California Casualty Insurance coverage Firm Evaluation


Here is the Scoop

  • California Casualty affords over a dozen insurance coverage merchandise in all states besides six
  • This firm sells insurance coverage to lecturers, nurses, firefighters, and legislation enforcement officers
  • Prospects usually depart constructive critiques, and the Higher Enterprise Bureau offers them an A+

Some corporations deal with promoting a selected kind of insurance coverage to hone their course of and provide a streamlined product. Others forged a large web of merchandise so they could be a one-stop-shop for his or her prospects.

California Casualty is among the latter. Catering completely to lecturers, firefighters, cops, and nurses, California Casualty desires to rejoice the individuals who help their communities. With over a dozen merchandise starting from basic automobile insurance coverage to snowmobile protection, it has one thing for everybody.

You’ll be able to discover what California Casualty has to supply under. If this firm looks as if a very good match to your wants, you possibly can evaluate quotes with different corporations to make sure you get the most effective charges doable.

What’s California Casualty Insurance coverage firm?

Based in 1914, California Casualty’s identify is a bit of deceptive. It sells insurance coverage merchandise all through the U.S. apart from in Washington, New York, Massachusetts, Hawaii, Michigan, and Alaska.

California Casualty has a selected mission of promoting insurance coverage. It desires to guard those that serve their native communities. To that finish, California Casualty sells completely to firefighters, legislation enforcement officers, nurses, and educators.

This California-based firm sells a wide range of insurance coverage merchandise, which you’ll find out about under.

California Casualty Automotive Insurance coverage

As a automobile insurance coverage supplier, you should purchase the usual protection merchandise discovered by most rivals. These embody:

  • Legal responsibility. Legal responsibility insurance coverage covers harm you trigger to different individuals and property. Most states require a minimal quantity of legal responsibility protection earlier than you possibly can legally drive.
  • Collision. Whereas legal responsibility covers harm you trigger to different individuals, collision covers harm executed to your automobile in an accident. Collision covers you regardless of who causes the accident.
  • Complete. This protection protects your automobile from harm outdoors of accidents. This consists of harm from hearth, climate, theft, vandalism, and animal contact.
  • Underinsured/underinsured motorist. Whereas most states require drivers to hold insurance coverage, not all drivers obey the legislation. Uninsured/underinsured motorist protects you from drivers with insufficient insurance coverage.
  • Medical funds. Being injured in a automobile accident comes with massive medical payments. If you buy medical funds protection, your insurance coverage will assist pay for it.

Whereas these are the usual forms of insurance coverage, California Casualty affords a number of add-on choices to extend the worth of your coverage. They’ve add-ons crafted particularly for neighborhood servants, particularly for firefighters and cops. These embody:

  • Turnout gear and firearms protection. In case your firefighting or legislation enforcement gear is stolen, broken, or destroyed in your automobile, California Casualty will restore or change it.
  • Pet damage. So long as the incident is roofed, California Casualty will assist pay for vet payments in case your pet is injured.
  • Customized or non-factory tools. Folks typically take pleasure in upgrading or customizing their vehicles, however insurance coverage normally doesn’t cowl customized components. Nevertheless, this function will cowl non-factory components.
  • GAP protection. Should you whole a brand new automobile, you would possibly owe extra in your mortgage than the automobile is value. GAP protection pays the distinction between your mortgage and the worth of your automobile.

Within the spirit of celebrating neighborhood servants, California Casualty additionally affords sabbatical return advantages and a fallen hero/fallen survivor profit.

California Casualty Dwelling Insurance coverage

For educators, nurses, firefighters, and cops, California Casualty could be the most effective dwelling insurance coverage choice on the market.

California Casualty affords the standard suite of insurance coverage choices, together with:

  • Dwelling. This portion of your coverage protects the bodily construction of your house, together with the partitions, roof, and basis. It additionally covers freestanding buildings like garages and fences.
  • Legal responsibility. If a visitor is injured in your property, they will sue you for those who’re answerable for the incident. Legal responsibility helps pay to your authorized charges in case you are sued.
  • Private property. There’s much more that makes your own home a house than partitions and a roof. Private belongings akin to home equipment, furnishings, and even clothes could be changed via your insurance coverage.
  • Dwelling bills. If your house is broken to the purpose it’s unlivable, California Casualty will reimburse you for lodging and meals prices whilst you watch for repairs.

As with its automobile insurance coverage, California Casualty affords a number of add-ons meant to rejoice the work of neighborhood servants. These embody:

  • Off-duty weapons theft. In case your personally-owned off-duty weapons are stolen out of your property, you possibly can rise up to $5,000 to switch them.
  • Fallen hero/fallen officer survivor. If a firefighter or police officer dies within the line of obligation, their household will obtain a demise profit.
  • Faculty violence demise survivor. With elevated violence on American campuses, an educator’s household will obtain a demise profit if they’re killed in an assault throughout college hours.

California Casualty additionally covers misplaced baggage, debit or bank card fraud, private property for educators, and educators extra legal responsibility.

Different Varieties of Insurance coverage From California Casualty

Insurance coverage is among the greatest issues you will get to guard the issues that matter in your life. With that in thoughts, California Casualty affords an extended checklist of insurance coverage merchandise:

  • Motorbike. Just like normal auto insurance policies, motorbike insurance coverage is tailor-made with bikes in thoughts. Most states require motorbike insurance coverage to drive.
  • Mexico journey. Should you plan on driving to Mexico, your American insurance coverage gained’t work south of the border. California Casualty works straight with Mexican insurance coverage businesses to make sure you have the protection you want.
  • Apartment. Apartment house owners want safety much like owners, however there are distinctive variations that this plan accounts for.
  • Basic automobile. Not like fashionable vehicles, basic vehicles are an funding, and your insurance coverage coverage ought to defend them as such.
  • Snowmobile. They could be leisure automobiles to most, however California Casualty takes their safety critically. You’ll find most of the similar forms of protection for snowmobiles as you’ll with a automobile.
  • Private umbrella. In case your legal responsibility insurance coverage runs out earlier than your authorized payments are paid, you’ll be caught with the invoice. Nevertheless, a private umbrella plan takes over after legal responsibility ends to cowl authorized prices.
  • Boat. California Casualty’s boat insurance coverage protects the watercraft and your friends.
  • Renters. You don’t should personal a house to get safety to your belongings. Renters insurance coverage protects your private property and is normally extremely reasonably priced.

This can be a small choice of the insurance coverage choices you should buy via California Casualty. You’ll be able to study extra about their protection choices by talking with an agent.

Enter your ZIP code under to view corporations which have low cost insurance coverage charges.

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How a lot does California Casualty price?

Drivers ought to count on to pay extra for protection via California Casualty. The corporate embraces its steeper costs with the philosophy that peace of thoughts is value the fee.

Though California Casualty costs are about 30% greater than the nationwide common, it does provide plenty of reductions to assist carry the value again down. These embody:

  • Bundling
  • Multi-car
  • Faculty graduate
  • Good pupil
  • Mature driver
  • Non-smoker
  • Security and security measures
  • Retired

Once more, That is solely a pattern of the options California Casualty affords. Once you join a coverage with this firm, an agent will comb via your particulars to ensure you get each low cost doable.

California Casualty Evaluations

California Casualty’s mission is to help lecturers, nurses, and different neighborhood servants, and it appears to be carrying out that aim comparatively properly. Most buyer critiques are constructive.

Pleased policyholders state that they are going to be California Casualty prospects for all times and that they recognize the particular care taken with their wants. Whereas they just like the aggressive costs, they love the popularity of the companies they carry out for his or her communities.

California Casualty performs annual coverage critiques to make sure prospects nonetheless want the protection they initially purchased. Many purchasers talked about the evaluate and stated it saved them cash on their insurance coverage.

Folks principally report that the claims course of is lightning quick, and there are not any points getting claims paid.

Adverse critiques are more durable to seek out. Those that do exist principally point out issues with canceling insurance policies.

For skilled ranking companies, the Higher Enterprise Bureau offers California Casualty an A+, although there are a number of complaints listed on the location. A.M. Finest, which charges corporations on their monetary safety, offers this supplier a BBB-.

Discover the Finest Automotive Insurance coverage for Your Wants

Though you have to be a trainer, nurse, firefighter, police officer, or different neighborhood servant to be eligible, California Casualty could be the best choice for you for those who qualify. California Casualty has merchandise for nearly any insurance coverage want.

Even for those who’re all for a quote for California Casualty insurance coverage, you must nonetheless store for charges from different corporations. Whereas most prospects are glad they went with California Casualty, there could be higher charges for you.

Enter your ZIP code under to view corporations which have low cost insurance coverage charges.

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Editorial Tips: We’re a free on-line useful resource for anybody all for studying extra about insurance coverage. Our aim is to be an goal, third-party useful resource for every little thing insurance coverage associated. We replace our website frequently, and all content material is reviewed by insurance coverage specialists.

Ashley Dannelly has a Grasp of Arts in English and teaches English at Columbia Worldwide College and different greater training establishments. She can also be a licensed private coach with the American Council on Train and trains shoppers in each particular person and group settings.
Ashley’s background in English and health has allowed her the chance to jot down and create content material for a lot of …

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Written by

Ashley Dannelly
College Professor and Private Coach
Ashley Dannelly

Rachael Brennan has been working within the insurance coverage trade since 2006 when she started working as a licensed insurance coverage consultant for twenty first Century Insurance coverage, throughout which era she earned her Property and Casualty license in all 50 states.
After a number of years she expanded her insurance coverage experience, incomes her license in Well being and AD&D insurance coverage as properly. She has labored for small well being insu…

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Reviewed by

Rachael Brennan

Licensed Insurance coverage Agent

Rachael Brennan


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