Western Reserve Group property & casualty Insurance Review & Ratings (2024)
Count on Western Reserve Group's trustworthy property and casualty insurance to safeguard your assets. With tailored coverage, skilled personnel, and speedy claims processing, we provide financial stability and peace of mind. Your possessions and resources are in capable hands. Choose us for reliable protection.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Nov 28, 2023
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- Western Reserve Group offers a wide variety of personal, commercial, and farm-based insurance products
- Western Reserve Group received an A rating from A.M. Best
- The company only offers policies to residents of Ohio and Indiana
Explore Western Reserve Group Property & Casualty Insurance with your warmest welcome. The essential features of Western Reserve Group’s insurance solutions, including dependable coverage, customized plans, and swift claims processing, will be covered in detail in this article. In addition, we’ll cover the value of safeguarding your possessions and offer advice on how to live comfortably and worry-free.
Understanding the advantages of Western Reserve Group’s insurance will help you make a thoughtful selection, whether you’re a homeowner, renter, or business owner. Simply input your zip code below to compare prices from the finest insurance companies and find the lowest rates and coverage options close to you. Give yourself every chance to protect your possessions with the greatest insurance coverage. Don’t let this chance pass you by.
What types of property and casualty insurance does Western Reserve Group offer?
Western Reserve Group offers several different types of property and casualty insurance coverage. When it comes to personal coverage, Western Reserve insurance products include:
- Auto insurance
- Home insurance
- Renters insurance
- Roadside assistance
- Umbrella liability coverage
On a commercial scale, Western Reserve Group also has several products to offer, including:
- Businessowner’s policy
- Commercial liability
- Commercial property
- Equipment breakdown
- Commercial line coverage
Western Reserve also offers products specific to farm owners and their unique needs. The company states that its products are both flexible and comprehensive, ensuring that each farm owner has the best coverage possible.
Although Western Reserve Group offers a lot of products, one of its most popular offerings is homeowners insurance.
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What does Western Reserve Group’s homeowners insurance cover?
If you are looking for homeowners insurance, you likely have a lot of questions about what different companies will cover and which product is best for you.
With Western Reserve, the products are designed to be both competitively priced and comprehensive enough to meet the needs of the vast majority of homeowners.
If you’re curious what a typical homeowners insurance policy covers, Western Reserve Group offers the following:
- Dwelling coverage
- “Other structures” coverage
- Contents coverage
- Loss of use coverage
- Personal liability coverage
- Medical expense coverage
In addition to covering the occurrences above, Western Reserve Group includes different add-ons that policyholders can purchase in addition to their standard homeowners coverage.
Some of these add-ons cover the following:
- Earthquake
- Home business
- Cyber and identity fraud
- Personal injury
- Service line
- Watercraft
As you might imagine, all of the add-ons listed above will cost extra if you include them in your homeowners policy. The Western Reserve Group website states that these add-ons can be purchased for a “nominal charge,” but the prices are not listed online.
Adding different products to your insurance coverage can create fairly high insurance rates. To offset some of the cost, Western Reserve Group offers a few options for discounts on property and casualty insurance coverage.
The discounts that Western Reserve Group offers include:
- Advance quote
- Automatic backup generator
- Multi-policy
- New home
- Protective device
- Mortgage-free
If any of the discounts above apply to you, check to see how much you can save on your coverage.
How much is P&C insurance with Western Reserve Group?
The cost of insurance with Western Reserve depends on a lot of factors. However, most people state online that the company’s prices for things like auto insurance and homeowners insurance are quite competitive.
If you’re looking for a homeowners insurance policy, you’ll want to familiarize yourself with the average cost to make sure you don’t end up paying too much for coverage.
You can look at the table below to see the average annual cost for a homeowners insurance policy in each state.
Average Annual Homeowners Insurance Rates by State
State | Average Annual Rates |
---|---|
Alabama | $1,433 |
Alaska | $959 |
Arizona | $825 |
Arkansas | $1,373 |
California | $1,008 |
Colorado | $1,495 |
Connecticut | $1,479 |
Delaware | $833 |
District of Columbia | $1,235 |
Florida | $1,951 |
Georgia | $1,267 |
Hawaii | $1,102 |
Idaho | $730 |
Illinois | $1,056 |
Indiana | $1,000 |
Iowa | $964 |
Kansas | $1,584 |
Kentucky | $1,109 |
Lousiana | $1,968 |
Maine | $882 |
Maryland | $1,037 |
Massachusetts | $1,488 |
Michigan | $942 |
Minnesota | $1,348 |
Mississippi | $1,537 |
Missouri | $1,285 |
Montana | $1,174 |
Nebraska | $1,481 |
Nevada | $755 |
New Hampshire | $972 |
New Jersey | $1,192 |
New Mexico | $1,017 |
New York | $1,309 |
North Carolina | $1,086 |
North Dakota | $1,253 |
Ohio | $862 |
Oklahoma | $1,885 |
Oregon | $677 |
Pennsylvania | $931 |
Rhode Island | $1,551 |
South Carolina | $1,269 |
South Dakota | $1,202 |
Tennessee | $1,196 |
Texas | $1,893 |
Utah | $692 |
Vermont | $918 |
Virginia | $999 |
Washington | $854 |
West Virginia | $940 |
Wisconsin | $779 |
Wyoming | $1,156 |
Countrywide | $1,211 |
Similarly, if you are looking for auto insurance coverage, take a look at the table below for average annual car insurance rates for each state in the U.S.
Average Annual Car Insurance Rates by State
State | Average Annual Car Insurance Rates |
---|---|
Alabama | $817.95 |
Alaska | $1,048.60 |
Arizona | $932.10 |
Arkansas | $869.37 |
California | $926.79 |
Colorado | $898.79 |
Connecticut | $1,108.67 |
Delaware | $1,186.33 |
District of Columbia | $1,307.62 |
Florida | $1,206.46 |
Georgia | $964.70 |
Hawaii | $856.33 |
Idaho | $656.95 |
Illinois | $833.44 |
Indiana | $724.65 |
Iowa | $672.01 |
Kansas | $819.14 |
Kentucky | $904.39 |
Louisiana | $1,326.78 |
Maine | $679.56 |
Maryland | $1,077.97 |
Massachusetts | $1,075.35 |
Michigan | $1,252.27 |
Minnesota | $826.64 |
Mississippi | $935.08 |
Missouri | $825.40 |
Montana | $842.54 |
Nebraska | $778.81 |
Nevada | $1,057.63 |
New Hampshire | $777.98 |
New Jersey | $1,353.96 |
New Mexico | $896.58 |
New York | $1,300.09 |
North Carolina | $745.17 |
North Dakota | $737.63 |
Ohio | $741.11 |
Oklahoma | $941.34 |
Oregon | $855.57 |
Pennsylvania | $934.34 |
Rhode Island | $1,219.29 |
South Carolina | $910.51 |
South Dakota | $717.73 |
Tennessee | $823.74 |
Texas | $1,025.64 |
Utah | $832.24 |
Vermont | $737.67 |
Virginia | $807.71 |
Washington | $923.16 |
West Virginia | $1,015.57 |
Wisconsin | $696.11 |
Wyoming | $816.71 |
Countrywide | $954.99 |
If Western Reserve is as competitive as it claims, then it’s rates should be close to the ones listed above.
But you should still use an online quote tool to compare rates for property and casualty insurance before committing to any company. This is the only way to guarantee you’re getting the best rates possible.
Streamlining Experience With Universal Property Insurance Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Western Reserve Group aims to simplify the claims process for its policyholders. Whether you prefer the convenience of filing a claim online, over the phone, or through mobile apps, this insurance provider offers multiple avenues for you to report your claims. This flexibility ensures that you can choose the method that suits you best, making it easier and more convenient to initiate the claims process.
Average Claim Processing Time
When it comes to handling claims, one crucial aspect that policyholders consider is the speed at which claims are processed. Western Reserve Group is committed to providing timely claim processing. However, the specific processing times may vary depending on the nature and complexity of the claim. It’s advisable to contact the company directly for more information on their average claim processing times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is invaluable when evaluating an insurance provider’s performance in handling claims. To assess Western Reserve Group’s effectiveness in resolving claims and providing fair payouts, it’s essential to consider the experiences and opinions of policyholders.
Reviews and testimonials from customers who have gone through the claims process with Western Reserve Group can provide valuable insights into the company’s claim resolution and payout practices.
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Unleashing Innovation With Universal Property Insurance Digital and Technological Features
Mobile App Features and Functionality
In today’s digital age, having a user-friendly mobile app can significantly enhance the overall insurance experience. Western Reserve Group recognizes this and offers a mobile app equipped with features and functionality to streamline various insurance-related tasks.
Whether you need to access policy information, file a claim, or make payments on the go, the mobile app is designed to make these processes more accessible and efficient.
Online Account Management Capabilities
Managing your insurance policies and accounts online has become a standard expectation for policyholders. Western Reserve Group understands this need and provides robust online account management capabilities.
Policyholders can access their accounts, view policy details, make changes, and track their claims through a secure online portal. This convenient online access empowers policyholders to have greater control over their insurance affairs.
Digital Tools and Resources
To further assist policyholders in making informed decisions and navigating their insurance coverage, Western Reserve Group offers a range of digital tools and resources.
These resources may include educational materials, calculators, FAQs, and other online resources designed to provide valuable information and support to policyholders. These digital tools can help policyholders better understand their coverage and make informed choices about their insurance needs.
Does Western Reserve Group have good ratings and reviews online?
Western Reserve Group has an A (Excellent) rating with A.M. Best. Additionally, the company garners an A+ rating with the Better Business Bureau.
When it comes to Western Reserve insurance reviews from customers, the company does have its fair share of negative reviews regarding different facets of P&C insurance.
While this is fairly standard for any insurance company, you may want to review some of these customer reviews before making any decisions.
Should I buy insurance with Western Reserve Group?
If you want to buy a Western Reserve Group insurance policy, you will want to keep the Western Reserve group customer service contact information handy.
Additionally, you can speak to an employee who can use a Western Reserve group agent login to offer you more specific information about the company’s products and policies.
Once you purchase a policy with Western Reserve, you can use your own Western Reserve group login to make a claim, review the status of a claim, and print additional insurance cards.
It is always in your best interest to do some digging before committing to any one company. So, before you decide to purchase an insurance policy with Western Reserve, make sure you search online to see what’s available.
You can use our free tool below today to access property and casualty insurance quotes in your area and see how much you could save.
Frequently Asked Questions
What is Western Reserve Group Property & Casualty Insurance?
Western Reserve Group is a property and casualty insurance company that offers coverage for homes, farms, automobiles, and businesses in Ohio and Indiana.
How long has Western Reserve Group been in business?
Western Reserve Group was founded in 1906, which means it has been in business for over 100 years.
Is Western Reserve Group financially stable?
Yes, Western Reserve Group has been awarded an “A” (Excellent) rating by A.M. Best, which is a leading insurance rating agency. This rating indicates that the company has strong financial stability and is likely to be able to meet its financial obligations to policyholders.
What types of insurance does Western Reserve Group offer?
Western Reserve Group offers a variety of insurance products, including home, farm, auto, and business insurance.
What are the benefits of Western Reserve Group home insurance?
Western Reserve Group home insurance offers protection for your home and personal property, as well as liability coverage for accidents that occur on your property. It also includes additional living expenses coverage if you need to temporarily relocate due to a covered loss.
What are the benefits of Western Reserve Group auto insurance?
Western Reserve Group auto insurance offers liability coverage, as well as collision and comprehensive coverage for your vehicle. It also includes coverage for uninsured and underinsured motorists, and optional coverage for things like roadside assistance and rental car reimbursement.
Tms
Unprofessional
jprice
Poor review
Ssdowning
Good price
jgirl09
Fan For Life
Ama74
Positive Experience
willieandbarb
Good reliable company to do business with!
tango5432
Great service
Bethaw
Affordable and fair
servantgal
Reasonable interaction
VStrawder
Helpful and conscientious of customers