Arbella Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Trusted Choice's Arbella Insurance Group Score
4.5 Stars
We award Arbella Insurance Group a final rating of 4.5 out of 5 stars. The carrier’s official website provides many convenient services, such as requesting quotes, filing claims, checking claims status, and more. Claims reporting is available 24/7.
The carrier also has high ratings through both AM Best and the Better Business Bureau. Coverage may not be offered nationwide, but Arbella seems to focus its efforts on providing affordable products and the best customer experience possible within New England.
Arbella Insurance Group was founded in 1988, giving the carrier more than three decades of experience within the insurance industry. The insurance company currently only offers coverage in the states of Massachusetts, Connecticut, New Hampshire, and Rhode Island. Not all products are sold in each of these states.
The insurance company offers numerous generous discount options on many of its coverages. Arbella's home and auto insurance rates are also among the most affordable of all carriers in New England. Overall, we say that if you’re located in the New England area, we highly recommend entrusting Arbella Insurance Group to satisfy your coverage needs.
Arbella Insurance Group Pros and Cons:
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Arbella Insurance Products by Type
Arbella Insurance offers a variety of coverage solutions to individuals and professionals. Its products include:
Vehicle & Auto Insurance:
- Motorcycle insurance
Home & Property Insurance:
- Home insurance
- Renters insurance
- Condo insurance
- Rental property insurance
- Personal umbrella insurance
Business Insurance:
- Business insurance
- Commercial vehicle insurance
- Commercial umbrella insurance
- Business owners policy insurance
- Workers' compensation insurance
- Inland marine insurance
- Crime insurance
- Cyber liability insurance
- General liability insurance
- Commercial property insurance
Arbella Insurance Group Homeowners Insurance
Arbella's homeowners insurance is only available in Massachusetts, Connecticut, Rhode Island, and New Hampshire. Arbella offers all the standard coverages you'd expect to find in a home insurance policy, including protection for the dwelling, contents, additional structures, loss of use, medical payments, and personal liability. The carrier also offers a couple of endorsement options for its policies.
Coverage types, features, and benefits:
Home Systems Protection and Service Lines
Arbella offers an optional endorsement to protect your home's systems and service lines. This coverage can reimburse you for necessary repairs or replacements after a covered incident affecting your AC, furnace, or sewer line.
Home Cyber Protection
Arbella also offers an optional endorsement to protect policyholders against expenses associated with cybercrime. This coverage can reimburse policyholders for the cost of losses due to cybercrimes, data breaches, cyberbullying, viruses, and malware.
Arbella Homeowners Insurance Average Prices
Arbella is known for offering highly affordable homeowners insurance in New England. A policy with $300,000 in dwelling coverage costs an average of $1,248 per year from Arbella. In comparison, the current national average cost for a policy with the same amount of coverage is $1,754 per year. Customers can save an average of $500 annually when they choose Arbella.
Here's an overview of Arbella's average home insurance rates by dwelling coverage amount.
Arbella Home Insurance Prices by Dwelling Coverage Amount
| Dwelling Coverage Amount | Average Annual Policy Cost |
|---|---|
| $100,000 | $671 |
| $200,000 | $959 |
| $300,000 | $1,248 |
| $400,000 | $1,528 |
| $500,000 | $1,826 |
Arbella Insurance Group Auto Insurance
Arbella also sells car insurance in Massachusetts, Connecticut, New Hampshire, and Rhode Island. The carrier includes no-fault injury coverage in its car insurance policies, as well as standard protections for theft, vandalism, accidents, and liability. Customers can enhance their policies and save money with additional options like a disappearing deductible and accident forgiveness. The carrier also offers a few other optional coverages.
Coverage types, features, and benefits:
Customer Care Package
Arbella offers customers a package of optional additional coverage that includes new vehicle replacement cost coverage, trip interruption coverage, and enhanced rental coverage.
Gap insurance
Arbella offers optional gap insurance, which can pay the difference between your vehicle's current value and the amount remaining on a loan or lease if your car is declared a total loss.
Pet protection
Arbella offers optional coverage for pets who travel with you in your vehicle. Coverage of up to $500 in related veterinary bills is available.
Arbella Auto Insurance Average Prices
Arbella is also one of the most affordable car insurance companies in New England. The carrier offers competitive rates for drivers of all ages. Here's an overview of Arbella's average annual auto insurance premium by driver age group.
Arbella Car Insurance Prices by Driver Age Group
| Driver Age Group | Average Monthly Premium |
|---|---|
| Teenagers | $417 |
| 20-29 | $152 |
| 30-59 | $123 |
| 60-69 | $108 |
Methodology
We found these sample auto insurance rates based on a 30-year-old male driver with no traffic violations or accidents on his record. The driver has a good credit score and an auto insurance policy with $50,000 in bodily injury liability per person, $100,000 per accident, and $50,000 in property damage liability per accident. The sample policy also includes comprehensive and collision coverage, each with a $500 deductible.
What Discounts Does Arbella Offer?
Arbella offers a generous amount of competitive discounts on its coverages, especially for car insurance. The carrier's discounts include:
- Account credit discount
- New to Arbella discount
- Anti-theft device discount
- Energy-savings vehicles discount
- Paid-in-full discount
- Advanced driver training
- Drive less, pay less discount
- Good student discount
- Student away discount
- Military away discount
An independent insurance agent can provide better discount information and premium quotes for coverage through Arbella. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
Arbella Insurance Company Customer Service
Arbella Insurance allows customers to file claims online or over the phone at any time of the week. The carrier also provides the following customer service options:
- Phone
- Snail mail
- Mobile app support
- Contact form on website
- Claims reporting hotline available 24/7
- Customer service phone department has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday - Friday | 8 a.m. - 5 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you so you can relax and enjoy your coverage.
Connect with an Arbella Agent Today.
Shopping for insurance? Arbella has you covered.
Arbella Insurance FAQs
Arbella Insurance allows customers to file claims through several methods, including online or over the phone, 24/7. Arbella promises a "speedy resolution" for customer claims. The carrier also advertises drive-in claim centers, which can offer damage appraisals in just 20 minutes.
Arbella Insurance offers a claims reporting hotline which is available 24/7. Its customer service hotline is available at extended hours, Monday-Friday. The carrier also has a social media presence on Facebook, X, YouTube, and LinkedIn, making it much more accessible to customers.
Arbella Insurance allows customers to file claims via phone, email, snail mail, or through the website. The carrier's official website summarizes Arbella's claims process in three simple steps.
- Report: The customer reports the claim to Arbella and the carrier initiates the claims process, which includes answering any questions the policyholder has.
- Investigate and evaluate: Arbella assigns a claims rep to perform an investigation of the claim.
- Resolve: Arbella's claims specialist resolves the claim quickly for the customer.
Policyholders who have further questions about the claims process can contact Arbella or work with a local independent insurance agent. These agents can file claims directly for you and answer any questions you have along the way.
Arbella Insurance’s official website is detailed, highly intuitive, and easy to navigate, which places it among the best modern insurance company websites around. Important information can be located with ease for both prospective and current customers alike, and pages are fleshed out enough to provide satisfying responses.
The insurance company outlines its claims process and provides a FAQ to further resolve customer inquiries. The official website also provides many service options insurance customers today expect, such as requesting quotes, getting matched with a local independent insurance agent, filing claims, checking claims statuses, and more.
The carrier is also active on social media. Overall, Arbella provides an extremely user-friendly experience for customers.
Customers can find affordable car insurance from Arbella, as long as they're located in New England. Arbella provides all the standard car insurance coverages along with several additional options like gap insurance and pet coverage.
Arbella works with local independent insurance agents and offers an extremely fast claims response. Between a commitment to excellent customer service, high ratings through the BBB and AM Best, a wide variety of discount options, good financial strength, and 24/7 claims reporting and other inquiry contact options, Arbella certainly earns its status as a good and reputable insurance company.
Arbella's insurance products may be right for prospective customers living in New England states. Those in search of home, auto, or business insurance may be able to find an affordable policy offered by Arbella.
Arbella's average annual rate for a home insurance policy with $300,000 in dwelling coverage costs an average of just $1,248. The current national average cost for a policy with the same amount of coverage is $1,754 per year, which is about $500 more expensive.
https://www.arbella.com/
https://ratings.ambest.com/DisclosurePDF.aspx?PCA=0&AMBNum=10663
https://www.bbb.org/us/ma/quincy/profile/insurance-companies/arbella-insurance-group-0021-16088
https://www.policygenius.com/homeowners-insurance/reviews/arbella-insurance/
https://www.thezebra.com/insurance-companies/arbella-insurance-reviews-coverage-options-and-ratings/