Western National Insurance has been around for over 124 years. It offers reliable coverage in the Midwest and Western United States. Founded in 1899, it has a wide range of insurance products.
These include auto, home, business, and specialty insurance. It meets the needs of many, from families to small business owners. People like Western National for its great customer service, easy claims process, and low rates.
This review will look at the good and bad of Western National Insurance. It helps you decide if it’s right for you.
Table of Contents
ToggleKey Points
- Over 124 years of experience in the insurance industry.
- Diverse coverage options including auto, home, and business insurance.
- Focus on exceptional customer service and a user-friendly claims process.
- Discounts available for safe drivers, multiple policies, and good students.
- Customizable policies allow for tailored coverage to meet individual needs.
Company Overview of Western National Insurance
Western National Insurance is a well-known insurance company. It has been in the business for over 120 years. It promises financial stability and puts customers first.
The company has over $2 billion in assets. This shows it’s growing and has a lot of money to back its policies. It also has more than $1 billion in group premiums. This proves it’s financially strong in a tough market.
It started in 1901 and quickly grew. In the beginning, it wrote $263,079 in premiums and had $812.22 in assets. Western National wants to help its customers. It makes products that fit their needs.
Western National’s financial ratings are high. A.M. Best gave it an A+ (Superior) rating for financial strength. It also got a aa- (Superior) long-term issuer credit rating. The company invests over $100 million in ESG-qualified projects. It also donates to over 90 charities in 2023.
Western National Insurance focuses on both financial stability and customer needs. This has made it a reliable name in insurance.
History and Background of Western National Insurance
Western National Insurance has a long history of western national insurance. It started in 1900 in Edina, Minnesota. It began as a local mutual insurance company, focusing on fire and tornado coverage for farmers.
Over time, it grew and offered more services. It also reached more places, becoming a big name in insurance.
By 2023, Western National Insurance had over 115 years of experience in property-casualty insurance. It started with fire insurance for creameries and cheese factories. Now, it offers many insurance solutions for different needs in the Midwest, Northwest, and Southwest.
Western National has always stuck to mutual insurance principles. It has strong ties to the community through charity and sponsorships. In 2009, it gave over $120,000 to community projects.
Even when times were tough, it managed over $470 million in investments. This shows it can handle challenges while keeping its promise to offer personalized insurance.
Today, Western National Insurance is doing well. It keeps innovating in insurance and values long-term relationships based on trust and integrity.
Insurance Products Offered by Western National Insurance
Western National Insurance offers a wide range of insurance products. They have auto insurance, home insurance, and business insurance. These cover many personal and business needs.
In auto insurance, they have two main options: Select Auto and Signature Auto. Signature Auto has a special feature called Penalty-Free Promise. This means your rates won’t go up because of accidents or moving violations. Select Auto offers accident forgiveness for the first accident, giving you peace of mind.
- Select Auto Coverage Options:
- Accident forgiveness
- Car seat replacement
- Common loss deductible
- Delivery drivers coverage
- New vehicle replacement
- Pet insurance for auto accidents
- Rental reimbursement
- Roadside assistance
For home insurance, Western National covers your personal property and liability. They help protect your home from unexpected damages. Their business insurance is made for different industries, giving specific solutions.
Western National is dedicated to great business insurance. They aim to meet each client’s unique needs. They offer discounts for auto policies, like for previous carriers and multiple policies.
Western National has a wide range of coverage options. They help families and businesses with all their needs. This ensures they are well-protected in every area of their lives.
Benefits of Choosing Western National Insurance
Western National Insurance offers many benefits. It has great customer service, helping clients whenever they need it. They have 24/7 support for claims and questions, making things easier for customers.
They also have flexible coverage options. You can pick from auto, home, life, and business insurance. Plus, you can add extras like roadside help and emergency home cover. This makes sure you get the right coverage for you.
The company also cares about its employees. They offer full tuition pay for job-related courses and a top wellness program. This makes the workplace better for everyone. There are also wellness programs like fitness classes and healthy snacks to help employees stay healthy.
Western National Insurance is a great value. They process claims fast and are reliable, as shown by happy customers. Their strong financial ratings mean you can trust them.
Benefits | Description |
---|---|
Customer Service | 24/7 support for claims and inquiries, making clients trust them more. |
Tailored Coverage | Many options for personal and business insurance that you can customize. |
Employee Benefits | Help with tuition, wellness programs, and flexible benefits for employees. |
Reputation | Fast claims and strong finances mean they are reliable. |
In short, Western National Insurance has amazing customer service, flexible policies, and cares for its employees. This makes it a top choice in insurance.
Drawbacks of Western National Insurance
Western National Insurance has many good points, but it also has some downsides. Many people feel that the drawbacks of western national insurance are too big. They say the coverage limit is too low, which can leave them without enough protection.
Also, some customers find it hard to talk to agents when they need help. This can make them unhappy and less likely to stay with the company. It’s important for insurance companies to have good customer service.
In short, these problems are important to think about when choosing Western National Insurance. Fixing issues with agent help and coverage could make people see the company in a better light.
Coverage Options Available at Western National Insurance
Western National Insurance offers many coverage options for different needs. It was founded in 1901 and has over 120 years of experience. It is rated “A+” (Superior) by A.M. Best, showing it is reliable and trustworthy. You can choose from home, auto, and identity fraud protection, each with special features.
The Signature Home product lets you pick your coverage limits. It includes Guaranteed Replacement coverage for home repairs up to 150% of your home’s value. Auto insurance covers vehicle modifications up to $10,000. Rental car coverage is also available up to $30 per day if you have an accident.
Western National also offers add-ons like roadside assistance, available 24/7. It also has identity fraud expense coverage, which pays $10,000 for related costs. Each policy can include the Common Loss Deductible. This means you only pay the highest deductible for related claims across multiple policies, saving you money.
Coverage Type | Details |
---|---|
Home Insurance | Guaranteed Replacement coverage up to 150% |
Identity Fraud | $10,000 coverage for identity fraud expenses |
Auto Insurance | Vehicle customization up to $10,000 |
Rental Vehicle | Coverage up to $30 per day |
Roadside Assistance | Available 24/7 |
Understanding the Claims Process with Western National Insurance
The claims process at Western National Insurance is easy and fast. It lets policyholders report incidents quickly. They can start claims online, by phone, or through a mobile app.
Even if claims are filed after hours, the company responds the next business day.
Claims are handled in the order they are received. This makes things clear for everyone. Adjusters work fast, usually within five business days after inspecting the damage.
Claims are reviewed in 7-10 business days. The first payment is usually the Actual Cash Value (ACV). This value considers depreciation when figuring out repair or replacement costs.
If you have Replacement Cost Coverage, you can get back depreciation after fixing or replacing the item. After a decision, it takes 7-10 days to mail the payment.
Western National helps customers in 33 states, including those hit by natural disasters.
To make things easier, keep all receipts for temporary fixes and living expenses. Also, having a detailed claim with a story and documents helps speed up the process.
This way, the company builds trust and shows it cares about making customers happy.
Customer Service Experience with Western National Insurance
Western National Insurance stands out for its excellent customer service. It offers support through many channels, meeting different needs. Users give high praise, with an average rating of 4.25 out of 5 stars from 32 reviews.
With 115 years in the business, it has 750 employees in six US offices. This team is ready to help with any questions or problems.
Western national insurance log in process
The log-in for Western National Insurance’s online portal is easy. Policyholders can quickly check their accounts and manage policies. They can see coverage details, track claims, and reach customer service.
This makes managing insurance easy and stress-free. It’s a big part of why customers are happy with the service.
Western national insurance phone number
For quick help, there’s a dedicated support line. The western national insurance phone number:(952) 835-5350 connects you with helpful agents. They’re ready to answer questions or offer advice.
This personal service makes customers feel valued. They like being able to talk to real people about their insurance. Western National Insurance is known for its great customer service.
Western National Insurance Career
Western National Insurance has many jobs for different skills and backgrounds. They have over 120 years in the insurance field. This makes them a great place for employment opportunities.
They offer chances to grow through training and development. Every year, they give back to the community with donations. This shows their commitment to helping others.
In 2024, Western National was named a Top 200 Workplace by the Star Tribune. This shows they have a great work culture. They let employees volunteer and help students with scholarships.
They offer many benefits, like a big policyholder surplus of $500 million in 2023. They also focus on new technology. This makes them a top choice in the insurance world.
With over $1 billion in assets, they offer job security and chances to grow. This is good for both current and future employees.
Cost Breakdown of Policies from Western National Insurance
The cost of western national insurance policies changes based on many factors. These include the type of coverage, deductibles, and the risk of the location. Each policy has essential coverage at different prices. This lets customers pick plans that fit their budget well.
For example, auto insurance costs vary by state. This shows how important it is to know the local prices. Discounts like Anti-Theft Devices and Defensive Driver can lower costs. Family discounts also help, showing Western National’s goal to make insurance affordable.
Homeowners policies offer big benefits. They include $10,000 for identity fraud and sewer backup coverage up to $100,000 in most states. With the Penalty-Free Promise®, rates stay the same even after claims. Higher deductibles can save money, so it’s key to compare prices.
Policy Type | Average Cost | Coverage Options | Available Discounts |
---|---|---|---|
Personal Auto Insurance | $1,200 annually | Liability, Collision, Comprehensiv | Multi-Car, Good Student, Defensive Driver |
Homeowner Insurance | $1,000 annually | Identity Fraud, Sewer Backup | Customer Loyalty, Full Pay Discount |
Watercraft Insurance | $950 annually | Customizable Coverage | Seasonal Discounts, Anti-Theft |
Knowing the cost of western national insurance helps with budgeting. It also makes sure customers get the most from their coverage.
Discounts Available on Western National Insurance Policies
Western National Insurance has many discounts to help you save money. The safe driver discount is for those who drive safely. You can also save by bundling your home, auto, and other policies.
There are discounts for good students and more. These discounts encourage safe behavior and protect you well.
- Safe Driver Discount
- Multi-Policy Discount
- Defensive Driver Discount
- Good Student Discount
- Corporate Car Discount
- Full Pay Discount
These discounts can help you save money while keeping you covered. For example, the Penalty-Free Promise® can keep your rates steady. Discounts vary by state and insurance type, so you can find what works best for you.
Discount Type | Description |
---|---|
Safe Driver Discount | A discount for clients with a clean driving record, helping to lower auto insurance rates. |
Multi-Policy Discount | Provides savings when bundling multiple insurance policies, making it more affordable. |
Defensive Driver Discount | Offered to clients who have completed a defensive driving course. |
Good Student Discount | A reward for students who maintain good academic performance. |
Corporate Car Discount | A discount available for employees of certain companies, promoting brand loyalty. |
Full Pay Discount | Applicable for clients who pay their premiums in full at the start of the term. |
With these discounts, you can save a lot with Western National Insurance. This makes insurance more affordable. Using these discounts helps you financially while keeping you and your property safe.
Online Quotes and Accessibility of Western National Insurance
Western National Insurance makes it easy to get online quotes. This lets customers make informed choices without talking to an agent first. It’s all about making things simple and fast for you.
The company started in 1901 and has a long history of helping communities in the Midwest. They are known for being financially stable and reliable. They offer many insurance options to fit your needs.
They have online tools and a mobile app for managing policies. This makes it easy to file claims or change your coverage. It shows they care about making things easy for you.
Western National Insurance is a great choice for getting insurance. They have over 115 years of experience. They offer both old-school and new ways to help you.
Conclusion
Western National Insurance offers a wide range of insurance products. They are dedicated to providing insurance solutions that fit different needs. This review has shown important points like the total benefits paid to Bruce and Cindy Thompson.
Their claims processing is reliable, with totals of $7,111.40 and $7,196.50 for Bruce and Cindy, respectively. They also have competitive prices and discounts. This means you can find a policy that fits your budget and gives you the coverage you need.
Knowing the good and bad about Western National Insurance helps you make better choices. This review is a useful tool for those looking at insurance options. Even with some complex claims, the company’s customer service is a big plus.
Western National Insurance is a top choice in the market. They make you feel confident in your insurance decisions. With the info from this review, you can find the best insurance for you and your family.