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Fireman's Fund Auto Insurance Review

Sunday, 15 December 2013 18:02

Fireman’s Fund Insurance Company offers a diverse range of different commercial and personal insurance options, but for auto insurance the company specializes in high end, luxury, and collectible vehicle coverage. Its products and services are tailored for owners of high end vehicles. Fireman’s Fund is one of the oldest and most financially secure insurance companies in the U.S. and it is owned by one of the largest global corporations in the world. It is known as an innovator in the insurance industry and is a good choice to consider for luxury vehicle owners.

Company Background Information

Fireman’s Fund auto insurance is offered by Fireman’s Fund Insurance Company which was founded in 1863 by William Holdredge in San Francisco, California. The name comes from the founder’s charity which paid 10% of company profits to the orphans and widows of firefighters. It was the first company to offer a U.S. standing grain insurance policy and the first green insurance policy and it is one of the oldest and most established insurance companies in the world.

At the moment, Fireman’s Fund currently employs over 2,800 people and it is a subsidiary of Allianz, SE, the 28th largest corporation in the world. The company sells several different insurance products include auto, general liability, umbrella, excess, small business, property insurance and many others. It is currently headquartered in Novato, California and it sells insurance in all 50 states through its large network of independent agents. It received an “A” rating for its financial stability in the most recent A.M. Best report as well as a credit rating of “a”.

Pros of Fireman’s Fund Auto Insurance

  • A financially secure very well established insurance company backed by a global giant
  • A very large range of different insurance coverage options
  • Unique coverage options for high value vehicles

Cons of Fireman’s Fund Auto Insurance

  • Products are designed for high value vehicles


There are discounts offered by Fireman’s Fund, but there is limited information on the discounts offered. Interested customers would need to speak with a licensed agent to find out more information on the discounts available for luxury or collectible vehicle coverage.

Types of Insurance Offered

Fireman’s Fund makes it clear that it tailors its products and insurance offerings to luxury vehicle owners and those who own vehicles of high value. The company offers unique benefits for these customers such as insurance for the full replacement cost of a totaled vehicle for its first three years, with an optional upgrade to five years of coverage. This coverage option is not available in every state and is an extra coverage supplement to standard liability insurance options.

There are also unique insurance services offered like international vehicle insurance coverage for up to 30 days, and worldwide liability protection for vehicles rented or leased in other countries for up to 90 days. Other benefits for high end vehicle owners include luxury vehicle rental, roadside assistance, OEM part coverage, and more.


The corporate website is similar to other high end insurance companies, and it offers some basic information about the company’s auto insurance products, but directs customers to speak to an agent for more details on the coverage options available in their state. There is an online tool to report claims and customers can find an agent from the website easily.

Customer Reviews

There are not many reviews of Fireman’s Fund auto insurance online, most likely due to the fact that it is a specialty auto insurance provider. It was not rated by J.D. Power in the most recent auto insurance survey.

Fireman's Fund


Fireman’s Fund is worth considering for high end and luxury vehicle owners, but other vehicle owners would benefit from getting a quote from several providers. You can get quotes from several providers now by entering your zip code on this page.

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