Germania Insurance Review 2024
Is it Worth Buying?
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Last Updated: January 15, 2024
- No of reviews: Consumer affair (57), BBB (17), Trustpilot (1) | Total reviews (75)
- Ratings: Consumer Affair (3.8), BBB (1.4), Trustpilot (3.2) | Average ratings (2.8/5)
- Germania Address: 507 Highway 290 E, Brenham, TX 77833-5709
- Phone number: (979) 836-5224
Do we recommend Germania?
Well, there are several other insurance companies that can give you better deals with good service. We recommend keeping your options open and looking at what’s available in the market.
Germania has been an active part of the insurance industry, providing Texans with quality home, auto and life insurance, for over 125 years. Established in 1896 under the leadership of Otto Rau, the first president, in Perry Texas, Germania focused on providing protection for farm property.
Germania’s mission is to offer affordable and reliable insurance solutions that meet customers’ needs. For that, they claim to be committed to offering excellent customer service, a range of discounts, and competitive rates. How true is it?
Here’s our review of Germania and what it offers to its customers.
Germania Insurance: Pros and Cons
- Customizable Policies
- Multiple Discounts
- Lower than average rates
- Strong financial rating
- Local agents
- Good reputation in Texas
- Only available in Texas
- Limited coverage options
- Poor customer service record
- High volume of complaints
- Requires a membership fee
Germania Insurance: Types of Insurance
Here’s a glance at the types of insurance Germania Insurance offers:
- Auto Insurance: Germania provides auto insurance coverage in several states. It includes liability, collision and comprehensive coverage, and more. You get a range of coverage limits and deductibles to create a policy that best meets your needs.
- Home Insurance: The home insurance coverage includes property damage, liability coverage, and more. It covers homeowners, renters, and landowners.
- Life Insurance: Customers can choose from several coverage amounts to meet their needs along with term and whole life coverage.
- Business Insurance: Businesses of all sizes are eligible for Germania’s business insurance. Coverage includes general liability, commercial property insurance as well as workers’ compensation insurance and other specialized insurance policies.
- Farm and Ranch Insurance: Germania offers insurance for farmers and ranchers, with coverage including property insurance, liability coverage, and crop insurance.
- Other Coverages: Customers can also get other insurance products and services, including flood insurance, umbrella insurance, and more.
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Germania Insurance Discounts
Germania offers a good range of discounts to help customers save money on their insurance premiums.
|Customers who bundle multiple policies can qualify for a multi-policy discount.
|Safe Driver discount:
|Customers with a clean driving record may be eligible for a safe driver discount.
|Home Safety Features discount:
|Having safety features such as smoke detectors and burglar alarms may make customers eligible for this discount on their home insurance..
|Good Student discount:
|Students who maintain good grades can also qualify for a good student discount on their auto insurance with Germania.
|Defensive Driving discount
|Customers who have completed a defensive driving course can get this discount on their Germania auto insurance.
|Life Insurance discounts
|Customers who are non-smokers and those who buy larger coverage amounts can get several discounts on their Germania life insurance.
|Business Insurance discounts
|Germania offers various discounts for customers who have been in business for a certain number of years and for customers who implement certain safety measures.
Germania Insurance Ratings
|Better Business Bureau (BBB)
|Agency Height Review Score
Germania Insurance Customer Reviews
Germania has mixed reviews online, with it leaning towards a more negative outlook. They are, however, quick to address comments and suggestions, which show that they are aware of what their customers say.
You can find several reviews online and we recommend going through them to get an idea of what the Germania experience will be like. You’ll have to spend some time doing your research to find proper customer reviews. But here’s a quick glance at what other customers have said about Germania.
I have never had a problem with my Germania car insurance (or my home). The agents are outstanding, polite and efficient. I called on a Sunday to report my accident. It was handled quickly and I was given a claim number. The Germania person said my agent would call me on Monday. By 9am, my agent called and everything went smoothly from there. Thank you Germania!
I was listening to the phone call of my friend on the line with Germania, who has a client that pulled out in front of traffic… Destroying my friend’s truck. On the call I heard Germania change the fault right before our ears when asking for a rental.
After our claim was processed we had questions, but agent replied ” It’s your fault for taking out a loan to by a home” …. and after C.L. could not answer our questions or give us guidance on where to call next after more rude comments We told her if you are going to continue to be rude to us maybe we should go to another company that has better customer service and she replied ” yes you should”… This Glen Rose office has not always been this way just started in the last couple of years… Use to be great … not no more. Horrible Customer Service. Would love to see the main agent M.P hire people that actually care and have the knowledge to help people instead of continually saying ” my hands are tied” and not using their insurance knowledge to help and give guidance. GERMANIA Corp. is good – They were helpful, kind and knowledgeable- I love Germania ! The Glen Rose office just needs new people.
This is by far the worst insurance company that I have ever had to deal with. Their client was in an at fault accident with me and they still have not settled with me. It has been one month to the day.Source: BBB, Trustpilot
Since its establishment, Germania has become one of the top five cheapest car insurance companies in Texas. It has lower-than-average auto insurance rates despite not offering many types of car insurance. It only offers a few additional coverage addons on top of its liability, comprehensive and collision coverage.
You also don’t get very many endorsement options that you can get at some other auto insurance companies, like gap, rideshare, or rental car coverage. Despite the limited options, Germania is still a good choice for drivers looking for low rates and plenty of discounts. If you look online, you’ll find that there are positive customer reviews but also a lot of customers reporting issues they’ve faced with the company.
We recommend comparing Germania’s offerings and reviews with other reputed companies. You might want to consider other options if you’re residing outside Texas.
If you’d like to read more about other insurance companies, you can find them here.
Frequently Asked Questions
How can I get a quote from Germania Insurance?
You can visit the Germania website or contact a local agent to get a quote.
How do I file a claim with Germania Insurance?
To file a claim, you can call Germania’s claims department, contact your local agent, or submit a claim online.
Is Germania only in Texas?
Yes, Germania Insurance is only available in Texas. However, your car insurance policy will cover you in all 50 states. You’ll need to find a different insurance company if you relocate out of Texas.
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