Compare Insurance Quotes
The privately-held mutual company got started in 1914 as an early provider of automobile insurance to residents of Celina, Ohio. The company continues to be headquartered there, though its products are now offered in six Midwestern states. Additionally, its offerings have expanded: Aside from auto insurance, Celina Mutual and its sister companies now sell home insurance, business coverage and insurance products for farms.
It’s clear from Celina Group’s online presence that the company is proud of its history and roots in the community. As a mutual firm, all policyholders are also partial owners in the company, voting on the Board of Directors. Additionally, the company is very active in its community, donating annually to local charities and highlighting these activities on its website under the “Celina Cares” heading.
Celina Group companies offer auto and homeowners coverage to individuals. In addition to cars, Celina Mutual also sells motorcycle insurance in one of two packages: “Sunny Day Coverage,” for bikes primarily kept in storage throughout the year, and “Travel Package,” for those that sustain heavier mileage.
The site lists auto insurance coverage for liability, medical payments and uninsured motorist. Interestingly, comprehensive and collision is not listed on the site. This is probably an oversight on the part of website design, not a reflection on the company’s insurance offerings since there is no indication elsewhere that the company would not sell first-party auto insurance. Since its motorcycle coverage, for example, includes collision and comprehensive, it’s reasonable to assume that the same would be true for its autos.
However, no one at the company was able to confirm this when I called to inquire; the people staffing the “general inquiries” line were an outsourced agency for handling claims, not selling policies.
For homeowners insurance, the exact protections will vary depending on your home and needs. In general, Celina Group policies would protect your home, related structures like sheds or gazebos and your personal belongings. You can obtain additional protection through each of two optional coverage packages:
- TriGuard – which includes a bundle of personal injury protection, limited protection against sewer backup and the ability to insure personal belongings at their replacement cost.
- Portfolio Plus – the most thorough policy, which insures a home up to double its replacement value. This plan includes several other endorsements, like replacement of refrigerated food lost during a power outage and enhanced limits for damage caused by sewage backups.
Some of the endorsements offered in these packages can be purchased independently, allowing you to pick and choose the most important coverages for your home.
Business and Farm Insurance
Celina Group sells liability, commercial property and commercial auto insurance to businesses. The exact coverages available depend on the type of business and location of the policy, with some options (like workers compensation) available only in some states.
Regardless of the policy, all business plans provide coverage for business income protection and equipment breakdown as well as some identity management/theft protection products. Specialty insurance is available for those companies with unique needs, like car dealerships, churches and B&Bs.
Since Celina Group sells policies primarily in the Midwest, it also caters to farmers. Farm insurance products protect against issues like chemical drift liability, farm machinery insurance and livestock coverage. The exact coverages available will depend on the type of farm being insured. Some rural homeowners can also take advantage of farm insurance benefits without running a large-scale or commercial farm.
Policies are sold through independent agents, and there is no way to obtain a quote online or over the phone. If you call the “general inquiries” phone number, you’ll be directed to a local agency as there is no direct sales infrastructure for the company and no rate information available over the phone.
The website does have a clear place on their website that states “Find a Local Celina Agent”, once clicked, it takes you to an agency locator page. Here, you simply enter your city, state, or zip code and it will provide contacts for a nearby agency.
There is a specific spot for “Claims” on the menu bar of the Celina Group website. The page directs you to call the an 800 number or email your claim. The phone number is listed at 800-231-2318 for the claims department. This phone number goes to the same line as the general inquiries line, and is staffed out of an office rather than a major call center. The phone line is available 24/7 and is for emergency roadside assistance and after-hours claims.
Your best bet for claims service may be to call your agent first for guidance. The agent should be able to walk you through the process and may either file the claim on your behalf or facilitate communication with the insurance company to arrange an inspection and move the claim toward closure.
Celina Insurance Group is accredited on the Better Business Bureau with an A+ rating. There are only two reviews listed on the BBB site, both negative and in regards to the clients dissatisfaction with claims handling.
|Rating Company||Grade||Financial Outlook|
Celina Insurance Group is a small local insurer for Midwestern states. Its century-long history and local heritage are points of pride, but its growth is crippled by poor distribution and its reliance on independent agents to make sales.
The website provides little information regarding policy detail. The site directs you to contact a local agent for more information, however many consumers prefer to find as much information online first as this is where their research starts. There are plenty of companies who do offer more information regarding policies online, however there are instances where contacting an agent can be one’s best option.
For a list of companies that we recommend, visit our Best Insurance Companies page.