Grange Insurance home insurance review: A+ customer service
Grange Insurance relies on independent agents to sell its home insurance policies — you can’t get a quote online. But it makes up for it with its mobile app that makes it easy to manage your policy and file a claim.
By
Jessica OlivoJessica OlivoFreelance contributorJessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.After working in publishing and book publicity for many years, she transitioned to freelance writing full time.
Edited by
Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
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The bottom line
Grange Insurance is best suited for homeowners who prefer to work with a local agent to get a quote — you can't get a home insurance quote online. However, it makes up for it with its mobile app that makes managing your policy and filing claims a breeze.
While its rates aren’t the cheapest out there, they are lower than the national average. And it provides excellent customer service, receiving 65% fewer complaints than other insurers of its size in 2021 according to the National Association of Insurance Commissioners complaint index.
Received around 65% fewer complaints than other insurers of its size in 2021
Mobile app makes it easy to manage your policy and file claims
Cons
Only available in 13 states
No option for online quotes
Doesn’t offer flood insurance
Basic coverages offered
Grange Insurance home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:
Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.
Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.
Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.
Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.
Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.
Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.
Additional coverages offered
You can add these additional coverages to your Grange homeowners insurance policy for even more protection:
Extended replacement cost for your home: Extends your dwelling coverage limit up to 25% in the event rebuild costs exceed your policy limit after a covered loss.
Water backup: Covers for water backup damage caused by sump pump failure or sewer or drain backups.
Personal injury liability: Expands liability coverage to include personal injury to others, such as slander, libel, wrongful eviction, or false arrest.
Identity theft: Offers services to help restore your identity after fraud and provides resources to prevent having your identity stolen.
Personal cyber insurance: Protects your data and technology from cyber attacks.
Valuables, collectibles, and jewelry insurance: Covers high-value items at a price specified by an appraisal or receipt.
Assisted living care: Covers a family member’s belongings in an assisted living facility.
Personal umbrella insurance: Provides additional liability protection for expensive medical or legal bills you’re found legally responsible for in $1 million increments.
Renters insurance: Includes coverage for the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.
Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.
Ratings methodology
Price
3.7/5
Our price rating scale looks at home insurance rates for a policy with $300,000 in dwelling coverage, as well as the total number of discounts offered. Grange Insurance’s average annual rate of $1,705 is 10% below the national average.
Customer experience
4.9/5
Our customer experience scale uses data from the National Association of Insurance Commissioners (NAIC) complaint index. Grange Insurance has a score of at .34, which means it receives around 65% fewer complaints than expected for a company of its size. (The expected number would be 1.0.)
Coverage options
4.0/5
Our coverage options rating is based on both the number and quality of additional coverage and policy options offered by the company. Grange Insurance scores above average compared to other regional home insurance companies.
Financial strength
4.5/5
Our financial strength rating is a weighted combination of three industry-leading metrics to measure a company’s financial health: AM Best, Standard & Poor’s, and Moody’s. Grange Insurance has an A rating from AM Best, but is not rated by Standard & Poor’s or Moody’s.
How much does Grange Insurance home insurance cost?
The average cost of home insurance with Grange Insurance is $1,705 per year for a policy with $300,000 in dwelling coverage. This is a few dollars cheaper than the national average of $1,754 per year.
Here’s the average yearly cost of Grange Insurance home insurance for five different levels of dwelling coverage:
Dwelling coverage limit
Average annual cost
$100,000
$906
$200,000
$1,357
$300,000
$1,705
$400,000
$2,112
$500,000
$2,584
Rates are based on our analysis of 2022 sample home insurance quotes from across the country provided by Quadrant Information Services. Actual rates will vary based on location, policy limits, coverages, claims history, and other factors.
Compare home insurance quotes with top insurers in minutes
What discounts does Grange Insurance offer?
You can save on the cost of Grange home insurance if you qualify for any of these discounts:
Multi-policy: If you bundle your home and auto insurance with Grange.
Advance quote: If you get a quote in advance of your policy effective date.
Homebuyer: If you’re a new homeowner.
Paid in full: If you pay your home insurance premiums for the year up front, instead of monthly or quarterly.
Smart fire alarm: If you have a central station or direct fire alarm installed in your home.
Smart home burglar alarm: If you have a central station burglar alarm installed in your home.
DIY home inspection: You could qualify for savings if you use the home inspection feature on its mobile app.
Home maintenance discount: If you provide permits and inspection information.
Claim free: If you go so many years without filing a claim.
Prompt payer: If you pay your home insurance premiums on time each month.
Grange Insurance state availability
Grange Insurance offers home insurance policies in 13 states:
Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin.
What to expect with Grange home insurance
How to get a quote: You can get a Grange home insurance quote by contacting a local Grange agent through the search tool on its website.
Customer service options: You can get in touch with a Grange Insurance customer service rep by calling 800-422-0550, logging in to your online account, or through the mobile app.
How to file a claim: You can file a Grange home insurance claim through its mobile app, online, by sending a message through its website, or by calling 800-445-3030.
How to cancel your policy: You can cancel your Grange home insurance policy by calling your Grange Insurance agent (their contact info should be on your policy declarations page).
Grange Insurance vs. other home insurance companies
Compare Grange Insurance to other home insurance companies in the industry:
Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.
After working in publishing and book publicity for many years, she transitioned to freelance writing full time.
Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
