Hallmark Insurance Company Review & Complaints: Auto & Home Insurance (2024)

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Hallmark Insurance Company Information

Hallmark Insurance Company caters to the non-standard insurance market, helping drivers with limited insurance options get the coverage they need. The company’s agent-driven program offers high-risk drivers the opportunity to obtain coverage despite a problematic history.

Find the best budget insurance carrier out there. Not all offer coverage to high-risk drivers which is why you have to do research, but we understand this can be frustrating and time-consuming. That’s why we wrote this Hallmark Insurance Company Review.

Hallmark Specialty Insurance Company is a part of Hallmark Financial Services, which owns a number of insurance and other financial services companies across the country. Each of the companies caters to a particular market segment the way the Personal Lines Unit deals in non-standard insurance.

Before starting this Hallmark Insurance Company review, start getting quotes today to compare standard and non-standard insurance. All you have to do is enter your ZIP code to find quotes for Hallmark Insurance in Reno, NV, and other top car insurance companies.

Are the company’s car insurance rates competitive?

Hallmark does not offer an online quoting service for its insurance products, and it writes mainly non-standard car insurance. This means that the company’s rates are going to be more expensive than the other insurance companies we’ve rate-tested.

Let’s look at the average annual rates by driving history offered by standard carriers. This will give you a baseline as you look at car insurance quotes.

Average Annual Car Insurance Rates Based on Driving History

Companies	Average Annual Rates with a Clean Record	Average Annual Rates with One Accident	Average Annual Rates with One DUI	Average Annual Rates with One Speeding Violation
	$1,933.68	$2,516.24	$3,506.03	$2,193.25
	$2,145.96	$3,192.77	$4,875.87	$2,645.43
	$2,693.61	$3,722.75	$4,330.24	$3,025.74
	$2,746.18	$3,396.95	$4,543.20	$3,113.68
	$2,821.18	$3,396.01	$3,636.80	$3,186.01
	$3,393.09	$4,777.04	$3,969.65	$4,002.28
	$3,447.69	$4,289.74	$5,741.40	$4,260.80
	$3,460.60	$4,518.73	$4,718.75	$4,079.01
	$3,819.90	$4,987.68	$6,260.73	$4,483.51
	$4,774.30	$6,204.78	$7,613.48	$5,701.26

Non-standard insurance is almost always more expensive than standard coverage due to the higher risk customers and potential for loss that the insurance company takes on.

Many people who require non-standard insurance choose to take out legally minimum liability only insurance in order to keep costs down, but we would still not expect Hallmark to offer competitive rates compared to standard insurers.

Insurers look at many factors when determining your rates, such as age, ZIP code, and driving history, Also, Hallmark loss runs reports show what your car insurance history has looked like for filing claims. Drivers that have filed a lot of claims may be charged higher rates.

What is Hallmark’s availability by states?

The company’s headquarters is located in Dallas, Texas, but it offers auto coverage in seven states: Nevada, Texas, Arizona, New Mexico, Oklahoma, Arkansas, and Tennessee.

Certain coverages offered by Hallmark, such as personal aircraft insurance, are offered in some states but not others, so you’ll need to discuss what coverages are available to you with an agent.

What car insurance coverages are offered?

The company’s car insurance program is aimed at high-risk drivers and is, therefore, a basic insurance policy offering the legally required liability with the option for full coverage. Available coverage and policy options will vary based on the state where the driver lives.

Hallmark also offers insurance for the following special circumstances:

• Drivers with Matriculas IDs
• Drivers with international driver’s licenses
• Drivers with foreign passports/IDs
• Drivers requiring SR22s

Read more: Best Car Insurance for Foreign Drivers

Hallmark’s car insurance program specifically caters to a market that needs flexibility; the company offers policy terms as short as one month and flexible payment plans.

What are the bundling options?

Many companies that sell multiple kinds of insurance offer discounts to customers if they choose to purchase more than one type of policy. In addition to car insurance, Hallmark offers renters and personal aircraft insurance policies.

Renters insurance is only offered in a few states, including Washington, Nevada, Arizona, New Mexico, Texas, Indiana, and Tennessee. The insurance offers liability coverage of $25,000/$50,000/$100,000, as well as loss of use, contents, and animal liability coverages.

Aviation insurance is offered in 48 states and is for non-commercial use aircraft. The policy includes $10M in liability coverage and $3M in hull values.

Commercial insurance offers business insurance coverages as well, such as contract binding, property, and casual. Hallmark Financial Services commercial auto insurance business coverage is offered to businesses that need coverage for vehicles.

Hallmark used to offer homeowners insurance, insuring the homes that other companies might not take on due to high-risk factors such as a home being older, low-value, or not owner-occupied. The company also once offered a standard homeowners insurance program that covered homes in fair condition or better.

Homeowners insurance is no longer listed on Hallmark’s website. Hallmark also used to offer dwelling fire and manufactured home coverages as well, but those are also no longer listed on the company’s website.

What are the discounts offered by Hallmark?

Available car insurance discounts from Hallmark include prior coverage and multi-policy discounts.

The company does offer an auto/home bundling discount, which can help reduce premiums considerably in some cases. Here’s a list of discounts offered by Hallmark:

• Multi-Car
• Homeowner
• Recurring Payment
• Multi-Policy
• Prior Coverage
• Foreign Driver’s License

Combining these discounts can save you even more. For example, if you have two cars and own your home, you could qualify for the multi-car and homeowner discounts.

What programs are available from Hallmark?

Although the company does not offer programs like telematics, it does provide online account access and bilingual claims, and customer service. The company also offers extended hours of operation and electronic signature capabilities. These factors add up to easy access to your account and customer service when you need it.

How do I cancel my car insurance policy?

Canceling your car insurance policy is usually an easy task. The important thing to remember is that most states require you to have continuous coverage, so you need to make sure you have a new policy lined up before you cancel. Having the coverage overlap for a day or two is a great way to make sure you are always covered.

Is there a cancellation fee?

There does not appear to be a cancellation fee, but there is not a lot of information about canceling your policy with Hallmark online, so you may wish to ask an agent about this.

Is there a refund?

If you cancel your coverage before your policy is up and have already paid for the full term, you should receive a prorated refund for the unused portion of your policy.

How do you cancel?

In order to cancel your policy, you should speak with your agent. Making a Hallmark insurance agent appointment is going to be your best bet. Some car insurance companies require written notice to cancel and some only require a phone call.

You definitely need to make sure you follow the company guidelines so that you have a smooth cancellation process.

When can I cancel?

Generally, you can cancel your car insurance policy at any time. If you cancel at the end of your policy period, you won’t have to worry about getting a prorated refund.

Hallmark Insurance Company: Navigating the Claims Process With Confidence

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Hallmark Insurance Company provides home and auto insurance solutions in multiple states across the United States. With different coverage options in each state, Hallmark Insurance Company can help cover drivers and homeowners who have been turned down by other insurance companies.

When it comes to filing a claim, Hallmark offers multiple convenient options. Policyholders can file claims online, over the phone, or through mobile apps, ensuring a hassle-free process.

Average Claim Processing Time

Policyholders often wonder about the speed at which their claims are processed. While specific processing times may vary depending on the nature of the claim and the state of residence, Hallmark Insurance Company aims to provide efficient claim processing. However, it’s essential to check with the company for precise information on average claim processing times for your specific situation.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a crucial role in evaluating an insurance company’s performance in handling claims. To assess Hallmark Insurance Company’s track record in claim resolutions and payouts, it’s advisable to review customer reviews and ratings.

Hearing from policyholders who have experienced the claims process firsthand can provide valuable insights into the company’s customer service and satisfaction.

Hallmark Insurance Company Digital and Technological Features

Mobile App Features and Functionality

In today’s digital age, insurance companies often offer mobile apps to enhance the customer experience. Hallmark Insurance Company is no exception. Their mobile app provides policyholders with features and functionality to manage their insurance on the go. This may include accessing policy documents, making payments, and even filing claims directly through the app.

Online Account Management Capabilities

For those who prefer managing their insurance policies online, Hallmark Insurance Company offers robust online account management capabilities. Policyholders can log in to their accounts via the company’s website to review policy details, make changes, and access important documents.

This online convenience ensures that policyholders have easy access to their insurance information whenever they need it.

Digital Tools and Resources

Insurance companies often provide digital tools and resources to assist policyholders in making informed decisions. Hallmark Insurance Company may offer online resources such as calculators, guides, and educational materials to help customers better understand their insurance options.

It’s essential to explore both their claims process and digital features to determine if they align with your preferences and requirements. Keep in mind that insurance experiences can vary based on individual circumstances and locations, so gathering information and reading customer reviews can be beneficial in making an informed decision.

What’s the bottom line?

Hallmark might be a good option for drivers who are in need of non-standard auto coverage, but most standard drivers with plenty of options will find that rates and coverage are better elsewhere.

Now that you’ve read this Hallmark Insurance Company review, you can receive free quotes today to find the best reasonably priced car insurance coverage in your area. Just enter your ZIP code to start comparing rates right now.