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Integrity Insurance Review

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UPDATED: Jan 25, 2019

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Integrity Insurance
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Founded over 80 years ago, Integrity Insurance provides personal lines products to cover all major types of personal lines, as well as business insurance. This super-regional insurer aims to provide quality products with the right balance of personal attention and modern technology.

Integrity Summary

Like many other homegrown insurance companies, Integrity was founded as a mutual insurer to cover farms. The company was created in 1933 in Appleton, Wisconsin. Over time the company expanded into Minnesota and Wisconsin, and moved into the personal lines market. Today they write the big three – auto, home, and life – as well as business insurance.

In 2001, Integrity completed an affiliation agreement with Columbus-based insurer Grange Insurance. This expanded their coverage further, to a total of 13 states across both companies. It also gave Integrity a stronger financial backing and more solid position in the industry.

Integrity writes insurance exclusively through independent agents, and although they don’t offer any online quoting, they do offer online account access for policyholders on the website. This allows customers to manage their policies and track claims.

Insurance Products

Integrity offers auto, home, and life insurance as well as commercial coverage for small businesses.

Auto Insurance

Integrity has a strong auto insurance program with all of the basics as well as plenty of options that you don’t always see with smaller, regional insurance companies. Basics include liability, comprehensive, collision, rental reimbursement, and towing and labor coverage.

Options in addition to the common ones include:

  • Pet medical
  • Mobile device coverage
  • Original Equipment Manufacturer parts
  • Identity theft
  • Loan/Lease Gap coverage

Integrity also offers coverage for boats, recreational vehicles, and motorcycles, although the website offers no details on these policies, mentioning them only as part of the auto insurance program description.

Home Insurance

Integrity offers homeowner’s package policies that are designed to cover the house itself, personal property, and liability. Their policies also offer a variety of options that can be added on for additional protection. These include:

  • Water and sewer back-up coverage
  • Replacement cost coverage
  • Extra coverage for jewelry, furs, and other valuables
  • Identity theft

Integrity also has condo policies available to cover the specific needs of condo owners who share responsibility for the structure with a condo association. They also write renter’s insurance and provide coverage for personal property in an assisted living facility.

Additional Products

Life Insurance

Integrity offers life insurance, but the website doesn’t indicate what type of policies they write or offer any details regarding their products. The life insurance page directs customers to contact an agent for more information.

Business Insurance

Integrity offers business coverage for a variety of company types. Their coverage options include:

  • Commercial property and auto
  • Worker’s Compensation
  • Employment practices liability
  • Commercial Umbrella
  • Employee life insurance

They also offer a commercial package policy that brings together several of the most common coverage options.

Integrity Rates

The website promises competitive prices, but also makes clear that the company aims to provide the right balance between price and the best products and services.

Small regional insurers rarely compete with the big direct-buy insurance companies when it comes to rates. Policies sold by agents generally include commissions, which can drive rates up. Smaller companies also lack the financial backing to provide the lowest rates, although Integrity’s affiliation with Grange certainly helps them in that department.

The Integrity website will direct customers to an agent in their area to obtain a rate quote.

Claims

Integrity has a 24-hour claims reporting hotline which can be accessed toll-free at 1-800-445-3030.

They also accept claims online, but customers must first log into their account on the website. There is no claims form available without logging in, so this limits the ability of non-customers who are involved in an accident with an Integrity insured to file a claim.

There is a separate phone line for life insurance claims, which can be reached at 1-800-399-3797.

Claims can also be reported to an agent for any type of policy.

After the claim is reported, it will be assigned to an adjuster who will contact the insured as soon as possible in order to gather more details and begin the investigation of the claim. This includes inspecting the damage to the vehicle and verifying coverage on the policy.

Integrity offers a network of preferred repair shops that work directly with the claims department and guarantee their work for as long as the car is owned by the insured. Policyholders also have the option to select their own repair shop.

Consumer Research and Complaints

Integrity Insurance is not accredited by the Better Business Bureau, however, they do have an A+ rating, and there are only two complaints on file in the past three years. Complaint volume does tend to be lower for smaller companies, but these numbers are low even for a regional insurer.

This low complaint volume matches what we found in a further search for customer complaints or reviews. There are no complaints against Integrity in any of the usual places; in fact, we weren’t able to turn up any complaints outside of the BBB.

This may be in part due to some confusion based on the somewhat common name of the company – there are several insurance companies and agencies with similar names. Still, it doesn’t appear that there is much to report in terms of issues with this company.

Financial Strength

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

Bottom Line

If you live in one of the areas that Integrity covers and you’re seeking the personal service of an agent, they are well worth considering.

This company offers comprehensive insurance programs with all of the basics of personal insurance, and has a solid reputation. Integrity aims to strike a balance between cost-effective insurance products and excellent service, and they aren’t likely to be the cheapest option available. For those who value low cost above all, Integrity might not make the grade. However, if you are willing to pay a little more for personal attention and good products, they’re a company to add to your rate comparison list.

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

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Review Information

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Integrity Insurance
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My 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.

4 Comments

  1. I worked with [Redacted], AMD Claims Representative at Integrity. From the beginning, [Redacted] was responsive and understanding. My car was not able to be driven and needed to be repaired immediately. I needed a rental to conduct my job visiting clients in Chicago. All of this was handled by [Redacted] quickly and most importantly the absence of my car was not a hindrance. Thank you again!

    Reply
  2. In October 2016 in Fl. we had a hurricane. I’m still waiting for the check to repair my house. My roof is done, but waiting for the insurance so I can pay what I owe. Other things were damaged they didn’t want to pay. Still waiting to be reimbursed. 6 months later.

    Reply
  3. If I could give a 0 I would have done that.!! This is the WORST insurance company I have ever worked with. I am still working on a claim and its been almost 9 months.. I get the fact that they try to low ball you.. but WOW I’d rather be hit again by their client’s car then have to deal with these horrible people. Its bad when I get hit by their client and now after still dealing with this horrible situation I still feel violated since they will not be even closely be reasonable. Here is the Jist of the story.. I HAD a used Prius.. I replaced the battery less than 2 weeks prior to their client hitting me, and they tell me they will only pay me 200 for a battery that cost me 1300. Yea I feel ROBBED!!!! I told them this is unacceptable.. and they are telling me “WHATEVER”… or “NOTHING WE CAN DO FOR YOU”.. How wrong can a company be!!! I’ll Spread this across the web.. But I doubt they even read their own posts.

    Reply
  4. Not the greatest insurance company to deal with while I had them. When I canceled my policy I think they were upset. They fabricated an extra charge and basically blackmailed me into paying it. The letter I received basically said pay this or we will send it to a collection agency and we will hurt your credit rating. I asked by phone and email to explain the charges and the only response I got was that it was for services rendered. m Woo and there is nothing I can do but pay it. I have a 780 credit rating so I’m not a dead beat chump.

    Reply

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