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About Grange Insurance Association
Grange was founded in 1883 in White Salmon, Washington by the Washington State Grange, who created a fire insurance cooperative. By 1933 the company had grown and established headquarters in Seattle. In 1944, automobile insurance was added, and the company adopted the name Grange Insurance Association.
Expansion over time into neighboring states led to the company’s current position, with policies available in Washington, Oregon, Idaho, Wyoming, California, and Colorado. In 2016, Grange introduced subsidiary GranWest, which provides auto insurance in Washington.
Grange remains a mutual company, owned by its policyholders and not by stockholders. Today they write a range of property and casualty insurance, including several specialty products, and also over auto and watercraft insurance. Products are sold by agents located in the coverage area, although the headquarters remains in Seattle.
Grange offers home insurance, umbrella insurance, auto and boat coverage, and specialty property & casualty products for a variety of farm and ranch operations. The website indicates that a variety of multi-policy discounts are available.
Grange’s home products encompass standard homeowners, manufactured homes, condos, and renter’s insurance. Coverage may vary from state to state. HomePak Plus is the standard homeowner’s insurance package policy. It includes 125% replacement cost coverage for all structures, personal property coverage, and personal liability, all common options for a homeowner’s package. In addition to these, the policy includes many standard and less common additional benefits. Two of the most notable benefits are refrigerated property coverage and 50% coverage for lock replacement, both of which are often optional endorsements or only included in higher-level policies.
HomePak Premier is Grange’s upgraded homeowner’s policy and includes everything in the Plus policy with upgrade coverage in several areas. This increased coverage provides:
- 150% replacement cost coverage on the home
- Additional perils coverage for personal property
- Extended coverage for high-value items like jewelry
- Increased coverage for refrigerated property
- Full lock replacement coverage with no deductible
In addition to what is offered on the package policies, Grange has further endorsements that can be added to increase coverage or provide for specific needs. This includes things such as small business, incidental farming, and recreational vehicle liability.
Condo insurance policies include coverage for personal property as well as for the portion of the structure for which the owner is responsible, usually everything inside the building. Like the homeowner’s policy, Grange’s condo policy includes a lot of standard coverage, including refrigerated items and full lock replacement. Many of the same optional endorsements as those offered on the homeowner’s policy can be selected for a condo policy as well.
Renter’s insurance offers many of the same options seen on the other package policies. Personal property is covered at full replacement cost, which is not always the case on renter’s policies. As with all of the other products in the home section, there is a good list of optional endorsements for the already comprehensive policy.
Grange’s auto insurance policy includes all of the basics as well as a few extra benefits and options. Policies are sold either through Grange Insurance Association or GranWest, depending on the state of residence.
Basic coverage is liability protection that meets the legal requirements of each state. Policies can also include collision and comprehensive coverage to pay for damage to your own car in case of an at-fault accident or non-collision damage.
Grange offers towing and roadside assistance as a standard part of their full coverage policies – policies that include collision and comprehensive. This is often an option that comes with an extra premium, so it is a bonus to see it included.
Other optional coverage available on the auto policy includes coverage for a trailer, whether a travel, utility, boat, or recreational vehicle trailer, coverage for custom equipment, and gap insurance for loan or lease.
Farm, Ranch, Orchard, and Vineyard
Grange offers coverage for farms, ranches, orchards, and vineyards through the FarmPak program. This is a flexible plan that can be customized to meet the particular needs of each individuals farming or ranching operation. These products are designed for family operations and include coverage for farm dwellings, equipment, and even animal collision as part of the base package.
Add-on coverage can be chosen for specific needs such as milk coverage for dairy farms, and protection for spoilage for vineyards and orchards. Commercial auto liability coverage is available as well.
Grange’s Country Estates program is designed for hobby farms. Coverage under this plan provides for the areas that are not protected under standard homeowners, such as farm outbuildings and equipment.
Among Grange’s other product choices are umbrella, second dwelling, and watercraft policies.
Umbrella coverage is offered with limits from $1 million to $5 million. This coverage is designed to increase your liability protection above and beyond what your underlying home and auto policies provide.
Boat and watercraft products cover liability and damage to motorboats, sailboats, and a variety of other pleasure craft.
Grange also writes dwelling property and liability coverage for second or seasonal homes, or those rented to others.
Both the boat and the secondary dwelling products are written as supplemental to an existing policy in force with Grange.
Grange does not offer online quoting but does have a quick search box to help with locating a local agent. Interestingly, the company history indicates that they did launch online quoting in 2006; that seems to have been rolled back at some point.
Without a rate quote, it is difficult to compare Grange to other companies, even though they do offer policies in our sample area.
Grange Insurance has a quick online claims reporting form available that involves simply entering contact information and a quick comment; it is not a full claim filing. This form will ensure that a claims representative contacts you – the website says within 24 hours – in order to begin the filing of the claim. Alternatively, the insured can simply call the 24-hour claims line to go directly to the filing process.
Grange uses Safelite, a popular auto glass repair service, to handle glass-only auto insurance claims. There is a link to the Safelite Solutions page, through Grange’s website, where a glass claim can be filed online.
Grange does not appear to have a preferred repair network but state instead that the insured can use the repair shop of their own choosing. This also applies to contractors chosen for home and other repairs.
Ratings and Consumer Reviews
Grange Insurance Association has an A+ rating with the Better Business Bureau, and only four complaints have been filed in the past three years. Two of those complaints were closed in the past year. This is a low complaint volume for a company of this size and scope.
Of the four reviews on Yelp, two are positive and the other two are negative. It is worth noting that both negative reviews came from people who were not Grange customers, but rather were involved in an accident with a Grange customer.
There are several reviews of another company going by a similar name, which causes some confusion. Those shopping around for car insurance should be careful to check which Grange the reviews reference by verifying the company address.
Overall, there are few complaints about this company, and enough positive reviews to create a favorable impression of Grange’s service.
The Bottom Line
Grange Insurance is likely to appeal to those who prefer a smaller, mutual insurance company serving a smaller region. Since rates can only be obtained by contacting an agent, we are unable to compare them to other companies; the agent-driven system may be a deterrent to those who prefer to handle everything personally online. Overall, however, we found little in the way of negatives for this company, and their policies are somewhat above and beyond what similar companies provide as a standard.
For a list of companies that we recommend, visit our Best Insurance Companies page.