Amer Insurance Company is a well-known insurance provider in the United States. Since its establishment in 1917, Amer Insurance Company has been providing various insurance services to its clients throughout the country. In this article, we will discuss the company’s background, services, rates, and frequently asked questions.
Background of Amer Insurance Company
Amer Insurance Company was founded in 1917 and originally known as Farmers Mutual Automobile Insurance Company. Its headquarters is located in Des Moines, Iowa. The company’s mission is to provide affordable and reliable insurance services to individuals, families, and businesses throughout the United States.
Amer Insurance Company has more than 100 years of experience in the insurance industry. The company focuses on providing various types of insurance, including automobile, home, renters, life, health, and business insurance.
The company has a strong financial position, with an A+ rating from A.M. Best, a global credit rating agency that evaluates the financial strength and creditworthiness of insurance companies. This rating indicates that Amer Insurance Company has a stable and strong financial position and is capable of fulfilling its financial obligations to its clients.
Overall, Amer Insurance Company has a strong reputation and offers a range of insurance services. Now let’s dive into the company’s different insurance services.
Automobile Insurance
Amer Insurance Company offers automobile insurance to clients in all 50 states. The company’s automobile insurance policy covers bodily injury liability, property damage liability, collision coverage, and comprehensive coverage. The policy also includes roadside assistance and rental car reimbursement. Clients can customize their coverage based on their needs and budget.
The cost of automobile insurance varies depending on several factors, such as driving history, vehicle model, and location. Amer Insurance Company offers competitive rates and discounts for safe driving, multiple vehicles, and good grades for students. Clients can also save money by bundling their automobile insurance with other insurance services offered by the company.
Bodily Injury Liability
Bodily injury liability covers medical expenses and legal fees if you are responsible for injuring someone in a car accident.
Property Damage Liability
Property damage liability covers the costs of repairing other people’s property if you are responsible for damaging it in a car accident.
Collision Coverage
Collision coverage covers the cost of repairing or replacing your vehicle if it is damaged in a collision with another vehicle or an object.
Comprehensive Coverage
Comprehensive coverage covers the cost of repairing or replacing your vehicle if it is damaged in a non-collision event, such as theft, vandalism, or natural disasters.
Home Insurance
Amer Insurance Company offers home insurance to clients in all 50 states. The company’s home insurance policy covers the structure of the house, personal belongings, liability, and additional living expenses. The policy also includes protection against natural disasters, such as earthquakes and floods.
The cost of home insurance varies depending on several factors, such as the location, age, and construction of the home. Clients can customize their coverage based on their needs and budget. Amer Insurance Company offers competitive rates and discounts for installing safety devices, such as smoke detectors and security systems.
Structure Coverage
Structure coverage covers the cost of repairing or rebuilding the house if it is damaged or destroyed by a covered event, such as fire, wind, or hail.
Personal Belongings Coverage
Personal belongings coverage covers the cost of repairing or replacing personal belongings, such as furniture, clothing, and electronics, if they are damaged or stolen.
Liability Coverage
Liability coverage covers legal fees and damages if someone is injured on the property and sues for damages.
Additional Living Expenses Coverage
Additional living expenses coverage covers the cost of temporary housing and living expenses if the house is uninhabitable due to a covered event, such as a fire or flood.
Renters Insurance
Amer Insurance Company offers renters insurance to clients in all 50 states. The company’s renters insurance policy covers personal belongings, liability, and additional living expenses. The policy also includes protection against natural disasters, such as earthquakes and floods.
The cost of renters insurance varies depending on several factors, such as location, size, and value of personal belongings. Clients can customize their coverage based on their needs and budget. Amer Insurance Company offers competitive rates and discounts for bundling renters insurance with other insurance services offered by the company.
Personal Belongings Coverage
Personal belongings coverage covers the cost of repairing or replacing personal belongings, such as furniture, clothing, and electronics, if they are damaged or stolen.
Liability Coverage
Liability coverage covers legal fees and damages if someone is injured in the rented property and sues for damages.
Additional Living Expenses Coverage
Additional living expenses coverage covers the cost of temporary housing and living expenses if the rented property is uninhabitable due to a covered event, such as a fire or flood.
Life Insurance
Amer Insurance Company offers life insurance to clients in all 50 states. The company’s life insurance policy provides financial support to beneficiaries if the policyholder passes away. The policy includes various types of life insurance, such as term life insurance, whole life insurance, and universal life insurance.
The cost of life insurance varies depending on several factors, such as the age, health, and lifestyle of the policyholder. Clients can customize their coverage based on their needs and budget. Amer Insurance Company offers competitive rates and discounts for healthy lifestyles and early application.
Term Life Insurance
Term life insurance provides coverage for a specific period, such as 10, 20, or 30 years. The policy provides a lump sum payment to beneficiaries if the policyholder passes away during the term.
Whole Life Insurance
Whole life insurance provides coverage for the entire life of the policyholder. The policy provides a lump sum payment to beneficiaries if the policyholder passes away at any time.
Universal Life Insurance
Universal life insurance provides coverage for the entire life of the policyholder and allows flexibility in the premium payments and death benefit. The policy provides a lump sum payment to beneficiaries if the policyholder passes away at any time.
Health Insurance
Amer Insurance Company offers health insurance to clients in all 50 states. The company’s health insurance policy provides coverage for medical expenses, prescription drugs, and mental health care. The policy also includes preventive care and maternity care.
The cost of health insurance varies depending on several factors, such as age, health status, and location. Clients can customize their coverage based on their needs and budget. Amer Insurance Company offers competitive rates and discounts for healthy lifestyles and early application.
Medical Expenses Coverage
Medical expenses coverage provides coverage for medical and hospital expenses, including doctor visits, surgeries, and hospital stays.
Prescription Drugs Coverage
Prescription drugs coverage provides coverage for prescription drugs and medications prescribed by doctors.
Mental Health Care Coverage
Mental health care coverage provides coverage for mental health services, including therapy and counseling.
Preventive Care Coverage
Preventive care coverage provides coverage for preventive medical services, including screenings, vaccinations, and checkups.
Maternity Care Coverage
Maternity care coverage provides coverage for prenatal, delivery, and postpartum care related to pregnancy.
Business Insurance
Amer Insurance Company offers business insurance to small and medium-sized businesses throughout the United States. The company’s business insurance policy provides coverage for property, liability, and workers’ compensation. The policy also includes protection against business interruption and cyber threats.
The cost of business insurance varies depending on several factors, such as the size, type, and location of the business. Clients can customize their coverage based on their needs and budget. Amer Insurance Company offers competitive rates and discounts for safe working environments and compliance with industry regulations.
Property Coverage
Property coverage provides coverage for buildings, equipment, and other assets owned by the business.
Liability Coverage
Liability coverage provides coverage for legal fees and damages if the business is sued for damages or injury.
Workers’ Compensation Coverage
Workers’ compensation coverage provides coverage for medical expenses and lost wages if employees are injured or become ill while working for the business.
Business Interruption Coverage
Business interruption coverage provides coverage for lost income and extra expenses if the business is interrupted by a covered event, such as a fire or natural disaster.
Cyber Threats Coverage
Cyber threats coverage provides coverage for losses and damages related to cyber attacks and data breaches.
FAQ
Question |
Answer |
|---|---|
What types of insurance does Amer Insurance Company offer? |
Amer Insurance Company offers automobile insurance, home insurance, renters insurance, life insurance, health insurance, and business insurance. |
Where is Amer Insurance Company located? |
Amer Insurance Company is headquartered in Des Moines, Iowa. |
What is Amer Insurance Company’s financial rating? |
Amer Insurance Company has an A+ rating from A.M. Best, indicating a strong and stable financial position. |
How can I get a quote for insurance from Amer Insurance Company? |
You can get a quote online or by contacting a local agent. |
What discounts does Amer Insurance Company offer? |
Amer Insurance Company offers discounts for safe driving, multiple policies, good grades for students, and installing safety devices. |
How can I file a claim with Amer Insurance Company? |
You can file a claim online or by contacting a local agent. |
Overall, Amer Insurance Company is a reliable and affordable insurance provider that offers a range of insurance services to meet the needs of individuals, families, and businesses throughout the United States. By providing customizable insurance policies, competitive rates, and discounts, the company aims to make insurance accessible to everyone. If you are looking for a trusted insurance provider, Amer Insurance Company could be the right fit for you.