Centauri Homeowners Insurance Review & Ratings (2023)
Finding the right homeowners insurance can be a daunting task, but with centauri, you can trust that your home and belongings are in good hands. Our comprehensive coverage offers protection against a wide range of risks, including fire, theft, vandalism, and natural disasters. Whether you own a house, condo, or rental property, we have tailored insurance solutions to meet your specific needs.
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Laura Walker
Former Licensed Agent
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...
Former Licensed Agent
UPDATED: May 25, 2023
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Welcome to our comprehensive guide on Centauri Homeowners Insurance and everything you need to know about protecting your home and belongings. We will cover a range of important topics, including the benefits of Centauri Homeowners Insurance, the coverage options available, the exceptional customer service provided by Centauri, and the peace of mind it offers.
Don’t miss out on the opportunity to secure the best coverage for your home. Enter your zip code now to compare rates from the top insurance providers in your area and ensure you’re getting the best possible deal. Your home deserves the protection and care that Centauri Homeowners Insurance can provide.
What services does Centauri Insurance provide?
Centauri Insurance offers residential protection in the form of homeowners insurance, fire insurance, condominium insurance, flood insurance, and tenants insurance. Centauri also provides commercial-residential insurance and business owners insurance. Learn what every business owner needs to know about commercial insurance to be prepared for disaster.
Additionally, Centauri Insurance offers specialty residential policies for customers living in Hawaii. These plans cover damages caused by earthquakes and hurricanes.
Centauri Insurance Homeowners Policies
One of the services provided by Centauri Insurance is coverage for homeowners. Homeowners insurance provides coverage for your home and property. A good homeowners insurance policy is essential to protect your house and belongings in case of natural disaster or burglary.
A Centauri Insurance homeowners policy covers property in the form of homes, garages, sheds, fences, and other structures. Centauri homeowners insurance plans also cover possessions like appliances, dishes, clothing, and additional personal belongings. Centauri provides a home inventory checklist for you to document the valuables in your house.
Liability coverage is included in a Centauri Insurance homeowners plan.
Liability insurance is coverage that protects you from being sued if someone is hurt or suffers damages on your property.
Also included in a Centauri homeowners insurance policy is coverage for additional living expenses while your property is repaired. This means that if you cannot use your home or property because of damages, your plan will pay for your housing, food, and moving costs while repairs to your property are completed.
Coverage for unique valuables, such as collectibles or fine art, may be available through a Centauri Insurance agent. Additional coverages for home mechanical failures or electrical problems are covered under homeowners equipment breakdown insurance, and an agent can provide more information regarding this coverage.
Centauri Insurance Fire Protection
Fire insurance provided by Centauri Insurance protects your home and belongings in the event of a fire. Centauri fire insurance covers damages caused by natural disasters, theft, and vandalism. This type of policy is usually written on homes that don’t qualify for a homeowners package policy.
Centauri fire insurance also includes liability protection, as well as coverage for appliances or tools kept on site.
A fire insurance policy through Centauri Insurance may also protect your income.
If you cannot use your property or tools for work as the result of a fire, your plan may pay you until the repairs to your property are complete.
Centauri Condominium Insurance
Centauri’s condo insurance plan covers items in your home, such as appliances, dishes, electronics, clothing, and other personal valuables. Centauri provides a home inventory checklist to itemize the belongings in your condominium.
Like Centauri homeowners insurance, condominium insurance includes liability coverage, additional living expenses coverage, and coverage for unique valuables and collectibles like jewelry or fine art.
Centauri Flood Insurance
Flood insurance protects your property and personal belongings if they are damaged by a flood, even if a disaster has not been declared. You should also read about whether you need tropical storm insurance for homeowners.
The National Flood Insurance Program (NFIP), managed by FEMA, provides most people the opportunity to purchase flood insurance. However, most of these policies include a 30-day waiting period before your plan takes effect and may be used.
With flood insurance protection through Centauri Insurance, there is no 30-day waiting period.
Centauri Insurance fire protection may include rates lower than the NFIP and a greater range of deductible options. Flood insurance policyholders may qualify for a flood policy discount.
Centauri Insurance Tenants Insurance
Renters are not always in control of how well or poorly their homes or buildings are maintained. If the building is damaged or destroyed, your property could be lost. Centauri tenants insurance protects the belongings kept on rented property.
Centauri Insurance provides a home inventory checklist to catalog your possessions.
Centauri tenants insurance protects your personal belongings such as furniture, clothes, electronics, and other valuables. Tenants insurance policies through Centauri include liability protection, as well as coverages for additional living expenses and rare or unique items.
Centauri Insurance Commercial Coverages
Centauri’s commercial liability insurance and other coverages include commercial-residential and business owners insurance.
Centauri commercial-residential insurance is designed for medium-sized condos, apartments, and homeowners associations. Business owners insurance provides coverage for buildings, business personal property, and business income. Centauri business owners insurance also includes liability coverage.
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What is Centauri Insurance?
Centauri Insurance Company, also known as Centauri Specialty Insurance Company, is an American insurance provider with its headquarters in Sarasota, FL. It was founded in 2006, and the current president and CEO is Rick Espino.
Centauri Insurance Financial Ratings
It’s always wise to check an insurance company’s third-party financial ratings before using its services. Financial ratings are unbiased estimations of an insurance provider’s ability to meet its obligations.
Centauri Insurance is unrated by A.M. Best, one of the country’s most trusted financial reviewers.
Additionally, there are no ratings for Centauri Insurance provided by Standard & Poor’s or Fitch, two more respected sources of financial ratings.
Centauri Insurance Customer Reviews
Besides third-party financial ratings, it’s smart to check a company’s customer reviews to learn what real consumers think about the provider.
Centauri Insurance is not accredited by the Better Business Bureau (BBB). However, the company has a BBB rating of B+, based on customer reviews and complaints. There are 12 complaints against Centauri Specialty Insurance Company with the BBB, and the company has a 2/5 star rating out of eight customer reviews.
Centauri Insurance has an average rating of 2.2/5 stars on Google, with a total of 56 customer reviews. And on Clearsurance, Centauri has a 2.46/5 star rating out of 15 customer reviews.
Negative customer reviews cite poor customer service, delayed response time, and failure to honor agreements as the main complaints against Centauri Insurance.
Centauri Insurance: Final Thoughts
Centauri Insurance is a lesser-known insurance provider located in Florida. It offers both residential and commercial forms of insurance protection, including homeowners and flood insurance options.
The Good
Centauri Insurance offers a standard line of insurance products. It does not provide details regarding plan rates on its website. However, the most appealing features of Centauri Insurance are:
- Homeowners insurance. Centauri insurance provides a homeowners insurance policy that includes several beneficial features. Homeowners insurance is important, and the included liability insurance and coverage for additional living expenses add value to this plan.
- Fire insurance. Centauri fire insurance is an option for homes that may not qualify for a full homeowners policy, such as a cabin. It not only protects your property from natural disasters but also fire damage resulting from theft or vandalism.
- Flood insurance. Perhaps the most helpful policy offered by Centauri Insurance is its flood insurance plan. This coverage is nice because it does not include a 30-day waiting period, and it provides a wide range of deductible options.
Centauri Insurance might be a good choice for anyone in a flood-risk area or someone seeking homeowners insurance with added benefits.
The Bad
Although Centauri Insurance provides a couple of different insurance options that may be beneficial to you, there are several aspects about this company that are less appealing.
- Lack of details online. The Centauri Insurance website does not provide much in-depth information regarding its policies, and it suggests that curious customers call and speak with an agent for more details.
- No financial ratings are available. Centauri Insurance has not been independently rated by any of the most trusted third-party financial reviewers.
- Poor customer reviews. Centauri Insurance has received many negative customer reviews and online complaints. Most complaints specify poor customer service, long response time, and failure to honor commitments as the reasons for their negative review.
Of course, not every review is poor, and Centauri Insurance may still be a good choice for you and your family. It’s important that you review the company thoroughly, that you consider all the information included here, and that you do lots of research on multiple companies before making a final decision. You can look how to get free insurance quotes online before making a purchase.
Make sure you’re aware of all your options. If you’ve read our review on Centauri Insurance and you’re still undecided, enter your ZIP code into our free quote comparison tool to see rates available from top companies today.
Frequently Asked Questions
What types of insurance policies does Centauri Insurance offer?
Centauri Insurance offers a range of personal and commercial insurance policies, including homeowners, renters, condo, flood, auto, umbrella, and business owners policies.
How does Centauri Insurance stand out from other insurance providers?
Centauri Insurance differentiates itself by offering customizable insurance policies, excellent customer service, and innovative technology, such as a mobile app that allows customers to manage their policies and file claims easily.
What regions does Centauri Insurance serve?
Centauri Insurance primarily serves the Gulf Coast states of Alabama, Florida, Louisiana, Mississippi, and Texas, but it also offers insurance in Arizona, Georgia, Hawaii, South Carolina, and Oklahoma.
What is Centauri Insurance’s approach to claims?
Centauri Insurance aims to make the claims process as easy and stress-free as possible for customers. They have a 24/7 claims hotline and a team of experienced claims adjusters who work quickly to resolve claims fairly and efficiently.
How can I get a quote from Centauri Insurance?
Customers can get a quote from Centauri Insurance by visiting their website, calling their toll-free number, or contacting a licensed agent. The company offers free, no-obligation quotes and aims to provide competitive pricing and flexible payment options.