Arbella Insurance Review

Arbella Insurance
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Arbella Insurance Summary

Formed in 1988 as a mutual company, Arbella focuses on Massachusetts, Connecticut, New Hampshire, Vermont, and Rhode Island to provide personal and business insurance products with a very localized approach.

Its products are sold through local independent agencies. The company supports local non-profit work through the Arbella Insurance Foundation and prides itself on connecting with the communities where policyholders live.

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Insurance Products

Auto Insurance

Standard liability, property damage, and uninsured motorist, plus no-fault personal injury for occupants, loan/lease gap endorsement, accident forgiveness endorsement, and a pet protection endorsement are available on most car insurance policies. Its “carpartment” policy offers renters insurance a a low cost when part of a multi-policy package. A snowplow endorsement covers loss to a snowplow installed in or upon an insured vehicle, which can be very handy in the Northeast.

Home Insurance

Options include increased protection such as reimbursement for expenses concerning identity fraud, personal property replacement cost, and additional personal injury protection.

Business Insurance

For businesses, Arbella has products ranging from a business owner policy for small business up to commercial package policies, business car and truck, workers’ compensation, crime and identity theft, inland marine, and commercial umbrella policies.

Additional Products

  • Rental property—features for non-resident landlords include dwelling and attached structures, dwelling contents owned, fair rental value if uninhabitable, tenant relocation expense, bodily injury and property damage, and medical payments.
  • Motorcycle insurance—in addition to standard coverage, there are options for towing and labor; coverage for the bike if damaged by accident, theft, or vandalism; and substitute transportation. Experienced operators receive additional discounts under certain conditions.
  • Personal umbrella—allows limits up to $5 million if underlying policies meet underwriting guidelines.

Arbella Insurance Rates

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As a mutual insurance company, Arbella profits are distributed out to policyholders as premium reductions, but losses can result in rate increases. If you live in one of its service states, however, Arbella may offer good value for its customized approach.


Claims, including glass, can be made at any time by calling 800-272-3552 or filing online. Arbella handles all claims through its in-house claims specialists. Forms covering a variety of claims or procedural needs are available on their website.

Consumer Research and Complaints

Arbella Insurance Group is accredited by the Better Business Bureau and has an A rating. In the last three years the company has had 26 complaints, with 7 complaints closed in the last 12 months. Fourteen complaints concerned problems with product/service issues, the rest were billing/collection issues.

Online consumer complaints are predominantly about billing and collection issues. For such a small, local company, the number of positive reviews was impressive.

Financial Strength

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

Bottom Line

Arbella is set up as a mutual insurance company, which means the organization is owned by the policyholders. Profits are distributed out as a reduction in premiums, and losses can have the opposite impact. In theory, mutual companies focus on what is right for their clients, since they are the owners of the company.

Arbella appears to be a good choice for those living within their coverage area. They focus on local, and they do a lot for charity. If you are eligible for Arbella insurance coverage and are not concerned with getting the absolute cheapest policies, they may be worth checking out.

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

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