Home State County Mutual Insurance Company, one of the largest insurers of private passenger vehicles & trucks in Texas, sells nonstandard auto insurance through local independent insurance agencies throughout the Lone Star State, assisted through its Managing General Agent (MGA) partnerships with other auto insurance companies like National General (formerly GMAC), Titan / Victoria insurance companies(owned by Nationwide Insurance), Alfa Vision, Kemper, and Esurance. Independent insurance agents often represent a companies with the best rates for drivers not qualifying for standard insurance rates due to their driving record or other reasons. If an agent tries to sell you and auto insurance policy from Home State County Mutual Insurance Company, is it really a good choice for you?
If you have no problem qualifying for standard auto insurance rates, you should not insure with a nonstandard auto insurance company like Home State County Mutual Insurance Company. Nonstandard auto insurance is automobile insurance for higher risk drivers some standard or preferred auto insurance companies won’t insure, such as newly licensed or inexperienced drivers, drivers with too many tickets or accidents, license suspension, or a major driving violation, such as a DUI, DUII, DWI, reckless driving.
If you are the type of driver that needs a company like Home State County Mutual Insurance, is there a better auto insurance company for you? Does Home State County Mutual auto insurance have too many customer complaints? How does Home State County Mutual compare to competing auto insurance companies like Progressive & GEICO? This blog post will help you answer these questions and review Home State County Mutual Insurance Company, evaluating its JD Power, AM Best, BBB (Better Business Bureau) ratings, and customer complaints over the last three years, to let you know if Home State County Mutual has a better than average, average, or worse than average complaint record or competitive auto insurance rates.
The information in this review can help you decide if Home State County Mutual Insurance Company is a good company to insure your cars or trucks. The smart insurance shopper checks their eligibility with all the major companies for the right combination of coverage, acceptable claims & customer service, and best price for them. Be sure to use the ad below this paragraph (or the ad at the end of this review) to request price quotes from multiple insurance companies, and find the best insurance company for you.
I update my reviews throughout the year as new data becomes available, so be sure to bookmark or place my website in your favorites, so you can keep up on how Home State County Mutual and other major insurance companies perform in the future. If the information in this review helps you, please like this review on Facebook and share the link to it on the Web and through social media.
Home State County Mutual Auto Insurance Review
This Home State County Mutual auto insurance review is divided into five parts, consisting of: 1. a company overview including the Home State County Mutual Insurance Company website and how to get auto insurance price quotes, 2. the AM Best financial strength ratings for Home State County Mutual Insurance Company, 3. the JD Power customer satisfaction ratings and BBB rating for Home State County Mutual Auto Insurance, 4. the auto insurance customer complaint records for Home State County Mutual Insurance Company over the last three years, 5. a review summary of Home State County Mutual Insurance Company, rating its customer complaint record as average, better than average, or below average, and the competitiveness of Home State County Mutual auto insurance rates.
1. About Home State County Mutual Auto Insurance
Home State County Mutual Insurance Company was founded in 1948 and has offices in Waco & Dallas, Texas. Home State County Mutual Insurance Company is a subsidiary company owned by Home State Insurance Group, also owning Equity Insurance Company, a nonstandard auto insurance company insuring vehicles in Oklahoma, Arkansas, & Missouri, which it acquired in 2001. I will write about Equity Insurance company in a future review.
Home State County Mutual Insurance Company sells nonstandard car insurance for drivers considered higher risk by insurance companies, such as drivers with tickets or accidents, a recent lapse or no prior insurance coverage, drivers licensed less than three years, or other reasons. If you qualify for standard or preferred auto insurance with any company, even if you want only your state’s minimum coverage, it’s probably a better & less expensive choice for you than Home State County Mutual Insurance Company.
Home State County Mutual Insurance Company sells its auto insurance (personal use & commercial use) in Texas through the local agents & sales operations of other insurance companies, such as National General (formerly GMAC), Titan / Victoria insurance companies(owned by Nationwide Insurance), Alfa Vision, Kemper, Equity Insurance Company (a subsidiary owned by the same parent company as Home State County Mutual Insurance Company), Safeco, and Esurance, serving as managing general agents (MGAs).
Here are other MGAs working with Home State County Mutual Insurance Company:
Paragon Insurance Managers, Personable Insurance, Anchor General Insurance Company, Spartan, Western General, Safeco, Germania, AAAA Insurance (Saga), Cabrillo Pacific, MILE General Agency, A-MAX, Apollo, Acceptance Casualty – Brecht & Associates, RLI, Rio National/Colorado, Continental, Texas State Low Cost, Windhaven-Florida, AMWINS/Excel General Agency, EGI Auto, Freedom National Insurance Company, First Connect Insurance Services, Bristol West (Reliant), Multi-States, All Motorists Insurance Agency, Western Surplus Lines, Mountain States/Multi-State, Mendota/Boston, Texas Colonial General Agency/Excel General Agency/AMWINS, Star Managing General Agency, Acceptance Casualty/Brecht & Associates, Alternative Risk Consultants, McClelland & Hine/Safe Insurance, American Underwriting Services/Safe Insurance, TIS/Cox/Safe Insurance, Wilshire,
If you are a driver not qualifying for standard or preferred auto insurance coverage, and live in Texas, you should check with an independent insurance agency or a company selling direct like Esurance, representing Home State County Mutual, and see if Home State County Mutual offers the coverage you need at the lowest rates.
Terms of coverage and exclusions can vary a lot among nonstandard auto insurance companies, so shop with several agents knowledgeable about the nonstandard auto insurance companies providing coverage in Texas, to find the best nonstandard auto insurance company for you. If you can qualify for Progressive or GEICO, they may be a better choice for you.
Home State County Mutual Website, Getting Auto Insurance Price Quotes, & Reporting Claims
You can’t get auto insurance price quotes online from the Home State County Mutual Insurance Company website, and unlike the multi-functionality & product/company information available on many insurance company websites these days, Home State County Mutual customers can only use the site to get the phone contact number for their Managing General Agent (usually another insurance company) by inputting their policy number. Claims can only be reported and filed by contacting the MGA issuing the Home State County Mutual auto insurance policy.
However, Esurance is an MGA for Home State County Mutual Insurance Company, so Texas residents can contact Esurance for an auto insurance quote, and if they don’t qualify for Esurance auto insurance, Esurance may quote them Home State County Mutual auto insurance. You can use the ads at the top & bottom of this review to contact Esurance.
Source: Home State County Mutual Insurance Company website
2. AM Best Financial Strength Ratings for the Home State County Mutual Insurance Company
Home State County Mutual Insurance Company is not currently rated by AM Best for financial strength. I recommend avoiding, if possible or practical, any auto or homeowners insurance company not rated by AM Best, or with an AM Best Financial Strength Rating lower than an “A-” rating for financial strength from AM Best.
However, when it comes to the higher cost of nonstandard auto insurance in general, consumers often make their choice of company based on the lowest rates, and don’t always have many options for companies with higher AM Best ratings.
Source: Home State County Mutual Insurance Company AM Best Rating
3. Home State County Mutual Auto Insurance JD Power & BBB Ratings
JD Power Customer Satisfaction Ratings
Home State County Mutual Insurance Company, although being a major auto insurer in the state of Texas, does not have enough customers at this time to be included in any of the recent annual JD Power insurance customer satisfaction studies, even in the Texas region, which evaluate the largest national and regional auto or homeowners insurance companies in the USA.
Not being included in a JD Power insurance study does not make Home State County Mutual Auto Insurance better or worse than larger JD Power rated companies or better-known brands, but it does make it harder to objectively evaluate the quality of customer service provided by a company not rated by JD Power, like Home State County Mutual Auto Insurance.
Better Business Bureau (BBB) Rating
Customer complaints are best directed toward a customer’s state department of insurance, but the Better Business Bureau is a well-known and popular choice for consumers filing complaints against companies. If many customers are having difficulty resolving an issue with their insurance company and take the time to contact the Better Business Bureau about it, it’s a pretty good sign customers in general may be unhappy with the service provided by their insurance company. If a lot of complaints are made to the BBB about a company, in greater numbers than similar-sized insurance companies, it’s reflected in the BBB rating, and is one indicator the company may have more dissatisfied customers than some of its competitors. I don’t consider an A+ BBB rating to be a reliable indication of a good insurance company, but a lower than “A-” rating should be considered as a sign of below average customer service.
Although Home State County Mutual has a BBB company profile page under “Home State County Mutual Insurance” showing one complaint made and resolved in the last three years, with the highest BBB rating of A+, Home State County Mutual has another BBB company profile page under “Home State County Mutual Insurance Company” showing three complaints in the last three years with a BBB rating of C-.
The only reason for the lower rating is explained on the BBB web page as being for the company’s lack of response to one of three complaints.
I don’t consider higher BBB ratings to be a reliable indication of a good insurance company, but a lower rating may be a sign of below average customer service.
The A+ rating can be dismissed as not relevant since only one complaint in the last three years was filed against the company. However, I’m not too concerned about the C- rating, because it was based on the lack of response to only one complaint received in the last three years.
To date, it is my opinion the BBB rating & BBB complaint record For Home State County Mutual Insurance company should not be a concern for its customers or prospective customers in Texas.
Although the company not responding to a complaint shows a lack of regard for acceptable customer service in this one instance, it was only one complaint. The complaint was made by a vehicle owner claiming to have been hit by a vehicle insured by Home State County Mutual, but it’s possible the vehicle was not actually insured by Home State County Mutual at the time, or had erroneous contact information for the company, which may explain why there was no response by Home State County Mutual. One unanswered complaint is not enough to say this is typical behavior for Home State County Mutual Insurance Company
Source: BBB ratings for Home State County Mutual Insurance Company
4. Home State County Mutual Auto Insurance Complaints filed with a State Agency
The most common reasons for people to file car insurance company complaints with a state insurance department are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim.
The auto insurance complaint statistics for Home State County Mutual Insurance Company listed below are calculated by the NAIC, and display the ratio of the company’s U.S. market share of closed complaints compared to its U.S. market share of premiums for a specific policy type. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an insurance company with complaint ratios much less than 1.00 each year, over the last three years.
So you don’t have to worry about interpreting complaint ratio numbers, I devised a rating system to help you identify if Home State County Mutual auto insurance has a good or poor complaint record.
Here’s how I establish my auto insurance complaint ratings:
B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.
C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.01 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.99 to .75).
W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.
I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $100,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints, or with inconsistent complaint records, unless there are mitigating factors, such as very small market share.
B = Better than Average C = Average W = Worse than Average
2017 Auto Insurance Complaint Ratio = W (3.42)
2017 US auto insurance premium = $298,059,001
2016 Auto Insurance Complaint Ratio = W (2.45)
2016 US auto insurance premium = $436,880,263
2015 Auto Insurance Complaint Ratio = C- (1.23)
2015 US auto insurance premium = $705,717,011
2014 Auto Insurance Complaint Ratio = C- (1.15)
2014 US auto insurance premium = $612,610,051
2013 Auto Insurance Complaint Ratio = C+ (.76)
2013 US auto insurance premium = $528,694,270
2012 Auto Insurance Complaint Ratio = B (.70)
2012 US auto insurance premium = $450,042,266
Home State County Mutual Insurance Company has an about average auto insurance complaint record from 2012 to 2014, which is very good for a nonstandard auto insurance company.
The auto insurance market share for Home State County Mutual Insurance Company has increased quite a bit each year since 2012, which may indicate Home State County Mutual Insurance Company has competitive auto insurance rates in Texas.
5. Home State County Mutual Auto Insurance Review Summary
Here’s my summary to give you the bottom line on the customer service & rates for Home State County Mutual auto insurance, to see if the company perform better than average, average, or worse than average.
Home State County Mutual Auto Insurance customer & claims service as measured by its 2012-2014 complaint record:
Average
Although an insurance company’s complaint record can be particularly useful for identifying poor claims service & claims satisfaction, it should not be the only tool you use for choosing an auto insurance company. If you qualify only for nonstandard auto insurance, it can be very hard to find a company or subsidiary with a close to average complaint record, much less a car insurance company with a better than average customer complaint record.
Remember to consider GEICO if you qualify, and buying direct from Progressive as better possible options for you. However, if you are limited to the nonstandard auto insurance market, you should consider all the auto insurance companies available to you.
How does Home State County Mutual Auto Insurance compare to major auto or nonstandard auto insurance companies, like 21st Century, GEICO, Progressive, National General (formerly GMAC), Infinity, The General and others? Compare Home State County Mutual with over forty other companies at my home page: smartshopyourcarinsurance.com.
Home State County Mutual Auto Insurance Rates
For pricing, the most reliable way to know if your car insurance company charges too much is to conduct your own pricing survey, by obtaining price quotes from all the leading insurance companies in your state, to find the best company for you. However, a recent rapid increase or decrease in market share may indicate whether a company has higher or lower insurance rates for at least some people.
Based on its increased U.S. auto insurance market share since 2012, as measured by total auto insurance premiums collected by Home State County Mutual Insurance Company, as shown in Section #4 of this review, Home State County Mutual may have very competitive nonstandard auto insurance rates. Esurance partners with Home State County Mutual Insurance Company, so Texas residents can contact Esurance for an auto insurance quote, and if they don’t qualify for Esurance auto insurance, Esurance may quote them Home State County Mutual auto insurance. You can use the ads at the top & bottom of this review to contact Esurance.
It pays to shop. You may not have your choice of auto insurance companies with the best complaint records, but you can still see, among the companies willing to insure you, big variations in the prices they charge for the same coverage. In addition to Home State County Mutual Insurance Company, be sure to check with GEICO, Progressive, Infinity, Mercury, 21st Century, National General, Direct General, and others.
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