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Allied Trust Home Insurance Review (2023)

Allied Trust is a newer insurance company that offers homeowners policies in TX and LA. They also offer dwelling fire landlord insurance, condo insurance policies and a wide selection of additional coverages and endorsements.

Read Time: 7 mins

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3.5
★ HOIC RATING
Premiums 4
Claims 3
Customer Satisfaction 3
Financial Standing 4
PROS
  • Many additional coverages.
  • Excellent financial stability.
  • Variety of policy types.
  • Affordable rates are possible.
CONS
  • Poor claims handling.
  • Mixed customer service reviews.
  • Only available in Texas and Louisiana.

If you are shopping for insurance, you need to be sure that you choose a carrier who will always have your back. Allied Trust is an insurer based out of Florida that has been in business since 2015. They serve customers in Louisiana and Texas. Offering a range of different products, you can insure your home, condo, rental property, and boat. They also have options for you to purchase flood insurance or an umbrella policy if you need extra protection. On their website, Allied Trust explains they provide customizable coverage to best protect you.

The founder of Allied Trust had previously started an insurance company known as Family Security Insurance Company. This company was a leader in the state of Louisiana within the first 18 months it was in business. FSCI wrote different types of property insurance and quickly rose to the top of the industry. With this level of experience, the founder went on to create Allied Trust. 

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Allied Trust also excels in the preparedness department. They have initial capital and surplus five times higher than the state of Texas requires its carriers to hold. This highlights the company’s ability to deliver to its customers and keep them protected. It is through this factor that Allied Trust hopes to gain the trust of its customers.

Types of Allied Trust homeowners insurance coverage

When you purchase a homeowners insurance policy from Allied Trust, you will get protection from fire, water damage, theft, and other weather-related events. The areas covered are your dwelling, other structures, personal belongings, personal liability, loss of use, and medical payments. This is all very standard when it comes to homeowners insurance, but you can opt for additional coverage if you want to make your policy more comprehensive.

The amount of coverage you get is determined by how much your home is worth. As you work with an agent on getting a quote, they can evaluate your home and help you figure out your coverage limits on the policy. Allied Trust makes it possible to customize your coverage, so you can easily adjust these limits to best suit your needs.

In addition to regular homeowners insurance policies, Allied Trust also offers dwelling fire insurance policies for landlords with the ability to insure up to 10 properties on one policy, as well as policies designed for condo owners.

Additional coverages

After you put together a policy with Allied Trust, you can look over the additional coverages they offer to see which ones you want. These are the coverages they have listed on the website:

These are all endorsements that can be added for an additional fee. Allied Trust advertises that there are even more coverages available, so asking an agent for more information is worthwhile if you are looking for very comprehensive coverage.

There is also the option to purchase a flood policy with Allied Trust, which is great if you live in an area that is prone to storms. Flooding is often excluded from standard homeowners insurance policies, so getting a separate policy is necessary.

If you are looking for more personal liability coverage, you can also purchase an umbrella policy from Allied Trust. These policies are useful because they cover all of your existing policies to increase the personal liability limits.

Available discounts

Allied Trust does offer its customers discounts. This is a great way to save money on your insurance if you qualify. It is uncertain exactly which discounts are offered, but you can find out more when you get a quote from a licensed agent. The only known discount provided is when you purchase more than one policy from Allied Trust. This gives you a discount on your homeowners insurance because you bundle your policies. It is worthwhile to ask if you qualify for any other discounts they are offering.

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Cost of Allied Trust home insurance

If you are interested in getting a policy from Allied Trust, you can expect to pay around $2,600 annually. This is data from ThisOldHouse.com for a policy in Louisiana with a dwelling limit of $355,000. This price is going to fluctuate depending on the size of your home and any additional coverage you choose.

Considering the fact that Louisiana is the state with some of the highest homeowners premiums, Allied Trust rates can be cheaper than average for many homeowners. According to Nerdwallet, the average Louisiana home insurance premium is $2,675 for a policy with $300,000 worth of dwelling coverage. We have also found a couple of customer reviews online stating that Allied Trust’s rates are competitive and reasonably affordable.

Claims process

When it comes to claims, Allied Trust does not have the best reputation among its customers. Unfortunately, many people have stated the company takes a long time to pay out their claims. This is concerning because there have been many instances where people suffered a lot of damage and were left to wait on the company for payment. When you are already in a hard situation, this is the last thing you want from your insurance company.

There are other people who have recently filed claims that are very happy with the experience, but it appears these reviews are mixed. It is difficult to work with an insurer like this because you never know exactly what kind of experience you are going to get.

Customer service

People who have left reviews recently regarding Allied Trust’s customer service are mainly happy. They state the company is professional to work with and attentive to your needs. This is a good sign because you need to be able to effectively communicate with your insurer. Older reviews of the company suggest the customer service is not great, but the company has potentially improved in the last year.

According to the NAIC, Allied Trust has a complaint score of 5.05. This is higher than the national average of 1.0. This means that Allied Trust has received a lot more homeowners insurance complaints in 2022 than the average carrier of their size, which can be a warning sign before choosing to work with the company. They have 127 total complaints on record. On Google, Allied Trust has earned a 2.6-star rating from 201 customer reviews, as of the end of May 2023.

Financial strength

Allied Trust has an A rating through Demotech. This is seen as an exceptional rating in terms of financial stability and suggests the company is doing well in this area. It is a good sign if you are considering working with an insurance company because you want to make sure they are in good financial standing to cover any claims that are filed. However, it is important to note that this insurer is not yet rated by AM Best and other bigger rating agencies.

The verdict

Allied Trust is an insurer that was founded recently by experienced professionals in the insurance industry. While there are many different policies and coverages offered, they only serve the states of Texas and Louisiana. If you live in a coverage area, you will be able to get a standard homeowners policy that you can customize to suit your needs.

Judging by limited data, this carrier might have affordable rates for many homeowners in Louisiana and Texas. However, you are also not guaranteed to get any discounts on your rates, as they are not listed on the company’s website. It is best to get your personalized quote from one of Allied Trust’s agents to see how much this insurer’s policies cost for your house.

When you combine the rates with the fact that there are several mixed reviews on the company’s customer service and claims handling, it appears there are better options when you look elsewhere. You are likely going to be able to find better coverage for a lower rate when you select a different company.

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ABOUT AUTHOR
Kristen Nadel has worked as an insurance agent for 4 years and has an extensive background in writing homeowners insurance content. She is also a published author residing in Oklahoma. Her creative spirit and tenacity for excellence allow her to stay inspired. Writing is more than just a task to her — it is a lifelong passion.
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