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

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.

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.

Can claims be filed online?

Grange Insurance offers three methods of claims reporting. Claims can be called in to the 24-hour reporting system, reported online through the customer portal on a computer or mobile device, or reported to the local agent. These are options not always available from regional insurers and make claims reporting simple and easily accessible.

Similar to many major insurance companies, Grange has a network of preferred shops available for customers to use, or they can select their own insurance company. Preferred shops offer a lifetime guarantee on repairs.

Claims are handled similarly to most companies. An adjuster is assigned and investigates the incident, inspecting the damage and going over the facts, then determines fault. Policy benefits are then applied appropriately and repairs go forward. Payment can be made directly to the shop, or a settlement sent directly to the insurance policy holder.

Claims can be tracked online through the customer portal – another nice feature not always seen at smaller companies.

Are there consumer complaints against the company?

The insurance company has been BBB accredited since 1970 and has an A+ rating as of the time of this review.  There are a total of 47 complaints on record with the BBB in the past three years, and 15 of them were closed in the past 12 months. These numbers are not high given the size of the company.

It does have its share of negative reviews scattered across the various consumer review sites online, and there are also some positive reviews out there, which is always encouraging. Most of the complaints seem to be centered on claims service.

Overall, there are not big red flags in terms of the number of reviews or the content of them.

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

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.