Grange Insurance Company Review
Grange Insurance Company at a Glance
- Founded in 1935
- Offers a variety of coverages
- Offers coverage for both individuals and businesses
- Coverage available in 13 states
- “A” (excellent) rating by A.M. Best
- “A+” (excellent) rating by Better Business Bureau (BBB)
- Extremely fast claims response
- Several discounts available
- Good customer feedback
- Strong financial stability
- 24/7 claims reporting
Grange Insurance Pros: Very well-established carrier with several decades’ worth of experience in the insurance industry. Online claims reporting and 24/7 claims reporting hotline. Prompt claims response timeframe. Detailed claims processes. Many forms of coverage available including home and auto insurance, business insurance, umbrella insurance, and more. Offers discounts. High ratings through both A.M. Best and the BBB. Strong financial stability. Good customer feedback.
Grange Insurance Cons: Not a BBB accredited business. Coverage not available nationwide.
What Type of Insurance Does Grange Insurance Offer?
Grange Insurance offers a variety of insurance choices for individuals and businesses. Their products include:
- Auto insurance
- Home insurance
- Renters insurance
- Condo insurance
- Umbrella insurance
- Business insurance
- Cyber insurance
- Equipment breakdown insurance
- Employment practices liability insurance
- Workers’ compensation
- Life insurance
If you’re looking for any of these coverage solutions to protect yourself or your business, Grange Insurance may be just the right insurance company for you.
What to Know about Grange Insurance
Grange Insurance was founded in 1935, giving the insurance company multiple decades worth of experience within the industry. The carrier was founded with a mission to provide affordable auto insurance, but has since greatly expanded its catalogue to now offering life insurance, renters insurance, umbrella insurance, workers’ compensation, and more.
Today, Grange Insurance offers their coverage in 13 states throughout the eastern region of the country. Grange Insurance sells its products through local independent insurance agents, which helps customers to get a more personalized and complete experience while shopping for coverage. According to the insurance company’s LinkedIn page, Grange Insurance has between 1,000-5,000 employees, with just over 1,300 of them having profiles on the social media platform.
Thanks to its long-standing history, team of independent insurance agents, and variety of insurance products offered, Grange Insurance has earned itself a reputation as a financially stable insurance company with a strong outlook for the future. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives Grange Insurance an “A” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from A.M. Best assure customers that Grange Insurance is capable of offering guaranteed, secure coverage from a trustworthy and reputable carrier.
Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. Best indicate an insurance company’s financial strength and creditworthiness, and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who aren’t as familiar with insurance companies’ respective reputations, A.M. Best’s ratings system allows them to make an informed decision about who they can trust to meet their needs in the short term, and also who will remain a strong, financially sound company in the long term.
What Discounts Does Grange Insurance Offer?
Grange Insurance offers several competitive discounts for its customers, especially on auto insurance. Their discounts include:
- New beginning discount: Offered to auto insurance customers who are newly separated or divorced.
- Occupation discount: Offered to auto insurance customers with qualifying occupations.
- Full coverage discount: Offered to auto insurance customers who purchase collision coverage for every vehicle on their policy.
- Violation-free discount: Offered to auto insurance customers with no traffic violations on their driving record for the past three or more years.
- Young operator renewal discount: Offered to auto insurance customers who are newly added to an existing Grange Insurance customer’s policy. Discount amount will vary by the length of time the current customer has been with the carrier.
Your independent insurance agent can help you find even more information on discounts offered by Grange Insurance and other ways to save money through the insurance company, helping you to find the coverage you need at the rate you deserve.
Grange Insurance Customer Service
Grange Insurance allows customers to report claims via phone or online at any time. The carrier also provides the following customer service options:
- Online claims reporting
- Phone claims reporting
- Email contact option
- Snail mail contact option
- General customer service inquiries hotline has the following hours restrictions:
|Monday-Friday||8 am - 5:30 pm|
The best way to ensure a smooth customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.
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Grange Insurance FAQ
What is Grange Insurance's average claim response time frame?
Grange Insurance states on their official website that customers will be contacted within eight business hours of filing a claim.
What is Grange Insurance's customer service availability?
Grange Insurance allows customers to file claims at any time online, over the phone, or through regular mail. Their contact options for customer service inquiries have restricted hours, Monday-Friday. Customers can pay their bills through the official website as well. The carrier also has a social media presence on Facebook, Twitter, and LinkedIn, which makes them even more accessible to customers.
What is Grange Insurance's claims process?
Grange Insurance allows its customers to file claims anytime through multiple mediums. The official website lists out their claims process in detail for every type of insurance they offer. Grange Insurance’s claims process for homeowners insurance customers is laid out on the website as follows:
“What to expect
You’ll get a call from us right away
We’ll give you a call within eight business hours of submitting your claim. At this time, your dedicated claim representative will ask you about the details of your loss and explain your policy coverage and the claims process, including options for obtaining an estimate for any damages.
Assessing your damage
Your claim representative will guide you through each step of the claim process and work with you to resolve your claim fairly and effortlessly.
If your personal property was damaged or stolen, the more information you can provide about each item, the better. We understand that trying to recreate a comprehensive inventory of your belongings can be especially overwhelming. Our goal is to make it as easy as possible for you! Your claim representative will review all of the options available to you for compiling your list, including our online Contents Inventory where you can easily document a description of each item along with its age, estimated replacement cost and other details. Be sure to set aside any proof of ownership materials, such as owner’s manuals and receipts as well.
If you have structural damage to your property, your claim representative may arrange an on-site appointment to review the damage with you and prepare an estimate.
If you need a contractor for repairs and don’t already have one in mind, we partner with Crawford Contractor Connection, a national network of contractors. Selecting a contractor from this network comes with a few extra perks and peace of mind. Crawford Contractor Connection ensures the contractors they refer are financially stable, licensed and insured. They monitor the performance of all the contractors in their network to ensure quality service, and they provide you with a three-year workmanship warranty for the completed repairs. Your claim representative will provide more details on leveraging a contractor from this network. Of course, you always have the option to select the contractor of your choice.
Estimate and payment
Your claim representative will prepare an itemized estimate of all covered damage using current pricing and will review the estimate with you.
Sign up for electronic claims payment
Our electronic claims payment service can save you time and hassle when you file a claim. You can receive your payment within hours via direct deposit. Contact your Grange claim representative for more information on electronic claims payment options and sign up today.”
To check on the status of their claim, customers can get in touch with their independent insurance agent, call the carrier, or log into their online account.
Does Grange Insurance create a user-friendly experience for customers?
Grange Insurance’s official website is excellent. The layout is polished and highly intuitive, and finding pertinent information is simple for both prospective and current customers alike. There are many modern services offered for customers online, such as bill pay, finding an agent, filing claims, and more. The insurance company also offers 24/7 claims reporting and has a strong social media presence. Overall, Grange Insurance’s user-friendliness experience is among the best of all carriers around today.
Does Grange Insurance have good auto insurance?
Grange Insurance was originally founded to offer auto insurance, though their catalogue has since greatly expanded. The insurance company offers the following coverages for auto insurance customers:
- Underinsured/uninsured motorist coverage
- Roadside assistance
- Full glass repair
- Rental car reimbursement
- Pet injury and mobile device
- Identity theft
- Original equipment manufacturer coverage
- Loan/lease gap coverage
- Personal umbrella coverage
- Boat, recreational vehicle, and motorcycle insurance
Your independent insurance agent can help you find out more about Grange Insurance’s auto insurance policies, as well as their many other products offered.
Is Grange Insurance a good insurance company?
Grange Insurance has many years of experience under its belt today, and its ratings reflect that. The carrier has been highly rated by both A.M. Best and the BBB. Further, customer reviews are mostly glowing for the carrier, which is certainly not the case for all insurance companies. High ratings, long-standing status on the market, and a wide variety of coverage offerings all together can arguably classify Grange Insurance as a good insurance company.
Grange Insurance Customer Reviews
|Better Business Bureau|
|“Grange made it so easy to get our roof replaced. Couldn’t have dreamed of a better experience!”|
|Better Business Bureau|
|“I've been a Grange customer for a long time, but until recently have never needed to file a claim. When I did file a claim for roof damage, the adjustor was quick to schedule an appointment to assess the roof and Grange was quick to approve the claim. The adjustor was great to work with and very informative of the process!”|
|Better Business Bureau|
|“My claims process was handled promptly. I was provided the information upfront and knew what to expect. Thank you!”|
|“Website is easy to navigate and they have timely response to communication. When I had a claim there were a lot of hoops to jump through to get repairs covered. I guess no more than other carriers I have had in the past.”|
|“So far loving it, but haven't needed to file a claim yet, so can't speak to that. The agent was good to deal with. They saved me 50% over what Farmers was charging me and I ended up with superior coverage. It was finally worth it for me to bundle my auto and home.”|
TrustedChoice.com's Final Review
We award Grange Insurance a final rating of 4.5 out of 5 stars. The insurance company has been around for about 85 years now, and their high ratings demonstrate that they’ve certainly used this time to perfect their craft. The carrier has high ratings through both A.M. Best and the BBB and has impressive financial strength. Grange Insurance also offers a wide variety of coverages for both individuals and businesses and works with independent insurance agents, which is a huge pro in our books. Though coverage is currently only offered in 13 states, in the areas in which their products are offered, it seems like customers are more than satisfied with their coverage. Glowing customer reviews can easily be spotted across the web, which is certainly noteworthy for an insurance company today. Topped off with a polished website that’s among the best around for modern insurance companies and 24/7 claims reporting with extremely fast customer service, we say don’t hesitate to work with your independent insurance agent to look into Grange Insurance as your next trusted carrier.
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