ARI Insurance Company Review

We've looked at over 1,000 insurance companies, rating them on strength, accessibility, and service to find the best ones. Here's what people think about American Risk Insurance.

ARI Insurance Company at a Glance

  • Founded in 2007
  • Rated "A-" (excellent) by AM Best
  • Not rated by the Better Business Bureau (BBB)
  • Coverage available in three states
  • 24/7/365 claims reporting

ARI pros: Strong rating by AM Best. Offers 24/7/365 claims reporting. Offers several forms of home insurance.

ARI cons: Some mixed customer feedback. Coverage only available in three states. Not rated by the BBB. No discount information available. Younger carrier.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does American Risk Insurance Company Offer?

Here's a breakdown of the coverages offered by ARI.

  • Homeowners insurance
  • Renters and condo owners insurance
  • High-value home insurance
  • Commercial property insurance

An independent insurance agent can help you find more information about the coverages offered by ARI, and help you decide if this insurance company is right for you.

What to Know about American Risk Insurance Company

Founded in 2007, American Risk Insurance Company currently offers its coverage in three states: Oklahoma, Texas, and Louisiana. The insurance company offers several personal coverages, including homeowners insurance and renters and condo owners insurance, as well as commercial property insurance.

ARI is a privately held insurance company. Their LinkedIn network states that they have less than 50 total employees. The insurance company prides itself on being available whenever customers need to file claims, providing 24/7/365 claims services.

ARI has earned itself a reputation as a stable insurance company with a strong outlook for the future. AM Best gives ARI an overall “A-” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from AM Best assure customers that ARI offers guaranteed, reliable coverage.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 

What Discounts Does ARI Offer?

ARI does not make information about its specific discounts readily available. However, an independent insurance agent can help find any discounts you may qualify for through the carrier. Independent insurance agents work hard to find you the most affordable coverage that gets the job done right.

ARI Customer Service

Here's a breakdown of ARI's customer service options and availability.

  • Online bill pay
  • Phone contact option
  • Fax contact option
  • Email contact option
  • 24/7/365 claims reporting
  • Customer service hours not specified


To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

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American Risk Insurance FAQ

What is ARI's average claims response time frame?

ARI provides plenty of information about how to file claims, however they do not provide a specific claims response time frame promise.

What is ARI's customer service availability?

ARI's customer service phone department does not specify business hours, but their claims department is available 24/7/365.

What is ARI's claims process?

ARI's official website provides the following information about the carrier's claims process.

"What information will my Claims Representative need?

Your name, contact information, policy number, and full description of the loss.       

What do I do after a loss?

Get everyone to safety. Call the Police or Fire department for help if needed. Take photos or video of the damage. Please make temporary repairs to prevent further damage to your property, and keep all receipts for your claims adjuster. Please do not discard any damaged property, equipment, or parts related to the cause of your loss. The claims adjuster will need to visually inspect and collect these items in order to properly investigate your claim.

Please contact American Risk Insurance Company, Inc. 713-559-0700 as quickly as possible."

Does ARI create a user-friendly experience for customers?

With 24/7/365 claims reporting and online bill pay options, plus a couple of social media contact options, ARI overall does create a highly user-friendly experience.

Does ARI have good homeowners insurance?

ARI offers several products for insurance customers, including homeowners coverage. The official website lists the following perks to the insurance company's homeowners coverage.

  1. Replacement Cost on Dwelling and the broadest coverage of perils we offer subject to conditions and exclusions. 
  2. Coverage for your personal belongings and contents on an actual cash value basis. Replacement cost can be purchased for contents.
  3. Legal Liability protection for Bodily Injury and/or Property Damage to others, subject to policy limitations.
  4. Additional living expenses if you are temporarily unable to live in your home because of a fire or other insured peril.

An independent insurance agent can help you find more information about ARI's homeowners insurance, as well as their other products available.

Is ARI a good insurance company?

ARI is one of the younger carriers on the market today, but does have a strong rating from AM Best. The carrier is not rated by the BBB. Customer feedback seems to be extremely mixed, so it's difficult to determine if ARI can be considered a good insurance company.

American Risk Insurance Company Customer Reviews

TrustLink
American Risk Insurance gives me the kind of service I can hardly ever find, and their prices are very good.


TrustLink
I was afraid to even ask about insurance rates, but American Risk Insurance has the best rates and the best coverage.


TrustLink
American Risk Insurance knows the local market, and they give their customers both a fair price and a fair deal.


WalletHub
They're absolutely horrible!!!  We needed to keep insurance on our home until we could sell it and they canceled and would not reinstate so I would hate to see what happens in the event something tragic happening to someone's home and belongings.


WalletHub
By far the worst insurance agency on the planet. No communication when you file a claim and will try to lowball you on estimates.


TrustedChoice.com's Final Review

We award American Risk Insurance Company a final rating of 2.5 out of 5 stars. The carrier has been around for less than two decades and only offers coverage in three states currently. However, they do provide a good selection of home insurance products for customers. The carrier also has a good rating through AM Best.

ARI is not rated by the Better Business Bureau and does not provide information about its discounts. There do seem to be quite a few positive customer reviews about the carrier, though feedback is mixed. Overall, we recommend working together with an independent insurance agent to survey many options along with ARI.

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