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.

Free Insurance Comparison

secured lock Secured with SHA-256 Encryption

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...

Full Bio →

Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

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...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

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.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption

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
Websitehttps://msainsurance.com/N/A
Phone #(800) 258-5310Company website
ExecutivesChris Listau, President & CEOCompany website
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Reviews
for Main Street America Insurance

3.44 (62 reviews)
5
December 29, 2021

BigE60

Excellent service

I had to put in a claim through my insurance agent an Main Street America agent call the same day to get all the details, i am extremely happy with the claim of how fast it was it approved.
1
November 6, 2021

RJDUBB

Overpriced coverage and poor billing systems

Over priced. Payment system could use serious improvements. Didn't get the best deal trying to restructure my insurance. Saved over $800 switching providers. I paid this company in full for my policy and they sent me to collections for an additional payment. Insurance is a pre payment, MSA made me pay an additional month for a month I was not insured by them any longer. Shady use of contact and immediate dispatch to collections. They don't have y...
Over priced. Payment system could use serious improvements. Didn't get the best deal trying to restructure my insurance. Saved over $800 switching providers. I paid this company in full for my policy and they sent me to collections for an additional payment. Insurance is a pre payment, MSA made me pay an additional month for a month I was not insured by them any longer. Shady use of contact and immediate dispatch to collections. They don't have your back only theirs. I would not suggest this company.
1
October 15, 2021

chitrakha1

worst experience dealing with insurance company in 30 years

I have a commercial insurance policy with this company for the past three years- i reported a fully insured box truck stolen five days ago, got a claim number and never heard anything further. i spoke with the agent who was surprised that the company did not respond. I tried following up online and the claim form keep asking for accident information -that does not exist in this case. in my 30 years in business. this is the worst experience...
I have a commercial insurance policy with this company for the past three years- i reported a fully insured box truck stolen five days ago, got a claim number and never heard anything further. i spoke with the agent who was surprised that the company did not respond. I tried following up online and the claim form keep asking for accident information -that does not exist in this case. in my 30 years in business. this is the worst experience dealing with a insurance company. no one seem to care that a commercial box truck is used for work and such a matter need urgent attention.
4
August 24, 2019

DebraG

Easy to do business with

Pay online. Options to pay monthly or for entire policy. Customer service is very helpful. Claims are paid quickly. When I was hit by a car they were very easy to deal with
2
August 13, 2019

Homebasemom

Main st America

This company had high rates and they mis-billed me several times. They also didn’t have a website available where I could manage my payments, etc.
5
July 30, 2019

jbarr553

NGM review

easy to deal with. you can call tehm whenever you have a question or stop by the office. you can also pay online yearly, which a lot of companies don't do any longer. love the convenience and how they handle problems like accidents. *This review was originally written for National Grange Mutual, but changed to Main Street America Insurance. NGM is an underwriter of Main Street America Insurance.
1
October 24, 2018

Trump2020

Bad company to deal with. They are not a good company

They do whatever they can to get out of paying a claim with it's their clients fault. I would stay away from this company.
5
September 30, 2018

Cyndy

Grange is a GREAT company

All dealings I have had with this company have been positive. Great rates and great communication. Renewal is very easy. *This review was originally written for National Grange Mutual, but changed to Main Street America Insurance. NGM is an underwriter of Main Street America Insurance.
5
September 19, 2018

Managerkays

Insurance hou can count on

We have had home and car insurance through grange mutual for 40 years. Whenever we have had to file a claim the response has been within 24 hours. Basement flood, car wreck, or wind damage i feel they went above and beyond with their response and coverage. *This review was originally written for National Grange Mutual, but changed to Main Street America Insurance. NGM is an underwriter of Main Street America Insurance.
4
September 11, 2018

laurenrw922

Great Customer Service and Communication!

I just switched to this insurance company for my auto and home because their rates were slightly less. Unfortunately I just had an auto accident and my fairly new car was totaled (otherwise I had a great driving record). The company was very professional in how they handled my claim and always communicated with me when I wanted to know the status of things. Although it did take a few weeks to get this settled, I don't think it was unusual give...
I just switched to this insurance company for my auto and home because their rates were slightly less. Unfortunately I just had an auto accident and my fairly new car was totaled (otherwise I had a great driving record). The company was very professional in how they handled my claim and always communicated with me when I wanted to know the status of things. Although it did take a few weeks to get this settled, I don't think it was unusual given the fact that my car was pretty new. I believe they were very fair and it was easy to submit my paperwork as long as you followed directions and were organized!
↑ Back to Top

Write a Review and Rate

Please tell us about your policy type

Policy Type ?

Please select a `Policy Type!`

How did you buy this policy?

Please select `How you bought this policy!`

How long ago did you buy this policy?

Please select `How long ago you bought this policy!`

Do you currently have a policy with this company?

Please select `If you currently have a policy with this company?`

How long ago did you buy this policy?

Share your experience with this company

(Min. 100 Characters)
(Max. 60 Characters)

Rate your experience with

Buying Process

Renewal Process

Customer Service*

Policy Price*

Did you submit a claim?

Claim ServiceIf applicable

How long ago did you buy this policy?


Company*Overall Rating

Likelihood to recommend to family or friend*

A few more questions

What does this insurance company do well?

What can this insurance company do better?

Which best describes your household? (select all that apply)

When you submit this review, you will be asked to sign in/up for to your https://www.usinsuranceagents.com account. If your account is not currently verified, we will send a verification email to the email on file for your account. Please select the verification button in that email. If you do not see the email in your inbox, please check your spam or junk folder. Your review cannot be reviewed and accepted until you complete this verification step.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption