What Real Customers Say in Main Street America Insurance Reviews

When shopping for insurance it’s always wise to check out customer reviews to get a feel for what policyholders really think of a company. Main Street America insurance is a smaller regional insurer that operates in over 20 states. To help consumers make an informed choice I dug into Main Street America insurance reviews across the web. Here’s an overview of what current and past customers are saying.

Snapshot of Main Street America Insurance

First, a quick introduction to Main Street America Insurance Group. This carrier is based in Jacksonville, Florida and has been in business for over 100 years They sell policies through a network of independent agents Main Street America offers

• Auto insurance
• Homeowners insurance
• Condo insurance
• Renters insurance
• Umbrella insurance
• Business insurance

The company has an A- rating from A,M Best and is accredited with the Better Business Bureau (BBB) Now let’s look at feedback on Main Street America from across the web,

Feedback on Claims Handling

One of the most important factors for insurance customers is how well the company handles claims. Here’s what Main Street America policyholders report about the claims process:

• Most describe claims handling as smooth and hassle-free with responsive adjusters. Many say claims were paid quickly and fairly.

• A few customers did have slow settlement times or low-balled estimates. But most indicate claims issues were resolved after going through appeals.

• Several reviews mention using preferred repair shops to ensure quality repairs and avoid claim disputes.

• A handful report denied claims due to lack of receipts or unclear policy language. This underscores the need to document damage and understand coverage.

Thoughts on Customer Service

In addition to claims, shoppers want to know how an insurer’s customer service stacks up. Here are common themes from Main Street America reviews:

• Many customers describe the company’s service as excellent with agents and reps who are friendly, responsive and go the extra mile.

• Some do complain of long hold times when calling and having to contact multiple people to resolve an issue. A few report rude service at times.

• Most say it’s easy to get quotes and make policy changes. Main Street America offers decent online account management.

• Reviews are mixed on how handling cancellations. Some report quick, hassle-free closure while others faced fees or unresolved account issues.

Feedback on Policy Offerings

Reviews also provide insight into Main Street America’s offerings and pricing:

• The company earns praise for providing flexible coverage options including agreed value policies, custom home coverage and identity fraud expense.

• Many mention competitive rates and a range of discounts like multi-policy, safety feature and new home discounts.

• Some report significant rate hikes at renewal time, requiring shopping around for a better deal.

• A few customers had policies non-renewed due to claims, roof age or other eligibility factors.

Main Pros Reported by Customers

Digging further into Main Street America reviews, these seem to be the most commonly cited advantages of choosing this insurer:

• Smooth claims handling and prompt payments: Most reviews indicate claims are handled professionally and settled fairly for valid damage.

• Good customer service: Many customers describe agents and reps as knowledgeable, friendly and willing to go the extra mile when needed.

• Reasonable rates and discounts: Numerous policyholders report lower premiums and discounts that deliver savings.

• Flexible coverage options: Reviewers like the ability to customize home and auto policies as needed.

Top Complaints in Reviews

While Main Street America earns mostly positive feedback, these areas generate the most frequent complaints:

• Long claims delays: Some report unacceptably long waits to get claim payments, especially after storms.

• Rate hikes at renewal: Numerous customers complain of big rate increases year to year, forcing them to switch insurers.

• Coverage denied: A portion of reviews cite denied claims due to unclear policy language or damage below deductibles.

• Poor customer service: Though most reviews are positive, some have encountered long hold times, unresponsive reps and rude service.

• Cancellation issues: A few customers faced fees and problems closing out accounts with Main Street America.

What Reviews Suggest About Main Street America

Synthesizing all the reviews out there, Main Street America seems to provide decent insurance products at a competitive price for most customers. They earn praise for smooth claims and good service in many cases. However, some reviews suggest instability in pricing and service quality at times. Denied claims and poor experiences do happen with this insurer. Overall, Main Street America insurance gets mixed but mostly positive reviews, earning around 3 stars out of 5. Consumers are advised to shop around and compare policies to find the best fit and pricing for their situation.

Our Take – Who Is Main Street America Best For?

Based on customer feedback, Main Street America insurance may work best for these policyholders:

• Customers seeking agreed value policies: Main Street America offers stated value coverage for specialty cars, which some big insurers don’t.

• Homeowners needing custom coverages: Reviewers like the flexibility to add options not always available like identity fraud expense.

• Drivers with a good record: The company rewards accident-free drivers with lower rates in many cases.

• Applicants who value local agents: Main Street America sells through local agency partners, not direct.

Bottom Line – Check Reviews Before Choosing

At the end of the day, it’s smart to check independent Main Street America insurance reviews before buying a policy. Reviews provide an unfiltered look at pros and cons. While this regional insurer works well for many, there are instances of poor claims and customer service. Quoting with multiple carriers ensures you find the best rates and coverage.