CSE Insurance Group Company Review

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Company Overview

CSE Insurance Group is a regional insurance carrier headquartered in Walnut Creek, CA. It was founded in 1949 and targets civil service and government employees, similar to GEICO. In 1980, the company began offering its insurance products to the general public. The parent company is Covea, located in Paris, France. Its corporate identifications include Civil Service Employees Insurance Company, CSE Safeguard Insurance Company and CSE Diversified.

CSE Insurance Group offers auto, homeowners, renters, condo, umbrella and boat insurance in Arizona, California, Utah and Nevada. It also offers a commercial package policy. The company sells its policies through a network of agencies or you can buy an insurance policy direct from the company on its website. It has also recently partnered with Google Compare to offer insurance quotes online.

Financial Stability, Customer Service and Recognitions

Financial stability is important in measuring the capacity of a company to meet its financial obligations and a good measure for an insurance company’s ability to pay any claims presented. CSE Insurance Group has an “A-“ Excellent rating with A.M. Best insurance rating organization. It also measures up well in the customer service area with an “A+” rating with the Better Business Bureau. CSE was also a Ward’s Top 50 performer for three consecutive years, 2010-2012.

Insurance Journal recognized CSE Insurance as a leading multi-state property/casualty carrier in 2012.

Insurance Products

You can obtain a quote on auto, homeowners, rental, umbrella and commercial insurance through an agency representing CSE Insurance Group or through its website. Here is a brief description of the insurance products available:

  • Auto Insurance: An auto insurance policy through CSE offers liability, collision, comprehensive, medical, personal injury protection, uninsured/underinsured motorist, rental and roadside assistance coverage.  Several attractive discounts are available including multi-vehicle, good driving, loyalty, multi-policy and good student discounts.
  • Homeowners Insurance:  The homeowners’ policy through CSE provides standard coverages including damage to property and structures, belongings, liability coverage, med pay and additional living expenses. Optional coverages include higher limits for valuable items, identity recovery and equipment breakdown coverage.
  • Rental Property Insurance: This policy is for rental property owners and provides dwelling, liability, other structures coverage and optional coverages including increased replacement cost, extended fair rental value, sewer backup coverage, strike force coverage, arson conviction reward, owner-occupied medical payments and landlords medical payments.  The loyalty discount will allow up to 5% off your policy premium.
  • Umbrella Insurance: A personal umbrella policy provides extra protection added to your existing policies for unexpected expenses. It can help pay for things like court costs and legal fees. The umbrella coverage can be added to existing policies for as little as $144 a year.
  • Commercial Package Policy: Commercial coverage available through CSE includes the commercial package policy and provides protection for property and business liability coverage. Discounts include automatic sprinklers discount, individual risk premium modification, loyalty discount, professional property management discount, association membership discount and multiple buildings discount.
  • Renters Insurance: Provides coverage for your personal possessions against damage and personal liability, medical payments and additional living expenses. Identity recovery is available at an additional charge.
  • Condo Insurance: Protection for damage to home and furnishings, possessions, personal liability, medical payments and additional living expenses. Identity recovery is an optional coverage.
  • Boat Insurance: Boat insurance covers your boat and attached equipment, motors and trailers and provides liability and medical payments. To qualify for boat insurance, you must also have an auto and homeowners policy through CSE.

    Pros and Cons


    The claims service is available 24 hours a day and you can also file a claim through CSE’s mobile insurance application. The company has high customer service and financial strength ratings. If you live in Arizona, California, Utah and Nevada; this company offers competitive rates and excellent customer service.


    Coverage is only available in Arizona, California, Utah and Nevada.

    Contact Information

    To obtain a quote or learn more about its insurance products, you can visit the CSE Insurance Group website or call the toll free number, 800-282-6848.