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Wawanesa Insurance Review 2021
Wawanesa Insurance specializes in selling coverage to drivers with clean driving records in California and Oregon. Wawanesa was established in 1896 as Farmers Mutual Insurance based in Canada. However, it opened a branch in the United States in 1979 selling auto, home, condo, and renters insurance. Wawanesa is one of the most established insurance companies relative to its size and coverage options. If you want a comprehensive insurance policy to go along with your clean driving profile, Wawanesa could be the right fit for you. Read on to learn about Wawanesa's reviews, ratings, coverage options, discounts, and more.
Wawanesa reviews and ratings
- Customer satisfaction ratings are average.
- Gets fewer complaints to state regulators regarding home and auto insurance than other companies relative to its size.
- Offers rideshare insurance in most states.
Wawanesa Auto Insurance Rating
4.0
Wawanesa car insurance garnered 4 stars based on its overall performance in delivering competitive insurance coverage. We calculated Wawanesa’s rating by looking closely at its policy rates for different drivers, financial stability, ease of making a claim, discounts, and complaint information from the National Association of Insurance Commissioners. Upon examining these factors, we recognized Wawanesa as one of the dependable car insurance companies for drivers with good driving profiles.
Wawanesa’s Insurance Application Eligibility Consideration
- Only one at-fault accident is accepted.
- Only one traffic violation is considered.
- A driver’s license for at least three years.
Wawanesa Car Insurance Coverage Discounts
- At Least One Year Policy With Wawanesa Perks
- Good Driver Discount
- Multi-Car Discount
- Driver Improvement Course Completion Discount *applies to drivers aged 55 and above
Wawanesa Homeowners Insurance
Wawanesa provides competitive renters, condo, and homeowners insurance coverage. They also offer various perks and discounts such as:
| Wawanesa Home Insurance Coverage | Description |
|---|---|
| Contents Replacement Cost | Wawanesa will cover the replacement cost of your valued items such as antiques and memorabilia. |
| Inflation Guard | Wawanesa will keep your rate equal to the replacement value of your resident despite the cost of replacing your home is significantly higher. |
| Dwelling Extended Replacement Cost | Wawanesa will make sure that your home will be rebuilt if in any case that it acquired damages that the expense is more than the policy limit. *This coverage does not include earthquake damages. |
| Wildfire Defense Program | Wawanesa helps protect your properties against the risk of wildfires that can be triggered by fuel source mitigation, closing structure opening, and other sources of wildfires. |
Wawanesa Additional Home Insurance Coverage Option
| Wawanesa Optional Home Insurance Option | Description |
|---|---|
| Increased Valuable Limits | Wawanesa will provide extended coverage for money, silverware, firearms, etc. |
| Scheduled Property | Wawanesa will pay out specific valuable items when damaged. *Appraisals are required to have them covered. |
| Earthquake Coverage | This coverage is only available in California. Wawanesa will offer coverage in cases of earthquakes. |
| Identity Fraud | Wawanesa will cover up to $25,000 of coverage to expenses relating to the crime. |
| Home System Protection | Wawanesa will offer coverage up to $50,000 for accidental breakage of appliances and vital systems in the house. |
Wawanesa Home Insurance Discounts
- Multi-Policy Discount
- Non-Smoker Discount
- Burglar System Installation Discount
- Sprinkler System Installation Discount
- Automatic Water System Installation Discount
Wawanesa Customer Satisfaction Assessments
Wawanesa is considered one of the most reliable insurance companies in the country. It has very low customer complaints garnered from the National Association of Insurance Commissioners relative to its size for the car and home insurance.
Wawanesa’s overall rating in the US is above average with significant consideration to the range it covers across the nation. Here is a comprehensive study from the 2019 J.D. Power Study:
| Assessment Category | Wawanesa’s Customer Satisfaction Rating |
|---|---|
| Auto Insurance Policy Claim Satisfaction | Average |
| Auto Insurance Shopping Satisfaction | Average |
| Home Insurance Policy Satisfaction | Average |
| Property Insurance Claims Satisfaction | Average |
Wawanesa’s Digital Platforms
| Digital Platform | Description |
|---|---|
| Wawanesa’s Website | Wawanesa has a holistic website that caters to all the services they provide and contains pages specific to their target location. It highlights traffic violations that will cause the denial of your application. Using the website, you can easily get a quote, and learn more about their products and services. |
| Wawanesa’s Mobile Application | Wawanesa’s mobile app lets you pay your bills, manage or access your policies, check claim status, and roadside assistance. |
Wawanesa Client Satisfaction Pros and Cons
| PROS | CONS |
|---|---|
| Wawanesa offers cheaper rates in comparison to other insurance providers. | Wawanesa garnered average customer satisfaction ratings compared to other companies. |
| Wawanesa’s transparency regarding traffic violations that result in application denial is commendable. | Wawanesa’s services are limited only in California and Oregon. |
| Wawanesa offers competitive and extensive homeowners insurance options. | They often deny a lot of clients due to traffic violations and other offenses. |
Insurance Online Car Insurance Rating and Review Methodology
We commend every insurance company that extends value to customer-first features and operations. The rating we disclose is assessed through weighted averages and scores from several categories: financial stability, customer complaints and satisfaction, transparency of their digital platforms, and competitive pricing.
Moreover, we conduct customer satisfaction surveys to extensively provide reviews and ratings that are dependable and fair. However, it is best to compare several insurance companies to account for your judgment and needs.
*Insurance Online is not compensated with our ratings and reviews by any insurance companies.
Insurance Online Complaints Methodology
We examine the complaints from state insurance regulators that are reported to the National Association of Insurance Commissioners (NAIC) between 2017-2019. NAIC extensively calculates the complaint index yearly following each subsidiary to measure the company size’s total share of complaints in ratio.
Wawanesa Insurance FAQs
Why does my policy document from Wawanesa look a bit different in contrast to others?
Wawanesa just currently redesigned their document for easier comprehension and readability.
How do I request a copy of my documents from Wawanesa?
If you need a copy of your policy and any other insurance documents, contact your broker directly. He/she will be the one to get in touch with Wawanesa.
What if I want to get a new broker but still want to continue my policy with Wawanesa?
You can sign a Letter of Brokerage with your new broker to change your current broker.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.