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Allied Home Insurance Review


Rating: 8.4 / 10 (Excellent)
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Founded in 1929 and headquartered in Des Moines, Iowa, Allied Insurance is a subsidiary of Nationwide Mutual Insurance Company. As part of one of the largest insurance and financial services companies in the U.S., Allied employs over 4,000 individuals across the nation and offers customizable protection for such products as auto, home, powersports, and personal umbrella insurance.

How is Allied Home Insurance rated?

Breakdown

9/10
Financial Strength
8/10
Customer Experience
9/10
Pricing & Discounts
7/10
Coverage

Overall Rating: 8.4 / 10 (Excellent)

Allied Home Insurance is a division of Nationwide, one of the most financially stable and respected insurers in the country. Nationwide has been in business for over 90 years and is one of the country's highest-rated insurance companies in terms of its financial strength. It offers consumers an unusually wide array of customizable insurance options. The company is a solid choice, particularly for those who prefer to deal with their insurers in person or over the phone, rather than through an internet connection.

Financial Strength

Key Details

Underwriter
Nationwide
Marketshare 2016
3.61%
Standard & Poor's Financial Rating
A+
Moody's Financial Rating
A1
AM Best Financial Rating
A+

Financial Strength - 9 / 10

Nationwide's prudent management and nine decades of business have resulted in exceptionally strong ratings from Standard & Poor's, AM Best, and Moody's. The company's broad-base coverage area also adds an element of financial security.
*The above information reflects the financial strength of the underwriter of the Allied Home Insurance home insurance policies: Nationwide.

Customer Experience

National Association of Insurance Commissioners

NAICS Complaint Ratio 2016
0.38
NAICS Total Complaints 2016
8
*The NAICS complaint ratio (in this case 0.38) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

J.D. Power 2016 Home Insurance Study

JD Power Overall Customer Satisfaction Score
3 out of 5 (About Average)
Policy Offerings
3 out of 5 (About Average)
Claims
3 out of 5 (About Average)
Interaction
3 out of 5 (About Average)
Price
3 out of 5 (About Average)
Annual Statement & Billing
3 out of 5 (About Average)

Customer Ratings

BBB Rating
A+
Number of BBB Positive Reviews
2
Number of BBB Neutral Reviews
3
Number of BBB Negative Reviews
94
Date Collected
2017-12-10

Customer Experience - 8 / 10

The company is accredited by the BBB, with an A+ rating. It has a very low NAICS ratio of 0.38, suggesting a much smaller than average number of consumer complaints than usual for a comparably-sized company. As a legacy insurer, Nationwide gives its customers the options of interacting through call-based agents as well as via the internet or phone. The company's website provides functional, essential services.

Allied Home Insurance Coverage

Basic Coverage

  • Dwelling Protection
  • Other Structures Protection
  • Personal Property Protection
  • Liability Protection
  • Guest Medical Protection

Additional Coverage

  • Water Backup Coverage
  • Enhanced Dwelling Protection
  • Scheduled Personal Property Coverage

Coverage - 7 / 10

Nationwide offers standard coverage for their policies-structures, personal property, and liability. However, they also provide a number of optional add-ons that other carriers do not provide, such as replacement-value coverage, upgraded roof insurance, coverage for rare and high-value items, insurance against sewer back-ups, earthquakes, and floods, umbrella liability insurance, and medical payments coverage.

Pricing & Discounts

Household Discounts

  • New Home
  • Home Safety Features

Policy Discounts

  • Multi-Policy
  • Higher Deductible
  • Claim-Free

Pricing & Discounts - 9 / 10

Nationwide's pricing is on par with that of other large, well established insurers. It offers discounts for holders of other Nationwide policies, for people who have not had homeowners claims before, for customers over the age of 60, and for individuals whose houses feature protective devices such as alarms and smoke detectors.

Contact & Additional Information

Homepage URL
Company Phone
(800) 532-1436
Headquarters Address
1100 Locust Street, Des Moines, IA, 50391
Year Founded
1926

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9.8 / 10
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