21st Century Insurance, a subsidiary of Farmer’s 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 insurance options, including car insurance in 48 states and the District of Columbia and home insurance across all 50 states.
In the article below, Part 1 describes how 21st Century differs from other insurance companies, Part 2 talks about the types of insurance 21st Century provides, Part 3 covers any additional insurance options from the company, Part 4 discusses common discounts from 21st Century Insurance, Part 5 lists the states in which you can find 21st Century Insurance, Part 6 gives details on the available 21st Century Insurance apps, and Part 7 goes into detail about the ratings from the Better Business Bureau (BBB) and A.M. Best. for 21st Century Insurance.
Part 1 of 7: 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 insurance companies
. 21st Century Insurance also has connections with more than 70% of the car rental companies, making it easy for the company’s customers to acquire a rental car after an accident.
Part 2 of 7: Types of car and home insurance provided by 21st Century
Like many car insurance companies, 21st Century provides the standard variety of insurance types. The company provides the following insurance types to customers.
Car insurance types: When it comes to car insurance, 21st Century has a variety of types to choose from, including:
- Comprehensive coverage
- Collision coverage
- Personal injury protection coverage
Uninsured/underinsured motorist liability coverage
Home insurance types: 21st Century Insurance also offers homeowner policies, underwritten in part by Farmers Insurance Group, including the following coverage types:
- Other structures protection
- Additional living expenses coverage
- Personal property coverage
Part 3 of 7: Additional insurance coverage options provided by 21st Century Insurance
In addition to more standard car and home insurance coverage, Century 21 has some optional coverage that customers can pay for. The section below talks about the different coverage options available from 21st Century.
Car insurance coverage options: Depending on the state in which you are insured, 21st Century Insurance provides a variety of coverage options in addition to that of a standard car insurance policy, including:
- Car rental reimbursement
Home insurance coverage options: Home insurance options from 21st Century range from covering homes that other insurers refuse to cover, flood insurance, and additional protection for your personal items. The various coverage options 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
Part 4 of 7: Discounts you can get through 21st Century Insurance
To help defer the cost of car and home insurance, 21st Century offers a range of discounts to its customers. The section below outlines the discounts available.
Car insurance discounts: 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
Home insurance discounts: 21st Century home insurance policyholders can also take advantage of discounts, such as:
- Protection device discount
- Early detection device discount
- Retiree discount
Part 5 of 7: States in which you can find 21st Century Insurance
When it comes to providing car insurance coverage, 21st Century Insurance provides car insurance in 49 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.
Part 6 of 7: Available 21st Century Insurance apps
21st Century Insurance offers a mobile app for Android and Apple devices called the 21st Century Insurance app
. The app allows you to pay your bill online, report a claim, and get roadside assistance, among other functionality.
Part 7 of 7: BBB and A.M. Best ratings for 21st Century Insurance
To further research whether to use a particular insurance company or not, check out the companies rating on the BBB and A.M. Best websites. The BBB rating helps to determine how a company responds and meets the complaints from customers, while the A.M. Best rating is a good signifier of the company’s overall financial stability, affecting the company’s ability to pay out on a claim.
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 rating when it comes to financial stability.
With the financial backing of its parent company, Farmer’s Insurance, 21st Century Insurance provides a selection of car
and home insurance types, 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.