2024 Allied Insurance Review

Our review of Allied Insurance Company suggests that it can effectively cater to diverse insurance requirements, though its customer service quality varies. While Allied Insurance scored below average in J.D. Power studies for overall customer satisfaction, it earned positive ratings from the National Association of Insurance Commissioners (NAIC) for its home and auto insurance offerings.

Explore further to learn about Allied Insurance's range of products, including various insurance types and available discounts.

Note: Allied Insurance policies are underwritten by Nationwide. This review will therefore refer to Allied Insurance throughout this article as “Allied Insurance through Nationwide.”

Allied Insurance auto insurance review summary: Allied Insurance through Nationwide provides key auto insurance coverages required by most drivers. While the company didn’t appear in a recent J.D. Power customer satisfaction study, Nationwide did appear but underperformed in some regions. Despite this, Allied Insurance shines with its relatively low complaint index score according to the National Association of Insurance Commissioners (NAIC). Allied Insurance home insurance review summary: Allied Insurance through Nationwide offers all fundamental home insurance coverages. While Nationwide itself ranked below average in a J.D. Power study, Allied has an exceedingly low number of homeowner insurance complaints according to the NAIC.

Allied Insurance Pros and Cons

Pros	Cons
Good NAIC scores for home and auto	Coverage isn’t available in every state
Backed by Nationwide	Low J.D. Power study through Nationwide
Diverse product range
Leverages Nationwide’s mobile app and online presence

About Allied Insurance

Allied Mutual Automobile Association was formed by Harold Evans in 1929.^[1] After years of operating as a standalone brand, Allied Insurance merged with Nationwide in 1998.^[1] Policies, documents, bills and account statements for Allied customers now feature the Nationwide name and logo.

Availability

Allied Insurance through Nationwide offers a broad range of coverage options across the United States, but the availability of specific types of insurance does vary. For example, Nationwide's car insurance is not offered in Alaska, Hawaii, Louisiana or Massachusetts.^[2] Similarly, their home insurance is not available in Alaska, Hawaii, New Mexico, Louisiana, Florida, New Jersey and Massachusetts.^[3][4]

Coverage

Allied Insurance through Nationwide offers an extensive selection of insurance products to accommodate a variety of coverage needs. A detailed list of these insurance options has been compiled to assist those in search of suitable insurance solutions.

Auto insurance	Personal umbrella insurance
Boat insurance	Travel insurance
Snowmobile insurance	Identity theft insurance
ATV insurance	Flood insurance
Motorcycle insurance	Term insurance
RV insurance	Universal insurance
Personal watercraft insurance	Whole insurance
Scooter insurance	Condo insurance
Homeowners insurance	Commercial auto insurance
Renters insurance	Business owners policy
Commercial property insurance	Workers compensation insurance
General liability insurance	Commercial crime insurance
Business income insurance	Cyber liability insurance
Employment practice liability insurance	Equipment breakdown insurance
Errors and omissions insurance	Inland marine insurance
Commercial umbrella insurance	Builder’s risk insurance

Consumer Experience

Line of Business	J.D. Power Score (Out of 1,000)[5][6]	NAIC Complaint Index[7]	NAIC Share of Complaints in U.S. Market[7]
General	N/A	0.76	0.02%
Auto	806*	0.07	0.95%
Home	812	0.40	0.01%

^{*Score is the average of the 7 regions profiled}

Customer Service

Allied Insurance customers can seek out Nationwide’s comprehensive Learning Center, designed to enhance their understanding of insurance. This resource features a wide array of articles and answers to frequently asked questions, covering not only insurance topics but also offering insights into investments, cyber resources and emergency planning.

While Allied Insurance was not featured, a recent J.D. Power customer satisfaction study showed Nationwide receiving below-average scores in both auto and home insurance categories. Despite these results, it's important to note that the number of complaints registered with the NAIC for Allied Insurance for both home and auto were relatively low.^[7]

Features

For added convenience, Nationwide policyholders can manage their policies through the Nationwide mobile app, compatible with both iOS and Android devices. This app facilitates tracking of claim statuses, viewing of payment histories and accessing roadside assistance. Customer feedback for Nationwide's mobile apps on both platforms has generally been favorable.^[8][9]

Platform	Number of Reviews	Star Rating
App Store	41.2K	4.7/5
Google Play	14.1K	4.4/5

Pricing

The cost of car insurance for Allied Insurance through Nationwide customers is shaped by several key factors such as the driver's age, driving record and location. Younger drivers often have higher premiums due to their inexperience and greater likelihood of being involved in accidents. Additionally, a driver's history, including previous accidents, traffic violations and claims, has a significant impact on insurance rates; a record of incidents typically results in increased premiums. In most states, factors like credit scoreand gender may also affect the cost.

Similarly, the pricing for home insurance varies significantly and depends on factors like the age of the home, the homeowner's marital status, claims history and specific home features such as the presence of a swimming pool or trampoline.

Claims

Allied Insurance through Nationwide provides multiple convenient options for members to file claims. You can use the claims portal available on Nationwide's website or opt for the mobile app for on-the-go access. Alternatively, claims can be filed by calling their dedicated number at 1-800-421-3535, ensuring accessibility and ease for all customers. For additional support, you can contact Allied Insurance by calling 1-800-282-1446.

Allied Insurance Car Insurance

An Allied Insurance auto insurance policy through Nationwide not only meets your state's required coverage mandates but also gives you the flexibility to add extra coverage for enhanced protection of your vehicle.

What’s Covered

Allied Insurance’s auto insurance policies through Nationwide offer essential coverage types that satisfy state minimum insurance requirements, plus extra options for more comprehensive protection. These include:

• Liability coverage
• Collision coverage
• Comprehensive coverage
• Uninsured/underinsured motorists
• Medical payments coverage or personal injury protection (PIP)
• Roadside assistance
• Rental car expense coverage

What Isn’t Covered

Allied Insurance auto insurance policy exclusions through Nationwide can vary depending on the policy and region and these details are generally not disclosed publicly. Common exclusions typically include racing, intentional damage caused by the policyholder, as well as the regular wear and tear of the vehicle. Mechanical failures and breakdowns are not usually covered under standard policies unless additional mechanical breakdown insurance is purchased.

Personal belongings inside the car are also not covered by a standard auto policy. Furthermore, using the vehicle for commercial purposes, such as ridesharing or delivery services, typically isn't covered under a standard policy and would require commercial auto insurance.

Allied Insurance Home Insurance

Allied Insurance’s homeowners insurance through Nationwide offers comprehensive coverage, ensuring protection for your home, personal belongings and other structures on your property.

What’s Covered

Typically, home insurance policies encompass the following key areas:

• Dwelling coverage
• Other structures coverage
• Personal property coverage
• Loss of use coverage
• Liability coverage
• Medical payments coverage

Additionally, many policies provide the option to add extra coverages or endorsements at an added cost. This can include safeguards for high-value possessions such as jewelry and protection against identity theft.

What Isn’t Covered

Nationwide's home insurance policy, in line with industry standards, does not include coverage for flood or earthquake-related damages; these typically necessitate additional, separate policies. Homeowners are expected to manage routine property maintenance and repairs, as the policy does not cover everyday wear and tear or upkeep issues.

Deliberate damage caused by homeowners themselves is excluded from coverage. For items of significant value, such as costly artworks, standard coverage may be limited and extra endorsements or riders might be necessary for comprehensive protection. Common exclusions also include damage from pests like termites or rodents. Additionally, liabilities related to certain breeds of dogs or exotic pets may not be included. Coverage for damages arising from acts of war or nuclear incidents is usually not provided in standard home insurance policies.

Additional Policies Allied Insurance Offers

We have gathered a detailed list of additional insurance coverage types available from Allied Insurance through Nationwide, extending beyond their standard home and auto policies.

Motorcycle

Your dedicated Allied representative is committed to ensuring that your insurance coverage meets your specific needs, tailoring their motorcycle insurance offerings with your requirements in mind. Your representative will collaborate with you to craft a bespoke Allied motorcycle insurance plan, incorporating essential features such as liability coverage, collision protection, medical expenses, as well as towing, labor and roadside assistance services.

RV

With Allied RV insurance, you can enjoy peace of mind, no matter the type of recreational vehicle you own, be it a pop-up camper, a fifth wheel or a custom motor coach. Your policy can be customized to suit your requirements, offering a range of options such as liability protection, comprehensive and collision coverage, protection for personal effects, full-timer liability, roadside assistance and coverage for custom equipment.

ATV

Allied provides versatile quad-runner insurance suitable for a variety of vehicles and uses. Their agents will tailor a policy that ensures comprehensive protection throughout the year. Their ATV insurance encompasses crucial coverages like collision, comprehensive and liability. These plans also cover bodily injury, medical expenses and protection against uninsured/underinsured motorists. For a policy that truly fits your lifestyle, additional options such as towing and labor are available for customization.

Boat

Allied's pleasure boat insurance offers robust protection against expensive repairs and liabilities in case of unforeseen incidents. This coverage extends to your pleasure boat and personal watercraft all year long, whether they are docked in the water or safely stored on land. You can customize your policy with a variety of options including physical damage protection, liability coverage, uninsured/underinsured boater insurance, fishing equipment coverage, on-water towing and labor services and rental reimbursement.

Commercial

Allied Insurance’s commercial coverage through Nationwide is customized for diverse industries, providing comprehensive protection against property damage, liability and risks related to employees. The specific coverages offered include:

• Commercial property insurance
• Business owners policy (BOP)
• General liability insurance
• Workers compensation insurance
• Business income insurance
• Commercial crime insurance
• Employment practice liability insurance
• Cyber liability insurance
• Errors and omissions insurance
• Equipment breakdown insurance
• Commercial umbrella insurance
• Inland marine insurance
• Builders risk insurance

Commercial Auto

Commercial auto insurance, specifically tailored for vehicles used in business, provides coverage for liability, collision and comprehensive damages. The premium for business auto insurance is influenced by various factors such as the make, model and year of the vehicle, its original purchase cost and, particularly for trucks, the gross weight.Allied Insurance will likely take into account factors like the vehicle's purpose of use (for example, commuting, client visits or deliveries), the driving records of all drivers, any previous claims history, the specific coverage options selected (including the limits and deductibles) and the total number of commercial vehicles being insured as well.

Renters

Renters insurance is specifically crafted to protect a tenant's personal possessions from incidents such as fire and theft. Additionally, it offers coverage for the tenant's liability in cases of personal injury claims or damages occurring on the property. Notably, most renters insurance policies are highly affordable, with premiums in some states starting as low as $10 per month, making it a cost-effective solution for tenants seeking to safeguard their belongings and financial responsibility.^[10]

Condo

Allied Insurance's condo insurance is designed to comprehensively cover personal property, interior structures and liability, effectively complementing the coverage provided by your condo association's master policy. This insurance plays a vital role in safeguarding the owner's home and belongings against a range of potential risks, ensuring peace of mind and robust protection for your living space and valuables.

Life

Your Allied representative can provide you with a life insurance policy through Nationwide Insurance. Allied offers several life insurance types, including:

• Term life
• Permanent life
• Whole life
• Universal life
• Variable universal life

Other

Allied Insurance offers a range of specialized insurance policies catering to unique needs, including coverage for travel, scooters and snowmobiles. These specific policies allow for a more personalized insurance portfolio. Other specialty coverages include:

• Identity theft insurance
• Specialty liability insurance
• Personal umbrella insurance
• Agriculture insurance

Additionally, while standard homeowners insurance plans typically do not cover damage caused by earthquakes or naturally occurring floods, Allied Insurance through Nationwide provides separate earthquake and flood insurance. This ensures that even in the face of such specific and significant risks, you have the necessary protection in place, enabling a comprehensive and tailored approach to your insurance needs.

Allied Insurance Discounts

Allied Insurance through Nationwide offers discounts for their customers. Make sure to speak with your agent about discount options.

Auto Insurance Discounts

Discount Type	Description
Multi-policy discount through Allied Extra[11]	Savings for bundling car insurance with homeowners
Good student discount	Discount of up to 15% for those under 25 years of age taking 12+ credit hours with at least a 3.0 GPA[12]

Home Insurance Discounts

Discount Type	Description
Multi-policy discount through Allied Extra[11]	Savings for bundling car insurance with homeowners

How Does Allied Compare to Other Car Insurance Companies?

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