Assurant Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Assurant Insurance Score
3 Stars
We award Assurant, Inc. a final rating of three out of five stars. The carrier’s experience within the insurance industry surpasses a century and a quarter, which is certainly noteworthy and respectable, as are its high ratings through AM Best and the Better Business Bureau (BBB).
However, there have been thousands of customer complaints filed against the carrier through the BBB in recent years. Assurant also loses some points for having a less-than-stellar official website that doesn’t provide certain information insurance customers have come to expect, such as a claims response time frame promise or more details about its coverages. Discount information is also not provided.
Assurant, Inc. was founded in 1892. The carrier was named one of Ward’s Top 50 Property & Casualty Companies for more than 10 years in a row.
Assurant is also a Fortune 500 company. Its coverage is available nationwide, and its catalog of coverage options includes commercial flood insurance, mobile device insurance, renters insurance, and more.
Customer feedback is mixed across the board, with a seemingly equal number of glowing and dismal reviews. That being said, the carrier’s financial strength is a huge advantage, as is its 24/7 claims reporting availability.
While we’re not quite ready to name the carrier as one of our top picks, we can’t recommend overlooking Assurant either. If you’re in need of any of its coverage offerings, Assurant is worth a mention to your independent insurance agent. You just may want to survey options for your insurance needs as well.
Assurant Pros and Cons:
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Assurant Insurance Products by Type
Assurant offers several insurance solutions for businesses, including specialty coverages. Its products include:
Home & Property Insurance:
- Manufactured housing insurance
Business Insurance:
- Mobile device insurance
- Electronics and smart tech insurance
- Jewelry and valuables insurance
- Home appliances and furnishings insurance
- Lender-placed insurance
- Commercial flood insurance
- Auto reinsurance
- Commercial equipment insurance
- Financial institutions insurance
Assurant Condo Insurance
Assurant offers condo insurance that includes all the standard protections you'd expect to find in a policy. These include the following.
Coverage types, features, and benefits:
Interior
Assurant's condo insurance includes coverage for appliances, heating and cooling systems, and other elements within the home's interior, as well as upgrades.
Contents
Assurant's condo insurance includes protection for personal property, including furniture, clothing, electronics, etc.
Loss of use
Assurant's condo insurance includes additional living expenses coverage in case the policyholder must temporarily live elsewhere while their condo is uninhabitable due to a covered loss.
Liability
Assurant's condo insurance includes personal liability coverage in case a third party suffers a bodily injury or personal property damage at the policyholder's home.
Assurant Condo Insurance Average Prices
Assurant does not disclose its average condo insurance rates. Interested customers can contact the carrier directly or work with a local independent insurance agent who can provide exact quotes for a policy. Until then, you can also learn more about condo insurance costs and how they're calculated.
What Discounts Does Assurant Offer?
While Assurant does not make information about their specific discounts readily available, many modern insurance carriers offer common discounts on comparable coverages. These discounts may include:
- Elevated homes discount: This is available to flood insurance customers who elevate their structure on concrete pillars if they’re located in a flood zone.
- Shore home stilts discount: This is available to flood insurance customers who live along the shore that elevate their property on stilts.
- Damage specs discount: This is available to flood insurance customers who purchase homes built specifically to withstand wind and wave damage.
- Annual premium discount: This is offered to many types of insurance customers who opt to pay their premiums in full annually, rather than monthly.
- Bundling discount: This is offered to insurance customers who purchase more than one type of coverage through a single carrier.
An independent insurance agent can provide better discount information and premium quotes for coverage through Assurant. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
Assurant Customer Service
Assurant allows customers to file claims over the phone or online, any time of the week. The carrier also provides the following customer service options:
- Phone
- 24/7 claims reporting via phone or online
- Expansive phone directory by department
- Main customer service hotlines have the following hour restrictions:
| Days | Hours (ET) | ||
| Monday-Friday | 8:00 a.m. - 8:00 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you so you can relax and enjoy your coverage.
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Assurant Insurance FAQs
Assurant offers 24/7 claims reporting for their customers via phone or online. However, the carrier does not have an official claims response time frame promise listed on its website. That being said, many glowing customer reviews have reported extremely fast claims turnaround times, with original responses occurring within 24 to 48 hours of filing.
Assurant offers separate phone lines for general customer inquiries and claims filing. Its claims reporting hotline is available for customers 24/7, and its customer service hotlines have generous hours Monday through Friday. Assurant also has a social media presence on Facebook, X, and LinkedIn, making it even more accessible to customers.
Assurant allows customers to file claims either through the official website or over the phone. The carrier’s website does not provide much information about how to file claims. Assurant’s website redirects customers to the appropriate department to file a claim based on what type of insurance they have. There is no FAQ about the claims process or any further details about what customers should expect after filing readily available.
Assurant’s official website feels a bit lacking and leaves much to be desired, especially when compared to many other modern insurance carriers. Information about coverage provided is minimal, and there are no details about an official claims time frame promise or their claims process.
Prospective and current insurance customers alike may end up frustrated while trying to hunt for the information they need through the website. Overall, Assurant has a way to go before it’s up to par with other carriers on the user-friendliness scale.
Assurant's condo insurance policies come with all the standard coverages, including liability, contents, interior, and loss of use. The carrier does not list any additional coverage options or rates for its policies.
Assurant has outstanding official ratings and well over a century's worth of experience in the insurance industry. However, its official website could use a lot more detail about its coverages and claims process. The carrier has also had thousands of complaints filed against it through the BBB. Overall, Assurant can be considered a fairly good insurance company.
Assurant's insurance products may be right for businesses in need of specialized coverage. Available products including commercial flood insurance, mobile device insurance, financial institutions insurance, etc. Coverage is available nationwide.
https://www.assurant.com/about-us/company-overview
https://news.ambest.com/pr/PressContent.aspx?altsrc=2&refnum=35119
https://www.bbb.org/us/fl/miami/profile/insurance-companies/assurant-inc-0633-92018475