Wawanesa: Home Insurance Options

Wawanesa offers homeowners insurance that covers loss or damage to your home and your belongings. It also protects your personal liability if someone sues you, pays living expenses if you have to temporarily move out due to the home being uninhabitable, and pays for medical expenses if a guest is hurt in your home or on your property. Wawanesa's home insurance is currently only offered in California. The company has a pending acquisition by the Automobile Club of Southern California, which will likely improve its financial strength and creditworthiness scores.

Wawanesa's home insurance coverage

Wawanesa offers home insurance coverage to protect your biggest asset. Their basic homeowners insurance covers the structure of your home and any dwellings attached to it, as well as damage to electrical wiring, fixtures, and plumbing. It also covers your belongings, providing protection against damage, theft, or loss. This includes personal possessions such as electronics, appliances, clothing, and furniture.

Wawanesa's basic policy also includes personal liability coverage, which protects you if someone sues you, and provides living expenses if you need to temporarily move out due to your home being uninhabitable. It also covers medical expenses if a guest is injured on your property.

In addition to this basic coverage, Wawanesa offers optional coverages to tailor your policy to your specific needs. These include special increased limits coverage for valuable items such as jewelry and artwork, scheduled property coverage for individual appraisal of items like fine arts and musical instruments, and limited earthquake coverage.

Wawanesa also offers add-on coverage options such as identity fraud and home cyber protection. You can also purchase their Special Limits Enhancements package, which provides increased limits for personal property, watercraft, and equipment, as well as extended replacement cost.

While Wawanesa's home insurance is currently only available in California, it consistently earns high J.D. Power customer satisfaction ratings, making it a popular choice for California homeowners.

Wawanesa's customer satisfaction ratings

Wawanesa Insurance has been ranked #1 in customer satisfaction in California for auto insurance for four years in a row, according to J.D. Power. The company's score of 879 out of 1,000 in 2022 was 26 points higher than the previous year, 35 points higher than any other insurer in California, and 3 points above the next-ranked auto insurer nationally. Wawanesa Insurance has been serving auto and property customers in California and Oregon since 1975.

Customer reviews on Clearsurance give Wawanesa Insurance a rating of 3.83 out of 5 stars. One customer praised the company's competitive rates, saying that "no one can beat them". Another customer, who has been with the company since 1985 for both vehicle and homeowners insurance, highlighted their "fast and great customer service". A former insurance industry worker also praised Wawanesa, saying that they "make it seem effortless".

However, one Clearsurance reviewer criticised the company's change from annual to semi-annual premiums. Wawanesa was also criticised for not rewarding loyal customers.

Wawanesa's home insurance discounts

Wawanesa offers a range of home insurance discounts to help you save on your premium. The specific discounts available to you will depend on your state, but here are some of the most common Wawanesa home insurance discounts:

• Multi-Policy Discount: You can save up to 20% by bundling your homeowners insurance with your auto insurance policy.
• Loyalty Insurance Discount: This discount is automatically applied after your first year as a Wawanesa member, with increased savings the longer you remain with the company.
• Claims-Free Insurance Discount: If you don't make any claims during your first year with Wawanesa, you'll be eligible for this discount, which increases the longer you go without a claim.
• Non-Smokers Home Insurance Discount: If all residents of your household are non-smokers, you can take advantage of this discount.
• Sprinkler Protection Discount: This discount applies if your home has a fully automatic sprinkler system in all main areas, including living areas, bedrooms, and the kitchen.
• Burglar Alarm Insurance Discount: You can get this discount if your home has a local burglar alarm or one connected to a central monitoring system.
• Water Alarm Insurance Discount: If your home is equipped with a professionally installed water leak detection device with an automatic water shut-off valve, you qualify for this discount.
• Wildfire Mitigation Discount: This discount is applied when you or your community take measures to reduce the risk of wildfire damage to your home.

To find out which discounts are available in your state and how you can qualify, contact a Wawanesa agent at 800-640-2920. They can help you review your policy and identify any applicable discounts.

Wawanesa's home insurance complaints

Wawanesa home insurance is available in California and Oregon, although the company is no longer issuing new policies in Oregon. The company offers a basic home insurance policy with optional add-ons for increased coverage.

Wawanesa home insurance has received mixed reviews. While some customers have praised the company for its customer service and easy claims process, others have complained about issues with claim processing time, agent availability, and unsatisfactory resolutions to their claims.

One customer complained about the company's refusal to provide information about their policy coverage without filing a claim and incurring a penalty. Another customer reported that their claim was denied after eight months of run-around and that they were charged for the claim. Several customers have also reported difficulties in reaching the company's agents and long wait times.

On the other hand, some customers have had positive experiences with Wawanesa home insurance. One customer reported that their claim was handled efficiently and that they were satisfied with the remediation process. Another customer praised the company for its customer service and rates, stating that they have been with the company for over 17 years.

Overall, while Wawanesa home insurance has received some complaints, there are also customers who have had positive experiences with the company's customer service and claims handling.

Wawanesa's home insurance quote process

Wawanesa offers homeowners insurance that covers losses and damages to your home, belongings, furnishings, and other assets. The insurance also protects your liability for accidents that occur on your property.

The Wawanesa website outlines the following steps to obtain a quote for homeowners insurance:

• Start your quote online or call 800-640-2920 to speak with one of their helpful agents.
• Discuss insurance coverage options for your home, discounts available, and buy your policy.
• Tailor your coverage to suit your needs. For example, depending on the size of your assets, you can increase or decrease your personal property coverage limits.
• Choose from the many available coverage options. For example, you can add business property or earthquake damage protection coverage.
• Wawanesa will then inspect your home and property. This allows them to assist you in determining and maintaining the coverage amount necessary to rebuild your home in the event of a claim.

The cost of homeowners insurance will depend on factors such as the type of home, its size, location, and the value of your personal belongings.

Frequently asked questions