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Hallmark Insurance Company Review

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UPDATED: Nov 30, 2018

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Hallmark Insurance
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Hallmark Insurance caters to the non-standard insurance market, helping drivers and homeowner’s get the coverage they need. Their agent-driven program offers higher risk drivers the opportunity to obtain coverage in spite of a problematic history, while helping homeowners overcome high-risk factors.

Hallmark Insurance Summary

Hallmark Personal Lines 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 is aimed at a particular market segment the way the Personal Lines Unit is directed at non-standard insurance.

Hallmark’s headquarters is located in Plano, Texas, but they offer auto coverage in 15 states: Washington, Nevada, Texas, Arizona, Montana, Colorado, New Mexico, Oklahoma, Arkansas, Illinois, Indiana, Ohio, Kentucky, Tennessee, and Maryland.

Homeowner’s insurance is not available as wide a market. The company’s website is in great need of an update, as their product availability map doesn’t match the actual states in which coverage is available. .

All of the Hallmark products are sold through independent agents in the states they cover. Coverage options can vary by state, however, all products are specifically aimed at the needs of the non-standard market. Hallmark can help drivers and homeowners who have been turned down by other insurance companies to get covered.

Insurance Products

Hallmark’s website lists options for coverage beyond auto and home insurance, these include motorcycle, business, and renter’s insurance.

Auto Insurance

Hallmark’s auto 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. Coverage available differs based on the state where the driver lives.

Hallmark’s auto insurance program specifically caters to a market that needs flexibility; they offer policy terms as short as one month and flexible payment plans.

Available discounts are very basic, and include prior coverage and multi-policy discounts. They do offer an auto/home discount for those who insure both with Hallmark, which can help reduce premiums considerably in some cases.

Hallmark also offers Mexican Tourist Auto, a policy that is designed to cover drivers when traveling by car into Mexico. American auto insurance policies do not cover drivers in Mexico, so this option is a must for road trips that cross the border.

Home Insurance

Hallmark will insure the homes that other companies might not take on, whether this is due to high risk factors such as an older home or low home value. Another reason could be the fact the the home is not owner occupied.

They do offer a standard homeowner’s insurance program which covers homes in fair condition or better, and is likely to still accept homes that other insurance companies might not.

Hallmark also offers Renters insurance in a few states, including Washington, Nevada, Arizona, New Mexico, Texas, Indiana, and Tennessee.

Both Dwelling Fire and Manufactured Home insurance are also listed on the website.

As a result, Hallmark’s available property coverage is far more limited than the website shows at first glance, with renters being the most widely available option.

Hallmark Insurance Rates

Hallmark does not offer an online quoting service, the company does not cover our normal test rate states, and they write mainly non-standard insurance. All of this means that their rates are not going to be readily comparable to the other insurance companies we have rate-tested.

Non-standard insurance is almost always more expensive than standard coverage due to the higher risk 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.

Claims

Hallmark doesn’t appear to have a dedicated claims line. The contact section of the website only offers a general customer service line that can be reached at 1-800-486-5616.

There is a live chat option on the website that offers direct connection to an agent for an online chat, and mentions that the claims department can be reached this way. This live chat option is not always available; although no hours are listed it is likely open during regular business hours.

Finally, there is an online form that can be submitted to request that a Hallmark agent make contact with you, and claims is one of the check-off options for the topic of the request.

Overall, the claims information on the website is confusing and lacking in any sort of detail; a customer would likely find it difficult to figure out exactly how to file a claim based on the information the site offers.

Consumer Research and Complaints

Hallmark has been Better Business Bureau accredited since 2012. They currently hold an A+ rating, and have quite a low complaint volume with only 14 complaints filed in the past three years, three of those in the past 12 months.

That is a low complaint ratio in spite of the small size of the company, particularly considering their high-risk client base, which often is an indicator of higher complaint volumes.

Financial Strength

Rating Company Grade Financial Outlook
AM Best A- Stable
Fitch N/A N/A
S&P N/A N/A

Bottom Line

Hallmark might be an option for drivers who are in need of non-standard auto coverage, but most standard drivers will find that rates and coverage are better elsewhere. Hallmark’s somewhat confusing website and lack of detailed information makes it difficult to recommend them even to higher risk drivers.

If you are having trouble finding insurance coverage, this is a company that might fall on your radar. For most people it is best to look elsewhere.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

Summary
Review Date
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Hallmark Insurance Company
Author Rating
31star1star1stargraygray

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

6 Comments

  1. It’s laughable to rate this EXTREMELY predatory insurance company 3- stars.

    They not only attempted to low-ball an offer settlement by $2k of what the same make/model/year was selling for on any dealer lot within a 250 mile radius, and refusing to cover tax/title/tags, they also tried to force me into a quick settlement right before a long holiday weekend by threatening to immediately cut off rental car and wreck storage fees if I didn’t agree to their illegal/unethical offer.

    I can’t imagine how many lower-income victims are forced to accept offers like this because they don’t have the funds to fight it. A truly disgusting organization.

    Also, not sure where you get your information that they are 3-star accredited by the Better Business Bureau; if you look at the BBB website Hallmark is clearly rated 1-star.

    Reply
  2. That’s the worst insurance ever I always paid in time and when you need them they just disappear and don’t answer the phone.

    I had an accident last 20 July I claim my accident on Monday 22 I heard once from a woman dealing with my claim call Denise Brown and I never ever heard back from her again

    My car is stopped in the garage from collision center Honda in Phoenix she said she would send somebody to do the estimate and it’s over 3 weeks

    I’m calling almost every single day leaving voice messages sending emails and she never replies back.

    The person from the shop where my car is told me the same thing he emails and call her many times and she never answers

    So I’ll not suggest this insurance for anybody. they don’t care at all once you need they just disappeared.

    Reply
  3. Does full coverage insurance coverage cover motor damage in a car accident?

    Reply
  4. Does hallmark full coverage car insurance cover motor damage in a car accident?

    Reply
  5. I have been a Hallmark customer for 7 years and love your company.
    I was told you recently made changes and I would have to talk to an agent about upgrading. I have tried for 1 week now being told an agent would call and no one has so far.My policy lapses on the 19th and I need someone to help me asap. I don’t want to change companies.

    Thank you
    Barbara

    Reply
  6. My BF truck was hit by a woman with Hallmark Ins in Tampa FL on the 4th of April. He has gotten no where… Hallmark says that they don’t know her that they don’t write in FL but yet we have a copy of her insurance card and it states a local agent, that he called, and they said no they don’t write insurance for that company, but we have a copy of the card with their name and number.
    We had the police go to her place of employment and she said she had insurance through Wachovia, but gave us the Hallmark card. Geico was also involved… reviews for Hallmark is HORRIBLE. They don’t call you back and give you the run around, same as the woman who hit him. HELP!

    Reply

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