Peak Property and Casualty Insurance Reviews: Coverage, Claims, and Customer Feedback

Peak Property and Casualty Insurance offers a range of insurance products, including auto, home, and commercial policies. As a relatively new company founded in 2009, customer reviews of Peak Property and Casualty Insurance can provide helpful insights into policyholders’ experiences. This article examines Peak’s coverages, claims process, customer service, and real policyholder reviews.

An Overview of Peak Property and Casualty Insurance

Headquartered in Bloomington, Illinois, Peak Property and Casualty Insurance operates in over a dozen states across the southern and midwestern U.S. They focus on providing affordable insurance options along with quality customer service.

Peak Property and Casualty sells policies through local independent insurance agents. Their products include:

  • Auto insurance
  • Homeowners insurance
  • Renters insurance
  • Condo insurance
  • Umbrella insurance
  • Business insurance

The company holds an A- rating from AM Best, indicating excellent financial strength. Peak also has low complaint levels according to the National Association of Insurance Commissioners (NAIC).

Peak Property and Casualty Insurance Coverages

Auto Insurance

Peak’s auto insurance plans offer standard protections like collision, comprehensive, and liability coverage. Policyholders can also add extras like roadside assistance, rental reimbursement, and rideshare coverage.

Drivers can qualify for common discounts on their premiums:

  • Safe driver discount
  • Defensive driving course completion
  • Good student discount
  • Multi-vehicle discount
  • Homeownership discount

Home Insurance

For homeowners, Peak provides policies to cover damage from perils like fire, wind, hail, theft, and more. Liability protection is included to cover injuries on the policyholder’s property.

Optional add-ons include coverage for jewelry, electronics, flood damage, sewer/drain back up, and identity theft. Peak home insurance customers can also save by bundling with an auto policy.

Business Insurance

Peak Property and Casualty offers general liability, professional liability, workers’ compensation, commercial auto, and business property insurance for small and mid-sized businesses.

Coverage can be customized based on the company’s operations, property values, payroll, and other factors. Business owners can also bundle multiple policies.

The Peak Property and Casualty Claims Process

Policyholders have a few options for starting a claim with Peak Property and Casualty:

  • Phone – Call Peak’s claims center at 1-800-235-3673. Representatives are available 24/7.

  • Online – Claims can be initiated through the policyholder portal on Peak’s website.

  • Mobile app – The Peak mobile app includes claims management tools for starting and tracking a claim.

Peak aims to resolve claims quickly while keeping policyholders informed about timelines and next steps. However, some customer reviews mention frustrations with delays in processing claims. It’s important to provide any supporting documents and be responsive to adjusters’ inquiries to help speed up the process.

Customer Service for Peak Property and Casualty Policies

Peak focuses on providing knowledgeable and friendly customer service. Policyholders have access to support in a few ways:

  • Phone – Peak’s customer service line is 1-800-235-3673. Live agents are available 24/7.

  • Email – Customers can send secure messages to Peak customer support at by logging into their account.

  • Mobile app – The Peak app provides access to policy information and starting claims.

  • Website – Customers can manage their policies, make payments, and access documents through their online account.

Response times and resolution quality may depend on the specific representative. Some reviews praise Peak’s helpful service while others complain of frustrating experiences trying to solve issues.

Real Customer Reviews of Peak Property and Casualty

Now, let’s look at real customer reviews from sources like the Better Business Bureau (BBB), Google, and third-party review sites. This can help provide balanced insights into Peak’s products and customer satisfaction.

Positive Reviews

“I’ve had Peak for 3 years now. Rates are good and whenever I’ve had to call in the reps are always super friendly and helpful.”

“Peak made the entire process of switching to them really simple. My agent explained all the coverage options clearly. I’d recommend them for home insurance.”

“Easy to work with and very fast payment when I had to file a claim after a fender bender. Peak took care of everything with the other driver’s insurance.”

Negative Reviews

“Filed a claim after a storm damaged my roof and it took almost 2 months to get an adjuster out and get things settled. Very poor service.”

“Constant billing issues with Peak. Sign up said one rate but then they charged me $30 more per month. Still working to get it corrected.”

“Switched to Peak for lower rates but then they increased my premium by a huge amount at my renewal for no reason. Would not recommend.”

Key Takeaways

  • Peak appears to offer affordable rates to many policyholders, especially on bundled policies.

  • Response time and resolution for claims processing is a common frustration. Experiences vary widely.

  • Opinions on customer service are mixed between praise for friendly service and complaints about resolving issues.

  • Billings errors and unjustified rate hikes at renewal upset some customers.

  • Switching to Peak is relatively smooth and agents explain coverages thoroughly for many people.

How Do Peak Property and Casualty Reviews Compare to Competitors?

Peak faces competition from large national insurers and smaller regional companies. Here’s how Peak’s reviews and ratings stack up against competitors:

Insurer AM Best Rating BBB Rating Sample Customer Feedback
Peak Property and Casualty A- A+ Mixed reviews on claims and customer service
State Farm A++ A+ Consistently positive reviews and claims experiences
Allstate A+ A+ Lower customer satisfaction claims handling and pricing transparency
Progressive A+ A+ Streamlined claims processes but some concerns about denying valid claims
American Family A A+ Excellent customer service but higher rates than some competitors

Peak shows average performance among competitors based on financial strength, BBB score, and policyholder feedback. While they meet customers’ needs for affordable pricing, there are opportunities to improve claims handling and customer support.

Is Peak Property and Casualty Right For You?

Peak Property and Casualty is a good option for drivers seeking lower rates. They make the quote and policy purchase process easy and convenient through local agents and digital tools.

However, it’s important to consider Peak’s mixed reviews on claims payments and customer service delays before choosing them as your insurer. Weigh pricing against potential frustrations if you have to file a claim.

Drivers or homeowners with clean records and eligibility for discounts may find good value with Peak. But those wanting top-tier customer experiences may prefer options like State Farm or American Family.

Ultimately, your individual factors will determine if Peak is the right insurer for your needs. Get quotes from Peak and competitors before deciding, and make sure to read recent customer feedback. This will ensure you select affordable coverage while setting proper expectations for service as a Peak policyholder.

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Is peak property and dairyland the same?

Dairyland Insurance was acquired by Sentry Insurance in 1966. Viking Insurance Co. of Wisconsin, Peak Property and Casualty and a handful of other insurers are also owned by Sentry and may underwrite Dairyland insurance policies.

Is property insurance the same as casualty insurance?

Property insurance helps cover stuff you own like your home or your car. Casualty insurance means that the policy includes liability coverage to help protect you if you’re found legally responsible for an accident that causes injuries to another person or damage to another person’s belongings.

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