Main Street Insurance Review (2026)
Main Street America provides insurance policies to 37 states across the country. The company offers over 20 auto insurance discounts, but it doesn’t offer homeowners insurance discounts. Another common discount that is not available with Main Street insurance is a military discount. If you prefer variety over savings, this insurance company is for you.
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Licensed Agent for 15 Years
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...
Rachael Brennan
Former Auto Insurance Claims Manager
Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.
Chris Harrigan
Updated November 2024
- Main Street America insurance policies are available in 37 states in the U.S.
- Main Street America offers more than 20 discounts to its auto insurance policyholders.
- Main Street America offers homeowners insurance, auto insurance, renters insurance, condo insurance, umbrella insurance, landlords insurance, and flood insurance coverage.
Main Street America is an insurance provider that many insurance seekers are curious about, but they have never taken the time to look into and see what it can offer. Main Street insurance options are in abundance. The company offers a list of auto insurance discounts and the company received high ratings and reviews. Is there anything Main Street America does not offer? Continue reading to learn if Main Street America insurance could be the best option for you.
Before discovering what options Main Street America insurance has available, make sure you compare rates. Enter your ZIP code to receive a free quote today.
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What insurance policies are available at Main Street America?
According to the Insurance Information Institute (III), there are 5,929 insurance companies in the United States. Due to all of the insurance coverage policies offered, Main Street America may be one of the most memorable insurance options on the market.
Auto Insurance Coverage
If you are in search of good car insurance companies, Main Street insurance has a wide variety of coverage options for your vehicle. Getting your vehicle insured can be expensive and the company offers several benefits to its auto policyholders such as:
- Body injury liability
- Collision coverage
- Comprehensive coverage
- Medical expense coverage
- Property damage liability
- Coverage for uninsured or underinsured motorists
In addition to a healthy selection of auto coverage, Main Street America insurance rates are known to be either affordable or competitive, to say the least. If you are looking for additional savings, there are more than 20 auto insurance discounts available. Those include:
- Accident-free discount
- Accident prevention course discount
- Anti-theft discount
- Driver training discount
- Electronic funds transfer (EFT) discount
- Good student discount
- Loyalty discount
- Mature operator discount
- Multi-policy discount
- Multi-vehicle discount
- New customer discount
- New vehicle discount
- Paid in full discount
- Student away from school discount
- Vehicle safety discount
- Violation-free discount
Condo Insurance Coverage
Condo insurance coverage, or HO6, is very similar to homeowners insurance and it offers many of the same products. However, one of the ways condo insurance may differ is condos typically have an association who is responsible for the maintenance of certain parts of the building, like to common areas. While the condo association generally covers shared areas of the complex and the outdoor environments, a homeowner would be responsible for all of these tasks on their own.
Flood Insurance Coverage
Main Street America offers flood insurance coverage. All homeowners policies do not typically cover flooding. But Main Street insurance has a policy especially dedicated to flooding incidents and it is backed by the National Flood Insurance Program.
Homeowners Insurance Coverage
Homeowners insurance, also known as HO3, is available at Main Street America insurance. Many of its benefits are similar to condo insurance coverage, except it can protect additional property, such as a shed or garage, and this insurance type will also reimburse you after a loss, so you can get your life back on track.
Landlords Insurance Coverage
While renters insurance will protect your belongings in a rental property, landlords insurance coverage protects the landlord’s property while you are renting it out. This gives landlords the confidence to rent out their investments with ease.
Renters Insurance Coverage
Renters insurance coverage is a form of home insurance, but since the property does not belong to you, this insurance policy extends the coverage to your belongings in your apartment, and more. This includes coverage for:
- Accidents where your animal or children are at fault
- Liability issues
- Personal property
- Medical payment coverage (for someone other than yourself)
Renters insurance coverage at Main Street America is just one of many home insurance options available to secure the safety of your living space.
Umbrella Insurance Coverage
Umbrella insurance offers extra liability coverage for policyholders that can help keep their most prized possessions safe. Umbrella insurance can cover you in the event that additional expenses for your home incur. Personal umbrella insurance from Main Street auto includes six coverage benefits:
- Accident coverage for a multitude of accident
- An accident that exceeds what is specified in your plan
- Attorney expenses
- Bodily injury from an accident where you were at fault
- Coverage against libel, slander, or defamation
- Even greater liability coverage
While this coverage does not extend to items you damaged on your own, it can cover expenses that have not already been covered, such as a case of slander.
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What Main Street America Is Missing
If you are a part of the military or the Armed Forces, you probably noticed that Main Street America insurance does not offer any discounts for members that have served our country. At first glance, another standard discount that you do not automatically notice at Main Street America is a defensive driving discount. However, this discount is offered by the company, but it is listed as an accident prevention course. These discounts require members to enroll in a defensive drivers course. The insurance company typically rewards them with a percentage of savings on their auto insurance policy in exchange for completion.
Although the company offers many different types of insurance options, the coverage included in these policies are the basics. There are many coverage options the average insurance provider may offer that are not available at Main Street America, such as comprehensive coverage, collision coverage, and rental car insurance.
Are Main Street America Auto Insurance policyholders satisfied?
Main Street America has earned a reputable online reputation. A.M. Best ranked the company an A for financial strength and its issuer credit ratings (ICR) received an A+ rating. In addition, the company received an A1 rating from Moody’s and an A rating from Standard & Poor’s (S&P).
Main Street America insurance reviews are a great way to determine how fulfilled its customers are with the service. According to Fox Business, one of the main reasons policyholders switch to a new insurance is due to poor service. Based on customer feedback, most customers are satisfied with the variety available. However, there were a handful of reviews addressing bad experiences with the Main Street America insurance customer service department. Overall, it is safe to say that Main Street America has more satisfied customers than unsatisfied ones.
How to File an Insurance Claim
Main Street America policyholders can file insurance claims via telephone or online. The company has forms available on the website for more than six different types of insurance claims. You can print and fill out the forms, then send them to the Main Street America insurance address, which is available on the company’s website. If you would prefer a more personal experience, you can always call the Main Street America insurance phone number to file a claim and an agent can assist you.
You can also use your Main Street America insurance login to make a payment online.
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About Main Street America
Main Street America, also known as Main Street America Group, was founded in 1923, and for more than 99 years, the company has been providing insurance policies at competitive rates. Main Street America offers homeowners insurance, auto insurance, renters insurance, condo insurance, umbrella insurance, landlords insurance, and flood insurance coverage in 37 states in the U.S. and counting.
An Overview of Main Street Insurance
Is Main Street America insurance right for you? If you are in search of an insurance company that offers a nice selection of insurance policies, this could be a good fit for you. However, all of the mixed reviews on the company can be misleading. There are some things that Main Street insurance gets right for the most part, then there is the lack of military discounts that could cause a potential policyholder who is part of the military, to take their services to a company that acknowledges them.
If special niche discounts are the best part of insurance policies in your opinion, you probably would not enjoy Main Street insurance. However, if you would like to enroll in more than one policy and you enjoy the variety, Main Street insurance could be a great option.
However, your options should not stop at Main Street insurance. Enter your ZIP code to compare rates today.
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