Western Reserve Group Property & Casualty Insurance Review & Ratings (2023)
Western Reserve Group offers several different property and casualty insurance products to its policyholders. Western Reserve Group only offers coverage in Ohio and Indiana. If you are looking for homeowners insurance, Western Reserve Group offers several add-ons and options for discounts. The company has an A+ rating with BBB and an A rating with A.M. Best.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Jun 21, 2022
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- Western Reserve Group offers a wide variety of personal, commercial, and farm-based insurance products
- Western Reserve Group received an A rating from A.M. Best
- The company only offers policies to residents of Ohio and Indiana
If you are looking for insurance coverage, you are probably curious to know more about companies in your area that friends or family members are fond of.
If you live in Ohio or Indiana, you may want to learn about the Western Reserve Group.
Western Reserve Group is located in Ohio and offers several different insurance products to individuals and businesses. Depending on where you live and what you’re looking for, Wester Reserve Group may be something you’re interested in.
Because Western Reserve Group is offered only in Ohio and Indiana, the company may not work for you. If that’s the case, you should look for free insurance quotes online to compare insurance companies and find what you need.
Regardless of whether you’re searching for car, home, life, or health insurance, you can use online quote tools to find the coverage you need at a price you can afford. Use our free tool above to compare insurance quotes from multiple companies and find the insurance that works best for you.
Table of Contents
What types of property and casualty insurance does Western Reserve Group offer?
Western Reserve Group offers several different types of property and casualty insurance coverage. When it comes to personal coverage, Western Reserve insurance products include:
- Auto insurance
- Home insurance
- Renters insurance
- Roadside assistance
- Umbrella liability coverage
On a commercial scale, Western Reserve Group also has several products to offer, including:
- Businessowner’s policy
- Commercial liability
- Commercial property
- Equipment breakdown
- Commercial line coverage
Western Reserve also offers products specific to farm owners and their unique needs. The company states that its products are both flexible and comprehensive, ensuring that each farm owner has the best coverage possible.
Although Western Reserve Group offers a lot of products, one of its most popular offerings is homeowners insurance.
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What does Western Reserve Group’s homeowners insurance cover?
If you are looking for homeowners insurance, you likely have a lot of questions about what different companies will cover and which product is best for you.
With Western Reserve, the products are designed to be both competitively priced and comprehensive enough to meet the needs of the vast majority of homeowners.
If you’re curious what a typical homeowners insurance policy covers, Western Reserve Group offers the following:
- Dwelling coverage
- “Other structures” coverage
- Contents coverage
- Loss of use coverage
- Personal liability coverage
- Medical expense coverage
In addition to covering the occurrences above, Western Reserve Group includes different add-ons that policyholders can purchase in addition to their standard homeowners coverage.
Some of these add-ons cover the following:
- Earthquake
- Home business
- Cyber and identity fraud
- Personal injury
- Service line
- Watercraft
As you might imagine, all of the add-ons listed above will cost extra if you include them in your homeowners policy. The Western Reserve Group website states that these add-ons can be purchased for a “nominal charge,” but the prices are not listed online.
Adding different products to your insurance coverage can create fairly high insurance rates. To offset some of the cost, Western Reserve Group offers a few options for discounts on property and casualty insurance coverage.
The discounts that Western Reserve Group offers include:
- Advance quote
- Automatic backup generator
- Multi-policy
- New home
- Protective device
- Mortgage-free
If any of the discounts above apply to you, check to see how much you can save on your coverage.
How much is P&C insurance with Western Reserve Group?
The cost of insurance with Western Reserve depends on a lot of factors. However, most people state online that the company’s prices for things like auto insurance and homeowners insurance are quite competitive.
If you’re looking for a homeowners insurance policy, you’ll want to familiarize yourself with the average cost to make sure you don’t end up paying too much for coverage.
You can look at the table below to see the average annual cost for a homeowners insurance policy in each state.
Average Annual Homeowners Insurance Rates by State
| State | Average Annual Rates |
|---|---|
| Alabama | $1,433 |
| Alaska | $959 |
| Arizona | $825 |
| Arkansas | $1,373 |
| California | $1,008 |
| Colorado | $1,495 |
| Connecticut | $1,479 |
| Delaware | $833 |
| District of Columbia | $1,235 |
| Florida | $1,951 |
| Georgia | $1,267 |
| Hawaii | $1,102 |
| Idaho | $730 |
| Illinois | $1,056 |
| Indiana | $1,000 |
| Iowa | $964 |
| Kansas | $1,584 |
| Kentucky | $1,109 |
| Lousiana | $1,968 |
| Maine | $882 |
| Maryland | $1,037 |
| Massachusetts | $1,488 |
| Michigan | $942 |
| Minnesota | $1,348 |
| Mississippi | $1,537 |
| Missouri | $1,285 |
| Montana | $1,174 |
| Nebraska | $1,481 |
| Nevada | $755 |
| New Hampshire | $972 |
| New Jersey | $1,192 |
| New Mexico | $1,017 |
| New York | $1,309 |
| North Carolina | $1,086 |
| North Dakota | $1,253 |
| Ohio | $862 |
| Oklahoma | $1,885 |
| Oregon | $677 |
| Pennsylvania | $931 |
| Rhode Island | $1,551 |
| South Carolina | $1,269 |
| South Dakota | $1,202 |
| Tennessee | $1,196 |
| Texas | $1,893 |
| Utah | $692 |
| Vermont | $918 |
| Virginia | $999 |
| Washington | $854 |
| West Virginia | $940 |
| Wisconsin | $779 |
| Wyoming | $1,156 |
| Countrywide | $1,211 |
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Similarly, if you are looking for auto insurance coverage, take a look at the table below for average annual car insurance rates for each state in the U.S.
Average Annual Car Insurance Rates by State
| State | Average Annual Car Insurance Rates |
|---|---|
| Alabama | $817.95 |
| Alaska | $1,048.60 |
| Arizona | $932.10 |
| Arkansas | $869.37 |
| California | $926.79 |
| Colorado | $898.79 |
| Connecticut | $1,108.67 |
| Delaware | $1,186.33 |
| District of Columbia | $1,307.62 |
| Florida | $1,206.46 |
| Georgia | $964.70 |
| Hawaii | $856.33 |
| Idaho | $656.95 |
| Illinois | $833.44 |
| Indiana | $724.65 |
| Iowa | $672.01 |
| Kansas | $819.14 |
| Kentucky | $904.39 |
| Louisiana | $1,326.78 |
| Maine | $679.56 |
| Maryland | $1,077.97 |
| Massachusetts | $1,075.35 |
| Michigan | $1,252.27 |
| Minnesota | $826.64 |
| Mississippi | $935.08 |
| Missouri | $825.40 |
| Montana | $842.54 |
| Nebraska | $778.81 |
| Nevada | $1,057.63 |
| New Hampshire | $777.98 |
| New Jersey | $1,353.96 |
| New Mexico | $896.58 |
| New York | $1,300.09 |
| North Carolina | $745.17 |
| North Dakota | $737.63 |
| Ohio | $741.11 |
| Oklahoma | $941.34 |
| Oregon | $855.57 |
| Pennsylvania | $934.34 |
| Rhode Island | $1,219.29 |
| South Carolina | $910.51 |
| South Dakota | $717.73 |
| Tennessee | $823.74 |
| Texas | $1,025.64 |
| Utah | $832.24 |
| Vermont | $737.67 |
| Virginia | $807.71 |
| Washington | $923.16 |
| West Virginia | $1,015.57 |
| Wisconsin | $696.11 |
| Wyoming | $816.71 |
| Countrywide | $954.99 |
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If Western Reserve is as competitive as it claims, then it’s rates should be close to the ones listed above.
But you should still use an online quote tool to compare rates for property and casualty insurance before committing to any company. This is the only way to guarantee you’re getting the best rates possible.
Does Western Reserve Group have good ratings and reviews online?
Western Reserve Group has an A (Excellent) rating with A.M. Best. Additionally, the company garners an A+ rating with the Better Business Bureau.
When it comes to Western Reserve insurance reviews from customers, the company does have its fair share of negative reviews regarding different facets of P&C insurance.
While this is fairly standard for any insurance company, you may want to review some of these customer reviews before making any decisions.
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Should I buy insurance with Western Reserve Group?
If you want to buy a Western Reserve Group insurance policy, you will want to keep the Western Reserve group customer service contact information handy.
Additionally, you can speak to an employee who can use a Western Reserve group agent login to offer you more specific information about the company’s products and policies.
Once you purchase a policy with Western Reserve, you can use your own Western Reserve group login to make a claim, review the status of a claim, and print additional insurance cards.
It is always in your best interest to do some digging before committing to any one company. So, before you decide to purchase an insurance policy with Western Reserve, make sure you search online to see what’s available.
You can use our free tool below today to access property and casualty insurance quotes in your area and see how much you could save.
Tms
Unprofessional
jprice
Poor review
Ssdowning
Good price
jgirl09
Fan For Life
Ama74
Positive Experience
willieandbarb
Good reliable company to do business with!
tango5432
Great service
Bethaw
Affordable and fair
servantgal
Reasonable interaction
VStrawder
Helpful and conscientious of customers