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CSE Insurance Group Review & Complaints: Auto, Home & Business Insurance

CSE Insurance Group ratings are high, with three stars on Yelp and an A+ rating from the BBB. Policyholders give CSE Insurance Group high marks for their excellent customer service during the claims process. Read our CSE Insurance Group review to compare insurance rates and see if CSE Insurance Group is the right fit for your insurance needs.

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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 21, 2020

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Civil Service Employees Insurance Company
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Civil Service Employees Insurance, or CSE, offers auto insurance, home insurance, and business insurance with a focus on the needs of public employees. They write insurance for the general public in four states through local agents.

About CSE

Founded in 1949, CSE originally offered its products only to public employees but opened its doors to the general public in 1980. They still hold to their original market by offering tailored products and added discounts to the following groups:

  • Educators
  • Law Enforcement
  • Firefighters
  • Military Personnel
  • Government employees

CSE writes personal insurance for a variety of homes, auto, and even boat insurance. They also write commercial insurance in specific markets.

Products are sold through more than 700 agents across four states – California, Nevada, Arizona, and Utah – as well over the phone. Although they are licensed in several other states, CSE currently writes new business only in these four states. Their headquarters is located in Walnut Creek, CA.

CSE operates as a subsidiary of France-based global insurance company Covea.

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CSE Products

CSE has a basic lineup of personal lines products as well as commercial insurance. All products are offered in all four states, although there are some differences across states.

Auto Insurance

The auto program from CSE is a basic package policy with a variety of add-on options available. The base package includes liability coverage, comprehensive coverage, collision coverage, and medical payments coverage.

Options that can be added to this basic package include:

  • Full glass coverage
  • Equivalent replacement cost
  • Original Equipment Manufacturer
  • Loan/Lease Gap coverage
  • Rideshare coverage
  • Roadside assistance

CSE offers a list of fairly standard discounts, including multi-policy, good driver, and good student.

Home Insurance

CSE offers a basic homeowner’s package on a named perils basis that covers the structure, personal property, liability, loss of use, and more. The base package can then be enhanced and customized with a series of available endorsements:

  • Extended replacement cost
  • Valuables coverage
  • Equipment breakdown
  • Contents all risk coverage
  • Identity Theft
  • Service line coverage

Again, there are a series of common discounts available, with an additional discount offered to civil servants both current and retired.

In addition to single-family homeowners, CSE also offers landlord, condo, and renters insurance package policies.

Other Personal Insurance

Aside from home and auto, CSE also writes boat insurance as well as personal umbrella insurance.

Boat coverage is available for a variety of personal watercraft, including sailboats, that are less than 15 years old and valued at less than $35,000.

Commercial Insurance

CSE writes commercial insurance specifically for apartments, condominiums, townhouse associations, planned unit developments, and small office buildings.

They offer a package policy that covers structures, liability, building income and extra expense, and several endorsement options.

Like all of their policies, CSE offers a list of available discounts on their commercial policies.

Rates

CSE operates on an agent-focused basis and instead redirects visitors to their website to contact an agent in order to obtain a quote. That means online quoting is not an option, which is typical for this type of insurance company.

With their discounts for public employees, we would expect that market to get the best rates from this company. The general public will probably see better rates elsewhere.

Claims

Claims can be filed by calling a 24/7 toll-free line. Although it is not made entirely clear, it seems that there may be an online claim reporting option when logged into the customer portal. We were unable to confirm this, however.

Glass claims and roadside assistance have separate toll-free numbers, which is fairly common.

Beyond the basics, the CSE website provides very little information about their claims process or service.

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Ratings and Consumer Reviews

CSE has an A+ rating with the Bette Business Bureau (BBB), where they have only six complaints on file in the past three years. Most of those were recent; five were closed in the past 12 months. Still, this a low complaint volume for a company of this size.

The company has a three-star overall rating on Yelp, where there are 54 reviews in total. The negative reviews are mostly focused on a difficult claims experience. Positive reviews cite great customer service, easy claims, and good rates. The company appears to be very good at responding to complaints, which is always a good sign.

The Bottom Line

CSE has a good basic auto and home program as well as a few specialty policies, which will make it one-stop shopping for some customers. Their best rates are likely to be offered to those who qualify for their public employee discount programs, but for the general public, they may not offer the lowest prices. They do have a low complaint volume and are worth considering for those who like to work with an agent.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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CSE Insurance Group
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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.

14 Comments

  1. after 31 years of paying thousands of dollars to CSE, they have canceled my homeowners’ policy.

    I am now a widow after being married 41 years to my husband who was a firefighter for 35 years.

    I will be calling the CA Insurance Commission in the morning to complain and to find out if, in fact, it is true that I heard that it is ILLEGAL to cancel a policy after a major disaster.

    the reason for my cancellation is that I am now in a declared FIRE/BRUSH area, although there were NO FIRES in my community during the recent fires in our general area.

    CSE has left me helpless when I am in the process of trying to sell my home.

    Reply
  2. BUYER BEWARE. JUST HEARD ABOUT ANOTHER PERSON WHO WAS NOT PAID ON THEIR CLAIM USING CSE INSURANCE. HOW CAN THEY GET AWAY WITH THIS? WE NEED CLASS ACTION INTERVENTION. CSE NEEDS TO BE SHUT DOWN NOW.

    Reply
  3. CSI is horrible communication insurance and they are dropping my case because they try to save money.
    This company does not fit for themselves and will not fight for you as well. Do not sign with them unless you want to lose.

    Reply
    • Maybe we should get a class action attorney involved to go over all of the cases. CSE does every trick in the book to not pay on your claim. I know one attorney group just succeeded “big time” against State Farm, and the claims go back to many years ago. What do you think?

      Reply
    • The reason why CSE has low complaints with the Better Business Bureau is that most of the complaints go to the Dept. of Insurance, not the BBB. BBB does nothing for the insurance industry.

      Reply
  4. CSE TOOK THE PREMIUM FROM ME, BUT NEVER PAID ON THE CLAIM. If your insurance sales agent recommends CSE, run and find another agent. CSE does not pay on their claims. They do everything possible to not pay on a claim. My house was completely destroyed, and they never paid on my claim, but instead paid people off so that my claim was never paid to me. Years have passed and my house is still unlivable. No way can one live in a house with this much damage, and I have not lived in my house for years as I continue to pay for it. My house has to be rebuilt from the ground up. My furniture and personal items were all destroyed. I had insurance thinking I was buying peace of mind in case of a disaster. I had the disaster. I had full coverage insurance that I paid in full. CSE IS A SCAM COMPANY, AND THE OUTSIDE ADJUSTERS THAT THEY USE ARE PART OF THE SCAMMERS. ANY BROKER WHO SELLS THEIR INSURANCE SHOULD BE ASHAMED OF THEMSELVES, AS THEY KNOW THE TRUTH ABOUT THIS SCAM COMPANY.

    Reply
  5. BUYER BEWARE. CSE Insurance may have competitive premiums, but any high-value claims will be intentionally lowballed. Claims representatives are untrained and unethical. (I’m talking about you [Redacted]) Remember, their goal is to minimize payouts, regardless of the terms of the policy. CSE will operate on the fringes of what is legally allowed in Ca. If you want peace of mind for what you have worked for in your life, steer clear of this company. Sorry people, the truth hurts sometimes…

    Reply
    • Thank you they also did not pay on my high-value claim. STAY AWAY FROM CSE, THEY WILL TAKE ADVANTAGE OF YOU. DON’T FIND OUT THE HARD WAY LIKE I DID.

      Reply
  6. They are awful. I filed a claim and the agent called me but I missed her call. I called numerous times on different date and I get nothing but a VM… You pay for crappy service… This place is a rip off and I do not want to stay with them next year.

    Reply
  7. I JUST WANT TO ASK YOU, WHY DO YOU CHARGE INSPECTION TO OUR RENTAL PROPERTY IN THE AMOUNT
    OF $ 200.00 EVERY TIME THE POLICY RENEW?
    A MAJORITY OF INSURANCE COMPANY DOES NOT CHARGE INSPECTION FEE OF THE PROPERTY ON RENEWALS

    AND OUR BROKER EVEN PLACE ” FULLY EARNED ” NOTE ON IT
    IS THE LEGAL/

    Reply
    • That’s not the insurance company charging the inspection fee and the agent/broker who received the payment probably violated the Insurance Code. Call 800-927-HELP for help from the California Department of Insurance. Get rid of that broker.

      Reply
  8. CSE is the worst of the worst of any insurance company. They did everything to get out of paying on my claim and they harassed me to no end.

    Reply
    • That’s scary. Sounds like some of their agents are better than others. What state do you live in? Julie

      Reply
      • Julie, it seems like they do this in every single state and every type of insurance they write. They are really the worst of all insurance companies. They do everything to not pay on a claim, including paying off people so they don’t get in trouble. CSE should be SHUT DOWN.

        Reply

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