Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 22, 2020

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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.

Company Details
Address: 10777 NW Freeway, Suite 800
City: Houston
State: Texas
ZIP Code: 77092
Phone Number: (713) 681-2500
Year Founded: 1969
AM Best Rating: No rating
Company Rating 0 (0 reviews)

Things to Remember...

  • Harco National was established in 1969
  • HARCO Insurance Services offers a wide range of products to consumers and businesses
  • Auto insurance through HARCO may include the minimum liability insurance required by most states

This Harco National auto insurance review will focus on HARCO Insurance Services located in Houston, Texas. The company was established in 1969.

HARCO Insurance Services is an insurance agency offering products from several car insurance companies. The agency is located in Houston, Texas. It is unknown if they are able to provide insurance products outside the state of Texas.

The insurance carriers that are used through HARCO Insurance Services include Foremost and Progressive. A full list of these carriers can be found on the website.

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Harco National Auto Insurance Products

HARCO Insurance Services offers a wide range of products to consumers and businesses. In addition to the standard insurance products for personal and business use, HARCO also provides financial and risk management services.

HARCO offers standard insurance products as well as rare insurance products for consumers. Some insurance coverage that is available includes computer equipment and musical instruments.

Financial services for consumers include retirement and health savings accounts. For businesses, they are able to provide 401k and medical insurance plans.

Auto insurance through HARCO may include the minimum liability insurance required by most states. The liability insurance is to protect you from lawsuits or having to pay for damages and medical expenses that occur to the other party in an accident caused by you.

Comprehensive and collision coverage is also available. Collision covers the damage to your vehicle that happens as a result of an accident with another vehicle or object. Comprehensive insurance takes care of damages that happen as a result of anything other than a collision.

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Harco Options

Optional coverage is available for auto rental and towing. HARCO Insurance Services may also cover your sound system or camper-trailer for a larger insurance premium. More information can be found by contacting an agent.

HARCO Insurance Services gives you the option to choose which deductible you want. The higher the deductible, the more you will save on your insurance premium.

If you decide to go with a smaller deductible, you will have to pay a larger insurance premium. The deductibles run between $100 and $1,000.

HARCO National Auto Insurance Services Discounts

HARCO Insurance Services offers several auto insurance discounts to qualifying consumers:

  • Good drivers: Those with excellent driving records will receive a cheaper insurance premium
  • Multiple cars: Multi-car discounts are available if you are going to insure more than one vehicle
  • Over 55: Those who are over 55 and work less than 20 hours per week will also be eligible for discounts
  • Defensive drivers: You can save money on your policy by taking a defensive driving course

For more information regarding discounts, visit the website or contact an agent.

HARCO National Auto Insurance Services Customer Service

HARCO Insurance Services offers many online conveniences to customers. You can file a claim online. There are several resources available to tell you what is required. There are forms available to make changes to your policy.

As an independent insurance agency, you will end up with a specific insurance carrier that you can also contact for customer service support. In some instances, you may be better off by contacting the insurance carrier directly.

Depending on which carrier you end up with, they may have 24-hour customer service available to consumers.

In the case of an emergency, HARCO does recommend that you contact the insurance carrier directly.

HARCO does not have 24-hour customer service. More information can be found by researching the potential carriers or contacting a HARCO Insurance agent.

During storm season, HARCO Insurance Services may not be able to bind new coverage for consumers. If there is a tropical storm in the area, the insurance carriers have restrictions regarding new coverage for consumers in these areas.

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HARCO National Auto Insurance Services Reviews

HARCO Insurance Services is not rated by AM Best. The company is also not listed on the Better Business Bureau. There are no reviews available online.

This indicates that the company is a small agency that provides products specifically to residents of Texas.

The website is not clear as to whether or not they are able to offer products to other states.

They have been in operation since 1969. This shows that they likely have a strong clientele base to have stayed in business for this period of time.

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