This work presents a micromechanics-based model to investigate the effective thermo-electric properties of piezoelectric composite materials. The effective thermo-electric properties are derived by considering a multi-coated ellipsoidal inhomogeneity embedded in a host material in the framework of the generalized self-consistent method (GSCM). An incremental scheme, in which the reinforcements are incrementally put in the host material, is implemented. The validation of the micromechanical model is performed with experimental data. The model proposed has a wide range of applications and can be extended to other physical properties.