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.
Home - Liberty Mutual
Life - QuinStreet Life
Health - eHealthInsurance
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 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.
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.
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.
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
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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.
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.
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.
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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.
Best Insurance Quote Providers:Auto Insurance - Liberty Mutual
Home Insurance - Liberty Mutual
Life Insurance - QuinStreet Life
Health Insurance - eHealthInsurance
Business Insurance - Hiscox Insurance
About the Author
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.