1. Assurant

    1. Assurant

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    Miami, FL

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    Assurant

    1.3 (164 reviews)

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    Just one example of a ludicrous "cleaning allowance"
    Sarah F.

    If I could give 0 stars, I would. I was ignored for WEEKS after my house caught on fire. The adjuster basically laughed at me as I was crying on the phone after they offered me pennies on my policy because they IGNORED half of what was on my list, would not call or email me back to answer any questions regarding my policy or how to help me recover the damages, offered to pay me TO CLEAN MY PROTEIN AND COLLAGEN POWDERS THAT WERE IN THE FIRE. Assurant , are you going to pay my medical bills after I inject these? I wouldn't count on it since you want me to use all of my cosmetics after a fire! This company stole my money for years, and then tried to make me feel less than human during what has been the darkest time of my life. I'd strongly suggest you look elsewhere for renters insurance.

    Calvin N.

    My car was broken into and have been working back and forth with assurances. It has been over 4 months and I was told my case was complete and would receive a call. My adjuster - Toni Nieves - has ignored all forms of communication and I have still not heard back.

    melted chia seeds

    After 6 years as a renters insurance client, I had a fire in my apartment and saw Assurant's true terrible colors. A fire in my kitchen destroyed or damaged most of my kitchen and nearby stuff. The stuff that wasn't totally burned up still was affected by the fire, extreme heat, and/or significant smoke. This included various electronics, medications, and food. The whole thing was traumatic but this is why I have renters insurance, right? I took 100+ pictures and painstakingly submitted them on the Assurant claim website, which only allowed me to submit 6 images at a time. Four times I had to start over due to website errors. It also requested I enter items manually into the website despite me already spending significant time on a detailed spreadsheet. I eventually had to submit that by email along with the report from the fire station. But I powered through it all and filed the claim. I got a settlement response offering a payment amount of approximately 20% of what I claimed. Despite my coverage, the settlement offer did not offer cash value or replacement cost for any single item. Instead, for the items they did "cover," they offered a "cleaning allowance." Every electronic, every medication, regardless of the fact that it was partial ashes, exposed to significant heat, or haunted by smoke, only got coverage for a cleaning. They gave me a $20 cleaning allowance for an iPhone 11 Pro burned/melted/ruined in the fire. Their offer made clear that no one bothered to look at any of the pictures I sent. As an egregious example, they denied giving me anything (not even a cleaning!) for a pack of chia seeds with plastic melting into it (picture attached). The whole settlement was absurd. Over the last month, I have emailed, left voicemails, and online chatted with Assurant asking to speak with someone and outlining my issues. No one has responded. I am looking into all my legal options. Please avoid Assurant for renters insurance. Please! After this experience, I'm honestly questioning whether to stay with GEICO for car insurance given that they've linked me with Assurant. Please get renters insurance from another company. One star is too high for them.

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    Assurant - insurance - Updated July 2026

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