United Fire Group Insurance Review & Complaints: Auto, Home, Business, & Life Insurance (2024)
A United Fire Group Insurance review covers a range of products including personal auto, home, and life insurance as well as business insurance and surety bonds. United Fire Group claims can over the phone or online and the company, also referred to as United Fire and Casualty, has an has an A+ rating with the Better Business Bureau.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
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 companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
United Fire Group Insurance Company offers a comprehensive list of insurance policies for both individuals and for businesses through a list of subsidiary companies. They write insurance in nearly every state, offering auto, home, life, and commercial policies.
This United Fire Group Insurance review will cover everything you need to know about the company. Ready to compare car insurance or home insurance quotes right now? Enter your ZIP code to begin.
United Fire Group Insurance Summary
United Fire Group traces its roots back to Ace Mutual Insurance Association, founded in 1937. In 1943, the company merged with North Central Mutual Insurance to form United Mutual Insurance Association, and by 1950, the United Fire & Casualty Company was formed. The company continued expansion with the addition of United Life Insurance in 1962, and went public in 1971.
The ensuing years saw acquisitions of multiple different companies as United spread across the country. Most recently, the company merged with Mercer Insurance Group; the completion of this merger in 2011 saw United Fire cover more of the nation than ever before, nearly every state.
United Fire Group writes a variety of personal and business products through independent agents, and do not offer any direct sales. They currently write insurance in 43 states, 36 of which include life insurance products.
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United Fire Group Insurance Products
United Fire writes the big three of personal insurance – auto, home, and life – as well as business insurance and surety bonds.
Auto Insurance
United Fire’s personal auto insurance program appears basic but solid; they offer all the common coverage options as well as a few extras such as new vehicle replacement and airbag replacement.
Also, available is the company’s Road Assist 24/7, which is a little more than the average roadside assistance plan; it includes coverage for things such as locksmith services, flat tire changes, dead battery assistance, and, of course towing.
Discounts for auto insurance are pretty basic, including good driver, loyalty, loss-free, and multiple policy discounts.
Motorcycle insurance is also available with similar coverage and additions that are specific to motorcycles, including additional equipment coverage.
Home Insurance
United has a homeowner’s program with two levels of coverage. The basic coverage is the standard homeowner’s. They also offer a higher coverage level for newer custom homes known as Signature Premier Homeowner Program.
Signature Premier has all the basics but also adds identity theft coverage, equipment breakdown, increased valuables limits, and a free home inspection. These can also be added as endorsements to a basic homeowner’s policy. Additional add-ons include:
- Personal Injury coverage
- Earthquake insurance
- Water back-up and sump pump overflow
- Scheduled personal property
There are a number of discounts available for homeowner’s including a new home discount, multi-policy, and security system discount.
In addition to home insurance, United also writes condo and renter’s policies.
Life Insurance
United writes both term and permanent life policies, and also offers annuities.
Term life insurance is available with the option to convert to permanent; The company also offers several riders to choose from, including disability income coverage and waiver of premiums.
Both whole and universal life insurance policies are available for permanent coverage; these both include cash accumulation and steady premiums. Available riders include accelerated benefits, disability income, and guaranteed insurability.
Annuity choices from United for retirement income planning are:
- Single Premium Deferred
- Flexible Premium Deferred
- Single Premium Income
Additional Products
Business Insurance
United Fire Group writes a good range of different business insurance options, intended mainly for small businesses. The choices include:
- Commercial Auto
- Business Owners Policy (package policy)
- Commercial Crime
- Commercial Property
- Contractor’s Errors & Omissions
- Garage Service Program
- General Liability
- Inland Marine
Umbrella Insurance
United Fire offers umbrella insurance for both individuals and businesses; this coverage provides additional (up to $5 million extra) liability protection above and beyond underlying policy limits.
Surety Bonds
United has a number of different types of bonds available, including surety, contract, fidelity, judicial, license and contract, and public official bonds.
United Fire Group Insurance Rates
The company doesn’t advertise their auto policies as being low-cost, and they are not a major player in the auto market. Combined with their sales through agents – which means commissions – it’s pretty unlikely that United will be among the least expensive insurance companies.
Of course, price isn’t the only thing that should matter when it comes to insurance. Good service combined with solid products can make a higher premium worthwhile. That balance has to be judged carefully and somewhat individually.
United Fire Group Insurance Claims Process
Ease of Filing a Claim
United Fire Group offers a convenient claims process that allows policyholders to file claims both online and over the phone. This flexibility ensures that customers can choose the method that suits them best. For those who prefer online filing, the company provides a user-friendly online claims form that can be accessed without the need to log in.
This can be particularly convenient for individuals who do not have or do not wish to create a policyholder account. On the other hand, for those who prefer the assistance of a representative, claims can also be filed over the phone by calling the toll-free claims line at 1-800-343-9131.
Average Claim Processing Time
The average claim processing time can vary depending on the complexity of the claim. United Fire Group is committed to handling claims efficiently and strives to provide timely resolutions to its policyholders. While specific processing times may not be readily available, the company’s dedication to quick and effective claim handling is reflected in its overall customer service.
Customer Feedback on Claim Resolutions and Payouts
United Fire Group Insurance has earned an A+ rating with the Better Business Bureau, demonstrating a commitment to customer satisfaction. In the past three years, there have been only five complaints on record, with two of them being resolved within the past 12 months.
This positive rating and minimal complaints suggest that customers are generally satisfied with the company’s claim resolutions and payouts. However, it’s important to note that customer experiences may vary, and individual cases can differ.
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United Fire Group Insurance Digital and Technological Features
Mobile App Features and Functionality
United Fire Group offers a mobile app that provides policyholders with convenient access to their insurance information and accounts on the go. While specific details about the app’s features and functionality are not provided in this review, it’s common for insurance apps to offer services such as policy management, claims filing, digital ID cards, and easy communication with the insurer.
The mobile app can enhance the overall customer experience by providing access to important insurance-related tasks from the convenience of a smartphone or tablet.
Online Account Management Capabilities
Policyholders of United Fire Group Insurance can manage their insurance policies and accounts through the company’s online portal. The online account management platform allows customers to view policy details, make payments, update personal information, and access important documents.
This digital convenience makes it easier for customers to stay informed about their coverage and make necessary adjustments as needed.
Digital Tools and Resources
While specific digital tools and resources offered by United Fire Group are not detailed in this review, insurance companies typically provide online resources to help customers better understand their coverage and make informed decisions.
These resources may include educational articles, FAQs, and tools for obtaining insurance quotes or estimating premiums. Customers can benefit from these digital resources when seeking information about their policies or exploring additional coverage options.
United Fire Group Insurance Consumer Research and Complaints
United Fire Group Insurance rating with the Better Business Bureau is an A+ and there are only five complaints on record in the past three years, two of which were closed in the past 12 months. The company has been accredited since 2014.
Due to the fairly recent merger with Mercer, it’s difficult to say for sure whether this file includes any complaints against that particular company.
The only other complaint we were able to find about this company came from a former employee, and had nothing to do with the company’s service or products. The lack of complaints across multiple common sites leaves a generally positive impression of this insurance company.
United Fire Group Insurance Financial Strength
Rating Company | Grade | Financial Outlook |
---|---|---|
AM Best | A | Stable |
Fitch | N/A | N/A |
S&P | N/A | N/A |
While United Fire Group is executing on an enterprise-wide strategic plan to improve operational and financial performance, it faces execution risk due to competitive market conditions and ongoing exposure to catastrophe events, which also could potentially result in continued pressure on balance sheet fundamentals. A.M. Best gave United Fire Group a negative Outlook.
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Online Presence
United Fire Groups website and other online services are available to both personal and commercial policyholders of UFG, excluding commercial surety and contract surety customers.
United Fire Group Insurance: The Bottom Line
United Fire Group is unlikely to be the least expensive insurance option for most people, but they offer a smaller company with a personalized agent approach to selling and servicing policies, and a good reputation to back it up.
The company has a solid product lineup that covers most bases, and is likely worth a look for anyone who values that personal touch but still wants online access to accounts and claims; while online quoting would be nice to see, United Fire Group does manage to strike a decent balance.
Now that you know everything about United Fire Group, are you ready to compare insurance quotes? Just enter your ZIP code below to get free quotes.
Frequently Asked Questions
What types of insurance does United Fire Group offer?
United Fire Group offers various insurance coverage options, including auto insurance, home insurance, business insurance, and life insurance.
How can I file an insurance claim with United Fire Group?
To file an insurance claim with United Fire Group, you can contact their claims department directly through their website or by phone. They will guide you through the claims process and provide you with the necessary forms and information.
What information do I need to provide when filing an insurance claim?
When filing an insurance claim with United Fire Group, you will typically need to provide details such as your policy number, the date and location of the incident, a description of what happened, and any supporting documentation or evidence.
How long does it take for United Fire Group to process an insurance claim?
The time it takes to process an insurance claim with United Fire Group can vary depending on the complexity of the claim. However, they strive to handle claims efficiently and aim to provide timely resolutions.
Can I manage my United Fire Group insurance policy online?
Yes, United Fire Group offers an online portal where policyholders can manage their insurance policies. Through the portal, you can view policy details, make payments, update personal information, and access important documents.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.