We Recommend Hiscox
The company got its start in 1917 and at the time specialized in auto insurance. Its focus has shifted significantly over the years thanks to its acquisition by Nationwide, and it is now a leading provider of small business insurance in its region.
The company sells insurance throughout the eastern and mid-Atlantic regions. Although its main focus is on small business insurance, it does sell some private auto and homeowner’s coverage; this however makes up just 20% of the company’s overall business.
Harleysville offers both auto and homeowners insurance to individuals. By using the StarPak plan, you can combine all of your insurance policies into a single one, simplifying billing and potentially saving money. Policies that can be bundled include home, renter’s, auto, boat and personal liability coverage, as well as some life insurance plans, which are underwritten by Nationwide Financial.
Auto policies include basic coverages like collision and comprehensive as well as some basic endorsements for things like audio equipment, lease gap coverage, customized equipment coverage and new car replacement.
Harleysville offers several types of business insurance, with a particular focus on small businesses. The Home Business Solutions plan is an endorsement that can be used for any home-based business. It acts as an endorsement for a standard homeowner’s policy.
Other products include employee benefits like annuities, life insurance and retirement plans, all of which are backed by Nationwide Financial.
You can purchase flood insurance for your home or business through Harleysville. These policies can be added to your existing property insurance or purchased separately if you’re insured by another company. Harleysville Insurance acts as an agency of the National Flood Insurance Program to offer both standard and preferred risk flood policies.
There is no quote request form on the Harleysville website, and there’s no phone number to call specifically for obtaining a policy. To get a quote, you’ll need to contact an agent licensed to sell Harleysville insurance. There’s an agent locator on the website that works by ZIP code.
The preferred method of filing a claim is to contact your agent and allow him or her to walk you through the process. However, you can still file over the phone by calling 800-892-8877 for property/casualty insurance and 800-421-3535 for flood claims.
Employee benefits, life insurance and other related claims can be filed by fax or through the mail by downloading the appropriate form and forwarding it to the company. There is no online claims form option.
Harleysville Insurance is not accredited with the Better Business Bureau, and it does not have its own rating with the BBB since it’s a subsidiary of Nationwide.
There is little customer feedback on other review sites, but the reviews there do frequently bring up poor response times from adjusters or damage estimates that were low-balled. These are fairly common complaints for auto insurers. We found no complaints online about the business insurance products.
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If you’re in the region and require business insurance, since Harleysville provides this product it may be worth the time receiving a quick quote to aide in your research; if for no other reason than Harleysville being back by Nationwide.
It is our general opinion that with so many options out there, taking the time upfront to fully understand your coverage needs and then finding the company that best fits those needs from a product and pricing standpoint is the most important thing.
For a list of companies that we recommend, visit our Best Insurance Companies page.