The bottom line
Arbella Insurance home insurance is ideal for New Englanders looking for a robust policy with add-ons like water backup, service line, equipment breakdown, and cyber coverage. It also comes with rates that are one-third the cost of the national average, while still providing excellent customer service and financial stability. New customers can even save up to 20% by bundling their home and auto policies with Arbella.
However, two noticeable coverage add-ons it doesn’t offer are guaranteed and extended replacement cost coverage for your home — a drawback considering rebuild costs tend to skyrocket after a natural disaster. It also doesn’t offer an online quote tool, meaning you’ll have to contact a local agent to check your rate and purchase a policy.
Cheap rates that are 41% below the national average
Earns a perfect 5-star rating for customer service — it received 99% fewer complaints than expected for a company of its size in 2021
Mobile app makes it easy to manage your policy and file a claim from the palm of your hand
Doesn’t offer guaranteed or extended replacement cost coverage for your home
Only available in Massachusetts, Connecticut, Rhode Island, and New Hampshire
No online quote tool — must contact a local agent to get started
Basic coverages offered
Arbella home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:
Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.
Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.
Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.
Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.
Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.
Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.
Additional coverages offered
You can add these additional coverages to your Arbella homeowners insurance policy for even more protection:
Scheduled personal property: Offers higher coverage limits for specific scheduled items like silverware, jewelry, fine art, collectibles, and other priceless possessions.
Water backup: Coverage if water backs up through your sewer or drains, or if your sump pump stops working.
Service line: Pays to repair or replace underground pipes or wires on your property that are damaged due to a leak, break, tear, rupture, or collapse.
Equipment breakdown: Pays to repair or replace AC units, water heaters, and other home systems that are damaged due to mechanical breakdown.
Ordinance or law: Pays the extra cost of getting your home up to code after a covered loss.
Cyber protection: Pays to remove viruses from your computer or expenses incurred due to cyberbullying, such as relocation costs if you’re forced to move.
Personal umbrella insurance: Offers additional personal liability protection for expensive medical or legal bills you’re found legally responsible for.
Increased landscaping: Increases coverage limits to replace plants, shrubs, and trees after a covered loss.
Increased debris removal: Increases coverage limits to remove debris after a disaster.
Lock and key replacement: Pays to replace your locks and keys.
Reimbursement for fire department charges: Reimburses you for out-of-pocket fees if the fire department is called to your home.
Arson reward: Offers a reward to find the perpetrator if you’re the victim of an arson.
Landlord insurance: Includes coverage for the structure of your rental property, liability situations, loss of rental income, and landlord furnishings and appliances.
Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.
Renters insurance: Purchased by tenants, renters insurance covers the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.
Our price rating scale looks at home insurance rates for a policy with $300,000 in dwelling coverage, as well as the total number of discounts offered. Arbella's average annual rate of $1,248 is 41% below the national average.
Our customer experience scale uses data from the National Association of Insurance Commissioners (NAIC) complaint index. Arbella has a score of 0.04, which means it receives practically 100% fewer complaints than expected for a company of its size. (The expected number would be 1.0.)
Our coverage options rating is based on both the number and quality of additional coverage and policy options offered by the company. Arbella scores above-average compared to other regional home insurance companies.
Our financial strength rating is a weighted combination of three industry-leading metrics to measure a company’s financial health: AM Best, Standard & Poor’s, and Moody’s. Arbella has an A rating from AM Best, but is not rated by Standard & Poor’s or Moody’s.
How much does Arbella home insurance cost?
The average cost of home insurance with Arbella is $1,248 per year for a policy with $300,000 in dwelling coverage. This is more than $500 cheaper than the national average of $1,754 per year.
Here’s the average yearly cost of Arbella home insurance for five different levels of dwelling coverage:
Dwelling coverage limit
Average annual cost
Rates are based on our analysis of 2022 sample home insurance quotes from across the country provided by Quadrant Information Services. Actual rates will vary based on location, policy limits, coverages, claims history, and other factors.
What discounts does Arbella Insurance offer?
You can save on the cost of Arbella home insurance if you qualify for any of these discounts:
Multi-policy: Save up to 20% if you bundle your home and auto insurance with Arbella.
New home: Save up to 20% if you’re insuring a new home.
MAHA workshop: Save up to 10% if you take a Homeowner 201 or Condo Owner 202 course through the Massachusetts Affordable Housing Alliance (MAHA).
New customer: Save up to 7% if you switch to Arbella.
Mass save: Save up to 5% if you complete a home energy assessment at no cost and send the result to your agent.
Mass golf: Save up to 5% if you’re a member of the Massachusetts Golf Association.
Renew and save: Save up to 3% when you renew your policy with Arbella.
Protective devices: Save up to 3% if you have burglar alarms, fire alarms, fire sprinklers, or other safety or security devices installed in your home.
Arbella Insurance state availability
Arbella Insurance offers home insurance policies in four states: Massachusetts, Connecticut, Rhode Island, and New Hampshire.
What to expect with Arbella home insurance
How to get a quote: You can get an Arbella home insurance quote by contacting a local agent via the Find an Agent tool on its website.
Customer service options: You can get in touch with an Arbella Insurance customer service rep by calling 800-272-3552.
How to file a claim: You can file an Arbella home insurance claim by logging in to your online account, filling out a form on its website, or calling 800-272-3552.
How to cancel your policy: You can cancel your Arbella home insurance policy by calling your Arbella agent (their contact info should be on your policy declarations page), by mail, or by visiting your local agent in person.
Arbella Insurance vs. other home insurance companies
Compare Arbella Insurance to other home insurance companies in the industry:
Frequently asked questions
Is Arbella Insurance good?
Arbella Insurance is a good option for New England homeowners thanks to its excellent customer service, strong financial stability ratings, low price, and slew of valuable coverage add-ons.
What types of insurance does Arbella offer?
Arbella offers home, condo, renters, landlord, auto, motorcycle, and business insurance.
What states does Arbella Insurance cover?
Arbella Insurance is offered in Massachusetts, Connecticut, New Hampshire, and Rhode Island.
Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.
After working in publishing and book publicity for many years, she transitioned to freelance writing full time.
Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
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