Home State Auto Insurance

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Company Details
Address:

4315 Lake Shore Drive, Suite J

City:
Waco
State:
TX
ZIP Code:
76710-1970
Phone Number:
+1-254-776-4521
Year Founded
1948
AM Best Rating:
A++
Company Rating 1 (4 reviews)

Things to Remember...
  • Home State insurance was originally chartered in 1948
  • Home State writes auto insurance policies for nonstandard drivers
  • Basic liability helps you pay for damage caused by an auto accident in which you are considered “at fault.”

This Home State auto insurance review explores Home State Insurance Group, Inc., headquartered in Waco, Texas.

They are now part of Berkshire Hathaway.

Originally chartered in 1948 during Harry Truman’s presidency, Home State Insurance Group includes the Equity Insurance Company and Home State County Mutual Insurance Company.

The company is located at 17762 Preston Road Suite 200, Dallas, Texas, 75252. Home State Insurance Group focuses on marketing and writing nonstandard auto insurance policies.

Comparing your Home State Insurance Group’s auto insurance rates can help you save money. Start by entering your zip code now to start the flow of completely free, no obligation auto insurance quotes!

Home State Insurance Group Substandard Auto Insurance

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Writing auto insurance policies for nonstandard drivers is a primary product of Home State Insurance Group.

Non-standard auto insurance helps high-risk drivers assume financial responsibility in the event of a car accident.

Auto insurance isn’t only to protect your car, passengers, and property. Basic liability helps you pay for damage caused by an auto accident in which you are considered “at fault.”

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Home State Auto Insurance and Teen Drivers

If you’re wondering what drivers are considered the highest risk category in Home State Insurance Group’s Texas marketplace, the answer is an easy one.

Teenaged drivers represent the highest risk category of all drivers in Texas. According to the Centers for Disease Control and Prevention, almost a third of teen deaths occur as the result of traffic or auto accidents.

In fact, drivers between the ages of 16 and 19 are about 400 percent more likely to be involved in a car crash that results in death than older adults.

About 350,000 teenagers received hospital emergency room treatment for injuries sustained in traffic accidents. Of that number, about 3,000 teenagers died as a result of the auto accident.

The following are statistics on teen drivers:

  • Teen drivers account for about 14 percent of drivers on the road.This age group is often driving at night while under the influence or impairment
  • Teenage male drivers are more likely to be involved in a serious auto accident than teenaged females.
  • The damage for which these young drivers are responsible is greater than 30 percent of auto insurance claims paid!

The statistics collected by auto insurance companies like Home State Insurance Group support the reasons for passing on high auto insurance premiums to teenaged drivers.

Teenaged drivers with teenaged passengers bear additional risks, according to auto insurance studies. Teenagers seem less likely to use seatbelts. They break the speed laws with greater frequency than other drivers.

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Home State Auto Insurance Group Agents

The company maintains an insurance marketing and distribution network composed of independent insurance sales brokers and agents.

Home State Insurance Group values relationships with independent sales professionals and wants to help their independent sales partners grow a thriving auto insurance sales practice.

Interested auto insurance sales agents and brokers may contact the company for more information about selling Home State auto insurance products and services.

Home State Insurance Group and TexasSure

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Home State Insurance Group upholds the Texas Department of Insurance “TexasSure” customer contact system. TexasSure’s goals include identifying uninsured drivers in the state.

Uninsured or underinsured drivers cost insurance companies (and their insured drivers) money each year.

Home State Insurance Group also cares about their insured policyholders’ privacy. The company outlines the processes used to safeguard client financial information on the website.

Home State Insurance Group Customer Service

Home State Insurance Group wants the opportunity to satisfy their customers, and they offer customers 24-hour claims reporting privileges. According to the Texas Department of Insurance, Home State Insurance Group has no outstanding customer complaints.

If you’ve done business with any auto insurance company for a year or more, perhaps you’re already seeing higher auto insurance rates.

If you haven’t been involved in an auto accident, moving violation, or gotten a ticket, you may ask why you’re asked to pay higher insurance rates.

That’s why comparing your auto insurance rates with quotes offered by other insurance companies can help you save now! Use our fast, free comparison tool today! Enter your zip code below to get started!

4 Reviews

  1. John Griggs May 27, 2015
  2. eliete May 17, 2016
  3. dave May 15, 2017
  4. Jeff August 23, 2017

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