Main Street America Insurance Review & Ratings (2024)

The article delves into the intricacies of Main Street America Insurance, presenting a detailed exploration of its extensive coverage options, spanning from homeowners and renters to auto, business, and identity theft insurance. With an impressive history of over 99 years and a noteworthy A+ rating from A.M. Best, Main Street America has established itself as a reputable insurance provider.

The article sheds light on the company’s commitment to businesses through customizable policies and the inclusion of identity theft insurance, demonstrating a proactive approach to evolving customer needs.

Despite its strengths, the company faces limitations such as geographic availability in only 37 states, mixed customer feedback highlighting concerns about service and pricing, and the absence of bundling discounts.

As consumers navigate the plethora of insurance choices, the article serves as a guide, encouraging a thoughtful comparison of offerings, discounts, and customer reviews to make informed decisions tailored to individual preferences and needs.

What You Should Know About Main Street America Insurance

Welcome to our comprehensive guide on Main Street America Insurance. In this article, we will delve into the various insurance options provided by Main Street America Insurance, including homeowners, renters, and auto insurance. We’ll discuss the key features and benefits of their coverage, as well as their strong reputation backed by an A+ rating from A.M. Best.

• Main Street America offers a variety of insurance discounts that can be categorized as auto policy discounts, homeowners insurance discounts, and renters insurance
• For over 99 years, Main Street America has been committed to providing its customers with a variety of insurance options
•  Main Street America does not offer insurance bundling or bundling discounts

To ensure you find the best insurance rates and providers in your area, we invite you to enter your ZIP code and compare rates. Don’t miss out on securing reliable and affordable insurance coverage – take the first step by entering your ZIP code now.

About Main Street America Insurance

Since 1923, Main Street America, also known as Main Street America Group, has been providing its customers with insurance policies for individuals, businesses, and families. Customers can access insurance agents over the phone online or via mail. The Main Street America insurance address is listed on the website. If you would like to send a letter to their mailing address, it can be directed to:

Main Street America

P.O. Box 2300

Keene, NH 03431.

The company’s initial objective was to provide affordable insurance to the Grange Fraternity members in New Hampshire, but the more it grew, the more Main Street America service began to expand across America.

Read more: Grange Car Insurance Discounts

Given Main Street America insurance is only available in 37 states, it may not be the best choice for everyone. For individuals who are located in the areas where Main Street American insurance is available, you need to weigh your options to determine if this could be the right insurance for you.

Main Street America Overview

For over 99 years, Main Street America insurance has been overflowing with insurance coverage options. While the variety is abundant, it can also be rather overwhelming. On the other hand, many of the benefits offered at Main Street America aren’t unique or exclusive to Main Street Americans. They can be found at virtually any insurance company.

But if you like endless lists of insurance offers, and discounts on top of discounts, and you don’t mind that there are no unique discounts or bundling insurance savings, Main Street America could be the insurance for you.

Main Street America insurance may or may not be right for you, but these insurance rates have your name on them. Enter your ZIP code to start comparing insurance rates today.

Main Street America Insurance Coverage Options

Main Street America Insurance, with a rich history spanning over 99 years and an esteemed A+ rating from A.M. Best, provides a diverse range of insurance coverage options to cater to the needs of individuals and businesses. Here’s a concise overview of the coverage options offered by the company:

Main Street America Offers Business Insurance

Business owners need protection, too. That’s why Main Street America offers business owner policy coverage. These plans can be customized to satisfy the unique needs of each policyholder.

• Buildings and business personal property coverage. This benefit is designed to protect building and business owners.
• Equipment breakdown coverage. This extends breakdown protection to all equipment and technology a business may rely on.
• Employment practices liability insurance. This can defend your company against harmful allegations made about your business.
• Liability coverage. This can shield you from bodily injury and your business from receiving property damage.
• Loss of income and extra expense. Through this benefit, Main Street of America can insure your business’s net income.
• Main line extension. This includes a $150,000 blanket limit for specific coverage plans.

Main Street America offers a variety of benefits to business owners seeking peace of mind.

Main Street Offers Condo Insurance

You don’t have to be a homeowner to receive coverage at Main Street America. Whether you need homeowners insurance, condo insurance, or renters insurance, this insurance company has it all. These plans come equipped with the basic coverage necessary to help you gain peace of mind in your new home.

• Accidental slip and fall coverage
• Accidents caused by children or pets
• Liability
• Medical payments that have been made to others

Insurance plans like these are designed to safeguard your place of residence, so you can better protect yourself and your investment.

Main Street America Offers Identity Theft Insurance

Your identity is a prized possession. According to Experian, about 1 in 20 Americans become a victim of identity theft each year. With ProtectMyID, Main Street America’s identity theft insurance coverage, you can protect all of your personal information, so identity thieves can’t access your most sensitive data.

This plan includes convenient benefits designed to safeguard yourself and your personal information.

• Credit monitoring
• A credit report from Experian upon enrollment
• Lost wallet protection
• Fraud resolution support
• Up to $10,000 in Identity theft insurance (exclusively for Premier members)

Main Street America Insurance Rates Breakdown

The cost of Main Street America Insurance can vary based on several factors, including the type of coverage you choose, your location, and individual circumstances such as your driving record or the specifics of your business. To obtain accurate and personalized pricing information, it is recommended to use the provided tool on their website, where you can enter your ZIP code for a tailored insurance quote.

It’s essential to note that Main Street America Insurance offers a multitude of discounts across its auto, homeowners, and renters insurance policies. These discounts can significantly impact the overall cost, providing policyholders with opportunities to save money.

The auto policy discounts include options such as accident-free discounts, good student discounts, and multi-policy discounts, among others. Homeowners and renters can also benefit from various discounts tailored to their specific needs.

While Main Street America Insurance boasts a rich history and an extensive range of coverage options, the ultimate cost of your insurance policy will depend on your unique circumstances and the coverage you select.

To make an informed decision, take advantage of the discounts available and use the online tools provided by Main Street America Insurance to obtain a personalized quote based on your location and requirements. Remember, comparing rates and understanding the specifics of your coverage is crucial to finding reliable and affordable insurance that suits your needs.

Main Street America Insurance Discounts Available

Main Street America has several discounts available for auto, homeowners, and renters insurance policyholders who would like to save money on their insurance policy. According toCNBC, drivers can save an average of $416.52 simply by comparing insurance rates before making a decision.

When it comes to discounts, Main Street America insurance has a plethora of options available. These discounts can be categorized into three different types of discounts: auto policy discounts, homeowners insurance discounts, and renters insurance discounts.

Auto Policy Discounts

There are over 15 different auto policy discounts to choose from, including:

• Accident-free discounts
• Good student discount
• Multi-policy discount
• New customer discount
• Paid in full discount

Main Street America offers more discounts for its auto policies than it does for the other two categories.

Homeowners Insurance Discounts

There are nine different homeowners insurance policy discounts to choose from.

• Active adult discount (55+)
• Alarm credits discount (fire, smoke)
• Gated community discount
• Loss-free discount
• Loyalty savings and loss forgiveness discount
• Multi-policy discount
• New customer discount
• New home discount
• New home purchase discount

While homeowners insurance from Main Street America can cover the basics, your coverage can extend to protect your most valuable possessions.

Renters Insurance Discounts

There are eight different renters insurance discounts to choose from.

• Active adult discount (55+)
• Alarm credits discount (fire, smoke)
• Gated community discount
• Loss-free discount
• Loyalty savings and loss forgiveness discount
• Multi-policy discount
• New customer discount
• New condo purchase discount

While Main Street America Insurance offers a variety of discount options to its customers, it does not provide its members the opportunity to bundle their insurance policies to save money.

Navigating the Main Street America Insurance Claim Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Filing an insurance claim is a crucial part of any insurance policy, and Main Street America Insurance aims to make the process as straightforward as possible. Policyholders have multiple options for filing a claim, ensuring convenience and flexibility. Main Street America Insurance provides policyholders with the option to file a claim through various channels, making it easy to choose the method that suits them best.

Average Claim Processing Time

Efficiency in processing claims is essential for policyholders who need quick resolution in times of crisis. Main Street America Insurance understands this urgency and strives to process claims promptly. While the exact processing time can vary depending on the nature of the claim, Main Street America Insurance is committed to a quick and efficient claims processing system.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurance company’s performance when it comes to claim resolutions and payouts. It reflects the company’s ability to meet the needs and expectations of its policyholders during challenging times.

Main Street America Insurance values customer feedback and continuously seeks to improve its claims resolution process.

Innovative Solutions: Main Street America Insurance’s Digital Capabilities

Mobile App Features and Functionality

Main Street America Insurance understands the importance of staying connected in today’s digital age. To cater to the evolving needs of their policyholders, they offer a comprehensive mobile app with a range of features and functionalities. The Main Street America Insurance mobile app is designed to provide convenience and accessibility to policyholders.

Online Account Management Capabilities

Managing insurance policies should be a straightforward and hassle-free process, and Main Street America Insurance recognizes the significance of online account management capabilities. Policyholders can enjoy the convenience of online account management through Main Street America’s user-friendly portal.

Digital Tools and Resources

In today’s fast-paced world, having access to digital tools and resources can greatly enhance the insurance experience. Main Street America Insurance is committed to providing policyholders with valuable digital resources to support their insurance needs. Main Street America offers a range of digital tools and resources, such as informative articles, calculators, and educational materials.

How Main Street America Insurance Ranks Among Providers

Main Street America Insurance faces competition from several prominent insurance companies that offer a range of coverage options. Below, we’ll discuss some of the main competitors of Main Street America Insurance.

• State Farm Insurance: State Farm is a major player in the insurance industry, offering a wide array of insurance products, including auto, homeowners, renters, and business insurance. Known for its extensive agent network and various discounts, State Farm is a go-to choice for many seeking reliable coverage.
• Allstate Insurance: Allstate is another significant competitor known for its diverse insurance offerings. They provide auto, home, renters, and business insurance. Allstate is recognized for innovative features such as Drivewise, a program that monitors driving behavior to potentially lower premiums.
• Progressive Insurance: Progressive is a well-known name in auto insurance, often recognized for its competitive rates and innovative policies. Beyond auto coverage, Progressive offers homeowners, renters, and business insurance. The company is known for its user-friendly online tools and the ability to bundle policies.
• Nationwide Insurance: Nationwide is a major insurance provider offering a range of products, including auto, homeowners, renters, and business insurance. With a focus on personalized service and a variety of discounts, Nationwide competes with Main Street America Insurance in providing comprehensive coverage.
• Liberty Mutual Insurance: Liberty Mutual is a global insurance company with a strong presence in the U.S. market. They offer a range of insurance products, including auto, home, renters, and business insurance. Liberty Mutual is recognized for its commitment to customer service and various coverage options.

While Main Street America Insurance has its unique offerings and benefits, these competitors provide a variety of choices for individuals and businesses. It’s essential for consumers to compare coverage, discounts, and customer reviews to determine which insurance provider aligns best with their needs and preferences.

Main Street America Group: Insurance Coverage and Updates

Navigating Main Street America Insurance: Reviews, Ratings, and Assurance

Reviews and Ratings

The company received an A+ rating from A.M. Best, but one look at the Main Street America group reviews and Main Street America Insurance company reviews, you can tell that many of its customers are not satisfied. According to Qualtrics, 93% of customers read online reviews before they decide to purchase a product.

Main Street America Group Better Business Bureau’s customer service department is commonly described as taking too long and the insurance plans are labeled overpriced. Several customers also mentioned that when they call the Main Street America Insurance phone number, it is difficult to get in contact with an agent.

Insights into Main Street America Group Insurance Acquisition