American Risk Insurance: Your Key to Comprehensive Coverage

American Risk Insurance: Your Key to Comprehensive Coverage?

Welcome to our complete review of ARI Home Insurance.

Here, we’ll provide you with easy-to-understand information, expert advice, and real customer feedback to help you understand everything you need to know about ARI’s home insurance options.

While ARI boasts top-notch financial strength as rated by Demotech, customer reviews paint a different picture.

With approximately 400 online reviews, ARI’s average rating sits at around 2.2 stars, falling below the average for homeowners insurance companies.


An image of Ari home insurance reviews: Photo courtesy: Facebook


What to Know about American Risk Insurance Company

Established in 2007, American Risk Insurance Company currently operates in three states: Oklahoma, Texas, and Louisiana.

Their offerings include various personal coverages such as homeowners insurance, renters insurance, condo owners insurance, and commercial property insurance.

As a privately held insurance company, ARI boasts a modest team with fewer than 50 employees, as per their LinkedIn profile.

They pride themselves on their accessibility, offering 24/7/365 claims services to their customers.

With a reputation for stability and a positive outlook, ARI has garnered an impressive overall “A” rating from Demotech.

This rating underscores ARI’s commitment to providing exceptional coverage, ensuring reliability and peace of mind for their customers.

Is ARI a good insurance company?

ARI is a relatively new player in the insurance market, yet it boasts a strong rating from Demotech.

However, it’s worth noting that the carrier is not rated by the BBB. With customer feedback being quite mixed, it’s challenging to ascertain whether ARI can be classified as a reliable insurance company.

Does ARI have good homeowners insurance?

ARI provides various insurance products, including homeowners coverage.

The company’s official website highlights several benefits associated with their homeowner’s coverage.


These include Replacement Cost on Dwelling, and offering extensive coverage of perils subject to conditions and exclusions.

Additionally, coverage is provided for personal belongings and contents on an actual cash value basis, with the option to purchase replacement costs for contents.

Legal Liability protection for Bodily Injury and/or Property Damage to others is also included, though subject to policy limitations.

Moreover, ARI offers coverage for additional living expenses in case of temporary displacement due to a fire or other insured peril.

For further information about ARI’s homeowners insurance and its range of products, individuals can seek assistance from an independent insurance agent.

What Discounts Does ARI Offer?

ARI does not readily provide information about its specific discounts.

However, an independent insurance agent can assist in identifying any discounts you may be eligible for through the carrier.

Independent insurance agents are dedicated to finding you the most cost-effective coverage that meets your needs effectively.

American Risk Insurance FAQs

What is ARI’s average claims response time?

While ARI offers comprehensive information on filing claims, they do not commit to a specific claims response time frame.

What is ARI’s customer service availability?

ARI’s customer service phone department does not specify business hours, but their claims department is accessible 24/7/365.

What is ARI’s claims process?

According to ARI’s official website, the claims process involves providing your name, contact information, policy number, and a detailed description of the loss.

After ensuring safety, contacting emergency services if necessary, and documenting the damage, you should promptly contact American Risk Insurance Company at 713-559-0700.

Does ARI offer a user-friendly experience for customers?

ARI provides a highly user-friendly experience with 24/7/365 claims reporting, online bill payment options, and several social media contact channels.

American Risk Insurance Claims

To file a claim with ARI, you can reach them easily by phone. They emphasize their round-the-clock availability, every day of the year.

Local Phone Numbers:

  • 713-559-3600
  • 713-559-0700

Toll-Free Number:

  • 1-866-635-9959


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American Risk Insurance, established in 2004, currently employs approximately 10-50 individuals.

Operating in just three states, the company provides a range of personal and commercial insurance products.

Despite mixed customer reviews, American Risk Insurance maintains a stable financial standing, as indicated by its A- (Excellent) rating from AM Best.

This rating assures a certain level of confidence in the company’s ability to fulfill claims.

However, it’s advisable to seek guidance from an experienced insurance agent before proceeding with American Risk Insurance.

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