The bottom line:
Connect offers a variety of discounts for home and auto policies, but with more than the expected number of complaints, you may find better options elsewhere.
- Offers a wide variety of discounts.
- Homeowners policies cover things like identity fraud and lock replacement after a burglary.
- Guaranteed lifetime renewability for auto policies purchased through Costco as an executive member.
- More than the expected number of complaints to state regulators for auto and home insurance.
- Some auto insurance policy perks require Costco membership fee.
Auto insurance review
3.0/5 NerdWallet rating
You might not immediately recognize the Connect brand, but if you’ve ever considered buying Costco insurance or getting a policy through Ameriprise Financial, you’ve likely encountered its products. Formerly known as Ameriprise Auto and Home Insurance, the Wisconsin-based company was acquired by American Family Insurance in 2019 and renamed Connect in 2020.
Connect sells auto, homeowners, renters, condo and umbrella policies directly to customers, primarily through its partnerships with Costco Wholesale and Ameriprise Financial. The company offers insurance in 44 states and Washington, D.C.
» MORE: Best auto insurance companies
Connect auto insurance coverage
Costco members in most states can receive a discount on Connect auto or home insurance policies. If you’re an executive Costco member, you may also qualify for the following benefits:
Roadside assistance, which covers up to $75 of your expenses if you get a flat tire, run out of gas or have a dead battery.
Lifetime renewability, which guarantees Ameriprise won’t cancel your car insurance policy, even if you have multiple accidents. (Some exceptions apply, and this benefit isn’t available in all states.)
Customers who purchase Connect auto insurance through Ameriprise Financial also get access to discounts and benefits..
In addition to the usual car insurance coverages, Connect sells:
Gap insurance, which pays the difference between the actual cash value of your car and the amount you owe on your car loan if your vehicle is totaled. Connect offers gap coverage for the first three years you own your vehicle, capped at 120% of the car’s value.
New car replacement insurance, which covers the cost of a brand-new car in the same make and model if yours is totaled in a covered loss. Connect provides coverage for the first year or the first 15,000 miles after you buy a new car
» MORE: Compare car insurance rates
Auto insurance discounts
Safe driver discount.
Discount for completing an approved defensive driving course.
Discount for having vehicle safety features such as anti-lock brakes, air bags, automatic seat belts or anti-theft devices.
Discount if you park your car overnight in a garage (in certain areas).
Good student discount.
Discount if your student is away at school more than 100 miles from your home.
Auto insurance buying guide
Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.
When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.
Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.
Homeowners insurance review
3.5/5 NerdWallet rating
Connect home insurance coverage
A Connect homeowners insurance policy includes coverage for:
Identity theft. This pays as much as $5,000 to help you recover if your identity is stolen.
Credit card or check fraud. This covers losses due to your credit card being stolen or hacked, as well as check fraud, with no deductible.
Food spoilage. If your food spoils due to a power outage, Connect will replace up to $500 worth of groceries with no deductible.
Lock replacement, which pays up to $100 to change your locks if someone has broken into your home.
Costco executive members receive additional benefits, including:
Glass repair reimbursement, which will pay up to $1,000, twice a year, to fix broken windows.
Home lockout assistance, which covers up to $100 for locksmith services, twice a year, if you’re locked out of your home.
Connect offers several types of optional coverage that can be added to its home policies, including a few that other insurers don’t often mention.
Earthquake: Covers damage to your home and belongings from an earthquake.
Mine subsidence: Pays for damage to a building located over a mine. This includes settling, foundation cracks or the collapse of your house.
Home media equipment: Offers extra coverage for items like TVs, Blu-ray players, cameras and cell phones. This coverage is sold in increments of $2,500, $5,000 and $10,000.
Adventure equipment: Covers items such as golf clubs, skis and bikes without appraisals or a deductible.
Backup and overflow: Pays if there is damage from a sump pump failure or sewer backup.
Personal injury: Covers claims against you for issues such as slander, libel and wrongful eviction.
Home insurance discounts
Discount for insuring a relatively new home.
Discount for having filed no claims in the past five years.
Discount for adding protective devices like smoke alarms, deadbolt locks, security alarms, a sprinkler system and fire extinguishers.
Discount for renovations including roof replacement, heating and cooling renovation and electrical or plumbing updates.
Complaints and customer satisfaction
Connect had more than the expected number of complaints about auto and home insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
More about Connect insurance
Website: Connect lets you report a claim, access your policy or get a quote online. You can pay your insurance bill all at once or in monthly installments.
App: Connect does not have a smartphone app at this time.
Other insurance from Connect
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Home insurance ratings
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Frequently asked questions
You can get a quote online, by phone or by email.
Connect sells insurance in Washington, D.C., and all states except Alaska, Louisiana, Maine, North Dakota, Rhode Island and Wyoming.
You can file an auto or home claim online or over the phone.