SECURA Insurance: A Comparison of Coverage and Costs with Competitors

If you're in the market for a new insurance provider, you might be considering SECURA Insurance. SECURA Insurance offers a range of coverage options, including auto, home, and business insurance.

SECURA Insurance's coverage is often compared to that of other major insurance companies. In terms of cost, SECURA Insurance tends to be competitive with other providers.

One key factor to consider when choosing an insurance provider is the cost of premiums. According to the data, SECURA Insurance's premiums are often lower than those of competitors like State Farm.

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Secura insurance is available in 13 states, including Arizona, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, North Dakota, Pennsylvania, and Wisconsin.

Secura is based in Appleton, WI, and Wisconsin is the only state where it's a major provider of both home and car insurance.

If you live in Pennsylvania or Kansas, you can only access specialty policies like business insurance, not home and auto insurance.

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Secura insurance is only available in 13 states: Arizona, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, North Dakota, Pennsylvania, and Wisconsin.

Secura is based in Appleton, WI, and Wisconsin is the only state where it's a major provider of both home and car insurance.

You can get Secura's home and auto insurance in 12 states: Arizona, Colorado, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Missouri, North Dakota, and Wisconsin.

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SECURA's legacy is marked by a unique product offering, such as the MILE-STONE package, which set them apart in the market.

Their strong customer relationships were a key factor in their success, particularly in Wisconsin and Minnesota where they had a substantial presence.

SECURA's withdrawal from the market leaves a significant gap, especially in the areas where they were most established.

This opens up opportunities for other insurers to fill the void, but it also raises questions about the evolving dynamics in personal insurance.

The shift in the market caused by SECURA's exit will likely have a lasting impact on the industry.

SECURA has a surprisingly strong customer satisfaction rating, with 4.4 out of 5 stars on Google reviews and 5 out of 5 stars in the customer satisfaction category. This is a testament to the company's dedication to providing good service.

Customers praise SECURA for its quick and easy claims process, with many reviewers commenting on how smooth and efficient the process was. However, not all commenters were positive, with some users giving the company 1 star after a difficult claims process.

SECURA's customer service team is also a major plus, with a dedicated team that is available to help with any questions or concerns. The company's financial rating is also excellent, with an A rating from AM Best, which shows that SECURA has a strong ability to pay its claims.

Here's a breakdown of SECURA's customer experience metrics:

SECURA's customer experience is a major selling point, and it's clear that the company is committed to providing good service to its customers.

If you need to reach Secura for general questions or concerns, you can call their main phone number, 800-558-3405. This number is available for Arizona and Colorado residents as well.

You can also call 866-356-7870 if you live in Arizona or Colorado.

If you have a specific question or need to reach a certain department, you can use the following phone numbers:

Customer reviews can give you a good idea of what to expect from an insurance company. SECURA has limited reviews online, possibly due to its small size.

SECURA earns 4.08 stars out of 5 on Clearsurance and 1 out of 5 stars on the Better Business Bureau (BBB). However, BBB reviews are often low for many insurance companies.

Positive reviews mention low rates and great customer service. Customers have had great experiences with SECURA's coverage pricing.

Negative reviews mention a crummy claims experience or unexpected rate increases. Some customers felt duped by the company when their policy rate shot up at renewal.

A key thing to note is that SECURA often replies to reviews. This shows that the company is willing to listen to customer feedback and address any issues.

Customers are generally satisfied with their policies, according to Google reviews. SECURA has 4.4 out of 5 stars, across 396 reviews.

Here are some key statistics about SECURA's customer satisfaction:

Financial strength: A (Excellent)

Google reviews: 4.4 out of 5 stars

Some customers have had a difficult claims process and not gotten their desired outcome. However, many recent reviewers commented about how the claims process was quick and easy.

SECURA's excellent financial strength is a plus, with an A rating from AM Best. This shows that the company has a strong ability to pay its claims.

One downside of SECURA is its lack of digital tools. You can't log in to check your policy or track a claim. There also isn't a mobile app.

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Progressive is a notable player in the insurance industry, and it's worth considering their strengths and weaknesses. Progressive's rates are lower than average, which is a significant advantage for customers.

One area where Progressive stands out is its extensive discount options. According to our research, Progressive offers far more discount options than Secura. This could be a major perk for those looking to save money on their insurance premiums.

If you're a customer who values 24/7 customer service, Progressive might be the way to go. They offer this service, whereas Secura's customer service is only available during certain hours.

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Secura offers two home and auto insurance packages called MILE-STONE Basic and MILE-STONE Gold. The Basic package is similar to a typical insurance policy where you can add on the coverage extras that you choose.

Secura's MILE-STONE Gold package has more types of coverage included and has higher limits, meaning it will cover more of your repair costs. This package is ideal for those who want higher amounts of protection in situations such as damage from a drain line backup or stolen jewelry.

Here's a comparison of some of the key features of the two packages:

Secura's MILE-STONE Gold package also includes identity theft coverage, which can be a valuable addition to your insurance policy.

Secura only sells policies through local agents, so you won't be able to buy insurance directly from them. You'll need to work with a local agent to get a policy.

An agent can help you compare rates from multiple insurance companies, which is a big perk for some people. They can also give you personalized service and help you choose the right coverage for your situation.

If you live in a rural area, you might not have as many options for agents as someone living in a major city. But that doesn't mean you can't get the help you need.

Here are some ways an agent can assist you:

If you're looking for affordable car insurance, Secura is definitely worth considering. Their average monthly rate for all drivers is $146, which is lower than the national average of $205.

Secura's rates vary depending on the type of coverage you choose. For liability coverage, their average monthly rate is $69, compared to the national average of $117. That's a savings of $48 per month.

If you're a senior driver, you'll be happy to know that Secura's rates are even lower. Their average monthly rate for seniors is $112, which is $43 less than the national average.

Here's a breakdown of Secura's average monthly rates for different driver profiles:

Secura's home insurance rates are also very competitive, with an average annual rate of $646, which is 28% cheaper than the national average.

If you're looking for discounts on your car insurance, Secura offers a few unique options, including a discount for having a hybrid car.

Secura Insurance offers two home and auto insurance packages: MILE-STONE Basic and MILE-STONE Gold. The Gold package has more types of coverage included and higher limits, covering more of your repair costs.

The Basic package is similar to a typical insurance policy, where you can add on coverage extras that you choose. This flexibility can be helpful if you only need basic coverage.

Secura's Gold package includes pet coverage after an accident, which is a great feature if you have pets that ride in your car. Identity theft coverage is also included in the Gold package, providing an added layer of protection.

You can add identity theft coverage to the Basic package if you want extra protection against identity theft. However, it's not included in the Basic package by default.

Secura's Pet Protector feature helps pay for vet bills up to $500 per pet or $1,500 per incident if your dog or cat is injured in certain circumstances. There's no deductible, and you can take your pet to any vet you choose.

Here's a comparison of the coverage types included in Secura's packages:

Travel Rescuer is a great feature for frequent travelers, providing help in emergencies when you're more than 100 miles from home.

It can assist with replacing lost or stolen documents, referring you to doctors, dentists, or lawyers, and even help with evacuation or transportation in case of a medical emergency.

This program is also useful when traveling internationally.

Comprehensive and collision coverage are also available for drivers who purchase car insurance from Secura, paying to repair or replace your car in case of an accident or damage from something out of your control.

These types of coverage are required if you have a car loan or lease.

SECURA's car insurance rates are lower than the national average for all driving profiles. This means you can expect to pay around $146 per month for a standard policy.

If you're a teen driver, you'll pay a bit more at $312 per month, but that's still lower than the national average. Seniors, on the other hand, can get a discount, paying around $112 per month.

Here's a breakdown of SECURA's average monthly rates compared to the national average:

Drivers with a recent speeding ticket or at-fault accident will pay a bit more, but still less than the national average.

Car Price is a crucial factor to consider when purchasing a vehicle, but it's not the only thing to think about. In fact, it's often overshadowed by the cost of car insurance.

SECURA car insurance rates can vary significantly depending on the driver's profile, with an average monthly rate of $146 for all drivers.

Liability coverage is the most affordable option, with an average monthly rate of $69. This is $48 less than the national average.

Full coverage, on the other hand, is the most expensive option, with an average monthly rate of $223. This is still $70 less than the national average.

Here's a breakdown of the average monthly rates for different driver profiles:

Teens pay the highest average monthly rate, with $312, but they can still save $159 per year with SECURA.

Seniors, on the other hand, pay an average monthly rate of $112, which is $43 less than the national average.

Drivers with a recent speeding ticket pay $123 per month, which is $64 less than the national average.

Drivers with a recent at-fault accident pay $129 per month, which is $83 less than the national average.

Drivers with a recent DUI pay $245 per month, which is only $37 less than the national average.

Drivers with poor credit pay an average monthly rate of $180, which is $118 less than the national average.

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Secura is one of the cheapest companies for car insurance, with an average cost of $94 per month for full coverage. This is a significant savings compared to other major car insurance companies in the U.S.

Secura's rates for full coverage are usually a better deal than its minimum coverage rates. This is why it's worth considering full coverage if you can afford it.

Secura costs an average of $94 per month for full coverage car insurance. This is cheaper than Erie, another affordable car insurance company.

For those on a tighter budget, Secura's minimum coverage rates are still relatively affordable, but not as cheap as Erie and American Family.

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Secura Insurance offers two home and auto insurance packages: MILE-STONE Basic and MILE-STONE Gold. The Gold package has more types of coverage included and higher limits, making it a better option if you want extra protection.

The Basic package is similar to a typical insurance policy, where you can add on coverage extras that you choose. This means you can customize your coverage to fit your needs.

One key difference between the two packages is the amount of protection they offer in situations like theft and missing items. The Gold package provides $10,000 in coverage, while the Basic package only offers $2,000.

If you're concerned about sewer and drain backups, you'll want to consider the Gold package, which offers $5,000 in coverage. This is a significant increase over the Basic package's $1,000 limit.

Here's a comparison of the two packages:

Secura's MILE-STONE Gold package also includes pet coverage after an accident, which is a valuable addition for pet owners. This coverage can help pay for vet bills up to $500 per pet or $1,500 per incident.

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If your SECURA policy is up for renewal, it's a good idea to start exploring alternative insurance providers. This can help you find a better fit for your needs.

Look for insurers that offer the coverage you need, have a strong reputation, and are known for excellent customer service.

Filing a claim with SECURA can be done in three ways: online, with your local agent, or with a claims representative over the phone.

You can choose the method that works best for you. The claims process starts once you've submitted your claim, which is then reviewed by an adjuster.

The company will issue payment after the adjuster has reviewed the damage. This is the standard process for filing a claim with SECURA.

However, some customers have reported mixed experiences with the claims processing. While many have had no issues, others have had a difficult time getting their claim processed and paid.

It's essential to communicate clearly with the claims representative to ensure a smooth process. This can help prevent any issues that might arise during the claims process.

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If your policy is up for renewal, start exploring alternative insurance providers that offer the coverage you need.

Look for insurers with a strong reputation and excellent customer service to ensure you're getting the best deal.

It's essential to shop around and compare policies from different insurers to find the one that suits your needs.

If your SECURA policy is nearing renewal, it’s crucial to start the process as soon as possible to avoid any gaps in coverage.

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SECURA Insurance has some notable competitors, and understanding how they stack up can help you make an informed decision.

Erie, another insurance company, offers annual rates as low as $590, significantly lower than SECURA's $646 annual rate.

State Farm, a large insurance company, has a stronger reputation and offers robust coverage options, but its customer satisfaction levels are lower than SECURA's.

Here's a comparison of the annual rates of some of SECURA's competitors:

SECURA has limited online reviews, but those that exist show a mixed picture. They earn 4.08 stars out of 5 on Clearsurance and 1 out of 5 stars on the Better Business Bureau (BBB).

Despite the low BBB rating, many customers praise SECURA for its low rates and great customer service. The company often replies to reviews, which is a positive sign.

However, some customers have had poor experiences with the claims process. One reviewer felt duped by the company when their policy rate shot up at renewal.

SECURA has a low rate of complaints, according to the National Association of Insurance Commissioners (NAIC), with 61% fewer complaints than a typical insurance company of its size. This is a significant advantage over many other insurance companies.

SECURA customers are generally satisfied with their policies, according to Google reviews. They have 4.4 out of 5 stars, across 396 reviews.

One area where SECURA falls short is in digital tools. You can't log in to check your policy or track a claim, and there isn't a mobile app. This might be a drawback for some customers who prefer to manage their policies online.

Here's a quick summary of SECURA's ratings:

Car monthly costs can vary significantly depending on your driving profile and insurance coverage options. If you're a young driver, you can expect to pay around $312 per month with SECURA, which is lower than the national average of $471.

SECURA's rates are actually lower than the national average across all driving profiles, with the average monthly rate being $146 compared to $205. This translates to an average annual savings of $59.

If you're a senior driver, you'll be happy to know that SECURA's rates are also lower than average, at $112 per month compared to $155. This works out to an average annual savings of $43.

Here's a breakdown of SECURA's average monthly rates compared to the national average for different driver profiles:

It's worth noting that SECURA offers some unique discounts, such as a discount for having a hybrid car, which could help lower your insurance costs.

When looking at the cost of home insurance, it's worth comparing Secura to its competitors. Secura's annual premium is $646, which works out to $54 per month.

The table below compares the annual and monthly premiums of Secura to other major insurance companies.

For example, Erie's annual premium is $590, which is lower than Secura's.

Secura's MILE-STONE Gold package offers higher protection amounts for certain situations, such as drain line backups and stolen jewelry. This is a significant difference from the Basic package, which doesn't include these extras.

The Gold package has higher limits, meaning it will cover more of your repair costs. This is a key consideration if you're looking for comprehensive coverage.

If you want the extra coverage options, you'll need to get the Gold package. The Basic package is more like a standard insurance policy, where you can add on the coverage extras that you choose.

Here's a comparison of the two packages:

The numbers speak for themselves - if you want higher protection amounts, the Gold package is the way to go.

State Farm is a large company that feels like a smaller one due to its local agents.

Its customer satisfaction levels are lower than some of its competitors, but State Farm has scores better for ease of use. State Farm has a stronger reputation, great discount opportunities, and robust coverage options.

SECURA Insurance is exiting the Personal Lines market, a move that's not unique to them, with many insurers reassessing their personal lines portfolios due to underwriting losses and rising reinsurance costs.

The challenges faced by mid-sized insurers like SECURA in the current economic and environmental climate have led them to focus on more profitable sectors, such as Commercial Lines, Specialty Lines, Agribusiness Lines, and Farm Lines.

Underwriting losses, particularly in the homeowners sector, have soared to unprecedented levels for SECURA, largely driven by catastrophic events and rising reinsurance costs in the upper Midwest.

This shift in focus is a strategic decision made by SECURA to adapt to the changing market and environmental conditions.

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SECURA Insurance has been making some notable moves in Wisconsin. Amy DeHart was promoted to senior vice president and chief actuary.

In the insurance industry, leadership promotions can signal changes in company direction. SECURA Insurance's promotion of Dan Ferris to chief legal officer is a prime example.

Regional leadership is also being recognized at SECURA Insurance. Tripp Humston was promoted to regional vice president–Sales.

It's not just SECURA Insurance making waves. AXA XL Risk Consulting also appointed Sheri Wilbanks as its global Casualty & Environmental Lines of Business manager.

As a homeowner, it's essential to be aware of the risks that can affect your property. I've seen my fair share of home disasters, from basement floods to surprise hailstorms.

Mother Nature can be unpredictable, and it's crucial to have the right insurance coverage to protect your home. SECURA Insurance can help you prepare for the unexpected.

Home disasters can happen at any time, and it's not just about the damage caused by natural disasters. Home insurance should also cover risks like unexpected events that can occur within your home.

Identity theft is a serious concern that can have devastating consequences. Secura provides up to $25,000 in coverage for costs if your identity is stolen.

Secura has partnered with ID Resolution to offer step-by-step support, including working with credit bureaus, banks, and law enforcement to help resolve the issue.

This type of support is invaluable in helping you navigate the complex process of identity theft recovery.

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As a homeowner, it's essential to be aware of the hidden risks that can leave you financially devastated. Basement floods can be a nightmare, and it's not just the water damage that's a concern, but also the potential for mold growth and structural damage.

From my experience, I've seen how surprise hailstorms can cause significant damage to roofs, siding, and even vehicles. Hailstones can be as large as golf balls, and the impact can be devastating.

Trees can fall unexpectedly, causing damage to your home and injuring people. This can happen due to strong winds, disease, or even just old age.

Your home's electrical system can be a ticking time bomb, waiting to cause a fire or electrocution. I've seen how faulty wiring and outdated electrical systems can lead to serious safety hazards.

You never know when a sewer line can back up, causing sewage to overflow into your home. This can be a messy and expensive problem to deal with, not to mention the health risks associated with sewage exposure.

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