Certainly Insurance is an online-only insurance brand that offers auto, renters, small business, and workers’ compensation insurance.
It claims to provide coverage that is affordable, customizable, and reliable, all backed by Liberty Mutual Insurance.
But is Certainly Insurance legit? How does it compare to other insurance providers in the market?
Certainly Insurance Reviews
One of the best ways to find out if Certainly Insurance is legit is to look at what other customers have to say about it.
According to ConsumersAdvocate.org, Certainly Insurance has a rating of 4.3 out of 5 stars, based on 12 reviews.
Most of the reviews praise the company for its easy and fast online process, competitive rates, and helpful customer service.
However, some of the reviews also mention some drawbacks, such as limited coverage options, lack of discounts, and difficulty in canceling policies.
Another source of Certainly Insurance reviews is GeneralLiabilityInsure.com, which gives the company a rating of 4.5 out of 5 stars, based on 2 reviews.
Both of the reviews are positive, highlighting the company’s convenience, flexibility, and responsiveness.
However, this source also notes that the company is relatively new and has not been rated by independent agencies such as A.M. Best or BBB.
Certainly Insurance Coverage
Certainly Insurance offers four types of insurance: auto, renters, small business, and workers’ compensation. Each type of insurance has different coverage options and limits, depending on the state and the customer’s needs. Here is a brief overview of what each type of insurance covers:
- Auto insurance: Certainly Insurance offers liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, and rental reimbursement coverage for personal vehicles. The minimum and maximum coverage limits vary by state, but the company recommends choosing at least $100,000/$300,000/$100,000 for liability coverage.
- Renters insurance: Certainly Insurance offers personal property, personal liability, medical payments, and loss of use coverage for renters. The company also offers identity protection services as an add-on, which can help customers in case their identities are stolen. The minimum coverage limit for personal property is $10,000, and the maximum is $50,000. The minimum coverage limit for personal liability is $100,000, and the maximum is $500,000.
- Small business insurance: Certainly Insurance offers general liability, professional liability, and business owners policy (BOP) coverage for small businesses. The company also offers cyber liability and workers’ compensation coverage as add-ons, which can protect businesses from cyberattacks and employee injuries. The minimum and maximum coverage limits depend on the type and size of the business, but the company suggests choosing at least $1 million for general liability and professional liability coverage.
- Workers’ compensation insurance: Certainly Insurance offers workers’ compensation coverage for businesses that have employees. This type of insurance covers medical expenses, lost wages, and legal costs for employees who get injured or ill on the job. The minimum and maximum coverage limits depend on the state and the payroll of the business, but the company follows the state-mandated requirements for workers’ compensation coverage.
Certainly Insurance Pricing
Certainly Insurance claims to offer affordable and customized pricing for its customers.
The company uses a proprietary algorithm that considers various factors, such as the customer’s personal information, driving history, credit score, location, vehicle type, coverage options, and deductible amount, to determine the premium.
The company also offers a flexible payment plan, which allows customers to choose the frequency and method of payment that suits their budget.
However, Certainly Insurance does not offer any discounts or bundling options, which can lower the cost of insurance for some customers.
The company also charges a $10 policy fee for each type of insurance, which can add up over time.
Therefore, the pricing of Certainly Insurance may not be the cheapest or the best value for everyone, and it is advisable to compare quotes from different providers before making a decision.
Certainly Insurance Customer Service
Certainly Insurance prides itself on providing exceptional customer service and support to its customers.
The company offers a simple and easy online process, which allows customers to get a quote, buy a policy, manage their account, and file a claim online, without any hassle or paperwork.
The company also has a dedicated team of licensed agents and claims specialists, who are available 24/7 via phone, email, or chat, to answer any questions or concerns that customers may have.
However, Certainly Insurance does not have any physical offices or local agents, which can be a disadvantage for some customers who prefer face-to-face interactions or more personalized service.
The company also does not have a mobile app, which can make it less convenient for some customers to access their policies or claims on the go.
Certainly Insurance Claims
Certainly Insurance promises to make the claims process as smooth and fast as possible for its customers.
The company allows customers to file a claim online, through its website or email, at any time of the day or night.
The company also assigns a dedicated claims representative to each customer, who will guide them through the process and keep them updated on the status of their claim.
The company aims to resolve most claims within 30 days, depending on the complexity and severity of the claim.
However, Certainly Insurance does not have any preferred repair shops or network providers, which can limit the options and quality of service for some customers who need repairs or medical treatment.
The company also does not offer any guarantees or warranties on the repairs or services that customers receive from third-party providers.
Is Certainly Insurance Worth It?
Certainly Insurance is a legitimate and reputable insurance company that offers online-only insurance for auto, renters, small business, and workers’ compensation. The company has many advantages, such as:
- Easy and fast online process
- Competitive and customized pricing
- Flexible payment plan
- Comprehensive and reliable coverage
- Backed by Liberty Mutual Insurance
- Exceptional customer service and support
- Simple and quick claims process
However, the company also has some drawbacks, such as:
- Limited coverage options and discounts
- Policy fee for each type of insurance
- No physical offices or local agents
- No mobile app
- No preferred repair shops or network providers
- No guarantees or warranties on repairs or services
Therefore, the worth of Certainly Insurance depends on the customer’s needs, preferences, and budget.
Some customers may find Certainly Insurance to be a great option for their insurance needs, while others may prefer a different provider that offers more features or benefits.
The best way to decide if Certainly Insurance is worth it is to compare quotes and reviews from different providers and choose the one that meets your expectations and requirements.
ALSO READ
- Is Event Helper Insurance Legit? A Scam Buster’s In-Depth Review
- Is FFL Insurance Legit: Cost, Review, Policies, Ratings, Complaints
- Is Colonial Penn Insurance Legit? Unveiling the Truth Behind the Coverage
- Is Clearcover Insurance Legit: Covers,claims,Prons and Cons
- IMG Insurance Legit: Coverage, Customer Service, Prons and Cons
- Is Better Flood Insurance Legit? An In-Depth Look
Conclusion
Certainly Insurance is an online-only insurance brand that offers auto, renters, small business, and workers’ compensation insurance, backed by Liberty Mutual Insurance.
The company has many strengths, such as its easy and fast online process, competitive and customized pricing, flexible payment plan, comprehensive and reliable coverage, exceptional customer service and support, and simple and quick claims process.
However, the company also has some weaknesses, such as its limited coverage options and discounts, policy fee for each type of insurance, no physical offices or local agents, no mobile app, no preferred repair shops or network providers, and no guarantees or warranties on repairs or services.
Therefore, the worth of Certainly Insurance depends on the customer’s needs, preferences, and budget, and it is advisable to compare quotes and reviews from different providers before making a decision.
Demystifying the intricate dance of risk and reward.
About
Maya Scarlett is not afraid of the unknown.
She is passionate about the intricate world of insurance and enjoys converting complex numbers into compelling stories that empower people to navigate the unpredictable with confidence.
At InsuranceBlob.com, she translates jargon into empathy, demystifying risk and empowering individuals to navigate the often-opaque world of insurance.
Education
Armed with an academic arsenal honed to dissect risk in all its forms, Maya’s educational journey reflects her multifaceted approach to the field.
MSc in Disaster Risk Reduction and Management (University College London)
This program provided a holistic understanding of disaster preparedness, mitigation, and recovery, with a focus on social, environmental, and economic dimensions of risk.
Behavioral Economics and Insurance, Wharton School of Business (University of Pennsylvania)
Delving into the psychological factors influencing insurance decision-making, this course equipped Maya with tools to design products and policies that resonate with people’s needs and biases.
Expertise
Maya’s expertise extends beyond crunching numbers.
- Behavioral Risk Communication: Employing effective communication strategies to educate individuals and communities about risk and encourage responsible insurance behavior.
- Emerging Risks and Innovation: From climate change to cyber threats, Maya keeps her finger on the pulse of the future, anticipating and preparing for the next wave of risk challenges.
- Regulatory Compliance and Communication: Navigating the intricate maze of insurance regulations and translating complex concepts into clear, actionable language for everyone.
Maya Scarlett is your guide through the labyrinthine world of risk.
With her sharp data-driven insights and unwavering optimism, she empowers you to make informed decisions and face the unexpected with confidence.
Read her articles and discover how your risk can be your greatest asset.
Connect with Maya
LinkedIn
Twitter
Medium
Feel free to reach out for a chat, a question, or a deep dive into the fascinating world of risk and reward.
Maya is always eager to share her knowledge and help you navigate the ever-changing insurance landscape with confidence.