Republic Auto Insurance Review (2020)

A review of Republic Auto Insurance leads to The Republic Insurance Group, a company licensed to sell insurance in 13 states. They sell both personal and commercial lines of insurance.

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Republic sells both personal insurance and commercial insurance as well as program management insurance policies. The lines of personal insurance that are sold by Republic are their most popular and account for the majority of business revenue that is created. This revenue is created through monthly premium payments.

How do I get a quote from Republic Auto Insurance?

Automobile insurance coverage through Republic is competitive and comprehensively covers the auto insurance laws of the state the policy is written for. Beyond this, Republic Insurance agents make suggestions as to the amount of coverage that would be appropriate for the customer.

Agents also determine if a lienholder on the vehicle requires the customer to have additional coverage.

Homeowners’ insurance policies through Republic Insurance are tailored to meet the needs of each homeowner. Basic coverage is given for all homeowners’ insurance policies and is built upon depending on the type of home, where the home is located, and what items are in the home.

Some homeowners want the full protection allowed while others just want the basic coverage required by law.

For those who do not own a home, Republic Insurance also sells condominium insurance and renters’ insurance.

The condo insurance is for those who own a condo or those who rent a condo. Condo coverage is different than traditional coverage. Renters insurance covers what is inside the apartment since the owner of the apartment should have an insurance policy for the building itself.

The line of personal insurance products offered by Republic Insurance is completed with Dwelling Fire Insurance and Umbrella Insurance. Dwelling Fire coverage actually covers more than fires. It covers smoke, hail, civil commotion, vandalism, and more.

Umbrella insurance fills in the gaps and exceeds the limits of other insurance coverage. It is for the express purpose of providing coverage in case of a lawsuit.

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What kinds of insurance does Republic Auto Insurance offer?

Commercial insurance options from Republic are for small or large businesses. Their package policy combines several types of policies together to provide the most coverage for the best price.

Combining policies makes it easy when questions or problems arise. All your answers and information are with one company in one place.

Property, Crime, and Inland Marine policies protect the actual building the business the company is housed in. Business owners need more than just protection for the business itself.

General liability coverage extends to products, operations, and bodily injury that may occur on the property of the business. Policies can be mixed and matched to cover the specific needs of the company.

Other commercial insurance policies include Worker’s Compensation, Umbrella Liability, Commercial Auto, Farm Owners Insurance, Ranch Owners Insurance, Loss Control Services, and Comprehensive Commercial Programs that cover schools, public entities, and municipalities.

Each policy is customized to meet the business needs.

Republic’s Program Management is for businesses that would not otherwise be covered by traditional insurance due to the high risk involved.

They specifically target companies that are underserved, allowing an ample client base. These types of policies are more expensive, but Republic Insurance strives to make them affordable to clients.

Republic Auto Insurance Claims

Claims can be filed 24 hours a day, 7 days a week, 365 days per year online. Customers also have the option of filing claims through an agent. This gives the client the opportunity to ask any questions they may have and to hear directly from the agent regarding what the next steps are. The downside is that you can only speak to an agent during regular business hours.

When filing an auto insurance claim online, there are different areas to file the claim through. You can choose an Auto Glass Claim, a Home Protector Claim, a Workers’ Compensation Claim, a Water Loss Claim, or a General Claim. Once submitted, it will be processed in a timely manner.

If any questions arise while processing the claim, you will be contacted directly by the company or an agent.

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