A Guide to 21st Century Car and Home Insurance
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21st Century Insurance, a subsidiary of Farmers Insurance, offers car and home insurance to its customers. With around 24,000 employees and 50,000 agents, 21st Century has been around since 1958.
The company originally operated independently in California as 20th Century Insurance before being bought out by AIG Insurance in 2005, and then becoming a part of the Farmers Insurance Group of Companies in 2009. Today, 21st Century Insurance offers a variety of coverage options, including car insurance in 48 states and the District of Columbia and home insurance across all 50 states.
Read on to learn all about 21st Century Insurance’s offerings and how it stands out from its competitors.
21st Century Key Differentiators Compared to Other Insurance Companies
As a part of the Farmers Insurance Group of Companies, 21st Century Insurance is known for its ease of accessibility and good customer service, setting the company apart from some other insurance carriers. 21st Century Insurance also has connections with more than 70% of car rental companies, making it easy for the company’s customers to acquire a rental car after an accident.
Types of Car and Home Insurance Provided by 21st Century
When it comes to car insurance, 21st Century has a variety of types to choose from, including:
- Liability coverage
- Comprehensive coverage
- Collision coverage
- Personal injury protection coverage
- Uninsured/underinsured motorist liability coverage
21st Century Insurance also offers homeowner policies, underwritten in part by Farmers Insurance Group, comprising the following coverage types:
- Dwelling protection
- Other structures protection
- Additional living expenses coverage
- Personal property coverage
Additional Insurance Coverage Options Provided by 21st Century Insurance
In addition to more standard car and home insurance coverage, 21st Century has some optional coverage that customers can pay for.
Depending on the state in which you are insured, 21st Century Insurance provides a variety of additional car coverage options, including:
- Roadside assistance
- Car rental reimbursement
- Lease/gap coverage
Additional home insurance coverage options from 21st Century include:
- Replacement value cost coverage
- Specialty homeowners insurance
- Flood insurance (through the National Flood Insurance Program)
- Vacant home insurance
- Increased personal property coverage
- Scheduled items coverage
Discounts You Can Get Through 21st Century Insurance
While not available in every state, 21st Century Insurance does offer the following discounts on car insurance:
- Good driver discount
- Good student discount
- Driver training discount
- Safe driving test discount
- Multi-vehicle discount
- Bundling discount
- Early shopping discount
- Mature driver discount
- Vehicle safety feature discount
- Alternative fuel discount
- Homeowner discount
- Non-smoker discount
- Non-drinker discount
21st Century home insurance policyholders can also take advantage of discounts, such as:
- Bundling discount
- Protection device discount
- Early detection device discount
- Retiree discount
States in Which You Can Find 21st Century Insurance
21st Century Insurance provides car insurance in 48 states, including the District of Columbia. Hawaii and Massachusetts represent the only two states the company does not serve. On the other hand, the company does provide home insurance in all 50 states and the District of Columbia.
Keep in mind that coverage options vary by state. Check with a local agent to learn what coverage options you have in your state.
Available 21st Century Insurance Apps
21st Century Insurance offers a mobile app for Android and Apple devices called the 21st Mobile App. The app allows you to pay your bill online, report a claim, and get roadside assistance, among other things.
BBB and A.M. Best Ratings for 21st Century Insurance
To further research insurance companies, check out their rating on the BBB and A.M. Best websites. The BBB rating is an indicator of how a company responds to complaints from customers. The A.M. Best rating is a good signifier of the company’s overall financial stability, reflecting its ability to pay out a claim.
- BBB rating: 21st Century Insurance has a BBB rating of A+, which signifies a good record when it comes to addressing customer complaints.
- A.M. Best rating: 21st Century insurance has an A.M. Best rating of A, giving the company an overall excellent score when it comes to financial stability.
With the financial backing of its parent company, Farmers Insurance, 21st Century Insurance provides a selection of car and home insurance coverages, options, and discounts. With the company’s track record of great customer service and ease of access, 21st Century Insurance parlays its almost 60 years of experience to meet customer car and home insurance demands.