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California Casualty Insurance: Review, Coverage Options, and Ratings

California Casualty Insurance Review 2020


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3.0 Rating from The Zebra

California Casualty has provided insurance for more than 100 years. Based in San Mateo, California, the company offers a wide range of coverage types in a number 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 its relatively 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 — Not rated

Financial strength — Good: According to AM Best, Cal Casualty's financial standing is significantly lower than many top carriers; they were given a B++ rating.

NAIC Rating — Below average: The National Association of Insurance Commissioners received more complaints than the national average regarding California Casualty in 2019.

JD Power Rating — Not rated

Financial strength — Good: According to AM Best, Cal Casualty's financial standing is significantly lower than many top carriers; they were given a B++ rating.

NAIC Rating — Below average: The National Association of Insurance Commissioners received more complaints than the national average regarding California Casualty in 2019.

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Who is eligible for California Casualty insurance?

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

 

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, Cal Casualty policies are fulfilled by a partner company. The insurer guarantees its premiums for a full year, protecting clients 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.

See below some of the special options available through California Casualty.

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 through Cal Casualty

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

Unique coverage perks

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

 

California Casualty car insurance 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 vehicles:

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

 


 

California Casualty homeowners insurance

California Casualty offers standard homeowners insurance options for dwellings, other structures, personal property, loss of use, and personal liability. Below are a few of the more unique home insurance coverages offered by Cal Casualty.  

  • $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 homeowners coverage 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 home insurance offerings 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 insurance

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 (NFIP). 

 

Cal Casualty 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 discounts: 

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

Other perks

Among the many standard coverage options California Casualty provides, there are a few other perks that could make using the company worthwhile and provide extra peace of mind.

Payment options

The company offers a number 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 with California Casualty

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 

 

California Casualty's additional lines of insurance

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

 

Is California Casualty the right company for you? 

When looking for an insurance policy — 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 may offer unique benefits for those eligible, but is the combination of cost and customer service correct 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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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.

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