Personal Property Insurance Companies

  • Personal Property Insurance Companies

Personal Property Insurance Companies

What sort of information is your personal property insurance company relying on to determine your insurance rates?
Every company wants to minimize its risks. Personal property insurance companies know all about risk and use background check reports and consumer credit reports to minimize their risks. But when those reports are inaccurate, the impact and cost to you can be huge. Find your company on our comprehensive list and learn what you can do about it.

Technology has made storing, accessing, transferring, distributing, compiling, and selling a person’s personal data a common occurrence. Industries that previously couldn’t do background checks, credit checks, driving history checks, and rental history checks on potential customers due to cost can now run all those checks and easily get reports on potential customers.

Personal property insurance companies are one of those industries that now regularly do background checks.

A personal property insurance company or personal property insurance agency is a company that insures your personal possessions. Personal property insurance companies provide financial protection against loss or damage due to things like theft, fire, vandalism, or natural disasters. People seeking personal property coverage are often renters seeking peace of mind for their belongings. Anyone applying to obtain insurance for their personal belongings must often submit to a background check. They then wait for approval and, if approved, their insurance rates. Too often, background check errors result in increased rates or the outright denial of insurance coverage.

Main Personal Property Insurance Agency

Here is a list of property insurance companies in the United States.

  1. 21st Century Insurance
  2. Acuity Insurance
  3. Aflac
  4. AIG (American International Group)
  5. Allianz Life
  6. Allied Insurance
  7. Allstate
  8. American Automobile Association (AAA)
  9. American Family Insurance
  10. American Income Life Insurance Company
  11. American National Insurance Company
  12. American Strategic Insurance (ASI)
  13. Ameriprise Auto & Home Insurance
  14. Ameriprise Financial
  15. Ameritas Life Insurance Company
  16. Amica Mutual Insurance
  17. Amtrust Financial Services
  18. Applied Underwriters
  19. Arbella Insurance Group
  20. Assurant
  21. Assurity Life Insurance Company
  22. Auto-Owners Insurance
  23. AXA Equitable Life Insurance Company
  24. Bankers Life and Casualty Company
  25. Berkshire Hathaway
  26. Brotherhood Mutual Insurance Company
  27. CareSource
  28. Chubb Corp
  29. Citizens Property Insurance Corporation
  30. CNA Financial
  31. CNO Financial Group
  32. Colonial Life & Accident Insurance Company
  33. Combined Insurance
  34. Commerce Insurance Group
  35. Country Financial
  36. Country Insurance
  37. Delta Dental
  38. Encompass Insurance Company
  39. Erie Insurance Group
  40. Esurance
  41. Evergreen USA RRG
  42. Farmers Insurance Group
  43. Federated Mutual Insurance Company
  44. First Insurance Company of Hawaii
  45. FM Global
  46. GAINSCO
  47. GEICO
  48. General Re
  49. Genworth Financial
  50. Gerber Life Insurance Company
  51. Globe Life And Accident Insurance Company
  52. GMAC Insurance
  53. Gracy Title Company
  54. Grange Mutual Casualty Company
  55. Guardian Life Insurance Company of America
  56. GuideOne Insurance
  57. Hagerty Insurance Agency
  58. Hanover Insurance
  59. The Hartford
  60. HCC Insurance Holdings
  61. Hiscox Small Business Insurance
  62. Horace Mann Educators Corporation
  63. Ironshore
  64. K&K Insurance
  65. Kansas City Life Insurance Company
  66. Kemper Corporation
  67. Knights of Columbus
  68. Lemonade (insurance)
  69. Liberty Mutual
  70. Lincoln National Corporation
  71. Manhattan Life Insurance Company
  72. Markel Corporation
  73. MassMutual
  74. Merchants Insurance Group
  75. Mercury Insurance Group
  76. MetLife
  77. Metromile
  78. Modern Woodmen of America
  79. Mutual of Omaha
  80. National Flood Insurance Program
  81. Nationwide Mutual Insurance Company
  82. New Jersey Manufacturers Insurance Company
  83. New York Life Insurance Company
  84. NJM Insurance Group
  85. Norfolk & Dedham Group
  86. Northwestern Mutual
  87. Omega
  88. Oxford Health Plans
  89. Pacific Life
  90. PEMCO
  91. Penn Mutual
  92. Penn National Insurance
  93. Philadelphia Contributionship
  94. Philadelphia Insurance Companies
  95. Physicians Mutual
  96. Primerica
  97. Principal Financial Group
  98. Progressive
  99. ProSight Specialty Insurance
  100. Protective Life
  101. Prudential Financial
  102. Pure Insurance
  103. QBE
  104. Regence Group
  105. Reliance Insurance Company
  106. Reliance Partners
  107. RLI Corp.
  108. Safe Auto Insurance Company
  109. Safeco
  110. Safeway Insurance Group
  111. Securian Financial Group
  112. Sentry Insurance
  113. Shelter Insurance
  114. Society Insurance
  115. Southern Aid and Insurance Company
  116. SquareTrade
  117. Standard Insurance Company
  118. State Automobile Mutual Insurance Company
  119. State Farm Insurance
  120. Sun Life Financial
  121. Symetra
  122. The General
  123. The Travelers Companies
  124. TIAA
  125. Titan Insurance Company
  126. Transamerica Corporation
  127. Tricare
  128. Trupanion
  129. UPC Insurance
  130. Unum
  131. USAA
  132. West Coast Life
  133. Western & Southern Financial Group
  134. Western Mutual Insurance Group
  135. Westfield Insurance
  136. White Mountains Insurance Group
  137. XL Catlin
  138. Zurich Insurance Group

Information on Personal Property Insurance Companies

Many of the top property insurance companies and best-rated property insurance companies offer insurance bundling. Insurance bundling involves combining multiple policies, like auto and home insurance, with one provider to simplify management and often secure discounted premiums. In such instances, a property and casualty insurance agency might offer life, automobile, personal property, and homeowners insurance. In such cases, a background check will include credit history, driving history, and rental history. They do this to:

  • Evaluate the risk level associated with insuring an individual or entity.
  • Determine appropriate premium rates based on the risk profile.
  • Identify and prevent potential fraudulent activities or claims.
  • Ensure adherence to legal and regulatory requirements regarding policy issuance.
  • Gather accurate information for underwriting decisions, ensuring policies are issued based on correct data.
  • Assess the applicant’s claims history, which might indicate future risk.
  • Evaluate financial stability and responsibility, especially for insurance policies like life or health insurance.
  • Identify any criminal activities that might affect the policy terms or eligibility.
  • For auto insurance, verify driving licenses and check for any violations or suspensions.
  • For property insurance, assess the condition and value of the insured property.

As credit report attorneys, we see the consequences of errors in background checks too often. Consumers who are denied insurance suffer the financial losses that insurance coverage is designed to prevent. Additionally, they suffer mental and emotional damage, anxiety, reputational damage, and other non-economic damages. Those approved for insurance but with rates based on erroneous information in background check reports pay higher rates. Over a lifetime, higher monthly insurance rates can really add up.

Even the most prominent and largest property insurance companies and property insurance company ratings leaders can engage background check companies that provide inaccurate reports. While the credit reporting agencies are likely liable for the inaccurate information on their reports, the Fair Credit Reporting Act (FCRA) also imposes requirements on the property insurance companies who use those reports. Property insurance companies can also face liability if those FCRA-mandated requirements are not met.

If you have applied for personal property with any of the above personal property insurance companies and been the subject of a background check that had errors in it, contact a lawyer for consumer protection.

Consumer protection is about protecting consumers in all aspects of consumer life. Our attorneys have decades of experience fighting on behalf of consumers who have had economic or non-economic damages from the carelessness or outright disregard of consumer reporting agencies and background check companies. We know the laws of consumer reporting and how they impact personal property insurance.

If you have recently interacted with a personal property insurance company and been denied insurance, received rates that were too high, or otherwise been wronged by a credit report or background check error, contact us. We want to help you.

Call us at 1-877-615-1725. Email us at [email protected]. Visit our website and chat with a live representative online or fill out a contact form and we will contact you. Companies have a legal duty to report accurate information on all types of consumer reports. If they don't, you can dispute errors, file a lawsuit, and seek compensation. You pay nothing. The law makes them pay when we win or settle. Get started today!

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