United Casualty Insurance Company of America Review [2024]
United Casualty Insurance Company of America, a subsidiary of Kemper Corporation, extends its commitment to offering comprehensive homeowners insurance to a wide customer base across the nation.
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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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United Casualty Insurance Company of America
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A+Complaint Level:
LowPros
- Rated A+ by A.M. Best under the parent company, Kemper Corporation
- Offers homeowners insurance nationwide
- Provides personalized customer service due to being a smaller company
- Offers the financial stability of being a subsidiary of Kemper Corporation
Cons
- No active website for claims filing, phone claims only
- Limited availability of information specific to United Casualty Insurance Company of America
- Lack of average rates for the company
United Casualty Insurance Company of America offers home insurance to homeowners in Missouri. It is a subsidiary of Kemper Corporation, along with over 82 other subsidiaries and 341 branches.
If you need to get ahold of the company, the United Casualty Insurance phone number is 314-819-4300.
If you are looking for affordable United Casualty Insurance Company of America home insurance quotes, we can help.
Before we get started on this United Casualty Insurance Company of America Review, take a moment to use your ZIP code and get a free quote on home insurance today.
What You Should Know About United Casualty Insurance Company of America
We looked at various ratings for United Casualty Insurance Company of America Insurance Claim, which we’ve summarized in the following tables.
According to the Better Business Bureau (BBB), the rating for United Casualty life insurance is as follows:
| Rating | Accreditation | Customer Complaints |
|---|---|---|
| A+ | Not Accredited | 16 closed in the past 3 years, 3 close in the past 12 months |
The company has been reviewed by the BBB for the past 10 years, so there is a significant track record.
However, other rating data was only conducted on the parent company, Kemper Corporation. With that in mind, we also pulled A.M. Best ratings for the company. A.M. Best is a financial ratings company that focuses on the insurance industry. (For more information, read our “Kemper Corporation Insurance Review“).
A.M. Best rates Kemper Corporation as an A+ with a positive outlook for the future from a financial perspective.
Don’t buy United Casualty Insurance Company of America home insurance without comparing rates with other home insurance companies in your area.
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United Casualty Insurance Company of America Insurance Coverage Options
United Casualty Insurance Company of America, operating under the umbrella of Kemper Corporation, takes pride in providing a range of robust homeowners insurance coverages. Understanding the diverse needs of homeowners, the company offers tailored solutions to ensure peace of mind and financial security. Here’s a breakdown of the coverages available:
- Dwelling Coverage: Protects the structure of your home, including walls, roof, and foundation, in the event of covered perils such as fire, vandalism, or severe weather.
- Personal Property Coverage: Safeguards your belongings, including furniture, electronics, and clothing, against covered losses, whether they occur inside or outside your home.
- Liability Coverage: Offers financial protection in case you are found legally responsible for injuries to others or damage to their property, covering legal expenses and settlement costs.
- Medical Payments to Others: Covers medical expenses for guests who are injured on your property, regardless of fault, helping to mitigate potential lawsuits.
- Additional Living Expenses (ALE): Provides coverage for temporary living expenses if you are forced to vacate your home due to a covered loss, such as fire or storm damage.
- Other Structures Coverage: Extends protection to structures on your property separate from the main dwelling, such as a detached garage, shed, or fence.
United Casualty Insurance Company of America understands that each homeowner’s needs are unique, and their comprehensive coverage options reflect this commitment to personalized protection.
United Casualty Insurance Company of America Insurance Rates Breakdown
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| Driver Profile | United Casualty | National Average |
|---|---|---|
| Clean Record | $96 | $119 |
| 1+ Ticket | $133 | $147 |
| 1+ Accident | $188 | $173 |
| DUI | $240 | $209 |
| Poor Credit | $165 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
United Casualty Insurance Company of America offers home insurance under the parent company Kemper Corporation. We don’t currently have average rates for the company, but we do suggest that smaller insurance companies like United Casualty can sometimes be a benefit to the insured.
Why? Companies like United Casualty Insurance Company of America are capable of offering more customized policies with personal customer service because of the smaller number of insureds (as opposed to larger companies). Additionally, their rates may be lower because they can choose to only insure lower risk insureds.
In the case of United Casualty Insurance Company of America, you get both the benefits of a smaller company, which we just discussed, along with the financial stability of a larger company because it is a subsidiary of Kemper Corporation.
How to Make a United Casualty Insurance Company of America Insurance Claim
You can call United Casualty Insurance Company of America claims phone number at (314) 819-4300. The company does not have an active website, so there is no online United Casualty Insurance claims filing unless you choose to file a claim through the parent company, Kemper Corporation.
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The Bottom Line for United Casualty Insurance Company of America
When you’re considering various home insurance companies, if you live in Missouri, United Casualty Insurance Company of America is one option to consider. The company is a subsidiary of the Kemper Corporation, and under the parent company, it is rated A+ by A.M. Best, which is a positive financial sign.
United Casualty Insurance Company of America Discounts Available
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| Discounts | United Casualty |
|---|---|
| Anti Theft | 13% |
| Good Student | 10% |
| Low Mileage | 17% |
| Paperless | 8% |
| Safe Driver | 21% |
| Senior Driver | 12% |
When it comes to securing your home and valuables, United Casualty Insurance Company of America not only prioritizes comprehensive coverage but also strives to make insurance more affordable through a range of discounts.
Recognizing the importance of maximizing savings without compromising protection, the company offers various discounts to eligible policyholders. Explore the opportunities to optimize your insurance investment with these valuable discounts:
- Multi-Policy Discount: Enjoy savings by bundling your homeowners insurance with another policy, such as auto insurance, under the same insurance provider.
- Protective Device Discount: If your home is equipped with security features like burglar alarms, smoke detectors, or fire extinguishers, you may qualify for a discount on your premium.
- Claims-Free Discount: Maintain a claims-free history with United Casualty Insurance Company of America, and you may be eligible for a discount as a reward for responsible homeownership.
- Renewal Discount: Loyalty pays off – policyholders who renew their coverage with United Casualty Insurance Company of America may qualify for a renewal discount.
- New Homeowner Discount: If you’ve recently purchased a new home, you may be eligible for a discount as a new homeowner, recognizing the reduced risk associated with newer properties.
- Age of Insured Discount: Enjoy potential savings based on the age of the policyholder, with discounts that may apply to mature homeowners.
United Casualty Insurance Company of America is committed to not only providing robust coverage but also ensuring that homeowners can access affordable insurance solutions. By taking advantage of these discounts, you can tailor your policy to align with your needs and budget, making the protection of your home a more cost-effective investment.
How United Casualty Insurance Company of America Ranks Among Providers
Navigating the realm of homeowners insurance requires a nuanced understanding of the competitive landscape. United Casualty Insurance Company of America contends with formidable rivals, each bringing its strengths and advantages to the forefront. Exploring these competitors allows homeowners to make informed decisions aligned with their specific needs.
- State Farm Insurance: Renowned for an expansive coverage portfolio and unwavering financial stability, State Farm stands as a formidable competitor with a vast agent network.
- Allstate Insurance: Allstate combines a well-established presence with a robust online platform, offering personalized coverage solutions and maintaining a strong financial reputation.
- Progressive Insurance: Known for innovation, Progressive brings a tech-forward approach to homeowners insurance, featuring user-friendly online tools and a straightforward claims process.
- Liberty Mutual Insurance: With a global reach, Liberty Mutual shines in offering customizable coverage options and an intuitive online experience, coupled with various discounts.
- Nationwide Insurance: Nationwide excels in providing a diverse range of policy features, competitive premiums, and a commitment to strong customer service.
As homeowners evaluate their insurance choices, acknowledging the strengths of United Casualty Insurance Company of America’s competitors is paramount. By considering the unique offerings of each competitor, homeowners can tailor their insurance decisions to match their preferences and secure the protection their homes deserve.
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Frequently Asked Questions
What is United Casualty Insurance Company of America?
United Casualty Insurance Company of America is a subsidiary of Kemper Corporation that provides homeowners insurance to customers nationwide.
Is United Casualty Insurance Company of America a good choice?
United Casualty Insurance Company of America is rated A+ by A.M. Best under the parent company, Kemper Corporation, which is a positive financial sign. However, it is recommended that you compare rates with other home insurance companies in your area before making a decision.
How can I make a United Casualty Insurance Company of America insurance claim?
You can call United Casualty Insurance Company of America claims phone number at (314) 819-4300. The company does not have an active website, so there is no online United Casualty Insurance claims filing unless you choose to file a claim through the parent company, Kemper Corporation.
What is the phone number for United Casualty Insurance Company of America?
The United Casualty Insurance Company of America phone number is 314-819-4300.
What is Casualty Corporation of America Insurance?
Casualty Corporation of America Insurance is a property and casualty insurance company that provides property, liability, and auto insurance to residents of Oklahoma.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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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