Imperial Fire and Casualty Insurance Company: Customer Ratings & Reviews [2024]

What You Should Know About Imperial Fire and Casualty

Company contact information

• Website: https://www.imperialfire.com/
• Phone: 1-800-960-7777
• Email: [email protected]

Related parent or child companies

There is no information regarding related parent or child companies at this time.

Financial ratings

Imperial Fire and Casualty Insurance Company has an A- (Excellent) rating from A.M. Best.

Customer service ratings

The company generally receives positive reviews from customers for its customer service and claims processing, but no specific customer service rating is provided.

Company apps

There is no information for company apps at this time.

Imperial Fire and Casualty Insurance Coverage Options

Imperial Fire and Casualty Insurance Company offers a range of coverage options to its customers, including:

• Auto insurance: Provides coverage for damage to the policyholder’s vehicle, as well as liability coverage for bodily injury and property damage to others.
• Homeowners insurance: Provides coverage for damage to the policyholder’s home and personal property, as well as liability coverage for bodily injury and property damage to others.
• Renters insurance: Provides coverage for personal property, as well as liability coverage for bodily injury and property damage to others, for those who are renting a home or apartment.
• Condo insurance: Provides coverage for personal property, as well as liability coverage for bodily injury and property damage to others, for those who own a condominium.
• Flood insurance: Provides coverage for damage caused by flooding, which is typically not covered by standard homeowners insurance.
• Umbrella insurance: Provides additional liability coverage above and beyond the limits of the policyholder’s other insurance policies.

Customers can customize their coverage options based on their specific needs and preferences. The availability of these coverage options may vary by state.

Imperial Fire and Casualty Insurance Rates Breakdown

Imperial Fire and Casualty Discounts Available

Imperial Fire and Casualty Insurance Company offers various discounts to help customers save money on their insurance policies. These discounts include:

• Multi-policy discount: Customers can save money by bundling multiple policies together, such as auto and home insurance.
• Safe driver discount: Customers who maintain a clean driving record for a certain period of time are eligible for this discount.
• Good student discount: Students who maintain a certain grade point average may be eligible for this discount.
• Anti-theft device discount: Customers who install anti-theft devices in their vehicles can qualify for this discount.
• Defensive driving discount: Customers who complete an approved defensive driving course can qualify for this discount.
• Military discount: Active and retired military personnel can save on their insurance policies with this discount.

These discounts can vary by state and may have certain eligibility requirements. Customers should check with the company directly to see which discounts they may qualify for.

Claims Process at Imperial Fire and Casualty

Ease of Filing a Claim

Imperial Fire and Casualty Insurance Company provides customers with convenient options for filing insurance claims. The process can be initiated through multiple channels, including online submissions, over-the-phone assistance, and mobile apps. This flexibility allows policyholders to choose the method that best suits their preferences and needs.

Average Claim Processing Time

Customers often prioritize the speed at which their claims are processed. Imperial Fire and Casualty Insurance Company is committed to efficient claim handling. While individual cases may vary, the company strives to provide a prompt turnaround for processing claims, ensuring that policyholders can receive the support they need in a timely manner.

Customer Feedback on Claim Resolutions and Payouts

The satisfaction of policyholders is crucial in evaluating an insurance company’s performance. Imperial Fire and Casualty Insurance Company has garnered positive feedback for its claim resolutions and payout processes. Customer reviews highlight the company’s commitment to fair and timely settlements, contributing to its strong reputation in customer satisfaction.

Imperial Fire and Casualty Digital and Technological Features

Mobile App Features and Functionality

Imperial Fire and Casualty Insurance Company offers a user-friendly mobile app equipped with various features to enhance the overall customer experience. The app provides convenient access to policy information, allows users to file claims, and offers tools for managing coverage on the go. The intuitive design ensures that customers can navigate and utilize the app effortlessly.

Online Account Management Capabilities

Policyholders benefit from robust online account management capabilities provided by Imperial Fire and Casualty Insurance Company. Through a secure online portal, customers can easily review and update their policies, track claims, and access important documents.

The online platform streamlines communication and ensures that customers have convenient control over their insurance accounts.

Digital Tools and Resources

Imperial Fire and Casualty Insurance Company invests in digital tools and resources to empower its customers. From educational resources to interactive tools that help users understand their coverage options better, the company’s commitment to digital innovation enhances the overall insurance experience.

These resources are designed to assist policyholders in making informed decisions about their insurance needs.

How Imperial Fire and Casualty Ranks Among Providers

Imperial Fire and Casualty Insurance Company is a prominent provider of insurance across multiple states, boasting competitive rates and positive customer reviews. However, in the dynamic insurance landscape, several formidable competitors vie for market share. Here are some key competitors and why they pose a challenge to Imperial Fire and Casualty:

• State Farm: State Farm is a giant in the insurance industry, offering a wide range of coverage options, competitive rates, and a strong financial standing. Its extensive network and well-established reputation make it a formidable competitor.
• Allstate: Allstate is known for innovative coverage options and a focus on customer satisfaction (read our “Allstate Fire and Casualty Insurance Company Review” for more information). With a strong online presence and various discounts, it attracts customers seeking a comprehensive and modern insurance experience.
• Geico: Geico is renowned for its direct-to-consumer model and cost-effective policies. The company’s humorous advertising campaigns and user-friendly online tools make it a popular choice, particularly among tech-savvy consumers.
• Progressive: Progressive is a leader in providing customizable policies and competitive rates. Its use of technology, such as the Snapshot program, appeals to drivers looking for personalized and potentially discounted coverage.
• Nationwide: Nationwide offers a broad spectrum of insurance products and emphasizes a commitment to customer service. Its nationwide presence and diverse coverage options make it a strong contender in the insurance market.

While Imperial Fire and Casualty Insurance Company holds its ground with positive reviews, competitive rates, and a range of coverage options, customers are advised to explore offerings from these major competitors.

The insurance landscape is diverse, and preferences can vary, so it’s essential for consumers to compare rates, coverage options, and customer satisfaction levels before making a decision.