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Certainly Renters Insurance Review

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Certainly is an insurance company that offers renters insurance policies backed by Liberty Mutual. It also offers identity protection services as an add-on to help customers in case their identities are stolen.
 
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How is Certainly rated?

Breakdown

Overall Rating: 0 / 5 (N/A)

Certainly offers affordable and comprehensive renters insurance policies through its partnership with Liberty Mutual. Because the company is so young, it's a little difficult to assess its customer service yet, but it's backed by one of the leading insurers in the nation, so you don't have to worry about having any trouble getting your money should you need to file a claim. If you're considering Certainly, you can get a free quote online in just a few minutes to see if it's a good fit for you.

Certainly Coverage

Coverage Options - 0 / 5

Certainly's renters insurance policies cover all the major events you'd expect them to, including theft, vandalism, fire and most weather-related events. They also cover medical costs for others injured in your home and the cost of staying somewhere else if your home is temporarily uninhabitable. It also offers full replacement cost on all of your personal property, which isn't something all renters insurance companies do. You can purchase identity theft protection as an optional coverage as well, but this will cost you another $5 per month.
Basic Coverage
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Medical Payments
Optional Coverage
Identity Theft Restoration
Property Valuation Methods
Replacement Cost

Exclusions

Certainly's policies do not cover roommates, some dogs, damage due to flooding or earthquakes, business property or home-sharing customers staying at your home.

Pricing & Discounts

Add-Ons & Discounts - 0 / 5

Certainly doesn't appear to offer any renters insurance discounts, but this shouldn't be a huge concern for most people as its policies are pretty affordable and start as low as $5 per month. You can also keep your monthly costs down by choosing a higher deductible.
Annual Premium
Starting at $60
Deductible Options
$250, $500, $1,000 or $2,500
Maximum Liability Coverage
$250,000
Annual Premiums
The above estimate assumes $10,000 of liability coverage and a $250 deductible.

Customer Experience

Customer Service - 0 / 5

It's a bit difficult to get a read on Certainly's customer service. Liberty Mutual hasn't fared too well in J.D. Power's customer satisfaction surveys, but while it is underwriting your policies, you'll contact Certainly with any questions or claims you have and they will work with Liberty Mutual to get you paid. Certainly hasn't been around that long yet and there aren't many reviews of it so it's hard to know how it stacks up against the rest of the industry. If you have any questions for the company or you want to assess its customer service for yourself, try reaching out by phone or email.

National Association of Insurance Commissioners

NAIC Complaint Ratio
13.77
NAIC Total Complaints
92
*The NAIC complaint ratio (in this case 13.77) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Financial Strength Ratings

Financial Strength - 0 / 5

All of Certainly's renters insurance policies are underwritten by Liberty Mutual, which has been in business since 1912. The company maintains strong financial strength ratings, which indicate that it is more than capable of paying out your claims if necessary.
Underwriter
Liberty Mutual
Standard & Poor's Financial Rating
A
Moody's Financial Rating
A2
AM Best Financial Rating
A
Company Type
Subsidiary/ Partner
*The above information reflects the financial strength of the underwriter of the Certainly renters insurance policies: Liberty Mutual.
*The above information reflects the financials strength of Liberty Mutual, an insurance company that this insurance marketplace offers policies through.

Contact & Additional Information

Homepage URL
https://www.getcertainly.com/
Company Phone
(877) 736-4485

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Customer Comments & Reviews

Loading Reviews ...
dandrea21402
1/22/2022
No liberty mutual has the worse turn around with pay outs for claims in the history of insurance companies. I have called other insurance companies who has a 7 day turn around process it has now been 3 weeks since I filed my claim and I still have not received payment. I've given them video recordings of the person burglarizing my home I've given the the DC numbers for the police report I've identified the person who has done it and liberty mutual still has not sent out payment. It's only a $5,000 policy when other insurance companies have a nothing less than a $15,000 pay out. Liberty mutual is the worst of the worst of the insurance companies out here. I have not once spoken to my new... Read More

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