Wawanesa Insurance Reviews (Car, Home, Renters, Condo)

Wawanesa is an insurance company based in Canada that offers auto insurance in a couple of states, as well as car insurance and life insurance in Canada. In our Wawanesa review, we will see how this provider holds up against the competition, while reviewing its coverage options, rates, customer support, and more.

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Wawanesa: The Basics

Wawanesa Insurance is a mutual company, which means it is part-owned by all policyholders. It is available in California and Oregon, and in the former, it is considered to be one of the best and the cheapest providers.

Based in Manitoba, Canada and San Diego, California, Wawanesa has a history that stretches back well over 100 years and while its reach isn’t great, its reputation is impeccable.

Wawanesa Car Insurance Coverage Options

Wawanesa customers in Canada, California, and Oregon can add all of the following coverage options to their car insurance policies:

Liability Coverage

Bodily injury and property damage coverage is required in most states, with clearly defined minimum amounts. You need these coverage options to stay legal on the road and they will ensure the other driver’s personal injury costs and property damage costs are covered in the event you cause an accident.

Collision Coverage

Collision coverage is an expensive addition to any auto insurance policy, but one that adds a wealth of essential cover. With this option, you will be covered for damage done to your own vehicle, and this applies to car accidents involving other vehicles as well as incidents where you hit a wall, tree or building.

​Comprehensive Coverage

Comprehensive coverage essentially covers you for the things that collision insurance omits, including animal collisions, weather damage, vandalism, theft, fire, and more.

Underinsured and Uninsured Motorist Coverage

There is an astonishing number of uninsured motorists on the road and in some states, Florida included, they number as many as 1 in 4. With this form of insurance, you will be covered if you are hit by one of these drivers and they don’t have enough insurance to cover costs.

Personal Injury Protection (PIP) and Medical Payments

PIP and medical payments coverage protect you against personal injury, paying out when you suffer financial loss as a result of medical bills, lost work, and other related expenses. PIP is more comprehensive than medical payments coverage and is also required in more states.

Wawanesa Policy Add-Ons

In addition to all the aforementioned insurance options, Wawanesa policyholders are also offered the following features and add-ons:

Rental Car Reimbursement

If your policy covers a car accident that results in your vehicle spending a prolonged period of time in the repair shop, this add-on will cover you for rental car costs.

The coverage lasts for 30-days and you can set the daily limit at between $30 and $50.

Roadside Assistance

With Wawanesa roadside assistance, you can call for help at any hour of the day when you are stranded by the side of the road.

Once you have this add-on, you’re just a phone call away from a fuel delivery, tire change, towing, and battery jump-start.

Vehicle Manufacturer Part Replacement

If your vehicle is under 11 years old and you have both collision and comprehensive coverage, the cost of fixing your car with manufacturer-certified parts will be covered.

Wawanesa Discounts

You can save money with Wawanesa car insurance by maintaining a good driving record, completing defensive driving courses, and adding multiple cars to the same policy. You won’t find as many discounts here as you will with other providers, but there are still several ways to save.

Take a look at our guide on car insurance discounts to learn more.

Other Insurance Products Offered by Wawanesa

In Canada, you can apply for more Wawanesa insurance products than you can in the United States. But there are still several additional options available to residents in the states of Oregon and California. All additional insurance products offered by Wawanesa include:

Home Insurance

With Wawanesa home insurance, you can get protection for your personal possessions and dwelling, as well as liability insurance. There are also options for water heater coverage, cyber protection, identity fraud protection, and high-value property protection.

Life Insurance

Wawanesa life insurance is offered to Canadian residents, who can choose from term life and whole life policies. In both cases, your loved ones will get a large death benefit in the event of your demise and in exchange, you pay a small sum of money every month.

Term life policies range from 10 to 30 years and even extend all the way to age 80. There is also an option for a critical illness payout that is released to survivors of serious illnesses, helping them to piece their lives back together.

Renters Insurance and Condo Insurance

These insurance products are similar to Wawanesa’s homeowners insurance, with cover for personal property and policies geared towards renters and condo owners.

Wawanesa Insurance Reviews

Wawanesa is a very highly-rated insurance provider. It has a top rating from AM Best, JD Power, and the Better Business Bureau. In fact, JD Power voted Wawanesa as the “best in California”, and our research has also shown it to be one of the cheapest and most highly rated providers in the Golden State.

Customer reviews are mostly positive, highlighting Wawanesa’s low insurance rates, varied selection of coverage options, and easy claims process. All things considered, it’s a company that you should definitely add to your search if you live in one of the regions where it actually operates.

Wawanesa Contact Information

  • HQ Address: 9050 Friars Road, San Diego, CA 92108
  • Mailing Address: PO Box 85048, San Diego, CA 92186-5048
  • Phone Number (Customer Service): 1 (800) 640-2920
  • Phone Number (Insurance Claims): 1 (877) 929-2637
  • Website: Wawanesa.com

Bottom Line: Insurance From Wawanesa

To purchase Wawanesa car insurance from the United States, just visit Wawanesa.com. If you live in Canada, you will need to go through one of the company’s insurance agents.

As always, remember to compare Wawanesa auto insurance quotes with those offered by other top providers. You can get free quotes from the likes of Progressive, GEICO, Allstate, State Farm, and more, before settling on the cheapest and best policy for you.