Home State County Mutual Insurance Company: Customer Ratings & Reviews [2024]

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.

UPDATED: Jan 19, 2024Fact Checked

Daniel Walker

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...

Licensed Insurance Agent

Kristen Gryglik

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,...

Licensed Insurance Agent

UPDATED: Jan 19, 2024

Advertiser Disclosure

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: Jan 19, 2024

Advertiser Disclosure

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.

UPDATED: Jan 19, 2024Fact Checked
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Home State County Mutual Insurance Company

Average monthly rate for homeowners:

$83

A.M. Best rating:

N/A

Complaint level:

Low

Pros

  • Specialized Auto Insurance
  • Multiple Insurance Offerings
  • Diverse Discounts
  • Ease of Claims Filing
  • Digital Innovation

Cons

  • Limited Information Accessibility
  • BBB Rating and Complaints
  • Limited Financial Strength Ratings
  • Mixed Customer Reviews
  • Lack of Transparency on Website

Final Verdict: Review of Home State County Mutual Insurance Company

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.

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

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.

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Home State County Mutual Insurance Rates Breakdown

Driver ProfileHome State County Mutual Insurance CompanyNational 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

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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
StatesAverage Annual Liability RatesAverage Annual Collision RatesAverage Annual Comprehensive RatesAverage 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

DiscountHome State County Mutual Insurance Company
Anti Theft8%
Good Student10%
Low Mileage12%
Paperless5%
Safe Driver10%
Senior Driver5%

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.

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

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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Daniel Walker

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...

Licensed Insurance Agent

Kristen Gryglik

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,...

Licensed Insurance Agent

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.

Reviews
for Home State County Mutual

2.10 (3 reviews)
1
October 9, 2023

Reed-a

Awful agents

[REDACTED NAME] [REDACTED NAME] was absolutely awful to talk with. She made unnecessary comments during the phone call. Had an attitude and snappy while talking. Made me feel like she was taking a bad day out on me. Was very aggressive the entire time.
1
September 30, 2023

axt20004

My experience with this insurance company

I was hit by one of their insurance holders on the way to college. To give a little bit of background at the time of the accident I was 17 years old, paying for my own college through a barista job I had. The adjuster got back to me about my claim a couple days after contacting them through my insurance Geico. Promised me full recovery of my car (as I was hit on the highway and the back of my car was completely bashed through). I never even charg...
I was hit by one of their insurance holders on the way to college. To give a little bit of background at the time of the accident I was 17 years old, paying for my own college through a barista job I had. The adjuster got back to me about my claim a couple days after contacting them through my insurance Geico. Promised me full recovery of my car (as I was hit on the highway and the back of my car was completely bashed through). I never even charged them for my health expenses as I hit my head but it wasn't too expensive to get treatment. After I took my car to my dealership of choice, they argued with that dealership for five months, because they were unwilling to pay the full amount. At first they asked me to pay 3000 dollars out of pocket, then it went down to 2000. Again, I was a teenager college student living off of a minimum wage job. After much argument, they cut me off completely, leaving me with no rental, no car and no money to pay off the car that has been completely taken apart by the dealership. I lost my job as I had no car to travel and ubering was getting very expensive. I remember crying everyday and not knowing how to pay for my broken car. Finally, the dealership people realized just the mental toll that this situation was taking on me, and they fixed my car within the money they had been provided by the insurance. As even they took kindness upon a first generation immigrant student. I never got my job back. I am alright now, got an internship and am doing well in college. But for the people that put me through this, I hope every single one of you and your children feel what it felt like to me during those months. I hope you also suffer this way when you did absolutely nothing wrong.
1
May 3, 2021

Ashley

Home State review

Completely non-existent customer service!! A Home State policy holder hit my car 21 days ago. I filed a claim the same day and still have not had a single conversation with the adjuster, or anyone else who is able to authorize repairs on my car. I have called the adjuster and her supervisor every single day, leaving voicemails, in addition to the main phone # for the insurance company and cannot get a response. I have never experienced such a lac...
Completely non-existent customer service!! A Home State policy holder hit my car 21 days ago. I filed a claim the same day and still have not had a single conversation with the adjuster, or anyone else who is able to authorize repairs on my car. I have called the adjuster and her supervisor every single day, leaving voicemails, in addition to the main phone # for the insurance company and cannot get a response. I have never experienced such a lack of service! Unspeakable!
1
July 13, 2020

ddktexas

Home State review

TERRIBLE COMPANY - will be filing complaint with BBB and talking to a lawyer. 3 weeks ago their customer hit my truck because he was on the phone while leaving work. I FINALLY got an adjuster's name and number. Despite repeated messages he has NOT called me back. Meanwhile my truck is still damaged. TOTAL CROCK!!! God help anyone that gets hit by one of their customers!!!!
5
December 21, 2018

jeweleebug

Speed and Care of Service to myself and others

Recently had an accident and was handled quickly and with care. Very quick settlement despite accident happening right before Thanksgiving.
1
August 22, 2017

Jeff

Home State review

One of their clients hit my car in the rear over a month ago. Even the adjuster who came out said that their client's story was not adding up. Caroline at Equity Insurance at first said the story was not adding up from their client and she was doing everything she could do to get us paid. The police report states that their client's story did not add up but they denied our claim. Do Not Get Hit By Their Clients Because They Do not pay!!
1
May 15, 2017

dave

Home State review

This company is a scam. Their client caused a major accident involved 4 vehicles including mine. I called their number on the police report. They gave the run around and basically refuse to give the claim number so I can get a rental and get my car. They said the adjuster will come out to see me and will give me the claim number and it was 4 weeks ago. I called and called, but they never return my messages. In the meantime, my car is not driva...
This company is a scam. Their client caused a major accident involved 4 vehicles including mine. I called their number on the police report. They gave the run around and basically refuse to give the claim number so I can get a rental and get my car. They said the adjuster will come out to see me and will give me the claim number and it was 4 weeks ago. I called and called, but they never return my messages. In the meantime, my car is not drivable, and I'm on the hook for the rental. They are selling insurance to non-standard drivers, meaning their clients are high risks and not qualify for standard insurance. THIS COMPANY IS NOTHING BUT SCAMMERS. I'd give them negative 5 stars.
1
May 17, 2016

eliete

Home State review

Bad, bad, bad, bad company. Bad customer service, bad adjusters, everything is bad. Their client hit me 3 weeks ago and they say they are not able to contact her. LIE. She called them in front of me and left a message (the only option we have is to leave a message, they NEVER answer the phone) and they do not call us back. when I managed to speak with them, they were very rude. they don't care about your situation. they don't care if it is the...
Bad, bad, bad, bad company. Bad customer service, bad adjusters, everything is bad. Their client hit me 3 weeks ago and they say they are not able to contact her. LIE. She called them in front of me and left a message (the only option we have is to leave a message, they NEVER answer the phone) and they do not call us back. when I managed to speak with them, they were very rude. they don't care about your situation. they don't care if it is their client's fault you don't have a vehicle to drive around. DO NOT MAKE BUSINESS WITH THEM. you will regret so bad.......
1
May 27, 2015

John Griggs

Home State review

When you call and leave a voicemail and then they do not return calls.
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