Texas Heritage Auto Insurance Review (2020)

Texas Heritage, part of The Germania Farm Mutual Insurance Company, offers insurance including auto, home, and umbrella liability policies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 24, 2020

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It’s all about you. We want to help you make the right coverage choices.

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Company Details
Address: 507 Highway 290 E
City: Brenham
State: TX
ZIP Code: 77833
Phone Number: 1-800-392-2202
Year Founded: 1896
AM Best Rating: B++
Company Rating 0 (0 reviews)

Things to Remember...

  • Texas Heritage is part of The Germania Companies, a group founded by Texan farmers in 1896
  • Texas Heritage combines resources with its parent and sister companies to provide greater financial strength
  • Texas Heritage offers a variety of insurance products including auto, home, and umbrella liability policies

This Texas Heritage Auto Insurance Review explores Texas Heritage Insurance Company, which is part of The Germania Companies.

Texas Heritage’s parent company, The Germania Farm Mutual Insurance Company (GFMIA), was founded in 1896 by Central Texas farmers in Perry, Texas.

The original premise of the company remains steadfast today: by combining resources, members of the organization had access to greater financial strength. 

Texas Heritage and The Germania Companies offer automobile coverage, and other property & casualty insurance coverage, including home, property, umbrella liability, and other customized insurance policies.

The company also offers the Germania Credit Union and serves members with a broad spectrum of deposit products and financial services.

Just type in your home zip code location to request auto insurance quotes from other interested auto insurance companies now!

Texas Heritage Auto Insurance Members

The company’s parent serves approximately 187,000 members in Texas.

Texas Heritage Auto Insurance provides insurance coverage to drivers with good driving records, no accidents or claims within a 3-year period, and an average or better vehicle exposure record.

Texas Heritage Auto Insurance doesn’t insure non-standard or high-risk drivers.

Texas Heritage Auto Insurance offers coverage through Germania Insurance Company, as well as subsidiary companies Germania Fire & Casualty and Germania Insurance Company.

The company offers discount programs to reduce the cost of auto insurance.

Drivers may obtain auto insurance discounts through multiple car policies, defensive driving courses, anti-theft devices, and operator maturity.

To learn about these opportunities to pay less on your Texas Heritage auto insurance, contact an agent.

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Texas Heritage Auto Insurance Customer Service

According to the company’s website, policyholders can make secure payments through EFT, eCheck, or Quick Pay, print auto ID cards, or review policy information 24/7, 365 days a year.

Two new minimum auto insurance limits were increased in 2010, according to Texas State law.

Agents have private access through a company website portal.

In 2010, the company designed and distributed promotional “sales kits” to field agents to assist them in writing additional business.

The “cross-sell” sales strategy helps agents to sell clients across auto, property and life insurance lines. 

A combined strategy of direct mail, postcards, door hangers, and statement stuffers helps agents write multiple coverage policies.

Don’t wait to know if you’re paying too much for auto insurance! Start right now by providing your zip code to get fast and free information on competitive auto insurance rates.


  1. https://www.texasheritageinsurance.com/
  2. https://www.germaniainsurance.com/
  3. https://www.germaniacreditunion.com/
  4. https://www.nsc.org/learn/Safety-Training/Pages/defensive-driving-driver-safety-training.aspx
  5. https://www.eftps.gov/eftps/

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