National Fire and Marine Insurance Company, Nebraska: Overview, Contacts, Services, Finances, Coverage, Claims, Compliance, Renewal & Cancellations, Reviews

Looking for Reliable Insurance? Consider National Fire & Marine Insurance Company.!!!

An image illustration of National Fire and Marine Insurance Company
National Fire and Marine Insurance Company, the best you can choose.

If you’re seeking a dependable insurance provider offering the coverage you need, National Fire & Marine Insurance Company, a Berkshire Hathaway Inc. subsidiary, might be the right choice.

This blog post will explore the company’s history, products, services, and customer experiences to assist you in making an informed decision.

Company Overview

Founded in 1949 in Omaha, Nebraska, as a subsidiary of Jack D. Ringwalt and Associates, National Fire & Marine Insurance Company became part of Berkshire Hathaway Inc.’s National Indemnity group in 1967.

The company, licensed to write surplus lines insurance in all 50 states and the District of Columbia, is currently led by President and CEO Donald F. Wurster.

With assets of $6.8 billion, liabilities of $3.9 billion, and policyholders’ surplus of $2.9 billion, National Fire & Marine is a significant player in the U.S. property and casualty insurance industry.

Basic Information

Here are some essential details about National Fire & Marine Insurance Company:

Phone Number (402) 916-3000
Address 3024 Harney St, Omaha, NE 68131
Customer Service Contact (800) 356-5750
Policy Details Varies by state and product
Email Address
Fax Number (402) 916-3030
Operating Hours Monday-Friday, 8:00 a.m. – 4:30 p.m. Central Time

Services & Products

National Fire & Marine Insurance Company offers a diverse range of insurance products, including:

The company also provides bundled services, such as a home and auto package, offering discounts and additional coverages.

Additionally, National Fire & Marine extends international coverage, temporary policies, and event insurance.

Financial Details

Key financial considerations for National Fire & Marine Insurance Company include:

  • Premium Costs: Varied and personalized estimates obtained through contacting an agent or broker.
  • Payment Options: Flexible choices including monthly, quarterly, semi-annually, or annually, with payment methods like check, credit card, electronic funds transfer, or online.
  • Discounts and Promotions: Various discounts available for multi-policy, multi-vehicle, good driver, good student, and more.
  • Claim Payout Ratio: A 2020 claim payout ratio of 68.9%, indicating efficient and profitable operations.

Coverage Details

Understanding the coverage details is vital, considering policy exclusions, coverage limits, and optional add-ons or riders.

National Fire & Marine Insurance Company offers comprehensive coverage with customization options. Key details include:

  • Policy Exclusions: Common exclusions such as war, nuclear hazard, intentional acts, wear and tear, and more. Customers should carefully review policy documents for specific exclusions.
  • Coverage Limits: Varied based on coverage type, amount, and state requirements. Customers can adjust limits based on their needs and budget.
  • Add-ons or Riders: Optional features like umbrella liability, accidental death and dismemberment, inflation guard, and equipment breakdown can be added for enhanced coverage.

Whether you are looking for personal or commercial insurance, National Fire & Marine Insurance Company provides customizable solutions to meet your needs.


The claim process is a pivotal aspect of any insurance company, determining how it manages and resolves customer claims.

National Fire & Marine Insurance Company prioritizes a swift and straightforward claim process to ensure optimal service and customer satisfaction.

Below are key details about the company’s claim process:

Claim Process:

Required Documents for Claims:

Common documents include police reports, photos, receipts, estimates, and medical records.

Average Claim Approval Time:

Legal & Compliance

Ensuring Ethical Operations National Fire & Marine Insurance Company upholds a high standard of legal and compliance practices, demonstrating ethical and responsible operations.

Key points include:

Privacy Policy:

Terms and Conditions:

Renewals & Cancellations

A Flexible Approach Understanding how an insurance company manages renewals and cancellations is crucial for customers.

National Fire & Marine Insurance Company offers a fair and flexible policy, providing customers with options:

Policy Renewal Process:

  • Customers receive a renewal notice before the expiration of their products or services, detailing renewal date, premium, and terms.
  • Renewal options include payment of the renewal premium, contacting an agent or broker for adjustments, declining the offer, or switching to a more suitable product or service.

Cancellation Policy and Fees:

  • Customers can stop using products or services whenever they want by telling the company in writing or by talking to their agent or broker.
  • The company may charge a fee for stopping products or services, which may be different for different states and products or services.
  • The fee may be part of the money that customers have not used yet, or a fixed amount.
  • Customers may get some money back based on how much they have paid and used, which may also be different for different states and products or services.

Grace Periods:

  • Grace periods, allowing customers 10 to 31 days to pay premiums after the due date, vary based on product type and frequency.
  • Timely payment is essential to avoid coverage lapses or late fees.

Company Culture

Guided by Values The company’s culture is shaped by its values, reflecting its vision, mission, and goals. Key aspects include:


  • Aspires to be the world’s best insurance company by providing top-quality products, creating value, and prioritizing customer, employee, and shareholder interests.



  • Strives for excellence through continuous improvement, innovation, growth, and adherence to high standards of ethics, integrity, and professionalism.


  • Emphasizes customer focus, employee engagement, teamwork, accountability, and innovation as guiding principles.

Customer Experiences

Positive Reviews and Ratings National Fire & Marine Insurance Company enjoys positive reviews and ratings from satisfied customers, highlighting the company’s quality, reliability, and professionalism.

A glimpse into customer experiences includes:

Customer Reviews and Ratings:

  • Favorable feedback commends the company for responsiveness, fairness, prompt claims payment, competitive rates, and dependable service.



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