Assurant
Financials
59
out of 100. Number 130 of 512, counting from the worst.
Where Assurant does well
- Renewals 4 of 20. Few problems found.
- No automatic renewal trap in the flagship 360° plan: it is a fixed term, cancelable anytime by phone or online with a full refund in the first 30 days and pro-rata refunds after, plus a 20-day 'free look' rejection window in Washington and 10% admin-fee caps on cancellation (deleted entirely in Florida).
- The plan's arbitration is non-binding — either side can reject the award and go to court — and six states (GA, LA, OR, NV, UT, WI, WY) delete the arbitration clause outright.
- The website Terms require AAA Consumer Rules, a hearing in the county where you live, and Assurant will advance arbitration fees on written request.
- On privacy: an explicit 'We do not sell your personal information' pledge, a 'Do Not Sell or Share My Personal Information' link on the homepage, a stated no-fully-automated-profiling commitment (human review required for decisions with legal effect), and an explicit carve-out that nothing in the Terms waives your rights under your state's consumer protection laws.
Just visiting assurant.com means you give up your right to sue them in court or join a class action — every dispute goes to private, individual arbitration.
The fine print
6 clauses and findings from the draft archive, dated 1 October 2026. The plain English comes first; the small print is the company's own words. None of these has been checked yet.
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Just visiting assurant.com means you give up your right to sue them in court or join a class action — every dispute goes to private, individual arbitration.
ARBITRATION NOTICE: YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS, OR PARTICIPATE IN, A CLASS, CONSOLIDATED, REPRESENTATIVE, COLLECTIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR ARBITRATION.
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Even if a court throws out the arbitration clause, class actions stay off the table — and you still lose your right to a jury trial; a judge alone decides your case.
If any portion of this Arbitration Provision is deemed invalid or unenforceable, it shall not invalidate the remaining portions of the Arbitration Provision, except that in no event shall this Arbitration Provision be amended or construed to permit arbitration on behalf of a group or class. ... In the event any litigation arises between You and Us, any such lawsuit will be tried before a judge, and a jury will not be impaneled or struck.
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Arbitration outcomes are secret — neither side can talk about them — and the arbitrator can't award punitive damages no matter how egregious the conduct.
You and We agree that except as may be required by law, neither You nor We may disclose the existence, content, substance, documents, or information submitted thereunder, or any results of any arbitration hereunder without the prior written consent of other party. ... the arbitrators will not have authority to award punitive or exemplary damages.
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They pledge not to 'sell' your data, but they can hand it to outside companies for joint marketing and targeted advertising — and third-party trackers on their sites follow your browsing across other websites, which they admit they don't control.
We may lawfully share customer information with persons or organizations inside or outside our family of companies that perform marketing services for us or with whom we have joint marketing agreements. ... In the past twelve (12) months, we may have shared certain identifiers such as email addresses and pseudonymized identifiers, information about the use of our websites and apps, and inferences drawn about you to our social media, advertising, and analytics partners for data analytics and Targeted Advertising purposes.
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They can rewrite the rules whenever they want with no direct notice to you — just visiting the site again counts as agreeing to the new terms.
We may modify these Terms at any time. Your continued use of the Site after changes are posted constitutes your acceptance of those changes. ... Assurant, Inc. and/or its subsidiaries may change the programs or products mentioned at any time without notice.
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They can cut off your site access for any reason with no notice and no refund, while you promise to cover their legal bills if anything about your visit causes a dispute.
We reserve the right to disable, suspend or terminate Your access to this Site for any reason and without any notice... You agree that We will not be liable to You or any third-party for any such termination nor obligated to reimburse You for any resulting loss. ... You agree to indemnify and hold Us, Our affiliates and licensors... harmless from and against any and all claims, liabilities, damages (actual and consequential), demands, losses and expenses (including legal and other professional fees) arising from or in any way related to Your use of this Site.
How these were found
Documents read Oct 1, 2026 directly from assurant.com and Amazon's media CDN (no mirrors needed): (1) 'Legal Notice | Terms and Conditions' — https://www.assurant.com/legal-notice, effective date 10/07/2025, covers assurant.com website use; (2) 'Assurant Insurance Solutions | Privacy Policy' — https://www.assurant.com/privacypolicy/insurance, the Gramm-Leach-Bliley annual notice for insurance products, undated on the page; (3) 'Assurant Privacy Commitments and Privacy Notice' (Online Privacy Notice) — https://www.assurant.com/privacypolicy, last updated September 19, 2025; (4) 'Assurant 360° Protection Summary / Extended Service Plan Terms and Conditions' (product form PP24364-0714) — https://m.media-amazon.com/images/I/71E2b22hcrL.pdf, an older service-plan form sold via Amazon. Assurant also operates carrier/partner-branded consumer portals (firstprotection, desjardins, bmo, apu subdomains) with their own terms that were not reviewed; mobile device-protection plan terms vary by retail partner and state, and state-law disclosures in the 360 plan override several provisions.
These notes come from the original draft and are not independent verification.