I'm a local broker and I love working with CSE. I wanted to respond to a below 1 star rating by a client who expressed dissatisfaction with CSE. CSE is a top tier carrier, and insures regionally in California, Arizona, Colorado, Idaho, Nevada, Oregon, Utah, Virginia, & Washington. They aren't as big and bloated as your national carriers and because of this they need to have tight underwriting and be selective with their clients. The review by Olivia suggests they "overinsured" for her contents, but I would like to mention that "contents" or "personal property" covers a lot more than furnishings. This includes appliances (which can be expensive) your fridge, washer/drier, HVAC unit, TV's, tools, equipment and of course clothing, jewelry and everything else a household accumulates to eat, sleep, and live comfortably. The coverage is set by a flat equation, and that is true that you can't change it. However, most carriers will insured for 50% to 70% of Personal Property based on the Coverage A amount/Building Coverage. CSE also requires every new policy to have an inspection, something I applaud as an insurance agent. Most of these inspections are just drive-bys and are never even noticed by the insured. We are only human, and if we make mistakes on an application, an inspection will correct the application so that the coverage is everything it needs to be for the insured. If Olivia was forced to have $300,000 in contents coverage, then she would have needed at least $600,000 on dwelling coverage. When the home is over half a million in coverage, it is even more important to do the inspection and to expand it to include the interior, since high value homes often have custom build-ups or specialty rooms, fixtures, flooring, etc.... The inspector will put some responsibility on the home owner will set up a time to do the inspection. They are only hired by the insurance company and provide recommendations, they cannot make actual changes to coverage, that is up to underwriting to look at the inspection report and make any changes necessary to the policy based on that report. Also Personal property coverage is just a few dollars, most of the premium of your policy is being billed based on reconstruction cost of the actual dwelling- the walls, roof, foundation, and so forth. Even if CSE had reduced her Personal Property, it would have probably saved her under $20 a year. Just guessing, based on experience. Now, this is not any kind of comment against Olivia as a person. I just wanted to address common misconceptions about how Home policies work. Olivia thinks CSE is a rotten carrier for requiring an inspection and giving her more than adequate coverage. But that is what great carriers like CSE do. They don't experience extreme rate increases because they look at every risk with their eyes wide open, knowing exactly what they are getting into and providing enough coverage to really benefit a person in the case of a claim. No one has ever screamed at me on the phone about having too much coverage in the case of a claim, but people get really upset when they realize their policy is about to run out of money in a claim situation, or the coverage isn't there and it could have been if the agent had just gone over all the options. I know insurance is either boring or frustrating to most people, but insurance companies and your interests are aligned. Most Property/Casualty insurance companies work off a 1% - 7% profit margin on home policies, and on auto policies they often have 0 profit or are actively losing money. That means for every dollar they take in of yours, after they pay all their overhead, and pay their claims, they make just a few cents off of you. Their real profits come from investments, not your premiums. That's why it makes sense to shop every 2 to 3 years, because its such a competitive market and very few consumers are actually loyal to an insurance company. They will go wherever they can save money, and that's why although it feels like your home and auto rates are always going up, often times you save money by switching to another carrier because they want the new business and are willing to undercut their competitors. Olivia, I wish an agent had talked you through why certain coverage's are needed, the true monetary cost of said coverage, and had been there for you to facilitate that refund. (sounds like a computer issue to me, and I won't lie that most insurance companies sure could use an upgrade in their technology) But we still live in a day and age where talking to a real person makes this whole experience better. My experiences with CSE as an insurance broker has been nothing but positive, and I hope this review helps others as they shop for Home and Auto insurance. read more

They always say 'contact your independent sales agent' but his # is disconnected and not returning REPEATED emails. Ridiculous!! We found CES Insurance Group just collects your money but doesn't care about assisting policy holders should problems/claims arise. AVOID AVOID AVOID! Customer S robo response to YELP reviewers says it all! read more

We had a pipe burst in our rental condo. My first communication with Emmanuel was via a phone conversation and was excellent. He was readily available and answered all my questions. The contractor they suggested was phenomenal and would return calls within an hour. Jim at Restoration Solutions was also fun (side note as he was great to work with). The entire project took about 3 months as we needed floors throughout, an entire new kitchen and partial work in one of the baths. Most communication with Emmanuel was through email and we received everything he explained in our original phone call. As Emmanuel indicated, our policy included loss of rent reimbursement as well as gas and electric. We received these funds in a timely manner. I would highly recommend homeowners insurance through CSE. read more

This insurance company is a turd. Small accident hit and run late night. Claiming they need to further investigate-basically saying we are lying. Just pay the claim. They haven't sent a adjuster in person relying on detailed pictures go else where! High rates no service! read more

absolutely horrible experience. it has been 3 months since we filed our claim and our home is nowhere near complete and our rep, cyrilla harris, lauren ramos & p whitman have completely ghosted us. i have called into their main line many times and always get a woman named "SOS" and she has promised me a call back within 24 hrs. no response. i have emailed claims team which promises a response in 24 hrs, no response. this company is a SCAM!!! they will take all your money in premiums and leave you high and dry when you need something. will be reporting them to the Better Business Bureau today for being fraudulent and pursuing litigation in court. read more

I usually don't like leaving bad reviews because I like to be the bigger person but I just had to this time. My car was involved in a 3 car accident in June. The insured of this company CSE, hit another car which in turn hit my parked car. The insured left me his number and insurance company and I started the process with the claim. Boy oh boy, getting a response seemed nearly impossible. After waiting for several weeks, I started calling and emailing every single day. The company finally responded but said that they are only claiming 50 percent fault. That didn't make sense to me because if their insured hadn't hit the other car than that car wouldn't have hit mine. I sent an email stating that & of course got no response. I received a check in the mail yesterday (October 5th) for of course only 50 percent of the initial estimate. Which honestly if that's the best I can get from this company than I'll take it. Too stressful waiting for a response. read more

On Friday April 8th 2022 at aprox 10 am as I was exiting the Alabama exit (eastbound) in Redlands, Ca, I turned left. The vehicle behind me sped up and rear swiped me. After verbally accepting fault and apologizing on video I called SCE insurance company to file a claim. After speaking to customer service, the rep called me back and asked me for the other drivers insurance info (big red flag). Monday comes around and I call back to find out the the claim was not even submitted. I refiled the claim and finally Tuesday a rep by the name of Steven Bais called me to take my statement. After I gave him all the information he said that typically I would hear back within 24 hours. I waited and no calls, I called back Thurs, Friday, and nothing. (I also emailed). Finally on Monday Morning the 18th, 10 days later after being rear ended by their insured, Steven my call just to tell me that they don't accept claim and that they won't be fixing my car. I have missed 6 days of work and I don't have a car. This is a clear case of their insured rear ending me  https://youtu.be/3tAy2ioZstg (video) yet Steven has denied my claim. Also, I did not have neck pain at the moment but I do as time went by so I need to seek medical treatment. read more

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They claim lower rates, but statistics show that just isn't true. I made a claim for a (non-driving) property damage claim of $2,500. I had been a customer for 10 years. They badly screwed me. read more

i have been with CSE for over 30 years. in every instance they are supportive, timely, easy to work with, knowledgeable and always honor the contract. I highly recommend read more

CSE sent a check to my body shop right away with no hassles. They came through like real pros. Great job CSE!

This insurance company is so bad I'm not even sure if it's a real company. They don't return calls or emails. I had a claim and spent time sending them pictures, documents etc etc. and no response. I eventually took care of everything my self. Even if it was something they weren't going to cover I would have appreciated them communicating with me regarding the issue !!! read more

I have been a member for twenty years, and have had a handful of claims. Each was handled professionally, efficiently, and swiftly. I appreciate the customer service and immediate response. All questions were answered immediately either by phone or email. I am proud to be part of this insurance group and highly recommend the company to others. read more

Did not expect my claim (due to fire) went so smoothly. Very happy with Cyrilla Harris, my claim adjustor. She really cares about the customer. I received the loss of rent check by the end of the month when the project has to be prolonged. Highly recommend CSE. read more

They are one of the worst insurance companies on this planet earth. The senior claim adjuster for this company never answers his phone. once you leave a message on his answering machine recorder. He will return you call days later without an answer to your questions. I file a claim three months ago. The been adjuster tells me that he's still waiting to talk to his manager. This particular adjuster have been telling me the same thing for three months. Am no further than I was three months ago. In my problem is water damage with mold. If you're looking for any type of insurance. Look somewhere else. don't expect anything but lies from this company. read more

Smooth and professional claim process at least I had . So far so good . Cyrilla was helping me , she has experience and knowledge.

Worse home insurance company I had a claim. was told to find contractors myself & pay for repairs. Told me I would be refunded. I did everything they told me. I emailed receipts & pics of before, during, & after repairs on roof leak. They did not refund my money. They mailed me a letter terminating our contract. If you don't want to be scammed stay far away from this company. I had paid for two year contract. They stolen my money then ended contract. I've stayed on them calling. They gave me the run around for five moths then cut me off. read more

Absolutely the worse. Where the rubber meets the road for any insurance company is when you need to make a claim. Been fighting with CSE on a home damage claim for 2.5 yrs. They continue to evade, ignore, and price in arbitrary discounts for themselves with no valid reasoning. Small claims would likely not be too much of an issue, however if you really need them to step up on a major damage, you'd likely not be treated very well or fair. read more

I've been with CSE for a reasonable amount of time, so you would think you would be treated as not only a customer, but a good customer. I could not be more disappointed in their handling of my claim which is still open since last July. I'm on my 4th adjustor, which means starting all over - again! Each new person tells me something different, but more than that, their lack of communication is infuriating. I will survive this mess, but take heed and choose another company. read more

Let me share this with you all. I have an open claim now. The auto accident was on last Friday. Monday is Labor Day and I gave the adjuster time reluctantly to call me on end of Tuesday. Nothing!!! I found out who is the adjuster myself and called and called and voicemails and he called me back at 7:40am on Thur when I was busy with kids. I returned call 4 times already today and no call back. Now is 4:15pm and I bet he is gone. Reception is gone also. This is how busy or shorthand they are. My broken family car is still on my driveway and I am still hoping he will call ASAP ASAP!!!!!!!! Update- business manager contacted me and the adjuster finally called me with a little bit update. read more

Always have issues with payments and questions. They are way behind in running a website that is stable and able to take simple payments online. IMO look elsewhere. Time for me to change also. read more

Worst auto insurance I have ever had. They never answer their phones, they never return emails or phone calls, and they do not keep you informed about anything that goes on with claims. I had an insurance claim that was a hit and run and the insurance girl put me as the at fault when I was in a store shopping. Please tell me how I would be at fault. I called the supervisor and because I was never informed about any of this information and had no idea she listed me as the at fault driver, the supervisor said there was nothing she can do because 4 months had passed. 4 months is nothing. So now I have a mark on what was a perfect record because the staff is incompetent and does not know how to contact their insurance holders. AWFUL! AWFUL! AWFUL! read more

I'm currently a customer of CSE Insurance Group, and working through an issue, but need to make sure everyone is aware of what you're getting into with this insurance. I will of course update this as things progress, but here's what I found: 1) I've been a loyal customers for a number of years, and not one incident. Then last year, I had a substantial incident which required me to file a claim. They not only rejected the claim, but then immediately dropped me as a customer. The damage that was done was due to a freak weather storm. I've had 2 geologists look at this, and 5 contractors, and all of the claimed it was due to unfortunately weather conditions that never happen here. So here we are, I've replaced everything, and the reason I've paid for insurance my whole life for an incident like this, and my insurance was cancelled? What? Then I talked to my agent, who was great, and then I'm back on. Something is a bit fishy here. I'm still working through this. Nothing was wrong with the claim agent, or the responsiveness of the customer support, but the integrity of this company is questionable. Someone decided to cancel my account, and then another decided to reinstate? To be continued... read more

Do you want to get ROBBED without a gun? Be a patron of CSE. Homeowners RUN far-away . Car owners RUN far-away. I had a tenant in my rental who vandalized my property, caused over 60k of damage. CSE sent THEIR appraiser who documented 4K of "damage". Let me elaborate on the vandalism: 4 BD/3 BA two story house; ALL doors torn off the hinges, melon sized holes throughout the house walls, All vanity and fixtures uplift or yanked off, feces in the stove, and water damage from the sink being left on. CSE seemed none of my submitted photos as vandalism, b/c it was not caused by a tool but someone's fist and or foot! Laughable!! I took this claim all the way to CA commission, and nothing. I even had CSE's corporate officer argue on the definition of vandalism. Keep in mind my property had additional coverage for these kind of issues. All in all, I had to come out of pocket for 60k+ to get my property back up to par. I'm currently searching for a new insurance company. read more

Alright. So all of your adult life in conversations with friends and family you just hear people moaning and complaining about insurance. Health insurance. Car insurance. Home insurance. All of it. We've dealt with a ton of health insurance nonsense but never home insurance. So when we had a massive leak in our home, my heart sunk knowing what I was about to embark on with our home insurance provider, CSE. I'm happy to say we had an absolute excellent experience through the whole process. Our rep (Bernadette Smith) was awesome. So sweet, kind and empathetic through the whole process. She always did exactly what she said she was going to do, in the timeframe she said she would. Honestly she made my stress so much less and felt she genuinely cared about our situation. A company is only as good as your employees and CSE has a role model in Bernadette. Fair payment, painless experience and great rep. I would recommend. read more

1/23/21...just another update. I received an e-mail from CSE simply stating they were "sorry" about my experience and that someone from their claims management team would be reaching out to me "shortly." Here we are almost a week later and still no response whatsoever from CSE. So I am still holding an inadequate check made out to the wrong people from CSE and despite a disingenuous apology for my experience, they have absolutely nothing to rectify the problem. Do yourself a favor and choose any, literally ANY other company than CSE. They will totally leave you hanging in the moment you need them most. read more

Some of the reviews below are troubling. However, I had a remarkably good experience after the PIneapple Express destroyed one fence and downed the other. Claims adjuster arrived a few weeks later and I received a check for replacement of the fences and repairs. Mine was a happy experience. read more

Don't try to get in touch with them thru the phone, it keeps looping and won't connect you. I called claims and actually connected with a human but they told me there was nothing they could do for me. So it this is how they behave for billings you can just forget about claims or service. They suck big time! I am looking for another insurance company. read more

I would like to thank Christine Lee (adjuster) She's just amazing & caring.. CSE insurance is fair in settling claims.. They made me feel like I was a human being.. read more

incompetent staff. I have an equipment breakdown policy on my plan. My water heater failed. While they did cover it under equipment breakdown, they classified it as water damage and filed not one, but 2 reports with LexisNexxis. Which of course if impacting my renewal rates and ability to change ins providers. They did internally correct it, but no one seems to know how to correct it with LexisNexxis and adjust my rates. I have had to reach out to them multiple times to even get a response. Good thing I'm persistent. read more

Shoutout to Daniel Solano for being the actual WORST insurance adjuster! His passive aggression, lack of communication, and straight up rudeness has really been a pleasure to work with (sarcasm).I love that he can sit on my insurance check and not issue it after months of waiting for it. Even my vendors say they have never dealt with an insurance adjuster so rude. Just go somewhere else. read more

Good deal the first year once your with them they will jack the price up 40% higher, stay away. I called and they told me sorry that's the price Mercury insurance was a lot cheaper and better coverage. read more

Police increase about 50% with no claims I have 4 home insurance policies with CSE. They all went up about 50% with no reason this year. There is no claims at all. read more

CSE is an outstanding insurance company. They did a great job with a claim on my condo and I highly recommend them! Stevie Johnson is excellent providing great service and followed up, and really cared about my claim. I will continue to use them and am looking into other insurance coverage with them. read more

Still dealing with a water leak claim with CSE. They have been adversarial every step of the way. I've never dealt with an insurance company that so openly challenges every claim, rejecting repair recommendations by vendors they actually select. Stay away, even if you have to pay higher premiums. read more

For two years in a row, no communication regarding renewal of policy. When i renewed last year, price went up 34%. I paid due to not having coverage and was told it was because of the California wild fires in 2021. This year, no notice, website said today 3/8/22 my policy was cancelled 3/9/22. No contact, no communication regarding the policy cancellation. Very poor customer service, actually no customer service. Calling tomorrow to see if there is an explanation for cancelling the policy a day before it expired. Very disappointed, not a good company to have trust in. read more

CSE has the worst service and very slimy business practices - I happened to get in an accident and the process of making my claim was an utter disaster. My agent went on vacation halfway through and they didn't properly transfer work over to someone else. This event also caused me to exceed my rental time and they wouldn't extend my rental when the delay was their fault. With the accident on my record, I was aware of my rates going up and accepted the amount I had to pay. Almost a year later, I looked at my mail and with no explanation, they increased my rates by almost 100%. They recommend good rates at the beginning but will eventually screw you over. Canceling my service. Hopefully, no one else falls for their unethical antics. read more

Worst customer service ever. Will definitely be looking for a new insurance company. Very rude on the phone. I'm through.

I just got a "47 " day notice of cancellation on my home insurance due to brush danger! The Hoa cleaned it up before I even got the notice! My insurance agent called them & told them the brush was cleaned up but yet it's still a no! This is sooo wrong on so many levels! Why does a company act in such a manner read more

I cannot recommend CSE Insurance Group for the following reasons: Terrible customer service: Their representatives were not working in my best interest. They are rude and unprofessional. I even received a nasty email from one of them...(happy to share it...) Covid low use refunds: While other auto insurance carries have issued refunds as a result of Covid-19, and plan on issuing more, CSE plays pass the buck with, "we're working on it", and "should we check your mileage"...pathetic is what they are. Overpriced: After repeatedly being told they CSE could do nothing to reduce my rates, I was able to find premium coverage at 250/500 with matching UN/Under 250/500 coverage for $900 less through Costco. Sneeky: CSE will get you to sign a consent to lower your UN/Under to 25/50...not cool. Although I never signed the form, they lowered my UN/under coverage limits to 25/50 and included a pre-filled consent form. Their whole operation is so bad, I was beginning to wonder if they weren't a scam business. Yes, this review is scathing, however I feel that I am doing a public service by sharing this information. I was with them for 5 years and could have saved ~$4,500 during that period. With no claims, tickets, or at fault anything...they robbed me of my hard earned money during which time I could have greatly benefited from those savings. Shame!!! #neveragain https://www.insurance.ca.gov/ read more

Ok, after a bumpy start the insurance company redeemed itself and now they are being efficient and reliable after a claim. Too bad one unreliable employee at the start of my interactions stopped me from giving them 5 stars. After filing a claim and being ignored for a while, they are now giving me excellent customer service. read more