Arbella Insurance Review & Complaints: Auto, Home & Business Insurance (2024)
Arbella Insurance is a great insurance provider for those who prefer to work with smaller, regional insurance companies. Our Arbella Insurance review finds the company with an A+ rating from the Better Business Bureau, but the Arbella Insurance claims office comes with mixed reviews from customers, leaving the company with a 2-star rating on Yelp.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Mar 10, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Mar 10, 2024
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 companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Based in Massachusetts, Arbella Insurance provides personal and commercial insurance plans in four New England states. They have been in business for 30 years and remain focused on the needs of the region they serve.
Spending hours of your time shopping for insurance may seem like a strange thing to do, but it can actually save you money in the long run. By looking at quotes from various companies, you can find excellent customer service, and costs that fit into your budget while still providing you with quality coverage. There’s more to the insurance experience than just cheap rates. Shopping around can lead you to the best companies.
If you need to compare insurance companies, we offer a free online comparison tool that can help you.
About Arbella Insurance
Arbella Insurance was founded in 1988 in Quincy, Massachusetts. They offer auto insurance, home insurance, and business insurance in Massachusetts and Connecticut and business insurance in New Hampshire and Rhode Island.
In 2005 the company created the Arbella Insurance Foundation to support a variety of charitable causes. These include nonprofit organizations such as the New England Center for Homeless Veterans and Arbella’s own Let’s Drive Out Hunger program.
Arbella sells all of its products through independent insurance agents across the service area and is committed to the agent-driven system of selling insurance. They also present themselves as deeply committed to the communities they serve, evidenced by both charitable donations and employee volunteer efforts.
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What are Arbella Insurance products?
Arbella Insurance Group writes the basics of personal insurance in two states and also offers business insurance coverage in four states.
Auto Insurance
Arbella offers a comprehensive car insurance program in Connecticut and Massachusetts. In addition to the basics, they also offer a list of options and standard coverages that include some of the biggest trends in car insurance.
Disappearing Deductible Rewards Plus is a package endorsement that not only reduces or eliminates your deductible as a reward for three years of claim-free driving, it also covers accidental airbag discharge and rental loss of income. That is a bit of an unusual grouping of coverages, and the disappearing deductible is a bit on the gimmicky side although it is a common endorsement at bigger companies.
The Customer Care package includes new vehicle replacement, enhanced rental car coverage, enhanced roadside assistance, and more. The website states this is offered at no charge on qualifying policies, but it does not say what the qualifications are.
Also available as endorsements are accident forgiveness, pet protection, personal property coverage, snowplow coverage, and an OEM parts endorsement. Availability of these varies by state.
Arbella offers their Wheel Focused app, which appears to operate like many usage-based driver habit tracking apps with the exception that it does not seem to provide any discount. The website simply states that it can be used to get feedback on your driving habits, and also says it can be used regardless of which company carries your insurance.
In addition to car insurance, Arbella also writes coverage for motorcycles.
Carpartment
Carpartment is a rather unique bundle option from Arbella that offers a combination of auto and renters insurance.
This bundle adds renters insurance onto an auto insurance policy, for what the website states comes out to as little as $3 a week. In reality, it is a bundle like any other, offering a reduced rate on renter’s coverage when you take out your auto with Arbella. As far as we can tell it does not really differ from any other auto/renter’s insurance bundle out there.
Home Insurance
Arbella writes home insurance for single-family homes, condos, and rental properties (and, as noted above, for renters too). Coverage is again available in Connecticut and Massachusetts.
The base policy includes coverage for structures, personal property, and liability, and has the option to increase limits and replacement cost coverage to customize the policy. Add-ons include the Home Systems Protection endorsement and Home Cyber Protection.
Arbella’s rental property program provides the coverage specifically needed by landlords to protect against the risks inherent in renting out your home.
Read more: Best Massachusetts Home Insurance
Umbrella Insurance
Arbella’s personal umbrella insurance policy is offered with limits ranging from $1,000,000 up to $5,000,000.
The policy is designed to provide extended liability coverage above and beyond the limits on underlying Arbella home and auto policies.
Business Insurance
Available in all four states Arbella covers, business insurance is offered as package policies and with a la carte options.
Available programs for business are:
- Commercial car and truck
- Business owner package
- Commercial package
- Worker’s compensation
- Commercial umbrella
- Crime and identity theft
- Inland marine
- Data breach and cyber
- Loss control services
A wide variety of business types can qualify for coverage, including retail, wholesale, contractors, and more.
How can you get rates from Arbella?
Arbella is dedicated to the agent model and therefore does not offer online quoting. They defend this decision by stating on the website that they believe an agent can provide a more accurate quote based on the coverage each person really needs. There is an easy to use agent locator on the website.
Although smaller companies that rely on agents do not often compete well in terms of rates with large national companies, Arbella does offer a good list of discounts that may bring rates down to a more competitive level.
Claims Process With Arbella Insurance
Ease of Filing a Claim
Arbella Insurance offers multiple channels for customers to file claims, ensuring flexibility and convenience. Policyholders can file claims through the company’s user-friendly online portal, which streamlines the process and allows for easy submission of necessary documents.
Additionally, Arbella provides a toll-free phone number for customers who prefer to initiate their claims over the phone. For tech-savvy individuals, the company offers a dedicated mobile app that simplifies the claims reporting procedure and provides step-by-step guidance. This variety of options caters to the diverse preferences of their customer base.
Average Claim Processing Time
Arbella Insurance strives to process claims efficiently to minimize inconvenience for policyholders. While specific processing times may vary depending on the nature and complexity of each claim, the company typically processes claims within a reasonable timeframe.
On average, most claims are reviewed, evaluated, and resolved within 7 to 10 business days. This prompt handling of claims demonstrates Arbella’s commitment to customer satisfaction and swift resolutions.
Customer Feedback on Claim Resolutions and Payouts
Arbella Insurance’s approach to claim resolutions and payouts has garnered mixed reviews from customers. While some policyholders have expressed satisfaction with the company’s promptness and fairness in settling claims, others have reported less favorable experiences.
Common positive feedback highlights the company’s willingness to work closely with claimants and provide fair compensation. However, a portion of customers has raised concerns about delays in processing claims and disputes over coverage.
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Digital and Technological Features at Arbella Insurance
Mobile App Features and Functionality
Arbella Insurance offers a comprehensive mobile app that empowers policyholders with convenient access to their insurance accounts. The app boasts a range of features, including the ability to file claims directly from a mobile device, view policy details, and track the status of ongoing claims.
Customers can easily manage their policies, request changes, and access digital ID cards for added convenience. The mobile app also provides access to real-time information, enabling users to stay informed about their coverage and payment status.
Online Account Management Capabilities
Arbella Insurance provides a robust online account management platform, allowing policyholders to take control of their insurance accounts with ease. Through the company’s website, customers can log in to their accounts to review policy information, make payments, and update personal details.
The platform offers a user-friendly interface that simplifies policy management tasks. Policyholders can request policy documents, access billing information, and enroll in paperless billing for added convenience. This online portal enhances transparency and accessibility, enabling customers to navigate their insurance needs efficiently.
Digital Tools and Resources
Arbella Insurance equips customers with a variety of digital tools and educational resources to support their insurance journey. The company’s website features informative articles, guides, and frequently asked questions (FAQs) to address common inquiries.
Customers can access these resources to gain insights into insurance-related topics, such as coverage options and policy terminology. Additionally, Arbella offers online tools to generate insurance quotes, helping individuals explore coverage options and estimate costs.
What are their ratings and consumer reviews?
Arbella has an A+ rating with the Better Business Bureau (BBB), and there are a total of 11 complaints on file in the past three years. This is quite a low complaint volume for a company of this size.
On Yelp we found more reviews – a total of 52 for an overall 2-star rating. Most of the complaints center on claims issues, with some billing issues mixed in. Common complaints include slow response time on claims. There are a few positive reviews here as well, and Arbella appears to take the time to respond to all reviews, both positive and negative. A company responding to reviews is always a mark in a company’s favor in spite of the fact that the number of complaints here is a little higher than we like to see for a smaller company.
What’s the bottom line?
Arbella is a small, regional company that may appeal to those who prefer to work with a local agent and a local insurer. Without rates, it is hard to compare them for value, but they do appear to have some good programs, albeit with a few gimmicks thrown in. They might work out well for those that qualify for multiple discounts, but be sure to compare rates from multiple companies before committing to one.
Don’t forget about our comparison tool, which will help you in your search for quotes.
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Frequently Asked Questions
What is Arbella Insurance?
Arbella Insurance is a regional insurance company that offers personal and commercial insurance products, including auto, home, and business insurance. The company operates primarily in Massachusetts, Connecticut, Rhode Island, and New Hampshire.
What types of personal insurance does Arbella offer?
Arbella offers a range of personal insurance products, including auto, home, condo, renters, and umbrella insurance.
What types of commercial insurance does Arbella offer?
Arbella offers a variety of commercial insurance products, including general liability, property, commercial auto, workers’ compensation, and umbrella insurance.
How do I get a quote from Arbella?
You can get a quote from Arbella by visiting their website or by contacting an Arbella agent directly.
Does Arbella offer discounts on their insurance products?
Yes, Arbella offers a variety of discounts on their insurance products, including multi-policy discounts, safe driver discounts, and more.
How do I file a claim with Arbella?
You can file a claim with Arbella by visiting their website or by contacting their claims department directly. They also have a mobile app that allows you to file and track your claim.
What is Arbella’s customer service like?
Arbella has received mixed reviews for their customer service. Some customers have reported positive experiences, while others have complained about slow response times and poor communication.
Is Arbella a financially stable company?
Yes, Arbella is a financially stable company with a strong financial rating from A.M. Best, a leading credit rating agency. This indicates that they have the financial resources to pay out claims to their policyholders.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.