UPDATED: Nov 30, 2018
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About American Reliable
American Reliable Insurance Company was founded in 1952 in Scottsdale, Arizona. They write a selection of specialty products, including home and specialty vehicle such as watercraft, motorcycle, and ATV, as well as agribusiness.
As a general rule, their personal lines products are considered to be non-standard, which means they insure properties and vehicles that may have been turned down elsewhere. Their home insurance program includes manufactured homes, for example, which may be difficult to insure.
American Reliable sells products through agents, with policies offered in New Mexico via independent agents and Arizona via specialty agents. They are a part of the Global Indemnity group of companies.
American Reliable Products
American Reliable provides a specialized list of home insurance products as well as some vehicles and watercraft. Their one non-personal line of business is in agriculture.
American Reliable writes home insurance in three main forms: traditional homeowners’ dwelling fire, and manufactured home.
The homeowner’s policy is available to 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.
The manufactured home program provides comprehensive coverage including optional replacement cost rather than actual cash value. In addition to standard coverage, options include golf cart coverage, scheduled personal property, and more.
Coverage is available for a wide variety of watercraft, including kayaks, sailboats, and motorized boats.
The 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.
American Reliable writes both standard and non-standard motorcycle and ATV coverage for most types of bike, as long as they are listed in a recognized motorcycle appraisal guide.
They have a solid program with all of the standard coverage as well as a wide range of optional add-ons. Discounts are also available including motorcycle safety training, multi-unit and multi-policy, and more.
Farm coverage includes a full range of farm owners and agribusiness package policies, as well as extra coverage like farm auto and farm umbrella.
Coverage is available for grain, dairy, livestock, equine, fruit, vegetable, and nut farms, and more.
American Reliable does not provide online quoting for their products, which is common practice for this type of company.
Since they write mainly specialty products and a lot of non-standard policies, we would not expect their rates to compete with some of the major insurance companies. Their rates would be best compared to a similar company offering the same type of coverage.
American Reliable offers 24/7 claims service for all of their products via a toll-free 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 we are not surprised by that.
Beyond the contact information, we found no details with regards to the claims process.
Ratings and Consumer Reviews
American Reliable has an A+ rating with the Better Business Bureau (BBB), with only six complaints on file in the past three years, none of which have been closed in the past 12 months.
There are 19 reviews on Google with an overall 1.9-star rating, which of course means that most of them are negative. The complaints focus on unpaid claims as well as poor customer service. A few positive reviews are sprinkled in, but not enough to improve the overall rating.
The two reviews of this company on Yelp are both negative, for a one-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.
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 specialty needs, and who live in their coverage area, may find American Reliable to be worth considering. They have some good programs and can help those who may have been turned down elsewhere get covered.
For a list of companies that we recommend, visit our Best Insurance Companies page.