Last Updated: 04/18/2025
SuperMoney User Recommendation Score -75
Strongly not recommended12 total votes
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Highlights
Community Rating
Strongly not recommended
Financial Strength Rating
A-(Verified 04/18/2025)
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Home and Renters Insurance Riders
- Earthquake Coverage
- Identity Theft Protection
- Sewage and Drain Backup Coverage
- Valuable Items
Home and Renters Insurance
- Guest Medical Protection
- Renters Liability Coverage
- Personal Property Protection
- Reimbursed Living Expenses
Number of Reviews
Assurant Renters Insurance Review
Assurant Renters Insurance is an insurance carrier based in New York, NY. The company was founded in 1892 and offers renters insurance in 50 states (and Washington, DC).
Assurant Renters Insurance FAQ
What is the financial strength rating of Assurant Renters Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
Assurant Renters Insurance scores an A- financial strength rating. Insurance companies with this score show an excellent ability to cover their insurance responsibilities.
What types of coverage does Assurant Renters Insurance offer?
Renters insurance includes a wide range of coverages. One of the best ways to save money on your policy is to only pay for the coverage you need. Assurant Renters Insurance offers the following types of renters insurance coverage:
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Personal Property Protection:
This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
Renters Liability Coverage:
If a claim is made against you or you are sued as a result of a covered occurrence, your renters personal liability coverage can help to cover the associated legal costs and related damages. For example, if a visitor accidentally trips and falls in your apartment and breaks a leg, your renters insurance policy may be able to help protect you.
Assurant Renters Insurance customers can also add the following riders or endorsements to their renters insurance policies:
Earthquake Coverage:
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Sewage and Drain Backup Coverage:
This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from our editor
What we love about Assurant Home & Renters Insurance
Assurant Home & Renters Insurance offers some unique benefits that other insurers do not. For example, it gives customers the option to add unemployment coverage to their renter’s insurance plan. If you lose your job, this coverage will help you make rent payments to your landlord.
Assurant also offers coverages such as pet damage, identity fraud coverage, and sewer backup protection, which lets you get more protection from a single insurance policy.
With Assurant Home & Renters Insurance policies, you have a lot of flexibility to choose things like the coverage limit and deductible, so you can customize your monthly bill.
What could Assurant Home & Renters Insurance do better?
Assurant Home & Renters Insurance tends to be more expensive than many of its competitors, so if you’re looking for the least expensive insurance available, you’ll want to look elsewhere.
The company also has mixed customer satisfaction levels, especially when it comes to customer service. When you’re dealing with insurance, the last thing you want is to be fighting with the insurance company while trying to deal with major damage to your home, so this may give potential customers some pause.
Assurant Home & Renters Insurance’s backstory
Assurant got its start in 1892 as the LaCrosse Mutual Aid Association, offering disability insurance out of La Crosse, Wisconsin. The company later became the Time Insurance Company before becoming part of Assurant. The company is a global player in the insurance industry and has more than $30 billion in assets.
The Verdict
Assurant Home & Renters Insurance offers the protection that you need plus the option to add some unique additional protections. However, its high cost and mixed customer ratings mean that you may be able to find a better deal elsewhere.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -75, or 1.5 on a 5-point rating scale.
-75
-1000+100
No one recommends
Everyone recommends
Assurant Renters Insurance Community Reviews
Would you recommend Assurant Renters Insurance to your friends?
JZ
Jammie Z.
Dec 2, 2023
May or may not recommend
I have had renters insurance for 10 years through State Farm and my current apartment complex is requiring proof of renters insurance of a certain amount. I have uploaded documentation to Assurant and my apartment complex several times but I keep getting charges on my renters account which I refuse to pay. I feel like I have been harassed for months. I will not pay them. I will take them ...Show More
U
Anonymous
Jun 1, 2023
May or may not recommend
The leasing company for my apartment apparently uses Assurant for their own insurance purposes. Even though I use State Farm for renter's insurance, Assurant quickly became my problem too. Firstly, Assurant did not communicate to my leasing company that the "Mortgagee and Additional Interests" field needed to be completed by outside insurance companies when providing renter's insurance. This requirement was not listed anywhere on the lease or in the Assurant insurance portal. Secondly, Assurant's ...Show More
U
Anonymous
May 10, 2023
May or may not recommend
I purchased renters insurance through Geico and had to file a renters insurance claim. Only to be transferred over to assurant renters insurance. 0/10 does not recommend. I am currently in search of an attorney to assist me with my theft claim. I filed a theft claim on March 29th, from an accident on March 28th. I had to initially reach out to my adjuster, because no one reached out ...Show More
EO
Eva O.
Jan 23, 2023
May or may not recommend
My home flooded on 12/24/22 in which much of my property was damaged. An adjuster came all documents were submitted yet they kept sending emails as if they didn't received proof of damages. I have been with this company for years so I am not new I just purchased a new policy. I have placed many calls, texts and emails concerning my claim and I are still waiting for a ...Show More
Chase W.
Jan 4, 2023
May or may not recommend
Over Thanksgiving our apartment was broken into and much of our property was stolen. I filed the claim on November 28th. It took a few attempts to file because their website crashes right at the end of submitting everything. I was expecting to be reached out to within "approximately 2 business days" as the website states, but it's been over a month now and still haven't heard anything. I've called ...Show More
Tanya L.
Oct 18, 2022
May or may not recommend
The last thing you want to do after a loss, is deal with Assurant. We had a break in, and most of our stuff was stolen. Called Assurant to report it. The rep's English was bad, she kept saying "unfortunately you do not have a valid claim". After about half an hr, she finally realized thar she misunderstood something, and we did have a valid claim. I ...Show More
U
Anonymous
Jul 12, 2022
May or may not recommend
Worst Insurance company ever. Never can talk to anyone due to them saying they are upgrading. I'm still waiting for feedback on a claim I file on 6/12/22 and its 7/12/22, Sad conpany and adjuster is unresponsive.
U
Anonymous
Apr 27, 2021
May or may not recommend
While I've been with it's parent company Geico for years, if Assurant is based on their horrible website, I would not recommend them. Their website would not work, it gave me an error message, and oh yes, then CANCELLED MY POLICY for no reason whatsoever. Also in my bank statments, the extremely vague "Condo co. - Florida" vendor name was enough to make me notify my bank that I was ...Show More
KL
Kevin L.
Feb 28, 2021
May or may not recommend
I used assurant for a little less than a year. We had no claims so I can't speak to that. But they were cheaper than State Farm, they didn't blow up my email, and when we decided to move on to something else, the cancelation process was simple and straightforward.
HM
H M.
Jul 27, 2019
May or may not recommend
Geico partners with Assurant. I tried to set up renter’s insurance through Geico and it turned out they set it up under Assurant. It was a horrible experience. It’s next to impossible to get in touch with a live agent, your sent from one robo message to another on the phone and can experience 1-2 hour wait times....only to be told you need to make changes through their website. Assurant’s ...Show More
MT
Mary T.
Mar 3, 2018
May or may not recommend
I am deeply dissappointed with Assurant's claim process. They are hard to reach and noncommunicative at best. Several phone calls and emails go unresponded. We waited over 3 weeks to even have an inspector come and check out our water damaged apartment due to a spontaneous sprinkler pipe burst - which lead to mold growing in our home. They randomly misvalue your items and then depreciate them on top of ...Show More
Jamar M.
Oct 18, 2017
May or may not recommend
Assurant Renters Insurance company supplies dedication to the customer and their needs.
Showing 12 of 12 reviews
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