What coverages does Ameriprise Auto & Home Insurance (Costco) offer?
In addition to the standard Ameriprise Auto & Home insurance policies, there are additional benefits to Costco members and some other coverages available as well. Optional coverages include rental car insurance, personal injury protection (PIP), gap insurance, and roadside assistance.
Ameriprise car insurance additional coverage options
Costco Gold Star Executive members receive a discount on Ameriprise car insurance, but there are also added benefits for Executive members including the following:
- Roadside Assistance: Ameriprise roadside assistance covers up to $75 for service. It can provide assistance for a number of things including a flat tire, dead battery, running out of gas, and more.
- Lifetime Renewability: Costco Executive Members receive lifetime renewability for Ameriprise car insurance. Ameriprise won't cancel your car insurance policy ever, regardless of how many accidents you have had. (Exclusions apply)
With all Ameriprise auto insurance policies, your deductible is waived for windshield repair. Ameriprise also includes accidental travel expense coverage on all car insurance policies. Ameriprise will help with the unexpected cost of travel and accommodations if you're in a car accident more than 100 miles from your home.
Ameriprise homeowners insurance additional coverage options
Costco members receive a discount on Ameriprise insurance policies. If you're a Costco Executive Member, you receive additional homeowners insurance benefits including the following:
- Glass repair reimbursement
- Home lockout assistance
Ameriprise homeowners insurance policy includes many specialty coverages including identity theft protection, stolen credit card use or check fraud protection, food spoilage protection, and lock replacement expense protection.
Ameriprise Auto & Home Insurance is partnered with a number of other insurance companies to offer specialty lines of insurance. Some of its partners include American Modern, Arrowhead, Chubb, Embrace, Hartford, Progressive, and RLI.
The average full coverage policy costs $1,827 per year. You can get a quote for a policy through Costco's partner American Family Insurance. However, insurance rates are not standardized, and every driver pays a somewhat different rate based on different factors such as state, age, credit score, and claims history. The make, model, year, and overall state of the vehicle can also affect the premium.
Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, "What is the best coverage plan for me/my family/my situation?" "What are the minimum coverage requirements in my state and what form of coverage do you recommend?" "Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?" and "What is the average rate of insurance quotes you guys offer?"
Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It's simple, just plug in your zip code and we'll do the rest!
