Founded in 1983, Arrowhead Insurance Agency initially aimed to help insurance agents cover hard-to-place risks. While the company previously facilitated personal auto insurance policies through third-party underwriters, Arrowhead no longer offers personal car insurance. However, some existing auto policies may still be active in certain states.
Arrowhead Insurance: Pros and Cons
If you’re researching insurance providers, comparing their benefits and drawbacks can be helpful. However, since Arrowhead no longer provides personal car insurance, it won’t be an option for auto coverage. Let’s break down some general pros and cons of the company’s services.
Pros:
- Specializes in commercial and specialty insurance products.
- Offers residential earthquake insurance and personal umbrella coverage.
- Provides workers’ compensation and commercial vehicle insurance.
Cons:
- No longer offers personal auto insurance.
- Home insurance is only available in New Jersey.
- Underwrites policies through third parties, making customer service inconsistent.
Arrowhead Car Insurance Review
Car Insurance Availability
Arrowhead does not currently offer personal car insurance, meaning you’ll need to look elsewhere for auto coverage.
Car Insurance Cost
Since Arrowhead no longer provides auto insurance, there are no available pricing details. However, to get a sense of the market, as of March 2025, the national average for full coverage auto insurance is $2,678 per year, while minimum coverage costs $799 per year.
Alternative Car Insurance Options
If you’re searching for auto insurance alternatives, here are a few options:
- Geico: Offers extensive discounts and affordable premiums.
- SafeAuto: Specializes in high-risk drivers and SR-22 forms.
- State Farm: Known for superior customer service and customizable coverage.
Arrowhead Home Insurance Review
Arrowhead has offered home insurance sporadically over the years, but currently, its HO-3 home insurance policy is only available in New Jersey, underwritten by DB Insurance Company.
Homeowners Insurance Cost
Arrowhead’s home insurance rates are not publicly available. However, for reference, the national average home insurance cost is $2,242 per year for a home insured for $300,000 in dwelling coverage.
Key Considerations for Home Insurance
- Homeowners in New Jersey can request a quote from Arrowhead.
- Additional protections such as sewer backup coverage or service line coverage may increase premiums.
- Since Arrowhead is a broker, not an insurer, claims and customer service experiences may vary depending on the underwriter.
Best Alternatives for Home Insurance
If Arrowhead’s limited availability doesn’t meet your needs, consider these providers:
- Erie Insurance: Offers robust home insurance add-ons.
- Allstate: Provides strong policy customization options.
- USAA: Best for military families and veterans.
Arrowhead Insurance vs. Other Insurers
If you’re comparing Arrowhead to other insurance companies, here’s how it stacks up:
| Feature | Arrowhead Insurance | Geico | SafeAuto | Erie Insurance |
|---|---|---|---|---|
| Car Insurance |  Not Available |  Yes | Yes | Yes |
| Home Insurance | NJ Only | No | No | 12 States |
| Specialty Coverage | Yes | No | No | Some |
| Best For | Commercial Policies | Discounts | High-Risk Drivers | Home Endorsements |
Arrowhead Insurance: Customer Reviews
Since Arrowhead no longer issues personal auto insurance, reviews are limited and often reflect past experiences. However, here’s what real customers are saying:
Yelp Reviews
- Customer 1 (Jan 2022): “Arrowhead declined my home insurance because of ‘debris’ in my yard—which was actually just my daughter’s plants! They also refused to refund my $1,000 payment.”
- Customer 2 (Jul 2023): “Arrowhead sent me a cancellation notice after an inspection. The inspection company was impossible to reach, and Arrowhead wouldn’t respond to emails.”
Many reviewers highlight difficulties with claims processing and customer service due to Arrowhead’s broker-based structure.
Arrowhead Insurance: Contact Information
If you need to get in touch with Arrowhead, here’s how you can reach them:
- General Inquiries: 1-800-669-1889
- Customer Support: Varies by state and policy type
- Corporate Address: 701 B Street, Suite 2100, San Diego, CA 92101
- Website: arrowheadgrp.com
What Insurance Does Arrowhead Offer?
Although Arrowhead no longer provides personal auto or widespread home insurance, it still specializes in various commercial and specialty products, including:
- Personal Umbrella Insurance: Extends liability coverage beyond standard policies.
- Residential Earthquake Insurance: Protects against earthquake-related damages.
- Workers’ Compensation: Covers job-related injuries for employees.
- Commercial Vehicle Insurance: Available for tow trucks, ambulances, and more.
Frequently Asked Questions on Arrowhead Insurance
How do I file a claim with Arrowhead Insurance?
Visit the Arrowhead claims page for details. You can also call 1-800-669-1889 for general inquiries.
Is Arrowhead a good insurance company?
Arrowhead may be a good choice for commercial and specialty insurance, but it no longer offers personal auto or home insurance (except in NJ). If you need personal coverage, consider other insurers.
Does Arrowhead have an AM Best rating?
No. Since Arrowhead does not underwrite policies, it does not have its own AM Best financial strength rating. Instead, look at the ratings of the underwriter handling your policy.
Final Thoughts on Arrowhead Insurance
Arrowhead may still be a viable option for commercial and specialty insurance, but if you’re looking for personal auto or home insurance outside of New Jersey, you’ll need to consider alternatives.
For the best coverage, make sure to compare multiple quotes, evaluate policy features, and check third-party ratings before committing to an insurer.
For more expert insights and other insurances, stay tuned to our blog!
