Assurant is the holding company for various underwriting entities that provide renters insurance. In all states, except Georgia and Minnesota, Renters Insurance and Residents Liability Insurance are underwritten by American Bankers Insurance Company of Florida with its home office in Miami, Florida. In Minnesota, the underwriter is American Security Insurance Company. In Georgia, Residents Liability is underwritten by Voyager Indemnity Insurance Company. In Texas, policies sold prior to February 15, 2018, are underwritten by Ranchers and Farmers Mutual Insurance Company for property coverage. Starting February 15, 2018, all policies are underwritten by American Bankers Insurance Company of Florida.
Each insurer has sole financial responsibility for its own products.