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.
Grange Insurance Summary
Grange Insurance was founded in 1935 with rural drivers as their focus. In the wake of the Second World War, the company expanded their product offerings, adding home, life, and business insurance over the years. They 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. There is no online quoting available.
Grange writes all of the big three in personal insurance: auto, home, and life, as well as some specialty products. Their commercial policies cover a range of different industries, including farmers.
Grange offers a solid auto insurance program that includes all of the basics as well as some options and add-ons that are not always seen with smaller insurance companies. In addition to the common options like rental reimbursement and towing & labor, Grange 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 offers a good list of common discounts, including multi-policy, accident free, defensive driver, and discounts for homeowners even if they don’t insure with Grange.
Grange offers insurance policies for a range of specialty vehicles. These include:
- RVs and travel trailers
- Antique and classic cars
- Golf carts
Grange offers homeowner’s insurance with all of the basics 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 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
Grange also writes coverage for condo owners as well as renter’s insurance to cover personal property.
Life insurance products from Grange Insurance are available in a variety of formats. The company offers:
Business coverage from Grange Insurance 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
Since there is no online quoting, 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 cheapest insurance around.
As with most such companies, Grange relies on having good products and better service to put them ahead of companies with which they can’t 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.
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 makes claims reporting simple and easily accessible.
Like 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 like most insurance companies. An adjuster is assigned and investigates the incident, inspecting 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.
Grange Insurance has been BBB accredited since 1970, and has an A+ rating as of the time of this review. There are a total of 43 complaints on record with the BBB in the past three years, and 16 of them were closed in the past 12 months. That’s not a high number of complaints given the size of the company.
Grange has 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.
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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.
For a list of companies that we recommend, visit our Best Insurance Companies page.