California Casualty Insurance Reviews, Coverage Options, and Ratings in 2019

The Zebra
Nov. 12, 2019

California Casualty Insurance Reviews, Coverage Options, and Ratings for 2019


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3.0 Rating from The Zebra

California Casualty has been providing insurance for over 100 years. Started in California, the company now offers a wide range of coverages in a majority of U.S. states. However, eligibility is limited to those who work in the professions of education, nursing, law enforcement, or who work as a first-responder. With a more limited scope, the company aims to provide special perks and benefits to its customers that wouldn’t otherwise be available. Below you’ll find an overview of the different policy options provided by California Casualty Insurance.


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JD Power Rating — N/A

Financial strength — Good: According to A.M. Best, the financial standing is significantly lower than many top carriers.

NAIC Rating — Below Average: The National Association of Insurance Commissioners received over twice as many complaints about California Casualty as the national average in the year 2018.

JD Power Rating — N/A

Financial strength — Good: According to A.M. Best, the financial standing is significantly lower than many top carriers.

NAIC Rating — Below Average: The National Association of Insurance Commissioners received over twice as many complaints about California Casualty as the national average in the year 2018.

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Eligibility

California Casualty is not available to everyone. In order to be eligible, you must work in one of the following sectors:  

  • Education
  • Law Enforcement
  • Fire Fighting
  • Nursing

 

California Casualty auto insurance coverage options 

California Casualty provides car insurance in every state except Alaska, Hawaii, Massachusetts, Maine, New York, and Wisconsin. In the state of North Carolina, policies are fulfilled by a partner company. The company ensures that all rates are guaranteed for a full year, protecting you from unexpected rate hikes. Policyholders can expect standard policy options including liability, property damage, comprehensive, and collision, along with some unique coverages not available elsewhere. We’ll take a look at some of the special options offered. 

 

Roadside assistance

For an added premium, you can add roadside assistance which can help in the event that your vehicle breaks down. This coverage includes towing and more.

 

Car insurance in Mexico

California Casualty partners with Mexican car insurance company, Mexpro, to provide coverage for international journeys south of the border. 

 

Unique coverages

California Casualty customers can expect features unique to the company, including optional coverages like the following:  

  • $500 in personal property coverage
  • Non-factory/custom equipment coverage
  • Pet injury coverage
  • Premium waiver for survivors of those killed in the line of duty. 
  • Loan or lease payoff coverage

 

Discounts

California Casualty offers many ways to save on your car insurance. Below is a list of some of the more common opportunities to save. 

  • Multi-Car 
  • Multi-Policy 
  • Mature Driver 
  • Good Student   
  • College Graduate 

 

Other types of coverage

California Casualty also provides coverage for the following motorized vehicles:

  • Antique and classic cars
  • Trailers
  • Campers
  • Snowmobiles
  • Motorcycles and mopeds
  • RV
  • Golf carts  

 

Homeowners insurance

California Casualty offers standard homeowners insurance options for your dwelling, other structures, personal property, loss of use, and personal liability. Here are some of the more unique home insurance coverages that you can expect.  

  • $500 coverage for lost luggage 
  • $1,000 coverage for protection against the unlawful use of a debit or credit card 
  • $0 deductible for loss of use and additional living expenses

 

Special coverage just for educators:

  • $3,000 for personal property used in teaching (no deductible, except in NH)
  • $500 for theft of fundraising money and goods (no deductible)
  • Educator liability coverage
  • School violence death benefit for survivors

 

Special coverage for firefighters and peace officers:

  • Fallen Hero benefit for those killed in the line of duty 
  • Turnout gear coverage
  • Theft coverage for personally owned off-duty weapons (up to $5,000)
  • Coverage for personally owned uniforms 

 

Earthquake Coverage

The company offers earthquake insurance directly or — in some cases — through GeoVera Insurance Company. You can add this coverage as an endorsement in California, Illinois, Kentucky, Missouri, Oregon, and Rhode Island. GeoVera coverage is available in California, Oregon, and Washington. 

 

Flood Coverage

California Casualty lists flood insurance as one of its offerings, though the policy is fulfilled through the National Flood Insurance Program. 

 

Home insurance discounts

There are a variety of ways to save on your home insurance premiums through California Casualty. Have a look at the following discount options available. 

  • Retiree discount (55+)
  • Multi-policy discount (auto, etc…)
  • Automatic sprinkler system discount
  • Non-smoker discount
  • Home alarm system discount

 

Other perks

Among the many standard coverage options that California Casualty provides, there are a few other perks that could make using the company worthwhile. 

 

Payment options

The company gives you a variety of options for payment, which can be helpful to those on a budget. They include the following:

  • EZ Pay automated payments
  • Annual pay
  • 5-Pay installment plan
  • Payroll deduction

 

Identity Theft coverage

Included with every policy is identity theft coverage. This coverage offers a number of benefits, including:

  • Support against tax fraud 
  • Assistance if your social media or email is compromised
  • Support for child identity theft 
  • Break-In Recovery
  • Support for employment identity theft 
  • Support for assisted living fraud 
  • Support for travel identity theft 

 

Additional lines of insurance

California Casualty offers a broad range of coverage options, including the following. 

  • Renters insurance 
  • Condo Insurance
  • Mobile Home insurance
  • Pet insurance 
  • Personal Umbrella

 

Insurance Reviews: Is California Casualty right for you? 

When looking for an insurance policy — whether home, auto, or otherwise — it’s important to find a company that offers the coverage options that you need at a price that is affordable. Along with an insurer’s financial and customer service ratings, seeking out customer reviews can be another great option to get a sense of what others have experienced. 

California Casualty can offer some unique benefits for those eligible, but is the price right for you? A good place to start is by getting a quote to see if the policy fits in your price range. 

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