Root Property & Casualty Insurance Company Review (2024)
Root Property & Casualty Insurance Company, distinguished by its A+ rating and minimal complaints, emerges as a trusted force in the insurance market, offering comprehensive coverage options and competitive discounts through an intuitive online platform.
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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Root Property & Casualty Insurance Company
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A+ (Superior)Complaint Level:
LowPros
- Comprehensive range of insurance products.
- Strong financial stability and A.M. Best rating.
- Competitive pricing and discounts for bundling policies.
- User-friendly online quote and claims process.
- Excellent customer service and claims support.
Cons
- Limited geographic availability (availability may vary by state).
- May not be the cheapest option for budget-conscious consumers.
Root Property & Casualty Insurance Company offers a comprehensive range of insurance solutions to meet the unique needs of its customers. With an A+ A.M. Best rating and a low complaint level, it stands as a trusted provider in the industry.
From auto insurance with options like liability, collision, and comprehensive coverage, to home insurance encompassing dwelling protection and personal property coverage, and renters insurance with safeguards for personal belongings and liability, Root ensures that individuals can safeguard their investments.
The company also extends various discounts, including safe driver rewards and bundling benefits, making their policies affordable and appealing. Root’s commitment to a user-friendly online platform, coupled with an engaging, conversational tone in their communication, sets them apart in delivering excellent customer service.
With Root Property & Casualty, customers can secure their future confidently, protecting what matters most with ease and efficiency.
Root Property & Casualty Insurance Company Insurance Coverage Options
Root Property & Casualty Insurance Company provides a wide range of coverage options to meet the diverse needs of its customers. These coverage options span across various types of insurance policies. Here is a comprehensive list of the coverage options offered by Root:
Auto Insurance Coverage Options
- Liability Coverage: This covers bodily injury and property damage liability if you’re at fault in an accident.
- Collision Coverage: Pays for repairs to your vehicle in case of an accident, regardless of fault.
- Comprehensive Coverage: Protects your vehicle from non-collision incidents such as theft, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist Coverage: Ensures you’re covered if you’re in an accident with a driver who doesn’t have adequate insurance.
Read more: Root Auto Insurance Review
Home Insurance Coverage Options
- Dwelling Coverage: Covers damage to the structure of your home, including walls, roof, and foundation.
- Personal Property Coverage: Protects your belongings inside your home, including furniture, appliances, and personal items.
- Liability Coverage: Safeguards you in case someone is injured on your property and you are found liable.
- Additional Living Expenses Coverage: Helps cover living expenses if your home becomes uninhabitable due to a covered event.
Renters Insurance Coverage Options
- Personal Property Coverage: Protects your personal belongings in your rented space, such as clothing, electronics, and furniture.
- Liability Coverage: Covers you in case of accidents that occur within your rental property and you are found responsible.
- Loss of Use Coverage: Assists with living expenses if your rented space becomes uninhabitable due to a covered event.
These coverage options allow Root Property & Casualty to tailor insurance policies to the specific needs of each customer. Whether you’re looking to protect your vehicle, home, or rental property, Root offers comprehensive coverage to provide peace of mind and financial security in various situations.
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Root Property & Casualty Insurance Company Insurance Rates Breakdown
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| Driver Profile | Root Property & Casualty Insurance | National Average |
|---|---|---|
| Clean Record | $88 | $119 |
| 1+ Ticket | $134 | $147 |
| 1+ Accident | $176 | $173 |
| DUI | $273 | $209 |
| Poor Credit | $151 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Root Property & Casualty Insurance Company Discounts Available
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| Discounts | Root Property & Casualty Insurance |
|---|---|
| Anti Theft | 15% |
| Good Student | 24% |
| Low Mileage | 18% |
| Paperless | 9% |
| Safe Driver | 28% |
| Senior Driver | 16% |
Root Property & Casualty Insurance Company offers a variety of discounts to help customers save on their insurance premiums. These discounts can make coverage more affordable and appealing to a wide range of policyholders. Here are some of the key discounts offered by Root:
- Bundling Discount: Customers can save money by bundling multiple insurance policies with Root. This includes combining auto, home, and renters insurance under a single policy, making it convenient and cost-effective.
- Safe Driver Discount: Root rewards safe driving habits. Policyholders with a clean driving record and a history of safe driving may qualify for reduced premiums.
- Good Student Discount: Young drivers who maintain good grades in school can benefit from this discount. It encourages and rewards responsible academic performance.
- Anti-Theft Device Discount: Installing anti-theft devices in your vehicle can lead to lower premiums, as it reduces the risk of theft or vandalism.
- Home Safety Features Discount: For homeowners, having safety features in your home, such as smoke detectors, security systems, and fire extinguishers, can result in discounted home insurance rates.
- Claims-Free Discount: Root offers discounts to policyholders who have not filed any claims during a specified period. This demonstrates responsible and low-risk behavior.
- Paperless Billing Discount: Opting for paperless billing and online account management can lead to reduced premiums, as it streamlines administrative processes.
- Full Payment Discount: Customers who choose to pay their annual premium in full, rather than through monthly installments, may receive a discount for this payment method.
- Continuous Coverage Discount: Maintaining continuous coverage with Root can lead to lower rates over time. This reward encourages policyholders to stay loyal to the company.
- Affinity Group Discount: Some organizations and associations have partnerships with Root, offering their members exclusive discounts on insurance policies.
- Multi-Vehicle Discount: If you insure multiple vehicles with Root, you may be eligible for a multi-vehicle discount, reducing the cost of coverage for all your vehicles.
These discounts make Root Property & Casualty Insurance Company a competitive choice for those seeking cost-effective insurance solutions. Customers can often combine multiple discounts to maximize their savings, making it a financially appealing option for many policyholders.
How Root Property & Casualty Insurance Company Ranks Among Providers
Root Property & Casualty Insurance Company faces competition from several other insurance providers in the market. Some of its main competitors include:
- State Farm: State Farm is a well-established insurance giant known for its extensive network of agents and a wide range of insurance products, including auto, home, and renters insurance. They are recognized for their strong customer service and financial stability, making them a formidable competitor in the industry.
- Geico: Geico is renowned for its competitive pricing and humorous advertising campaigns. They offer a variety of insurance options, with a focus on auto insurance. Geico’s user-friendly online platform and efficient claims process have attracted a large customer base.
- Progressive: Progressive is another major player in the insurance industry, known for its innovative policies and the ability to compare quotes from multiple insurers. They have a strong presence in auto insurance but also offer home and renters insurance, making them a versatile competitor.
- Allstate: Allstate is a well-recognized insurance provider that offers a wide range of insurance products, including auto, home, and renters insurance. They are known for their customizable policies and numerous discounts, which make them a strong contender in the market.
- Liberty Mutual: Liberty Mutual is a global insurance company offering various insurance solutions, including auto, home, and renters insurance. They are known for their comprehensive coverage options and personalized service.
- USAA: While serving a specific demographic of military members and their families, USAA is a strong competitor in the insurance industry. They are renowned for their exceptional customer service and comprehensive coverage options.
- Farmers Insurance: Farmers Insurance offers a variety of insurance products, with a strong presence in auto and home insurance. They are known for their local agents and personalized service.
- Nationwide: Nationwide provides a range of insurance solutions, including auto, home, and renters insurance. They emphasize customer loyalty and offer discounts for bundling policies.
Root Property & Casualty competes with these companies by offering unique features, such as its low complaint level, strong financial stability, and user-friendly online platform. Each competitor has its strengths and weaknesses, which can vary depending on the specific needs and preferences of the customer.
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Claims Process With Root Property & Casualty Insurance Company
Streamlined Claim Filing Options
Root Property & Casualty Insurance Company offers a variety of convenient channels for policyholders to file claims, ensuring a hassle-free experience. Whether it’s through their user-friendly online platform, over the phone, or via mobile apps, customers have options that cater to their preferences.
Efficient Claim Processing Time
Root prioritizes swift claim processing, striving to minimize delays and expedite resolutions. While processing times may vary based on individual circumstances, the company’s commitment to efficient service ensures customers receive prompt attention during critical moments.
Customer Satisfaction With Claim Resolutions
Customer feedback highlights Root’s commitment to fair and transparent claim resolutions. The company’s dedication to delivering on its promises is reflected in positive customer reviews, underscoring its reliability in safeguarding policyholders’ investments.
Digital and Technological Features of Root Property & Casualty Insurance Company
Mobile App Empowerment
Root’s feature-rich mobile app enhances the insurance experience by putting control in policyholders’ hands. From policy management to claim reporting and access to essential documents, the app offers a range of tools to simplify insurance-related tasks. Digital ID cards and real-time updates make it indispensable for those on the move.
Seamless Online Account Management
Root’s online portal provides comprehensive account management capabilities, empowering customers with easy access to policy details, payment options, personal information updates, and claim tracking. This digital convenience ensures that policyholders can efficiently manage their insurance accounts at their convenience.
Accessible Digital Support
Root Property & Casualty Insurance Company equips policyholders with a suite of digital tools and educational resources. From informative articles to interactive decision-making tools, these digital resources empower customers to make well-informed insurance choices, enhancing their overall insurance journey.
Frequently Asked Questions
How can I get a quote for insurance from Root Property & Casualty?
To obtain a quote, you can visit the Root Property & Casualty Insurance Company website, where you can enter your information and get a personalized quote. Alternatively, you can also contact our customer service team for assistance in obtaining a quote.
What factors influence my auto insurance premium with Root?
Several factors can affect your auto insurance premium, including your driving history, the type of vehicle you own, your location, and the coverage options you select. Maintaining a clean driving record and bundling policies can also impact your rates positively.
Do I need renters insurance if I live in an apartment?
Yes, renters insurance is highly recommended even if you live in an apartment. It helps protect your personal belongings and provides liability coverage in case of accidents within your rental space. It’s a valuable safeguard for tenants.
Can I bundle multiple insurance policies with Root for discounts?
Yes, Root Property & Casualty Insurance Company offers discounts for bundling multiple policies. This means you can combine auto, home, and renters insurance under a single policy, leading to cost savings on your insurance premiums.
How do I file a claim with Root Property & Casualty?
You can file a claim with Root by visiting their website and using their online claims submission tool or by contacting their claims department via phone. They will guide you through the claims process and assist you in resolving your claim efficiently.
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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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