21st Century Insurance Review

21st Century Insurance Summary

21st Century Insurance is a wholly owned subsidiary of Farmers Insurance Group. headquartered out of Wilmington, Delaware. The company got its start in 1958 as an inter-insurance exchange under the name 20th Century Insurance. It subsequently changed its name to keep up with the new millennium. After being owned briefly by AIG. the company was eventually sold to Farmers Insurance.

As a subsidiary of Farmers, 21st Century offers a more high-tech alternative to traditionally sold policies. Whereas Farmers primarily utilizes agencies and agents, 21st Century relies more on direct sales through its website and associated mobile app. Claims and customer service can be handled online or over the phone with a call center representative.

The company employs around 2,000 people, many of whom work within the call center as customer service representatives. 21st Century s customer service has been awarded five times by the Market Tools Customer Satisfaction Achievement in Customer Excellence.

Best Auto & Home Insurance Company

Insurance Products

Auto Insurance

21st Century offers insurance coverage for several types of vehicles, including personal automobiles, recreational vehicles, motorcycles, ATVs, watercraft, boats and antique cars. Some of these policies, such as boat insurance, are underwritten by other companies but brokered through 21st Century ; when applying for the policy online, you can see which company is underwriting the policy.

Depending on the state, insurance products and discounts will vary. In all states, full-coverage and liability-only policies are available. Additional options, such as rental reimbursement. can be added to any policy. 21st Century also offers mechanical breakdown coverage. which allows you to get assistance paying for major repairs caused by certain mechanical failures. This must be purchased separately from other policies but can be carried in tandem with standard auto insurance .

All 21st Century insurance policies can be purchased online, with e-signatures allowed for signing applications.

Home Insurance

21st Century offers property protection for homeowners and renters. In addition to standard coverage for homes, apartments and condominiums, the company also provides specialized property coverage. This includes protection for mobile homes, vacation homes, rental properties and other non-standard dwellings.

Specific policy details will vary between states, and policies are not available in all areas .

Several plan types are available depending on the level of coverage you need. Among the options offered by 21st Century are replacement cost coverage for destroyed houses and personal property. Specialty property coverages are available for homes of any age or condition, including those that may not be insurable through other insurance companies .

These policies are underwritten by Farmers Insurance and Foremost and brokered through 21st Century. Customers who bundle their auto and property coverage can receive up to a 10% discount on both policies. Like auto insurance, property coverage can be purchased online or over the phone.

21st Century Insurance Price (Rates)