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.

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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 Laura Walker

UPDATED: Feb 16, 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+
Company Rating 0 (0 reviews)

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.

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