Allied Insurance review 2021

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Since 1929, Allied Insurance has been providing coverage for people across the U.S. Although it has since joined forces with Nationwide, the company has always worked to offer multiple lines of insurance, including auto, home and life insurance. Today, through Nationwide, the company is the eight-largest U.S. insurer for home and auto.

Allied insurance history

Initially founded under the name Allied Mutual Automobile Association in 1929, the insurer was headquartered in Des Moines, Iowa with regional offices in four other states. Through its insurance portfolio comprising auto, home, life and business insurance, Allied built a reputation for having affordable policies and strong customer service. In 1998, the company finalized its agreement to merge with Nationwide Insurance, offering all of its insurance products under the Nationwide name.

Among other growth opportunities, the merger allowed Allied Insurance to broaden the number of states covered by its policies. Additionally, Douglas L. Anderson, president of Allied at the time, commented that its “employees and agents will be part of a larger organization that is able to provide policyholders of both Allied and Nationwide access to a broader range of products and services than either company could provide on its own.”

Allied auto insurance

With an Allied auto insurance policy through Nationwide, your options will range from a basic policy that meets liability requirements to more robust coverage.

Coverage

Discounts

  • Multi-policy
  • Accident-free
  • Good student
  • Anti-theft
  • Defensive driving
  • Low mileage
  • Telematics-based program
  • Safe driver
  • Automatic payments

Allied home insurance

When getting an Allied insurance quote through Nationwide for home insurance, understanding what a standard home policy covers could be helpful. A basic HO-3 home policy should cover loss or damages to your home and belongings due to covered perils like fire, hail or theft.

Coverage

  • Dwelling
  • Personal property
  • Personal liability
  • Medical payments
  • Other structures
  • Loss of use
  • Ordinance or law insurance
  • Credit card coverage
  • Brand new belongings
  • Better roof replacement
  • Identity theft
  • Water backup
  • High-value items
  • Extended replacement cost
  • Earthquake
  • Flood insurance

Discounts

  • Multi-policy
  • Gated community
  • Home renovation
  • Home purchase
  • Protective device
  • Claims-free
  • Prior insurance
  • Roof rating

Allied life insurance

The Allied insurance company also offers life insurance policies through Nationwide to help protect your family’s financial future after you’re gone. The insurer provides a wide variety of life insurance policies that offer perks beyond a death benefit payout.

Types of policies offered

  • Term: This is life insurance protection for a set period of time, usually between 10 and 30 years.
  • Whole: This offers permanent life insurance for as long as premiums are paid. There is also an added cash value benefit.
  • Universal: This type of permanent life insurance provides a death benefit and cash value account with no expiration date and flexible payment options.
  • Variable: This type of permanent life insurance has a cash value account that may be invested for higher growth.

Where does Allied operate?

Prior to its merger with Nationwide, Allied offered insurance in 33 states. The states it did not yet operate in included:

  • Alabama
  • Alaska
  • Arkansas
  • Connecticut
  • Hawaii
  • Kentucky
  • Louisiana
  • Maine
  • Massachusetts
  • Mississippi
  • New Hampshire
  • New Jersey
  • New York
  • Oklahoma
  • Rhode Island
  • Vermont
  • Washington, D.C.
  • West Virginia

Now, joined with Nationwide, Allied’s coverage extends to most U.S. states. Allied and Nationwide are not available in fewer than 10 states, between home and auto.

Allied ratings, reviews, customer satisfaction and complaints

As its insurance products are now sold through Nationwide, Allied receives the benefit of ranking as a top insurer in most aspects. In the 2020 J.D. Power Auto Claims Study, Nationwide earned a position within the top 10 insurers for customer claims satisfaction, with a score of 876 out of 1,000 points. In the 2020 J.D. Power Life Insurance Study, Nationwide ranked third-best in customer satisfaction, with a score of 803 out of 1,000 points. However, the company did not score as high in the 2020 J.D. Power Home Insurance Study, instead ranking considerably below the industry average.

AM Best grades Nationwide an A+ (Superior) in financial strength, lending to its credit as a reliable insurer. Additionally, its mobile app has a 4.4 out of 5 rating on both the App Store and Google Play Store.

Reasons why Allied is a good option

Getting a car insurance, life insurance or a home policy from Allied could be a great experience if you enjoy the reliability of working with a household-name insurer, such as Nationwide, and having options to work directly with an agent or handle your policy digitally. Because multiple insurance lines are offered, those seeking to bundle their policies with a single insurer may also find working with Allied through Nationwide to be a convenient option.

However, as its homeowners insurance customer satisfaction does not rank as high compared to other top insurers, those seeking home coverage may benefit from judging the carrier against multiple trusted third-party resources, such as AM Best and J.D. Power, to see how well the provider meets their insurance needs.

Additional policies offered by Allied

In addition to car, home and life insurance, Allied gives customers access to other insurance products. Additional policies include:

  • Business insurance
  • Farm/ranch insurance
  • Motorcycle insurance
  • Boat insurance
  • RV insurance
  • Snowmobile insurance
  • ATV insurance
  • Umbrella insurance

Product availability may vary by state.

Frequently asked questions

What do I need to get an Allied Insurance quote?

You may initiate the quote process online or contact a Nationwide agent to walk you through coverage selections and pricing. It helps to have your contact information, details about your home or vehicle and any information regarding additional drivers.

Are Allied insurance policies still available after the merger?

Yes. Since the merger, Allied now offers its insurance policies through Nationwide. While everything is labeled under the Nationwide name now, you may still receive quotes and coverage by speaking with a Nationwide agent or using its website.

How do I file an Allied Insurance claim?

After signing up for online account access, you can file your claim online, through the mobile app or call your local Nationwide agent to file the claim.

Does home insurance cover a stolen item?

Theft of belongings up to a certain value are typically covered under a standard home insurance policy. There are also additional coverages that could be added to offer more extensive protection, such as high-value item coverage and credit card coverage.

Written by
Mariah Posey
Insurance Editor
Mariah Posey is an insurance writer and editor for Bankrate.com specializing in auto and home insurance. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. With a background in reporting and feature writing, she has a knack for conducting research, writing factually while incorporating compelling details, and prioritizing story intent. Mariah is originally from New Jersey and holds a bachelor’s degree in journalism from Elon University. Prior to joining the team, she worked as a copyeditor and writing consultant at her alma mater. She has covered topics ranging from news to tech and lifestyle and has a vested interest in producing engaging content for audiences.
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