United Fire Group Insurance Review & Complaints: Auto, Home, Business, & Life Insurance

A United Fire Group Insurance review covers a range of products including personal auto, home, and life insurance as well as business insurance and surety bonds. United Fire Group claims can over the phone or online and the company, also referred to as United Fire and Casualty, has an has an A+ rating with the Better Business Bureau.

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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 place to get it.

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Written by Eric Stauffer
Founder & Former Insurance Agent Eric Stauffer

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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United Fire Group Insurance

Financial Strength

United Fire Group Insurance Company offers a comprehensive list of insurance policies for both individuals and for businesses through a list of subsidiary companies. They write insurance in nearly every state, offering auto, home, life, and commercial policies.

This United Fire Group Insurance review will cover everything you need to know about the company. Ready to compare car insurance or home insurance quotes right now? Enter your ZIP code to begin.

United Fire Group Insurance Summary

United Fire Group traces its roots back to Ace Mutual Insurance Association, founded in 1937. In 1943, the company merged with North Central Mutual Insurance to form United Mutual Insurance Association, and by 1950, the United Fire & Casualty Company was formed. The company continued expansion with the addition of United Life Insurance in 1962, and went public in 1971.

The ensuing years saw acquisitions of multiple different companies as United spread across the country. Most recently, the company merged with Mercer Insurance Group; the completion of this merger in 2011 saw United Fire cover more of the nation than ever before, nearly every state.

United Fire Group writes a variety of personal and business products through independent agents, and do not offer any direct sales. They currently write insurance in 43 states, 36 of which include life insurance products.

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United Fire Group Insurance Products

United Fire writes the big three of personal insurance – auto, home, and life – as well as business insurance and surety bonds.

Auto Insurance

United Fire’s personal auto insurance program appears basic but solid; they offer all the common coverage options as well as a few extras such as new vehicle replacement and airbag replacement.

Also, available is the company’s Road Assist 24/7, which is a little more than the average roadside assistance plan; it includes coverage for things such as locksmith services, flat tire changes, dead battery assistance, and, of course towing.

Discounts for auto insurance are pretty basic, including good driver, loyalty, loss-free, and multiple policy discounts.

Motorcycle insurance is also available with similar coverage and additions that are specific to motorcycles, including additional equipment coverage.

Home Insurance

United has a homeowner’s program with two levels of coverage. The basic coverage is the standard homeowner’s. They also offer a higher coverage level for newer custom homes known as Signature Premier Homeowner Program.

Signature Premier has all the basics but also adds identity theft coverage, equipment breakdown, increased valuables limits, and a free home inspection. These can also be added as endorsements to a basic homeowner’s policy. Additional add-ons include:

  • Personal Injury coverage
  • Earthquake insurance
  • Water back-up and sump pump overflow
  • Scheduled personal property

There are a number of discounts available for homeowner’s including a new home discount, multi-policy, and security system discount.

In addition to home insurance, United also writes condo and renter’s policies.

Life Insurance

United writes both term and permanent life policies, and also offers annuities.

Term life insurance is available with the option to convert to permanent; The company also offers several riders to choose from, including disability income coverage and waiver of premiums.

Both whole and universal life insurance policies are available for permanent coverage; these both include cash accumulation and steady premiums. Available riders include accelerated benefits, disability income, and guaranteed insurability.

Annuity choices from United for retirement income planning are:

  • Single Premium Deferred
  • Flexible Premium Deferred
  • Single Premium Income

Additional Products

Business Insurance

United Fire Group writes a good range of different business insurance options, intended mainly for small businesses. The choices include:

  • Commercial Auto
  • Business Owners Policy (package policy)
  • Commercial Crime
  • Commercial Property
  • Contractor’s Errors & Omissions
  • Garage Service Program
  • General Liability
  • Inland Marine

Umbrella Insurance

United Fire offers umbrella insurance for both individuals and businesses; this coverage provides additional (up to $5 million extra) liability protection above and beyond underlying policy limits.

Surety Bonds

United has a number of different types of bonds available, including surety, contract, fidelity, judicial, license and contract, and public official bonds.

United Fire Group Insurance Rates

The company doesn’t advertise their auto policies as being low-cost, and they are not a major player in the auto market. Combined with their sales through agents – which means commissions – it’s pretty unlikely that United will be among the least expensive insurance companies.

Of course, price isn’t the only thing that should matter when it comes to insurance. Good service combined with solid products can make a higher premium worthwhile. That balance has to be judged carefully and somewhat individually.

United Fire Group Insurance Claims

United Fire Group claims can be filed either over the phone or online. The toll-free claims line can be reached at 1-800-343-9131.

The online claims form can be filled out on the website without the need to log in, which can be convenient for those who don’t have or don’t want a policyholder account. There is a login section on the website, which may offer claims tracking.

Claims can also be reported through your agent, who can access the United Fire Group Insurance agent login. Some subsidiary companies have different claims contact phone and fax numbers, so it’s important to check which of the companies the policy is issued when submitting a claim.

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United Fire Group Insurance Consumer Research and Complaints

United Fire Group Insurance rating with the Better Business Bureau is an A+ and there are only five complaints on record in the past three years, two of which were closed in the past 12 months. The company has been accredited since 2014.

Due to the fairly recent merger with Mercer, it’s difficult to say for sure whether this file includes any complaints against that particular company.

The only other complaint we were able to find about this company came from a former employee, and had nothing to do with the company’s service or products. The lack of complaints across multiple common sites leaves a generally positive impression of this insurance company.

United Fire Group Insurance Financial Strength

Rating Company Grade Financial Outlook
AM Best A Stable
Fitch N/A N/A

While United Fire Group is executing on an enterprise-wide strategic plan to improve operational and financial performance, it faces execution risk due to competitive market conditions and ongoing exposure to catastrophe events, which also could potentially result in continued pressure on balance sheet fundamentals. A.M. Best gave United Fire Group a negative Outlook. 

Online Presence

United Fire Groups  website and other online services are available to both personal and commercial policyholders of UFG, excluding commercial surety and contract surety customers.

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United Fire Group Insurance: The Bottom Line

United Fire Group is unlikely to be the least expensive insurance option for most people, but they offer a smaller company with a personalized agent approach to selling and servicing policies, and a good reputation to back it up.

The company has a solid product lineup that covers most bases, and is likely worth a look for anyone who values that personal touch but still wants online access to accounts and claims; while online quoting would be nice to see, United Fire Group does manage to strike a decent balance.

Now that you know everything about United Fire Group, are you ready to compare insurance quotes? Just enter your ZIP code below to get free quotes.

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