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American Reliable Insurance Review & Complaints: Home & Motorcycle Insurance

Our American Reliable Insurance Company review finds a specialty company offering motorcycle and home insurance in addition to other services. American Reliable Insurance Company specialty coverages include ATVs, homes, and watercraft. American Reliable Insurance Company rates will be different from standard insurers, especially American Reliable home insurance.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 9, 2020

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The Highlights

  • American Reliable does not provide online quoting for its products
  • American Reliable provides specialized home insurance products as well as coverage for vehicles and watercraft
  • For those with specialized insurance needs, American Reliable is worth considering

Arizona-based American Reliable Insurance Company offers mainly specialty insurance coverage. American Reliable home insurance, motorcycle insurance, and specialty vehicle policies are available in most states. Riders know the importance of finding the best motorcycle insurance to cover any accidents or roadside problems. American Reliable is just one company that offers riders coverage.

We know you don’t want to spend all day researching and comparing prices. That’s why we wrote this American Reliable Insurance company review. The best way to get the coverage you need at the price you want is to shop around. Each insurance company will offer different coverage at different rates, so it’s always best to compare quotes.

Before diving into this American Reliable insurance company review, enter your ZIP code into our FREE quote tool above! You’ll be able to compare affordable motorcycle insurance rates from top auto insurance companies.

American Reliable Insurance Rates

You can use your American Reliable does not provide online quoting for its products, which is common practice for this type of company. However, the average car insurance rates for the state of Arizona are $81 a month or $972 a year.

Since it writes mainly specialty products and a lot of non-standard policies, we would not expect its rates to compete with a lot of the major insurance companies. So, if you’re comparing rates, it would be best to compare American Reliable to a similar company offering the same type of coverage.

The national average cost for motorcycle insurance is $702 a year, or $58.50 a month. For comparison, let’s look at the average annual and monthly cost of motorcycle insurance by state. Search for your state in the box.

Average Motorcycle Insurance Rates By State
Rank by Average RateStatesMonthly Motorcycle Insurance RatesAnnual Motorcycle Insurance RatesRate Difference vs. National Average
1California$113$1,36093.92%
2Louisiana$98$1,17567.55%
3Michigan$90$1,08354.35%
4New York$81$96938.07%
5Arizona$78$93533.27%
6Missouri$78$93433.11%
7Florida$76$91129.86%
8Rhode Island$74$88926.75%
9Georgia$74$88325.86%
10Tennessee$68$82016.83%
11Maryland$67$80114.12%
12Utah$66$79413.22%
13South Carolina$65$78111.36%
14Arkansas$64$7669.13%
15North Carolina$64$7638.71%
16Alabama$64$7628.67%
17New Mexico$63$7527.23%
18Delaware$62$7425.78%
19Idaho$62$7395.40%
20Texas$60$7233.01%
21Kentucky$60$7162.02%
22Oklahoma$59$7080.97%
23Virginia$59$7030.25%
24Washington$57$688-2.00%
25Illinois$56$677-3.52%
26Mississippi$56$677-3.53%
27Connecticut$56$668-4.73%
28Pennsylvania$55$661-5.79%
29West Virginia$54$653-6.91%
30Oregon$54$652-7.01%
31Massachusetts$54$649-7.52%
32Nevada$54$644-8.26%
33New Jersey$51$610-13.09%
34Indiana$50$606-13.67%
35Colorado$50$602-14.15%
36New Hampshire$50$601-14.30%
37Minnesota$49$592-15.58%
38Ohio$48$575-18.03%
39Hawaii$45$540-22.98%
40Alaska$45$540-23.05%
41Montana$44$532-24.14%
42Kansas$43$516-26.42%
43Vermont$43$515-26.59%
44Wisconsin$42$501-28.58%
45Maine$41$492-29.87%
46South Dakota$39$472-32.67%
47Nebraska$39$469-33.09%
48Wyoming$37$439-37.39%
49Iowa$34$414-41.01%
50North Dakota$32$382-45.56%
Get Your Rates Quote Now

How does your state stack up? Are you over or under the national average? Make sure to compare quotes to find the best rate you can and come in under that state average.

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American Reliable Products

American Reliable provides a specialized list of home insurance products as well as coverage for vehicles and watercraft. American Reliable insurance services offer one non-personal line of business, which is in agriculture. Although the company offers coverage for motorcycle/ATV, watercraft, mobile homes, farm auto, and other vehicles, American Reliable auto insurance is not currently offered.

Motorcycle/ATV

American Reliable writes both standard and non-standard motorcycle and ATV coverage for most types of bikes, as long as they are listed in a recognized motorcycle appraisal guide.

The company’s ideal customer is an experienced rider with a good driving record who garages their motorcycle. A new rider with a lot of traffic tickets is not a great candidate for this company.

American Reliable motorcycle insurance offers a solid program with all of the standard coverage as well as a wide range of optional add-ons. Here are some of the standard and additional coverages American Reliable offers:

  • Bodily injury and property damage liability – Covers damages to someone else in an at-fault accident
  • Collision – Covers damages to yourself or your property if you are at fault in an accident
  • Medical payments – Covers medical bills after an accident
  • Comprehensive – Covers damages other than from an accident, such as fire or acts of nature
  • Safety clothing and accessories – Covers replacement if items are damaged

Like most companies, American Reliable offers many types of discounts, including:

  • Motorcycle safety training
  • Multi-policy
  • Paid in full
  • Claim-free renewal
  • Reliable driver
  • Homeowner
  • Theft alarm

There are other programs and discounts available as well. You would need to speak with an agent to see additional options. This video gives you some ideas about how to reduce your motorcycle insurance rates.

It’s not exactly easy to acquire or use coverage through American Reliable. You must find an agent in order to sign up. You also can’t file a claim online or through an app. You must call, email, or fax any claims documentation.

You can call the American Reliable insurance company phone number at 1-800-535-1333 to get information.

Home Insurance

American Reliable home insurance types come in three main forms: traditional homeowners, dwelling fire, and manufactured home.

American Reliable homeowners insurance policies are available for those homes that do not meet the requirements for standard insurance companies but still meet a certain standard for condition and care.

American Reliable’s program accepts older and lower-value homes as well as single and multi-family residences.

The dwelling fire policy is available to homes that do not meet the guidelines for homeowners for any number of reasons. Those include the condition or construction type of the home, the age of the home, or the location. These policies can also be issued for rental homes and vacation homes.

American Reliable home insurance company includes insurance for mobile homes and other dwellings that provides comprehensive coverage including optional replacement cost rather than actual cash value. In addition to standard coverage, the company offers golf cart coverage, scheduled personal property, and more.

Coverage also includes personal effects, medical payments, and loss of use.

Ready to find affordable vehicle insurance premiums? Enter your ZIP code now to compare great insurance rates.

Watercraft

Coverage is available for a wide variety of watercraft, including kayaks, sailboats, and motorized boats. American Reliable yacht insurance and watercraft policies include coverage for the boat both on the water and on a trailer, as well as personal property, equipment, and liability.

American Reliable offers a range of discounts that include one for insuring multiple watercraft and a discount for taking a boating safety course.

You can also receive discounts for moving your policy from another company and for claim-free renewals.

Agribusiness

Agribusiness — which includes farms, ranches, and equine industries — is also insured by American Reliable through a variety of agribusiness package policies, as well as extra coverage like farm auto and farm umbrella. American Reliable equine insurance and equine mortality insurance is offered under this policy, as well.

Coverage is available for grain, dairy, livestock, equine, fruit, vegetable, nut farms, and more.

American Reliable Insurance Claims

American Reliable insurance company agents offer 24/7 claims service for all of its products via the American Reliable Insurance Company phone number.

There is also a mailing address provided on the website to mail in claims forms, and a fax option as well. The website does not offer an option to file a claim online but given the company’s very basic website, that’s not surprising. There may be some information if you use your American Reliable Insurance Company login. Beyond the contact information, we found no details with regard to the American Reliable insurance claims process.

American Reliable Insurance Reviews and Ratings

American Reliable Insurance Company’s rating with the Better Business Bureau (BBB) is an A+, with only three complaints on file in the past three years, none of which have been closed in the past 12 months.

American Reliable Insurance Company’s A.M. Best rating is an A, which rates companies on financial stability. There are 26 American Reliable insurance reviews on Google with an overall 1.8-star rating, which of course means that most of them are negative.

The complaints focus on unpaid claims and poor customer service. A few positive reviews are sprinkled in, but not enough to improve the overall rating by much.

There are three reviews of this company on Yelp, for a two-star rating. Failure to pay claims is again the focus of the comments.

While most of the reviews are negative, there really is not a large number of them overall. This company does not seem like it would rank as one of the best insurance companies.

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About American Reliable Insurance

Founded in 1952, American Reliable Insurance is located in Scottsdale, AZ. American Reliable Insurance Company also has locations in Florida and Dallas, TX. It writes a selection of specialty products, including home insurance; insurance for specialty vehicles such as watercraft, motorcycles, and ATVs; as well as agribusiness insurance.

As a general rule, the company’s personal lines products are considered to be non-standard, which means they offer insurance for properties and vehicles that may not be available elsewhere. American Reliable’s home insurance program includes coverage for manufactured homes, for example, which may be difficult to insure.

American Reliable is a part of the Global Indemnity group of companies and it sells policies via independent agents and specialty agents.

American Reliable Insurance Company Review: The Bottom Line

If you can qualify for insurance with a standard insurer, you will probably do better for both price and value.

That said, those with non-standard needs who live in this company’s coverage area and are looking to get reliable insurance may find American Reliable to be worth considering. It has some good programs and can help those who may have been turned down elsewhere get covered.

You will definitely want to get quotes from other companies to compare with American Reliable’s home insurance, motorcycle insurance, and specialty vehicle insurance. Now that you’ve finished this American Reliable insurance company review, enter your ZIP code into our FREE tool below to compare available coverage to get the best deal for you.

Frequently Asked Questions: American Reliable Insurance Company

Here are a few frequently asked questions about American Reliable Insurance Company.

#1 – What is the American Reliable Insurance Company agent login?

The American Reliable insurance agent login is found on the company’s website and is exclusive to American Reliable Insurance Company (ARIC insurance) agents.

#2 – What is the American Reliable Insurance customer service phone number?

American Reliable Ins. Co. has two phone numbers by which customers can reach agents:
(480) 483-8666 or (800) 535-1333

#3 – What states does American Reliable Insurance do business in?

The headquarters for American Reliable Insurance Co. is in Scottsdale, AZ. This is not to be confused with Reliable Insurance Services, LLC in Jamaica, NY; or The Reliable Insurance Company in St. Louis, MO.

References:

  1. http://www.ambest.com/ratings/methodology.asp
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

1 Comment

  1. You’re saying American Reliable is a member of NFIP correct? Reason I’m asking is because NFIP said they do not show them as NFIP provider. I am trying to get ICC funds under NFIP guidelines due to Aug 2016 flood and American Reliable is telling me there is no such thing. They are only wanting to pay 10% of coverage limit on the homeowner side and this has nothing to do with Homeowners, has everything to do with flood.

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