Main Street America Homeowners Insurance Review & Ratings (2022)

This review will cover ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction about Main Street America. Apart from homeowners insurance, Main Street America offers a variety of insurance policies. With so many options to choose from, Main Street America could satisfy all your insurance needs.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Dec 17, 2021

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The Rundown

  • Main Street America offers a variety of insurance policies apart from homeowners insurance
  • Almost all of Main Street America’s insurance policies are customizable
  • Customers can expect to pay around $101 a month for Main Street America homeowners insurance

Whether you are a first-time or seasoned home buyer, homeowners insurance is critical when buying a home. Many insurance companies, including Main Street America, offer dependable homeowners insurance policies, leaving plenty of options from which you can choose.

Even though the home-buying process may be strenuous and time-consuming, finding the right homeowners insurance doesn’t have to be.

To make your experience more simple, we have created a Main Street America homeowners insurance review. This review will include Main Street America rates, ratings, customer reviews, and more.

Before jumping in, enter your ZIP code into our free online tool for instant homeowners insurance rates from companies in your area.

Main Street America Homeowners Insurance

As a leading insurance company, Main Street America offers a wide variety of insurance products for businesses and individuals. With so many options to choose from, Main Street America could be a one-stop-shop for all your insurance needs.

Main Street America offers the following insurance policies for individuals:

  • Auto
  • Flood
  • Home
  • Condo
  • Renters
  • Umbrella
  • Landlords

Within Main Street’s business insurance policies are:

  • Flood
  • Bonds
  • Umbrella
  • Contractors
  • Business Owners
  • Commercial Auto
  • Workers Compensation
  • Commercial AgriBusiness

Main Street America prides itself on being a company that will work with its customers to meet their specific and unique needs. This value is reflected in every Main Street America insurance policy, including its homeowners insurance.

There are tons of extra options and coverages to choose from when you purchase a Main Street America homeowners insurance policy. Some of the company’s central homeowners insurance policies include:

  • Dwelling Property
  • Other Structures
  • Personal Property
  • Loss of Use
  • Personal Liability
  • Medical Payments to Others

In addition to these general policies, Main Street America offers a few extra coverages with which you can customize your policy, including:

  • Law or Ordinance Coverage
  • Valuable Items Protection
  • Water Back-Up
  • Replacement Cost on Contents
  • Extended Replacement Cost Coverage

Because Main Street America values its customers’ ability to customize their plans, they offer even more options by which customers can extend their coverage:

  • Homeowners Elite Program
  • Home Systems Protection
  • Home Cyber Protection
  • Identity Theft Coverage
  • Service Line

No matter what type of homeowners insurance you need, Main Street America has options for you. Be sure to research your options and discuss your needs with an insurance agent before deciding.

You can start your search by using an online quote tool to find homeowners insurance rates by ZIP code. This will give you a good launch point for the rest of your search.

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What are Main Street America’s homeowners insurance rates and ratings?

Unfortunately, we were unable to find specific rates for Main Street America. However, you can expect to pay somewhere around the average homeowners insurance rates in the United States, $1,211 a year or $101 a month.

Through A.M. Best, the insurance industry’s leading rating organization, Main Street America holds an “A” (Excellent) Financial Strength Rating and an “A+” Issuer Credit Rating. Both high scores reflect Main Street’s financial stability and overall dependability as a company.

When you choose an insurance policy with Main Street America, you will likely be satisfied with the company’s policies and customer service.

However, it is always a good idea to look into the Main Street America Group reviews and to check in with your insurance agent before buying an insurance policy. Your agent will help you find the best insurance policy or policies for your specific needs and the best insurance companies for you.

What is Main Street America?

Main Street America Insurance is an insurance company with almost a century of experience in the industry. Originally founded to provide affordable insurance to Grange Fraternity members, Main Street America currently writes more than $1.1 billion in annual premiums.

Take a look at the following table for some quick information about Main Street America Insurance.

Main Street America Insurance Quick Stats
Key InfoCompany SpecificsSource
Year Founded1923Company website
AddressMain Street America Insurance
P.O. Box 2300
Keene, NH 03431
Company website
Phone #(800) 258-5310Company website
ExecutivesChris Listau, President & CEOCompany website
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It is also important to note that Main Street America has three phone numbers by which customers can reach the company with questions or concerns. In addition to the general phone number listed above, Main Street America has the following numbers:

  • Consumer affairs: (866) 265-7908
  • Claims: (877) 4Claims (877-425-2467)

You may also choose to reach Main Street America customer service via mailing or e-mail address.

The company also consists of about eight affiliated insurance companies, including Main Street America Protection Insurance Company.

Main Street America: The Bottom Line

Main Street America is a reputable insurance company with almost a century of experience in the insurance industry. The company profoundly values its customers and prides itself in offering customizable insurance policies.

Whether you are looking for business or personal insurance policies, Main Street America has tons of options for both. Main Street America business insurance plans include workers’ compensation, flood, contractors, and more. At the same time, the company’s personal insurance has personal liability, personal property, and more.

Main Street America has an “A” A.M. Best rating, and homeowners insurance rates are expected to be around $101 a month or $1,211 a year.

We highly recommend discussing your homeowners insurance options with an insurance agent before deciding on a policy. That conversation will help you weed out any insurance coverages you don’t need.

Not yet ready to buy the Main Street America Group insurance? Enter your ZIP code into our free online tool for instant homeowners insurance quotes from companies near you today.

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