Hochheim Prairie Insurance Review & Complaints: Auto, Home,Business & Farm Insurance (2023)

Texas-based Hochheim Prairie Insurance of Texas is a homegrown company that has remained small but steady over more than 100 years in business. It offers a basic lineup of personal and business insurance options.

Our review will cover everything you need to know, from rates to coverage options and more.

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What is Hochheim Prairie Insurance Company?

Hochheim Prairie Mutual Farm Insurance Association and Hochheim Prairie Casualty Insurance Company are the two branches of the company that was founded in the small farming community of Hochheim in 1892. The company grew over the decades from its roots as a farm insurer to provide a selection of products across the state. It is a community company, as evidenced by the Hochheim Prairie Insurance scholarship the company offers.

The company’s website has an outdated feel that gives the impression it still holds to the older ways of doing things; that is an attitude that is not uncommon among small insurance companies that rely on word of mouth and face to face sales the same way it has since it was founded. The website does, however, offer modern conveniences like online bill payment.

Hochheim’s headquarters is located in Yoakum, Texas, and it sells policies through independent agents throughout the state.

What types of insurance products are offered?

The list of products offered is fairly basic: Hochheim writes home insurance, auto insurance, business insurance options, and farm insurance as their main lines.

Auto Insurance Protection

The affordable auto insurance program is a standard policy that covers liability insurance coverage, comprehensive, and collision, along with several options that can be added on as needed. From what little information the site offers, there are not a lot of bells and whistles to the program – which is not necessarily a bad thing.

The insurer has a 24/7 glass repair program that it runs directly, and not through a glass company as do many other insurance companies. They even offer mobile service.

It also offers a good but basic list of common discounts that include multi-policy, safety features, and good driver discounts.

Home Insurance

The home insurance program is available to cover a number of different types of home. In addition to standard single-family affordable home insurance, it also covers:

• Mobile and manufactured homes
• Multi-family homes
• Builder’s Risk
• Modular homes

It is very important to note that these are not complete package policies.

While most homeowner’s insurance policies include liability, Hochheim’s do not. Instead, in a highly unusual move, they sell liability insurance as a separate policy that can be added on. Liability insurance is a vital part of a complete home insurance package, and we highly recommend purchasing this coverage.

Farm and Ranch Building, Machinery, and Equipment coverage can also be added as an extra endorsement. This is treated as an add-on to home insurance rather than a separate product.

Small Business Insurance

The company offers package policies for a variety of small businesses, particularly family-owned businesses.

Among the types of businesses that can be insured are:

• Professional Offices
• Retail
• Restaurants
• Service industry
• Bed and Breakfast
• Multi-family and garden apartments

Are insurance rates competitive?

We are not surprised to see that Hochheim does not have an option for online quoting. This type of company tends to operate on a personal basis and relies on agents and referrals to bring in new business rather than internet searches and quotes.

In general, we do not typically expect smaller companies to have the best rates – at least not in comparison to the major direct sales insurers. The value in these policies is added in the personal service offered by the agent, and hopefully by great claims handling.

How are insurance claims processed?

Backing up our insurance agent-driven view of this company is the recommendation that claims should first be directed to your agent. There is also an after-hours toll-free line that can be called to report a claim when the agent’s office is not open.

There is a list of claims representatives in each area of the state, along with phone numbers and what appears to be a shared email address. The somewhat confusing instructions, however, seem to indicate that these people will contact the insured after the claim is filed through the agent – and should not be contacted directly to file a claim.

Since agent office hours may vary, and the ability to get a hold of the agent even during those office hours will also vary, this system leaves some gaps in the ability of the customer to reach someone in regards to their claim at all hours of the day. This is not an unusual problem with small insurance companies, but in the modern age will likely frustrate those who have become accustomed to constant and immediate access to assistance.

Are the company’s reviews and ratings positive?

Hochheim has an A+ rating with the Better Business Bureau (BBB), and there is only one complaint on file in the past three years. That single complaint was closed in the past three months.

We are not the least bit surprised that we found very little in consumer reviews for this company. With a company that does not operate heavily online, we also find customers that are not as likely to write a review online.

What states does Hochheim Prairie Insurance do business in?

Hochheim Prairie Insurance sells car and homeowners insurance in 1 state. See the state Hochheim Prairie Insurance sells in below and click the link to see how Hochheim Prairie Insurance compares to the other top companies in that state.

Hochheim Prairie Insurance Review: What’s the bottom line?

There does not seem to be any red flags when reviewing Hochheim, but there is also a general lack of detailed information that makes it hard to form a solid opinion. Hochheim is likely to appeal to people who like local, agent-run insurance where things are handled by traditional, old-school methods.

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