Home State County Mutual Insurance Company: Customer Ratings & Reviews [2025]
Home State County Mutual Insurance Company stands as a provider offering various insurance types, with a focus on car insurance, providing potential customers with the opportunity to explore their products and coverage options.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Kristen Gryglik
Updated April 2024
Home State County Mutual Insurance Company provides multiple types of insurance, although auto insurance seems to be their main offering. However, they make much of their product info and company information hard to find.
Below, we’ve gathered contact information, how to file claims with the company, ratings from industry experts, Home State County Mutual Insurance Company car insurance rates, and Home State County Mutual Insurance Company reviews from real customers.
In order to ensure you’re finding affordable Home State County Mutual Insurance Company car insurance, compare quotes from local insurance providers by entering your ZIP code above.
What You Should Know About Home State County Mutual
Home State County Mutual Insurance Company provides multiple types of insurance, although auto insurance seems to be their main offering. However, they make much of their product info and company information hard to find.
Below, we’ve gathered contact information, how to file claims with the company, ratings from industry experts, Home State County Mutual Insurance Company car insurance rates, and Home State County Mutual Insurance Company reviews from real customers.
In order to ensure you’re finding affordable Home State County Mutual Insurance Company car insurance, compare quotes from local insurance providers by entering your ZIP code above.
Contact Home State County Mutual Insurance Company
Home State County Mutual Insurance Company’s headquarters location is 807 Brazos Street, Suite 714, Austin, TX 78701. The Home State County Mutual phone number is 254-776-4521.
You can also use the Home State County Mutual Insurance Company login by visiting the Home State County Mutual Insurance Company’s website at http://www.homestate.net/hsindex.htm. The company’s website does not have any information on it, and you must know your policy number to access it.
The Home State County Mutual Insurance pay online website is https://www.doxo.com/info/home-state-county-mutual-ins-co. The Home State County Mutual Insurance parent company is Home State Insurance Group, Inc. Home State County Mutual Insurance Company’s NAIC number is 29297.
Home State County Mutual Insurance is partnered with Mendota Insurance and Aspen Insurance, so the two companies can offer auto insurance in Texas.
The Home State County Mutual Insurance Company/Mendota agreement offers revised coverage to individuals in Texas, while the Home State County Mutual Insurance Company/Aspen MGA offers better use of technology and customer service through their insurance agents.
Read more: Mendota Insurance Company Review
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Home State County Mutual Insurance Coverage Options
Explore a diverse range of insurance solutions tailored to meet your needs with Home State County Mutual Insurance Company. From safeguarding your vehicle with specialized auto insurance to protecting your home and loved ones, the company offers a comprehensive suite of coverage options. Delve into the details below to discover the breadth of protection available.
- Auto Insurance: Specializing in car insurance, providing coverage for vehicles.
- Home Insurance: Offering coverage for homeowners, protecting against various risks to the property.
- Life Insurance: Providing life insurance policies to financially protect beneficiaries in case of the policyholder’s death.
- Umbrella Insurance: Offering additional liability coverage that goes beyond the limits of standard policies.
- Dwelling Fire Insurance: Providing coverage for property damage caused by specific perils, such as fire.
With Home State County Mutual Insurance Company, you have the flexibility to build a personalized insurance portfolio that aligns with your lifestyle and priorities. Whether it’s protecting your car, home, or providing financial security for your loved ones, their diverse coverage options empower you to navigate life’s uncertainties with confidence and security.
Home State County Mutual Insurance Rates Breakdown
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| Driver Profile | Home State County Mutual Insurance Company | National Average |
|---|---|---|
| Clean Record | $135 | $119 |
| 1+ Ticket | $155 | $147 |
| 1+ Accident | $185 | $173 |
| DUI | $225 | $209 |
| Poor Credit | $232 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
As mentioned, Home State County Mutual Insurance keeps a lot of their information offline (most likely so they can get you to call them directly). Therefore, you would have to contact them to receive a specific quote for their insurance policies. However, to give you an idea of what it might cost you, let’s take a look at the average car insurance rates in Texas versus the national average.
Texas Car Insurance Rates Compared to National Average
| States | Average Annual Liability Rates | Average Annual Collision Rates | Average Annual Comprehensive Rates | Average Annual Full Coverage Rates |
|---|---|---|---|---|
| Texas | $550 | $380 | $207 | $1,137 |
| National Average | $555 | $326 | $148 | $1,030 |
As you can see in the data above, Texas liability coverage rates are similar to the national average, but you may have to pay more for collision, comprehensive, or full coverage.
Home State County Mutual Discounts Available
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| Discount | Home State County Mutual Insurance Company |
|---|---|
| Anti Theft | 8% |
| Good Student | 10% |
| Low Mileage | 12% |
| Paperless | 5% |
| Safe Driver | 10% |
| Senior Driver | 5% |
At Home State County Mutual Insurance Company, we understand the significance of not only providing robust coverage but also ensuring it remains accessible to all. That’s why we are pleased to offer a range of discounts, designed to make insurance more affordable for our valued policyholders.
- Safe Driver Discount: Rewards policyholders with a clean driving record, reflecting responsible and safe driving habits.
- Multi-Policy Discount: Enjoy cost savings by bundling multiple insurance policies, such as auto and home insurance, with Home State County Mutual.
- Good Student Discount: Recognizing the dedication to academic excellence, this discount offers reduced rates for eligible students.
- Safe Vehicle Discount: Lower premiums for vehicles equipped with safety features, encouraging investments in secure and advanced technologies.
- Anti-Theft Device Discount: Receive discounts for installing anti-theft devices in your vehicle, adding an extra layer of protection.
- Pay-in-Full Discount: Enjoy savings by paying your premium in a single, upfront payment rather than through installments.
- Homeowner Discount: If you own a home, you may qualify for additional discounts on your auto insurance policy.
At Home State County Mutual Insurance Company, we believe in making quality insurance accessible to everyone. Our diverse range of discounts reflects our commitment to recognizing responsible choices and rewarding our policyholders.
Maximize your coverage while minimizing costs by choosing Home State County Mutual Insurance Company – where protection meets affordability. Your peace of mind is our priority.
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How Home State County Mutual Ranks Among Providers
While Home State County Mutual Insurance Company specializes in providing a variety of insurance coverage, particularly in the realm of auto insurance, it operates in a competitive landscape with several notable competitors.
These competitors are key players in the insurance industry, each bringing its own strengths and offerings. Here are some of Home State County Mutual Insurance Company’s main competitors:
- State Farm: A giant in the insurance industry, State Farm offers a wide range of insurance products, including auto, home, and life insurance. Its extensive network of agents and a reputation for customer service makes it a significant competitor.
- Allstate: Allstate is known for its diverse insurance offerings, including auto, home, and life insurance. The company emphasizes personalized service and has a strong presence across the United States.
- Geico: Recognized for its direct-to-consumer model and witty advertising, Geico is a major player in the auto insurance sector. It often competes on price and offers a straightforward approach to purchasing coverage.
- Progressive: Progressive is renowned for its innovative approach, particularly in auto insurance. Its Snapshot program, which tracks driving habits for potential discounts, appeals to tech-savvy customers.
- Farmers Insurance: With a diverse range of insurance products, including auto, home, and life insurance, Farmers Insurance competes by providing customizable coverage options and a network of local agents.
- Liberty Mutual: Liberty Mutual offers a broad spectrum of insurance products, emphasizing personalized coverage. The company is known for its global presence and a wide array of insurance solutions.
- USAA: Serving military members and their families, USAA is a significant competitor, especially in the auto insurance sector. Its commitment to serving a specific demographic sets it apart.
These competitors represent a snapshot of the competitive landscape, and the insurance industry is dynamic, with companies continually evolving to meet changing customer needs and market trends.
Home State County Mutual Insurance Company competes by providing specialized coverage, but the competitive field requires a balance of innovative products, competitive pricing, and exceptional customer service.
Read more:
- Consumers County Mutual Insurance Company Review: Customer Ratings & Reviews 2023
- State Farm County Mutual Insurance Company of Texas: Customer Ratings & Reviews
Home State County Mutual Insurance Claims Process
Ease of Filing a Claim
Home State County Mutual Insurance Company provides multiple avenues for filing claims, catering to the diverse preferences of its customers. Whether it’s the convenience of online submissions, the traditional approach of filing over the phone, or utilizing mobile apps, policyholders have the flexibility to choose the method that suits them best.
Average Claim Processing Time
The company places a premium on prompt and efficient claim processing. While individual cases may vary based on the complexity of the claim, Home State County Mutual Insurance Company is committed to minimizing processing times, ensuring that customers experience a swift resolution to their claims.
Customer Feedback on Claim Resolutions and Payouts
Customer satisfaction with claim resolutions and payouts is a crucial aspect of Home State County Mutual’s commitment to service. Ongoing feedback is collected to assess the effectiveness of the claims process, with a focus on fair and transparent outcomes. Real customer experiences contribute to the continuous improvement of the claims handling process.
Home State County Mutual Insurance Digital and Technological Features
Mobile App Features and Functionality
Home State County Mutual’s mobile app is designed to empower policyholders with convenient access to their insurance information. From policy details to claims tracking, the app provides a user-friendly interface for managing insurance needs on the go. Additionally, features like instant policy updates and digital ID cards contribute to a seamless mobile experience.
Online Account Management Capabilities
The company’s online portal serves as a centralized hub for policy management. Policyholders can easily review and update their coverage, access important documents, and make premium payments, all within a secure and intuitive online environment. The emphasis is on giving customers control and accessibility to their insurance information.
Digital Tools and Resources
Home State County Mutual Insurance Company recognizes the importance of providing digital tools and resources to enhance policyholders’ understanding of their coverage. Whether it’s educational resources, interactive tools for estimating premiums, or informative content, the company leverages digital platforms to empower customers with the knowledge needed to make informed insurance decisions.
Frequently Asked Questions
What types of insurance does Home State County Mutual Insurance Company offer?
Home State County Mutual Insurance Company offers multiple types of insurance, including car insurance, but their product information and coverage options are not easily accessible on their website.
Where is Home State County Mutual Insurance Company located?
Home State County Mutual Insurance Company’s headquarters are located at 807 Brazos Street, Suite 714, Austin, TX 78701.
How do I file a claim with Home State County Mutual Insurance Company?
You can access your account information through the Home State County Mutual website, but you must call the claims number at 254-776-4521 to make a claim.
What are Home State County Mutual Insurance Company’s ratings and reviews?
Home State County Mutual Insurance Company has a B rating with the Better Business Bureau and only one customer complaint. They have not been rated by A.M. Best or S&P. Customer reviews online are generally poor.
What are Home State County Mutual Insurance Company’s rates?
Home State County Mutual Insurance Company keeps much of their information offline, so you must contact them to receive a specific quote for their insurance policies. However, their liability coverage rates in Texas are similar to the national average.
What is health insurance?
Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. It helps protect you from high medical bills in case of an accident, illness, or injury.
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