Selective Insurance Company Review 2025
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Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Our Selective Insurance Score
4.5 Stars
We rate Selective Insurance Company a final rating of 4.5 out of 5 stars. The insurance company has been around for nearly a century, which is noteworthy within the industry. Selective has received high ratings through both AM Best and the Better Business Bureau. Coverage is offered in 30 states and the District of Columbia, and the carrier's catalog is quite extensive, offering both personal and commercial insurance.
The insurance company provides 24/7 claims reporting via phone, online, and mobile app, as well as online bill pay and account management. While the carrier loses half a point due to mixed customer feedback, overall, we still highly recommend looking into Selective Insurance for quality coverage.
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
What Type of Insurance Does Selective Offer?
Selective offers coverage for individuals and businesses alike. Their insurance products offered are as follows:
Individual insurance
- Auto insurance
- Homeowners insurance
- Personal flood insurance
- Apartment/Renters insurance
- Condo insurance
- Umbrella insurance
Business insurance
- Business owners policy (BOP) insurance
- Cyber liability insurance
- Product recall expense coverage
- Management liability insurance
- Errors & omissions insurance
- Commercial flood insurance
Your independent insurance agent can help you find more information about the coverage offered by Selective, and help you decide if this insurance company is right for you.
Selective Insurance Homeowners Insurance
Homeowners insurance from Selective Insurance is designed to cover the typical perils you'd expect, such as fire, break-ins, and more. Here are some of the coverages included in a Selective Insurance homeowners insurance policy.
Coverage Types, Features, and Benefits:
Loss of use
Selective Insurance's loss of use coverage provides compensation for extra expenses incurred when the policyholder and their family are temporarily unable to stay in the home due to a major incident like a fire. Takeout meals and hotel stays are examples of covered expenses.
Personal property
Selective Insurance's personal property coverage provides compensation if any insured individual's personal property, like clothing, furniture, etc., gets damaged, stolen, or destroyed by a covered peril like fire or lightning.
Dwelling
Selective Insurance's dwelling coverage provides compensation if you need to rebuild or repair your house after a covered disaster such as fire, wind, or hail damage.
Personal liability
Selective Insurance's personal liability coverage provides compensation if the policyholder gets involved in a third-party lawsuit related to claims of personal property damage or bodily injury caused by them, their family, or their property.
Medical payments
Selective Insurance's medical payments coverage can help pay for medical bills for a third party who gets injured on the policyholder's property.
Other structures
Selective Insurance's other structures coverage applies to detached structures near the home, such as sheds or garages, against many of the same perils as dwelling and contents coverage, like fire.
Selective Insurance Home Insurance Average Prices
Selective Insurance does not make its rates for home insurance readily available without requesting a quote. However, an independent insurance agent can help pull quotes for the carrier's home insurance and other coverages for you. You can also get an idea of home insurance rates by checking out our home insurance calculator.
What Discounts Does Selective Offer?
Selective makes information about their discounts readily available on their official website. There are many discounts offered, including:
- Current policy discount: If a customer has a current auto policy with Selective, they may qualify for a discount.
- Double current policy discount: If a customer has both a current auto and homeowners policy with Selective, they can obtain higher discounts.
- Protective device discount: If a customer has smoke alarms, burglar or fire alarms, automatic sprinkler systems, or smart home safety and protective devices, they may qualify for a discount.
- Claim-free discount: If a customer hasn't reported any claims within the past three years, they may qualify for a discount.
- Consistent bill pay discount: If a customer consistently pays their insurance bill on time, they may qualify for a discount.
- Higher deductible discount: If a customer pays a higher deductible for their insurance, they may qualify for a discount.
- Advanced quote discount: If a Selective insurance agent quoted a customer’s policy 8 or 15 days before the expiration date, they may qualify for a discount.
- Commercial vehicle discount: If a customer in the household owns a commercial vehicle, they may qualify for a discount.
- Defensive driving discount: If a customer has completed an approved defensive driver course, they may qualify for a discount.
- Young driver discount: If a customer is a young driver and has completed an approved driver training course and/or maintain good grades, they may qualify for a discount.
- Anti-theft discount: If a customer has a vehicle(s) with specific qualifying safety or anti-theft features, they may qualify for a discount.
An independent insurance agent can provide better discount information and premium quotes for coverage through Selective. When it comes to coverage, independent insurance agents work hard to help get you the most value for your money.
Connect with a Selective Agent Today.
Shopping for insurance? Selective has you covered.
Selective Customer Service
Selective offers 24/7 phone, online, and mobile app claims reporting for its policyholders. The carrier also provides the following customer service options:
- Online bill pay
- Online contact form
- Fax
- Customer service department:
| Days | Hours (ET) | ||
| Monday-Friday | 8 am - 10 pm | ||
| Saturday | 8 am - 6 pm | ||
| Sunday | CLOSED |
Selective Insurance company phone number for billing and customer service: 1-800-735-3284
Selective Insurance company phone number for claims: 1-866-455-9969
The best way to ensure an efficient customer service experience is by working with an independent insurance agent. Independent insurance agents can help handle claims and other issues for you, so you can relax and enjoy your coverage.
Selective Insurance FAQs
Selective Insurance claims reporting is available through a couple of mediums. However, the insurance company does not provide an official claims response time frame promise on its website.
Selective allows customers to file claims by phone, online, or mobile app 24/7. The carrier’s social media presence extends across Facebook, X, Instagram, YouTube, and LinkedIn, which makes them highly accessible to customers.
Customers can report claims via phone, fax, email, online, or by getting in touch with their independent insurance agent. Selective Insurance does not provide much additional information about its claims process.
Selective’s official website is easy to use and navigate. Online bill pay is available, as is 24/7 claims reporting via phone, online, or mobile app. The carrier also has a comprehensive social media presence, which makes it highly accessible to customers. Overall, Selective Insurance is quite modern in terms of user-friendliness.
With outstanding ratings from both AM Best and the BBB, as well as a large catalog of available insurance products and 24/7 claims reporting, it can certainly be said that Selective Insurance is a good insurance company.
Selective Insurance company is a carrier that offers many different types of coverage for individuals and businesses alike. The carrier dates back to 1926, giving them almost a century's experience in the industry. You can purchase insurance products from Selective ranging from personal home or auto insurance to commercial errors & omissions insurance and beyond.
https://www.selective.com/
https://wallethub.com/profile/bi/selective-insurance-13017016i
https://www.valuepenguin.com/selective-insurance-review
https://www.thezebra.com/insurance-companies/selective-insurance-reviews-coverage-options-and-ratings/
https://www.moneygeek.com/insurance/auto/reviews/selective-insurance/
https://news.ambest.com/newscontent.aspx?altsrc=149&refnum=253919&_gl=1*znduy6*_ga*ODIzMzI2OTIwLjE3MDI5MzA1MzQ.*_ga_VNWYD5N5NL*MTcwMzA4NjI1Ny4yLjEuMTcwMzA4NjI1Ny4wLjAuMA..
https://www.bbb.org/us/nj/branchville/profile/property-insurance/selective-insurance-company-of-america-0221-90021296
https://clearsurance.com/insurance-reviews/selective-insurance-company-of-america-5835ece073b103329e91abc2