free history with us, and you may be eligible for reduced premiums.
- Multi-Vehicle Discount: If you insure multiple vehicles with us, you can take advantage of this discount.
- Paid-in-Full Discount: Pay your premium in full at the beginning of the policy term to receive a discount.
- Renewal Discount: Stay loyal to Owners Insurance Company, and you may be rewarded with a renewal discount.
- Safety Features Discount: Vehicles equipped with safety features like anti-lock brakes and airbags can qualify for this discount.
- Age-Related Discounts: We offer discounts for policyholders at certain age milestones, such as senior or mature driver discounts.
- Military Discount: Active-duty and retired military personnel can often benefit from special discounts as a token of appreciation for their service.
These discounts are designed to make insurance more affordable while recognizing responsible behavior and security measures. Be sure to discuss your eligibility for these discounts with our agents to maximize your savings. At Owners Insurance Company, we are committed to providing value and helping you protect what matters most.
How Owners Insurance Company Ranks Among Providers
Owners Insurance Company operates in a competitive insurance industry where several well-established companies offer similar services and coverage options. The company’s main competitors may vary by region and the specific types of insurance they specialize in. However, here are some potential competitors that Owners Insurance Company may encounter in the insurance market:
- 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 comprehensive coverage options.
- Allstate: Allstate is another major player in the insurance industry, offering various insurance types, along with features like accident forgiveness and safe driving rewards programs. They emphasize a strong online presence and mobile app for customer service.
- Progressive: Progressive is known for its innovative approach to auto insurance, including usage-based insurance and competitive rates. They also provide home and other insurance products, making them a versatile competitor.
- Geico: Geico is well-known for its humorous advertising campaigns and competitive pricing for auto insurance. They offer a user-friendly online experience and emphasize digital services.
- Nationwide: Nationwide offers a broad range of insurance options, including auto, home, and pet insurance. They often focus on personalized service and multi-policy discounts.
- USAA: USAA primarily serves military members and their families, offering a wide array of insurance and financial services. They are recognized for their exceptional customer service and dedication to serving the military community.
- Farmers Insurance: Farmers provides various insurance products, including home, auto, and business insurance. They are known for their local agents and customizable policies.
- Liberty Mutual: Liberty Mutual offers a diverse range of insurance options, including auto, home, and life insurance. They emphasize customer-centric features and benefits.
These are just a few of the prominent competitors in the insurance industry that Owners Insurance Company may compete with. The competition in the insurance market is intense, and insurers often differentiate themselves through unique coverage options, pricing strategies, customer service, and marketing efforts to attract and retain policyholders.
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Owners Insurance Company Claims Process
Ease of Filing a Claim
Owners Insurance Company offers multiple convenient options for filing insurance claims. Policyholders can choose to file a claim online through the company’s user-friendly website. Additionally, they have the option to file a claim over the phone by contacting the company’s dedicated claims department.
For tech-savvy individuals, Owners Insurance Company also provides a mobile app that streamlines the claims process, allowing customers to submit and track claims directly from their smartphones. This flexibility in claims submission methods ensures that policyholders can choose the option that suits them best, whether they prefer digital convenience or traditional communication channels.
Average Claim Processing Time
Owners Insurance Company is committed to providing efficient claim processing services. While the specific processing time may vary depending on the complexity of the claim, the company strives to resolve claims promptly. Policyholders can expect timely responses and updates throughout the claims process, helping them recover from unexpected events with minimal disruption to their lives.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a vital role in evaluating an insurance company’s performance in handling claims. Owners Insurance Company values customer satisfaction and consistently seeks feedback on claim resolutions and payouts.
Many policyholders have reported positive experiences with the company’s claims department, highlighting the fair and prompt settlements they have received. This positive feedback indicates that Owners Insurance Company is proactive in addressing its customers’ needs and ensuring that claims are resolved to the satisfaction of the policyholders.
Owners Insurance Company Digital and Technological Features
Mobile App Features and Functionality
Owners Insurance Company offers a comprehensive mobile app that empowers policyholders with a range of convenient features and functionalities. Through the mobile app, customers can easily access their insurance policies, view policy details, and make payments securely.
The app also provides a user-friendly interface for filing and tracking claims, enhancing the overall claims experience. Additionally, policyholders can receive important notifications and updates directly through the app, ensuring they stay informed about their coverage and any relevant changes.
Online Account Management Capabilities
Owners Insurance Company’s online account management capabilities are designed to simplify the insurance experience for customers. Policyholders can log in to their online accounts via the company’s website, where they can conveniently manage their policies, update personal information, and review billing and payment history.
This online portal provides a centralized hub for policy management, allowing customers to make changes to their coverage, request policy documents, and access important information 24/7, all from the comfort of their own homes.
Digital Tools and Resources
In addition to the mobile app and online account management, Owners Insurance Company offers a range of digital tools and resources to assist policyholders in making informed decisions about their insurance needs. These resources may include educational articles, calculators to determine coverage needs, and interactive tools to explore policy options.
By providing these digital resources, the company empowers customers to take control of their insurance choices and gain a deeper understanding of their coverage, promoting transparency and clarity in the insurance process.
Frequently Asked Questions
What sets Owners Insurance Company apart from other insurance providers?
Owners Insurance Company stands out due to our exceptional customer service, competitive rates, customizable policies, efficient claims process, and experienced agents. We prioritize your satisfaction, offer great value, tailor policies to your unique needs, make claims hassle-free, and have knowledgeable agents who understand your requirements.
How can I customize my insurance policy with Owners Insurance Company?
Customizing your policy with us is simple. During the application process, discuss your requirements with our agents. They’ll assist you in selecting coverage options, deductibles, and limits that match your specific needs and budget, ensuring you get insurance that’s tailored to you.
What types of additional coverages does Owners Insurance Company offer?
The company provide various coverages, including Umbrella Insurance for extra liability protection, Renters Insurance for renters’ belongings, Boat and Watercraft Insurance, Pet Insurance for your furry family members, and Travel Insurance for peace of mind during your journeys.
How do I file a claim with Owners Insurance Company?
Filing a claim with us is straightforward. Contact our claims department via phone or online, provide details and documentation about the incident, and our claims team will guide you through the process, working efficiently to resolve your claim promptly.
Can I bundle multiple insurance policies with Owners Insurance Company for discounts?
Yes, we offer bundling discounts when you combine multiple insurance policies with us. Bundling your home, auto, and other insurance needs can lead to cost savings while simplifying your coverage management.
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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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