Columbia Property Insurance Review & Ratings (2022)

When searching for proper business insurance, it can be tough to find something that covers all of your needs. With Columbia Insurance, you get a straightforward insurance company that offers plenty of coverage options that can help make covering your business simple and easy.

UPDATED: Jun 21, 2022Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

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...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 21, 2022

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columbia insurance

The Rundown

  • Columbia property insurance offers a variety of coverage, from damages to the premises to debris removal
  • Columbia Insurance Group is not Better Business Bureau (BBB) accredited but has an A+ rating and no complaints on file for the past three years
  • Columbia also offers a business policy that covers common needs for small to medium businesses 

Columbia Insurance Group has a long history within the insurance industry and covers 14 states. They mainly focus on commercial and farm insurance, but also offer personal, auto, and property insurance, as well as umbrella coverage.

Among the best insurance companies in the U.S., Columbia Group has a range of policies that are sold through independent agents. 

To find out more about Columbia Insurance, keep reading. Ready to compare quotes in your area? Simply enter your ZIP code into our free tool and start saving today. 

Columbia Property Insurance

Among the many types of insurance policies that Columbia offers (from farm to auto), Columbia also offers property insurance.

Columbia’s property insurance is pretty straightforward and simple:

  • Equipment breakdown
  • Debris removal
  • Automatic annual limit increase for buildings
  • Season increase for business personal property 
  • Spoilage Coverage: $10,000 limit (with higher limits available)
  • Electronic Data: $10,000 limit

This coverage will automatically insure any tenant improvements and betterments, any leased property that you have a contractual responsibility to insure, and anyone else’s property in your care.

Liability is also an important factor to consider. Here is what is covered:

  • Premises & Operations
  • Products & Completed Operations
  • Personal & Advertising Injury
  • Damage to Premises Rented to You
  • Medical Expenses

But what happens if you have property loss?

When you have a covered property loss, these coverages provide protection for loss of income and extra expenses you may incur. These features include:

  • Dependent properties coverage
  • Ordinary payroll
  • 72-hour waiting period
  • Optional 6, 9, or 18-month periods of indemnity 

Columbia has the motto of “one and done”, which can be seen with their property insurance policies. Flexibility is built into their policies and eliminates the need for multiple policies as most of the coverage you will need is already under their property and business insurance policies.

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How do I file a claim with Columbia Insurance?

For Columbia insurance claims, you’ll need to call them at their toll-free number in order to speak with a representative and start the process of filing a claim.

Columbia Insurance phone number: 800-877-3579 Ext. 1860.

Once your claim is filed, you will be able to view the status of it online with your Columbia Insurance login.

What are Columbia’s reviews?

Columbia Insurance Group has high ratings from A.M. Best (rated with an A-) and the BBB (rated with an A+). On both their website and the BBB, they have high ratings, most of which are between 4 and 5 stars.

Reasonable rates for auto insurance. Offer several options to pay your bill. Good customer service services.

-customer from Clearsurance

I have enjoyed using this company! Having an agent in town is convenient and they are wonderful to work with. Overall, the rates stay the same from year to year so I know what to expect

-customer from the BBB

While Columbia isn’t accredited with the BBB, they do have an Excellent rating and haven’t had any filed complaints within the last three years. Customers, for the most part, seem to be satisfied with their experiences with the carrier based on these positive reviews.

Columbia Property Insurance Review & Ratings: Key Takeaways

Columbia Insurance has a pretty straightforward approach to their property insurance. Columbia is likely to appeal to people looking for “no-frills” property and business insurance. With the coverage on their policies all-inclusive, it’ll be hard to find a competitor that matches.

Now that you’ve finished reading about Columbia property insurance, take the time to enter your ZIP code into our free tool and start comparing rates in your area.

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