The following Houston General car insurance review details the ratings of this insurer and the custom policies and specialized services it offers, so that drivers can determine if this company is a good fit for their needs.
Houston General is a part of OneBeacon Insurance Group and has been given an A rating for financial stability. Houston General is unique in that when individuals purchase an insurance policy they become members and as such own part of the company. With membership, individuals are given benefits such as identity theft resolution services, travel assistance, emergency roadside assistance, 24/7 response for serious losses, and the waiving of deductibles in certain cases.
Houston General car insurance policies are custom to meet individual plans. They specialize in family and individual coverage. Houston General offers unique riders that are not commonly available from insurance companies. Some of these unique riders are gap coverage (this covers the difference between the amount owed on a vehicle and its value), OEM coverage (this covers the original equipment replacement parts on newer vehicles), travel expense reimbursement if an accident happens far from home, and accidental airbag deployment.
Another specialized service available through Houston General is a guarantee of quality auto repair. When you have an accident you can use your own mechanic or, for faster claim service, you can use a mechanic approved by Houston General. This network of mechanics and service shops is called the automobile CARE program and any work done through one of these service providers is guaranteed by Houston General.
Lastly, Houston General offers Disaster Document Recovery. If your car is totaled and you had crucial documents inside, you can use a service of Houston General to help you reestablish records and documents that are lost. Other insurance companies offer members benefits, but Houston General has one of the widest variety of benefits for its car insurance policy holders.
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