Zurich Home Insurance Review

Zurich uses Farmers to underwrite their home insurance policies in some states. We review the company to help you make the best decision for your household.

Zurich Home Insurance Review

Zurich uses Farmers to underwrite their home insurance policies in some states. We review the company to help you make the best decision for your household.

Insurance is an important aspect of our daily lives. After all, it provides a security blanket, especially during emergencies. In this article, we will be looking at one of the most popular insurance companies around the world, Zurich Insurance.

How does Zurich compare?

Zurich Home Insurance Overview

Zurich Insurance Group Ltd. is a global insurance company with headquarters in Zurich, Switzerland. It is the largest insurance company in Switzerland and has multiple subsidiaries including providing insurance and financial services in the United States and Canada. The company is listed in Forbes’ Global 2000 in 2017 as the 91st largest company worldwide.


With an excellent reputation and rich history, Zurich Insurance is a frontrunner in global insurance services. They offer a wide variety of products and services including personal and commercial insurance policies. In the United States, however, Zurich offers commercial property insurance through its subsidiary – Zurich North America. Additionally, Farmers Insurance Group, another subsidiary, underwrite home insurance for Zurich Insurance in some states in the US.


Zurich Insurance has come a long time from being a marine insurance company when it was founded in Zurich, Switzerland in 1872. Today, the company is known for its numerous acquisitions and partnerships including offering some of the most comprehensive commercial insurance in North America.

Products by Zurich

Zurich Insurance offers different products depending on the location. In the United States, they are one of the most preferred when it comes to packaged commercial insurance and employee coverage. One of the key elements of their products is that employers and employees can get group benefits with policies that cover mostly accident and supplemental health. Some of their products include:


  • Group Accident

  • Accidental Death & Dismemberment (AD&D)

  • Group Life –For companies with employees who would like to take advantage of group life policies.

  • Auto Rental Coverage – For car rental and trucking companies which provides protections for liabilities and physical damage. The product is available for various companies that use car services such as for customer service fleets, recreational fleets, or both.

  • Builders Risk – For companies in the construction or renovation sector. The coverage is available for both residential and commercial purposes whether you are building large buildings to small homes.

  • Casualty and Liability – Zurich offers a long list of casualty and liability plans for companies including domestic and international casualty coverage for professional employment organizations.

  • Specialty Liability – Unique products including management and professional liability, environmental liability, umbrella policies and more.

  • Property Insurance – Zurich provides a wide range of products for commercial properties which can either be sold individually or in a packaged policy. Property programs are also flexible and can be tailored according to the organization’s needs.

  • Political Risk

  • Surety

  • Business Travel Accident

  • Student and Participant Accident

  • Occupational Accident For Truckers

  • Medical Stop Loss

  • Managed Care Excess

  • Long-term and Short-term Disability

  • Expatriate and International Health

  • Trade Credit

  • Workers Compensation

  • Strategic Risk Solutions

Zurich Insurance Scores

Since Zurich is one of the biggest financial companies across the globe, it is easy to see that Zurich Insurance ranks high when it comes to financial stability. Zurich Insurance received a score of A+ (Superior) which reflects its strong performance as an insurance company.

In 2017, the Better Business Bureau (BBB) also scored Zurich Insurance with an A+ rating, showing that the company is able to enjoy a good reputation for customer experience.

Pros and Cons

Pros

  • Zurich Insurance offers a wide variety of products that is excellent for businesses.

  • Excellent customer reviews

Cons

  • They do not have products offered to personal/individual use and instead uses a subsidiary company to underwrite these products.

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