Grange Insurance Review

RATINGS BY CATEGORY
Premium Price
Claims Process
Consumer Feedback
Financial Strength
OVERALL
Products  |  Price  |  Claims  |  Complaints  |  Financials  |  Bottom Line

Grange Insurance Summary

Grange Insurance was founded in 1935 to service the needs of rural drivers. Today, Grange sells auto, home, business and life insurance products to customers in 13 states.

Aside from selling insurance products, Grange is active in charity and community outreach. It provides nature-based education for children in Ohio through its Grange Insurance Audubon Center, which has been operating since 2009.

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Insurance Products

Auto Insurance

Grange sells motor vehicle coverage for personal automobiles, recreational vehicles and motorcycles.

Basic policies include liability protection for bodily injuries and property damage. Full coverage insurance adds collision, comprehensive, uninsured motorist and personal injury coverage, depending on the customer’s preferences and the state where the policy is issued.

Grange also provides multiple supplemental coverages that can be added to any auto policy. These include identity theft protection, towing, rental reimbursement and lease gap insurance.

Grange’s specialty insurance plan is called Personal Auto Plus Protection. This plan includes an endorsement for new auto replacement, allowing you to replace your vehicle with a new car rather than receiving a depreciated cash value. It also includes air bag replacement, locksmith reimbursement, coverage for electronic equipment and accessories, and waiver of deductible for accident-free drivers.

Discounts

Discounts are available to Grange drivers with multiple policies, drivers with good grades, and those who complete defensive driving courses. There are also discounts in place for hybrid vehicles and cars with extra safety features.

Home Insurance

Grange offers property insurance policies for homes and other dwellings. It also provides renter’s insurance, which covers the personal belongings of a home or apartment renter as well as many liability issues that may arise.

Homeowners insurance coverage can be modified to suit the needs of the policyholder. In general, basic insurance offers the following coverages:

  • Dwelling protection for the house itself.
  • Other structure coverage for any additional buildings on the property, including fences, detached garages or sheds.
  • Personal property/contents protection, which covers all of an insured’s belongings regardless of where they are at the time of the loss.
  • Loss of use, which covers the expense of a hotel or other arrangement when an insured’s home is unlivable.
  • Personal liability insurance, which compensates other people for injuries or property damage caused by the insured in the event of an accident.

Aside from these basic coverages, Grange policies can also be customized with extra protection. For example, additional coverage for personal computers, equipment and valuable personal belongings can be added to boost the protection.

One unique product offered by Grange is assisted living care coverage, which offers insurance for personal property and liability for relatives residing in assisted living facilities.

Life Insurance

Grange offers term and permanent life insurance products to individuals as well as selling group plans to employers. Policies available to individuals include:

Aside from life insurance plans, Grange also provides long term care insurance. These plans provide for the cost of assisted living or other nursing care when the insured grows older or becomes incapable of taking care of themselves.

Business Insurance

Grange provides business insurance for companies of all sizes. Policies are available for commercial property and automobiles as well as various types of business liability insurance.

Grange’s BusinessAssure plan is a comprehensive policy offering a variety of coverage options:

  • Building and personal property coverage
  • Business income protection in the event of a covered loss
  • Equipment breakdown
  • Auto protection for hired and non-owned vehicles
  • Protection against identity fraud

Grange Insurance Price (Rates)

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Grange only sells products through commissioned insurance agents and this almost always drives up the cost of a policy. Those looking for low-cost insurance are going to have a better time going with a direct-to-consumer company like GEICO or Esurance.

That being said, every company has their own underwriting guidelines, and direct insurers will not beat an agent-based company 100% of the time. Anyone concerned about price should get a quote directly from a Grange agent and compare it to those from other companies.

Claims

Grange claims can be filed online, over the phone or through a local agent’s office.

To file a claim online, you will need an account on the company’s website. This account can also be used to look at the status of your claims and view your policy’s coverage or pay the bill.

Claims can also be filed 24/7 by calling 800-445-3030. The claims staff will gather the initial loss information and pass it on to a local handler, who will investigate further if necessary.

Life insurance claims and annuities can be filed by calling 800-399-3797.

Consumer Research and Complaints

The Grange Mutual Casualty Insurance has been accredited with the Better Business Bureau since 1970, and it has B rating. The BBB website lists 41 complaints against the company in the last three years, with 18 having been closed during the last year. Of these, the overwhelming majority are listed as problems with the product or service.

Financial Strength

Rating CompanyGradeFinancial Outlook
AM BestAStable
FitchN/AN/A
S&PN/AN/A

Bottom Line

The vast majority of insurance companies manage to maintain an A rating with the Better Business Bureau, but somehow Grange has kept a B since our first review back in 2013. Not a good sign in our opinion.

Nothing really jumps off the page in Grange’s favor, so if you have other options you should check them out.

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Summary
Reviewer
Eric Stauffer
Review Date
Reviewed
Grange
Author Rating
2

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About the Author

Eric Stauffer

I am a former insurance agent turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


Comments

  1. Elizabeth says

    A grange customer drove right into my car. The car was damaged and i was injured. The woman in charge of my claim made many promises, but kept none. Now they won’t return four phone calls and messages. i will be contacting the Ohio State Insurance regulators and filing a fraud complaint against them. They are stealing money by not paying legitimate claims.

    • Mitch says

      Grange is a terrible insurance company when it comes to paying claims… and their adjusters are viscous . I also had a Grange insured vehicle (semi truck) slam into my rearended on the interstate.(The semi truck even had bad tires ,brakes and expired tags over 24 months old.. but Grange insured the trucking co anyway)… Grange will constantly low ball you on your vehicle damages and valuation ( like $1200-1500 low), refuse a rental or loss of use damages and fight claims for months in court, even when they know it’s their insured’s fault. Good thing many states now have “bad faith” insurance laws, where punitive damages can be accessed against insurers like Grange whole take advantage of claimants.. talk to a lawyer, do not take Granges lowball “appraisals” as fair.. go to Kelleybluebook.com for true vehicle values. I have also filed law suit and a complaint with insurance commission in GA

      • Rhonda says

        Don’t feel bad Grange are not only vicious to the people their insured hit but also to their insured. I have made a colossal mistake allowing this company to insure my vehicle. I informed Grange for the 3rd time today in a week that I was keeping my salvage but it seems for some reason Grange had issues with that and I was informed that I would have to pay the tow fee where my car was not drivable and towed from the accident scene to the wrecker yard as well as the storage fee for (15 days) that it incurred per day UP FRONT out of my own pocket and I would get reimbursed when ever or if ever this is all settled. I have spent $530 out of pocket, double what the joke of an insurance company has spent out on my claim so far. Grange has spent a total of $267.?? on this entire ordeal and yet I have paid nearly double. He said it would take several months before could look for a penny as their company would not pay out any funds until they get a salvage title back from the state and that could take several months. In translations he was saying, ” We will give you the run around, drag our feet, aggravate you, add insult to injury, show little to no concern, inconvenience you for jokes and giggles all while being proud of our bad faith practice to the very best of our ability.” This insult to the insurance industry has been no help to me at all an I UNFORTUNATLY am one of the insured with this company. I don’t believe I have ever gotten anyone on the phone I have always waited for a call back and to much surprise someone has called with no help at all but merely just a call back to aggravate me even more. I am more than sure that they will drag my case out for a unreasonable amount of time. I am very dissatisfied with the lack of service and the tone of the adjusters as well as the unwillingness to resolve this matter so that we can both move on from here. I to will be calling the BBB tomorrow and more than likely filing suit as well. I am only one person but I would vote that this company should never be allowed to practice their bad faith in the state of Georgia. This entire situation has taught me a valuable lesson. I can only pray that this situation will come to an end in the very near future and they won’t drag their feet on ending our relationship forever. God be with anyone who does business with this company.

  2. Taylor says

    My service with them has been absolutely horrible. I’m 22 years old and I filed claim because a icicle fell from our roof and broke my air conditioner. They don’t return calls or emails. And when they finally answered my call- she basically denied the things she said (which I had saved in email). It’s almost June and I have a husband who works 70+ hours outside- and after going through 3 weeks of filing this claim she had the guts to say “it’s not like you need it right now it’s not hot out”. She gave me a list of things she needed and I got them right away. I had three estimates and sent them in. Then she told me she was going tk issue the check. I called after 3 days of not hearing from her and now she says she needs them tk come back and write more information! I’m pissed!

      • Christine Higgins says

        Yeah, they are pretty rude and contradict themselves a lot! I am 39 and they still talked to me like I was stupid!

  3. Francine Rose says

    I own a commercial Butler-type bldg, formerly used as an antiques store. Closed the biz & am using it as storage. I will lease half of it (1200 sf) to a friend, while the other half remains storage. Although for sale, but no bites.

    3 yrs ago I filed a claim with Traveler’s for damages from a busted water pipe. Premiums have since tripled. Notified my ins agent of my current status who notified Trav. Have heard zip. Called another ageny who quoted from Grange. I’m insurance savvy, & reading your comments, I don’t think Grange would make a good partner. What to do? I live in GA.

  4. Christine Lynch says

    A Grange client hit my car 10 days ago. The car is totalled and I was injured. It took 6 days just to get someone to call me back. The receptionist was really rude and the adjuster said they couldn’t do anything until they got in touch with their client. Nothing has been done and they refuse to return my calls.

    • liz says

      This does not surprise me. I was in a wreck in Feb 2014–it took 3 weeks for them to figure out the car wouldnt start and that it was a total loss–then they stopped the rental because it was now a total loss–it is now mid April, and my bank has still not received payoff–when i emailed and asked an update, (because they weren’t informing me of anything unless I asked them) I was told that I was hindering their ability to process other claims because I was asking for updates and to stop asking! I called a manager and to my amazement, they defended the adjuster. 8 weeks and still no outcome. I’d like to see how they would handle this if they were in my shoes.

      • Rhonda says

        I live in Atlanta and made the biggest mistake of my life when I became a associated with Grange insurance. I was hit September 8,2014 by an uninsured driver. I spoke with granger the next day I THOUGHT everything would ok since they got me a rental car and filed the claim. a few days later the adjuster came out and said my car was a total loss and “someone” would be in touch with me about the figures. It took 2 days later because she was out of the office for spa day while I waited. She informed me that my Cadillac CTS was a total loss and after the deductible and, “PRIOR DAMAGES” ….your amount comes this amount. I did not agree with the amount and felt like they low balled me so I disagreed. First off, I have never heard of an insurance company going through the part of a car trying to find imperfections in the vehicle then charging their insured for scraps and scratches but GRANGE INSURANCE LOOKED AT THE PARTS OF THE CAR THAT WAS NOT IN THE ACCIDENT CAME UP WITH A REDICULUS AMOUNT TO REPAIR THINGS THAT DID NOT MAKE MY CAR INOPERABLE AND DEDUCTED THAT FROM THE SETTLEMENT OFFER WHICH WAS ALREADY LOW. My question is, why the ^)%! would I pay the price for any repairs on a vehicle that is now considered salvage. To top it all of when I informed them that I would be keeping my salvage I was told that NO MONEY will be paid to me until after they get the salvage title back from my state in which he claimed would take 7 MONTHS….LIEEEERRR no state would take 7 months this is a current issue not yet settled so he figure he will wait me out and make even more money off of the salvage… NOT going to happen. I am getting an attorney. Then on top of that they took the rental car back after they made that joke of an offer saying that the car had to be returned 72hrs after the initial offer even though nothing is settled. The customer service does NOT exist they the treat you like you are nobody. I would not advise anyone to deal with this company. I can’t imagine how they stayed in business since 1932 somebody need to check the records on that. Worst counterfeit company I have ever dealt with lesson well learned. If you can go to ANY OTHER insurance company I would advise you to do so.

    • Janella says

      This is so terrible to say we pay insurance to this company and when its time to file a claim you end up stressed out. My experience was that some one backed into my vehicle in the middle of the night. I called the cops and the claims department. I had all the information I needed so the process could go smooth. My entire process has been terrible the adjuster [Redacted] has been rude, nonchalant and very unprofessional. I called 5 times leaving messages just to get 1 call back from here. This lady is not on the consumer side. Every time we spoke she was nasty in her voice tone.The appraiser was not knowledgeable of how to asset damages instead of looking at the pictures he assumed some was damages the other half of the vehicle that also were damage during the accident was not going to be repaired by them. To say that, I am so dissatisfied with the way they handle me as a client. Even when I spoke with the manager [Redacted] he was also short spoken and rude to me, not going to bat for me as a client. The one lady I spoke too was awesome [Redacted].. This person needs to be with a better company that actually cares about there people.

  5. Rhonda says

    My husband was driving my car on thanksgiving and he was in a car accident. The police ruled both vehicles as no fault. My insurance company don’t want to pay my claim because he wasn’t listed as a driver on my insurance, so they say that was fraud. Is this true?

    • Eric Stauffer says

      Hi Rhonda,

      As far as I am aware, the vast majority of insurance companies require spouses to be listed on the policy. This may be different for couples with unusual circumstances, such as separated status, but for the most part this is the case.

      In certain situations you can exclude a spouse from the contract intentionally, but they are not covered if they drive the car. This may be the case when one spouse has an awful driving record or a couple DUIs and has decided to stop driving all together.

      Your insurance company may be a little quick to jump to the term “fraud,” but I am not personally aware of all the details. The bottom line is that your spouse should be listed on the policy if you live together. If you signed up through an agent they should have walked you through that when they were asking about other licensed drivers in your house. If you signed up online, then its on you as the person filling out the form to be honest about all licensed drivers.

      Just because the insurance company made an initial ruling, certainly does not mean that is final. You can appeal the process or even hire a lawyer to pursue it. Just because they said no doesn’t mean you should stop fighting it.

  6. Steve says

    General liability insurance is a joke. They will pay for damage if you are not working on a project. But if you have a problem with something that you are working on, you are on your own. They should call it scam bs insurance. DO NOT GET GL THROUGH GRANGE. It is a scam.

  7. Rose says

    Currently w/ auto owners for all ins. Happy. Been with them for years. No claims for judging. A family friend in ins has grange ins. Deductible is higher on some things to keep rate close to what I am currently paying. Having second thoughts. How do you feel about auto owners vs grange?

    • Eric Stauffer says

      Hi Rose,

      As an overall view of the two companies, I prefer Auto Owners to Grange for a number of different reasons. First, Auto Owners has great consumer rating scores from both J.D. Power and Consumer Reports. Second, there are not a lot of reports of Auto Owners dropping their customers after a claim, which a lot of insurance companies do. Finally, Grange has both low financial strength ratings compared to other insurance companies and their Better Business Bureau is not an A.

      Of course none of that factors in price, which can be a big part of your decision. All other things being equal, I would personally go with Auto Owners.

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