Main Street America Review (2022)

This Main Street America review will cover A+ ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

UPDATED: Jun 28, 2022Fact Checked

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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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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...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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Company Details
Address: Main Street America Insurance P.O. Box 2300
City: Keene
State: NH
ZIP Code: 03431
Phone Number: (800) 258-5310
Year Founded: 1923
AM Best Rating: A+

The Rundown

  • Main Street America offers a variety of insurance discounts that can be categorized as auto policy discounts, homeowners insurance discounts, and renters insurance
  • For over 99 years, Main Street America has been committed to providing its customers with a variety of insurance options
  •  Main Street America does not offer insurance bundling or bundling discounts

Finding the right insurance can be challenging. Whether you’re in search of homeowners insurance, car insurance, or renters insurance, Main Street America insurance has several options that may be a good fit for you.

Before we dive into everything the Main Street America insurance company offers, enter your ZIP code for a free insurance quote from companies near you today.

Main Street America Offers Business Insurance

Business owners need protection, too. That’s why Main Street America offers business owner policy coverage. These plans can be customized to satisfy the unique needs of each policyholder.

  • Buildings and business personal property coverage. This benefit is designed to protect building and business owners.
  • Equipment breakdown coverage. This extends breakdown protection to all equipment and technology a business may rely on.
  • Employment practices liability insurance. This can defend your company against harmful allegations made about your business.
  • Liability coverage. This can shield you from bodily injury and your business from receiving property damage.
  • Loss of income and extra expense. Through this benefit, Main Street of America can insure your business’s net income.
  • Main line extension. This includes a $150,000 blanket limit for specific coverage plans.

Main Street America offers a variety of benefits to business owners seeking peace of mind.

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Main Street Offers Condo Insurance

You don’t have to be a homeowner to receive coverage at Main Street America. Whether you need homeowners insurance, condo insurance, or renters insurance, this insurance company has it all. These plans come equipped with the basic coverage necessary to help you gain peace of mind in your new home.

  • Accidental slip and fall coverage
  • Accidents caused by children or pets
  • Liability
  • Medical payments that have been made to others

Insurance plans like these are designed to safeguard your place of residence, so you can better protect yourself and your investment.

Main Street America Offers Identity Theft Insurance

Your identity is a prized possession. According to Experian, about 1 in 20 Americans become a victim of identity theft each year. With ProtectMyID, Main Street America’s identity theft insurance coverage, you can protect all of your personal information, so identity thieves can’t access your most sensitive data.

This plan includes convenient benefits designed to safeguard yourself and your personal information.

  • Credit monitoring
  • A credit report from Experian upon enrollment
  • Lost wallet protection
  • Fraud resolution support
  • Up to $10,000 in Identity theft insurance (exclusively for Premier members)

What discounts does Main Street Insurance offer?

Main Street America has several discounts available for auto, homeowners, and renters insurance policyholders who would like to save money on their insurance policy. According to CNBC, drivers can save an average of $416.52 simply by comparing insurance rates before making a decision.

When it comes to discounts, Main Street America insurance has a plethora of options available. These discounts can be categorized into three different types of discounts: auto policy discounts, homeowners insurance discounts, and renters insurance discounts.

Auto Policy Discounts

There are over 15 different auto policy discounts to choose from, including:

  • Accident-free discounts
  • Good student discount
  • Multi-policy discount
  • New customer discount
  • Paid in full discount

Main Street America offers more discounts for its auto policies than it does for the other two categories.

Homeowners Insurance Discounts

There are nine different homeowners insurance policy discounts to choose from.

  • Active adult discount (55+)
  • Alarm credits discount (fire, smoke)
  • Gated community discount
  • Loss-free discount
  • Loyalty savings and loss forgiveness discount
  • Multi-policy discount
  • New customer discount
  • New home discount
  • New home purchase discount

While homeowners insurance from Main Street America can cover the basics, your coverage can extend to protect your most valuable possessions.

Renters Insurance Discounts

There are eight different renters insurance discounts to choose from.

  • Active adult discount (55+)
  • Alarm credits discount (fire, smoke)
  • Gated community discount
  • Loss-free discount
  • Loyalty savings and loss forgiveness discount
  • Multi-policy discount
  • New customer discount
  • New condo purchase discount

While Main Street America insurance offers a variety of discount options to its customers, it does not provide its members the opportunity to bundle their insurance policies to save money.

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About Main Street America Insurance

Since 1923, Main Street America, also known as Main Street America Group, has been providing its customers with insurance policies for individuals, businesses, and families. Customers can access insurance agents over the phone online or via mail. The Main Street America insurance address is listed on the website. If you would like to send a letter to their mailing address, it can be directed to:

Main Street America

P.O. Box 2300

Keene, NH 03431.

The company’s initial objective was to provide affordable insurance to the Grange Fraternity members in New Hampshire, but the more it grew, the more Main Street America service began to expand across America.

Given Main Street America insurance is only available in 37 states, it may not be the best choice for everyone. For individuals that are located in the areas Main Street American insurance is available, it’s essential for you to weigh your options to determine if this could be the right insurance for you.

Reviews and Ratings

The company received an A+ rating from A.M. Best, but one look at the Main Street America reviews, you can tell that many of its customers are not satisfied. According to Qualtrics, 93% of customers read online reviews before they decide to purchase a product. Main Street America insurance’s customer service department is commonly described as taking too long and the insurance plans are labeled overpriced. In fact, several customers also mentioned that when they call the Main Street America insurance phone number, it is difficult getting in contact with an agent.

Filing an Insurance Claim

If you are wondering what the claim filing process is like at Main Street America, you have come to the right place. Depending on the type of claim being reported, Main Street America policyholders can submit claims in several ways.

Have you tried calling the Main Street America insurance claims phone number? Giving the agents a call might be the easiest and fastest way to complete your claim request. However, if you have a glass claim that needs to be reported, the fastest way to do this is online. To request a windshield and auto glass repair claim online, visit the company’s website to access the form. 

If you’ve already filed an insurance claim and have yet to hear an update, you can check the deductible status online. If you submitted a request when the office was closed, once a Main Street America agent logs in to the system, they can provide you with an update.

Main Street America Overview

For over 99 years, Main Street America insurance has been overflowing with insurance coverage options. While the variety is abundant, it can also be rather overwhelming. On the other hand, many of the benefits offered at Main Street America aren’t unique or exclusive to Main Street American. They can be found at virtually any insurance company.

But if you like endless lists of insurance offers, discounts on top of discounts, and you don’t mind that there are no unique discounts or bundling insurance savings, Main Street America could be the insurance for you.

Main Street America insurance may or may not be right for you, but these insurance rates have your name on them. Enter your ZIP code to start comparing insurance rates 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!
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