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Secura Insurance Review & Complaints: Auto & Home Insurance

Secura insurance company writes Secura auto insurance and Secura home insurance policies for individuals, business policies, farm insurance, and a selection of coverage for teams, events, and non-profit organizations. Secura quotes and Secura insurance claims are not available online, but the Better Business Bureau's Secura Insurance Company Rating is A+, with only 8 complaints in the last 3 years.

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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 18, 2020

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Founded at the turn of the century in response to a devastating cyclone, Secura Insurance today is a regional property & casualty insurer covering 12 states. They cover individuals, businesses, farms, and specialty needs.

About Secura

In 1900, after a cyclone hit New Richmond, Wisconsin, a group of Cicero Township members founded an insurance company to protect against the cost of future severe weather. The unwieldy original name for the company, The Farmers Home Mutual Hail, Tornado, and Cyclone Insurance Company of Seymour, Wisconsin was in use until 1986, when it was changed to the much shorter Secura.

Company headquarters are located in Appleton, WI, with a second set of offices in Middleton, WI. Policies are sold through independent agents in Arizona, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, North Dakota, and of course, Wisconsin.

Founded as a community-based mutual insurance company, Secura continues that tradition with a variety of community involvement and non-profit support efforts.

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Secura Products

Secura writes auto insurance and home insurance for individuals, business policies, farm insurance, and a selection of coverage for teams, events, and non-profit organizations. Information on these products is limited; visitors are directed to contact an agent for details.

Auto & Home Insurance

Secura’s approach to auto and home insurance is to offer them as a package policy; we were unable to find an indication that they are offering these policies separately at the time of this review.

The package policy, called Mile-Stone, is available with two levels of coverage, Basic and Gold. The policy has a single premium and a combined deductible in the event of a claim that involves both auto and home.

The Mile-Stone Basic plan covers the home at 100% of replacement cost and the vehicle at limits that can be selected by the policyholder. Many options can be added to this plan, including:

  • Identity theft
  • Broadened personal property coverage
  • Auto rental
  • Towing and Labor
  • Loan/Lease coverage

All of these are automatically included in the Gold level package, which also increases the reconstruction cost coverage to 125% and kicks up water backup and high-value item limits as well.

The Gold package also includes Travel Rescuer, a package travel insurance plan not offered with the Basic plan.

Both levels include Pet Protector coverage and Accident Forgiveness automatically. There are a variety of available discounts, including customer loyalty, good student, and hybrid car.

Secura also offers a Mile-Stone package for renters that combines a renter’s package policy with auto insurance.

Business Insurance

Secura offers package policies for businesses and non-profits that includes common coverage like property and liability, as well as options that can be added on. These include Non-profit Directors and Officers Liability and Employment Practices Liability among others.

Secura also has workers compensation coverage that can be added to a package or purchased separately.

Farm Insurance

Secura’s farm insurance packages can be customized to cover a variety of different farming operations. Base coverage includes property and liability, with farm auto, livestock coverage, equipment breakdown, and farm worker’s compensation all available as well.

Events, Clubs, and Teams Insurance

Secura provides specialty policies for events such as festivals, concerts, banquets, fundraisers, and more.

They also provide coverage for a sports team, various types of clubs, and business leagues.

These policies offer package coverage for a variety of risks, including liability.


Secura does not offer online quoting, which is fairly common for regional insurers operating on an agent-driven basis. Quotes are only available through a local agent; the website offers an agent locator.

Because they only appear to offer a combined auto and home policy, it would be difficult to compare their rates to other companies that sell products separately. Comparing their rates to the total premium of an auto-home bundle elsewhere would provide the best information.


Secura has toll-free 24/7 claims reporting lines across their coverage area; the number to call depends on where the insured resides. There are three different numbers for different regions.

Claims can also be reported via email or by fax, but there is no online claims submission. Additionally, we did not see a place to download or access the forms in order to submit them by email or fax.

Secura’s preferred repair shop network is called SureChoice, and they offer expedited services and a lifetime guarantee on repairs. As always, the customer can choose any repair shop for claims work.

For glass only claims, Secura has a glass repair program called Glass Express. This system connects the insured to a local glass repair shop that is part of the Glass Express network and will handle the repair quickly.

There is a separate claims line, especially for worker’s compensation claims.

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Ratings and Consumer Reviews

Secura is not Better Business Bureau (BBB) accredited but has an A+ rating with only eight complaints on file in the past three years. Of those, only one was closed in the past 12 months.

We found only two customer reviews on Yelp – one positive and one negative. One had an excellent claims experience, and the other had a difficult claim. Without further information, these two reviews tend to cancel each other out.

The Bottom Line

There is not a lot of information out there in regards to Secura, so it is hard to provide a truly clear picture. There does not seem to be any red flags, however, and for those who like the idea of bundled insurance with a homegrown, agent-driven company, Secura might fit the bill.

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. If you ever have to deal with someone that has Secura Insurance, get an attorney right from the beginning.

    Aggressive tactics right from the first call when you are must vulnerable.

    As soon as you find out you are going to have to deal with Secura Insurance, get the advice from an attorney and then follow their advice.

  2. Admittedly, I am a third party claimant with a traditionally I’ll think of liability claim-stair fall case.

    I had a very bad injury, a complete tear of a tendon in my leg when I missed a step at night on a poorly lit and Ill-defined staircase leading from their insured’s restaurant to its parking lot.

    I knew this would be a difficult claim for me to present so retained one of the best tort attorneys in Louisville Kentucky.

    After he did a thorough investigation, supplied Secura with a brief on Kentucky law together with safety evidence from restaurants, event spaces, arenas and hotels from all over the company this company ignored the law and evidence submitted.

    They said we have no liability. They refused to mediate or negotiate a resolution thus forcing litigation.

    If I bought insurance from these people and by ignoring the obvious exposure caused me time aggravation and money, I would look for another company as fast as I could.

  3. This company is awful. I was in the process of purchasing a new home and was looking for homeowner’s insurance. They quoted me the best price for the policy but said I had to bundle my auto with them to get it. The price of car insurance was better than what I had been paying so, I went ahead and left the company I had been with for 8 years. Secura required 2 months of auto insurance payments up front, so I paid.

    We signed the papers on our home. 2 weeks later, we received all of our home and auto policy documents in the mail on a Monday. The very next day, we received a letter indicating that they were canceling our auto policy, and therefore, our homeowner’s policy as well! Their reasoning was that my husband’s driving record was “too high risk.” They had quoted our insurance 1 full month prior. They had taken my money and I had an active policy for nearly 3 weeks.

    Now, I had to scramble to find a new home owner’s policy, and replace my auto insurance. I called my old auto insurance company, hoping to reinstate my policy since it had only been 3 weeks. They stated that as I had canceled my previous policy, I would have to start all over again with no credit for 8 years of loyalty with them. My rate went up by 40 dollars a month from my original policy with them (which makes a total of 60 dollars more than I was supposed to pay Secura). I then had to come up with a new upfront premium payment.

    Secura claimed they would return my money (minus the three weeks that I was “insured” through them) within one week. I was excited to see mail from them 6 days later, thinking it would be my refund. I open the letter to find that they reinstated my policy? WHAT??? A bunch of digging later, we find out that they reinstated it for the purpose of changing the cancelation date. This reinstatement has delayed the release of my check. It’ll be at least another week.

    I am so disgusted by this company. It seems like a major scam to take 2 months premium and promptly cancel the policy. Lots of smoke and mirrors to issue the refund.

    I’m STILL waiting. . .

  4. Took eleven months to settle a claim for collision on our vehicle. Finally forced to hire an attorney and go to court, which found in our favor. The objective valuation, validated in court, was 2.5 times greater than the SECURA low ball offer, and 1.5 times greater than their “final offer”. We have just filed a complaint with the Wisconsin Commissioner Of Insurance. Documentation filled a three inch binder. We estimate they spent more time and money fighting us than the difference in the settlement we got in court.

  5. Their workers comp is awfully.they cut your medicine off any time they want .

  6. One of the worst insurance companies I’ve had to deal with Will try and screw you over in a heartbeat. Took 3 weeks for me to even talk to someone at the insurance company while my car set in junkyard being charged fees now there wanting me to pay for the fees cause I couldn’t get a hold of them to figure something out. Also the people I’ve talked to from there has just been completely rude and act like they just don’t care. I was rear ended and it has thrown my life into turmoil over it and now the insurance companies acts like it’s not there problem. Was trying not to get my lawyer involved but I will not be pushed around by rude people at that company. Even if it’s just 500 dollars it’s the moral of the whole thing. I was injured and just want what’s due to me and if I have to involve my lawyer I will and see how secure likes being pushed around. Anyone that has to deal with this company I highly suggest not messing around and get a lawyer immediately so you don’t have to go through what I’m having to now. The victim shouldn’t be put thru this much trouble I didn’t ask for my car to get rear ended and totaled and injured on top of that abd secure has made this whole process a nightmare.

    • Im going through the same thing you went through and im still out of work at start rehabe next week ive been out of work sinse 7/15/16 I was re ended too and I was in a company vehicle with 2 passengers and we all got hurt I find out the other drivers company ins has laped an now Im having to deal with secure ins co

      • It’s been over a year since I left that post. I had to work the whole time with a messed up back and not being able to talk to them to get any kind of treatment. I’ve left message after message with never a callback. It’s been so long I don’t even know if I can legally do anything about it. The only thing I know is it’s a struggle to get out of bed every morning, that my back hurts so bad I can’t even bend over whatsoever. Its constant pain for me getting in and out of my car is hard enough to do and on top of that the majority of my job is bending so I wonder how much longer that will last for me. Dealing with Secura so far has made my life a disaster a very painful and depressing disaster. My family and my whole lifestyle have suffered and been miserable. All because this company is crooked and doesn’t care about anyone if it has to cost them money. They only see everyone as a number and I feel for anyone that has dealt with them or will have to. I’m just another case of the little guy being pushed around by the insurance company and not have the money to hire someone to push back for me. They have completely ruined my life and at 35 years old made it almost impossible to simply get out of a bed or even a sitting position at that. I write this now laying down in pain just because it hurts to bad to sit and write it. My job is seasonal work so I’m off for the winter and I haven’t been able to leave the house in a month. My wife has taken on more responsibility which is breaking her down just because I can’t get in and out of the vehicle to do simple things as go to the grocery of to take our daughter where she needs to go. She just turned 15 so she’s always needing to go somewhere. I’ve never been so depressed In my life and having to always see the inside of my home makes it that much worse. We can’t keep up with housework my wife does what she can and I try but usually, it’s just too much for both. After 5 min I have to stop and her doing everything just has no time. So I lay here writing this staring at the inside of the walls I see painfully every day and most of the time the only thing I see wondering how I’m gonna be able to work like this next year knowing it’s not physically impossible to do my job, wondering how bad it is still yet to get knowing it hurts to simply move and wondering how things could have been if I hadn’t had to deal with Secura for all this. But it’s not their problem I’m nobody to them but a number and a nobody to myself or the outside world. Thanks Secura for everything.


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