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The company uses independent agencies to sell its products. Policies are available throughout the Midwest as well as Arizona and Colorado.
The company takes pride and is very active in its community supporting local charities, educational organizations and volunteering. Secura and has a strong web presence, with profiles on Facebook, Twitter and LinkedIn as well as its website. The site itself seems geared more toward informing customers than selling policies. There is some information about the company’s product offerings however, you can not obtain a quote online. The website provides contact information directing you to an agent in your area.
Auto & Home Insurance
Secura offers private auto insurance on its own or as part of its “Milestone” package, which bundles home and auto coverage together. Milestone allows customers to pay a single premium, and there is just one deductible for both property and auto if both are damaged in a single loss, such as a fire or tornado.
There are two types of Milestone policies that can be purchased. The Basic plan includes essential coverages for your home and auto as well as rental reimbursement, towing coverage and pet injury protection. With the basic plan, you have the option to add additional coverage for sporting equipment, roadside assistance, identity theft protections, and home-based business coverage. The Gold option includes all of the above with higher limits, as well as endorsements for full-glass replacement on your vehicles and a comprehensive roadside assistance plan.
The company offers several discounts to keep policy costs down for homes and autos. In addition to standard discounts for things like vehicle safety features, good students and safe drivers, Secura also offers a credit to owners of hybrid vehicles and people who pay their premiums in advance.
Farm & Business Insurance
Secura Insurance sells coverage for both businesses and nonprofit organizations. Policies include commercial property, business liability and risk management products. The company also sells workers’ compensation.
The exact coverages will vary from one organization to the next due to the specialized needs of various industries. Among the specialty coverages offered are directors and officers liability (D&O) plans for non-profits and employment practices liability insurance (EPLI) for protection against things like wrongful termination suits.
Secura also offers specialized protection for farms, including farm auto policies and risk management for farm workers.
There is no form for obtaining a quote through Secura’s website or over the phone. Instead, potential customers will need to obtain a quote through a local agent’s office. There is an agent locator on the website; plug in your ZIP code to be matched with the closest agencies.
Most claims are handled over the phone at 866-356-7870. For workers compensation claims, call 888-333-3334 instead.
The website lists a helpful claims guide for auto accidents, including a guide for obtaining witness information, an accident diagram and a contact information form for all involved parties. This can be printed and left in your vehicle for use in emergencies.
To file a claim, you’d call the claims department and provide as much relevant information as possible. Once the initial report has been taken, you’ll be put in contact with an adjuster who will determine liability, arrange for an inspection and help move the claim toward closure.
Secura Insurance has an “A+” rating with the Better Business Bureau, with just one complaint filed this year. Consumer reviews are generally average to favorable. The complaints available through consumer websites and the company’s Facebook page are generally issues of liability discrepancies, with no obvious trends in complaints.
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Secura isn’t one of the more well-known companies, but it has a long history and a fairly solid reputation among its customers. The protection offered by its Milestone bundle is quite thorough. It’s definitely worth finding an agent and obtaining a quote to see whether you might be able to save money by switching.
For a list of companies that we recommend, visit our Best Insurance Companies page.