Remco Insurance Review (Auto, Renters, & Homeowners) 2024

Looking for a full-service insurance provider in Texas? You may have heard of Remco Insurance Company and their services. But is this small company a good choice for you? We’ll help you find out.


Remco Insurance is a Texas-based insurance company operating since 1987 and is headquartered in Austin, Texas. The company offers many insurance policies including auto, renters, and home insurance across Texas. In addition, they also provide:

  • Watercraft insurance
  • Motorcycle insurance
  • Classic car insurance
  • Commercial property insurance
  • Commercial auto insurance
  • Flood insurance
  • SR 22 coverage
  • Roadside assistance

As a small company based in and operating only in Texas, Remco is an option to consider for Texans if they need an easy to access, cheap, and customizable insurance coverage. The company currently operates 90+ retail offices in more than 30+ cities in Texas for easy access to new and existing customers.


Remco auto insurance is fully customizable while providing coverage perks for your vehicle.

Related: OpenHouse Insurance Review

What you should know about Remco

The assets and names of Remco Insurance have been acquired. Remco Insurance along with its former employees are now Pronto Insurance. However, you can still get a quote or talk to agent via the Remco website.

Remco auto insurance

Carrying car insurance in Texas is a requirement for all drivers by law. Ranked top three in the U.S for the highest accident cases and about 4,496 car accident fatalities in 2022, Texas has become one of the most dangerous states to drive in.

Having the right auto coverage can be of great help in distressing times. Remco auto insurance coverage can help you cushion the effects of a car crash.

Their auto coverage policy can help fund:

  • Vehicle repairs resulting from multiple causes
  • Injuries to both yourself and others
  • A new vehicle if an accident totals your car
  • Property damage you cause to third-party property
  • Rental cars, roadside assistance, and towing services

As per requirement from Texas laws, drivers must carry certain auto insurance coverage to use the road. So when you enroll for Remco auto insurance you will find various types of coverages included in your auto policy.

Some could be obligatory while others are optional to use. Here are some included coverages.

Remco auto insurance coverage

Remco insurance coverage

Liability insurance: All auto operators in the state of Texas are required to carry liability insurance in their auto policy.

This policy can help if you’re responsible for causing an accident that injures someone or damages their property. It’s not insurance for your own car; instead, it covers the costs you might owe to other people involved in the accident.

Texas law requires a minimum policy coverage starting:

  • $30,000 bodily injury coverage per person
  • $60,000 bodily injury coverage per accident
  • $25,000 property damage coverage per accident

Keep in mind that these figures are only minimum limits. More expensive injury damage means you will spend more than your limits, so it is recommended that most drivers carry liability limits of a much higher value.

Collision Insurance: Imagine you accidentally hit a tree while driving your car, and your car gets damaged and needs repairs, Remco collision insurance will pay for the vehicle repairs.

Regardless of who is at fault in a car accident, this coverage can help drivers cover the cost of repairing or replacing their own car if it’s damaged in an accident.

Medical Coverage: Texas insurers often offer Personal Injury Protection (PIP) coverage that pays for the medical bills of you and your passengers.

Comprehensive Insurance: Apart from accident-related damages, your car can suffer from cases like theft, vandalism, natural disasters, etc. If you have comprehensive insurance in place, you will get paid for the damages.

Uninsured/underinsured Insurance: This coverage protects you if someone causes damage to your car and they do not have insurance. It is also helpful if the person who caused the damage runs away.

Additional benefits could also be added to your coverage including roadside assistance services, glassdoor coverage, and more. Do well to ask a Remco agent when enrolling for a policy about coverage perks if they are available for you.

Also check: Toggle Car Insurance Review

Remco homeowners & renters insurance

Having the right homeowner’s coverage in Texas is of utmost significance. In the event that your apartment is damaged due to environmental hazards, vandalism, theft, fire, or flood, this insurance can help cover the cost of repair or replacements resulting from damages to your home.

Remco homeowners & renters insurance coverage

Like most homeowners insurance, Remco also provides basic homeowners policies you can buy including:

Personal property coverage: All homeowners policies typically start with personal property coverage. As an essential part of the policy, it can help cover costs when you lose personal belongings like furniture, electronics, clothing, and other household contents.

Structure insurance: Remco structure insurance can help cover buildings and other physical structures from various risks. It will pay for repairs to or reconstruction of your house from damages such as fires, storms, or vandalism.

Accidental medical payment coverage: In the event that you and a friend are involved in a car accident, MedPay can cover the medical bills that arise from your injuries.

Liability coverage: If you cause harm to someone else, such as causing property damage or bodily injuries, through your negligence, you can use this coverage to pay for their losses.

Scheduled items: Remco’s basic homeowners policy can help you insure highly valued items like jewelry or expensive gadgets.

Loss of use coverage: If your house suffers significant damage from a fire, making it unsafe to live in and you have Loss of Use Coverage as part of your homeowner’s insurance, it can help cover the cost of staying in a temporary residence, like a hotel or rental apartment.

In addition, this coverage can also assist with additional expenses like restaurant bills that may increase because you can’t cook at home.

Detached structure coverage: While some insurers do not include this coverage in their standard policy, Remco detached structure coverage can pay for repairs of your storage sheds or carports, and fences.

Related: Sure Renters Insurance Review

Types of homeowners insurance policies offered by Remco

With about 8 standard homeowners insurance policies to choose from, Remco can help recommend the policy that’s right for you.

  1. HO-1 (Basic Form Policy): Provides limited coverage for specific named perils, typically covering damage from things like fire, lightning, and theft.
  2. HO-2 (Broad Form Policy): Offers more comprehensive coverage than HO-1, protecting against a broader range of named perils, such as hail, windstorm, and falling objects.
  3. HO-3 (Special Form Policy): This is the most common and universal policy, protecting your home from all risks (except those specifically excluded) and offering named peril coverage for personal belongings.
  4. HO-4 (Renter’s Insurance): Designed for renters, it covers personal belongings and liability, but doesn’t include the structure itself since renters don’t own the property.
  5. HO-5 (Comprehensive Form Policy): Provides extensive coverage for both your home and personal belongings, typically with fewer exclusions and more protection.
  6. HO-6 (Condo Insurance): Tailored for condominium owners, it covers your personal property and portions of the condo not covered by the condominium association’s policy.
  7. HO-7 (Mobile Home Insurance): Specifically for mobile or manufactured homes, it offers coverage for the structure and personal property.
  8. HO-8 (Older Home Insurance): Made for older homes, it reimburses repair costs rather than replacement and is used when replacement value coverage is too expensive.

Also check: Find Car Insurance Lawyer For Accident Claims

Remco Insurance cost

According to Nerdwallet, the average cost of car insurance in Texas is $200 a month for full coverage and $65 a month for minimum coverage. Here is the average annual premium cost of Remco auto insurance for different driver profiles in Texas.

Remco auto insurance cost

Driver ProfileLocationAverage Annual Premium
Single Adult, Good DriverAustin$900 – $1,400
Single Adult, Good DriverDallas$950 – $1,500
Single Adult, Good DriverHouston$1,000 – $1,600
Married Couple, Good DriverAustin$800 – $1,300
Married Couple, Good DriverDallas$850 – $1,400
Married Couple, Good DriverHouston$900 – $1,500
Young Driver, No AccidentsAustin$1,500 – $2,500
Young Driver, No AccidentsDallas$1,600 – $2,600
Young Driver, No AccidentsHouston$1,700 – $2,700
Senior Driver, Good RecordAustin$800 – $1,300
Senior Driver, Good RecordDallas$850 – $1,400
Senior Driver, Good RecordHouston$900 – $1,500

Note that the above figures are estimates and the exact figure of your auto policy could vary depending on your coverage levels.

Remco homeowners/renters insurance cost

Here is the average home insurance rate in Texas for a policy with $300,000 dwelling coverage for major cities according to

  • Houston — $4,827
  • San Antonio — $3,551
  • Dallas — $4,424
  • Austin — $3,419
  • Fort Worth — $4,263
  • El Paso — $3,059
  • Arlington — $4,334


Remco does not publicly announce or advertise its discounts. Little is known if it does provide it to customers. You can talk to an agent to know if any is available when you bundle or enroll for a policy.

Remco Insurance availability

As a small company that is still expanding, Remco auto, home, and renters insurance is available only in the state of Texas.

Here are the areas Remco currently serves.

North Texas
Forth Worth
South Texas
Corpus Christi
Texas City
San Antonio
East Texas
West Texas
Eagle Pass
El Paso
San Angelo
Central Texas
Round Rock
San Marcos

Pros and cons of Remco Auto Insurance


  • Full-service insurance
  • Customizable policy
  • Cheap insurance rate less than the national average
  • Quick quote


  • Not available in all U.S states. Texas exclusive
  • No mobile app
  • Inconsistent claims process

How to enroll for Remco insurance

To register and buy a policy from Remco, visit the company’s website, or talk to an agent today at (800) 282-2000 to get started.

Remco reviews and ratings: What real customers are saying

Remco has received mixed reviews from several review sites. On BBB, Remco has a 3.75 rating from 8 reviews. Currently, Remco is not BBB-accredited

Some users have expressed optimism about how Remco helped them sort out their insurance needs, while some customers have complained about getting customer service.

“I bought an auto insurance to buy a car from a private owner. We were to meet at the auto title-change office to transact the sale (cash). The seller pulled out last minute. Now that I have another new car, I am happy to continue being remco customer but to my dismay, my ********************** is cancelled and in the process of being refunded, but my $100 deposit can’t be transferred. My agent told me to call your customer complaint line. I called the customer complaint line for 2 days there is no one picking up. I left my first message 48 hours ago there hasn’t been a single call from Remco. I tried calling customer sales number and they tell me complaint line is very busy. Your customer service, for not prioritising handling customer complaints, is a failure. I am sure I am not the first person now will I be the last to buy used vehicles this way. Is it ethical/fraudulent to take my deposit when the car title never changed hands to my name at all? Should I take my business elsewhere? There is no email address for complaints!”, a user said on BBB.

On, Remco Insurance has 4.9 ratings from 25 reviews.

Is Remco right for you?

If you reside in Texas and need an insurance company that offers full-service insurance that you can easily access – it’s worth getting a quote from Remco. You can talk to an agent to explore more about Remco’s offerings.

Don’t forget that it is always important to compare insurance policies from different providers to get the one that’s best for you. You can use Otto to compare multiple insurance rates.

Frequently Asked Questions (FAQs)

Is Remco insurance good?

Remco has been serving cities in Texas since 1987. Reviews from shows that the company offers excellent service to policyholders.

Does Remco offer SR-22?

Yes, you can get SR-22 as an addon in your Remco auto policy. SR-22 is not mandated by law in Texas but is necessary for drivers with high risk as they are more likely to file for insurance claims than other drivers.

How do I file a claim with Remco Insurance?

You can file a quick claim on Remco’s website. There you will find respective claims phone numbers that are associated with your company.

Does Remco offer roadside assistance?

Yes, roadside assistance is also included in Remco’s auto policy.

Am I covered no matter how my home is damaged?

Your policy will not cover all types of damages to your home. If the damage type is excluded from your policy, then you might not get a cover. Intentional damages are also not covered.