Houston General Insurance Exchange: Customer Ratings & Reviews [2024]

Explore reliable insurance coverage tailored to your needs with Houston General Insurance Exchange - a trusted provider offering comprehensive solutions for individuals and businesses.

UPDATED: Dec 10, 2023

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: Dec 10, 2023Fact Checked

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

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: Dec 10, 2023

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: Dec 10, 2023

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: Dec 10, 2023

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: Dec 10, 2023Fact Checked
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Houston Generalsurance Exchange

Average monthly rate for good drivers:

$121

A.M. Best rating:

A- (Excellent)

Complaint level:

Low

Pros

  • Wide range of insurance products
  • Competitive pricing
  • Excellent customer service
  • Discounts available for bundling policies
  • Rewards program for safe driving
  • Customizable coverage options

Cons

  • Limited availability in some states
  • Online quote tool may not provide the most accurate pricing information

Final Verdict: Review of Houston Generalsurance Exchange

Houston General Insurance Exchange is an insurance company that offers a wide range of insurance products to meet the needs of individuals and businesses. With an A- (Excellent) rating from A.M. Best, Houston Generalsurance Exchange provides reliable coverage at competitive prices.

Their commitment to customer satisfaction and innovative solutions, such as their rewards program for safe driving, make them an excellent choice for anyone looking for comprehensive insurance coverage.

Although their online quote tool may not always provide the most accurate pricing information, their customer service team is available to help answer any questions and provide personalized quotes tailored to your specific needs. With a low complaint level, Houston Generalsurance Exchange has a solid reputation for providing reliable coverage and excellent customer service.

Houston General Insurance Exchange is a premier insurance company that offers comprehensive insurance solutions for individuals and businesses alike. They provide a wide range of insurance policies to meet the diverse needs of their customers. Whether you need insurance for your home, car, or business, Houston General Insurance Exchange has got you covered. In this article, we will explore the company's history and mission, the different types of insurance policies they offer, the cost of those services, and the states where their services are available. We will also discuss the various discounts available to customers and summarize customer reviews of the company.

What You Should Know About Houston Generalsurance Exchange

Company Contact Information

Houston General Insurance Exchange can be reached through the following methods:

Related Parent or Child Companies

  • Houston General Insurance Exchange is a subsidiary of Arctos Holdings, LLC.

Financial Ratings

  • Houston General Insurance Exchange has an A+ rating with the Better Business Bureau (BBB) and an AM Best financial strength rating of B++.

Customer Service Ratings

  • According to customer reviews on the BBB website, Houston General Insurance Exchange has an overall customer satisfaction rating of 2.5 out of 5 stars.

Claims Information

Customers can file claims with Houston General Insurance Exchange through the following methods:

  • Phone: (713) 224-3426
  • Email: [email protected]
  • Mailing address: Houston General Insurance Exchange, P.O. Box 16847, Houston, TX 77222

Company Apps

  • Houston General Insurance Exchange offers a mobile app for iOS and Android devices. The app allows customers to access policy information, make payments, file claims, and contact customer service.

Houston Generalsurance Exchange Insurance Coverage Options

Houston General Insurance Exchange offers a wide range of insurance coverage options to meet the diverse needs of their customers. Some of the coverage options include:

  • Auto Insurance: Provides liability and property damage coverage for your vehicle, as well as coverage for injuries to you and your passengers.
  • Home Insurance: Provides coverage for your home and personal belongings in the event of damage or theft.
  • Renters Insurance: Provides coverage for your personal belongings in a rental property in the event of damage or theft.
  • Business Insurance: Provides coverage for businesses of all sizes, including liability coverage, property damage coverage, and workers’ compensation insurance.
  • Life Insurance: Provides financial support to your loved ones in the event of your death.
  • Health Insurance: Provides coverage for medical expenses, including doctor visits, hospital stays, and prescription medications.
  • Pet Insurance: Provides coverage for veterinary expenses for your furry friends.
  • Flood Insurance: Provides coverage for damage to your property caused by flooding.
  • Umbrella Insurance: Provides additional liability coverage beyond what is provided by your other insurance policies.

With these coverage options, Houston Generalsurance Exchange provides comprehensive insurance solutions to protect their customers’ assets and provide peace of mind.

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Houston Generalsurance Exchange Insurance Rates Breakdown

Driver ProfileHouston General Insurance ExchangeNational Average
Clean Record$130$119
1+ Ticket$160$147
1+ Accident$190$173
DUI$218$209
Poor Credit$224$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

Houston Generalsurance Exchange Discounts Available

DiscountHouston General Insurance Exchange
Anti Theft15%
Good Student20%
Low Mileage22%
Paperless8%
Safe Driver20%
Senior Driver10%

Houston Generalsurance Exchange offers various discounts to help customers save money on their insurance premiums. These discounts include:

  • Safe Driver Discount: Rewards customers who have a good driving record with lower premiums.
  • Multi-Policy Discount: Offers a discount to customers who have multiple insurance policies with Houston Generalsurance Exchange.
  • Homeowner Discount: Provides a discount to customers who own their home and also have homeowners insurance with the company.
  • Good Student Discount: Offers a discount to student drivers who maintain good grades in school.
  • Military Discount: Provides a discount to active-duty military members and veterans.
  • Senior Discount: Offers a discount to senior citizens who are 55 years of age or older.
  • Pay-in-Full Discount: Provides a discount to customers who pay their insurance premiums in full.
  • Paperless Discount: Rewards customers who sign up for paperless billing and receive their insurance documents electronically.

By offering these discounts, Houston Generalsurance Exchange aims to provide affordable insurance coverage to their customers while maintaining high levels of service and support.

How Houston Generalsurance Exchange Ranks Among Providers

As an insurance company, Houston Generalsurance Exchange operates in a highly competitive market. Some of the company’s main competitors include:

  • State Farm: State Farm is one of the largest insurance companies in the United States, offering a wide range of insurance products, including auto, home, life, and health insurance. With a strong financial rating and a large network of agents, State Farm is a popular choice for customers looking for reliable coverage and personalized service.
  • Allstate: Allstate is another large insurance company that offers a variety of coverage options, including auto, home, and life insurance. Known for their advertising campaigns and innovative tools, such as their Drivewise program, Allstate is a popular choice for customers looking for cutting-edge insurance solutions.
  • Geico: Geico is a well-known insurance company that specializes in providing auto insurance coverage at competitive prices. With a strong online presence and a reputation for offering affordable coverage, Geico is a popular choice for drivers looking for basic auto insurance coverage.
  • Progressive: Progressive is a popular insurance company that offers a wide range of coverage options, including auto, home, and business insurance. Known for their quirky advertising campaigns and innovative tools, such as their Snapshot program, Progressive is a popular choice for customers looking for unique insurance solutions.

While Houston Generalsurance Exchange faces strong competition from these companies, they have established themselves as a top-performing insurance provider through their commitment to customer satisfaction, competitive pricing, and innovative solutions such as their rewards program for safe driving.

Frequently Asked Questions

How can I access customer ratings and reviews for Houston General Insurance Exchange?

To access customer ratings and reviews for Houston General Insurance Exchange, you can visit their official website or online platforms that specialize in insurance company reviews. Additionally, you can check with independent consumer watchdog organizations or consult with insurance agents who may have insights into customer experiences.

Are customer ratings and reviews important when choosing an insurance company?

Yes, customer ratings and reviews can provide valuable insights into the experiences of policyholders with Houston General Insurance Exchange. They can help you gauge the company’s customer service quality, claims handling efficiency, and overall satisfaction.

Can I rely solely on customer ratings and reviews to make my decision about Houston General Insurance Exchange?

While customer ratings and reviews can offer helpful information, it’s not advisable to base your decision solely on them. It’s crucial to consider other factors such as coverage options, policy terms, pricing, financial stability, and the company’s reputation within the insurance industry. A balanced evaluation that incorporates multiple sources of information is recommended.

How can I assess the credibility and authenticity of customer ratings and reviews?

When evaluating customer ratings and reviews, it’s essential to consider their credibility and authenticity. Look for platforms that have robust review moderation systems in place to ensure genuine feedback. Check if the reviews provide specific details about the policyholder’s experience and are not overly generalized or biased.

Can I submit my own review for Houston General Insurance Exchange?

The ability to submit reviews for Houston General Insurance Exchange may vary depending on the platforms you visit. Generally, dedicated review websites or the company’s official website may provide options for customers to share their experiences. Ensure you follow the guidelines and provide accurate information while sharing your review.

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Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

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.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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