Our size allows us to be large enough to be competitive and small enough to care.

Personal Lines

family in front of home - homeowners insurance

At American Risk Insurance, our homeowner products are customized for the people of Texas, Louisiana, and Oklahoma.  Depending on your circumstances, we have a product that will fit your needs.

Each state features our products, our discounts and our endorsements.


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homeowner insurance

Homeowner Insurance Products

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

dwelling fire insurance

Dwelling Fire Insurance Products

Dwelling Fire Policies provide the owners of the property insurance coverage for physical damage to the structure of the home caused by fire, lightning, wind, hail, ice, snow or

High-Value Homes

High-Value Homes (Up to $1,000,000)

American Risk Insurance offers a special insurance program for homes valued between $450,000 and $1,000,000.

Personal Property Insurance from American Risk Insurance Company

Homeowner Discounts and Endorsements

Since 2007, American Risk Insurance Company has provided homeowners insurance for the residents of Texas.

Personal Insurance - American Risk Insurance Company

Personal Insurance

Starting in February of 2016, American Risk Insurance has expanded its homeowners' product in Oklahoma.

Renters and Condominium Owner's Insurance Products

Renters Insurance provides coverage for personal possessions, liability protection, and additional living expenses.

ARI News

Posted by admin on Feb 17th, 2020

American Risk Insurance Company, Inc.

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Posted by admin on Feb 26th, 2018

American Risk Insurance Company, Inc. (ARI) announced today it is offering Renters and Condominium Owner’s Insurance in the State of Texas.

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Posted by admin on Nov 2nd, 2016

Demotech, a leading financial analysis firm specializing in evaluating the financial stability of regional and specialty insurers, has affirmed Ame

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