Arbella home insurance review: Best for New England homeowners
Arbella home insurance comes with cheap rates, stellar customer service, and strong financial stability for homeowners in Massachusetts, Connecticut, Rhode Island, and New Hampshire.
By
Jessica OlivoJessica OlivoFreelance contributorJessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.After working in publishing and book publicity for many years, she transitioned to freelance writing full time.
Edited by
Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
4.6
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
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Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
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The bottom line
Arbella Insurance home insurance is ideal for New Englanders looking for a robust policy with add-ons like water backup, service line, equipment breakdown, and cyber coverage. It also comes with rates that are one-third the cost of the national average, while still providing excellent customer service and financial stability. New customers can even save up to 20% by bundling their home and auto policies with Arbella.
However, two noticeable coverage add-ons it doesn’t offer are guaranteed and extended replacement cost coverage for your home — a drawback considering rebuild costs tend to skyrocket after a natural disaster. It also doesn’t offer an online quote tool, meaning you’ll have to contact a local agent to check your rate and purchase a policy.
Cheap rates that are 41% below the national average
Earns a perfect 5-star rating for customer service — it received 99% fewer complaints than expected for a company of its size in 2021
Mobile app makes it easy to manage your policy and file a claim from the palm of your hand
Cons
Doesn’t offer guaranteed or extended replacement cost coverage for your home
Only available in Massachusetts, Connecticut, Rhode Island, and New Hampshire
No online quote tool — must contact a local agent to get started
Basic coverages offered
Arbella home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:
Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.
Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.
Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.
Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.
Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.
Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.
Additional coverages offered
You can add these additional coverages to your Arbella homeowners insurance policy for even more protection:
Cyber protection: Pays to remove viruses from your computer or expenses incurred due to cyberbullying, such as relocation costs if you’re forced to move.
Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.
Renters insurance: Purchased by tenants, renters insurance covers the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.
Ratings methodology
Price
4.0/5
Our price rating scale looks at home insurance rates for a policy with $300,000 in dwelling coverage, as well as the total number of discounts offered. Arbella's average annual rate of $1,248 is 41% below the national average.
Customer experience
5.0/5
Our customer experience scale uses data from the National Association of Insurance Commissioners (NAIC) complaint index. Arbella has a score of 0.04, which means it receives practically 100% fewer complaints than expected for a company of its size. (The expected number would be 1.0.)
Coverage options
4.2/5
Our coverage options rating is based on both the number and quality of additional coverage and policy options offered by the company. Arbella scores above-average compared to other regional home insurance companies.
Financial strength
4.5/5
Our financial strength rating is a weighted combination of three industry-leading metrics to measure a company’s financial health: AM Best, Standard & Poor’s, and Moody’s. Arbella has an A rating from AM Best, but is not rated by Standard & Poor’s or Moody’s.
How much does Arbella home insurance cost?
The average cost of home insurance with Arbella is $1,248 per year for a policy with $300,000 in dwelling coverage. This is more than $500 cheaper than the national average of $1,754 per year.
Here’s the average yearly cost of Arbella home insurance for five different levels of dwelling coverage:
Dwelling coverage limit
Average annual cost
$100,000
$671
$200,000
$959
$300,000
$1,248
$400,000
$1,528
$500,000
$1,826
Rates are based on our analysis of 2022 sample home insurance quotes from across the country provided by Quadrant Information Services. Actual rates will vary based on location, policy limits, coverages, claims history, and other factors.
Compare home insurance quotes with top insurers in minutes
What discounts does Arbella Insurance offer?
You can save on the cost of Arbella home insurance if you qualify for any of these discounts:
How to get a quote: You can get an Arbella home insurance quote by contacting a local agent via the Find an Agent tool on its website.
Customer service options: You can get in touch with an Arbella Insurance customer service rep by calling 800-272-3552.
How to file a claim: You can file an Arbella home insurance claim by logging in to your online account, filling out a form on its website, or calling 800-272-3552.
How to cancel your policy: You can cancel your Arbella home insurance policy by calling your Arbella agent (their contact info should be on your policy declarations page), by mail, or by visiting your local agent in person.
Arbella Insurance in the news
In December 2022, Arbella began working with One, Inc. to offer customers a new way of making digital payments. (Yahoo! Finance)
In May 2022, Arbella Insurance and UMass Amherst launched the Insurance Academy to teach undergraduate students about the insurance industry. (Insurance Business Magazine)
Arbella Insurance vs. other home insurance companies
Compare Arbella Insurance to other home insurance companies in the industry:
Arbella Insurance is a good option for New England homeowners thanks to its excellent customer service, strong financial stability ratings, low price, and slew of valuable coverage add-ons.
What types of insurance does Arbella offer?
Arbella offers home, condo, renters, landlord, auto, motorcycle, and business insurance.
What states does Arbella Insurance cover?
Arbella Insurance is offered in Massachusetts, Connecticut, New Hampshire, and Rhode Island.
Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.
After working in publishing and book publicity for many years, she transitioned to freelance writing full time.
Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
