Home insurance guidance was contributed by Trust Public Adjuster (Andy Molar) — a trusted public adjuster specializing in home and commercial claims. Their input helped shape these recommendations, since bundling home and auto is often the best way to save money.
Auto & home insurance recommendations
Selecting the right insurer involves more than comparing premiums. It requires understanding how claims are processed so you’re truly protected when it matters. We’ve carefully reviewed these companies with a focus on fair claims handling and the presence of an appraisal clause.
Our position
You should never need to take legal action against your own insurer just to receive what you’re owed. A fair appraisal clause provides independent claim review — it’s the foundation of a fair process.
What to look for
Ask your broker whether a policy includes an appraisal clause, how disputes are handled, and whether the insurer has a history of working with policyholders fairly before escalating.
Premier tier recommendations
Our top picks for comprehensive coverage and excellent claims service.
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- Pricing — One of the more affordable options in the premier tier without sacrificing claims quality.
- Claims handling — Consistently rated highly for fair and straightforward claims processing.
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- Pricing — Reasonably priced for the level of coverage and claims service offered.
- High net worth option — Also offers the Executive Capstone program for homes valued at $1M+ and specialty assets like fine art, jewelry, and luxury vehicles.
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- Eligibility — Available exclusively to active military, veterans, and their immediate families.
- Claims service — Consistently ranked among the best in the industry for customer service and claims satisfaction.
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- Pricing — Anticipated to be the most costly of the premier tier options, but the claims experience and customer service often justify the premium.
- Claims handling — Exceptional reputation for fair, prompt, and hassle-free claims resolution.
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- Georgia availability — May be relocating or exiting the Georgia market. Ask your broker to confirm current availability and pricing.
- Claims handling — Strong track record for fair claims processing where available.
Heads upConfirm with your broker that Central Mutual is still writing policies in your area before requesting a quote.
Second tier recommendations
These companies are recognized for fair claims handling and generally include an appraisal clause, though they may have some quirks in the process.
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- Coverage focus — Primarily designed for antique, classic, and specialty vehicles. Not a standard auto insurer.
- Claims handling — Highly regarded within the collector car community for fair and knowledgeable claims service.
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- Claims fairness — A newer company with a reputation for handling claims honestly and transparently.
- Speed — Claims processing can be slow. Factor this in if turnaround time is a priority for you.
- Rideshare coverage — Recommended for rideshare drivers. Be sure to disclose your rideshare use when getting a quote.
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- Claims handling — A newer insurer with a solid reputation for processing claims fairly and professionally.
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- Appraisal clause included — Policies include an appraisal clause, giving you options if payment disputes arise.
- Claims fairness — Processes claims fairly overall. The presence of the appraisal clause shows these policies are not designed to exploit customers.
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- Appraisal clause included — Policies include an appraisal clause, providing recourse if payment issues arise.
- Claims fairness — Processes claims fairly. Not structured to take advantage of policyholders.
- Rideshare coverage — A recommended option for rideshare drivers. Disclose your rideshare use when quoting.
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- Appraisal clause included — Policies include an appraisal clause, giving you options if disputes arise.
- Claims fairness — Processes claims fairly. Policies are not designed to exploit policyholders.
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- Appraisal clause included — Policies include an appraisal clause for dispute resolution.
- Claims fairness — Processes claims fairly overall. Policies include protections showing they are not meant to exploit customers.
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- Frontline reps — Initial claims representatives can sometimes be untrained or unhelpful. Escalating to an expert typically resolves this.
- Appraisal clause included — Policies include an appraisal clause. Once experts are involved, claims are generally handled fairly.
- Rideshare coverage — A recommended option for rideshare drivers.
TipIf your initial claim handler seems uninformed, don't give up — ask to escalate or invoke the appraisal clause. The outcome usually improves significantly. -
- Initial processors — Front-line claims processors can be difficult, but once the appraisal clause is invoked and experts are involved, claims are usually handled fairly.
- Appraisal clause included — Policies include an appraisal clause. Invoking it typically gets the right people involved.
- Rideshare coverage — A recommended option for rideshare drivers.
TipDon't be discouraged by a difficult first interaction. Invoking the appraisal clause early is often the fastest path to a fair resolution. -
- Home & auto claims — Good track record on both home and auto claims.
- Appraisal clause included — Policies include an appraisal clause for dispute resolution.
- Public adjusters — Works well with public adjusters on home claims — a positive sign for transparency and fair dealing.
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- Home & auto claims — Good track record on both home and auto claims.
- Appraisal clause included — Policies include an appraisal clause.
- Public adjusters — Works cooperatively with public adjusters on home claims.
- Rideshare coverage — A recommended option for rideshare drivers.
High net worth recommendations
For individuals with a net worth exceeding $1 million, or homes with a replacement value of $750K+. These insurers offer specialized, customized coverage.
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- Eligibility — Defines high net worth as owning a home with a replacement value of $1M or greater.
- Specialty coverage — Also serves clients with significant collections, high-income earners, and those needing large liability umbrella coverage (typically $3M+).
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- Coverage focus — Specializes in customized solutions for large homes, luxury vehicles, and other high-value assets.
- Clientele — Does not publicly advertise a minimum net worth, but generally serves individuals with multi-million dollar asset portfolios.
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- Eligibility — Designed for homes valued at $1M+ or those with specialty assets such as fine art, jewelry, yachts, or high-end vehicles.
- Executive Capstone program — A specialized offering with enhanced coverage features and limits tailored to this market.
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- Eligibility — Typically for homes with a rebuild value exceeding $750K–$1M+, high-value vehicles, and complex insurance portfolios.
- Specialty coverage — Covers significant liability umbrella needs (often $3M+) and valuable assets like jewelry, fine art, and collections.
Recommended commercial auto insurance
For business owners needing commercial vehicle and liability coverage.
- Commercial auto providersClick to see all five recommended companies(5 providers)
01 Foremost
Small business vehicles (up to 9 vehicles). Contractors, landscapers, food services, retail/service. Also offers GL and property for small operations.
02 Selective
Contractors, private schools, manufacturers, auto repair shops, professional offices, small businesses.
03 Frankenmuth
Construction, manufacturing, office & professional services, real estate, retail, auto repair, restaurants.
04 Columbia
Auto dealers, repair shops, agriculture, contractors, cyber liability, restaurants, towing & recovery, franchise businesses, workers' comp, and more.
05 Progressive Commercial
Commercial auto, BOP, GL, professional liability, workers' comp, food trucks, dump trucks, tow trucks, and a wide range of business types.
Need more detail?Contact us for guidance on which commercial insurer is the best fit for your specific business type and vehicle fleet.
Disclaimer: These recommendations are based on our professional experience and are not a guarantee of claims outcomes. Policy terms vary by state and issuance date, and we have not reviewed every policy written by each insurer listed. Always verify coverage details with a licensed agent before purchasing.
