UPDATED: Nov 30, 2018
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Imperial Fire & Casualty Summary
Imperial Fire & Casualty was founded in 1990 in Opelousas, Louisiana. They have since expanded into several neighboring states, and now write insurance coverage in Florida, Texas, Oklahoma, and Arkansas in addition to Louisiana. They are licensed in several other states as well.
In 2014, the large insurance holding company National General acquired Imperial Fire & Casualty, and they now operate as a wholly owned subsidiary. This gives the company a strong financial backing that alleviates any concern regarding the reliability of a younger, smaller insurance company.
The acquisition followed the purchase of the company by a private equity investor whose purchase of Imperial and another insurance company proved ill fated and resulted in regulators stepping in.
Imperial Fire & Casualty still has their home office in Opelousas, but now has offices in four other states, including an office in Dallas, Texas. Independent agents sell their insurance policies across the five states they service.
Imperial Fire & Casualty offers auto insurance in all five of the states the serve. Home insurance is currently only offered in Louisiana and Texas.
Imperial offers a relatively basic auto insurance program that covers all of the standard required coverage and common options. They offer full coverage policies that include options for rental reimbursement, towing & labor coverage, and all of the other basics.
There is no sign of the more trendy or gimmicky options that we frequently see from large insurance companies these days. While some people prefer a large array of options, Imperial’s straightforward program is likely to appeal to those who like to keep things simple.
Imperial promises great pricing on their insurance policies, which appears to be accomplished mainly by keeping their products on the simple side.
Imperial writes standard homeowner’s insurance as well as more basic dwelling fire policies.
The standard home insurance policy includes coverage for the home, personal property, and liability coverage. Again, this appears to be a straightforward policy without a lot of add-ons.
Dwelling fire policies are designed for non owner-occupied homes, specifically those that are rented out to others. They include rental reimbursement expenses to cover loss of rent, and provide specifically for the liability risks of renting your home to others.
Imperial writes flood insurance through the Write Your Own Flood insurance program. This program is authorized by FEMA and follows all of the regulations of the National Flood Insurance Program, but allows the insurance company to write their own flood policies within the boundaries set out by this program.
Flood is available for both residential and small business properties.
Imperial does not have an option for online quoting, and quotes their policies only through agents. Furthermore, they do not write insurance in the two states from which we normally draw our comparison rates. Because of this, we are unable to provide a direct rate quote or a comparison to other insurance companies.
Imperial does make some big promises about affordable rates; low-cost insurance is not generally what small regional insurers are particularly known for. They do keep their policies very simple, which is likely to keep rates down, but we’d be surprised to see them really competing with major direct-buy insurers.
Claims can be filed over the phone as well as online. The link on the website, ‘File a Claim‘ brings you to the National General claims site. If you are making a flood insurance claim, the site directs you to call 877 254-6819.
All other claims can be filed by phone, 1-800-325-1088, available 24/7, or by submitting their claim online.
If the claim has already been submitted and the customer is looking for an update, the site provides a phone number specifically for this, 1-888-233-4575.
The website doesn’t offer any details on the company’s claims process, nor is there any information on how to file or what to expect.
Although the company is not accredited, Imperial has an A+ rating with the Better Business Bureau. There is only one complaint against the company in the past three years.
Our previous review of this company had the BBB rating as B+ citing that a large volume of complaints was the cause, however the previous complaint number was just 9, all of which had been responded to and closed by the company. It is nice to see the rating back up to an A+.
There are a few scattered reviews elsewhere of this company, but not many. This is partially due to the size of the company, but still points to a relatively stable and trustworthy reputation.
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Imperial Fire and Casualty offers very basic, solid products, and is backed by a huge, financially stable company. They are likely to appeal to those who prefer to obtain their insurance through an agent and who seek to find a good balance between price for coverage and customer service.
Those who are in search of the best price overall will likely find a better deal elsewhere, but Imperial is worth a look if you are willing to pay a little more for local, personal attention.
For a list of companies that we recommend, visit our Best Insurance Companies page.