Main Street America Insurance Company Review

Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.


Main Street America Insurance Company at a Glance

  • Founded in 1923
  • Offers a variety of insurance products
  • Offers personal and business coverage
  • Coverage available in select states
  • “A” (excellent) rating by A.M. Best
  • “A+” (excellent) rating by Better Business Bureau (BBB)
  • Strong financial stability
  • 24/7 claims reporting
  • Good customer feedback
  • Several discounts available

Main Street America Pros: Nearly a century of experience in the insurance industry. High ratings through A.M. Best and the BBB. Offers several coverage options for individuals and businesses, including commercial auto insurance, umbrella insurance, worker's comp insurance, and more. Offers 24/7 claims reporting via phone and online claims reporting. Several discounts available. Strong financial stability. Good customer feedback.

Main Street America Cons: Not a BBB accredited business. Claims process not broken down on website. Coverage not available nationwide.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Types of Insurance Does Main Street America Offer?

Main Street America offers a variety of coverage solutions for individuals and businesses. Their products include:

  • Business owners insurance
  • Commercial auto insurance
  • Contractors insurance
  • Worker's compensation insurance
  • Umbrella insurance
  • Flood insurance
  • Commercial agribusiness insurance
  • Auto insurance
  • Home insurance
  • Renters & condo insurance
  • Landlord insurance

An independent insurance agent can help you decide if Main Street America has the right type of coverage to best meet your needs.

What to Know about Main Street America

Main Street America Insurance was founded in 1923, giving the carrier just under a century of experience in the insurance industry. The insurance company offers a large catalog of coverage options for individuals and businesses, including umbrella insurance, auto insurance, commercial auto insurance, business owners insurance, and more. The company is headquartered in Jacksonville, FL.

Main Street America offers its coverage in select states. As of 2020, the carrier reportedly writes more than $1.1 billion in annual premiums. The company works exclusively with independent insurance agents to sell its coverage. Independent insurance agents provide a more personalized, comprehensive experience for customers both while shopping for coverage, and throughout the life of their policy. There are more than 750 Main Street America employees found on their LinkedIn network.

Thanks to its extensive history, amount of insurance in-force, and catalog of coverages offered for individuals and businesses, Main Street America has become known as a financially sound insurance company with a strong outlook for the future. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives Main Street America an “A” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from A.M. Best assure customers that Main Street America is capable of offering guaranteed, secure coverage from a trustworthy and reputable insurance 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 familiar with insurance companies’ reputations, A.M. Best’s rating system allows them to make an informed decision about who they can trust to meet their needs in the short term, and also to remain a strong, financially sound insurance company in the long term.

What Discounts Does Main Street America Offer?

Main Street America offers many competitive discounts on their coverages, including:

  • New vehicle discount: Offered to auto insurance customers who insure a new vehicle. 
  • Paid in full discount: Offered to customers who pay their entire annual premium up front in one lump sum. 
  • Multi-policy discount: Offered to customers who purchase more than one type of coverage through Main Street America. 
  • Electronic funds transfer payments discount: Offered to customers who opt to have their payments made automatically and electronically. 
  • Loyalty discount: Offered to customers who stay with Main Street America for a set number of years or more. 

An independent insurance agent can help you find more information about further discounts and additional ways to save with Main Street America, as well as provide you with quotes and help answer any other questions you may have.

Main Street America Customer Service

Main Street America allows their customers to file claims online or over the phone at any time. The carrier provides the following customer service options:

  • 24/7 phone claims reporting.
  • Online claims reporting.
  • Online bill pay.
  • Email contact option.
  • Snail mail contact option.
  • Customer service department has the following hour restrictions:

Hours (EST)

Monday-Friday 8 am - 4 pm

The best way to handle your customer service needs is to work with an independent insurance agent. These agents help make customer service easier for you by handling claims and other concerns.


Connect with a Main Street America Agent Today.

Shopping for insurance? Main Street America has you covered.

Main Street America FAQ

What is Main Street America's average claims response time frame?

Main Street America allows customers to file claims at any time through their website or over the phone. The carrier’s official website does not make a specific claims response time frame promise, other than stating customers will be contacted ASAP after filing.

What is Main Street America's customer service availability?

Main Street America’s phone line for customer service issues is available at restricted hours, Monday-Friday. The insurance company allows customers to file claims through multiple mediums at any time, including 24/7 over the phone. The carrier also has a social media presence on Facebook, Twitter, and LinkedIn, which makes them more accessible to customers.

What is Main Street America's claims process?

Main Street America allows customers to file claims through a few different mediums. The official website, however, does not break down a specific claims process beyond informing customers of how to file. If customers have questions about claims, they can reach out to their independent insurance agent, or contact the carrier directly.

Does Main Street America Insurance create a user-friendly experience for customers?

Main Street America’s website is highly intuitive and easy to navigate. Pertinent information is easily found, however the official website would benefit from adding more specific details about the carrier’s claims process. The insurance company offers several modern customer service options such as 24/7 phone claims reporting, online claims reporting, match-an-agent and request quote services, and more. Main Street America also has a strong presence on social media, overall making for a very user-friendly experience.

Does Main Street America have good business owners insurance?

Main Street America provides a good selection of coverages for individuals and businesses, including business owners insurance. The carrier’s business owners insurance policies are highly customizable, with the following coverage options:

  • Liability coverage
  • Buildings and business personal property coverage
  • Loss of income and extra expense coverage
  • Employment practices liability coverage
  • Equipment breakdown coverage
  • Identity theft coverage
  • Main line coverage extensions

Main Street America offers business owners insurance for businesses of many different kinds. Your independent insurance agent can help you find even more information about Main Street America’s business owners insurance, as well as their many other coverages.

Is Main Street America a good insurance company?

Main Street America has been around for nearly a century now. The insurance company is highly rated by A.M. Best and the BBB. The carrier also provides a large selection of coverage options for individuals and businesses. Main Street America offers a very user-friendly experience for its customers and has plenty of glowing reviews. Overall, Main Street America can indeed be considered a good insurance company.

Main Street America Customer Reviews

5 Stars
“I switched to Main Street America Group last year and was a little uncertain as I didn't know a ton about them, but was attracted to their favorable rates. My area was recently hit by a severe thunderstorm with large hail, enough to file a claim for both my auto and home, for which Main Street America Group insures both. I couldn't be more pleased with the company for both claims. Everyone I've interacted with has been extremely responsive to my questions and made the process a breeze compared with other companies I've dealt with in the past. I'm glad I made the switch and will definitely recommend them to others.”
5 Stars
“Easy to deal with. You can call them whenever you have a question or stop by the office. You can also pay online yearly, which a lot of companies don't do any longer. Love the convenience and how they handle problems like accidents. *This review was originally written for National Grange Mutual, but changed to Main Street America Insurance. NGM is an underwriter of Main Street America Insurance.”
5 Stars
“I love this company. Unfortunately down through the years I have had to file claims with them. They've been quick timely and more than fair. As well as easy to work with. *This review was originally written for National Grange Mutual, but changed to Main Street America Insurance. NGM is an underwriter of Main Street America Insurance.”
5 Stars
“I recently had reason to put in a small auto claim (a mail box jumped out of nowhere and left a 4' scratch and dent on my brand new car). I reported the accident to Main Street America. The reaction time and the ease of filing was impressive. Thank you for your service. Happy ending: the car was repaired beautifully by Charron Auto Body of Jaffrey, NH.”'s Final Review

We award Main Street America Insurance a final rating of 4.19 out of 5 stars. For starters, the carrier has been around in the industry for nearly a century now, giving them ample time to perfect their craft. The insurance company has high ratings through A.M. Best and the BBB and offers a large catalog of insurance products for individuals and businesses alike. Though coverage is only available in select states, Main Street America provides coverage for customers of all kinds in those areas. Main Street America offers 24/7 phone claims reporting and online claims reporting for its customers. The carrier offers other modern customer service features such as online bill pay, and requesting a quote or getting matched with an agent through the website as well. The insurance company’s user-friendly experience, combined with dependable coverage and positive customer feedback, all together gives them an excellent reputation. We also love that the carrier works exclusively with independent insurance agents, to further provide their customers with the best all-around experience possible. So, if you’re located in an area where coverage is available, we recommend looking into Main Street America with your independent insurance agent to be your next trusted carrier.

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