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MAPFRE Insurance: Reviews, Coverage Options, and Ratings

MAPFRE Insurance Review for 2020


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3.5 Rating from The Zebra

MAPFRE Insurance is a home and auto insurance company based in Spain. The company’s reach is worldwide, as it operates in over 100 countries across the globe. In the United States, MAPFRE employs more than 5,000 independent insurance agents and brokers across the country and offers support in both English and Spanish. MAPFRE currently has the largest auto and home insurance market share in Massachusetts and operates in 13 additional U.S. states. Read our MAPFRE Insurance review to discover more information on coverage options, customer reviews and third-party ratings.


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J.D. Power Rating — Average: J.D. Power rates MAPFRE auto insurance a 2 out of 5. However, the company was rated highly for the overall shopping experience, though this is not reflective of what a customer can expect while they have a policy.

Financial strength — Superior: The company earned an A rating from the financial rating service AM Best. This means policyholders do not need to worry about the company's ability to pay out claims.

NAIC Rating — Average: The National Association of Insurance Commissioners rates MAPFRE as having substantially more customer complaints than average.

J.D. Power Rating — Average: J.D. Power rates MAPFRE auto insurance a 2 out of 5. However, the company was rated highly for the overall shopping experience, though this is not reflective of what a customer can expect while they have a policy.

Financial strength — Superior: The company earned an A rating from the financial rating service AM Best. This means policyholders do not need to worry about the company's ability to pay out claims.

NAIC Rating — Average: The National Association of Insurance Commissioners rates MAPFRE as having substantially more customer complaints than average.

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MAPFRE car insurance coverage options

All of the standard auto insurance options available from most major carriers are available from MAPFRE Insurance. These include liability coverage, medical payments, collision, comprehensive, car rental, towing, and uninsured motorist coverage. However, MAPFRE auto policies have a number of extra options that draw in a number of consumers. Have a look at some of the company's options below.

 

Unique auto insurance programs

MAPFRE Insurance offers a number of "Value Programs." These are strong incentives to acquire a MAPFRE policy.

 

Disappearing deductible

MAPFRE’s disappearing deductible option provides the opportunity to save up to $300 on your car insurance deductible. You receive credits for every continuous year of safe driving.

 

Accident forgiveness

MAPFRE offers accident forgiveness as an option. If you purchase accident forgiveness at the onset of your policy, your auto insurance rates won’t go up if you cause an accident.

 

Auto glass repair program

MAPFRE Insurance offers a streamlined way of getting your glass-only damages to windows or the windshield repaired. They partner with American Commerce Claim Service Center to quickly take care of repairing or replacing your damaged glass.

 

Car EZ®

MAPFRE Insurance’s CAR EZ® Program promises to make repairs to your vehicle “quick, easy and stress-free.” For those looking for an expedited repair service, this could be a good option.

 

DriveAdvisor®

The DriveAdvisor Program provides online feedback on your driving habits in an effort to help you become a safer driver. Those who take advantage of this service may receive up to a 5% discount just by keeping a clean driving record.

 

ePICS

ePICS claims to eliminate the need for you to travel to an appraisal facility by allowing you to snap pictures of your vehicle and upload them through the MAPFRE Insurance app.

 

TeenSMART®

In an effort to educate teens about safe driving habits, MAPFRE Insurance created its teenSMART safe driver program. TeenSMART provides interactive computer-based training to help younger drivers become more adept behind the wheel. This can also lower your auto insurance costs as well.

 

MAPFRE insurance discounts

MAPFRE has no shortage of discount options. This is definitely a perk for insurance shoppers looking to save money. 

 

MAPFRE homeowners insurance options

MAPFRE offers an array of home insurance options. MAPFRE's home insurance products include dwelling, other structures, personal property, additional living expenses, personal liability, and medical payments. The company also offers add-ons that could make checking them out worthwhile. 

MAPFRE's home insurance add-on menu includes: 

  • Water and sewer backup coverage
  • Replacement cost coverage for your home’s contents
  • Increased limits for personal liability and medical payments
  • Personal injury liability protection
  • Increased limits on certain personal property such as jewelry, silverware, and furs
  • Special personal property coverage for most perils affecting your home’s contents

 

Special programs

For customers looking for special types of home coverage, MAPFRE Insurance also offers unique programs that customers can opt into. 

 

Restorationist

If you own a classic home, your insurance needs could differ from those of a standard customer. MAPFRE is aware of these needs and guarantees coverage for restoration costs, claiming to even help you find craftsmen and hard-to-find materials to get your home back to its original condition. As a part of this coverage, MAPFRE provides a cash-out option in the event of a total loss.

 

Premier living

For those with more expensive or architecturally unique homes, MAPFRE’s premier living option could be an ideal choice. It offers a number of exclusive coverage choices that are adapted to the needs of a homeowner with a high-value property, including:

  • Guaranteed replacement cost
  • Ordinance or law coverage
  • Additional living expenses
  • Cash-out options
  • Sewer and water backup
  • Extended personal property coverage

 

IT help desk

At no extra charge, MAPFRE offers a technology help desk to support devices such as computers, smartphones, tablets, network connectivity, printers, and more.

 

MAPFRE Select Home Restoration Program

This is an expedited home repair service intended to speed up the repair process. MAPFRE claims to contact you on the same day of your claim to coordinate reconstruction. 

 

Home system protection

Many of the most expensive systems in your home may not be covered by a standard policy. MAPFRE offers coverage options for a number of home systems, including:

  • Central heating and air conditioning systems
  • Boilers and water heaters
  • Solar heaters
  • Well pumps
  • Built-in generators
  • Underground service lines
  • Permanently-installed appliances and more. 

 

Identity theft coverage

MAPFRE partners with cybersecurity company CyberScout to provide protection against a number of online identity threats, including credit card, forgery, and counterfeit money protection.

 

ePICS® program

This program allows MAPFRE customers the chance to report minor damages more efficiently by submitting photos and answering a few simple questions about the damage.

 

Additional lines of insurance

In addition to its popular home and auto insurance products, MAPFRE Insurance also offers a number of other common options, including the following:

 

MAPFRE Insurance review: is the insurer right for you?

With its wide array of coverage options and ever-expanding roster of independent agents, MAPFRE Insurance is a solid option for auto or home insurance. The company offers unique perks and add-ons, with the trade-off of more frequent customer complaints.

If you’re looking for a new insurance policy and price is your main concern, you may want to check out The Zebra. We can help you find insurance quotes from many of the top companies in the country. Seeing quotes side by side makes finding lower insurance rates much easier.

 

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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 masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.

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