Wellington Insurance Review (2022)

Wellington Insurance provides three levels of home protection to Texas residents. These levels of protection make home insurance more accessible to a wider range of homeowners. While you can't get a free quote directly from the Wellington Insurance website, you can contact a Wellington Insurance representative directly for more information.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Feb 15, 2022

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The Rundown

  • The Wellington Insurance Group represents many different insurance companies.
  • Three levels of coverage are available for homeowners.
  • You can shop for home insurance policies online.

There is no place like home, and the Wellington Insurance Group recognizes that, which is why this insurance institution offers different levels of coverage that can meet every homeowner’s needs. Representing a group of insurance companies, the Wellington Insurance Group may be a good fit for you — especially if you reside in a non-standard home.

If you need home insurance, keep reading to learn more about the Wellington Insurance Group and everything it has to offer Texas homeowners.

You do not have to wait until the end of this Wellington Insurance review to discover great home insurance. Enter your ZIP code to get free quotes from insurance companies near you.

What is the Wellington Insurance Group?

In 1988, Wellington Risk Insurance opened its doors for business in the Lone Star state, and the company’s headquarters are still in Fort Worth, Texas. This insurance group is comprised of multiple insurance companies, which include:

  • Aventus Insurance
  • Agricultural Workers Mutual Auto Insurance
  • Incline Casualty Company
  • Palomar Specialty Insurance
  • State National Insurance
  • Transverse Insurance Company
  • Tranverse Specialty Insurance Company
  • Trisura Insurance Company
  • Trisura Specialty Insurance Company

By bringing these insurance companies together under the Wellington Insurance Group’s umbrella, applicants throughout the state of Texas can find the best policy for their coverage needs. Additionally, none of these companies have a rating below B++ from A.M. Best.

You can always read free Wellington Risk Insurance reviews online to learn more about the customer service quality offered by this entity. Now, you must be aware that if you live outside the state of Texas, you will need to shop around to find an insurance company that provides coverage to your area.

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What types of coverage does Wellington Insurance offer homeowners?

Shopping at Wellington will reveal three different home insurance coverage levels. The levels are called:

  • Select
  • Standard
  • Value

These three levels are all carefully designed to provide different functions and make home insurance more accessible to a wide range of applicants. Because each policy has a distinct design, it is in your best interest to learn which one is better suited for your needs instead of picking a coverage level at random.

Select

If you want the highest amount of protection available through the Wellington Insurance Group, the Select plan may be an excellent match for you. This level of coverage will protect your home from 16 various perils. You will also have replacement cost coverage for the dwelling, other structures, and personal property available to you. Plus, the Select plan offers homeowners $500,000 in liability coverage and $5,000 in medical coverage.

Standard

The Standard plan from Wellington provides precisely what it says it provides — standard coverage. Your home will be protected from 12 types of perils and will also include dwelling replacement cost coverage and coverage for other structures along with personal property coverage. In addition to that, you could purchase up liability coverage with a cap of $300,000 and coverage for medical payments for up to $2,000.

You should also be aware that a named perils dwelling fire option also comes with this plan. It has an actual cash value coverage for personal property and other structures, but you must be aware that if the owner occupies the dwelling, only a replacement cost option is available.

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Value

With a Value plan, you will be able to purchase affordable yet basic coverage for your home. Only eight types of perils will be covered under this plan, and you must note that this is an actual cash value policy. You will also only be able to purchase a maximum of $100,000 in liability coverage and $2,000 in medical payments.

This coverage is still nothing to sneeze at, and if you are on a budget, you may be served very well by the Wellington Insurance Group’s Value plain.

Hopefully, you will never need to file a claim, but if you do, you file a claim online or call the Wellington Insurance claims phone number to get the ball rolling.

How much does a home insurance policy from Wellington Insurance cost?

In this day and age, it seems strange to be unable to get a quote online, but there is no free quote tool on the company’s website, so you must contact an insurance agent directly to learn more about Wellington Insurance premiums.

Although Wellington Insurance payment rates are not available at present, you can see the average rate for home insurance based on the coverage amount below. These figures can help you plan your budget as you shop for home insurance:

Average Home Insurance Rates by Coverage Amount
Coverage Limit RangeAverage Monthly Home Insurance Rates
$49,999 and Under$54
$50,000 to $74,999$62
$75,000 to $99,000$69
$100,000 to $124,999$74
$125,000 to $149,999$78
$150,000 to $174,999$82
$175,000 to $199,999$85
$200,000 to $299,999$93
$300,000 to $399,000$106
$400,000 to $499,000$124
$500,000 and Above$179
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Despite not offering a free online quote tool, Wellington does provide other modern conveniences. With your Wellington Insurance login, you’ll not only be able to make payments, but you’ll also be able to review your Wellington Insurance policy as well.

Does Wellington Insurance offer discounts?

While available discounts are not shared on the Wellington website, you can refer to this data table which illustrates typical home insurance discounts:

Common Home Insurance Discounts
New Roof
Electrical Upgrades
Fire Alarm
Home & Auto
Home & Life
Home & Umbrella
Sprinklers
Security System
Gated Community
Water Safety System
Paid in Full
Customer Loyalty
Claim Free
New Home
Fire Resistant Construction
Storm Shutters
Plumbing Upgrades
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Whenever you apply for home insurance, you should take your time so you can verify that you are not missing out on any opportunities to save money on your rates. You can also save money on your insurance by making sure that you aren’t buying too much coverage. Another strategy that you can implement to lower your rates is to shop around for insurance.

Before you buy a policy, make sure that you have collected free quotes from as least five different companies. This way you will be able to compare rates, coverage levels, and discounts. When you have all the data you need in front of you, you will be able to confidently purchase a home insurance policy.

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What You Need to Know About Wellington Insurance

Homeowners in the state of Texas can turn to the Wellington Insurance Group and purchase coverage that will fit not only their needs but also the constraints of their budget. In addition, the three plans that the Wellington Insurance Group offers make home insurance more accessible to a broader group of people.

Purchasing home insurance is a vital step in protecting your home and your belongings so when you start shopping for insurance always consider how much you need alongside how much you can afford to purchase. Following this strategy will help you find the best insurance for you.

Now that you have finished this Wellington Insurance review, you can feel confident to start shopping for insurance. Enter your ZIP and start comparing free quotes today.

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