Arbella insurance review 2024

Arbella car insurance includes coverage options specifically tailored toward drivers in Connecticut, Massachusetts, New Hampshire and Rhode Island. The company offers the standard insurance coverage options found with most insurance carriers, but also has some add-on features that drivers in snowy states may appreciate. This includes a snowplow endorsement, which provides coverage with a $200 deductible for a snowplow installed in a vehicle. Arbella also offers optional gap insurance, accident forgiveness and personal property coverage for items left inside the vehicle. For those who qualify, various coverage options may be combined in a single, convenient Customer Care package option. Keep in mind that available options may vary by state.

To find the best car insurance, Bankrate reviews dozens of car insurance companies. We analyze each average annual premium from Quadrant Information Services as well as policy features and discounts. We also consider a company’s rating from third-party agencies, such as AM Best and J.D. Power, for financial strength and customer satisfaction. The higher a company performs in each of these categories, the higher their overall Bankrate Score, for a maximum score of 5.0 out of 5.0.

Finding the best homeowners insurance policy may depend on each company’s policy options. Our Arbella Insurance review shows that the company’s home offerings are fairly standard compared to other carriers in the home insurance industry, with fewer options for add-on coverage. However, those who are in need of home and auto insurance may find that Arbella’s affordable rates become even more so with the use of discounts. The company advertises that those who switch and bundle their insurance may be able to save up to 25 percent or more off their insurance premiums.

To round out your homeowners insurance with Arbella, the company offers a few endorsements, including a Home Cyber Protection policy to cover computer attacks, stolen personal information and even cyberbullying through smart phones, computers and other electronic devices at home. Homeowners may also be interested in the Home Systems Protection and Service Line coverage, which extends some coverage for repairs or replacement for breakdowns with home systems, such as a furnace or central air conditioning.

If you’re shopping for insurance and are wondering what other companies to get quotes from, here are some options that compare to Arbella.

Our insurance editorial team — comprising a team with both licensed agent and consumer experience — has researched hundreds of insurance companies, including rates, coverage and third-party ratings. While Arbella is a smaller insurance company and not the most widely known outside of New England, its coverage offerings are fairly robust for an insurer of its size and the lower-than-average premiums are attractive. Arbella especially stands out with its easy-to-use digital tools, which are often lacking or underdeveloped in smaller companies. Drivers and homeowners in Connecticut, Massachusetts, New Hampshire and Rhode Island may want to get a quote from Arbella as they shop for coverage.

Arbella customer complaints

Another way to assess your insurer is by looking at the company's ratings with the National Association of Insurance Commissioners (NAIC). This industry organization awards each insurer a rating in its complaint index each year. The industry average is 1.0; anything above this indicates more than the average number of complaints, while anything below 1.0 suggests a company with above-average customer service.

Other Arbella tools and benefits

Although Arbella's reputation is built on its auto and home insurance policies, it offers other types of insurance as well, and also has benefits and tools available to its policyholders to make it easier to manage their policies or save money on them. Here are a few of Arbella's tools and benefits:

• Motorcycle insurance: This policy provides coverage for your motorcycle when on the road or parked.
• Commercial auto insurance: If you use your vehicles for business, this type of policy may be important to you.
• Renters insurance: If you rent an apartment or house, you'll still need coverage to protect your belongings, even though the building itself is covered by your landlord's policy.
• Condo insurance: This policy is for those who live in condominiums and protects their personal property and condo unit.
• Rental property insurance: If you are a landlord, you will need coverage even if you don't live in your rental property.
• Umbrella insurance: This type of insurance adds value to your other policies, offering coverage for unexpected serious occurrences.
• Business insurance: Arbella offers coverage for both small businesses as well as those that are larger and more complex.
• Mass Save discount: Arbella has partnered with Mass Save to give homeowners up to a five percent discount on their home insurance and an opportunity for more discounts and rebates from other program sponsors. To participate, homeowners must participate in an in-home energy assessment that will be shared with their insurance agent.
• Mobile app: Policyholders with Arbella were already able to manage their policies online through the myArbella online portal, but the company launched a mobile app in 2021 to allow customers to do the same on their phones and tablets as well.

Frequently asked questions about Arbella

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

Auto

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16–20 added to their parent's policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Homeowners

• Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $300,000, $300,000, $300,000, $300,000, $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.