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Hallmark Specialty Personal Lines: Your One-Stop Shop for Comprehensive Insurance Solutions

As an independent Hallmark insurance agent, I have the privilege of working with various insurance companies to find the best fit for my clients. One such company that stands out is Hallmark Insurance Co., also known as Hallmark Financial. Founded in 1987, Hallmark Financial has become a leading provider of various insurance products, from home and auto insurance to business, life, and health insurance.

This article aims to look in-depth at Hallmark Financial, its products and services, financial performance, customer reviews, claims handling process, and more. Whether you’re a potential client seeking reliable insurance solutions or an independent agent considering a partnership, this comprehensive overview will offer valuable insights into what makes Hallmark Financial a trusted choice in the insurance industry.

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Company Overview and History

Hallmark Insurance agent tucson

Hallmark Financial Services, Inc., also known as Hallmark Financial, is a diversified specialty property and casualty insurance company based in Dallas-Fort Worth, Texas. The company was founded in 1987 and has since become a leading provider of insurance products in the United States.

Hallmark Financial offers a wide range of insurance products to businesses and individuals, including commercial and personal lines of insurance. The company’s portfolio includes personal and commercial automobile insurance, general liability insurance, umbrella insurance, commercial multi-peril insurance, commercial property insurance, business owner’s insurance, and workers’ compensation insurance, among others.

In the 1990s, Hallmark Financial went public and began trading on the NASDAQ under the symbol HALL. Throughout the 2000s, the company expanded its product offerings and geographic presence, building a solid foundation in the insurance industry. The 2010s saw steady growth for Hallmark Financial, with a continued focus on providing innovative insurance solutions to its customers.

Today, Hallmark Financial remains committed to its mission of providing specialized insurance products and excellent customer service to businesses and individuals across the United States. The company’s ability to provide customized product offerings across commercial and personal lines is a distinguishing trait of Hallmark Financial. It maintains deep distribution relations with exquisite execution and a scalable platform.

Hallmark Financial’s demonstrated ability to operate profitable commercial and personal insurance businesses has helped it maintain its reputation as a leading US-based insurance carrier. The company holds an “A-“ rating from A.M. Best for financial strength.

Auto Insurance

Policy Options

Hallmark Insurance provides various policy options to cater to different needs and state requirements. These include:

– **Liability Coverage**: This is the most basic form of auto insurance, covering damages and injuries to others if the policyholder is at fault in an accident. It’s a requirement in most states.

– **Full Coverage**: This option includes liability coverage and comprehensive and collision coverage, offering a more complete protection package. Comprehensive coverage protects against non-collision-related damages such as theft, fire, or natural disasters. In contrast, collision coverage pays for damages to the policyholder’s car in the event of an accident.

– **Non-Owner Policies**: Designed for individuals who do not own a vehicle but may need to drive occasionally. This coverage provides liability protection when the policyholder is driving a car not owned by them.

Special Inclusions

Hallmark’s auto insurance policies may include several unique inclusions to provide additional protection:

– **Uninsured and Underinsured Motorist Coverage**: Protects the policyholder in an accident where the other party is at fault and does not have sufficient insurance.

– **Comprehensive and Collision Coverage**: As part of the full coverage option, these protect against a wide range of damages to the policyholder’s vehicle.

– **Medical Payments**: Covers medical expenses for the policyholder and passengers in the event of an accident, regardless of who is at fault.

– **Towing and Labor**: Provides assistance and covers costs if the policyholder’s vehicle needs towing or emergency roadside repair.

– **Rental Reimbursement**: Offers compensation for rental car expenses while the policyholder’s vehicle is being repaired due to a covered loss.

State Availability

Hallmark writes auto insurance policies in specific states, including:

– Arizona

– Arkansas

– Nevada

– New Mexico

– Oklahoma

– Tennessee

– Texas

This geographical focus allows Hallmark to tailor its offerings and understand the specific insurance requirements and needs of residents in these states.

Hallmark Financial provides insurance solutions for nonstandard drivers, including those with foreign driver’s licenses or SR-22 requirements. The company offers auto insurance policies in several states, including Arkansas, Tennessee, Oklahoma, Texas, New Mexico, Arizona, and Nevada. With various discounts and bilingual agents, Hallmark Financial aims to cater to the diverse needs of its customers.

Renters Insurance

Policy Options

Hallmark Insurance offers rental insurance with the following policy options:

– **ISO HO-4 Broad Form**: This form is designed for renters and covers personal property against specific perils listed in the policy. It is a standard form used across the industry for renters insurance.

– **ISO Personal Liability Form**: This provides liability coverage to the renter, which can protect them if they are found legally responsible for injury to others or damage to their property.

– **Policy Term**: The standard policy term offered by Hallmark is 12 months, providing renters with a year of coverage.

Coverage Limits

The coverage limits for Hallmark’s rental insurance are as follows:

– **Contents Limits**: Renters can choose personal property coverage limits ranging from $5,000 to $40,000, which can help replace belongings in the event of a covered loss.

– **Liability Limit**: The liability coverage limits available are $25,000, $50,000, or up to $100,000, which can help protect the renter from financial losses if they are sued for damages or injuries.

Optional Coverages

Hallmark also offers optional coverages that renters can add to their policies for additional protection:

– **Liability Increase**: Renters can increase their liability coverage from $50,000 to $100,000.

– **Medical Payment to Others Increase**: This optional coverage can increase the medical payments to others, with limits ranging from $500 to $5,000.

– **Identity Recovery**: Provides up to $15,000 annual aggregate coverage for expenses related to recovering from identity theft.

– **Equipment Breakdown**: Offers up to $50,000 per event for damages to equipment due to breakdowns.

Additional Benefits

– **Loss of Use**: Automatically applied, this provides coverage for additional living expenses if the rented property becomes uninhabitable due to a covered loss, with a limit of 20% of the personal property coverage.

– **Animal Liability**: A sub-limit of $25,000 is included for liability related to animals owned by the renter.

– **Medical Pay to Others**: A standard $500 coverage for medical payments to others injured on the rented property is included.

– **Loss Settlement for Contents**: The standard loss settlement for contents is on an actual cash value basis.


Hallmark Insurance is recognized for offering competitive rates and various discounts that make auto and rental insurance more accessible and affordable for a wide range of budgets. Here’s a detailed breakdown of the costs associated with Hallmark Insurance’s offerings:

Competitive Rates

Hallmark Insurance is known for its competitive pricing in the insurance market. Auto insurance rates start at $59 per month for liability coverage. This indicates Hallmark’s commitment to providing affordable insurance options to its customers. The company’s ability to offer competitive rates is partly due to its focus on specialty personal lines, which allows for more tailored pricing strategies to meet the specific needs of different customers.


Hallmark Insurance offers a variety of discounts that can significantly reduce premiums for auto and rental insurance policies. These discounts include:

– **Multi-Car Discount**: Customers insuring more than one vehicle with Hallmark can receive a discount on their premiums.

– **Homeowner Discount**: Owning a home can qualify you for a discount on your auto or rental insurance policy.

– **Recurring Payment Discount**: Setting up automatic payments for your premium can lead to savings.

– **Multi-Policy Discount**: Bundling multiple insurance policies, such as auto and renters insurance, with Hallmark can result in lower overall costs.

– **Prior Coverage Discount**: Continuous insurance coverage before switching to Hallmark can earn you a discount.

– **Foreign Driver’s License Discount**: Hallmark offers discounts to drivers with a foreign driver’s license, recognizing the diversity of their customer base.

These discounts are designed to make insurance more affordable for many customers, from those with multiple vehicles to homeowners and even individuals with foreign driver’s licenses. By taking advantage of these discounts, customers can significantly reduce their insurance costs while still enjoying the comprehensive coverage that Hallmark provides.

Choosing your local Hallmark insurance agent, such as the Blake Insurance Group, can offer several advantages:

**Personalized Service**: Local agents are often more accessible than large national companies. They can provide personalized advice, help you navigate complicated insurance policies, and provide peace of mind that you are adequately covered.

**Local Knowledge**: Local agents are familiar with the local area and can recommend more tailored coverage options that meet your needs and any regulations specific to your state or city.

**Cost Savings**: Local agents can shop around for the best rates for their clients, potentially saving you money on premiums.

**Expertise in Working with Insurers**: Navigating the claims process can be tricky and time-consuming. Having a local agent familiar with insurers can streamline this process and ensure everything is handled correctly and efficiently.

**Hallmark Specific Benefits**: Hallmark Insurance offers competitive rates, affordable payment plans, and flexible coverage options. They also have a best-in-class quoting and policy administration system, full electronic signature capabilities, and client self-service options, including 24/7 online account access.

**Community Involvement**: Local agencies are often more involved in your community, which can lead to a more personalized and caring service.

**Broader Product Offering**: As an independent agent, Blake Insurance Group has access to policies from multiple insurance companies, allowing them to offer a broader range of products and find the best fit for their clients.

Claims Process

Hallmark Insurance emphasizes efficiency in its claims handling process, aiming to provide quick and effective resolution for its policyholders. The claims process typically involves the following steps:

**Contacting the Claims Department**: Policyholders should initiate the claims process by contacting Hallmark’s claims department. This can be done through various means, including phone, fax, or email. For personal lines claims, the contact information is as follows:

   – Phone: 800-486-4255

   – Fax: 469-298-5750

   – Email:

**Providing Information**: Policyholders must provide all necessary information about the incident when filing a claim. This includes details such as the date, time, and location of the incident, as well as any documentation supporting the claim, like photos of the damage or witness statements.

**Documentation**: It is important to submit any relevant documentation supporting the claim. This may include police reports, photographs of the damage, repair estimates, and other pertinent information that can help assess the claim.

**Cooperation with the Adjuster**: An adjuster will be assigned to the case once a claim is filed. Policyholders should cooperate with the adjuster, providing them with the necessary information and documentation to process the claim efficiently.

**Follow-Up**: Policyholders are encouraged to follow up regularly with the claims representative to obtain updates on the status of their claim and to provide any additional information that may be requested to facilitate the claims process.

Hallmark’s claims process is designed to be straightforward and user-friendly, focusing on providing excellent customer service and ensuring that claims are handled promptly and fairly.

Customer Service

Hallmark Insurance’s customer service is designed to be accessible and accommodating to its clients’ needs. Here’s a detailed overview of their customer service based on the provided information:

Contact Information

For general inquiries, Hallmark Financial’s corporate headquarters can be reached at:

– Phone: 817-348-1600

For personal auto and renters insurance-specific inquiries, the contact information is:

– Phone: 800-486-5616

– Policy Services Email:

– Agency Services Email:

– Policy Services Fax: 800-876-6960

Claims can be reported to:

– Personal Lines Claims Phone: 800-486-4255

– Claims Fax: 469-298-5750

– Email:

Customer Reviews

Customer reviews on the Better Business Bureau (BBB) website indicate that some customers have had negative experiences with Hallmark’s customer service, particularly regarding communication and claims handling. Complaints include difficulties getting updates on insurance claims and dissatisfaction with the service claims adjusters provide.

Complaint Handling

Hallmark’s responses to customer complaints on the BBB website show that they address customer grievances and forward them to the appropriate department for review. They aim to respond to complaints within ten business days and provide contact information for further communication.

Wait Times

A customer review on WalletHub mentions that Hallmark’s customer service is “impeccable” and that wait times are minimal when calling for assistance, such as requesting extra insurance cards or verifying coverage.