Wawanesa Insurance review 2021

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Wawanesa is a Canadian insurance company that also offers coverage in California and Oregon. Currently, only auto and renters insurance are available in both states. With so many insurance companies on the market, how do you know if Wawanesa is a good choice?

Bankrate’s insurance editorial team reviewed Wawanesa’s products, coverages, discounts, average premiums and third-party scores to help you decide if the company is right for you. Our research might help you make a more educated decision about your insurance coverage.

Wawanesa auto insurance

Wawanesa offers auto insurance in both California and Oregon, although available coverages could vary by state. If you are considering getting an auto insurance quote from Wawanesa, you may want to understand what coverages and discounts are typically available and how much a policy usually costs.

Types of coverage

The following Wawanesa auto insurance coverages are available to protect your vehicle:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection (PIP) — Oregon only
  • Medical payments — California only
  • Comprehensive coverage
  • Collision coverage
  • Roadside assistance
  • Car rental coverage
  • Uninsured motorist bodily injury
  • Uninsured motorist property damage
  • Uninsured motorist collision waiver — California only
  • Underinsured motorist bodily injury — California only
  • Vehicle manufacturer replacement parts
  • Special vehicle equipment coverage

Talking to an agent about the coverages offered and what options you may want to consider could help you insure your vehicle appropriately.

Cost of Wawanesa car insurance

Full coverage car insurance from Wawanesa costs an average of $1,599 per year, according to 2021 rate data provided by Quadrant Information Services. This is slightly lower than the national average cost of car insurance, which is $1,674 per year for full coverage.

Minimum coverage with Wawanesa is a bit higher than the national average. Wawanesa’s average minimum coverage premium is $652 per year, whereas the national average is $565 per year.

Average annual premium for minimum coverage Average annual premium for full coverage
$652 $1,599

Discounts

In California, Wawanesa offers six discounts on its auto insurance policies:

  • Good driver
  • Multi-car
  • Loyalty
  • Multi-policy
  • Mature driver course
  • Affinity groups

Oregon drivers have more options when it comes to auto insurance discounts, with the following savings opportunities offered:

  • Driver training
  • Insurance score
  • Mature driver course
  • Multi-car
  • Vehicle recovery system
  • E-collect and e-distribute (automatic payments and paperless documents)
  • Loyalty
  • Military
  • Multi-policy
  • Persistency (continuous insurance)

Wawanesa home insurance

Wawanesa has historically offered homeowners insurance in California, but coverage is not currently available. The company notes that it is making changes to its home insurance program to better serve its customers before it begins to offer these policies again. Homeowners insurance is not currently offered in Oregon.

Types of coverage

Wawanesa Insurance has a broad range of coverage for its home insurance product. Keep in mind that these were the home insurance coverages previously offered. The coverages that become available once the company begins to write new home insurance policies again could be different:

  • Dwelling
  • Other structures
  • Personal property
  • Loss of use
  • Personal liability
  • Medical payments to others
  • Increased limits
  • Scheduled property
  • Limited earthquake coverage
  • Credit card coverage
  • Special limits enhancement endorsement
  • Identity fraud expense
  • Home systems protection
  • Service line
  • Home cyber protection

Other coverages may be available depending on your needs, once Wawanesa reopens its California home insurance business.

Discounts

Previously, Wawanesa offered the following home insurance discounts:

  • Multi-product
  • Non-smokers
  • Sprinkler system
  • Burglar alarm
  • Water alarm
  • Loyalty
  • Claims free

Just like with coverages, the discounts that are available once Wawanesa begins to write home insurance in California again could be different.

Wawanesa renters insurance

Wawanesa renters insurance is offered in both California and Oregon. Although renters insurance isn’t required by law, it could be required by your landlord. Protecting your valuables with an affordable renters insurance policy is often a wise decision.

Types of coverage

The following coverages are offered for renters insurance in both California and Oregon:

  • Personal property
  • Loss of use
  • Personal liability
  • Medical payments to others
  • Scheduled personal property
  • Increased limits for jewelry, collectibles, firearms and more
  • Earthquake coverage — limited in California
  • Business pursuits protection
  • Permitted incidental occupancies — Residence Premises

Additionally, Oregon renters have these options available:

  • Personal property replacement cost
  • Special personal property
  • Home systems protection
  • Identity fraud expense

Discounts

Wawanesa renters insurance in California can be even more affordable, thanks to the following discounts:

  • Residence protection devices
  • Gated community/secured building discount

Oregon residents might be able to take advantage of these renters insurance discounts:

  • Residence protection devices
  • Sprinkler protection
  • Multi-policy

Where does Wawanesa operate?

Wawanesa sells insurance throughout Canada, its home country, but also sells coverage in California and Oregon. Wawanesa does not sell insurance in any other U.S. states or the District of Columbia.

Wawanesa ratings, reviews, customer satisfaction and complaints

When evaluating your insurance options, you may want to take Wawanesa’s financial stability and customer reviews into account. The company’s home insurance is not rated by J.D. Power, but its auto insurance takes the top spot for customer satisfaction in California. Additionally, AM Best gives Wawanesa a financial strength rating of A (Excellent), meaning the company is likely financially stable enough to pay out claims even if there is a large influx of losses.

J.D. Power 853/1,000 for first place
NAIC Complaint Index 3.82 (above average)
AM Best A (Excellent)

Reasons why Wawanesa is a good option for insurance

Wawanesa could be a great option for California or Oregon renters who also need auto insurance. Bundling policies is often one of the best ways to save money on your insurance needs. Customers looking for excellent customer service may also want to consider Wawanesa. The company’s J.D. Power score indicates that most customers are highly satisfied with Wawanesa’s service.

However, because the company currently does not sell homeowners insurance, Wawanesa may not be the best option for policyholders who own homes or condos and want to keep their coverage with one company. Once the company reopens its home insurance business, homeowners could once again bundle their home and auto coverage with Wawanesa.

Additional policies offered by Wawanesa

Wawanesa has historically offered condo owners insurance in California. But like with homeowners insurance, condo coverage is currently unavailable while the company makes some changes.

Currently, Wawanesa only sells auto and renters insurance.

Frequently asked questions

Is Wawanesa insurance cheap?

Wawanesa’s average full coverage car insurance premium is a bit lower than the national average, but the company’s average minimum coverage premium is higher than the national average. The cost of your car insurance depends on numerous factors, though, so you may pay more or less than the average.

How do I file a claim with Wawanesa?

Wawanesa wants to make the claims process as simple and stress-free as possible. To file a claim, you can visit the Wawanesa website and enter the required information. You can also call Wawanesa at 1-888-929-2252.

Why can’t I buy Wawanesa home or condo insurance in California?

Wawanesa has previously offered both these types of policies in California but is not currently writing new home or condo insurance policies. The company’s website says it is making changes to better serve its customers before offering these policy types again.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with nearly a decade of experience in the insurance industry as a licensed insurance agent.
Edited by
Insurance Editor