First American Renters Insurance Review: Pros & Cons, Pricing, and Features

Studenomics Score:  2 Out of 5 Stars

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Who is First American Renters Insurance?

Before we break down the renter’s insurance features, let’s take a look at First American Property & Casualty Group. 

The company can trace its roots back to 1889. However, First American Property & Casualty Group began its operations in 1979. This section of the business handles a variety of insurance products (ranging from auto insurance to property insurance).

First American Corporation is publicly traded on the NYSE under the symbol of FAF. The company currently has 18,412 full-time employees and they operate mainly in the financial services sector.

Accordion to the First American Property & Casualty Group official website, the mission statement is:

“At First American, our mission and promise to you is to provide you with comprehensive insurance solutions that provide security, protection, peace of mind, and superior customer service at value pricing. We value you as customers, and it’s not only about protecting your greatest assets in life...It’s how you are treated.”

Keep on reading our review of First American Renters Insurance...

How Does First American Renters Insurance Work?

Is First American Renters Insurance Good? 

Is First American Renters Insurance legit?

It’s impossible to look at a renter’s insurance policy without discussing the cost so that you know you’re getting your money’s worth.

According to the official First American Renters Insurance:

“First American Renters Insurance will cover you and your property in the event of a loss. For less than $1 a day, you can have peace of mind knowing that you are financially protected.”

We're going to take a deeper dive into First American Renters Insurance to see if they can back this claim.

First American Renters Insurance Quotes.

This is the section where we would normally share First American Renters Insurance quotes from two cities across the nation.

Unfortunately, the company doesn't offer quotes online so we can't share with you what the quotes are.

The website tool makes it seem like you're going to get a renter's insurance quote, but instead you just get a list of local agents to contact. This was a bit surprising since most people expect to get a quote online instead of being directed to a local agent to phone.

How do you obtain a First American renter’s insurance quote?

1. You call 888-546-5118 to get a quote over the phone.
2. You input your zip code into the tool to find a list of local agents to choose from.

The image below is what you see on the official First American Renters Insurance page where you go to get a quote...

Is First American Renters Insurance Worth The Cost?

It's impossible to determine if First American Renters Insurance is worth the cost when you can't obtain a renter's insurance quote online. We couldn't obtain a quote.

 It's disappointing these days when you can usually land a quote in minutes to not be able to even obtain a rough quote from First American.

The one bit of good news is that First American Renters Insurance offers many discounts for multiple policies, fire alarms/sprinklers, and loyalty to the company.

Can I Bundle My First American Renters Insurance With My Auto Insurance?

The good news is that First American offers a variety of insurance products so you can bundle your insurance under one umbrella.

As always, we urge you to shop around for the best possible quotes so that you get your money's worth for your insurance package.

We looked through Glassdoor, BBB, and Reddit to see what real customers had to say about First American Renters Insurance.

We were almost shocked to see that the company had an F rating with BBB. This is the worst rating that we've ever seen for a renter's insurance company. 

Notable Quote From Finder Against First American Renters Insurance:

"First American is a national company with a solid foundation and a long history. And while it offers a good set of insurance products, it may be hard to overlook the overwhelming customer complaints."

How Do You File a First American Renters Insurance Claim?

Let’s say that an emergency happens and you have to file a renter’s insurance claim with your First American Renters Insurance policy.

How do you file a First American Renters Insurance claim?

You fill out a form online located here: https://www.fapcig.com/claims/.

You're going to be asked for your name, policy number, email, phone number, loss type, date of loss, time of loss, and a description.

You can also contact your local agent to begin the First American Renters Insurance claim over the phone.

Please keep in mind the following steps for when you have to file a renter’s insurance claim in general:

• Take reasonable measures to control the situation.
• File a police report if any damages or theft occurred so that you have proper documentation.
• Contact your landlord and inform them of any damages.
• Take pictures of any damages or issues with the unit.
• Try to find your receipts for damaged or stolen items.

What Isn’t Covered By My First American Renters Insurance Policy?

What isn't covered by your First American Renters Insurance policy is just as important as what's covered. We tried to look over the little information that's available online to see what kind of coverage you don't have with your renter's insurance policy. 

Can I Add My Roommate?

Are you looking to add your roommate to your First American Renters Insurance policy? You're going to have to contact your local agent to see what they have to see.

We can't provide more information at this moment since it's difficult to find additional information on First American Renters Insurance coverage.

We try to analyze the financial strength of an insurance company because we want you to be protected in the event of the worst possible case.

First American Financial Corporation has an A.M. Best rating of A and the company is publicly traded on the NYSE (FAF).

This indicates to us that the company is in strong financial standing and in no risks of going out of business anytime soon. 

A.M. Best is the world's oldest credit rating agency so we go by the rankings that the have to offer to see where a company stands.

Pros and Cons of First American Renters Insurance?

What are the pros and cons of First American Renters Insurance?

Does First American Offer Insurance In My State?

First American Property & Casualty Group offers insurance products across the entire nation through local agents. 

You have to either call or input your zip code online to find what kind of coverage is available near you.

The one benefit of working with a larger company is that you can find coverage nationwide through a local agent. 

You can also check the best renters insurance rates by state using the map below.

How can you cancel your First American Renters Insurance?

What if you have to cancel your First American Renters Insurance policy if you wanted to?

We looked around and found the following about how to cancel your policy on the official website: 

"You may cancel your policy at any time by calling us toll free at 866-654-9900 or by mailing a written request to cancel to the following address: First American P & C PO BOX 2009 Santa Ana, CA 92707-0009."

Final thoughts on First American Renters Insurance.

That’s our fair and honest review of First American Renters Insurance.

We were disappointed with the negative customer reviews that we found and we couldn't look past those.

We also wish that they had online quotes available.

If you do have the time, it's always worth trying to obtain a quote to see what the pricing and the coverage is like with First American Renters Insurance. 

Good luck with your hunt for the ideal renter's insurance policy for your unique situation.