MAPFRE
MAPFRE
Home Insurance
Smart Score

Smart Score

76

Industry Average: 77

Smart Score

Mini Shield

76
/100

Industry Average: 77

Customer Service

Mini Shield

7.6
/10

Industry Average: 7.9

Claims Process

Mini Shield

7.6
/10

Industry Average: 7.9

Value for Price

Mini Shield

7.6
/10

Industry Average: 7.6

MAPFRE Overview

MAPFRE, an insurance giant based in Spain, is Massachusetts’ biggest auto and homeowners insurer which also offers coverage in 13 other states. It sells policies through independent agents and has a wide assortment of options and discounts. MAPFRE provides claim handling service in English and Spanish. Customers also enjoy features like accident forgiveness, vanishing deductible credits, and if you want, you can opt for DriveAdvisor - a telematics program to track your driving behaviors for extra benefits.

Lines of Business:

MAPFRE Ratings Breakdown

Smart Score

76

MAPFRE: 76
Industry Average: 77
MAPFRE: 76
Industry Average: 77

Why our Smart Score matters

MAPFRE’s Smart Score of 76 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering MAPFRE’s overall quality compared to other home insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 76, MAPFRE sits near the industry average of 77. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing home insurance options.

Customer Service

7.6

MAPFRE: 7.6
Industry Average: 7.9
MAPFRE: 7.6
Industry Average: 7.9

Our customer service score measures two primary things: user satisfaction when interacting with MAPFRE’s representatives, and their experience with online tools like quoting and managing a policy via website or app. MAPFRE’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from MAPFRE’s service score of 7.6, they have a weak rating compared to similar home insurance companies, which clock in at an average of 7.9.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

7.6

MAPFRE: 7.6
Industry Average: 7.9
MAPFRE: 7.6
Industry Average: 7.9

Our claims process score looks at users' experiences when filing claims with MAPFRE. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast MAPFRE handles it.


MAPFRE’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with MAPFRE.


What does this mean for you?

Evident from a claims score of 7.6, MAPFRE has a reasonable rating compared to the average claim score of 7.9 for similar home insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

7.6

MAPFRE: 7.6
Industry Average: 7.6
MAPFRE: 7.6
Industry Average: 7.6

MAPFRE’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How MAPFRE comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

MAPFRE’s value for price score of 7.6 is excellent compared to the average of 7.6 from other home insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

MAPFRE Home Official Complaints

Home Official Complaints

Average

Tracks how many more or less official complaints MAPFRE has than average. With an index of 0.97 MAPFRE is about average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints MAPFRE has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) MAPFRE has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.97 MAPFRE falls in the middle of the pack.

Complaints by year (normalized against company size)

Customer Reviews

MAPFRE doesn't have reviews yet.

MAPFRE Coverage Options

When it comes to their home, everyone has a different situation and differing needs for protection. While every home insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by MAPFRE

Optional
Standard
Available OptionWhat it means
Additional Insured

The additional insured endorsement extends the liability portion (Coverage E) of your homeowner policy to others living in the home who are not related by blood, marriage, or adoption. It can also apply to those not living with you but who have partial ownership of the property. For example, if your girlfriend's dog bites someone and she gets sued, this endorsement would allow her to make a claim on your policy to cover the costs.

Assisted Living

Generally, this endorsement just extends coverage to personal property that a family member has in an assisted living facility. Some insurers also reimburse a portion of the additional living expenses if your loved one is temporarily displaced.

Business Pursuits

Standard liability coverage protects you and your family against bodily injury or property damage claims made by others. However, this coverage extends only to your personal liability, not your business liability. This endorsement removes that exclusion, thereby providing coverage for harm resulting from business pursuits. Some businesses may not be eligible for this endorsement, depending on the state and insurer.

Child Care Liability

This niche endorsement offers some protection from potential lawsuits and damages for those that operate daycares from home. They cover liability (bodily injury and property damage claims from others). Some policies also cover damages to your personal property. Certain states may also require separate daycare insurance.

Computer

Like Scheduled Property, this endorsement provides additional coverage for households with expensive (or multiple) computers. A standard policy will provide some protection, but this extends it. Keep in mind; this is not a warranty. If a laptop simply malfunctions, coverage likely won't apply with most insurers. External damage from risks like fire, theft, and lightning surges are more what it covers.

Debris Removal

While many homeowners insurance policies cover some amount of debris removal after a covered loss, they tend to limit how much they will pay. This endorsement raises those limits on the standard policy. For insurers who don't offer debris removal by default, this endorsement enables such coverage.

Electronic Data Recovery

This endorsement covers the cost of recovering lost personal computer data caused by a loss.

MAPFRE availability in these states

Auto
Home
Renters

MAPFRE Home Discounts

While all companies offer a range of home insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your home policy. For reference, we've listed all the discounts we believe MAPFRE has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionDiscount DataWhat it means
E-Policy

1% to 1%

When insurers have to mail physical paperwork to customers, the costs add up, and the trees don't appreciate it either. Customers who agree to receive their paperwork electronically reduce costs, which insurers can then pass along to policyholders.

EFT / Autopay

3% to 3%

The reliability of premium payments is valuable to insurance companies. Thus, setting up automatic payments is rewarded with a discount. Where available, pay-in-full discounts outstrip autopay discounts in their amount of savings.

Fire/Burglar Protective Devices

1% to 9%

Levels of protection (and corresponding savings) vary primarily on the way these systems report trouble. The security systems that report to a call center, or directly to the police/fire department, provide the largest discounts.

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How does MAPFRE compare to other insurance companies? Click the following links below to compare MAPFRE to other top insurance companies.

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