BBB Business Review

BBB Accredited Business since 12/01/1981

Berkshire Hathaway Home State Insurance Company (Headquarters)

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(402) 393-7255View Additional Phone Numbers3333 Farnam St # 300, OmahaNE 68131-3406

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BBB Accreditation

A BBB Accredited Business since 12/01/1981

BBB has determined that Berkshire Hathaway Home State Insurance Company meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

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Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised Berkshire Hathaway Home State Insurance Company's rating include:

  • Length of time business has been operating.
  • Complaint volume filed with BBB for business of this size.
  • Response to 4 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.

Customer Complaints SummaryRead complaint details

4 complaints closed with BBB in last 3 years | 2 closed in last 12 months
Complaint TypeTotal Closed Complaints
Problems with Product / Service4
Advertising / Sales Issues0
Billing / Collection Issues0
Delivery Issues0
Guarantee / Warranty Issues0
Total Closed Complaints 4

Customer Reviews Summary Read customer reviews

0 Customer Reviews Customer Reviews on Berkshire Hathaway Home State Insurance Company

Customer Experience Total Customer Reviews
Positive Experience
Neutral Experience
Negative Experience
Total Customer Reviews 0 Customer Reviews

Complaint Breakdown by ResolutionAbout Complaint Details

Complaint Resolution Log (4)
06/16/2014Problems with Product / Service | Read Complaint Details

Obtained cargo ins. Exclusions are SO exhaustive it is tantamount to not having insurance at all. Virtually no scenario they cannot deny your claim!
I'm an owner/operator of small transport co. Mandated to have cargo insurance. Insurance coverage provided by BH contains so many exclusions that are so exhaustive in what they won't cover, that there is literally no scenario which they cannot find an angle to deny your claim. They're cargo coverage is nothing more than catastrophic, highly improbable, weather related occurrences. For example: they WON'T cover "...scratching, marring or shifting...of cargo"! They WILL cover a lighting strike-how would you substantiate a lightning strike??? The exclusions to coverage leave you without coverage-PERIOD! This is the worst insurance company on earth. They leave you completely & utterly exposed to every sort of risk & situation that can happen. They are so huge & so well funded that there is no way to negotiate or fight back. They take your premium & completely throw you under the bus. DO NOT use this company. They are a fraud! They tuck the exclusions to coverage way back in the packet of information. Had I known that I was, for all practical purposes, uncovered, I would have gone elsewhere to a real insurance company. Absolutely unconscionable business practice. Almost anything & everything that could go wrong with cargo is uncovered & they know it. They can even twist language to deny weather related situations. Mine was caused by rain that caused my securing of the cars to become displaced. Had it not rained, the measures I took would have been completely reasonable, appropriate & safe. The rain/weather, caused the problem & they denied it anyway, taking the position that it was my mishandling & poor loading that caused the damage. Do not be fooled. Any reasonable person would have the exact same reaction to this situation. I don't know how they stay in business with these sort of business practices. No wonder ************* is a billionaire-FRAUDULENT SCAMMER!!!

Desired Settlement
I want BH to revisit my claim. Look at the weather reports for the **, ** area for the day of the incident & acknowledge that I obtained cargo insurance for exactly this sort of situation & pay my claim. I'm a small business owner. Had I known I was uncovered, I would have sought out real insurance, not a horribly inferior product. Their exclusions make it clear that they pretty much ONLY cover weather related scenarios-that's what this was. It was NOT my poor handling or loading. It was safe & secure until the rain caused the displacement of the set-up. Using BH's criteria, they can even deny most weather related situations . For example: it may have flooded, but had the carrier put it in a submarine, it would have been protected! or, yes, the lightning struck it, but had the carrier put it in a steel/concrete package, it would have not been torched! or, yes, the tornado blew it away, but had the carrier taken nothing but tunnels on clear, sunny days, the item wouldn't have been exposed to the tornado!!! Ridiculous? Not so much in my case. This claim should be paid, period.

Business Response

Mr. ******* *******

Better Business Bureau

Re: Better Business Bureau Case No. *********
Claim No.: ************
Insured: ******* ** *******
Claimant: ******* ********
Date of Loss: **************

Dear Mr. *******:

In conjunction with the above claim, on ************ we received the "Consumer's Original Complaint" and "Consumer's Desired Resolution" as stated in the ************ Better Business Bureau letter. This was referred to me for response, which is set forth below.

Pursuant to your application, Berkshire Hathaway Homestate Insurance Company (BHHIC) issued a policy of insurance to you effective ***************** to *****************. Included in the policy forms was "Cargo Coverage Form Broad Form," form "M4427a (04 2008)."

BHHIC on ************* received from you notice of a loss reported to have occurred on **************. You reported that you transported a ************************ and a ******************** from ***********, ******** to ********, ********, after which damage to the ************ was discovered from the trailer ramp having "dug into" its tail fin(s).

The claim was assigned to a Claim Specialist, who engaged *************************** of ********, ********, and **** of ******** to assist in completing the investigation into the reported loss. When the claimant, ******* ********, was contacted, he reported that the ******************** was damaged as well, apparently from rubbing against the ************ during transit. ********************* contacted you to determine facts related to the loss, including obtaining photographs of the vehicles involved. ********************* also contacted the claimant, ******* ********. **** of ******** inspected and completed estimates of damage to both vehicles.

Investigation indicated that you folded the trailer ramp against the rear of the ************************ and placed blanketed boards between the ramp and the vehicle. At some point during transit, the board and blanket came loose, allowing the trailer ramp and its "jaw shaped teeth" to contact the vehicle directly and damage it.

The Cargo Coverage Form Broad Form contained in your insurance policy grants coverage for:


"(ii) your legal liability as a motor carrier or bailee for physical 'loss' to 'cargo' owned by

This form also contains exclusions, including the following exclusion:

"This insurance does not apply to any of the following:


11. 'Loss" caused by:
a. shifting of a load in or on an 'auto';
b. leakage, breaking, marring or scratching, rough handling, or poor packing;

unless caused directly by fire, lightning and explosions, collision, overturning of the
'auto,' floods, windstorm, or theft."

After completing its investigation, BHHIC informed you by letter of ************ that the policy issued to you does not apply to this loss. Specifically, you were informed that the loss resulted from poor packing and/or shifting of the load, both of which are excluded by the policy.
A basic principle of insurance is protection against risks that cannot be avoided by reasonable conduct. Investigation shows that boards you chose to prevent this damage were not secured adequately. You could have prevented damage by employing other reasonable methods of loading and securing the vehicles and ramp. Further, the event of rain en route was not fortuitous. You should reasonably have expected rain or snow traveling from ******** to ******** in February.

In summary, we have found no evidence to support the Complaint filed with the Better Business Bureau. Instead, we believe that the investigation and resolution of this claim was consistent with the contract of insurance and compliant with state mandates.


*** ********
Claim Operations
Berkshire Hathaway Homestate Insurance Company

03/10/2016Problems with Product / Service
11/23/2015Problems with Product / Service
03/02/2015Problems with Product / Service

Industry Comparison| Chart

Insurance Companies, Insurance Services - Commercial, Insurance Consultants, Insurance Claim Processing Services, Insurance - Workers Compensation, Insurance - Property, Insurance - Liability, Insurance - Life, Insurance - Fire & Flood Specialists, Insurance - Auto

Additional Information

BBB file opened: 12/01/1981Business started: 01/20/1970
Licensing, Bonding or Registration

This company is in an industry that may require licensing, bonding or registration in order to lawfully do business. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

Type of Entity


Incorporated: January 1970, NE

Contact Information
Principal: Mr. Don Wurster (President)
Business Category

Insurance Companies, Insurance Services - Commercial, Insurance Consultants, Insurance Claim Processing Services, Insurance - Workers Compensation, Insurance - Property, Insurance - Liability, Insurance - Life, Insurance - Fire & Flood Specialists, Insurance - Auto

Products & Services

This company offers property and casualty insurance. They also provide governmental insurance programs, a workers compensation specialty division and claims services.

Alternate Business Names
Berkshire Hathaway Homestate Companies
Industry Tips
Insurance Coverage

Map & Directions

Map & Directions

Address for Berkshire Hathaway Home State Insurance Company

3333 Farnam St # 300

Omaha, NE 68131-3406

To | From


3 Locations


    9095 Rio San Diego Dr #400 

    San Diego, CA 92108

  • 3333 Farnam St # 300 

    Omaha, NE 68131-3406(402) 393-7255

  • PO Box 2350 

    Omaha, NE 68103-2350

Industry Comparison ChartX

The information in the table below represents an industry comparison of businesses which are of the same relative size. This is based on BBB's database of businesses located in Nebraska, South Dakota, The Kansas Plains and Southwest Iowa. Businesses may engage in more than one type of business. The percent of time the business engages in a type of business is not accounted for. There is no known industry standard for the number of complaints a business can expect. The volume of business and number of transactions may have a bearing on the number of complaints received by BBB.

*Berkshire Hathaway Home State Insurance Company is in this range.


Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.


Additional Phone Numbers

  • (800) 488-2930

BBB Complaint Process

Your complaint will be forwarded to the company within two business days. The company will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the company's response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.


BBB began including complaint response text in BBB Business Reviews on August 1, 2013.

BBB reports the complaint response text for all reportable complaints against a business that are received electronically.


Industry Tips for Insurance Companies

Insurance Coverage

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BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

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BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

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