Grange home insurance review searches have grown steadily as more homeowners in the Midwest and Southeast discover this regional carrier. Grange Insurance was founded in 1935 in Columbus, Ohio. The company has served policyholders for over 90 years. It currently operates in 13 states across the central and eastern United States.
- Grange Insurance Overview and Financial Strength
- Grange Home Insurance Review: Coverage Options
- Grange Insurance Home Insurance Discounts
- Grange Insurance Home Insurance Cost
- Grange Insurance Claims Process and Customer Service
- Pros and Cons of Grange Insurance Home Insurance
- Who Is Grange Insurance Home Insurance Best For?
- Frequently Asked Questions
Grange sells its policies exclusively through independent agents. This gives customers a personalized buying experience. However, its limited availability means many homeowners cannot access its products. For those who can, Grange offers competitive rates that typically fall below the national average. This grange home insurance review examines everything you need to know before choosing this carrier.
Grange Insurance Overview and Financial Strength
Grange Insurance is headquartered in Columbus, Ohio. The company provides home, auto, life, and commercial insurance. It operates in 13 states: Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin. Grange works exclusively with independent insurance agents. This means you cannot buy a policy directly online.
Financial strength is critical when choosing a home insurer. AM Best reaffirmed Grange Insurance’s “A” (Excellent) rating with a stable outlook in 2025. This rating reflects strong balance sheet strength and adequate operating performance. The company has maintained an “A” or better AM Best rating since 1968. Grange also holds an A+ rating from the Better Business Bureau, where it has been accredited since 1970.
Any thorough grange home insurance review should examine complaint data. Grange’s NAIC complaint index sits near the industry baseline. As a smaller regional carrier, even a handful of complaints can shift its ratio. Grange is not ranked in JD Power’s homeowners insurance studies due to its regional size. However, customer reviews on third-party sites generally rate it between 4.0 and 4.25 out of 5.
| Rating Source | Score / Grade |
|---|---|
| AM Best Financial Strength | A (Excellent) |
| JD Power Homeowners Satisfaction | Not Ranked (regional carrier) |
| NAIC Complaint Index | Near baseline (1.00 = average) |
| BBB Rating | A+ |
Grange Home Insurance Review: Coverage Options
Grange offers standard homeowners insurance coverage that protects your home and belongings. Dwelling coverage pays to repair or rebuild your home after covered damage. Personal property coverage protects your furniture, electronics, and clothing. Liability coverage shields you if someone is injured on your property. Additional living expenses coverage pays for temporary housing if your home becomes uninhabitable. In most cases, these four coverages form the foundation of every Grange homeowners policy.
What sets this grange home insurance review apart is the optional coverages Grange provides. The company offers underground service line protection. This covers repair costs for buried pipes and wiring on your property. Grange also includes home cyber protection as an add-on. Equipment breakdown coverage handles failures of home systems like HVAC units. Sewer and drain backup coverage is available as well. For example, if a sewer line backs up into your basement, this add-on covers the cleanup costs.
Grange also offers an assisted living care endorsement. This unique coverage helps pay for assisted living expenses if you can no longer live independently. Few competitors offer this type of add-on. As a result, Grange stands out for homeowners who want comprehensive and forward-thinking protection. This grange home insurance review confirms that the company goes beyond basic coverage.
Grange Insurance Home Insurance Discounts
Grange Insurance offers several ways to lower your premium. The multi-policy discount rewards customers who bundle home and auto insurance together. Many homeowners who compare auto insurance rates at Car Cover Guide find that bundling with the same carrier saves significant money. Grange also offers an advance quote discount for requesting your quote before your current policy expires.
New homebuyers can save with a dedicated discount. Grange provides a home maintenance discount if you can show proof of inspections and permits. The company also offers a paid-in-full discount for paying your annual premium upfront. Smart home devices can reduce your rate too. Grange gives discounts for monitored fire alarms and burglar alarm systems. Typically, these security discounts range from 5% to 15% off your premium.
One standout feature in this grange home insurance review is the virtual inspection discount. Grange lets you use its mobile app to complete a virtual home inspection. This replaces the traditional in-person visit. Not many insurers offer this option. As a result, you save both time and money during the quoting process.
| Discount Type | Details |
|---|---|
| Multi-Policy Bundle | Combine home and auto for savings |
| New Homebuyer | Discount for recently purchased homes |
| Advance Quote | Request a quote before renewal date |
| Home Maintenance | Proof of inspections and permits |
| Paid-in-Full | Pay annual premium upfront |
| Smart Fire Alarm | Monitored fire detection system |
| Burglar Alarm | Monitored security system installed |
| Virtual Inspection | Use mobile app instead of in-person visit |
Grange Insurance Home Insurance Cost
Cost is a key factor in every grange home insurance review. Grange’s average annual homeowners premium is approximately $2,060 for a policy with $300,000 in dwelling coverage. The national average for similar coverage is around $2,304 per year. This means Grange typically costs about 10% less than the national average. However, your actual rate depends on several factors specific to your situation.
Location plays a major role in pricing. Homes in areas prone to severe weather or high crime may cost more to insure. Your home’s age, construction type, and roof condition also affect your premium. Grange considers your claims history and credit score as well. For example, a homeowner with no claims in the past five years will typically pay less than someone with recent claims. Your chosen deductible amount directly impacts your premium too.
Saving on insurance premiums frees up money for other financial goals. You could find bank sign-up bonuses at Bonus Bank Daily and put those savings to work. In most cases, Grange’s competitive pricing makes it an attractive choice for budget-conscious homeowners in its service area. This grange home insurance review found that the company consistently undercuts national averages.
Grange Insurance Claims Process and Customer Service
Filing a claim with Grange Insurance is straightforward. You can report a claim 24 hours a day, 7 days a week. The main claims phone number is 800-247-2643. You can also file through the Grange mobile app or your online account. For urgent claims outside business hours, the after-hours phone line is always available. Your independent agent can assist with the claims process as well.
Grange’s customer service team is available Monday through Friday during standard business hours. The general customer support number is 800-422-0550. For claim status updates, you can call 800-686-0025. Payment inquiries go to 800-425-1100. The Grange mobile app lets you access policy documents, make payments, and track claims from your phone.
This grange home insurance review notes that Grange is not ranked in JD Power’s property claims satisfaction study. However, the company earns strong reviews from customers on independent platforms. Bankrate awarded Grange a score of 4.2 out of 5. Trusted Choice rates the company at 4.25 out of 5 stars. These scores suggest that most customers are satisfied with their claims experience and overall service.
Pros and Cons of Grange Insurance Home Insurance
Pros:
- Rates typically 10% below the national average for similar coverage
- AM Best “A” (Excellent) rating maintained since 1968
- Unique add-ons like home cyber protection and assisted living care
- Virtual inspection discount through the mobile app saves time and money
- Independent agents provide personalized service and local expertise
Cons:
- Available in only 13 states, limiting access for most Americans
- Cannot purchase policies directly online — must use an independent agent
- Not ranked in JD Power studies, making satisfaction comparisons difficult
Who Is Grange Insurance Home Insurance Best For?
This grange home insurance review identifies several groups who benefit most from Grange. The company is best for homeowners in the Midwest and Southeast who value personalized service. If you prefer working with a local independent agent rather than buying online, Grange is an excellent fit. The company’s agent-only model means you always have a dedicated professional to call.
Grange is also ideal for homeowners who want to bundle policies. Combining home and auto insurance with Grange can produce significant savings. The multi-policy discount is one of the most impactful ways to reduce your overall insurance costs. Typically, bundling saves between 10% and 20% on your premiums.
Finally, this grange home insurance review recommends Grange for budget-conscious homeowners who do not want to sacrifice coverage quality. The company’s rates fall below the national average while still offering strong financial backing. Homeowners who want unique add-ons like cyber protection or assisted living coverage will also find Grange appealing. If you live in one of Grange’s 13 states and value both affordability and comprehensive protection, this carrier deserves serious consideration.
Frequently Asked Questions
Is Grange Insurance financially stable enough to pay claims?
Yes, Grange holds an AM Best “A” (Excellent) rating. The company has maintained this rating since 1968. As a result, policyholders can feel confident that Grange has the financial strength to pay claims reliably.
What states does Grange home insurance cover?
Grange operates in 13 states across the Midwest and Southeast. These include Ohio, Indiana, Illinois, Michigan, Minnesota, Iowa, Wisconsin, Pennsylvania, Kentucky, Tennessee, Virginia, Georgia, and South Carolina. However, availability may vary by county within each state.
How much does Grange home insurance cost compared to competitors?
Grange’s average annual premium is approximately $2,060 for $300,000 in dwelling coverage. This is roughly 10% below the national average of $2,304. In most cases, Grange offers competitive pricing for homeowners in its service area.
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Official Sources & Resources
For verified information on home insurance ratings and regulations:
- AM Best (Financial Strength Ratings): ambest.com
- NAIC (Complaint Ratios): naic.org
- Insurance Information Institute: iii.org
- FEMA (Flood Insurance): fema.gov
- J.D. Power (Customer Satisfaction): jdpower.com
Content last reviewed April 2026. If you notice any outdated information, please contact us.