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GuideOne Insurance Review

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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: Nov 30, 2018

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A property and casualty insurer with a specific market, GuideOne insurance is aimed at churches, faith-based institutions, and the those who attend them. Their combination of commercial and personal products is particularly designed for people of a variety of different faiths.

GuideOne Insurance Summary

While GuideOne was always a niche insurer, they did not begin with churches. The company was founded in Iowa in 1947 as Preferred Risk Mutual Insurance Company, offering lower-cost auto insurance for non-drinkers. In 1958 the company opened a life insurance branch, also for non-drinkers.

The 1960s saw expansion and the creation of the first package policy for churches, as the company moved into many other states and grew quickly. By the 1970s they had added coverage for other faith-based institutions such as seminaries and schools. They remained focus on sober driving, donating large amounts of money to Mothers Against Drunk Driving (MADD) in the 1980s.

Today GuideOne is one of the biggest insurers of churches in the country and offers their products in every state. Their headquarters remain in Des Moines, Iowa.

Products are sold through independent agents across the country and include churches, senior living and home care coverage, schools, and basic personal lines insurance.

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Insurance Products

GuideOne’s products are aimed at niche markets, particularly faith-based niches, and people of any faith can apply for coverage.

Auto Insurance

GuideOne’s website no longer offers information regarding auto and home insurance. The company states they are now working with SafeCo Insurance, a Liberty Mutual Company. The site directs you to get a quote, where you fill out a bit of information and submit it and await a response either by phone or email. It is likely that you will be contacted by a Safeco representative.

GuideOne plans to exit the Personal Lines Market completely in order to focus more on its specialty of church coverage. The company is currently working towards transferring all personal lines business to Safeco by February 2018.

Home Insurance

As mentioned above, GuideOne is gradually transitioning away from the Personal Lines Market and this includes home insurance. The company will transfer all lines of personal insurance to Safeco by 2018.

Life Insurance

GuideOne offers a range of life insurance and annuity products, underwritten by Kansas City Life Insurance Company.

They offer term, whole, and universal life, as well as deferred and immediate annuities. There are also some health plans to choose from, including long-term care and income protection plans.

Church Insurance

GuideOne’s flagship product is package insurance for churches, synagogues, and places of worship. Their main policy offered is called FaithGuard. Their policies include property coverage and liability, along with a long list of options and endorsements that are designed for the needs of churches. Some of the specifics include stained glass window coverage as well as coverage for the personal property of ministers.

GuideOne also offers employee benefits including group life and disability coverage for church employees.

Senior Living and Home Care

GuideOne writes commercial products specifically for senior care homes as well as home care companies. Among the many facilities covered are independent living homes, skilled care facilities, and more.

Schools

GuideOne writes package policies for faith-based schools and colleges. They provide both property and liability coverage along with specific coverage required by educational facilities.

GuideOne Insurance Rates

GuideOne does not offer online quoting, as all of their policies are sold through independent agents. That means we are unable to compare their rates to other companies.

Claims

GuideOne accepts claims reports through a 24-hour toll-free number, or through insurance agents. There is currently no option to file a claim online.

GuideOne’s adjusters and claims people are all in-house, and not independent, promising personal attention. They also have a catastrophe response unit (CAT Team) available to handle major natural disasters right at the scene.

GuideOne uses Safelite for auto glass repairs, one of the biggest auto glass companies in the nation. They handle glass repairs swiftly and directly for many insurance companies.

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Consumer Research and Complaints

GuideOne is not Better Business Bureau accredited but has a rating of A-. There are only 13 complaints against the company in the past three years, one of which has been closed in the last 12 months. The company has been downgraded to an A- as the result of one complaint to which they failed to respond.

Common insurance review sites do not have much in the way of complaints against the company. There are very few overall, which is very encouraging, and there is nothing that raises any big red flags.

Financial Strength

Rating Company Grade Financial Outlook
AM Best A- Negative
Fitch N/A N/A
S&P N/A N/A

Bottom Line

GuideOne has a good reputation and offers niche commercial products. Although GuideOne aims its products at people of faith, they are open to all individuals; those who do fit the niche will find some added benefits. Especially for their target market, GuideOne is worth a look and a comparison quote.

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

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Review Information

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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. Thanks for your review. What I’m wondering about is GuideOne’s strong relationship with churches. I’m gay, and I don’t like to support companies who support churches and organizations with anti-LGBT policies, so I’m just wondering if going with GuideOne would be a bad choice for me. It’s not that I’m anti-church or anti-Christian, I just don’t like supporting companies who don’t support me.

    Reply

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