Zurich Property & Casualty Insurance Reviews

They send a card notice that looks like a tax notice stating your home warranty coverage ends and they want to ensure you renew. Not ever having a home warranty insurance on my home I called to ask when this "so called policy took effect" and they have quite the spiel saying you had it for three years and now it is expiring. I asked them to provide the warranty number and that is when they began to stumble over their script. It's a con to get you to purchase a home warranty program for your homes appliances, AC, etc.

Zurich is unethical and deceitful. DO NOT purchase any kind of insurance with them. The adjusters are all disrespectful, including the supervisors. I pay hundreds of dollars for the insurance that was supposed to cover any body paint, leather or carpets damage and they will not pay for anything.

If I could leave zero stars I would. I tried this service in 2016, had a bad experience and switched as soon as I could, then had sales agents knocking my door the whole time from 2017-2025 in every address I moved to, the bad experience kept me from giving them a 2nd chance until 2025, that was a mistake on my part, they came and installed a messy job, internet was not working properly through the Ethernet cable and they damaged my tv. A 2nd technician was dispatched to my home, when they came I ended up upgrading to the 2gb service due to weak 1gb reception, they suggested that I submit a claim through Zurich (3rd party insurance company), Zurich and their dismissive staff denied my claims saying that the way my tv was damaged couldn’t have been done through installation. Guys, if you like quality…. look elsewhere. Obviously, the reviews speak for themselves.

This insurance company has the worst representatives. Kelly ** was the person working on my claim. Every time I asked her a question she would huff and puff on the phone or give me a spill about how I “must’ve had a hard time with other insurance companies”. At the beginning, I thought maybe I was tripping. Side note: This is the only bad experience I had with an insurance company! Honestly, I just ask questions because I want to have knowledge on things. Kelly asked me if I wanted to take my car in the first week. I did not. I ended up getting sick and was not active. When she got back from PTO on the 31st of July; Kelly told me she would go over bodily injuries with me. I waited for her to call. So I ended up contacting her possibly on the 5th of August. When I called her I took a day off work to head to the body shop and hospital to get my bill.

Zurich sent me a letter claiming that I do not have Home Owner's Insurance so I called them to share with them that I do have Home Owner's Insurance through Home Shield. The representative, Jordan, stated that Zurich is a better company and that he could save me more money throughout my three year policy. Then Jordan said that I would need to pay a $149 activation fee. I stated that I do not have the money at this time and that I would call back on Friday to switch my current policy over to Zurich. Jordan said that I could do a postdated payment but I stated that I didn't want to do a postdated payment and that I would call back. Jordan then had an attitude stating that what I was saying doesn't make sense and that I should just do the postdated payment. I stated that I didn't want to do the postdated payment over and over again. He accused me of working for another Home Owner Warranty competitor and stated that I was wasting his time.

We had insurance with Zurich for a few years. After renewing the insurance recently we sold our business and cancelled the insurance. It cost us $531 and we cancelled it 1 month later because we did not need it any more. Zurich said they could refund the $31 but the $500 they would keep for underwriting the policy. They underwrote this policy several years ago but want $500 a year every year to do this with no exceptions. I am not using the insurance anymore so it if free money in their pockets. SCAMMERS.

I purchased my vehicle from the Toyota dealer. They offered me a BUMPER TO BUMPER warranty for almost $3k for 3 yrs. Never used it until now that the vehicle is experiencing a electronic connection malfunction that is covered under this warranty. They say, "Yes we will cover the cost of part and LABOR," so dealer mechanic gets on the job. The issue is underneath the vehicle so because of nature the screws have Rust and won't budge and for that the whole differential has to be replaced and Zurich Denied the claim cause they CV claim policy does NOT COVER RUSTED BOLTS like are you serious. It's obvious anything underneath vehicle is going to get rust.

Our vehicle was struck by a "Commercial vehicle" from a company that was insured by Zurich. After submitting the claim the day after the accident, and then providing them with a copy of the accident report (their driver was issued a citation for disregarding a STOP SIGN), our driver's statement, and the estimate for repairs to our vehicle; they said they would get back to us right away. 2 weeks later I am calling and leaving messages for several days (multiple messages) with the adjuster's voicemail, which states that she will return my call within 24 hours. I finally got forwarded to her supervisor who also did not take my call and whose message also said she would return my call in 24 hours. Finally I got a call back from her telling me in the last several weeks they were unable to get a statement from their insured's driver. Meanwhile my truck sits in the shop. Her advice to me? Have my insurance provide the needed repairs to get me back on the road.

They denied a homeowner's policy on my new condo because several years ago there was a leaky water pipe at a previous home I owned. Think about this pseudo-logic and bad statistics: there is zero correlation between a random leaky water pipe at one residence with another random leaky water pipe at a new condo. Yet this is what their rejection letter noted, that the loss history presents unacceptable risk that it may happen again. It's black box alchemy and it's why consumers do not trust insurance companies and ask for more regulations.

Zurich was unfortunately the insurance company for a hotel were I had an incident occur. The experience I’ve had with this insurance carrier has been the worst I’ve ever experienced or heard of. Unfortunately, shortly after checking into my hotel room, a “housekeeping manager” walked into my hotel room while I was standing in the front room hallway, unclothed. I started screaming for her to get out, as she proceeded to come in saying “it’s ok, I’m housekeeping”. I continued to scream and run away and she finally left. I reported the incident to the front desk, and I was offered “some drinks at the bar”. I left a poor review on the hotel site, and was then contacted by the general manager who told me that this was due to a miscommunication between the front desk and the housekeeping staff. I was also told that they were all discipled for the issue.