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Cal Casualty offers plentiful coverage options and perks for eligible customers, but the company suffers from poor customer service ratings.
California Casualtyhas 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.
While these occupation-focused perks may appeal to some, the company suffers from a higher complaint ratio for both home and auto insurance. Below you’ll find an overview of the different policy options provided by 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 offers the same standard coverage options found through all major insurance companies, but there are a few things that set the company apart. Along with a few standard discount options, California Casualty guarantees its premiums for a full year, protecting clients from unexpected rate hikes. However, the company does suffer from a higher number of customer complaints and a less-than-perfect financial rating. Read on to find out more about California Casualty's coverage options and availability.
California Casualty car insurance
Policyholders can expect standard auto policy options including liability, comprehensive and collision coverage, uninsured motorist coverage, personal injury protection (where applicable) and medical payments. However, the company also offers some unique coverages that aren't widely available elsewhere. See below some of the additional car insurance options available through California Casualty.
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.
California Casualty partners with Mexican car insurance company Mexpro to provide coverage for international journeys south of the border. Learn more about getting coverage in Mexico.
California Casualty customers can expect features unique to the company, including optional coverages like the following:
California Casualty offers many ways to save on your car insurance. Below is a list of some of the more common car insurance discounts available through Cal Casualty:
California Casualty offers many different insurance products, many of which can be bundled together for possible savings. Bundling allows you to combine your auto policy and homeowners insurance through the same company. Bundling insurance policies can also remove hassles by having all of your insurance needs under one roof instead of through multiple different companies. Bundling discounts also apply to renters, condo or any other Cal Cas policy — although the insurance premium savings might be smaller with less-expensive insurance bundles. Contact an insurance agent to find the best home and auto insurance bundles or to learn more about the benefits of bundling.
While some of the following coverage types may not be available in every state, the following are some of the more popular insurance types offered by California Casualty:
Customers can expect the standard coverage options from a California Casualty homeowners insurance policy. Because of its eligibility requirements, there are a number of specialized perks or coverages that are offered depending on your career. Similar to its car insurance offering, the company suffers from a higher amount of customer complaints than average. Read on to see our full review of the Cal Casualty homeowners insurance.
California Casualty offers homeowners insurance policies in the following states:
California Casualty homeowners insurance
California Casualty offers standard homeowners insurance options for your dwelling, other structures, personal property, medical payments, personal liability and additional living expenses. Coverage limits for these options are customizable based on your individual needs. Below are a few of the more unique home insurance coverages offered by Cal Casualty.
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.
California Casualty lists flood insurance as one of its offerings, though the policy is fulfilled through the National Flood Insurance Program (NFIP).
There are a variety of ways to save on your home insurance premiums through California Casualty. Have a look at the following discounts:
Among the many standard coverage options California Casualty provides, the following perks could make using the company worthwhile and provide extra peace of mind.
The company offers a number of options for payment, which can be helpful to those on a budget. These include the following:
Included with every policy is identity theft coverage. This coverage offers a number of benefits, including:
To cancel a California Casualty Insurance policy, simply call 1-800-800-9410 to speak with a representative.
You cannot cancel a Cal Casualty policy online at this time.
California Casualty has limited online features when compared to most major or mid-sized insurance carriers. Customers are able to create an online account to access policy documents online. Similarly, you can make payments and file claims through the online portal, but there aren't many other online features to speak of. California Casualty does not currently have a mobile app.
Learn more at calcas.com.
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 way to start is by clicking below to view insurance quotes and find out which policies are in your price range.
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