Choosing the right insurance company is an important decision that requires careful research. I recently evaluated State National Insurance Company to see if they would be a good option for my needs. In this article, I’ll share what I learned from reading State National reviews, looking at their ratings, and examining their products and services.
Overview of State National Insurance Company
State National Insurance Company provides specialty insurance solutions for niche markets. They work with independent agents and brokers to offer property casualty program business, and excess and surplus lines insurance. Some of their focus industries include aviation, commercial transportation, construction, energy, equine, and marine.
State National is headquartered in Texas and has been in business since 1973. They are rated A- (Excellent) by A.M. Best and underwent a management buyout in 2021 by a group of their senior leaders. The company strives to provide policyholders with flexible, customized coverage options.
State National Reviews and Ratings from Customers
I examined online customer reviews to get a sense of policyholders’ experiences with State National Insurance. Here is an overview of the ratings and reviews I found
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WalletHub: 3.4 out of 5 stars based on 38 reviews. Positive reviews cited low rates and good customer service. Negative reviews complained of expensive premium hikes.
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Better Business Bureau (BBB): A+ rating with 2.83 out of 5 stars based on 26 reviews. Positive reviews mentioned responsive claims service. Negative reviews cited billing issues.
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Google: 3.7 out of 5 stars based on 14 reviews. Positive comments focused on knowledgeable agents and efficient claims handling. Negative comments were about poor customer service and complicated policies.
The overall sentiment across reviews was mixed but tended towards positive. State National seems to earn praise for claims service and industry expertise but draws some complaints around customer service and policy administration.
State National Insurance Products
State National offers a wide variety of insurance policies for both personal and commercial clients. Here are some of their major products:
Personal Insurance
- Homeowners insurance
- Flood insurance
- Condo insurance
- Renters insurance
- Valuable items insurance
- Personal umbrella insurance
Commercial Insurance
- General liability insurance
- Professional liability insurance
- Commercial property insurance
- Commercial auto insurance
- Cyber insurance
- Workers’ compensation
They provide both admitted and non-admitted insurance offerings. Their admitted policies are more standardized while their non-admitted policies can be more customized for unique risks.
Is State National a Good Choice? Key Factors to Consider
Based on the research I conducted, here are some of the key pros and cons to weigh if you’re considering State National for insurance:
Potential Pros
- Specialized expertise in niche markets
- Flexible, customizable policies
- Streamlined claims handling
- Access to non-admitted insurance
- Positive reviews for customer service
Potential Cons
- Mixed reviews related to billing and premiums
- Complaints about policy administration
- Less competitive on pricing for standard risks
- Limited brand recognition among consumers
For businesses or individuals with unique risks that need tailored coverage, State National may be a strong choice given their specialized products and industry focus
However, for standard personal insurance needs, you may find cheaper rates and an easier experience with a more mainstream national insurer like State Farm, Allstate, or GEICO.
I would recommend comparing quotes from State National alongside quotes from other top insurers before making a decision. The right answer depends on your specific insurance needs and preferences.
How I Would Rate State National Insurance
Based on my research, if I had to give an overall rating, I would give State National Insurance 3.5 out of 5 stars. Here is a quick breakdown of my rating:
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Product Offerings: 4 out of 5 – Wide range of policies but focus on specialty commercial lines
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Pricing: 3 out of 5 – Competitive for niche markets but may be pricier for standard risks
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Customer Service: 4 out of 5 – Positive reviews for claims and agent expertise
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Financial Strength: 5 out of 5 – Rated A- (Excellent) by A.M. Best
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Online Experience: 3 out of 5 – Website and tech capabilities just average
State National seems like a great option for the types of specialized insurance needs they serve best. Their expertise, flexible underwriting, and claims service are strengths. But for general insurance needs, other insurers may be more cost competitive.
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State National Insurance Company has 1 locations, listed below.
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- 1900 L Don Dodson Drive, Bedford, TX 76021 State National Insurance Company
Average of 1 Customer Reviews
15 complaints closed in last 3 years
9 complaints closed in last 12 months
State National insurance review, pros and cons, legit, quote update 2024
FAQ
Who bought State National Life Insurance Company?
Who is the parent company of State National Specialty Insurance Company?
Is State National Insurance Company admitted?
Where is the state national insurance company headquarters?
Who is state national companies?
Founded in 1973, State National Companies has many decades of experience behind them. The insurance company offers various services for banks, finance companies, and credit organizations. Their only insurance product is collateral protection insurance. State National Companies’ coverage is available nationwide.
Are there customer reviews for State National Insurance Company?
Many individual customer reviews exist for State National Insurance Company, though reviews directed particularly to their auto insurance branch are not readily available. Markel Corporation reviews are also available online.
Is state National Insurance a good insurance company?
State National Insurance has received an A (Excellent) rating from A.M. Best, a leading credit rating agency that specializes in the insurance industry. This rating indicates that State National Insurance has a strong financial position and a stable outlook. Compare quotes from the top insurance companies and save!
How much does state national auto insurance cost?
The State National Auto Insurance Company is located in Texas but provides multiple types of insurance policies in all 50 states. For full coverage, you’ll pay around $107/mo with State National Ins Co Inc. Check out our State National auto insurance review to evaluate coverages, rates, and customer service.