Grange Insurance Review & Complaints: Auto, Home, Life & Business Insurance

Grange Insurance provides a range of auto, home, life, and business insurance products in 13 states. Its commercial policies cover a range of different industries, including farmers. Its rates can only be obtained by contacting an independent insurance agent.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His 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.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 22, 2020

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Grange Insurance

Financial Strength

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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 insurance 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 insurance coverage: auto, home, and life, as well as some specialty products. Their commercial policies cover a range of different industries, including farmers.

Auto Insurance

The company offers a solid auto insurance program that includes all of the basics as well as some auto 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
  • Coverage for recorded music such as CDs
  • Personal Auto Plus, a package endorsement that includes new car replacement, waiver of deductible, locksmith services, air bag replacement, and rental car loss of use in addition to several other features and benefits

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

Specialty Vehicles

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

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

Home Insurance

Homeowner’s insurance with all of the basics is 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 coverage, 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 insurance to cover personal property.

Business Insurance

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

Are the Company’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, 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 insurance 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 policyholder.

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

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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 Insurer’s Financial Strength Rating?

Rating Company Grade Financial Outlook
AM Best A Stable
Fitch 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.

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