---
title: "Assurant Insurance Review [Updated 2026]"
description: "Assurant offers renters insurance, lender-placed homeowners coverage, and specialty insurance products through subsidiaries including American Bankers Insurance Company of Florida. Founded in 1892 with over 125 years of experience."
canonical: "https://www.coveragecat.com/reviews/assurant"
last-updated: "2026-08-13"
---

# Assurant Insurance Review [Updated 2026]

1. [Introduction to Assurant Insurance](#introduction)
2. [What Kinds of Insurance Does Assurant Offer?](#typesofinsurance)
3. [Does Assurant Sell Homeowners Insurance?](#sellhomeowners)
4. [Does Assurant Sell Renters Insurance?](#sellrenters)
5. [Does Assurant Sell Auto Insurance?](#sellauto)
6. [How Does Assurant Insurance Work?](#howdoesitwork)
7. [Pros and Cons of Assurant Insurance](#proscons)
8. [Ratings and Customer Feedback for Assurant Insurance](#ratings)
9. [Get Customer Support Or File A Claim For Assurant Insurance](#customersupport)
10. [Frequently Asked Questions](#faq)

## <a id="introduction"></a>Introduction to Assurant Insurance

Assurant traces its roots to the La Crosse Mutual Aid Association, established to sell disability insurance in Wisconsin in the early 1890s. The company was renamed Assurant and spun off from parent company Fortis in 2004. Today, Assurant ranks 325 on the Fortune 500 list and operates as a global protection company in more than 20 countries.

Assurant describes itself as "a premier global protection company" serving connected devices, homes, and automobiles [(Assurant, "What is Assurant", 2026)](https://www.assurant.com/about-us/company-overview?page=1). Headquartered in Atlanta, Georgia and founded in 1892, the company operates through multiple subsidiaries including American Bankers Insurance Company of Florida, American Security Insurance Company, Reliable Lloyds Insurance Company, Standard Guaranty Insurance Company, Virginia Surety Company Inc, and Voyager Indemnity Insurance Company.

The Fortune 500 insurer employs more than 14,000 people and protects 325 million consumers across 21 countries [Ibid.](https://www.assurant.com/about-us/company-overview?page=1). Assurant operates through two main segments: Global Lifestyle and Global Housing. The Global Lifestyle segment offers mobile device solutions, extended service contracts for consumer electronics and appliances, vehicle protection services, and financial services. The Global Housing segment provides lender-placed homeowners insurance, manufactured housing and flood insurance, renters insurance, and voluntary condominium and homeowners insurance products.

## <a id="typesofinsurance"></a>What Kinds of Insurance Does Assurant Offer?

Assurant offers a range of insurance products focused on personal lines coverage:

**Renters Insurance:** Assurant renters insurance is available in all 50 states plus Washington, D.C. The company partners extensively with property management companies to provide [renters insurance](https://www.coveragecat.com/insurance-types/renters-insurance) coverage.

**Lender-Placed Insurance:** Assurant is the market leader in lender-placed insurance and outsourcing solutions, offering lender-placed hazard, flood, wind and REO insurance.

**Flood Insurance:** Assurant offers flood insurance through the National Flood Insurance Program (NFIP) in all states except Florida, Hawaii, and D.C.

**Condo Insurance:** Assurant's condo insurance policies come with standard coverages, including liability, contents, interior, and loss of use.

**Manufactured/Mobile Home Insurance:** Assurant specializes in manufactured and mobile home insurance coverage.

**Mobile Device Protection:** Assurant protects over 47 million mobile phones and provides device protection services.

**Home Warranty:** Assurant offers home warranty plans with emergency hotel reimbursements and 24/7 claim specialist support [(Assurant, "Assurant Home Warranty", 2026)](https://www.assurant.com/home-warranty).

## <a id="sellhomeowners"></a>Does Assurant Sell Homeowners Insurance?

Assurant sells homeowners insurance primarily through lender-placed programs rather than voluntary direct-to-consumer policies. Lender-placed insurance is a regulated insurance policy placed by a bank or mortgage servicer on a home when the homeowner's own property insurance may have lapsed or where the bank deems the homeowners' insurance insufficient.

Every year, lender-placed insurance covers only 1% to 2% of all mortgaged properties. Lender-placed insurance is typically more expensive than homeowner-purchased insurance because it is provided regardless of the condition or location of the property, resulting in higher exposure to potential claims.

For renters and homeowners policies sold directly, coverage is underwritten by American Bankers Insurance Company of Florida in most states, with American Security Insurance Company underwriting in Minnesota and Voyager Indemnity Insurance Company in Georgia.

## <a id="sellrenters"></a>Does Assurant Sell Renters Insurance?

Yes, Assurant is a major provider of [renters insurance](https://www.coveragecat.com/insurance-types/renters-insurance) nationwide. In business for more than 125 years, Assurant is one of the leading renters insurance companies in the country, offering customizable policies and partnerships with property management companies.

The company offers affordable renters insurance products in all 50 U.S. states, with lower premiums than many of its competitors thanks to its extensive network of partnerships with property management companies.

**Coverage Options:**

Assurant renters insurance includes replacement cost coverage for personal belongings rather than actual cash value, meaning policyholders receive enough money to buy brand-new items rather than a lower amount reflecting their depreciated value. The policy covers bedbug damage and extermination in some states, and allows adding roommates to a policy at no extra cost.

Optional coverages include damage caused by pets, identity theft expenses, rent payment if you lose your job, and earthquake damage.

## <a id="sellauto"></a>Does Assurant Sell Auto Insurance?

No, Assurant does not sell traditional [auto insurance](https://www.coveragecat.com/insurance-types/car-insurance). The company focuses on vehicle protection services and extended warranties through its Global Lifestyle segment rather than standard auto liability coverage.

## <a id="howdoesitwork"></a>How Does Assurant Insurance Work?

**Renters Insurance Process:**

Assurant sells renters insurance both directly to consumers and through partnerships with property management companies. The company's Cover360 suite of solutions is designed exclusively for property management companies, delivering end-to-end risk management and excellent resident experiences in a single renters insurance program.

As soon as residents sign a lease, Assurant emails or texts them a link to an online portal where they can easily purchase a pay-with-rent policy or upload a third-party policy, with coverage included under Cover360 Plus. Once a resident purchases an Assurant policy, coverage begins immediately or as of the listed effective date, and Assurant continuously monitors all tracked policies for up-to-date coverage.

**Lender-Placed Insurance Process:**

Homeowners are required to be notified at least 45 days prior to the placement of a lender-placed insurance policy with another reminder notice sent if the borrower has not responded, giving homeowners the ability to renew a lapsed policy or secure their own insurance coverage before LPI is utilized.

**Claims Process:**

When a customer with a lender-placed insurance policy needs to file a claim, Assurant is available 24 hours a day, 7 days a week, 365 days a year, with the industry's largest in-house lender-placed claims team.

## <a id="proscons"></a>Pros and Cons of Assurant Insurance

<div class="grid">
  <div class="column">
    <p><b>Pros</b></p>
    <ul>
      <li><a href="https://news.ambest.com/newscontent.aspx?refnum=268842">A.M. Best affirmed Assurant's Financial Strength Rating at A+ (Superior) in September 2025</a></li>
      <li>Nationwide availability for renters insurance across all 50 states</li>
      <li>Replacement cost coverage for personal belongings included in standard renters policies</li>
      <li>Extensive partnerships with property management companies</li>
      <li>24/7 claims support available</li>
      <li>Unique coverages like bedbug extermination in select states</li>
      <li><a href="https://www.businesswire.com/news/home/20260210146531/en/Assurant-Reports-Strong-Fourth-Quarter-and-Full-Year-2025-Financial-Results">Nine consecutive years of profitable growth with 2025 GAAP net income of $872.7 million, up 15% year-over-year</a></li>
    </ul>
  </div>
  <div class="column">
    <p><b>Cons</b></p>
    <ul>
      <li><a href="https://insurancenewsnet.com/oarticle/consumers-complained-the-most-about-these-insurance-companies-in-2024-report-says-insurify">American Bankers Insurance registered the highest complaint score among large home insurance companies with a 2024 score of 5.46 stemming from 311 complaints</a></li>
      
      <li>Limited direct homeowners insurance options (mainly lender-placed)</li>
      <li>Website lacks detailed coverage information compared to competitors</li>
      <li>Does not offer auto insurance or umbrella coverage</li>
      <li><a href="https://violationtracker.goodjobsfirst.org/?order=primary_offense&parent=assurant&sort=asc">Incurred approximately $374.65 million in penalties since 2000, primarily for consumer-protection and insurance violations</a></li>
    </ul>
  </div>
</div>

## <a id="ratings"></a>Ratings and Customer Feedback for Assurant Insurance

### Financial Strength Ratings

In September 2025, AM Best affirmed the Financial Strength Rating of A+ (Superior) and the Long-Term Issuer Credit Ratings of "aa-" (Superior) for Assurant's U.S. property/casualty subsidiaries [(A.M. Best, "A.M. Best Affirms Credit Ratings", 2026)](https://news.ambest.com/newscontent.aspx?refnum=268842). The ratings reflect the group's balance sheet strength, supported by risk-adjusted capitalization at the strongest level, very strong earnings power, strong positive cash flows and new capital formation.

| Rating Agency | Financial Strength | Outlook |
|---------------|-------------------|---------|
| AM Best | A+ (Superior) | Stable |
| BBB | A+ | Accredited |
| Moody's | Baa1 | Stable |
| S&P | BBB+ | Stable |

### Customer Reviews Summary

| Source | Avg. Rating & Count | Representative Quote | Takeaway |
|--------|---------------------|----------------------|----------|
| [**Trustpilot**](https://ie.trustpilot.com/review/assurant.com?page=7) | 4.5 ★ (≈ 33,113 reviews) | "Customer service was excellent, very friendly, very helpful." | Strong satisfaction with service experiences |
| [**BBB Business Profile**](https://www.bbb.org/us/fl/miami/profile/insurance-companies/assurant-inc-0633-92018475) | A+ (BBB Accredited) | "Great customer service. Quick and easy to replace my device." | BBB accredited with thousands of complaints filed |
| [**U.S. News**](https://www.usnews.com/insurance/renters-insurance/assurant) | 4 ★ out of 5 | "Assurant offers a comprehensive renters insurance policy and optional coverages" | Quality coverage with strong options |

### Real Customer Reviews for Assurant Insurance

<div class="grid customer-review">
  <div class="column">
    <p>2 ★</p>
    <p><b>Sarah C., 2024</b></p>
    <p><a href="https://www.trustpilot.com/review/assurant.com"><span class="text-muted">via Trustpilot</span></a></p>
  </div>
  <div class="column">
    <p>I cannot begin to express how disappointing my experience has been with Assurant. Despite holding renters insurance with Assurant for many years the one time I need them they have been cold, and unresponsive. A water line break caused water to pour into my apartment, ruining most of my belongings. The amount of time I am now having to spend just with outreach is making a sad and stressful situation even worse.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>1 ★</p>
    <p><b>Customer Complaint, May 2025</b></p>
    <p><a href="https://www.bbb.org/us/fl/miami/profile/insurance-companies/assurant-inc-0633-92018475/complaints"><span class="text-muted">via BBB Complaints</span></a></p>
  </div>
  <div class="column">
    <p>On or about May 14, 2025, I filed a claim with Assurant for my broken phone. After spending hours on the phone with Assurant, I found out that Assurant claims the box was empty and I need to file an investigation with USPS. USPS will only investigate claims made within 60 days so it is too late. I cannot get through to anyone at Assurant who has any authority to remove the charge.</p>
  </div>
</div>

## <a id="customersupport"></a>Get Customer Support Or File A Claim For Assurant Insurance

### Customer Support

**Renters Insurance:**
- **Phone:** 1-800-432-8612 (Monday through Friday 8 a.m. to 8 p.m. EST) or 1-866-720-3213
- **Mail:** American Bankers Insurance Company of Florida, Specialty Services, 5th Floor, P.O. Box 979220, Miami, Florida 33197
- **Online:** Visit [myassurantpolicy.com](https://myassurantpolicy.com/) to manage your policy

**Flood Insurance:**
- **Phone:** 800-423-4403 (Claims or Policy Assistance)

**Housing Policies:**
- **Online:** Visit [assurant.com/claims-and-support/housing-policies](https://www.assurant.com/claims-and-support/housing-policies)

### Filing Claims

Customers can file claims 24 hours a day, 7 days a week, 365 days a year. For renters insurance claims, you can file online at [assurant.com/claims-and-support/renters-insurance](https://www.assurant.com/claims-and-support/renters-insurance) or contact customer service directly.

For home insurance claims, call Assurant's 24/7 claims department at 800-358-6000.

## <a id="faq"></a>Frequently Asked Questions

### Is Assurant Insurance a Real Insurance Company?

Yes, Assurant is a legitimate Fortune 500 insurance company that has been in business since 1892. Assurant's property/casualty subsidiaries hold an AM Best Financial Strength Rating of A+ (Superior), indicating strong financial stability [Ibid.](https://news.ambest.com/newscontent.aspx?refnum=268842).

### How Does Assurant Make Money?

Assurant generates revenue through insurance premiums, service fees, and commissions on protection products. The company earns income through premiums on insurance products and risk management services, and monetizes service plans and protection products for consumer electronics, mobile devices, and vehicles. In 2025, Assurant reported GAAP net income of $872.7 million, a 15% increase from the prior year [(Business Wire, "Assurant Reports Strong Fourth Quarter", 2026)](https://www.businesswire.com/news/home/20260210146531/en/Assurant-Reports-Strong-Fourth-Quarter-and-Full-Year-2025-Financial-Results).

### Is Assurant Renters Insurance Worth It?

Assurant renters insurance can be worth it as it provides valuable coverage for your belongings at a relatively low price. The company offers replacement cost coverage and unique benefits like bedbug protection in select states. However, prospective customers should be aware that American Bankers Insurance Company of Florida, Assurant's primary underwriting subsidiary, registered a NAIC complaint index of 2.16 compared to the national average of 1.00 [(NAIC, "Consumer Insurance Search", 2026)](https://content.naic.org/cis_consumer_information.htm).

### What is American Bankers Insurance Company of Florida?

American Bankers Insurance Company of Florida is Assurant's primary underwriting subsidiary for renters insurance in most states, with its home office in Miami, Florida. The company has been in business since 1947 and has $2 billion in gross written premiums.

### Does Assurant Offer Umbrella Insurance?

No, Assurant does not offer [umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance) policies. The company focuses on renters insurance, lender-placed homeowners coverage, mobile device protection, and other specialty insurance products.

### Should I Buy Assurant Insurance?

Assurant may be a good choice for renters seeking affordable coverage with replacement cost benefits, particularly if your property management company partners with Assurant. The company's A+ Superior financial strength rating from AM Best provides confidence in its ability to pay claims. Assurant achieved nine consecutive years of profitable growth through 2025, with GAAP net income reaching $872.7 million [(Business Wire, "Assurant Reports Strong Fourth Quarter", 2026)](https://www.businesswire.com/news/home/20260210146531/en/Assurant-Reports-Strong-Fourth-Quarter-and-Full-Year-2025-Financial-Results).

However, American Bankers registered the highest complaint score among large home insurance companies in 2024 with a score of 5.46 stemming from 311 complaints, with most complaints related to claims handling and inadequate settlements or offers. The company has incurred approximately $374.65 million in penalties since 2000, mainly for consumer-protection and insurance violations [(Violation Tracker, "Violation Tracker - Assurant", 2026)](https://violationtracker.goodjobsfirst.org/?order=primary_offense&parent=assurant&sort=asc). Prospective customers should carefully evaluate their options and compare multiple providers before making a decision.

If you need [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) or [umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance), you may want to explore other carriers that specialize in these products. Coverage Cat can help you compare quotes from multiple insurers to find the best coverage for your needs.