Main Street America Group Insurance Review & Complaints: Personal & Commercial Insurance (2023)

A group of insurance companies offering personal and commercial insurance products, The Main Street America Group aims their products at “main street” businesses and individuals, a term that brings to mind images of small-town community America. The group of companies covers most of the nation with agent-driven personal service.

What is Main Street America?

The Main Street America Company traces its roots back to when the National Grange Mutual Insurance Company was founded in New Hampshire. The company expanded to provide insurance policies in 36 states as well as surety bonds in 45 states and the District of Columbia, eventually moving their headquarters to Jacksonville, FL, where it remains today.

The name change to Main Street came about after National Grange change its name to NGM Insurance Company and Main Street Holdings Corp was formed. Also under the Main Street American banner are:

• Old Dominion Insurance Company
• Austin Mutual Insurance Company
• Grain Dealers Mutual Insurance Company
• Great Lakes Casualty Insurance Company
• Main Street America Assurance Company
• MSA Insurance Company
• Spring Valley Mutual Insurance Company
• Main Street America Protection Insurance Company

If you’re looking for a homeowners insurance or auto insurance policy, Main Street America products are sold through independent agents, which the company states is part of their aim to provide local, personal service.

What insurance products does Main Street America offer?

Main Street America has a variety of products sold through independent insurance agents for both individuals and businesses, providing insurance coverage for most of the basics.

Does Main Street America offer home insurance?

Home insurance is necessary in order to protect one’s home, and there is a wide range of policy options on the market. Main Street’s homeowner’s insurance program provides coverage for your home and other structures on the property, personal liability, and personal property. In addition to the benefits basics, they also offer several other options that can be added on to provide additional protection.

• Homeowner’s Elite – An add-on package with three levels of additional coverage to provide extended protection
• Revitalized Home Program – Designed for older homes that have been renovated
• Identity Theft Coverage

Main Street also offers insurance policies for condo owners as well as renter’s insurance for tenants who need personal property and liability coverage. Flood Insurance is also available through the National Flood Insurance Program.

Does Main Street America offer auto insurance?

There is little detail regarding the Main Street auto insurance program on the auto insurance company website, aside from listing basic coverage such as comprehensive coverage, bodily injury liability, property damage liability, and underinsured/ uninsured motorist.

The site states that auto insurance discounts are available but vary by state and require you to contact an agent for more detail.

What additional types of insurance are offered?

Business insurance is a major part of Main Street America’s products. They cover a wide variety of what are known as “main street” businesses, in keeping with the name, such as retail, medical and general offices, restaurants, auto repair shops, and light manufacturing operations.

The main line business owners policy is the main package product, which offers a combination of basic coverage options such as business liability and business property coverage. It also includes coverage such as employment practices liability and can be tailored to fit each industry’s needs.

Additionally, Main Street America writes the following commercial policies:

• Commercial auto insurance
• Commercial umbrella
• Surety bonds
• Worker’s compensation
• Commercial flood

Are Main Street America’s insurance rates reasonable?

Main Street America provides quotes only through independent agents, which means it isn’t possible to obtain its insurance rates to do quick only quote comparisons. Since there is little information in terms of discounts, it’s hard to say how much they offer to help reduce insurance rates and offer competitive premiums.

How are claims handled?

Main Street recommends that policyholders attempt to contact their agent as a first choice for reporting a claim. They do, however, offer other methods of reporting.

There is a 24-hour claims line where claims can be reported, as well as the option to report a claim online. These three options put Main Street America in line with the most comprehensive of regional insurers in terms of claims reporting options, and ahead of many.

Aside from providing contact information, the website doesn’t offer anything further in terms of claims information. There is no explanation of what to expect or what to do in event of a claim. There is no indication of whether or not they have a preferred repair network or what claims processing times are common. There is also no customer portal that we could locate for policyholders to log in and check on claims status or any other account information.

Are there any consumer complaints against the company?

The Main Street America Group is not Better Business Bureau accredited. As of the time of this review the company had a A+ rating with the BBB. There are only ten customer service complaints against the company, five of which were closed in the past 12 months.

There are a few complaints regarding claims service available online. The few that were found generally centered on customer reviews disagreeing with the insurer in terms of fault and what was covered in a claim. The low number of complaints overall for a company of this size is generally encouraging, and the content raises no major concerns.

What is the company’s financial strength rating?

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

What’s the bottom line?

Since Main Street America provides limited information regarding their products and no option to obtain an online quote for insurance rates, it’s very hard to determine just how competitive they are, and what value they offer to consumers.

They are worth a look for those in the market for business insurance, but it seems likely that most people will find a better deal on personal insurance elsewhere. Those who wish to work with an insurance agency might find it worthwhile to have a quote with this company run for comparison; certainly, there is nothing of concern, but the lack of information makes it difficult to recommend Main Street America overall.