When you live your life day-to-day, you’re not thinking about all the things that could go wrong. However, in case they do, you find yourself lost, now knowing what to do. This is why it’s good to consider reaching out to some of the best insurance companies and setting up an insurance plan for your car, home, life, or business.
There are many insurance websites out there, and selecting the right one might be challenging. This is why we created a list of the top companies to choose from – even if you just want to secure your luggage when traveling.
6 Top Rated Insurance Companies
Travelers
Travelers has been around for over 165 years and has a reputation as one of the best casualty insurers in the industry. Travelers offers multiple types of insurance policies, with car insurance being one of them.
Key Features
- Liability coverage
- Uninsured motorist coverage
- Collision coverage
- Comprehensive coverage
Cigna
Being among the best health insurance companies, Cigna is globally oriented and focused on providing services in over 30 countries. Cigna has a global network of 1.5 million health care providers, clinics, and facilities. The company also has connections with over 99% of all US pharmacies.
Key Features
- Health insurance for individuals and families
- Dental insurance plans
- Medicare plans
- Medicare supplement plans
Haven Life
Haven Life is one of the best insurance company sites for life insurance. The company offers an easy way to digitally purchase affordable life insurance. Haven Life insurance is issued by MassMutual – one of the oldest insurers in the US.
Key Features
- Haven Term
- Haven Simple
- Haven Disability
- AgeUp
Allstate
Allstate offers an array of insurance policies through multiple brands and distribution channels. Allstate was founded in 1931, and today it’s one of the largest publicly held personal lines insurers. Allstate’s homeowners insurance is packed with benefits as this is one of the top insurance companies for homeowners.
Key Features
- Dwelling coverage
- Liability
- Personal property
- Guest medical
World Nomads
World Nomads is a team of people who are passionate about travel. The company was founded in 2002 to help its customers explore the world. It’s on the list of the best rated insurance companies regarding travel insurance policies.
Key Features
- Terrorist attacks
- Assault
- Death overseas
- Delayed baggage
Chubb
Chubb is the world’s largest publicly traded P&C insurance company. It’s also among the leading commercial lines insurers in the US. Chubb operates in 54 countries and provides a variety of insurance policies to a diverse group of clients.
Key Features
- Risk engineering services
- Account management
- Global risk advisors
- ESIS
List of the Leading Insurance Companies – Reviews 2022
Travelers
Essential Features
- Liability coverage
- Uninsured motorist coverage
- Collision coverage
- Comprehensive coverage
Additional Features
- Personal injury protection
- Medical payments
- Rental coverage
- Roadside assistance
Overview
Travelers offers a user-friendly website where you’ll find all crucial information about a car insurance policy. The policies are available in most states, and you can get your quote via an online quoting tool. Travelers is among the best car insurance companies you could consider for your car insurance.
Quotes and Discounts
Location is the primary factor that affects your premium. Also, keep in mind that you’ll have to pay a car insurance deductible – the lower your deductible, the less you’ll pay out of pocket in case of an incident. You can discuss this with your local agent before signing the paperwork.
Regarding discounts, this is one of the cheap insurance companies that lets you bundle your home and car insurance. With the multi-policy deal, you can save up to 10% on your quote. Note that you could also bundle car and renters insurance.
Most Prominent Coverages
Besides the standard coverages, Travelers provides additional options you can include in your car insurance policy. For example, you could get a loan/lease gap insurance that protects you if your vehicle is financed or leased.
What’s more, Premier New Car Replacement provides extra coverage. For example, if you total your new car in the first five years, this coverage helps you replace it with a brand new car of the same make and model.
Customer Support
Being among the top insurance companies in the USA, Travelers has a user-friendly platform where you can get in touch via the Contact Us section, where you’ll find the phone numbers for the sector you need. Overall, customer reviews are positive.
Our Verdict
Travelers seems to offer a decent car insurance policy. You’ll have all the necessary coverage and then some to keep you fully protected in case of an accident. According to its current customers, this company will fulfill its promises.
Cigna
Essential Features
- Health insurance for individuals and families
- Dental insurance plans
- Medicare plans
- Medicare supplement plans
Additional Features
- Affordable plans
- 24/7 availability
- Personalization
- Reward feature
Overview
If you’re looking for the best health insurance companies, Cigna is worth considering. Cigna is available internationally and can do more than just provide a health insurance policy. Still, it’s not available in all US states, so make sure you check if your location is on the list.
Quotes and Discounts
Cigna provides a great package of health care services, together with health insurance for individuals and families. In addition, the company can help you get the most out of your health care with $0 for virtual care, preventive care, and only up to $3 for generic prescription drugs.
To get your quote, call the number on the homepage or use an online tool to submit your information. You’ll also see your monthly premium savings, compare it with other health insurance companies, and get support right on the spot.
There are also Control Rewards – points that you earn for preventative measures and exams.
Most Prominent Coverages
The Cigna website is packed with various insurance plans and health care offers, and it’s not as easy to find specific coverages you’ll get in your policy. Still, we found there are three plans:
- Health Maintenance Organization (HMO) – a network of local doctors and hospitals to choose from, with a lower monthly premium
- Preferred Provider Organization (PPO) – a large network of doctors and hospitals to choose from, with higher out-of-pocket costs
- Exclusive Provider Organization (EPO) – a network of local doctors and hospitals but more pocket-friendly than PPO
Customer Support
Cigna is among the major health insurance companies that unfortunately had poor customer support, based on the latest customer reviews. Customers usually complain about staying on hold and having problems with canceling their plans. Still, if you have issues with your policy, contact the team via the phone number listed in the Contact Us section on the website.
Our Verdict
Cigna is an international health insurer that offers great policies at reasonable prices. You can also sign up for Medicare, dental insurance, and other supplemental insurance to be completely covered in case of any health problems. Still, this top rated insurance company could be more transparent about discounts.
Haven Life
Essential Features
- Haven Term
- Haven Simple
- Haven Disability
- AgeUp
Additional Features
- Nationwide
- Digital application
- Accelerated death benefit
- No obligation free-look period
Overview
Haven Life offers a fast online application process that removes medical exams for the applicants that qualify. The company has a high user satisfaction rating and is backed by MassMutual – one of the top life insurance companies in the US.
Quotes and Discounts
Your quote will depend on your age, location, health status, term length, and desired amount of coverage. For example, a Haven Term policy with a $250,000 coverage for 20 years will start at just $14.99/month.
According to another review we saw online, you might qualify for a 15% discount for any single CVS MinuteClinic Service. However, you’ll also have access to an online will creation tool, an audio-based fitness app, and a program that helps you beat jet lag.
Most Prominent Coverages
At the moment, Haven Life is among the best life insurance companies even though it offers a limited amount of policies. The two most crucial policies are Haven Term and Haven Simple.
Haven Term might require a medical exam, has nationwide availability, and coverage amount of up to $3 million.
Haven Simple doesn’t require a medical exam, is not available nationwide, and has a coverage amount of up to $500,000.
Both policies can be purchased online.
Customer Support
If you want to know more about Haven Life policies, you can contact customer support by submitting a form or calling the number written on the Contact Us section. While it’s among the new insurance companies, Haven has a high customer service rating, and customers seem happy with the service.
Our Verdict
If you’re looking for a decent life insurance provider, Haven Life should be on your list of companies to check out. Still, you may find that its policies are somewhat limited. However, you can submit your request online and save time, which is a huge plus.
Allstate
Essential Features
- Dwelling coverage
- Liability
- Personal property
- Guest medical
Additional Features
- Personal umbrella policy
- Manufactured home insurance
- HostAdvantage
- Flood insurance
Overview
Allstate is among the best home insurance companies. It offers a complete homeowners insurance policy that’s enough to keep your home protected against the most common perils. In addition to comprehensive coverage, Allstate provides decent discounts and a great mobile app.
Quotes and Discounts
To get your personalized quote, you should reach out to a local agent or use the online tool to enter your zip code and receive an offer. Know that the cost of your insurance will depend on the type of policy, add-ons, deductibles, home value, and other factors. Still, Allstate is known for slightly higher insurance premiums.
However, being on the list of the largest insurance companies in the US, Allstate offers a great set of discounts to help you save:
- Multi-policy
- Responsible payment
- Claim-free
- Welcome bonus, and more
Most Prominent Coverages
Allstate coverages are divided into standard type and optional coverage. The standard type includes:
- Coverage for the physical structure of your home
- Coverage for personal belongings
- Liability protection
- Medical expenses if someone gets injured on your property
These are the crucial coverages every homeowners policy must provide to keep you and your home fully protected. What’s more, Allstate is one of the rare insurers that provides policies for manufactured homes.
Customer Support
Allstate is ranked as the best home owners insurance company, yet the customer service reviews are low. Unfortunately, some customers stated that the customer service rep was unpleasant to deal with. If you have any issues, you can reach out to Allstate via call or log in to your account for 24/7 access to help.
Our Verdict
Allstate is definitely worth considering for a homeowners insurance policy. However, we believe the company should work on its customer support. Keep in mind that your policy might be costly, yet Allstate has a set of discounts to help you save. Unfortunately, Allstate policies are not available nationwide, which might make you look for other good insurance companies.
World Nomads
Essential Features
- Terrorist attacks
- Assault
- Death overseas
- Delayed baggage
Additional Features
- Overseas dental
- Medical
- Trip cancellation
- COVID-19 insurance
Overview
World Nomads travel insurance policy covers over 200 activities. This travel insurance policy is ideal for independent travelers who don’t want to think about what could go wrong on their journey. This insurance policy is underwritten by Nationwide.
Quotes and Discounts
Being on the list of the best travel insurance companies, World Nomads will provide you with a quote after you fill in the details about your trip:
- The country you’re visiting
- When you’ll be traveling
- Your country of residence
- How many people are going with you
Keep in mind that benefits may vary and that you might not be eligible for some coverage, depending on your selected plan.
In addition, there are no known discounts on the official website. However, you might be able to find coupon codes to save some money on your travel insurance policy.
Most Prominent Coverages
We included World Nomads on our insurance companies list because it offers coverage for the things you might not even think about. Besides some classic coverages for a trip interruption or cancellation, you could get covered for terrorism or gear and baggage.
Regarding COVID-19 coverage, know that your policy will include benefits for serious illnesses such as COVID-19. The coverage may also involve solutions in case you’re being placed in quarantine.
Customer Support
When it comes to customer service, you can reach out to World Nomads via Contact Us page. There’s also a Help Center to answer your most common questions. User reviews for customer service are average.
Our Verdict
If you’re looking for top rated insurance companies for travel policies, you should consider World Nomads. Its policy has comprehensive coverage that even includes COVID-19. In addition, you’ll enjoy coverage for over 200 activities in over 20 destinations.
Chubb
Essential Features
- Risk engineering services
- Account management
- Global risk advisors
- ESIS
Additional Features
- Multi-industry support
- Accident and health
- Commercial general liability
- Cyber services
Overview
Chubb is among the best business insurance companies that offer business insurance policies to any type of business. Chubb’s policies are applicable across industries and cover more than just general liability, workers compensation, commercial auto, and similar. This makes Chubb a favorite insurer for small businesses.
Quotes and Discounts
As with any other insurance company, you’ll have to find an agent to get your quote. If you’re a US resident located outside of the US and want to purchase Chubb insurance, get in touch via [email protected].
The average annual premiums for small businesses could range from $400 to $600 per year for general liability or $0.25 to $1,000 for product sales. Contact Chubb to compare the costs between the best commercial insurance companies and select the right coverage.
Regarding discounts, Chubb offers home business deals to help you save on your premium.
Most Prominent Coverages
Chubb provides a complex array of coverages that include, but aren’t limited to:
- Equipment breakdown
- Commercial vehicle coverage
- Preventing water damage
- Construction safety
- Sustainability consulting, and more
Almost any business in any industry could benefit from this insurance policy since Chubb covers the following industries:
- Aerospace
- Agriculture
- Clean tech
- Education
- Financial
- Food
- Entertainment, etc
Chubbs is one of those insurance companies that can help protect almost any business.
Customer Support
If you have questions about business insurance, you can reach out to Chubb via a contact form. To find an agent, use Find an Agent tool on the website. Still, according to the latest customer reviews, Chubb’s support team could improve its services and show support to customers.
Our Verdict
Chubb definitely seems like a decent insurer for small businesses. It offers a wide coverage across industries. The best thing about Chubb is that it’s focused on cyber security as well as other standard business-related issues.
How to Select the Best Insurance Companies?
Life is full of surprises, and selecting the right insurance home can prevent simple accidents from becoming total disasters. However, selecting the right insurer is tough, considering how many are on the market.
Types of Insurance You Need
There are several types of insurance policies to consider when looking to secure yourself and the things you own. Life insurance protects your most valuable asset, while a home insurance policy gives you peace of mind even when the storm hits. If you travel, you’ll need travel insurance, and it never hurts to have health insurance to cover accidental injuries.
Additional Coverage Besides the Standard Policy
Many insurance companies will offer multiple types of insurance policies and additional features within those policies. For example, homeowners policies should always include dwelling coverage. However, flood coverage might be a great additional option to include in your insurance.
Throw a Glance at Their Customer Support
Since insurers promise to protect your most valuable items, they must provide the best possible support. Check on the reviews online to see how other people dealt with the support reps and whether they were satisfied.
Consider the Price Range
Unfortunately, even the best insurance companies can’t post their prices on their websites. This is mainly because your final quote depends on multiple factors, such as your location, age, the state of your home, and the preferred coverage option. This is why you’ll likely have to reach out to an agent to discover your premium.
Wrapping Up
It can take a lot of effort to find the right insurer. After all, there are many things to insure – your life, home, car, or personal belongings, and not all companies offer the same coverage for all your needs.
However, one thing is certain – you’ll probably find a few insurance homes that will provide several policies that can keep all the things you love safe.
People Also Ask
Finding the best insurer in the industry is not as easy as you think. It all depends on whether the insurance company offers multiple types of policies or it’s focused on only one offer. If you were to Google, you’d likely get State Farm as the best insurer overall.
Still, if you were to look based on the specific policies, you’ll get different results. For example, Northwestern Mutual might pop up as the best life insurer, or Chubb might appear as the best business insurance platform.
At the moment, the insurer with the highest customer satisfaction is USAA, especially for car insurance. According to the customer reviews, USAA has an easy process for filing a claim and frequent updates on the status of claims.
However, even though USAA only offers its services to military personnel and veterans. Still, it’s considered one of the best insurance companies in the US.
