Donegal Insurance Group Review & Complaints: Home, Auto, Boat, Umbrella & Business Insurance (2023)

With a long history and a solid product lineup, Donegal Insurance Group offers an alternative to big-name insurance companies. They offer personal and commercial insurance in an ever-expanding list of locations.

What is Donegal Group Inc?

Donegal Group Inc was started by a group of farmers in Marietta, Pennsylvania, as a mutual company designed to provide protection for homes and farms. It was originally known as Donegal and Conoy Mutual Fire Insurance Company and began operations in 1889.

In 1949 the company shortened its name to Donegal Mutual Insurance Company and began expanding its lineup beyond fire insurance with the addition of auto insurance. The 1970s and the following decades saw the company acquiring other companies and expanding into other states. Operating in Maryland, Delaware, and Virginia in addition to their home state, Donegal formed a holding company in 1986, Donegal Group Inc., and went public.

Donegal Group Inc today serves 20 states through a group of companies and independent agents operating in those states. In addition to their Marietta headquarters, they have branch offices in seven other states. The group’s companies include:

• Donegal Mutual Insurance Company
• Atlantic States Insurance Company
• Southern Insurance Company of Virginia
• Le Mars Insurance Company
• Peninsula Insurance Company
• Peninsula Indemnity Company
• Sheboygan Falls Insurance Company
• Southern Mutual Insurance Company
• Michigan Insurance Company
• Mountain States Commercial Insurance Company
• Mountain States Indemnity Company

Donegal Group Inc writes both personal lines and business insurance policies, with options varying by state. One of Donegal’s subsidiaries, Conestoga Insurance, writes title insurance.

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What products does Donegal Insurance Group offer?

What products does Donegal Insurance Group offer?

Donegal Group Inc’s products differ by state, where they may be underwritten by any of the companies in the group. They write a basic line of personal insurance products along with business and farm insurance packages. Information on the products found on the company website is limited to general overviews.

Home Insurance

Donegal’s home insurance policy is a standard package, covering the dwelling, your personal property, liability, and loss of use. Customers have opportunities for coverage options to be added to customize the policy. These include extended replacement cost coverage for the home, replacement cost coverage on your personal property, identity theft coverage, and riders for high-value items.

A Dwelling Fire product is also available from Donegal. This policy is designed for rental homes as well as for owner-occupied homes that do not qualify for a homeowner’s policy; this is usually due to factors such as age, condition, or seasonal occupancy.

Auto Insurance

Donegal’s auto program appears to be as basic and straightforward as the home program. Coverage includes all of the basics of required state minimums and common options – comprehensive coverage, collision coverage, roadside assistance, and rental car coverage.

Donegal does offer first accident forgiveness, a fairly common extra found at many large auto insurance companies. They also promise a high threshold for chargeable accidents – which means only accidents with a cost over that threshold will result in a rate increase.

A number of common discounts on premium rates are available, including good student, good driver, and discounts for insuring more than one car or bundling your auto and home insurance with the company.

As with home insurance, coverage varies by state.

Boat Owners Insurance

Donegal writes coverage for a variety of boat types, with protection for the boat itself as well as contents and the trailer. It also offers liability insurance and options like emergency towing and replacement cost coverage for the boat.

A credit is offered on boat policies when Donegal also insures the home.

Personal Umbrella Insurance

The site does not list what the coverage limits are, but Donegal offers a personal umbrella policy that provides additional liability coverage above and beyond the limits of the underlying policies. It can cover you for additional liability on your home, auto, and boat policies.

Commercial Insurance

Donegal’s commercial insurance products are comprehensive and offer both packages and a la carte options to create a policy that meets the needs of any business.

The Business Owner’s Package (BOP) is available as a standard package or as a BOP Select plan, which is designed for businesses with more specialized coverage needs. This package policy includes all of the basic coverage any business needs along with customized options.

Donegal also has a commercial package policy, a flexible and customizable package that is offered to businesses that do not fit into the BOP categories.

Among the various coverage options are:

• Contractor’s Insurance
• A Commercial Auto Insurance Policy
• Commercial Umbrella
• Garage Insurance
• Worker’s Compensation Insurance
• Employment Practices Liability
• Liquor Liability
• Contractor’s Errors and Omissions
• Loss Control Services
• Group Programs

Farm Insurance

Farm insurance is Donegal’s original product, and they continue to write package policies for a variety of different farming operations.

Coverage includes the home and any farm structures, farm equipment, livestock and crops, and liability. A specialty policy is available for dairy farmers as well. Donegal even has an umbrella policy specifically for farms.

Are Donegal Insurance Group rates affordable?

Donegal does not offer any online quoting for a policy premium, which is expected given the fact that they are a group of companies with varied rates and coverage options and that policies are sold through independent agents.

The website offers an agent locator that uses a ZIP code search to point visitors in the direction of a local agent who can provide them with quotes.

Donegal Claims Process

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

Donegal Insurance Group offers multiple channels for filing claims to ensure convenience for its policyholders. You can file a claim through their online portal, which is accessible when you log in as a customer. Additionally, there’s a 24-hour toll-free phone line dedicated to claims reporting, providing a quick and accessible option.

Average Claim Processing Time

While the article does not specify the exact average claim processing time, policyholders can expect efficient handling of claims through Donegal Insurance Group’s centralized claims reporting system. The company’s commitment to timely processing may vary depending on the complexity of the claim.

Customer Feedback on Claim Resolutions and Payouts

The article does not provide specific customer feedback on claim resolutions and payouts. However, prospective policyholders interested in customer experiences can explore online platforms such as Yelp, Google Reviews, or the Better Business Bureau (BBB) to access customer reviews and ratings related to claim resolutions and payouts with Donegal Insurance Group.

Digital and Technological Features of Donegal

Mobile App Features and Functionality

The article does not detail the specific features and functionality of Donegal Insurance Group’s mobile app. However, customers can expect the mobile app to offer convenient access to policy information, claims filing, and possibly features like bill payment and policy management. It’s recommended to visit the company’s official website or app store for more information on the app’s capabilities.

Online Account Management Capabilities

The article does not provide a comprehensive overview of Donegal Insurance Group’s online account management capabilities. Policyholders can typically expect online account access to view and manage policy details, make payments, and possibly access digital documents. The extent of online account management features may vary and can be explored further on the company’s website.

Digital Tools and Resources

The article does not specify the digital tools and resources offered by Donegal Insurance Group. However, insurance companies often provide digital tools such as calculators, educational resources, and blogs to help policyholders make informed decisions. Prospective policyholders can explore the company’s website for a comprehensive list of available digital tools and resources.

What’s the bottom line on Donegal Insurance Group?

Donegal appears to have a good reputation and a solid, if basic, list of products. For those that are seeking an alternative to the huge insurance companies and prefer to work with a local agent, they and their group of companies may be worth a closer look. Without rates, we are unable to speak to the value offered by Donegal, but as with all companies, it is the total package that each customer should look at when making an insurance purchase.

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