Celina Insurance Group Review

Celina Insurance Group
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Celina Insurance Group is made up of four distinct insurance companies: Celina Mutual, National Mutual, Miami Mutual and West Virginia Farmers Mutual. Each of these companies offers different products, but all offerings are marketed under the Celina Insurance Group name and through similar distribution channels.

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.

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Insurance Products

Auto Insurance

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.

Home Insurance

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.

Celina Insurance Group Rates

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.

Curiously, the company website also doesn’t make it easy to find agency information: There is no listing of agents or a search function to find a local one, as many other insurance company websites have. The Agency Connect link on the site leads to a portal for independent agents to log in and access account information.

Claims

There is little by way of claims support or information on the Celina Group website. 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.

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.

Consumer Research and Complaints

Celina Insurance Group is listed on the Better Business Bureau site, but it is not BBB accredited. There are only two complaints listed.

Financial Strength

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

Bottom Line

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 – not only does it rely on independent agents to make sales, but finding such an agent online is unnecessarily difficult.

In addition to the difficulty experienced trying to find an agent, the same was experienced when trying to find simple answers to questions as basic as what coverage’s the company actually offers.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

Summary
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Celina Insurance Group
Author Rating
2

Comments

  1. Michael davis says

    They do not return phone calls. They drag out paying out claims. Hire an attorney don’t waste your time with them. Don’t do what I did. Waiting on them to make an offer on car wreck .

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