Grange Insurance Review & Complaints: Auto, Home, Life & Business Insurance (2023)

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Created to serve the needs of drivers in rural areas, Grange Insurance has grown over many decades to offer multiple personal and business insurance products across several states. Working with what they call the “Ease of Doing Business” model, they have become a popular regional insurance choice.

What is Grange Insurance?

Grange Insurance was founded in 1935 with rural drivers as their focus. In the wake of the Second World War, the company expanded its product offerings, adding home, life, and business insurance over the years. The company also expanded beyond Ohio, where they still have their headquarters in Columbus, to serve a total of 13 states today.

The Grange Mutual & Casualty Group is a group of several companies offering a variety of different products in the states they serve. Products are available in Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin. No longer only focusing on rural customers, Grange covers a wide customer base with all of the basics of personal policies as well as commercial coverage.

Grange Insurance products are sold through independent agents in the states they serve, providing personal and local service. The company’s website does not offer online quoting as an option.

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What types of insurance products are offered?

Grange writes all of the big three in personal coverage: auto, home, and life, as well as some specialty products. Their commercial policies cover a range of different industries, including farmers.

Does Grange Insurance Company offer auto insurance policies?

The company offers a solid auto insurance program that includes all of the basics as well as some vehicle coverage options and add-ons that are not always seen with smaller insurance companies. In addition to the common options such as rental reimbursement and towing & labor, it offers:

• Identity theft coverage
• Loan/Lease gap coverage
• Insurance coverage for recorded music such as CDs
• Personal Auto Plus, a package endorsement that includes new car replacement, waiver of deductible, locksmith services, airbag replacement, and rental car loss of use in addition to several other features and benefits

What types of discounts are available?

Grange auto insurance offers a good list of common discounts, including a multi-policy discount, an accident-free discount, a defensive driver discount, and discounts for homeowners even if they do not insure with Grange.

What about specialty vehicles?

Grange offers policies for a range of specialty vehicles. These include:

• Motorcycles
• Boats
• RVs and travel trailers
• ATVs
• Snowmobiles
• Antique and classic cars
• Golf carts

Are homeowners insurance premiums offered?

Homeowner’s policies with all of the basics are offered as well as several extras that can be added on. Coverage includes structure replacement cost, personal property coverage, and liability, and there are both individual and package endorsements available.

Available individually are coverage options such as equipment breakdown, sewer and drain backup, assisted living coverage, and high-value item endorsements. There are also two levels of add-on packages.

Vantage Plus increases the replacement cost coverage for the dwelling itself and increases contents coverage with replacement cost. Additionally, it includes:

• Mortgage extra expense
• Refrigerated goods
• Lock replacement
• Building ordinance/law
• Personal injury liability
• Non-owned watercraft liability

Signature Home is the highest level of homeowners policy, with the highest limits for replacement cost on the structure as well as personal property. In addition to everything included in the Vantage package, it also adds:

• Collections and other high-value items
• Tree and plant coverage and debris removal
• Business property
• Additional Living Expenses
• Fire department charges and fire extinguisher recharge/replacement
• Coverage for trailers
• Fraud coverage for credit cards, bank transfers, and more

It also writes coverage for condo owners as well as renter’s policies to cover personal property.

Is business insurance available?

Business coverage provides comprehensive package protection for a variety of industries. Policies include:

• BusinessAssure Businessowner’s package policies
• Commercial Auto
• Commercial Umbrella
• Commercial Package policies
• Worker’s Compensation
• Employee Benefits
• Farmowner’s package policies

Are Grange Insurance’s insurance rates competitive?

Since online quoting is not available for this company, it is difficult to do a price comparison for Grange Insurance. As a regional insurer offering their policies through agents, it is not likely that they will be the least expensive insurance around.

As with most such companies, it relies on having good products and better service to put them ahead of companies with which they cannot compete in terms of price. Agent commissions generally raise rates, but the availability of personalized service is worth a little extra expense to some drivers.

What is the Grange insurance company’s financial strength rating?

Rating Company	Grade	Financial Outlook
AM Best	A	Stable
Fitch	N/A	N/A
S&P	N/A	N/A

Grange Insurance Claims Procedure

Ease of Filing a Claim

Grange Insurance offers multiple convenient methods for filing a claim. Customers can file claims online through the customer portal, over the phone via the 24-hour reporting system, or through their local agent. The availability of these options makes the claims process simple and easily accessible for policyholders.

Average Claim Processing Time

While specific information about the average claim processing time is not provided in the content, Grange Insurance’s use of a network of preferred repair shops can help expedite the repair and claims process. These preferred shops offer a lifetime guarantee on repairs, ensuring that customers’ vehicles are repaired efficiently.

Customer Feedback on Claim Resolutions and Payouts

Grange Insurance has an A+ rating with BBB and a relatively low number of consumer complaints, which is a positive indicator of their claim resolution process. While there are some scattered negative reviews related to claims service, the overall feedback from customers appears to be satisfactory.

Features of Grange Insurance’s Digital and Technology

Mobile App Features and Functionality

The content does not provide specific details about Grange Insurance’s mobile app features and functionality. However, it mentions that the company offers online account management capabilities, which suggests that the mobile app may include features for policyholders to manage their insurance policies, view claims, and more.

Online Account Management Capabilities

Grange Insurance offers online account management capabilities, allowing policyholders to access and manage their insurance policies online. While the content does not delve into the specific features of the online account management system, this convenience is a valuable digital feature for customers to have easy access to their policy information.

Digital Tools and Resources

The content does not provide specific information about digital tools and resources offered by Grange Insurance. However, the availability of online account management and the option to file claims online indicate that the company likely provides digital tools to assist customers in managing their insurance needs efficiently.

What’s the bottom line?

Grange Insurance has a standard lineup of products and offers a lot of features and services that are less common in regional insurance companies, putting them in line with some large national insurers.

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