Houston General Insurance Company: Customer Ratings & Reviews [2024]
Houston General Insurance Company, a seasoned and reputable player in the auto insurance industry, stands as a reliable choice for customers seeking comprehensive coverage options and competitive prices.
Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Houston General Insurance Company
Average Monthly Rate For Good Drivers
$104A.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- Wide range of insurance products offered
- Competitive pricing
- Easy online quote process
- Discounts available for multiple policies and safe driving
- 24/7 claims service
Cons
- Limited availability in certain states
- No mobile app for policy management
- Limited information on website about specific coverage details
Houston General Insurance Company is a reputable insurance provider that offers a variety of coverage options at competitive prices. The company has a solid reputation and has been serving customers for over 30 years.
In this article, we explore the history and mission of Houston General, its main products and services, the cost of those services, states where their services are offered, and the different types of discounts available to customers.
We also summarize customer reviews of the company and include an FAQ section to provide additional information for those considering Houston General Insurance Company as their insurance provider.
What You Should Know About Houston General Insurance Company
Company Contact Information
- Houston General Insurance Company Address: 9800 Northwest Fwy #400, Houston, TX 77092, United States Phone: +1 713-468-2886 Website: https://houstongeneral.com/ Email: info@houstongeneral.com
Related parent or child companies: Houston General Insurance Company is a subsidiary of Global Indemnity Group, LLC.
Financial ratings: Houston General Insurance Company has an A- (Excellent) financial strength rating from A.M. Best.
Customer service ratings: Houston General Insurance Company has received mixed reviews when it comes to customer service. Some customers have reported positive experiences with the company’s representatives, while others have reported issues with claims handling and difficulty reaching customer service.
Claims information: Houston General Insurance Company offers a claims reporting hotline that is available 24/7. Customers can also file claims online through the company’s website. The company states that it strives to provide prompt and fair claims handling.
Company apps: Houston General Insurance Company offers a mobile app for iOS and Android devices that allows customers to view policy information, pay bills, and file claims. The app has received mixed reviews from users, with some reporting issues with functionality and difficulty logging in.
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Houston General Insurance Company Insurance Coverage Options
Houston General Insurance Company offers a wide range of car insurance coverage options to meet the needs of its customers. Here are some of the coverage options that the company offers:
- Liability coverage: This coverage pays for damages that you cause to other people or their property while driving your car.
- Collision coverage: This coverage pays for damages to your car if you are in an accident, regardless of who is at fault.
- Comprehensive coverage: This coverage pays for damages to your car caused by non-collision events, such as theft, vandalism, or natural disasters.
- Personal injury protection (PIP): This coverage pays for medical expenses, lost wages, and other related expenses if you or your passengers are injured in a car accident.
- Uninsured/underinsured motorist coverage: This coverage pays for damages caused by a driver who doesn’t have enough insurance to cover the costs of an accident.
- Roadside assistance: This coverage provides assistance if you experience a breakdown or other issues while driving, such as running out of gas or getting a flat tire.
These coverage options can be customized based on your needs and budget, allowing you to create a policy that provides the protection you need at a price you can afford.
Houston General Insurance Company Insurance Rates Breakdown
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| Driver Profile | Houston General Insurance Company | National Average |
|---|---|---|
| Clean Record | $110 | $119 |
| 1+ Ticket | $135 | $147 |
| 1+ Accident | $155 | $173 |
| DUI | $180 | $209 |
| Poor Credit | $189 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Houston General Insurance Company Discounts Available
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| Discount | Houston General Insurance Company |
|---|---|
| Anti Theft | 10% |
| Good Student | 18% |
| Low Mileage | 15% |
| Paperless | 5% |
| Safe Driver | 15% |
| Senior Driver | 10% |
Houston General Insurance Company offers a range of discounts for their car insurance policies. These discounts can save customers a significant amount of money on their premiums, making it more affordable to stay insured. Some of the discounts offered by Houston General Insurance Company include:
- Multi-car discount: If a customer insures more than one vehicle with Houston General, they can receive a discount on their car insurance premiums for each vehicle.
- Safe driver discount: Customers with a clean driving record, without any traffic violations or accidents, can receive a discount on their car insurance premiums.
- Good student discount: Full-time high school or college students with good grades can receive a discount on their car insurance premiums.
- Defensive driving discount: Customers who have completed a state-approved defensive driving course can receive a discount on their car insurance premiums.
- Military discount: Active-duty military personnel and veterans can receive a discount on their car insurance premiums.
- Senior discount: Customers over the age of 55 can receive a discount on their car insurance premiums.
These discounts can vary depending on the state and policy type, so customers should check with Houston General Insurance Company to see which discounts they are eligible for. By taking advantage of these discounts, customers can save money and get the coverage they need at an affordable price.
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How Houston General Insurance Company Ranks Among Providers
Houston General Insurance Company is a well-known player in the auto insurance industry. However, the company has many competitors that offer similar services and products. Below are some of Houston General Insurance Company’s main competitors:
- State Farm: State Farm is one of the largest auto insurance providers in the United States, with a market share of about 17%. The company offers a range of coverage options, including liability, collision, and comprehensive coverage. Additionally, the company offers a range of discounts, such as safe driving, accident-free, and multiple vehicle discounts.
- GEICO: GEICO is another major player in the auto insurance industry, with a market share of about 13%. The company offers a range of coverage options, including liability, collision, and comprehensive coverage. Additionally, the company offers a range of discounts, such as safe driver, good student, and military discounts.
- Progressive: Progressive is known for its innovative use of technology in the auto insurance industry. The company offers a range of coverage options, including liability, collision, and comprehensive coverage. Additionally, the company offers a range of discounts, such as safe driver, multi-car, and multi-policy discounts.
- Allstate: Allstate is another major player in the auto insurance industry, with a market share of about 9%. The company offers a range of coverage options, including liability, collision, and comprehensive coverage. Additionally, the company offers a range of discounts, such as safe driving, anti-theft device, and multiple-policy discounts.
- Nationwide: Nationwide is a well-known auto insurance provider, with a market share of about 4%. The company offers a range of coverage options, including liability, collision, and comprehensive coverage. Additionally, the company offers a range of discounts, such as safe driver, accident-free, and multiple-vehicle discounts.
These are just a few of Houston General Insurance Company’s main competitors in the auto insurance industry. It’s important to compare coverage options, discounts, and prices before making a decision on an auto insurance provider.
Frequently Asked Questions
How can I contact Houston General Insurance Company for more information?
You can reach Houston General Insurance Company through the contact information provided on their official website or by using their claims reporting hotline, available 24/7.
What is Houston General Insurance Company’s financial strength rating?
Houston General Insurance Company holds an A- (Excellent) financial strength rating from A.M. Best, indicating a strong financial standing.
How does Houston General Insurance Company handle customer claims?
The company provides a 24/7 claims reporting hotline and an online claims filing option on their website, emphasizing prompt and fair claims handling.
What types of coverage options does Houston General Insurance Company offer?
Houston General Insurance Company offers a range of car insurance coverage options, including liability, collision, comprehensive, and customizable options to suit individual needs and budgets.
What discounts are available with Houston General Insurance Company?
Houston General Insurance Company provides various discounts, such as safe driver discounts, multi-policy discounts, and more. Eligibility and availability may vary by state and policy type, so it’s advisable to check with the company for specific details.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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