Securian Casualty Company(Minnesota); Contacts, Claims, Products, Ratings, Reviews, and Benefits

Securian Casualty Company stands as a beacon in the insurance landscape, offering a myriad of coverage options to safeguard individuals and businesses alike. Choosing the right insurance provider is crucial for financial security and peace of mind. In this article, we delve into the various facets of Securian Casualty Company, providing insights into its history, services, premium costs, and more.

Securian Casualty Company

A Brief Overview of Securian Casualty Company

Securian Casualty Company provides property and casualty insurance. It’s part of Securian Financial, a financial services firm founded in 1880. Headquartered in Macon, Georgia, this insurance arm has been operating since 1994.

Contact Details of Securian Casualty Company

Contact Information Details
Address Securian Casualty Company, 400 Robert Street North, St. Paul, MN 55101-2098
Phone 1-877-491-5271
Website Securian Website
Email Contact Securian
Social Media Facebook / Twitter / LinkedIn
Hours of Operation Monday – Friday: 7:00 AM – 6:00 PM CT
Saturday: 8:00 AM – 5:00 PM CT
Sunday: Closed
Emergencies For emergencies, please call 1-800-444-4654

 

Services and Products Offered by Securian Casualty Company

Products

Securian Casualty Company provides a range of insurance products tailored for individuals and businesses. Among their popular offerings are:

  • Homeowners Insurance: Safeguard your home and personal belongings from risks like fire, theft, and natural disasters with Securian Casualty Company‘s homeowners insurance policies.
  • Auto Insurance: Protect your vehicle from damage or loss in case of an accident, including liability coverage for bodily injury or property damage you might cause to others.
  • Renters Insurance: Cover your belongings from damage or loss due to events like fire or theft, and get liability coverage for potential bodily injury or property damage you may cause to others.
  • Business Insurance: Securian Casualty Company offers various business insurance products, shielding your business from risks such as property damage, liability, and employee-related concerns.
  • Life Insurance: Ensure your family’s financial future with Securian Casualty Company’s life insurance products, designed to protect you in the event of your passing.

Services

Securian Casualty Company extends a range of services to assist policyholders in managing their insurance needs. Key services include:

  • Online Policy Management: Easily access policies, make payments, and file claims online for added convenience.
  • 24/7 Customer Service: Speak to a customer service representative any time, day or night, to address your inquiries.
  • Claims Reporting: Efficiently report claims online, over the phone, or through mail for a streamlined process.
  • Claims Assistance: Benefit from the expertise of Securian Casualty Company’s claims adjusters who are dedicated to helping policyholders through the claims process.

Securian Casualty Company

Payment Options

Securian Casualty Company provides diverse payment choices for its insurance policies. Policyholders can conveniently pay premiums on a monthly, quarterly, semi-annual, or annual basis. Additionally, setting up automatic payments allows for hassle-free deductions from their checking account or credit card every month.

Discounts

To help policyholders cut costs on premiums, Securian Casualty Company offers various discounts, including:

  • Multi-Policy Discount: Save up to 15% on premiums by bundling insurance policies with Securian Casualty Company.
  • Accident-Free Discount: Enjoy up to 20% off auto insurance premiums if you’ve been accident-free for a specific period.
  • Safe Driver Discount: Complete a defensive driving course and save up to 10% on auto insurance premiums.
  • Early Signing Discount: Renew policies early to receive a 5% discount on premiums.
  • Homeownership Discount: Homeowners can save up to 10% on homeowners insurance premiums.
  • Loyalty Discount: Stay with Securian Casualty Company for a certain period and save up to 10% on premiums.

Promotional Offers

Securian Casualty Company introduces periodic promotional offers, enticing new customers and encouraging policy renewals. These promotions, dependent on the time of year and the specific product, have included:

  • New Customer Discounts: New customers can enjoy savings of up to 15% on their first year of insurance.
  • Referral Bonuses: Earn bonuses by referring friends and family to Securian Casualty Company.
  • Cash Back Rewards: Receive cash back rewards for timely premium payments.

Process of Filing Claims

Reporting a Claim

To kick off the claims process, report your claim to Securian Casualty Company via phone, online, or mail.

Requirements

When reporting your claim, provide the following details:

  • Your name and policy number
  • Date, time, and location of the incident
  • A description of the incident
  • Names and contact information of any witnesses
  • If injured, details of your injuries and your medical provider’s name

Claim Investigation

Once reported, Securian Casualty Company assigns an adjuster to investigate. The adjuster assesses damage, determines liability, and may need to inspect your vehicle or property.

Claim Settlement

If approved, Securian Casualty Company issues payment to you or your repair facility. The payment amount is based on the damage extent and policy coverage.

Timeframe for Claim Settlement

The settlement timeframe varies based on claim complexity. Securian Casualty Company aims to settle claims within 30 days of receiving all necessary documentation.

Securian Casualty Company

Ratings

Major rating agencies consistently rate Securian Casualty positively. As of November 2023, A.M. Best gives them an A+ (Superior) rating, Fitch rates them A+ (Strong), and Moody’s rates them A2 (Excellent).

Reviews

Customers also generally praise Securian Casualty. On Consumer Affairs, they boast an average rating of 4.5 out of 5 stars from over 4,000 reviews. In J.D. Power’s 2023 U.S. Auto Insurance Study, Securian Casualty received an above-average rating.

Complaints

While the National Consumer Complaint Database (NCCDB) recorded 41 complaints about Securian Casualty in the past three years, these were mainly about claims processing (24%), billing and invoicing (16%), and underwriting and pricing (16%).

Resolutions

Securian Casualty has an impressive track record, having resolved 100% of the complaints filed with the NCCDB. The average resolution time for complaints is a prompt 27 days.

Overall, Securian Casualty Company stands out as a well-rated and well-reviewed insurance company with a commendable history of resolving complaints.

Cancellation of Policies

You have the flexibility to cancel your Securian Casualty policy whenever you need to. Keep in mind that cancellation fees may apply, and the fee amount depends on your policy type and its duration.

To cancel, call Securian Casualty at 1-800-444-4654 or send a written request to:

Securian Casualty Company
PO Box 64238
St. Paul, MN 55164-0238

Include your name, policy number, and the desired cancellation date.

Renewals of Policies

Securian Casualty sends a renewal notice 30 days before your policy expires. Renew online, by phone at 1-800-444-4654, or through mail at Securian Casualty, PO Box 64238, St. Paul, MN 55164-0238. Failure to renew by the expiration date results in automatic cancellation.

Automatic Payments

For policies with automatic payments, premiums are deducted monthly from your checking account or credit card. No action is required for renewal.

Paperless and AutoPay Discounts

Enjoy savings on your policy by opting for paperless billing and automatic payments.

Changes to Your Policy

Make policy changes, like adding a new driver or updating your address, online, by phone, or through mail.

Lapse of Coverage

Allowing your policy to lapse means no coverage. To reinstate coverage, a reinstatement fee is required.

Benefits of Joining Securian Casualty Company

Financial Stability

Securian Casualty boasts a lengthy track record of financial stability, holding an A+ (Superior) rating from A.M. Best, a top insurance rating agency. This rating assures you that Securian Casualty is well-equipped to fulfill your claims promptly.

Wide Range of Products

Meet your diverse insurance needs with Securian Casualty’s array of products, covering homeowners, auto, renters, business, and life insurance.

Competitive Pricing

Expect competitive pricing on Securian Casualty’s insurance products. Obtain a free quote online or by reaching out to a customer service representative.

Excellent Customer Service

Count on excellent customer service from Securian Casualty Company. A dedicated team of representatives is available to address your queries and assist with your claims.

Discounts and Promotions

Enjoy potential savings through discounts and promotions on Securian Casualty’s insurance products. Bundle policies, take a defensive driving course, or pay premiums early to cut costs.

Variety of Payment Options

Choose from various payment options to conveniently pay your premiums at Securian Casualty. Pay online, by phone, or by mail. Set up automatic payments for hassle-free deductions.

Comprehensive Resources

Access a wealth of resources at Securian Casualty to enhance your insurance knowledge. Find articles, videos, calculators, and FAQs covering different insurance aspects.

Customer Loyalty

Securian Casualty values customer loyalty, rewarding long-term policyholders with discounts for their continued trust.

Community Involvement

As part of its commitment to giving back, Securian Casualty actively supports various charitable organizations, contributing to the well-being of the community.

Frequently Asked Questions (FAQs)

General Queries

  1. What types of insurance does Securian Casualty offer?
  2. How can I contact customer support in case of an emergency?

Coverage Specific Questions 3. What factors influence premium costs?

  1. Can I change my payment plan after purchasing a policy?

Conclusion

Securian Casualty emerges as a reliable and customer-centric insurance provider. The company’s history, diverse offerings, competitive pricing, and commitment to customer satisfaction position it as a formidable choice in the insurance market. By considering the outlined factors, individuals and businesses can make informed decisions about their insurance needs.

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